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

Despite no changes to my credit report, Experian dropped by score by XXXX points. When I submitted an online inquiry asking for a reason as nothing negative was showing up on my credit report, Experian replied that they could not provide me with an answer unless I paid for a membership. This sounds like blackmail.
Product: Mortgage

On XXXX/XXXX/XXXX we received mortgage servicer, Carrington Mortgage Services ', " HAMP Non-Approval Notice '' dated XXXX/XXXX/XXXX. Carrington Mortgage Services ' denial letter listed the reason for denial as " Application Discrepancy '' ; further described in their letter as " Reasonable evidence exists indicating that you submitted income or other information that is false and/or misleading in connection with your application for a loan modification under HAMP. '' On XXXX XXXX, XXXX, I contacted the assigned single point of contact, XXXX XXXX, for a more detailed explanation. He explained that during a XX/XX/XXXX Carrington Mortgage modification review, the borrower hand wrote his unit number on his paystubs and that due to this, Carrington Mortgage now had reasonable evidence that the loan modification documents provided for this XX/XX/XXXX modification review are fraudulent. I advised XXXX XXXX the same information that was advised back in XX/XX/XXXX, that the borrower hand wrote his unit number " XXXX '' on his paystubs because it was incorrectly represented as unit " XXXX. '' The borrower did not intent to mislead or misrepresent information ; he simply wanted to correct a clerical error on his paystubs and did not anticipate the simple correction to be taken as fraud. 
XXXX XXXX advised that a written appeal letter together with a cellphone bill, internet bill or cable bill as further proof of residency, would prompt a review and if documents are deemed acceptable -- a re-opening of the currently closed XX/XX/XXXX HAMP loan modification review. 
Therefore, on XXXX/XXXX/XXXX, we sent Carrington Mortgage an appeal letter along with a XXXX cell phone bill dated XXXX XXXX, XXXX, with XXXX XXXX 's address listed as : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Florida XXXX, as further proof of residency. 
On, XXXX/XXXX/XXXX, we received a " Non Approval Notice '' dated, XXXX/XXXX/XXXX, regarding our formal appeal letter dated XXXX/XXXX/XXXX. The letter stated Carrington Mortgage is unable to provide mortgage assistance because " Upon completion of the evaluation, CMS has determined that the documentation you have provided does not change the original denial disposition. '' On XXXX/XXXX/XXXX, I spoke with assigned single point of contact, XXXX XXXX, who stated the reason for the appeal denial was due to property inspections Carrington Mortgage performed which determined the property is tenant occupied and not borrower occupied.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX  profile is updated with showing my current credit utilization and recent payments for the month of XXXX, but XXXX  and TransUnion is not updating my two open accounts. The information is not changing and only staying the same. 

I am making payment and keeping my utilization low but TransUnion and XXXX  is failing at reporting my currents updates. They are not reporting or updating my profile like they should and how XXXX  is.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's agreed between me and 90 days credit experts that they ill fixe my credit in 90 days by adding XXXX points and remove all the negative wich they didn't did, then they asked me to nit apply for any credit and they went and opened a line of credit with Denefits on my behalf without my consent, I called before the 90 days to cancel and they did it on own purpose to not answer my call or my text until the XXXX past and now they come back and say I am under a contact they can't cancel it I do have some conversation saying I don't see any progress and I need to cancel and XXXX said I am waiting on the updated report I told her I already have one from XXXX XXXX they is no change and she didn't listen bc she was planning to lock me on the contract
Product: Student loan

Requested Covid refund XXXX XXXX. I can not consolidate until refund is received. Its been 5 months!!! 
WHERE IS IT?? 
WHEN WILL BALANCE DUE REFLECT REFUND?? 
How can I contact treasury dept regarding refund? I keep asking these why and NELNET keeps skating around the questions!! I NEED ANSWERS?!? SHERE IS MY MONEY?? Its been 5 months since requesting this refund?? IS THIS A SCAM? I can not consolidate until I receive this refund?!? NELNET IS TAKING ADVANTAGE OF ME ZND THE SITUATION! Where is my refund?????
Product: Credit reporting or other personal consumer reports

Dear XXXX, XXXX, and Experian, I hope this message finds you well. I am writing to follow up on previous disputes I've submitted regarding inaccurate information on my credit report. Enclosed are copies of the letters sent for your reference.

