23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX we book an XXXX for a work trip, we get a confirmation number and check in instructions. Later that night we get a message from XXXX stating that unfortunately due to the lawsuit they are going through new world wide regulations have been applied and they cancelled our reservation. XXXX sent a refund with the bank, customer service advices we book through vrbo. 

We book a stay with vrbo, and on the XXXX of XXXX we noticed an unauthorized company charging our card XXXX XXXX Called vrbo and sent message notifying them that we do NOT consent to them sharing our private banking information. Received no answer, then we began getting text messages and calls from different numbers asking us to sign up and submit personal information and many spam emails. We were concerned and continued to contact vrbo with no answer. 

The day of the booking we arrive at an address that was not registered with vrbo, then we get a text from an unknown number with a different address and check in instructions. We contact vrbo they say they have no record of this address or phone number and they can not get ahold of the host or management company. We follow the checkin instructions and arrive at old unit that was completely destroyed furniture was broken, holes on the floor, countertops broken, no running water, and a roach infestation. We document everything with videos and pictures and immediately contact vrbo. They say they have no record of this property and no way to contact management, they apologize and say they have initiated a refund and will get us booked in a hotel near by while they work on the case number. After hours on the phone with vrbo they disconnect the call and we dont hear back from them. 

We attempt to call them send emails and messages and dont hear back. We then contact Bank of America to notify them of the fraudulent activity ask them to place a stop payment and process a dispute and temporary credit. Bank of America confirms this has been done they promise a same day credit and to place a stop payment. 

After the call with Bank of America we noticed the credit was NOT applied, we call back and Bank of America says sometimes it takes 24 hours for the credit to show. I inform them that I was promised a same day credit they tell me to wait until the morning and if credit is not showing up to call back and they will make sure to reapply. 

We check the account after 2 days the credit was not applied, I call back and Bank of America says they have no record of credit being applied or a stop payment being applied. They say there is no documentation regarding this, I then ask them to please pull the call they inform me that it will be done by management and provide me a case number and they would follow up as this had been escalated. 

After days of no resolution we dont hear back we call Bank of America they say there is no documentation of this being escalated and no notes on the account regarding this issue. We have spent countless hours explaining the situation being transferred to many departments and no resolutions.
Product: Debt collection

I have no contract with this company in regards to any debt owed.
Product: Debt collection

SOMEONE HAS REQUESTED INFORMATION FROM 'CAPITAL ONE BANK USA NA ' ON XX/XX/2016 IN MY NAME THAT IS NOT ME. THIS IS FRUAD!
Product: Mortgage

On XX/XX/2019, I requested to make a principal reduction and to have my mortgage modified. Regions accepted the payment, sent out the required paperwork which I signed and sent back by the due date but did not process a modification as they contracted and agreed to do. I received my XXXX statement that shows the payment amount unchanged. I question if this may be retaliatory action for the complaint that I filed XXXX or if it may be related to my husband being a service member which means they are unable to collect the standard modification fee. 

As you will see in my email, Regions was also misreporting information to the credit bureau. I asked for them to clear this up and am not sure if this was done either. Can you please help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

The Credit bureaus stated my accounts were properly investigated, but how is that possible if the open dates are inaccurate, account numbers are inaccurate, the date last active is inaccurate, and reported balances are inaccurate. 

The Credit bureaus claimed accounts have been verified, but have not provided proof or sent me the original documentation with my signature on it. According to the FCRA, any information that can not be 100 % verified, must be removed. 

The bureaus have violented cease and assist, and have also infringed on my right of primacy on multiple occasions, as well as taking more than 30 days to complete my investigations.

