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

I am writing to formally dispute the unauthorized inquiries listed on my credit report, which are fraudulent in nature. Despite my multiple correspondences with your bureau and the submission of the required FTC Identity Theft Report, these inquiries remain on my credit file. 

As a victim of identity theft, I have taken all necessary steps to address this issue, including contacting the institutions associated with these inquiries and providing comprehensive documentation to substantiate my claims. Despite these efforts, your bureau has yet to resolve this matter satisfactorily. 
It is essential to note that the fraudulent nature of these inquiries has been confirmed by the respective institutions, and they have assured me that these inquiries were erroneous and should be removed. Furthermore, other credit bureaus have already acted on the FTC report and removed these unauthorized inquiries from their records. 

Therefore, I am perplexed and concerned by your bureau 's continued reporting of these fraudulent inquiries. This ongoing issue not only undermines the accuracy of my credit report but also causes significant distress and potential financial harm to me. 

According to the Fair Credit Reporting Act ( FCRA ), your bureau is legally obligated to conduct a thorough and reasonable investigation of disputes. This investigation must promptly review all relevant information provided by the consumer, such as myself. I urge you to reinvestigate these inquiries and remove them from my credit report immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I'd like to formally file a complaint against Bank of America. While trying to recoup funds that I transferred in an international wire transfer, a Bank of America employee in the wire department gave me wrong information, and they failed to file my case with the fraud investigation team. I believe Bank of America has impeded the refund process and is partly responsible to possible irrevocable loss of funds. 

The international wire transfer was initiated on XX/XX/XXXX at XXXX XXXX. I realized it was a scam shortly after, and attempted to reverse the wire at XX/XX/XXXX at XXXX XXXX. I was transferred to the wrong departments, and eventually got a hold of XXXX at the XXXX Department at XXXX. XXXX told me that he saw my transfer was in a " compliance review '', and he couldn't update the status of the transfer. He told me that Bank of America would need more information before approving the transfer. He assured us the transfer would not go through without Bank of America getting more information. 

On XX/XX/XXXX at XXXX XXXX  I received an email from Bank of America that my wire transfer had successfully gone through. I didn't see the email until the afternoon. I immediately called XXXX at XXXX XXXX  and was on hold for XXXX minutes before I got a hold of XXXX. I told him what happened, and he said that usually Bank of America would need more information, but for some reason they didn't in this case. This was in direct opposition of what he told me 3 days before. I asked to get a recording of our call on XX/XX/XXXX because it was the complete opposite of what he told me. He said he couldn't give those records but he could have a supervisor listen to the call and contact me. I was never contacted by a manager or supervisor. 

Also, Bank of America failed to alert the fraud investigation team of my case until XX/XX/2022. It was only when I gave them the police report file number that they realized no one had initiated my case with Bank of America 's fraud investigation team. That was XXXX weeks after I called attempting to cancel the transfer, which again, was the same day the transfer was initiated on XX/XX/XXXX. I believe Bank of America is partly responsible for the loss of funds due to wrong information given to me, and a lack of action.
Product: Debt collection

I was contacted by Omega RMS from XXXX ( not sure of spelling ) at XXXX on XX/XX/23 who left a voicemail asking me to return her call in which I did. I called and asked to speak with XXXX but the representative ( XXXX ) refused to transfer me and took the call herself. XXXX was extremely rude, confrontational and unprofessional. I explained to XXXX that I disputed the debt and followed the dispute instructions provided on the letter I received. She proceeded to tell me that I " can't just say I dispute the debt '' and " where is my supporting documentation '' and hung the phone up on me. I called back and spoke with a gentlemen whose name, I did not make a note of and asked to speak to a supervisor. He stated there was no supervisor available but agreed to take a look at the issue. After some back and forth with this representative, he stated they had received my letter and will investigate which could take 30 days. The letter I received states that if Omega RMS receives the dispute by XX/XX/23, they must stop contacting me until they send additional information, which has not happened and that is a violation of the law. I strongly dispute this debt as I have been scammed by a fraudulent and deceitful company. 

https : XXXX
Product: Mortgage

On XX/XX/XXXX I contacted Penny Mac about my mortgage. They had misapplied an XXXX payment and had been charging me interest since, driviing up my monthly payments and interest, without ever sending me an email or mail notification of the issue. I discovered the issue on my own. Meanwhile, they were intentionally destroying my credit. 

I then contacted customer service to remove my PMI from my mortgae since my lien was far less than what i had originally paid or the market value.

