23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to express my continued frustration and disappointment regarding the ongoing failure to remove fraudulent items from my account, despite multiple attempts and escalating complaints. Despite my persistent efforts and cooperation, the fraudulent charges persist, causing significant financial and emotional distress. 

Conduct a thorough investigation into the origin and nature of the fraudulent charges. 
Promptly remove all unauthorized charges from my account and ensure the reversal of any associated fees or penalties. 
Provide a detailed account of the steps taken to address the fraudulent activity, including an explanation for the persistent delays in resolution. 
Implement stringent security measures to prevent similar incidents from occurring in the future. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX Balance Owed : {$270.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$270.00} XXXX XXXX XXXX Balance Owed : {$270.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$270.00} XXXX XX/XX/2023.
Product: Student loan

I have been unemployed and have been receiving harassing phone calls constantly ever since I could n't pay. I attempted to start a payment plan on what I could currently afford and was refused because they did n't consider it enough. I requested the phone calls to stop and they refused stating they could call and harass me XXXX times a day by law. I know I can request a stop in calls but they refused.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report where I discovered that ( TOWER LOAN ) reported what was notated as a ( LATE PAYMENT ) for a secure Loan account date opened ( XXXX  ) on my credit report. In pursuant to title 15 U.S.C. 1666b No creditor should treat a payment under an open-end consumer credit plan as a late payment. In pursuant to title 15 U.S.C. 1681b ( a ) ( 2 ) any information placed on my Consumer report should be based in accordance to my written instructions.
Product: Mortgage

SUNWEST MORTGAGE. Roof damages and my insurance carrier ( XXXX ) approved a full roof replacement. I had to inform mortgage Company Sunwest about this because the repair check was a 2 party check to me and mortgage company. After filling out all the paperwork, Sunwest informs me that they will keep up to {$150.00} of the contractors money so they can pay their own inspector to come make sure work is completed. I spoke to my loan officer and my insurance carrier and neither has ever heard of this practice. I look at all my loan docs when I signed with Sunwest, and no paperwork shows that if I have an insurance claim that Sunwest will basically take a deductible out for an inspection. Now, I am going to have to owe the contractor up to {$150.00} plus my deductible. Sunwest, stated they do this for the Safety of my family. They will not budge on this. I tried to even explain to them that we purchased a Permit through the county and they actually have an inspector come out and I could just forward them over the county info when completed. Sunwest said no and will still be withholding money from the repair check for their own inspector. 
I feel this is a shady practice and when looking for a mortgage carrier, would have never signed with them if I knew that I would be charged a fee if I have an insurance claim.
Product: Debt collection

Have received numerous calls but they are extremely rude and aggressive, and when asked said will not provide me with a written letter explaining the debt and hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with Equifax. 

They have failed to conduct a timely and proper investigation of disputed accounts and their investigation has exceeded 30 days. They have not responded to my dispute on XX/XX/2020 where I requested method of verification. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Mortgage

I am building a new home through a home builder XXXX. They offer financing but I wanted to shop around. I contact Quicken Loans to see what they can offer and the person I spoke with was very nice. After the app I was sent a intent to proceed that I had to sign and give my credit card info. I did not want to give my credit card number but was told that if I do n't I can not proceed. I was assured by the loan rep that it will not be charged unless I cancel and Quicken Loans has already done/ordered the appraisal. Well XXXX3 week later Quicken Loans changed the loan structure without discussing with me. They changed the down payment, monthly payment, and terms without discussing with me. I called and e-mailed but no response so I cancelled the loan with them. They immediately charged my card {$500.00} for fees incurred. When I asked why they said for appraisal fees and credit fees. This is a new construction loan and the home had not even broke ground yet. I have called over 6 times to request a refund since there is nothing in writing about the fees and each person I speak with there says I need to call someone else to discuss the issue. I sent over XXXX e-mails also with no response back from the loan rep. Quicken finally refunded XXXX of the XXXX but will not refund the remaining or give me a reason for the charge or copies if the doc that I signed that gives them authorization to charge me that.
Product: Debt collection

