23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I 'm into 23 cycle of my 30 yrs loan. Loan any XXXX at 4.499 %. Recently when I checked my principal+interest composition, it appears that my interest is double than principal. Is that sound right, granted that in the coming years it will come down but banks collecting interest more than the principal sounds morally unethical. We all work hard to pay mortgage/bills and to meet our ends. But when you learn that banks safe guard their interest and profits, and keep their interest at higher priority than you as a customer it sounds wrong. Just to put into perspective, off the total money i.e. towards principal and interest I pay, more than {$1000.00} goes towards interest and less than {$500.00} towards principal. Is this ethical? Not until 15 yrs into loan, my principal n interest would be equally. That means I 'm XXXX if I want to buy another house n sell my current house. Banks has collected more interest in 2 yrs than paid towards principal. Is n't this incorrect? I mean how will low to medium income family survive. My contact XXXXXXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX  XXXX {$510.00} XXXX  XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on to XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. However, XXXX said they completed the investigation, and everything was 100 % accurate. 

According to 15 U.S. Code 1681a - Definitions ; rules of construction- ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I would like to know who did they talk to. How did they complete this investigation. 

On XX/XX/XXXX, I mailed a letter to the United States Bankruptcy Court, Middle District of Florida. Im confused because I received a letter from the United States Bankruptcy Court, and they specifically stated that they DO NOT report any information to consumer reporting agencies. Since its clear the Bankruptcy Court does not report to any credit reporting agency in this matter ; therefore, XXXX response to verifying the item with the court was either an ERROR or LIE. Either way, the reporting requirements do not comply with the FCRA 611. 15 U.S. Code 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, the information must be Deleted Immediately!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my further Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX, SC XXXX XX/XX/2020 ; XXXX XXXX XXXX Balance : XXXX
Product: Credit reporting or other personal consumer reports

Capital one is reporting that I was late on my payments for 60-90 days but I have proof payment was made in advance for the months they are claiming, payment was not received. I contacted them over the phone and they informed me they can not do anything about it or make changes since it is already being reported. 

I have written to XXXX, XXXX and XXXX, for the past seven ( 7 ) months, regarding the inaccurate information they are reporting on behalf of capital one about my payment history. The three bureaus are reporting my payment history as Current, was past due 60 days OR Paid or paying as agreed but reflects the inaccurate missing payments, still, under section two-years payment history. 

I have sent out over XXXX letters asking to validate debt and providing letters with proof of payments. This is effecting everything from buying a home to my health. I really would like to get this resolved. My account is still open. 

Late payment is for XX/XX/XXXX & XX/XX/XXXX but those payments were made. 
XXXX payment was made on XX/XX/XXXX for {$30.00}. 
XXXX payment was made on XX/XX/XXXX but my minimum payment of {$30.00} was made XX/XX/XXXX.
Product: Debt collection

XXXX XX/XX/year> I received my credit report and notice there was some fraudulent accounts that was not open up by me. I called XXXX XXXX XXXX XXXX XXXX this derogatory account. They asked for documents to support my claim and I sent them an FTC report notarized for account XXXX XXXX. I have not gotten a response as of yet. Someone used my social security number for their personal gain illegally.
Product: Credit reporting or other personal consumer reports

I contacted the company the company no longer own the account they sold the information to another creditor without authorization from me. I have a contract with third parties I dont know of. The information incorrect Child support XXXX Child support XXXX the balance incorrect. I will provide documentation of new balance the information reporting on XXXX XXXX Website is the wrong information XXXX XXXX XXXX XXXX XXXX also incorrect item I have any knowledge of Ihave sent numerous of letters to TransUnion, XXXX, and XXXX to remove and delete this items
Product: Checking or savings account

I received a PPP loan and it was deposited into my Chase account and Chase bank now is said that first all I needed to do was for them a copy of my 1099 and also my tax return the prove that I own a sole proprietorship business and sent that over to them and now they decided that they want me to go to tax attorney or CPA to get a letter so that they can unfreeze my PPP loan funds even though the bank that did the loan already verified all my information how I worked on the sole proprietor and they funded the loan but once it was deposit to Chase Chase now has decided that they want to hold my money Ransom because they want me to get all kinds of different documentation as a sole proprietor it's not something that is needed to run the business
Product: Credit reporting or other personal consumer reports