This ground for removal, they also violated my rights under : 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: Mortgage

Mortgage is in arrears in the amount of {$6400.00} as of XX/XX/2022. Applied for a FHA partial claim through Wells Fargo to bring the account current and continue his regular mortgage payments. 
Current terms are as listed below : APR : 2.875 % Term Maturity Date : XXXX/XXXX  Current monthly payment : {$860.00} According to Wells Fargo, FHA Partial Claim was denied, because there wasnt enough. The representative could not explain why there was not enough to cover an FHA Partial Claim. 
Wells Fargo cited that the investor approved a modification plan with the below terms. 
APR : 6.875 % Term Maturity Date : XXXX/XXXX/XXXX  New Proposed Monthly : {$1100.00} While the modification did offer to bring his FHA loan current, it increases principal and interest from {$450.00}, to {$780.00}. 
To some that doesnt seem like much. But to a 1 earner household income with a family of four, it creates an even harder struggle for my family. 

We need to re-evaluate how interest rates on modifications are handled. They should be offered the same rate as the original, extending the term and keeping the payments slightly more affordable for struggling low to moderate income households. 

So, now the bank can offer a modification that increases payment by {$330.00} a month adding almost two years to current term. So that is now 30 years of making an additional {$330.00} a month that I wasnt making before. 

We are kindly requesting that the Consumer Financial Protection Bureau look into this matter and assist.
Product: Debt collection

XX/XX/2018 Noticed this debt on my credit report XX/XX/2018 Called XXXX XXXX XXXX at XXXX and talked to " XXXX '' where I gave her my phone number, address and date of birth. She pulled up the debt, stated that it was from XXXX XXXX and informed me that the call was being recorded. Great! Since the amount was under 100.00 I asked that the debt could be settled for a 1/3 of the amount and removed from my credit report and written notification of such be mailed to me. Payment today to be done with the debt. She informed me that she was unable to negotiate. I asked to speak to her supervisor. A " XXXX XXXX '' came on the line. I informed him of my desire to settle the debt, and have it REMOVED from my credit report. I will settle for 1/3rd or 2/3rds of the amount owed and again have WRITTEN notification sent to me about the transaction. XXXX XXXX informed me that they do not send written notification, that I must pay the amount owed immediately or I will be charged more. I asked for a his supervisor, whom he says does not take phone calls. I mention to him that I was familiar with the Fair Debt Practices Law and you can't not MAIL me information about my debt, nor can the company increase my charges because I initiated a phone call. He was unwilling to change his statements. I asked for a transcript of our conversation and again was denied.
Product: Credit card or prepaid card

With my card ending in XXXX, Capital One credited my account for {$1400.00} that I am disputing then recharged me. They claim they sent a form out for me to fill out, but they did not. I never received a form. This is disputed because the company never sued or took care of the account which the {$1400.00} was submitted for. And they don't return phone calls.
Product: Student loan

I have been making qualifying payments on my student loans since XXXX. I was told the correct payment count was reflected on Mohela, but it is not reflecting the accurate payment count I have made to date. I am unable to reach them via email or phone in spite of numerous attempts.
Product: Debt collection

*CBA Violated/failed to respond per Texas finance 392.202. 
*Requested Debt Validation per Texas Finance code 392.202 on XX/XX/2019 and CBA treated my request as FDCPA ( The Fair Debt Collection Practices Act ).

Complaints, As of today XX/XX/19 CBA violated Texas Finance Code 392.202 1. CBA didn't provide the correct validation 2. Hasn't removed trade lines from all 3 credit bureau 's reports.

Please see the attachment for proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$460000.00} ; XXXX XXXX XXXX Balance Owed : {$470.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and transunion won't give credit report online, but  XXXX  did.
Product: Credit reporting or other personal consumer reports

I recently noticed late payments fr =om XXXX XXXX bank on my credit reports. Trans Union and XXXX XXXX XXXX  are in direct violation of my consumer rights. As a consumer I have the right to accurate credit reporting. I pay my car payments on time. TransUnion and XXXX XXXXXXXX XXXX  are also in violation of 15USC1681 - 15 USC 1681 b -15 USC 1681 { 2 } { a } { i }.

