23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This complaint is a continuation of my original complaint ID # XXXX submitted on XX/XX/XXXX. First of all ; my mortgage held by Bank of America isn't an actual mortgage it was originally an equity out interest only line of credit that matured after 10 years into a fully amortized first mortgage. I had already paid off my first mortgage with XXXX. In early XX/XX/XXXX Bank of America demanded Wind Storm insurance coverage in the amount of {$730000.00} that was approximately {$470000.00} over the amount owed on my mortage. They took my additional Fire and Casuality insurance coverage amount of {$730000.00} provided by XXXX XXXX. I ensured my home for the {$730000.00} amount last year because the price of building materials were moving up in XXXX and the cost of Fire and Casuality insurance was very cheap. When BofA wanted the {$730000.00} in coverage it was over the maximum allowable amount that XXXX 's would insure. Since XXXX XXXX XXXX was the only insurance company that would write a wind storm policy in XXXX Florida I had no choice but to reapply with XXXX at a lower insurable value. As a result, it consisted of furnishing a 4 Point Inspection, Wind Mitigation Report on my home and a 30 day grace period before the insurance went into effect. This is the reason for the lapse in my insurance coverage. My new Wind Storm policy coverage with XXXX is for {$580000.00} or the most recent replacment cost of my home. BofA insisting on {$730000.00} in coverage is the reason for my lapse in coverage which allowed BofA to gouge me of the unbelievable amount of {$9700.00} for Wind Storm coverage from XX/XX/XXXX through XX/XX/XXXX. Considering my nearly 25 years of being a BofA customer one would think that they could mitigate the {$9700.00} lower or eliminate it all together. After all, my Fire & Casuality insurance with XXXX XXXX never lapsed and their wasn't any mentiuon of requiring Wind Storm insurance in my original loan documents. I argued the fact that Wind Storm was never mentioned in my loan documents with BofA 's XXXX XXXX and she said it was under " Extended Coverage ''. I found no mention of " Extended Coverage '' in any of my loan documents.
Product: Mortgage

My mortgage was sold to Provident Funding in XX/XX/2023. I set up autopay with my them on XX/XX/XXXX or XXXX. Apparently I entered the bank account number incorrectly. I was unaware of this at the time. They sent me an email saying they had processed the payment on XX/XX/XXXX. I checked with my bank and didn't see the transaction. I checked on XXXX XXXX, and XXXX and did not see the transaction. On the morning of XX/XX/XXXX i received an email stating that the transaction failed due to an incorrect bank account number and that i'd be charged {$25.00}. I called them to find out what was going on. I updated my information to have the correct account number and submitted a one-time payment for my mortgage for the month of XXXX and updated the information for future automatic payments each month. I asked that the {$25.00} fee be waived and this was rejected. I've had similar things happen at other banks and financial companies and waiving a fee like this has never been a big deal. They refused. I find it frustrating that I can not choose who I pay my mortgage to.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX  group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Debt collection

I contacted paramount recovery systems, a debt collection company on XX/XX/XXXX. I informed them that the information they were reporting on my credit report was incorrect and to place my account in dispute status immediately. I have since obtained a letter from the original creditor that reflect the account has a XXXX balance. My insurance company had paid on the accounts in XXXX. Therefore, the collection accounts have been placed on my credit report in error and should be removed immediately. It has caused me harm because I have tried to obtain credit and was denied due to these accounts showing on my credit report. It has been over 45 days since I initiated the dispute and the negative account is currently reflecting on my credit profile as an unpaid debt.
Product: Credit card or prepaid card

On XX/XX/2021 bank of America withdrew from my checking account the amount of {$10000.00} instead of the amount of {$170.00} thru electronically payment. 
On XXXX after I notice the error ( my checking account was minus ) I call BOA and made aware of the error. 
They acknowledged it and was told they will return the monies back to account within 5-6 days. After 10 days I called because they had not done so, and was told that had not done the return because of bank regulations, today I called again and again I got the roundabout and this time I was told that I'll my money within 5-6 more days, ( already they have my money 14 days and the possibility of not getting it back even now ) is very possible. In the mean time it cost me over {$200.00} in return and late fees for checks that already had gone out!
Product: Credit reporting, credit repair services, or other personal consumer reports