I have a credit card with CAPITAL ONE, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called CAPITAL ONE and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30-day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and CAPITAL ONE with no successful resolution. XXXX, XXXX, and XXXX reported me 30 days late in XXXX of 2022 for XXXX and XX/XX/2022 for XXXX and XXXX. There was an error on their part. I was never 30 days late.
Product: Credit reporting 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. 

1.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

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, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 c. ( 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 and crimes which antedates the report by 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

XXXX XXXX - Fake Broker in XXXX stole a huge huge amount of money from me through cash app. I was scammed. And it and he Ultimately ruined my living situation which left me without a home in XXXX. As a young woman I was tremendously affected and lost. I tried to settle through cash app and they would not help at all and wouldnt even try to contact XXXX XXXX for my funds back. Cash app was unhelpful. And I am writing to formally express my concerns regarding Cash app handling of disputes, Despite using Cash app numerous times and reporting discrepancies, my financial institution and Cash app failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Cash app has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This happen in XXXX of XXXX  and XXXX of XXXX.
Product: Money transfer, virtual currency, or money service

My wife received a phone call from a spoofed XXXX # to her cell phone at approximately XXXX ET on XX/XX/23. The number appeared as XXXX. XXXX also stated " BANK OF AMERICA. '' Bank of America 's legitimate # is XXXX. Coincidentally, my wife had lost her Bank of America debit card earlier that day and assumed she was receiving a call about potential fraudulent activity. 

The impersonating agent that spoke with my wife identified himself as XXXX XXXX from XXXX, Texas and provided an employee ID # : XXXX. They even have a fake XXXX Profile : https : XXXX The impersonating agent claimed that my wife 's Bank of America account was used to make an {$800.00} XXXX purchase and also a {$3500.00} transfer. The agent claimed they were able to stop the {$800.00} XXXX purchase in time, but that they needed her to setup a XXXX recipient to get the {$3500.00} transferred back to herself. They led my wife through steps to create a XXXX recipient ( as herself ) through her Bank of America mobile app, then transferred {$3500.00} to the recipient ( thinking it was herself ). 

We opened a claim with Bank of America less than 2 hours later at approximately XXXX ET. Regulation E of the Electronic Fund Transfer Act protects for unauthorized transfers ( 12 CFR 205.6 )
Product: Credit reporting or other personal consumer reports

THIS IS A NEW and UNIQUE CFPB complaint, not a duplicate. DO NOT AUTOMATICALLY CLOSE THIS CFPB complaint. 

Approximately two weeks ago I sent the following communication to XXXX, Experian, XXXX, and XXXXXXXX XXXX XXXXXXXX regarding a XXXXXXXX XXXX XXXXXXXX account that my consumer right to opt out of sharing, as a federally protected consumer per 16 CFR 433.2 and 16 CFR 433.3, my nonpublic personal information with any nonaffiliated third parties, per 15 U.S. Code 1681b ( a ) ( 2 ) and 16 CFR 313.7 ( f ) and 15 USC 6801 thru 6809, which I hereby exercise and invoke this right. As a federally protected consumer, per 16 CFR 433.2 and 16 CFR 433.3, I now, and indefinitely, as well as retroactively, opt out of any and all authorization ( s ) I, the consumer, may have given XXXX, XXXX, Experian, and XXXX XXXX XXXX written, unwritten, verbal, and non-verbal, per 15 U.S. Code 1681b ( a ) ( 2 ) and 16 CFR 313.7 ( f ) and 15 USC 6801 thru 6809.
Product: Debt collection