I previously submitted disputes for several items on my credit report that I believe to be inaccurate. These disputes were submitted to you over 60 days ago, outlining specific accounts and detailing the violations of my consumer rights due to inaccurate reporting.

Despite the stipulated period under the Fair Credit Reporting Act ( FCRA ) requiring an investigation and response within 30 days, I have not received any communication or resolution regarding these disputes.

As a consumer, I am concerned about the accuracy and fairness of my credit report. The lack of response is causing undue distress and affecting my financial well-being.

I kindly request an immediate and thorough investigation into the disputes I've raised. It's essential to rectify these inaccuracies promptly to ensure the integrity of my credit report.

I urge you to provide a detailed update on the status of these disputes and a resolution plan at your earliest convenience. Your prompt attention to this matter is greatly appreciated. 

Thank you for your immediate action on this pressing issue.
Product: Credit reporting or other personal consumer reports

Attention : Consumer Financial Protection Bureau ( CFPB ) Subject : Request for Assistance in Removing Unauthorized Hard Inquiries from My Credit Report Dear CFPB, I am writing to request your assistance in the removal of certain unauthorized hard inquiries from my Experian credit report. These inquiries were made without a permissible purpose as outlined in 15 U.S. Code 1681b and 15 U.S. Code 1681n of the Fair Credit Reporting Act ( FCRA ).

Upon reviewing my credit report, I found several hard inquiries that were made without my consent or for any legitimate purpose that qualifies under the FCRA. As per 15 U.S.C. 1681b, a consumer report may only be accessed under specific circumstances, such as for credit applications, employment screening, or other authorized purposes. The inquiries listed on my credit report fail to meet the permissible purpose requirements of the law and, therefore, are in violation of the FCRA. 
The inquiries in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX In accordance with 15 U.S. Code 1681n, I am requesting the removal of these unauthorized inquiries from my credit report due to their violation of the law.

I kindly ask that the CFPB investigate this matter and ensure the removal of these inquiries from my credit file with XXXX. Please confirm the actions taken and notify me once the necessary steps have been completed. I understand that the CFPB has the authority to address violations of the FCRA and request your intervention to resolve this issue. 

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Bureau Dispute Department Subject : Formal Dispute of Inaccurate Credit Reporting under FCRA Dear Credit Bureau Representative, I am formally disputing the inaccurate reporting of the account " XXXX XXXX '' ( Account No. XXXX ) on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., I demand an immediate investigation and removal of this erroneous account within five ( 5 ) days, or I will pursue legal damages under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance. Inaccuracies and Violations : Settled Account Still Showing a Write-Off The account is reported as " Paid in settlement '' with a " {$570.00} written off. '' Once settled, the balance should reflect as zero without a charge-off designation. This violates 15 U.S.C. 1681e ( b ), which mandates accurate reporting. Incorrect Payment History The payment history incorrectly lists " CO '' ( Charge-Off ) for multiple months in
2023,

even after the account was settled and closed. This misrepresentation affects my creditworthiness and violates FCRA guidelines. Unverified Debt and Reporting Beyond Closure No evidence has been provided to confirm Capital Ones right to continue reporting this account in its current inaccurate state. The status update in
XXXX  2023

should mean no further derogatory reporting is necessary. Hindrance t o My Financial Opportunities Due to these inaccuracies, I have been denied multiple credit opportunities, employment, and financial products. Under 15 U.S.C. 1681i ( a ), I demand the immediate deletion of this erroneous account. Resolution Demanded : Permanently remove this account from my credit report. Provide written confirmation of removal within five ( 5 ) days. Cease further reporting of this inaccurate information to avoid further legal liability. Failure to comply will result in legal action for damages under the FCRA, including statutory damages, attorney fees, and court costs. I expect a response within five ( 5 ) days from the receipt of this letter. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information XXXX XXXX is furnishing. 