I had placed and order online with XXXX I used XXXX to pay to the purchasers I made. Now some items I received some items I returned and some items I did not receive period. I called XXXX went back and forth for about 8 months to get my refunds which until this day I 'm still being charged for by my credit card company after figuring out XXXX is stating they refunded me but not showing on statement I contacted my credit card company which is Barcalay 's filed disputes and it 's been a year and still I ca n't get them to take care of it and I 'm still being charged and I 'm still paying my monthly payments so wrong and unfair for stuff I did not even receive or returned and continue to have to pay..
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This was a corporate account and mistakenly reported on my profile. I believe there may be an error on the payment status, payment history, and the comment to verify this information, correct this if there are errors, or remove this ASAP.
Product: Mortgage

I divorced in XXXX. A home was settled in divorce through XXXX XXXX XXXX as my ex-husbands. He did not pay the debt. XXXX mortgage was XXXX, XXXX was Capital One. House was sold in Sheriff 's sale. In XXXX, I received a call from XXXX XXXX to " settle '' the debt which was previously Capital One 's, the XXXX mortgage. I " settled '' with XXXX XXXX for {$28000.00} on XXXX/XXXX/XXXX. Capital One has NEVER acknowledged that the debt was settled. It is my understanding based on my personal research, that it may have went to XXXX from Capital One then XXXX XXXX bought it from XXXX Capital One has continued to say I owe them the full amount yet they can not seem to provide any records or trail of what happened to the debt. I hired an attorney as Capital One decided to start putting it on my credit report in XXXX I think and would n't work with me towards resolution. 3 days after my attorney contacted Capital One, they sent a letter to me saying the account would be shown as " closed '' now. I thought this meant it was resolved yet now Capital One has sent me a XXXX for the full amount of {$44000.00}. I ca n't file my taxes now until this is resolved and they will NOT return my attorney 's call.
Product: Credit reporting, credit repair services, or other personal consumer reports

At the end of XX/XX/2017 I discovered that I had become a victim of identity theft and someone unknown to me had used my personal information to file a Bankruptcty I immediately contacted the credit bureaus and notified them of my findings and was instructed by them to file an FTC report which I did. I sent my disputes to the credit bureaus and XXXX and XXXX  removed the items immediately and Equifax stated that the items are under investigation and has done nothing. 30 days have passed and I sent my second request to Equifax and 30 days have passed again and Equifax has again done nothing which is why I decided to come here for help, please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are 8 inquires from capital one that I didn't consent to and they need to be removed from my credit file the dates for the inquires are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these need to be removed from my XXXX  credit report
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXXXXXX XXXX  filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding inaccurate credit reporting by XXXX XXXX XXXX. The company has reported incorrect and inconsistent information to all three major credit bureaus ( XXXX, XXXX, and TransUnion ), which has significantly impacted my credit score and financial standing. 

Specifically, the discrepancies include : Inaccurate Late Payments : XXXX XXXX XXXX has reported late payments on my account, although I have never been late in making a payment. 
Inconsistent Reporting Across Credit Bureaus : The information regarding my balance and payment status is not consistent across all three credit bureaus. For example, the balance reported by XXXX XXXX XXXX is different from what is listed on my actual statements, and payment statuses vary from XXXX bureau to another. 
Incorrect Balances : The reported balance on my account with XXXX XXXX XXXX is incorrect, which is also affecting my overall credit utilization. 
I have already attempted to resolve these issues directly with XXXX XXXX XXXX by [ briefly describe any attempts to resolve the issue, e.g., calling customer service, submitting disputes ], but the discrepancies have not been corrected. Despite these efforts, XXXX XXXX XXXX continues to report inaccurate information, which has led to a negative impact on my credit report. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and assist in ensuring that accurate information is reported to the credit bureaus. I also request that XXXX XXXX XXXX be held accountable for their failure to correct the inaccuracies in their reporting. 