Representative from the Phoenix Recovery Group constantly harasses me with foul and vulgar language about a debt they claim I owe. The harassment escalated when I disputed their claims with the consumer reporting agencies.
Product: Debt collection

they did not update or provide proper documentation as stated they would. very rude and unprofessional. they are the only company that would not or give information needed once debt was paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Accounts : XXXX  XXXX Bankruptcy Discharged XX/XX/15 XXXX XXXX {$740.00} acct # XXXX XXXX  acct # XXXX XXXX  acct # XXXX XXXX acct # XXXX XXXX XXXX XXXXXXXX acct # XXXX XXXX XXXX XXXXXXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXXXXXX  acct XXXX XXXX XXXX XXXX  XXXX acct XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXXXXXX XXXX XXXX acct XXXX XXXX XXXX, XXXX PXXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX  acct # XXXX XXXX XXXX XXXX  acct # XXXX U.S Dept of Education {$1100.00} acct # XXXX XXXX {$530.00} acct # XXXX, {$1100.00} acct # XXXX, {$3300.00} acct # XXXX, {$2300.00} acct # 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.

There is no third party that assisted the generation this letter.
Product: Credit reporting or other personal consumer reports

Lived at XXXX XXXX XXXX XXXX. Was a victim of a XXXX XXXXXXXX XXXXXXXX incident. Gave my property manager the appropriate notice using Safe Homes Act. Property manager charged me to buy out my lease and a fee, stopped responding and sent to a collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion asking them to remove inquiries that are on MY credit report. They have sent me things saying that the inquires were verified. I do not have any contracts with the companies. I have called the companies and they can not verify ANY information associated with me I would like to know what steps Transunion took to 'VERIFY ' this. They have not provided me with any proof once again. Please remove the following inquiries. XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX/XXXX  XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXXt XXXX XXXX ; XXXX  XXXX XXXXXXXX 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 XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX and ALL inquires up until XXXX XXXX. I have called these companies I do not have any contract with them nor have I applied for anything. If they say that I have please provide me with my autograph. If no PROOF can be PRODUCED and shown to me please DELETE These are reporting inaccurately on MY report. Please send me the communication and/or method used to verify this. Your website say to call and thats what I did I called the company when I called transunion I was told I needed to file a fraud report that is not what their website says. This here is my fraud report.

UCC1-308
Product: Credit card

On XXXX XXXX I Called Concora Credit in regards to an error I found on my credit card statement that alleged I missed a payment. I told them that I had submitted my payment via postal mail. And I requested an investigation immediately for the fact that I was now disputing what Concora Credit claimed I owed. Instead of following my directions they continued to collect a debt while it was in dispute. And communicated false information to the credit reporting agencies that I had missed payment/late payments harming my reputation. In attempt to resolve this matter I also wrote a letter to Concora Credit requesting the original agreement, that shows their rights to communicate false information, and they still ignored my request. I have been harassed and abused by Concora Credit by unfair and unconscionable means to collect a debt.
Product: Credit reporting or other personal consumer reports

Description of the Issue : I am submitting this complaint regarding outdated and incorrect personal information that remains on my credit reports with XXXX, XXXX, and Equifax despite my formal disputes. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, credit reporting agencies are required to maintain accurate and up-to-date personal information, yet my reports still contain incorrect addresses, phone numbers, and employer details. 

