23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality, under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In late XXXX of XXXX, my wife and I decided to purchase our first home together. After careful consideration, we decided to build our dream home and use my VA loan for the first time ( 11 year and XXXX XXXX veteran ). We decided to use AmeriPro as our mortgage lender after being referred from a friend and seeing a positive record of being Veteran friendly. In XXXX XXXX, AmeriPro gave us a conditional approval and the builder decided to build our dream home. During the next few months, I personally worked hard to make sure we hit every single condition. Over those months, we were occasionally assured by AmeriPro that everything was on track to close on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, AmeriPro contacted us and stated my wife had to be on the job for six months before we could close ... Although this was very frustrating in the last minute notification, we understood the oversight and decided to wait out the remaining month until she hit her six month mark at her current employer ( XXXX XXXX, XXXX was the six month mark ). We contacted our rental agency and placed our 30 day notice, being assured there was no reason why we should n't be able to close in XXXX. We were told now that XXXX XXXX would be our closing and nothing should prevent us from closing on that date. Ten days before closing ( XXXX XXXX ) we were confirmed to still close on XXXX XXXX, XXXX. A week before closing, the bottom fell out from underneath us, AmeriPro called and said there was no way to close on the XXXX of XXXX, XXXX because the VA required my wife to be on the job for a year. We pleaded that this was NEVER part of the conditions list and that we were now at risk of losing everything ... our {$10000.00} deposit, our current home ( rental ), the rental deposit, additional moving expenses and .... our dream home. AmeriPro apologized, but said there was nothing they could do and it was an oversight on their part. The piece that made this so frustrating is AmeriPro did n't care that a US Veteran was going to be homeless with his family and took ZERO accountability for their mistake or lack of professionalism and communication. On XXXX XXXX, my family and I were forced to move in with relatives, rush to get our furniture placed into storage and take on additional expenses. The lack of accountability and communication from AmeriPro is totally unacceptable. At a minimum, AmeriPro should have offered to come up with another solution, pay for the additional moving expenses and temporary housing ( at least 2-3 months ). I would hate to see anyone go through something like this as I 'm sure the mortgage industry is not set up to see people frustrated and homeless.
Product: Credit card or prepaid card

On XXXX XXXX i received an email from Capital one inviting me to apply for a credit card XXXX, XXXX for using XXXX from Capital One. We invite you to apply for our Quicksilver card from Capital One. Once approved, youll enjoy A 0 % intro APR for 15 months on purchases and balance transfers, with a 15.24 % 25.24 % variable APR after that. There is a 3 % fee for amounts transferred within the first 15 months Unlimited 1.5 % cash back on every purchase, every day A {$200.00} one-time cash bonus when you spend {$500.00} on purchases within 3 months of account opening* No annual fee No foreign transaction fees This offer expires XX/XX/2022. Click to Get Details See Application Terms Having trouble viewing your application? Visit our website and use your personal codes to get started. Reservation Number : XXXX Your Access Code : XXXX I was denied on the same day XXXX XXXX XXXX unfortunately we were unable to approve your application at this time. We know youre disappointed. To help you understand why, weve explained the reason for this decision in a letter or email that youll receive within 10 days. 

I received a letter which totally contain the wrong information I believe the reason for denial is " I am a green card holder and not a citizen '' I contacted the company and they told me that there is nothing they can do. ( Letter attached )
Product: Credit reporting or other personal consumer reports

I have sent in plenty of letters asking for such inquiries to be removed from my credit and rather than reviewing my letters and pushing through my requests, said company has decided to stall my on this matter. Often times not giving a response.
Product: Mortgage