In early XXXX of XXXX to current, I sent individual FCRA Section 604 letters out to dispute and request written evidence of specific Unauthorized FRAUDULENT/iNACCURATE Accounts and Unauthorized FRAUDULENT Inquiries on the Credit report to EXPERIAN. I notice several companies that I do Not recognize nor authorized consenting to.The letter detailed the specific Unauthorized FRAUDULENT Inquiries and Unauthorized FRAUDULENT Accounts in question and was sent certified mail/return receipt, copies are attached and so are the credit bureau XXXX EXPERIAN. Below are the detailed Unauthorized FRAUDULENT/INACCURATE Accounts and Unauthorized FRAUDULENT Inquiries I asked to have investigated in early XXXX of XXXX to Current days date. Unauthorized FRAUDULENT Account 1. XXXX  XXXX 2. XXXX XXXX  XXXX 3. XXXX XXXX XXXX XXXX Unauthorized INQUIRE 1. XXXX XXXX XXXX XXXX XX/XX/XXXX Please verify these credit inquires that pulled/ viewed my credit without my permission. Within 5 business days in compliance with FCRA. XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.
Product: Checking or savings account

I was a victim of theft on XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My cell phone, credit cards, debit cards, driver 's license were all stolen. I filed a police report with the XXXX XXXX Police Department and immediately contacted all of my banks and credit card companies. 

After reporting this to Bank of America, for 3 to 4 days they still allowed unauthorized users to get into my online checking account and transfer money out. 

I explicitly asked Bank of America to remove my mobile number from my account as the unauthorized party was using the SMS text message authentication to continue to login to my account over and over. Bank of America assured me the phone number was removed off the account and they had locked the online banking. The unauthorized party was still able to login to my account. 

The following debits on my checking account have had their fraud claims denied by Bank of America : 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 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 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inquiry on Credit Report Dear CFPB, I am writing to dispute an inquiry that appears on my credit report. The inquiry in question is from [ Company Name ] and was made on [ Date ]. I believe this inquiry is incorrect and should be removed from my report. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that this inquiry be investigated and corrected as soon as possible. I have attached a copy of my credit report with the inquiry circled and supporting documents that show why this inquiry is incorrect. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Details of the Complaint : I am filing this complaint because Equifax is reporting two charge-off accounts with balances that should no longer be reported due to the issuance of 1099-C Cancellation of Debt forms. The reporting of these balances is inaccurate, misleading, and in violation of the Fair Credit Reporting Act ( FCRA ).

Details of the Accounts in Question : XXXX. XXXX XXXX Account : Balance Reported : {$18.00} Status : Charge-Off Issue : A XXXX was issued for this account, which means the debt was canceled and is no longer collectible. The account should either reflect a {$0.00} balance or be removed entirely. 
XXXX. XXXX XXXX Account : Balance Reported : {$1500.00} Status : Charge-Off Issue : A 1099-C was issued for this account as well. The debt is forgiven and should no longer appear on my credit report with a balance. 

Violation of FCRA : Under the Fair Credit Reporting Act, credit reporting agencies are required to ensure accurate reporting. Once a 1099-C is issued, the debt is considered canceled, and the continued reporting of these balances is misleading and negatively affects my credit profile. 

Steps I Have Taken : XXXX. Disputed with Equifax : I have contacted Equifax to dispute the inaccuracies and requested that the accounts be updated or removed. No action has been taken to correct this issue. 
XXXX. Provided Documentation : I have provided evidence of the 1099-C forms to demonstrate that the debts were canceled. 

Resolution Requested : I request the CFPBs assistance to ensure : 1. Immediate Removal of Both Accounts : Since the debts were canceled and reported to the IRS via 1099-C forms, the accounts should no longer appear on my credit report.

2. Verification by Equifax : Equifax must verify the issuance of the 1099-C forms with the original creditors and update my credit report accordingly. 

Impact on Me : The inaccurate reporting of these accounts with balances is negatively affecting my credit score, limiting my ability to access financial opportunities, and creating unnecessary stress. I need this matter resolved promptly to reflect accurate and fair reporting. 

Attachments : I am attaching the following supporting documents : Screenshots of my credit report showing the inaccurate balances. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX
Product: Debt collection

I have received numbers calls on my cell phone asking to speak with XXXX XXXX. I advised the representative they had the wrong number and that I have had my cell number for 10 years. 