In each case, I formally requested that only the following current personal information be kept on file : Name : XXXX XXXX Current Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Number : XXXX I submitted the following letters to correct these errors : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ( Letter dated XX/XX/XXXX ) XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ( Letter dated XX/XX/XXXX ) Equifax XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ( Letter dated XX/XX/XXXX ) These letters requested the removal of all previous addresses, outdated employer information, and old phone numbers, except for the current information listed above. However, the errors remain unresolved. Maintaining inaccurate personal information violates my rights under 15 U.S.C. 1681i, which gives consumers the right to dispute incorrect information and ensures prompt corrections.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXXXX/XX/year> it shows that XXXX XXXXXXXX XXXX XXXX made an Hard Inquiry on My Credit Reports without XXXX, XXXX, & Experian without my consent. I even have a Fraud Alert on all my Credit Bureaus, they still allowed them to pull it even with the notification listed stating that I had fraudulent activity and notified the Company & the Credit Bureaus that it was obtained Fraudulently without my consent and Requested that they Remove the Inquiry the same as Ive had to do regarding 3 other Hard Inquiries, along with accounts opened w/o my consent & they were Removed, but after nearly 2 months Ive still been unable to get the Credit Bureaus to remove the Hard Inquiry or get the Consumer to remove it. I have 5 Credit Cards with this Company which is the Max Allowed & I Never applied or requested my Credit be pulled again, but like the other companies, they pulled a Hard Inquiry dropping my Credit Score & preventing me from obtaining higher credit limit increases that I was about to receive & was denied because of this Hard Inquiry Ive disputed like the previous ones & nothing I do will get it removed & I NEVER REQUESTED FOR THEM TO OBTAIN MY CREDIT REPORT LIKE THEY DID ON ( XX/XX/year> )! Please Help Me Get This Inquiry Removed From My 3 Credit Bureaus, as its preventing me from obtaining credit limit increases on accounts Ive had from XXXX XXXX XXXX & Ive never been late on any of my Credit Cards I requested & this Inquiry has dropped my Credit Score nearly XXXX XXXX  & its destroying my Credit History having this Hard Inquiry that was OBTAINED FRAUDULENTLY & WITHOUT MY CONSENT!!! PLEASE HELP ME DO WHATEVER POSSIBLE TO GET THIS REMOVED FROM MY XXXX CREDIT BUREAUS!!! Im begging for your help because even with a Fraud Alert Added, a Notation about the Fraudulent Activity thats occurred, & a request noting not to pull my credit without my consent, all 3 Credit Bureaus allowed the Hard Inquiry XXXX XXXX XXXXXXXX XXXX XXXX  pulled this Hard Inquiry on XX/XX/year> as I stated w/o my consent & Done Fraudulently w/o ever obtaining my consent!!! AGAIN, PLEASE HELP ME GET THIS HARD INQUIRY REMOVED DUE TO IT BEING REQUESTED & OBTAINED FOR THE PURPOSE OF OBTAINING A CREDIT CARD FRAUDULENTLY WITHOUT MY CONSENT!!! Thank You So Much For Any & All The Help & Assistance You Can Offer In Getting It Remived From All 3 Of My Credit Bureaus!!! Have A Blessed Day!!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX2024XX/XX/XXXX XXXX2024 XX/XX/XXXXXX/XX/XXXX-2024
Product: Debt collection

I was fitted for a XXXX brace with a prescription. They called my insurance company and agreed the insurance company would pay 50 % because they were out of network. My insurance company ask them several times For documents which they did not provide. Because of the time gone by the insurance company closed the case. The company has called me many times. I offer to pay them my half and they refused my payment method. I believe they gave me a more expensive brace than what was prescribed. Once again I did offer to pay my part
Product: Checking or savings account

In complaint XXXX, I mentioned that Bank of America closed out my account after I deposited a check ( issued by another Bank of America branch ) and reported me to the XXXX XXXX. The check is completely valid and it should be trivial for BoA to verify -- it's issued by them. In the letter describing that they closed my account they claimed that they will mail me a check of the amount my account balance, which I have never received. This was almost a year ago. Since then I have been trying to get my money back using their online banking, phone banking, and finally in XXXX, their branches. In XXXX I went to a BoA branch 3 times to get my money back to no avail. 

Not being able to get my money back for almost a year, I finally filed a complaint with FDIC, which forwarded the complaint to CFPB. Today I got a call from a Bank of America representative asking if it was me who filed the complaint with CFPB in a threatening tone. Please help me with this issue. Thank you.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> an inaccurate balance of {$20.00} was furbish onto my consumer report by a debt buyer XXXX XXXX XXXX and is law firm XXXX XXXX XXXX I am not obligated and will not paid the alleged debt of {$20.00} inaccurately furbish onto my consumer report. The original debt of {$2200.00} has been satisfied. I have reached out to both XXXX XXXX XXXX XXXX XXXX XXXX XXXX who I will be filing a summons and complaint ( small claims ) against for violations of the Fair Debt Collection Practices Act ( FDCPA ).