Yet, Penny Mac, having misapplied payments, interest and overage fees, claimed I was ineligible. Once the payment was affirmed and the interest and overage fees reversed, Penny Mac refused to remove PMI. They then kept me on hold for over an hour to answer any questions. At one point I asked that I be recorded for CFPB investigation. They refused.

I would appreciate the CFPB keeping PennyMac accountable for all their misapplication of funds, their refusal to remove PMI once eligible, and their abusive customer service. 

I spoke to : XXXX from the servicing team XXXX put on hold XXXX put on hold XXXX still on hold XXXX still on hold ond Direct HANGUP
Product: Debt collection

Hello, Started receiving calls 2 days ago from a supposed law firm called XXXX XXXX  XXXX. They are claiming to be a law firm threatening to serve me today over a debt from an account that hasn't been used since 2010. They are claiming I owe XXXX on a debt to HSBC bank and last activity on the account was 2010. Statute of limitations in NY is 6 years and I believe the same in Ohio. I'm almost a decade past that. 

Man on the phone essentially claimed officers were on the way to serve me if I didn't agree to pay them the full amount today. After doing some research is seems this company makes similar threats to others. 

I was sent an email from a XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX XXXX XXXX
Product: Debt collection

I am writing to file a complaint against Hunter Warfield regarding its violations of the Fair Debt Collection Practices Act ( FDCPA ). The collection agency in question has added a debt to my credit history without any agreement or written authorization from me. 

Despite my request that they return the alleged debt to the original creditor, the collection agency has continued to pursue collection activities against me, which I believe is a violation of my rights under the FDCPA. I have also requested debt validation, as is my right under the FDCPA, but the agency has not provided me with any proof that I owe this debt. 
I believe that this collection agency has violated several provisions of the FDCPA, including but not limited to : 1. 15 U.S.C. 1692e ( 2 ) ( A ) - falsely representing the character, amount, or legal status of the debt 2. 15 U.S.C. 1692e ( 5 ) - threatening to take any action that can not legally be taken or that is not intended to be taken 3. 15 U.S.C. 1692e ( 10 ) - using false representations or deceptive means to collect or attempt to collect any debt 4. 15 U.S.C. 1692f ( 1 ) - using unfair or unconscionable means to collect or attempt to collect any debt I am requesting that the CFPB investigate this collection agency for their violations of the FDCPA and take appropriate action to ensure that they cease all collection activities related to this debt and that they correct any negative reporting on my credit history.
Product: Payday loan, title loan, personal loan, or advance loan

Was included in the lawsuit against Aqua Finance. Because of their deceptive practices the had to pay a settlement. I have now received a XXXX Cancellation of debt for the amount that they were told we were no longer liable for. They are again trying to recoup funds and place the blame of their former customers for the complaints. This is retaliation practice because they had to pay out.
Product: Credit card

On XXXX we ordered a home inspection on XXXX. Whilst the inspection was ongoing we had to cancel because of realtor malpractice. We were unable to reach the inspector who at that time was tresspassing. The inspection company on XXXX stated they would provide a cancellation and refund. However, later on this was recanted. For this reason we requested a dispute with Barclays to obtain our refund. Barclays ruled against us and charged us again on XXXX. Barclays never requested documentation or provided us with an opportunity to support our case. Barclays failed in their duty towards us as card holders. Furthermore, for a repeal we need to physically mail in documentation. It appears merchants have access to digital means. This appears to be designed to the detriment of card holders. We will send in our evidence in the mail.
Product: Debt collection

I am writing to issue a formal complaint regarding an erroneous entry on my credit report that I obtained from National Credit Systems. This entry relates to a debt associated with an apartment leased through my business. I never personally guaranteed this debt, yet it appears incorrectly on my personal credit report, which constitutes a direct violation of my consumer rights. The incorrect debt has been on my report since XX/XX/scrub>XXXX XXXX It is imperative to note that this entry is factually inaccurate as there was no personal guarantee made by me for any business-related obligations. This misreporting has led to undue harm to my credit standing and financial reputation. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., both credit reporting agencies and furnishers are legally obliged to ensure the accuracy and completeness of the information they report. The failure to comply with these requirements exposes you to potential legal actions, including but not limited to, damages and necessary remedial measures as outlined in Sections 1681n and 1681o of the FCRA. I demand an immediate investigation into this matter, the removal of the inaccurate entry from all my credit reports, and a written confirmation of these corrections. Should this issue not be resolved promptly and in accordance with the FCRA, I am prepared to pursue all legal remedies, including filing a lawsuit for statutory and punitive damages. I expect your response and resolution within 30 days from the date of this letter. Thank you for your prompt attention to this critical issue.
Product: Debt collection

ic System sent collection letter XXXX, for Creditor : XXXX XXXX for {$270.00}. 
This is the 3rd company contacting me. 