After that I mysteriously, received a collection notice at my home address in this persons name. Originally I was told the service address was totally different from mine- it had to be because I have never had an account with XXXX. 

I called them again to advise they had the wrong person. After that the calls continued and the collection notices now appear in my name. They are threatening to damage my credit if I don't pay the balance due. I am scared and afraid .... I have stellar credit and I don't want to be scammed. I have contacted the Attorney General and the FTC. 


Reference Number XXXX Creditor Name XXXX XXXX Creditor Account Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ( and likely the other credit agencies ) mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim of this huge breach of consumer data according to their equifaxsecurity2017.com website, and would like a resolution.
Product: Checking or savings account

In my prior complaint number XXXX was compounded by fraudulently calls from a collection department where TD BANK FRAUD REP RECOMMENDED I see the bank manager XXXX and bring in my XXXX acct info to show that account wasnt fraudulent activity on my part. XXXX was in training net with her jr manager and complaint of fraud XXXX XXXX XXXX XXXX  back and BRANCH KEY CARDS REVERSING FRAUDS CREDIT and then BACKDATING their general ledger to read as ALL PRIVISIONAL CREDITS HAD NE IN A NEGATIVE FIGURE SO THEY COULD HIT ME WITH OVER {$800.00} in overdraft fees when account was closed when account was at {$2.00} in the positive
Product: Checking or savings account

**Subject : Formal Response to CFPB Complaint Demand for Immediate Action** To Whom It May Concern, I am writing in response to your letter dated XX/XX/year>, regarding my Consumer Financial Protection Bureau ( CFPB ) complaint. Your response is both inadequate and unacceptable. It is your legal obligation under the **Fair Credit Reporting Act ( FCRA ) ** to conduct a fair and thorough reinvestigation of disputed information, yet you are attempting to shift the burden onto me without even acknowledging the details I have already provided. To be clear : I **demand an immediate and comprehensive reinvestigation** of the disputed record ( s ) as required by **15 U.S.C. 1681i ( a ) ** of the FCRA. The failure to conduct such an investigation within the legally mandated timeframe will be considered a violation of federal law. Here is what I require from Early Warning **without delay** : 1. A detailed and itemized explanation of the specific record ( s ) that you claim are in dispute. Your letter fails to provide any clarity, which suggests an attempt to evade accountability. 2. Proof that the financial institution reporting this information has verified its accuracy and validity. Under the FCRA, it is your responsibility to **independently verify** disputed records, not simply rely on unverifiable or outdated data. 3. Immediate removal of any inaccurate, unverified, or outdated information. If the reporting financial institution can not provide **documentary proof**, the law requires that the disputed record ( s ) be deleted **immediately**. 4. A formal response confirming that your agency is complying with all FCRA regulations, including my right to seek damages for any failure to investigate this dispute in good faith. Furthermore, should you fail to comply with your obligations under the FCRA, I am prepared to escalate this matter **immediately** through the CFPB, the Federal Trade Commission ( FTC ), and, if necessary, through legal action. I will not tolerate any attempt to obstruct or delay my right to accurate consumer reporting. You have **30 days** from the date of this letter to complete your reinvestigation and provide a written response detailing the resolution of this dispute. If I do not receive an appropriate resolution within this period, I will pursue all legal remedies available to me under federal law. I expect an immediate acknowledgment of this dispute, along with confirmation that my request is being processed. If you fail to comply, you will leave me no choice but to take further action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied a payday loan from XXXX XXXX. I made most of my payments on time then fell behind because a restructuring at my current job. It was turned over to collections and I paid it immediately. The problem is that I am in desperate need of a vehicle and this is hindering my TransUnion Credit Score because it shows collections. All banks and dealerships use TransUnion Bureau. I contacted XXXX XXXX and they lady said we cant do anything about it. The balance states paid but its still on my credit report. I have disputed it with TransUnion cause it initially showed no credit history. This was inaccurate reporting and wanted it removed. They then added the credit history and left it on my credit report. However, it still remains on credit report and is unfair to me as a consumer. I have asked for the signed contract that this payday loan was to be reported to the credit bureaus with no success. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not my accounts or inquires
Product: Debt collection