This company does not have written permission alone to report on my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Re : Social Security Number : XXXX To Whom It May Concern : This letter is a follow up to my original letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting. Specifically as it relates to unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Gentlemen, Please contact me regarding the fraudulent activity that I have reported numerous times to no avail. I have contacted XXXX XXXX, XXXX, Transunion, and XXXX and have disputed this multiple times, in which XXXX XXXX reports valid. This is not the case. 
I am requesting the recorded phone calls for training purposes be reviewed by your escalation liaison.
Product: Student loan

For years now , Navient k ept sending me bills that did not comport with what the representative ( usually not in this country ) was telling me over the phone when I called to ask why no amount was listed as due. The prior calls with other representatives gave contradictory information and I was told that I would received explanatory information in the mail. Nothing would ever come. As a person with a more-than full time job, I could not spend hours on the phone with representatives unable to clearly explain why interest, principal amounts and fees were being allocated in the manner that they were and then I would receive a bill that did not reflect what the representative told  me two w eeks or a month prior.   I inevitably got behind trusting that the representative was correct which then turned into additional fees, interests on top of capitalized interest and added to the principal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, this is a follow up with the prior complaints of Early Warning Services refusing to remove negative information that I am liable for, after submitting a police report they refuse to accept. Hers an additionally copy of the police report of the Id theft and an FTC report for identity theft. XXXX is refusing to remove this information and its crippling me, they are trolling me, refusing to accept legit literal documents, I will have no choice but to sue if I cant get help.
Product: Credit reporting or other personal consumer reports

I request the immediate removal of the unauthorized accounts from my credit report. I did not open or approve these accounts and have no knowledge of their origins. In compliance with USC 1681g, I formally request their deletion within 15 days. Enclosed are the necessary documents for your review. Additionally, different account details are being reported to each bureau, leading to inaccuracies.
Product: Debt collection

These are medical debts and should have been covered through public aide/government insurance. I've disputed this plenty of times and this is the only thing on my report these XXXX companies. I attached screenshots of the companies from XXXX XXXX  and you will see XXXX different scores for some reason and they have changed the name or something because the XXXX is new but I remember seeing these amounts before and I disputed and it was gone but it's back now
Product: Credit reporting or other personal consumer reports

Since XX/XX/XXXX, I've been trying to apply for apartments, and loans and getting denied. Unsure why, I went to check my credit reports from all three credit bureaus. Transunion said that my score was XXXX when it was really XXXX, XXXX claimed that my credit was 'young ' even though my oldest student dated from XXXX, and XXXX XXXX my name and old addresses and a social security number that isn't mine.
Product: Mortgage

On XX/XX/2021 my wife and I started a Fixed FHA Refinance with Rocket Mortgage our loan officer was XXXX XXXX. We stated to XXXX that we wanted to refinance but do you Covid 19 we had a lien from our current lender XXXX that was put at the end of our loan to be paid off when 1st mortgage is done. We specifically told XXXX that we need this lien included in this refinance to get rid of it. She assured us that it would get done. Meanwhile days/weeks go by and every time I see a document the {$15000.00} lien is not included and every time it wasnt included I reached out and asked why. XXXX stated dont worry it will be included soon just acknowledge everything and continue with process. I even made it a point to ask XXXX if I should hold on getting {$500.00} appraisal until the {$15000.00} lien shows up on our document and she said no and to go ahead and get appraisal so we did. Meanwhile Rocket Mortgage assigned us a Solutions Consultant named XXXX XXXX that was suppose to facilitate this stressful process but all XXXX did was continue the run around and find ways to circle around the {$15000.00} lien. I emailed and XXXX emailed XXXX the subordinate agreement that shows the {$15000.00} lien that needed to be combined to refinance twice! First time he acted like he never received it which was a lie because I have confirmation on XXXX/XXXX/XXXX  and it was uploaded by XXXX through Rocket Mortgage app 2nd week of XXXX. At the end of this entire stressful process XXXX nor XXXX included the lien in the entire refinance and looks like their plan from beginning which they never mentioned to us in any emails or verbal convos was to refinance the XXXX mortgage only and have the lien remain with XXXX and have us take care of that on our own which is not what we asked for since the beginning. I am a XXXX XXXX XXXX individual and ending result is my wife and I are out {$500.00} when it could been avoided at the beginning if XXXX did not trick us throughout the process and disclosed how lien would be handled. Note, I have plenty of emails to XXXX to justify that my wife and I needed the {$15000.00} lien to be added to Rocket Mortgage Refinance. Thank you
Product: Debt collection