IDENTITY THEFT My 2020 income tax returns were stolen from US mail.
Product: Money transfers

Western Union online money transfer : XXXX/XXXX/2016 - {$59.00} WESTERN UNION XXXX : CAPTURE ID : XXXX INDN : XXXX ID : XXXX WEB MTCN : XXXX Date available in receiver 's country : XXXX XXXX, 2016 Western Union took the money out of my XXXX XXXX XXXX account and held it for 7 days. Today is XXXX/XXXX/16 and they are still holding the funds without contacting me. I contacted them online and by email to request an immediate refund. They refuse to respond.
Product: Credit reporting or other personal consumer reports

I have been denied credit from XXXX since this year and since I filed my first dispute with Experian they refused to remove the inaccurate information I send the request to demand arbitration and no response arbitration was to be started XX/XX/2023 Experian removed one correct address on my credit report experian allowed the employee to create false addresses on my account linked off of accurate addresses I have been denied my right to apply for credit I have been in need of a new car since XXXX of 2023 Experian inaccurate information denied me my rights to use my credit I have contacted a lawyer today I have been denied credit line increase from the soft inquiries within the month of XXXX XXXX and 6 months prior I want financial compensation for my ongoing pain and suffering and not being able to use my credit as needed I want this company fined as well I have no student loans as stated by Experian my dept is not XXXX dollars as listed on this credit report its been over 10 months
Product: Checking or savings account

I am writing to file a formal complaint against BMO Harris Bank regarding deceptive practices related to a promotional offer for a checking account. 

On XX/XX/2023, I opened a BMO Harris checking account at a branch location with the assistance of a banker. The incentive for opening the account was a promotional offer promising a {$400.00} bonus if I fulfilled two criteria : making 10 debit card purchases and depositing {$4000.00} for a minimum of 120 days. 

Upon opening the account, I deposited {$200.00} in cash. It took me approximately one week to set up an ACH transfer to deposit the remaining {$4000.00}, which occurred on XX/XX/2023, bringing my account balance to {$4200.00}. Subsequently, I made two withdrawals totaling {$25.00}, resulting in a balance of {$4100.00}. 

After the designated four-month period, BMO Harris Bank refused XXXX honor the promised bonus. Their initial reasoning was that there was no promo code attached to my account, despite my providing evidence to the contrary in the form of an email screenshot. They then claimed I was ineligible for the bonus due to having received a recent personal account bonus, despite the promotional terms specifically referencing business accounts. 

Finally, BMO Harris Bank asserted that my average balance fell short of the requirement, citing the delay in setting up the ACH transfer. While technically accurate, this condition was not clearly communicated in the terms of the offer, and I had assumed a grace period for funding the account, as is common practice with other banks.

I believe these actions by BMO Harris Bank to be deceptive and in violation of fair banking practices. I respectfully request an investigation into this matter and appropriate action to rectify the situation. 

Thank you for your attention to this matter.
Product: Credit card or prepaid card

I write to dispute {$32.00} in late charges ( fees and interest ) that Department Stores National Bank, as issuer of my Macys American Express Card, ending in XXXX, assessed against me in XX/XX/2020. 

I opened the card in question on or about XX/XX/2020 and made one charge on that date. My wife paid the corresponding XXXX invoice in full. She mailed the check on or before the due date but, according to the issuer, the payment was not received until a few days later. For that minor delay, the issuer imposed {$32.00} in late charges on an invoice of {$150.00} a penalty of nearly 21 % for a bill that was paid in full. 

I attempted on numerous occasions to communicate with the issuer, by phone and by e-mail, without success. My e-mails have not been returned. And my phone calls resulted in recorded messages saying that no representatives were available and either asking me to call back at a different time or providing unacceptably long hold/wait times. 

Because my efforts to reach a human being were not successful, and to avoid the assessment of further penalties, I paid the late charges under protest, while continuing to request that the charges be removed and the amount I had now paid credited back to me. I have received no response, despite the passage of multiple weeks. 

As a result, I have sent a letter to the issuer, bearing today 's date, directing it to cancel my card immediately. I also advised the issuer that I would be filing a complaint with this Bureau. 

