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

I reviewed the results that you have sent back to us after your investigations, I appreciated you for removing some of the inaccurately reported accounts, But it seems the investigation is not fully done, I still profoundly dispute the following remaining Accounts. These items are still reporting illegally which leads to great damage to myself. I would need your help to fix my credit. 
Based on my rights with the Fair Credit Reporting Act Section 1681i, I request you to re- investigate. I look forward to your reply and address my concerns right away! 
XXXX XXXX - XXXX - date opened and last active is inaccurate - 15 U.S.C. 1681s-2 ( a ) Duties of Furnishers of InformationThis section requires creditors ( furnishers ) to provide accurate information to credit reporting agencies ( CRAs ). If they report a late payment incorrectly ( wrong date, wrong amount, or reported late when it was on time ), they must correct it. Delete account off credit report XXXX XXXX  XXXX - XXXX - date opened and last active is inaccurate - 15 U.S.C. 1681s- 2 ( a ) Duties of Furnishers of InformationThis section requires creditors ( furnishers ) to provide accurate information to credit reporting agencies ( CRAs ). If they report a late payment incorrectly ( wrong date, wrong amount, or reported late when it was on time ), they must correct it. Delete account off credit report Further This is the only personal information that should be available on my credit report, Please correct/remove the Inaccurate personal informaton : Name : XXXX XXXX XXXX Address XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : XX/XX/year> The below is the inaccurate personal information that is showing on my credit report Incorrect DOB - XX/XX/year> - The following information is Outdated, Please remove it from my credit Report - Delete personal data due to violation of 15 USC 1681e ( b ) Incorrect Address - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX - The following information is Outdated, Please remove it from my credit Report - Delete personal data due to violation of 15 USC 1681e ( b ) Furthermore, I am requesting you provide me with the names and addresses where you verified this information with so I can follow up as well. 
attached is my proof of this account was deleted off my other report
Product: Mortgage

2nd Mortgage Payoff I am very disappointed with Citizens One Bank and their payoff of practices with regards to my 2nd Mortgage. It is my educated opinion that Citizens One practices are unethical and not in the consumers interest. I have also filed a complaint, XXXX, related to their practices of mortgage loan payoffs with regards to my 1st mortgage. 

XX/XX/XXXX Payoff letter requested. Interest cost {$2.00} per day, starting on XX/XX/XXXX, until paid in full, please see calculations on supporting documentation. Disclaimer on Citizens One payoff letter states " any outstanding checks or charges that are not included in the above payoff amount are the responsibility of the customer. '' XX/XX/XXXX Closing documents signed. 

XX/XX/XXXX Funds received by customer and Citizens One Bank. Citizens One did not dispute this assumption on my part when I complained about my 1st mortgage payoff. Interest due {$27.00} plus payoff XXXX = {$13000.00}, less that original check amount of {$13000.00}.??, see below. 

XX/XX/XXXX Citizens One generated letter stating my loan was paid in full. 

XX/XX/XXXX Collection letter generated by Citizens One. 

XX/XX/XXXX Called customer service. In speaking with customer service I was told that a check was received for {$13000.00}.??, that it was posted to my account, reversed and returned to the closing agent on XX/XX/XXXX. I was also told that on XX/XX/XXXX a second check was posted, {$13000.00}, which paid the loan in full. At no time was I ever informed that my payoff was short as implied in the payoff letter quote above. Citizens went back to the title company and charge me interest on the loan balance while they waited for resolution. I was also made aware at the time of my call that since my loan was paid in full that Citizens only maintains the loan on their online banking system for two days after pay off so I, as the customer, ca n't see how the final payoff was completed, no transparency. In addition when I asked to confirm the date the original check was received I was told that the only department that could confirm the date was the payoff department but they do not take phone calls and customer service does not have access to that information. 

This entire experience has left me to wonder how much of Citizens One 's interest income is made up of income derived by not applying payoff funds when received, not backdating funds to the date received or by not following through by contacting their customer when funds are short, if it is stated as my responsibility they have a duty to inform me of the shortage. Citizens One practices are one sided, their side to increase income, and are seriously in need of a review of internal controls ( collection letter generated after paid in full letter ). I firmly believe that the CFPB should look into the payoff processes at Citizens One for both their mortgage and consumer loans divisions.
Product: Credit reporting or other personal consumer reports

There are hard inquiries on my report with companies that I did not authorize and I did not give any consent or written consent to run my credit.
Product: Student loan