Over the last 12 months I have made my payments on Select Portfolio Servicing 's website without any problems. 
I tried making my payment on XX/XX/XXXX and I got the following message One or more errors were found " Your request to process a payment can not be completed at this time. The account is ineligible for online payments. Please contact Customer Service at XXXX for additional information. '' I contacted Customer Service and the agent informed me that my account was on a short sale program. We have not requested any workout or short sale program and was totally taken aback by her statement. The agent proceeded to inform me that as a result of the short sale set up I could not make a payment on the account. This change of status of our account was not requested and is inaccurate. The agent said on XX/XX/XXXX that she would cancel the program and I would have access to make a payment on XX/XX/XXXX. I called back and the account is still blocked and the agent said they ca n't even process a payment for me either and I will be assessed a late fee. SPS servicing practices are extremely unfair and deceptive because I get different answers every time I call about an issue. Case in point, we had requested a partial lien release to facilitate a road expansion project by XXXX County which took seven months to resolve and took the escalation to the Ombudsman department to get an answer or a call back. Please assist to resolve this error and mistreatment by SPS.  We had the same horrible experience when we tried to modify the account about five years ago.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, IL, XXXX Employer - XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX Incorrect Name : - XXXX XXXX Incorrect DOB : - XXXX Listed below are the Collections that are being challenged XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPBXXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a late payment on my TransUnion credit report from a company called XXXX I has tested positive for XXXX  and called ahead a time to let them know I would be late XXXX agreed to remove late payment I also have a email from XXXX saying yes they sent in the fix letter but TransUnion even with the proof well not fix my credit report and take off the late payment
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than XXXX. This is done XXXX XXXX XXXX XXXX. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave XXXX  written consent to report anything on my consumer reports no consent is fraud.
Product: Checking or savings account

On XX/XX/2023, I advised Ally Bank that my mother passed away and I was appointed Executor of her Estate. I attached the Death Certificate and Letter of Testamentary through Secure Messaging showing that I am appointed Executor of my mom 's estate. 

I received a message that the documents were received and would be reviewed in 2-3 business days. In 7-10 business days after the review, they would mail me a " XXXX XXXX '' with instructions on what to do to get the account closed and transferred to me. 

I called Ally Bank when I did not receive anything by XX/XX/2023. The representative told me it was mailed out and give it a few more days. I called again on XX/XX/2023 and the Ally Bank representative told me they were still reviewing it and give it a few more days. So the previous representative lied when he said the documents were mailed out. I called again after not receiving anything and the XXXX told me they were going to XXXX the documents to me for next day delivery and even gave me a reference number. When I called back 2 days later after not receiving the XXXX documents, I was advised that the " Back Office '' is still doing a review. 

Ive called several times since then. My last phone call was on XX/XX/2023. The XXXX told me " it shouldn't take that long '' and checked with the " Back Office '' again. Again, they stated they're still doing their review. I even had one representative go so far as to tell me " we have a lot of other customers we work with.

I left a message to have someone call me from Ally Bank to tell me why I havent received the Beneficiary Packet. No one has called or responded to my message.

What I want is for my Mom 's account to be closed right away and the account transferred to me as Executor of her estate. I am really frustrated with Ally Bank blowing me off like they have been doing. I need this resolved right away.
Product: Money transfer, virtual currency, or money service

I opened an account with XXXX XXXX and It wont let me link my bank account to start trading. It is telling me PNC bank made some kind of change that wont allow this
Product: Credit reporting or other personal consumer reports

updated my credit report and nd there was some unauthorized and inaccurate information on my credit report. did not give anyone my handwritten consent to furnish anything on my credit report. please investigate and remove these inaccurate items off my report. 

Hard Inquiry XXXX XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXl # XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX, Account name : 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Report # XXXX Date XX/XX/18 Address Issues Experian keeps adding XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Address identification Number XXXX is wrong I have provide time after time proof of the right address. 
Address Identification Number XXXX is wrong as well Experian added another same address to my credit report XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX on Report # XXXX The report # XXXX Date XX/XX/18 does not have 3 address for XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Experian keeps adding or delete on thing and then add it on another report. Time after time.
Product: Credit reporting or other personal consumer reports

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identify transactions. The identify transactions or not information related to any transactions by me as the consumer. 
You are required to do what Im asking and block these transactions for being reported to my consumer report within four days from the date of receipt of this notice I look forward to your response thank you see attached
Product: Credit reporting or other personal consumer reports