I request two forms of relief : ( 1 ) credit in full for all fees and interest charged in or after XX/XX/2020 ; and ( 2 ) immediate cancellation of the disputed card.
Product: Payday loan, title loan, personal loan, or advance loan

The name of the company is MOSAIC. Their XXXX XXXX XXXX XXXX XXXX AZ XXXX I had work done on my house 2 years ago for about {$25000.00}. I pay the bill on time on their website : XXXXmosiacXXXX their phone number is : XXXX. I usually pay 2 days in advance, sometimes several days earlier. The Payment is due on the XXXX each month. If payment is 10 days late its {$10.00} fee. On XX/XX/XXXX at XXXX I paid the bill but the system read that it would not be available as it would be down for maintenance. I immediately paid the bill at that time. On Sunday I went on line again and their website said I hadn't paid my bill and was a day late. several times while on the website required me to acknowledge that I was aware the XX/XX/XXXX maintenance was over, I paid the bill again thinking that the maintenance must have wiped my payment On Monday I went on line again and the website said I was two days late on my payment so I went to the payment portion and although of my payment history it showed I made a payment on XX/XX/XXXX and on XX/XX/XXXX. I went to my bank and neither payment was listed as pending, I called the company ( Mosaic ) and asked them to stop the second payment. The woman put me on hold and said her supervisor said they wont do that but after they receive it I can ask for a refund which takes about 30 days to send a check. They recommended that i just leave as the next months payment. Finally the lady said it was up to my bank to reverse it so I did that, now Mosaic charged me a {$10.00} fee. I think the fee is inappropriate especially since their delay cost me a {$35.00} late fee on my XXXX XXXX  because I was over 5 days late paying my bill as my bank account was overdrawn from the overdraft caused by the double XXXX payment Mosaic improperly charged me their lying website that should have informed that my payment was pending, not late!
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am filing this complaint for the SECOND time because upon my research it appears that XXXX is furnishing invalid, inaccurate, unauthorized, and unverifiable information on without written consent. I have wrote to courts and pacer and i have proof that each one of the do not provide information to third parties companies such as XXXX. XXXX XXXX promotes fishing bankruptcies on XXXX which is a third party who search for information and sells this consumers information without written consent. By reporting this information it has terribly harmed my ability to obtain credit and caused great harm to financial well being. I demand that this information based on the my permission. XXXX provides inaccurate unauthorized and unverifiable information on companies Verified and Unverified consumer reporting list. I have attached my supporting documentation to this complaint. I demand this information be deleted immediately from my profile on your verified and your unverified consumer reports, By reporting this information you are in violation of multiple consumer laws in including privacy law *15 USC SEC *** ( a 4 ) *15 US Code** b Permissible purpose of consumer reports *15USC*** a ( e ) Investigative consumer report by the provisions By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from report immediately. It is my understanding that you will recheck these items, and remove immediately
Product: Debt collection

I am receiving mail for debt that was never mine but rather the responsibility of my XXXX  insurance company. The error has been corrected, but I am still receiving harassing mail from third parties I have no business with. The latest is Credit Collection Services - XXXX XXXX XXXX, XXXX, ma.
Product: Checking or savings account

On XX/XX/XXXX I was a victim of fraud. I had someone get all my personal information through my phone somehow and someone hacked and stole money from my banking account. On this day I did make a ATM deposit and move money from one account to the other. After researching ... Im not sure exactly how these people did this but they set up an account on a platform with XXXX using all of my information. When bank had call me to confirm a code that was sent to my phone and I did so not knowing what it actually was. I was thinking it was regarding my recent deposit and money moving I made earlier. So I read back the numbers. Unknowingly authorizing the transactions. I was not aware as to what I was doing in this situation as this has never happened to me in this way. Usually the card would be shut off and put on hold and Id get text message that were detailed and I would confirm. There were 10 transactions ( {$16000.00} ) and 3 went through ( {$4400.00} ). Every rep at BOA I have spoken with can clearly see this was fraud, these people are from a different country and tried multiple times on my account and ultimately did end up with some of my money. I did notice the pending charges late that evening when I logged onto my app. The banks were closed this day for XXXX XXXX, I couldnt get them to stop the pending charges. I called them as soon as they opened and told them that this was not me and to stop all these transactions. They couldnt do anything to stop them they told me. I reached out to XXXX ( only through email ) and they tell me that all their transactions are final. I have pleaded with the bank and open a claim and it was denied 3 times. I dont know what else to do, I need some help.
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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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: Debt collection

Account XXXX in the amount {$1200.00} is being falsely reported. The creditor has called numerous times trying to collect the debt and has failed to provide me with validation of the debt. XXXX, Experian, and XXXX are also contradicting what is being reported which has concluded that they have also failed to validate the debt. This is being reported as a " revolving '', " closed '', and a " charge-off '' account.