I contacted FedLoan Servicing via email with no response one week prior then called to follow-up with a phone call to discuss unpaid interest on my account. Spoke with Fed Loan Customer Service, XXXX XXXX regarding my concerns. Per FSA IDR Plans Q & A Under the REPAYE Plan, if your calculated monthly payment does n't cover all of the interest that accrues, the government will pay all of the remaining interest that is due on your subsidized loans ( including the subsidized portion of a consolidation loan ) for up to three consecutive years from the date you begin repaying your loans under the REPAYE Plan, and half of the remaining interest on your subsidized loans following this three-year period ; and half of the remaining interest that is due on your unsubsidized loans ( including the subsidized portion of a consolidation loan ), during all periods. 
When looking at my paper statements, the online information about each loan and the loan summary information there is a balance for unpaid interest. I was told first that the unpaid interest taken care of on a monthly basis but I have not seen a reduction in the interest on any of my loans since transferring to the REPAYE payment plan. Was told that " it will be forgiven through PSLF and not to worry '' which is irresponsible. I requested an accounting of the total unpaid interest amount on my account and what portion is from unsubsidized vs subsidized and for what months. Was told ther is no way to get an accounting of unpaid interest, additionally was informed there may be a lag time in processing the interest subsidy. As of today, this has been a lag of over 6 months with no documentation or clear timeline for resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a federal protected consumer I know you can not use an attorney against a federal protected consumer. I will be filling for default judgement and then you will be entering a class lawsuit for violations, stress and mental anguish and at least 1 % of the company pursuant to TILA 1640 or any other amount of damages pursuant to 1692K.
Product: Checking or savings account

I have an AUTO Policy with USAA. My vehicle was deemed a total loss. The bank whom also manages my checking account collected money off the top of this vehicle loss. I contacted them and told them I will not be adding any other vehicles and I did not have any vehicle rental options on my policy So It Should Have been Closed. Instead they kept withdrawing payments from my account stealing my money via draft. I filed a complaint with the CFPB last week 2 times and they sent a man names Mr XXXX to call me. He threatened me telling me that If I sued him he would simply report a lapse in my coverage when I dont have a vehicle! I told him cancel the policy and this is what he told me! Please assist me in canceling this policy. I sent you proof that the Investigation was over. I need an executive to help me in this matter. They sent me a check and collected a percentage on the loss. Close my account now.
Product: Debt collection

XX/XX/2022, I sent a letter to California Business Bureau to validate he debt that I allegedly owe. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am, undeniably, the party you are requesting to pay this debt. I am requesting validation of the date of alleged medical service, the name of the patient, and proof that there is some contractual obligation that is binding on me to pay this debt. 

Any agreement with your client that awards you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. 

The term breach of security means, concerning unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 

California Business Bureau is not complying with their own policies in a timely manner.
Product: Money transfer, virtual currency, or money service

I was approached with an chance to invest in an account and told to wire funds to start and open an account I did that and few days later I was sent account number and code to see account when I tried to transfer funds I was told to pay an activation fee which I did sent another wire when I tried to make a transfer I was told I needed to pay a card fee and a licensing fee which I did sent another wire when I tried to withdraw I was told tax dept put a hold on account for unpaid taxes so I sent another wire once again I tried to withdraw only to be told government drug enforcement determined my name show illegal activey and I needed to pay for a back ground history for my name to clear it and have account released at this point I was completely out of money so I told them I would get back to them that is when I contacted payback for help and during this whole time period not once did Citizen Bank ever ask if I was sure about these wires
Product: Checking or savings account

CapitalOne bank has a " problem with a third-party vendor '' that is preventing deposits to consumer banking accounts. In trying to reach them this morning to inquire about two major deposits ( total of ~ {$70000.00} from a XXXX retirement account and the XXXX XXXXXXXX XXXX XXXX ) to my account that should have been, but were not, deposited this week. Their customer service lines ( ( XXXX ) XXXX and ( XXXX ) XXXX ) disconnect after the second set of options/useless information when I am finally able to request to speak to a representative. I have never had a problem reaching them through these numbers in the past. This is not acceptable on top of the savings account fraud that was reported earlier this week! Thank you.
Product: Credit card or prepaid card

XXXX XXXX XXXX has opened a charge account a credit card account at this place of business under my name using my social security number and my creditials with out my knowledge without my permission without my consent with out any authority from me he has charged multiple purchases on this account acquiring numerous debt under my credit under my social to where debt collectors are persuing methis criminal has a record has past charges of this type of action I have email documents from a previous court preceding showing his actions and how other court systems in Louisiana Georgia and Texas  has ruled against his actions this is not my account and I should not be held liable for it
Product: Mortgage