Equifax claims that I'm suppose to be specific. I asked them why they lowered my credit score, and they won't tell me why they did. Nothing of any significance has change on my credit report for the last twenty years.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX there were several accounts opened in my name and I contacted all five of the creditors. Three of them closed the accounts immediately and removed them from the tri merge credit report. 2 of them both XXXX XXXX refused and they still show charged off accounts I did not open. On XX/XX/XXXX I was falsely XXXX on XXXX XXXX charge which was dismissed in XXXX. However, I was under the order of the court not to go back to my home until the case was settled. From XX/XX/XXXX to XX/XX/XXXX I was living in XXXX, AL and various hotels throughout my of Florida and Mississippi. In XXXX of XXXX an account was opened with XXXX XXXX in my name. I was not allowed to go to my home but an account was opened in my name. I have all the court documentation. This year on XX/XX/XXXX an account was opened in my name with XXXX XXXX XXXX which I had no idea of until XXXX of this year. This account was paid by someone 3 times and then went delinquent. 

I disputed all of these accounts with Transunion and but a consumer statement on my account in XXXX to contact me before extending credit and only one car loan company has followed my request. Now my credit score is drastically lower than the 670 in the summer when this card was opened. That is not right or fair. The creditors were notified that these are not my accounts but continue to list them on my report. Please Help!
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Debt collection

XXXX XXXX hired XXXX XXXX at Lien Enforcement Department Global Solution Biz LLC . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Georgia XXXX to come by my home and take my personal items. XXXX confirmed over the phone the debt owed is about {$7000.00}. I am positive after all illegal fees are removed I owe alot less. They are saying I signed a contract allowing them to seize my personal items. There is no lien filed in the state of georgia. 

This has to be illegal.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify is accurate : XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account ending in XXXX that does not belong to me and have provided my police report as well
Product: Checking or savings account

I used the online system to make a deposit on XX/XX/XXXX. I noticed the funds were getting low, I have money with another financial institution because I've had issues with this bank before. When the deposit was made my account was NOT in the negative. The bank decided to hold the check, they advised it was because of my history with the bank. ( I have had this bank account since I was XXXX, 31 years of being a customer ) On the 7th I called the 800 # as soon as I saw they had not deposited the funds. They advised nothing they could do. I spoke to a branch manager and was advised she would look into it. This took the intire day, she verified funds on the XXXX, 2 days after the deposit, then released the funds. Once released the bank then charged 3 {$36.00} overdraft fees. I asked them to remove as they should not have been charged and they refused saying it wasn't a bank error. I advised that the account wouldn't have been negative if they would not have wrongfully held the check. Still would not waive them. This bank has charged me hundreds of dollars in fees over this past year all while trying to get me to sign up for overdraft protection. I am tired of being taken advantage of because I live paycheck to paycheck. This bank should not be allowed to withhold funds. I would understand if it was a large check, it was not it was {$500.00}. Please stop this bank from ripping people off!!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a fraudulent account that has been reported under my name with Capital One Auto Finance. This account is neither authorized by me nor opened with my knowledge. Furthermore, despite my repeated requests, you have failed to provide the original documentation proving that I opened or authorized this account. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request and receive verification of any accounts reported in my name. Your inability or unwillingness to provide this evidence raises serious concerns about the legitimacy of this account. 
To resolve this matter, I request the following : 1. Immediate removal of this account from my credit report. 
XXXX. A detailed investigation into the origin of this fraudulent account. 
XXXX. Copies of all original documentation, including signed agreements and applications, associated with the account. 

Please note that failure to respond adequately to this dispute may result in my filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and state attorney generals office. I also reserve the right to pursue legal action to protect my credit and financial standing. 

I have enclosed copies of [ any supporting documents, such as your ID, police report, or prior correspondence ] to assist in your investigation. This letter serves as formal notice of my dispute, and I expect your response within 30 days, as required by law.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a 3 bureau credit report with Fico scores for {$1.00} ( a very good deal ) after being referred to their site by a financial company. The company said you could cancel the membership after ordering the report within 7 days and there would be no further charges. I ordered the report which was fine. I then tried to cancel the monthly service. with a fee of {$29.00} per month. In calling I found the company is owned by Experian.

Every time I called to cancel after going through a long process of identity with the claimed purpose of protecting you, I was told the wait time to cancel is 2 hours. You can not cancel online. This is a total scam with the sole purpose of collecting a fee by making it extremely hard to cancel.