Thank you for your time and assistance in resolving this matter. Please let me know if you require any further information or documentation to support my complaint.
Product: Mortgage

I was the victim of an identity theft. My bank, US Bank, suggested I shut down all of my accounts to protect myself, I had a forbearance due to tied up funds due to this. US Bank has completely messed up all my accounts. When setting up new accounts, they opened them without the proper info ( including the info of the perp ), in transferring my existing accounts to new numbers they put it down as a request for new credit on my report. Even though I did not have access to my online accounts or their numbers from XXXX to the end of XXXX and they did, they reported one of my cards as late. They have asked me to resolve the forbearance and have banks they service for calling me and saying I don't pay, even though I am. They continually call me to set up a solution, even though I have done it like 10 times via phone. I have tons of dates, names, etc. Its been the worst experience of my life. None of my other banks had these issues. They still have yet to take off inquiries from the perp, who now has a XXXX  for his XXXX.
Product: Consumer Loan

My girl friend and I, XXXX and XXXX years of age, went to a car dealer asking for a cheap reliable vehicle that we could afford. We explained that we only had a joint income of {$800.00} per mo. Just having a baby XXXX XXXX XXXX and no real credit, we were at their mercy. After a protracted period of time, they talked us into a new last year model car that would be a year old the minute it hit the street. We ended up with a 72 month contact at almost {$600.00} per mo. They suggest that if we would make at least one years worth of payments, we could rewrite the deal and drop the payment in half. We are now in default. There is no way we could handle such a payment and are now looking at bankruptcy. We really got taken to the cleaners. It should be noted that we are not able to drive the car in that we can not afford insurance and plates. Help!
Product: Debt collection

XX/XX/2022 sent company A Cease and Desist letter with a a Conditional Acceptance. please see attached documents for Affidavit of Oath. Company is now in Default of Notice. Company has violated the Fair Debt Collect Practices Act My right to privacy has been Breached. inaccurate information has been reported to a third party without my written consent. 

ATTCHED DOCUMENTS HAVE BEEN SENT CERTIFIED USPS as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have closed accounts on my report that are in violation of the law 15 usc 1681b and 15usc 1681a/ ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;..

And I want them remove asap 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies * U.S. Code * Notes ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informations Accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted the XXXX OF XXXX XXXX & they told me I've never missed a payment, yet Equifax refuse to fix the account from being listed late. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Equifax 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to correct this damaging negatives from my profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A Section2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have sent two letters to Experian regarding innaccurate information with my two forms of Identification. One letter on XX/XX/2020 and one letter on XX/XX/2020. They are in violation of the fair credit reporting act 611 ( a ). They are violating my rights because they are saying I'm not the one who sent the information just because I know the law.
Product: Credit reporting or other personal consumer reports

I received notice from Transunion, XXXX, and XXXX that XXXX XXXX had pulled a hard inquiry on my credit report. I called XXXX XXXX and spoke with XXXX. She confirmed that an application for a XXXX XXXX was in their system. They marked the application as fraud. XXXX committed to alerting the XXXX credit report bureaus. I contacted all XXXX  credit reporting agencies and had my accounts frozen.
Product: Credit reporting or other personal consumer reports

The Fair Debt Collection Practices Act ( FDCPA ) is a federal law in the United States that governs the behavior of debt collectors and protects consumers from abusive or unfair debt collection practices. Here are some key provisions of the FDCPA : 1. Communication : The FDCPA restricts the times and places debt collectors can contact consumers. They can not call before XXXX XXXX  or after XXXX XXXX unless the consumer agrees otherwise. They also can not contact consumers at their workplace if they are aware that the employer prohibits such communications. 

2. Harassment and Abuse : Debt collectors are prohibited from engaging in any conduct that is meant to harass, oppress, or abuse consumers. This includes using obscene or profane language, making threats of violence, or repeatedly calling with the intent to annoy.

3. False or Misleading Representations : Debt collectors can not use deceptive or misleading practices to collect a debt. They must accurately identify themselves, the debt they are attempting to collect, and provide information about the consumer 's rights.

4. Validation of Debts : Upon request, debt collectors must provide consumers with written verification of the debt, including the amount owed and the name of the original creditor.

5. Cease and Desist : Consumers have the right to request that debt collectors stop contacting them. Once a written request is received, the debt collector can only contact the consumer to confirm they will cease communication or to notify them of legal action being taken.