On XX/XX/2023 Crosscountry Mortgage, Escrow office told me that we owe {$3100.00} to Escrow for the Home Owners Insurance payments to these two Companies, do to the fact that we changed Insurance Companies from XXXX XXXX to XXXX XXXX and back to XXXX, I had to cancel my pollicy with XXXX XXXX do too many fee increeses with in few days and went back to XXXX XXXX. When we received the Refunds from XXXX and XXXX XXXX, I called Escrow to verify The amount we were owing, i was told that the immediate payment needed was {$1400.00} somthing, we transfer from our bank directly to Crosscountry Escrow the refund money {$3.00}, XXXX that we received to cover all that we owed. Now we are short in Escrow Our monthly payment mortgage went up {$200.00} and they do not know what happened wit our {$3200.00} money! We need Help,
Product: Debt collection

on XXXX XX/XX/2022, AUGUSTA COLLECTION AGC flagged my account as Collections for a {$56.00} balance. I have never heard of this company, they have never spoken to me in person about the debt, they have never spoken to me by telephone about the debt, they have never mailed me a letter about the debt and I have never received an electronic communication regarding the debt.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I disputed fraudulent accounts on my credit report, specifically XXXX XXXX XXXX XXXX XXXX and two XXXXXXXX XXXX  ( XXXX and XXXX ) accounts, as reinserted accounts that had previously been deleted but improperly appeared again. Upon reviewing my updated credit report on XX/XX/XXXX, I confirmed that the disputed accounts had been successfully removed and not showing anymore. However, on XX/XX/XXXX, I received a Credit Monitoring Notification from Experian stating : " One of your accounts has been reported as over the credit limit. '' The account referenced was XXXX XXXX, which had already been deleted from my XX/XX/XXXX report. This notification indicates that the account was improperly REINSERTED AGAIN without proper verification or notice, in violation of the Fair Credit Reporting Act. To verify this, I reviewed my current Experian credit report directly on their website and found that the XXXX XXXX XXXX XXXXXXXX ) has indeed been reinserted. Additionally, the XXXX XXXXXXXX XXXX accounts ( XXXX and XXXX ) have also been reinserted. The improper reinsertion of accounts by Experian violates several consumer protection laws. Under FCRA 15 USC 1681i ( a ) ( 5 ) ( B ), Experian must provide written notice within five business days of reinserted information, including details about the reinsertion and its source; no notice was given, making this unlawful. Furthermore, FCRA 15 USC 1681e ( b ) requires credit reporting agencies to maintain accurate reporting procedures. By reintroducing disputed accounts without proper verification, Experian has failed this requirement. Lastly, under 12 U.S.C. 5536 ( a ) ( 1 ) ( B ), these actions are considered unfair practices that harm my financial standing by retaining and re-reporting previously disputed and inaccurate accounts. The improper reinsertion of these accounts has negatively impacted my credit score, limited my ability to obtain credit, and caused financial distress. This issue has been ongoing, and I do not intend to keep repeating the dispute process every time these accounts are reinserted. Given their history of deletions and reinsertion, I am requesting their IMMEDIATE AND PERMANENT REMOVAL to prevent this situation from continuing.
Product: Credit card

Today is XX/XX/2023. My wife and I are on day 1 of a three week XXXX vacation. I used my Bank of America Travel rewards card to make multiple purchases. This afternoon, however ( approximately XXXX XXXX XXXX ) my Bank of America card was declined at a bakery. I have a credit limit of nearly XXXX XXXX dollars, carry a XXXX monthly balance, and havent even charged a XXXX dollars worth of purchases since arriving in XXXX less than XXXX hours ago. 

I assumed correctly that the card was flagged for fraud when I called the number on the back of the card and was transferred immediately to XXXX in the fraud department. He performed extensive identity verification and verifications that I indeed made those purchases and had physical custody of the card, and that it has never left my possession. I had added it to XXXX XXXX as well earlier in the day to streamline my purchasing here, and to minimize my exposure to becoming a victim of crime by only pulling out my phone. 

After approximately 10 minutes on hold, I was informed by XXXX that they received an alert that a company I had shopped at was hacked in the past. Mind you, the past being before I had made my purchase. He stated that because of this hacking, the hackers had a portal to view the future and get my credit card number despite the hack coming before the purchase. He stated that my card has been cancelled and reissued, and there was nothing else that could be done. I reiterated that I was out of the country, and asked if the card could be reissued when I returned and was told no. 