WESTERN SHAMROCK XX/XX/XXXX {$2800.00} XX/XX/XXXX WAS DELETED AND APPLIED BACK ON MY CREDIT FILE AS A " NEW DEBT '' XX/XX/XXXX FOLLOWING FTC REPORT OF IDENTITY THEFT. ( WHICH IS AGAINST THE LAW )
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DIPSUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LIKE THEM TO BE REMOVED OFF MY CREDIT FILE.
Product: Credit card

I have already reported Wells Fargo with you before under the complaint id XXXX. They have just mailed me a letter stating that for the third time they are denying my fraud claim. I am extremely disappointed in not only them but you. Wells Fargo has a known history of ignoring fraud or creating it themselves and they had done it again and I felt you did not do your job in watching them and did not keep me informed on anything. I was just put in contact with another worker with Wells Fargo and no check was done to make sure they are actually looking at the evidence provided. I sent wells Fargo and lengthy email detailing the locations of the false charges and my personal location on not only the date that the charges were placed but on several days before as well to thoroughly exclude myself from being the one who made said charges. I showed my fill location history for several days at no point going to any of those facilities but I was still somehow found to be the one going into those establishments and spending amounts of money i have one never spent before and at places i had two never been before. I will upload a word document with this evidence attached to once again prove i was not at those locations and did not spend the money.
Product: Mortgage

Gentlemen : This Company ( PHH XXXX, XXXX NJ XXXX ) has failed to provide me with a " Release of Liability '' upon a fee of {$900.00} which I paid on XX/XX/2014. Please advise. Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting information on my credit report that do not belong to me.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Demand for Deletion of Information Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) I am writing to formally request the deletion of information from my credit report in accordance with the Fair Credit Reporting Act, FCRA 605B ( 15 U.S.C. 1681c-2 ). The information in question relates to fraudulent activity and/or identity theft, which has adversely affected my credit report. 

Please find the details of my request below : FTC Report Number : XXXX Creditors : 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 Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : XXXX. A copy of my credit report I received from your company. The fraudulent items are in screenshots from each credit reporting agency as shown in each screenshot. XXXX. A copy of my Identity Theft Report and proof of my identity. XXXX. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that specific information. 

I appreciate your prompt attention to this matter, and await your reply. I hereby request that the Consumer Financial Protection Bureau take immediate action to delete the aforementioned fraudulent information from my credit report within XXXX business days, as well as in accordance with the provisions of the FCRA. The presence of this fraudulent information is causing significant harm to my financial standing and overall creditworthiness. 

Please confirm receipt of this request and provide me with an update on the actions taken to resolve this matter. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Product: Mortgage

On XXXX XXXX, XXXX, we received letter from Wells Fargo informing us that we did not qualify for Home Affordable Modification Program. We were told that XXXX XXXX requires that the property be owner-occupied. The XXXX XXXX website says requirements : Property Type : XXXX-to-XXXX-unit XXXX residences, including condos, PUDs and manufactured homes. 
XXXX homes XXXX-to-XXXX-unit investments properties We meet the requirements for the XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX This single family house is for the one of the investment property. As noted in our Hardship Statement, we are presently current on the mortgage payments for XXXX XXXX XXXX XXXX, XXXX, CO XXXX. Because of the increasing medical and assistance with daily living costs, we fear imminent default once the mortgage payments almost double in XXXX XXXX, XXXX. As I mentioned earlier, my husband list his job in XXXX XXXX which lead to our financial issues and we had to file for Chapter XXXX Bankruptcy. My husband suffered a XXXX on XXXX XXXX, XXXX and again on XXXX XXXX, XXXX in conjunction with XXXX. XXXX. We would very much like to resolve the loan modification matter so that we can focus on his recovery. Thank you for your assistance in this matter.
Product: Debt collection

A guy named XXXX said he was looking for a woman who was not me ( I am a man ). I told him I was not that woman and that he should not call anymore. He continued to ask about her and I told him I did not have any information about her. I told him not to call me anymore and that I had received calls from his company before regarding this same person. He then got verbally abusive with me and argued with me and then hung up the phone. He called from the number ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was unable to request a security freeze with Experian. XXXX and XXXX  were easily able to fulfill my requests.