ACCOUNT # -FULL ACCOUNT NUMBER NOT SHOWN ACCOUNT TYPE DETAIL- DIFFER FROM XXXX & EQUIFAX DATE OPENED-DATES DIFFER FROM XXXX & EQUIFAX BALACE- AMOUNT SHOWN AFTER ACCOUNT CHARGEOFF HIGH CREDIT- AMOUNT DIFFER FROM XXXX & EQUIFAX PAST DUE- AMOUNT SHOWN AFTER ACCOUNT CHARGEOFF LAST REPORTED- DIFFER FROM XXXX & EQUIFAX DATE LAST ACTIVE- DIFFER FROM XXXX & EQUIFAX DATE OF LAST PAYMENT- DIFFER FROM XXXX & EQUIFAX PAYMENT HISTORY- DIFFER FROM XXXX & EQUIFAX XXXX XXXX was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that XXXX XXXX complied with this requirement.
Product: Vehicle loan or lease

I have setup autopay with XXXX XXXX. XXXX XXXX, recently transferred their loans to XXXX XXXX and I had to figure this out on my own before I could make payments. Unfortunately, I have been delinquent for over 30 days since I did not know my autopay has been terminated. 

I have only received one letter from XXXX XXXX on XX/XX/2017 and two phone calls ( last week and XX/XX/XXXX ) with no description of their service other than to call a number.
Product: Checking or savings account

one day I realized I had around {$1000.00} missing from my checking account when I went to withdraw from the atm and noticed my balance was significantly down, I then realized from a period of 2 weeks I had close to {$1700.00} stolen from my account. 

I contacted bank of America the following business day and I received a letter from them about a week later telling me that it was not fraud. 

I received a letter stating that my claim was denied for fraudulent charges made between XX/XX/XXXX and XX/XX/XXXX for the amount of {$1700.00}. 

Bank of America believed these charges were legitimate and did not follow typical fraud patterns, I was given a few reasons. 

-Waited too long to stop transactions on the card -Fraud cases typically involve draining the account ( which did not happen in this case ) -Logged in multiple times while these transactions were taking place ( without noticing anything unusual or made any attempt to stop these transactions ) -No repeated attempts after I closed the account ( no declined transactions after i found out ) Most the reasons above are pretty faulty and can each have their own reasons. As a customer for almost 3 years, I feel that the above are not acceptable reasons for denying my claim. This is an unfair denial of my claim, Bank america is claiming that I should have noticed unusual activity on my account from the beginning, but I believe its difficult to notice $ XXXX transactions on your account when you have XXXX , I immediately noticed the charges when I seen there was {$1000.00} missing. bank of America claims fraudsters typically wipe out accounts, but this can not possibly be all cases. I just don't get that. 

the reason I am mainly writing this complaint is because bank of America has not even gave me any explanation on what these charges were for. its been over a month since I called them and they have not told me what these charges were for. its kind of scary. 

they were all international charges, starting in small amounts, of {$100.00} and gradually increasing to {$300.00} then the last charges were for {$500.00}. I was also charged for international fees. which totaled to {$1700.00} Furthermore, I was not provided any detail regarding the nature of these transactions. Did boa make an attempt to contact the merchant? Did the merchant contact them back explaining what the purchases were? There was literally zero information on what goods or services were purchased.
Product: Consumer Loan

BMW Financial Services is inaccurately reporting a repossession that occurred XX/XX/XXXX. I have spoken with them, written them letters, and XXXX has also called them. At first I thought this was an honest mistake on their part, however, this has gotten worse after I filed a complaint with CFPB XX/XX/XXXX. In fact that lady I spoke with XXXX XXXX brought up the complaint. At this point I believe that they are re-aging the debt in an attempt to collect it. This is in violation of the FCRA. Please see the letters and my credit report that has showed the continue to do this.
Product: Credit reporting or other personal consumer reports

Experian Credit report documents an unknown Social Security # ending in XXXX that does not belong to this account. or myself.
Product: Checking or savings account

A checking account was opened ( online ) at TD Bank using my name and personal data. I found out about the new checking account that had been created through an email from TD Bank stating that an accounts was created " TD Complete Checking '' with account number XXXX. 