FDCPA applies only to third-party debt collectors.
Product: Checking or savings account

I received a letter form Bank of America stating I had opened up 2 new accounts with their organization. I have never done so. 

The letter came from : Bank of America Digital Account Opening XXXX XXXX XXXX XXXX XXXX AZ. XXXX Letter was Presorted First-Class mail paid for by XXXX XXXX
Product: Checking or savings account

XXXX of XXXX is not my bank I do not do any business there and they sent me this Email they were closing my account which I do not have
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Chase Bank closed my bank accounts, which were set up for auto-pay on my two Chase credit cards, resulting in a late payment ( s ) which are not reflecting on my credit report.

I reached out to Chase, and they acknowledged the issue, reversing both the late fee and the payment. As a loyal Chase customer since XXXX, Ive never missed a payment. 

However, the credit reporting department is refusing to remove the late payment from my accounts. I provided proof that customer service reversed the late payments, but the credit department still isnt reporting fairly, especially since the accounts are closed. If the late payments and fees have been reversed, there should be no late payment reported on my credit file.
Product: Debt collection

I am being contacted by Citizens Bank about a private student that was in my bankruptcy that was discharged in XX/XX/2018. When I called back to tell them it was in my bankruptcy the man argued with that private students loans can not be discharged in a bankruptcy, I asked him to stop calling my work number. I told him I would have my lawyer call them back, he told me I needed to give written consent for my lawyer to discuss this matter. I sent written consent but Citizens Bank told my lawyer they needed to have a power of attorney to discuss the matter with them. They have been calling me at my employment number every day even after I told them I can not take the calls, please stop calling my work number. And every action I take, sending written consent, etc they change what they require to have my lawyer tell them this was discharged in my bankruptcy and to stop contacting me about this. They are going to great lengths to avoid being told this is an invalid debt. Its getting ridoulous that this is continuing after they have been informed several times.
Product: Mortgage

COMPLAINT ID XXXX Thank you guys for comprehensive explanation, but you explain mathematically. 
The property tax is from XXXX to to XXXX next year.The city hall can not change while. 
You change the property tax on XXXX XXXXBut property tax did not went up on XXXX XXXX.Why did you increase the tax in the middle of the year.What hapened.? 
Second questuion.Can i pay for property tax and property insurance my self, without escrow account.Guys reminder you have transferred my mortgage three times no one.
Product: Bank account or service

I opened a 24 month CD on-line. On my XXXX statement I noticed a deduction of {$38.00} for " Backup Withholding ''. I called the customer service number and after being on hold for XXXX minutes I was told that " backup withholding '' was deducted from an account when the social security number was n't available. They verified that mine was available, had always been available and that it was an error. They gave me a case # ( XXXX ) and said I would be contacted in XXXX hours. That was 10 days ago. I received an email telling me there was a message for me in the customer message center. The customer message center has n't worked in over a week. No one on the phone cal tell me what the message is or the status of my problem. No email, no live chat, a message center that does n't work and a calling center that just does n't care adds up to horrible customer service.
Product: Vehicle loan or lease

I paid the remaining debt owed to Bridgecrest on XX/XX/2019. One month later I reviewed my credit score which displayed an open account that was previously closed once the final payment was received and verified by Bridgecrest. My credit has decreased dramatically due to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, FL XXXX XX/XX/XXXX To XXXX XXXX XXXX : XXXX XXXX This letter is to notify the management named as XXXX XXXX that your company placed and unauthorized inquiry on my credit report on XX/XX/XXXX. 

I demand under FCRA : Section 604 : 1. Permissible Purpose 2. My written authorization 3. Proof that I personally initiated this inquiry.

Either provide me strict proof or DELETE the item immediately. If you do not delete the inquiry in 15 days I will take legal action.

Under 15 USC Section 623 you have 30 days to do a reasonable inquiry into this matter.

If you ignore this letter and do not delete the inquiry or dont provide STRICT proof of authorization I will have no other choice but to have my local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny of this matter. 

Your cooperation in advance is appreciated. 

Sincerely, XXXX XXXX U.S. Postal Certified Mail Number : XXXX XXXX XXXX XXXX XXXX