While telling me no, he gave me corpospeak XXXX about how this is to protect you and your account I immediately called him out on this, as its not to help me at all. Its 100 % to minimize risk for BOA because theyre on the hook for fraudulent purchases, not me. Theres no way that stranding me on a different continent with no Visa card and XXXX Euros to get through three weeks is somehow helping me. XXXX offered to expedite a card to where Im staying, but Im not able to get mail, and were not staying in the same place for the 3-5 business days he quoted for it to get to us.
Product: Credit reporting or other personal consumer reports

As per FCRA 605B, any incorrect accounts should be removed from my credit report. Could you please review the documents? Some listed accounts have inaccuracies, such as incorrect amounts and dates.
Product: Credit reporting

XXXX is illegally reporting my account as late after my bankruptcy when it was in good standing up til the filing. They closed my account, would n't take anymore payments and now reporting monthly as over XXXX days late. I attempted twice to contest this and they continue to do it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account 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
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : 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

On XX/XX/XXXX I went to a Preconstruction site seller ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ) had their preferred lender on site. New home consultant, Lender ( FBC mortgage ) and myself began to Converse about purchasing my first home ( conventional loan ) I wanted to move forward I filled out a loan application, signed a contract and my credit was pulled I was advised by lender to get with his credit repair company he works closely with to get my credit up for a better interest rate down payment was made ( XX/XX/XXXX ) I never received an approval letter or a denial letter. Lender pulled my credit several times without notify me or communicating with me for five months. My credit is going down paid credit repair company emailed me in XX/XX/XXXX stating he needs 4 more months to work on my credit I canceled repair service. Notify the lender and builder of my cancellation once I did that home is complete in XX/XX/XXXX they schedule closing date XX/XX/XXXX I was not able to close due to my credit score builder ( 13 floors ) said I 'm in default and they are keeping my down payment ( {$19000.00} ) Builder 's attorney sent me a default letter with an extension for XX/XX/XXXX with penalties {$170.00} per day starting from XX/XX/XXXX up until XX/XX/XXXX. Because I did n't let them pull my credit on XX/XX/XXXX due to me getting a new Lender and attorney I received a letter stating my deposit will be disbursed to the seller directly and the property has been placed back on the market for sale.
Product: Debt collection

XXXX XXXX XXXX, of XXXX continues to harass our company over a disputed invoice that was settled years ago with a shipping company called XXXX. 

Although he was notified that the account was paid off, he ignores and constantly emails and calls to demand payment and proofs when the the burden of proof is on him or XXXX   or whomever hired him ( if he was even hired ). It is not clear if XXXX is double dipping on purpose as we no longer wish to do business with them but its on the collector to sort it out and stop the maddening practice. 

XXXX XXXX XXXX is aggressive, dismissive and abusive and should be reprimanded for his outrageous tactics and business practices. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX Phone : XXXX Fax : XXXX
Product: Credit reporting

My correct address is XXXX. XXXX XXXX, XXXX, WI XXXX. Please eliminate the incorrect address of XXXX. XXXX XXXX, XXXX, WI XXXX.
Product: Debt collection

World Acceptance Corporation called my boss 's PERSONAL CELL PHONE trying to reach me. He asked them how they got his number, and the person replied that it was printed on my paycheck stub. ABSOLUTE LIE. We would never print ANY personal cellular numbers on our paystubs. They must have done some digging to find out who owns the company I work for. 

Meanwhile, I do n't receive calls to my personal phone number from them. I do get random " Unknown '' phone calls, but when I answer, there is never a response from the other end, so I 've started sending them to voicemail. No message is ever left. This is HARASSMENT.
Product: Credit card

I was looking for a quote of carpet and moldings for the basement at Lowe 's and provided the sales woman with the sample. In XX/XX/2023 Lowe 's delivered both carpet and moldings, but neither is what I asked for nor does it near the sample I provided. I went to the local Lowe 's store and tried to solve the problem. The store manager refused to solve the problem, and became nasty when he failed to provide a signed copy of contract. 

The charge on my credit card was total {$2000.00}. I reported to the bank Synchrony for dispute and requested for an investigation multiple times. The bank denied dispute multiple times but failed to provide evidence to support its conclusion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notification from the creditor that they couldnt find record of this account, so how did you come back and say that it was verified as accurate? Unverified and illegal reporting, remove the following account from my credit report immediately : XXXX XXXX XXXX. You are also reporting errors in the payment history which is another violation of the fcra and I can take this to small claims court.