frost Arnett is attempting to collect a debt with out sending validation, the invoices sent do not have any information that is correct nor do they have my signature. I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I  do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 
Please provide a breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me.
Product: Mortgage

I opened a mortgage with SWBC in XX/XX/XXXX and sold the property in XX/XX/XXXX. I had to pay the outstanding property taxes at closing. I am still awaiting refund of the paid taxes. I initially filed a complaint with the TX Dept of Savings and Mortgage Lending in XXXX XXXX after four months of dealing with SWBC and them raising my escrow amount due to " predicted '' property taxes increasing without a valid assessment by the tax collector and for them not paying my prior year property taxes in full. I was told by numerous SWBC customer support reps that they would abide by their Truth in Lending statement and charge me the lower mortgage payment but it never happened. Had they done so, we would not be in this predicament of overpaid taxes in the amount of {$6000.00}. 
I submitted another complaint after being told three different scenarios for getting my tax refunded. They responded to the state agency with a lie stating they had confirmed receipt of my tax refund on XX/XX/XXXX and would send the refund in 5-10 business days. We are now at business day 23 and I called 4 times in the last week ( their message states they will call back the next business day, another lie ) and was told tonight that their tax department does not have the refund and it could tax another 4-6 weeks. As you can see with the letters they sent ( attached ) only 4 days apart, it's not even close to the truth. How can you confirm receipt by check number on one day and then 4 days later state you don't have the refund? The document on XX/XX/XXXX was uploaded to my Documents Center on their website but the one dated XX/XX/XXXX was what was sent to the state regulators. An obvious attempt to lie to the state regulators.
Product: Debt collection

I am complaining this due to inaccuracy. The late remarks varies from bureau to bureau. I cant afford to have a late remark on my credit report because I am aiming for a good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

account paid off on XX/XX/2019. After reaching out to First Federal Credit Control, they assured that they took necessary steps to remove the account and suggested I dispute it with the bureau. After disputing the collection with the credit bureau, the results stated that the information was confirmed by the creditor to be accurately reporting. I reached out again to the creditor who advised it may take up to six months for the reported information to change, which I know to be inaccurate.
Product: Credit card or prepaid card

On XX/XX/XXXX, I called Capital One to request a replacement credit card as the chip on my card was worn and not reading at all merchants. On XX/XX/XXXX, I called Capital One as I had not received the replacement card and was told, that they had no record of my call. They further explained that whenever a customer calls for any reason and the account is opened, a notation is automatically placed in the file. 
I know for a fact that I placed the call on XX/XX/XXXX but no one seems to consider the possibility that a glitch occurred in their system. Plus, I  did not understand why the customer service agent did not request the card to be sent or made any notes herself in my record. I then spoke with a supervisor Named XXXX who did nothing. I asked for her supervisor and was told, she was as high as I could go. 
After our conversation, I checked my cell phone records and confirmed the 6 minute call to Capital One on XX/XX/XXXX, and the number called. On XX/XX/XXXX, I called again to alter someone to the issue and again, talked with another supervisor XXXX, asked for the phone to corporate to discuss with them and was denied any information. 
I am extremely concerned that Capital One is totally unconcerned about the lack on documentation in their system of my call and request for a new card. How many other calls have not been recorded? What if my card had been sent to an unknown person? This issue needs to be addressed with corporate, to pull the recorded call and discover the reason there is not documentation.