I went into the local TD Bank XXXX, PA where I talked with the manager and whom I guess closed the account. 

I do not know how or why a bank would allow the creation of a checking account without seeing the person creating the account and a deposit for the checking account. Apparently they had my personal information including my SS #.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a  XXXX  discharged bankruptcy on my credit report that is not mine. I have never filed for bankruptcy. I sent disputes in writing on  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX  to address this issue. The case number is :  XXXX .
Product: Debt collection

This company ( Account resolution corp ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.

Ive conducted some research on this company and in the state of Texas this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Texas. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Texas Department of Financial Institutions is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.

Rescission of Contract '' Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office.

Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX : XXXX XXXX XXXX ). 
1. Validation of the debt ( i.e. the actual accounting showing <XXXX XXXX  XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ;
Product: Debt collection

I had opened a checking account with Bank of America a few years ago, and I had gotten a secured credit card. Unfortunately I had overdrawn the bank account, and my card went to collections. 

In XX/XX/XXXX, I went into a Bank of America location to pay both accounts off in full, in cash. Upon attempting to pay my debt in the branch for the secured credit card, they told me they were unable to accept my payment. They did however accept payment for my Checking account. 

I have been denied opening a checking account at a local credit union in XX/XX/XXXX. They told me to investigate with XXXX XXXX. 

I contacted XXXX XXXX, and Bank of America is not on my report, however, I was told by the branch manager, that the checking account from Bank of America was not showing paid. 

I have contacted Bank of America in an attempt to have documentation forwarded to myself and the local credit union. They told me that they were sending this documentation via fax to my credit I attempted to pay the debt in XX/XX/XXXX, and I feel that it should reflect that. I am paying the balance in full today, XX/XX/XXXX, as I have been informed by Bank of America 's collections department, that I CAN indeed pay in the branch. I was told that if I had any problems paying this debt, to contact Bank of America back at XXXX, and speak with a supervisor. Unfortunately the supervisor also told me they were unable to adjust the report to the credit bureaus. 

I feel that Bank of America has violated fair debt collection practices by refusing my payment in XX/XX/XXXX.
Product: Checking or savings account

My problem started about a little over 1 year ago when I opened my business account with Bank of America in XXXX XXXX. I was charge for so many late fees even and overdrafts every month. In the beginning of the month of the first month Ive tried really hard to keep my account balanced but the mobile app felt like the transaction keep my XXXX  out my balance as if it was moved around or some sort to make it seems like I charged double on my transactions. So I called the bank to get help with stopping some of the services I sign up to be a scam and they told me they couldnt do anything about stopping them from pulling from my account. I had told Bank of America that Im trying to apply for a loan so please I cant have my account go to Overdraft. This went on for months. My wife got desperate because our business was falling behind on funds for employment and inventory. She found some offers online and from her email saying they would approve us for a loan easy. So she was so happy to tell me that we would get approved but they needed our login and password to our banking account so they can put the money in. Well sure enough it was too good to be true. We never got the loan except we have given our info including social security number and accounts info to consolidating debt, lending tree, speedy cash, and services that would charge us XXXX percent on interested! Now Im here at my bank today. Trying to get control of my account because I had lost my phone number and I just.needed to verify its me with two government Id. Well guess what its been months and the bank doesnt care at all. Any minute my accounts could be have massive overdrafts or who knows what could happen. I just need access to my account and Im here in person. Please tell me whats going on because if I have many late fees. Obviously they wont waived it for me. Sigh I hope today is the day they explain to me why they are letting scammers for as long as they want and I cant do anything about it.
Product: Credit card

We have been using CITI banks XXXX percent cash back card for several months. Recently, we noticed a Fraudulent charge posted to our account, so we contacted CITI about it. They recommended shutting down the card and issuing us another card - which they did. We now are being told that it will take 2-3 billing cycles for them to post a temporary credit to our account. No other credit Card Company operates like this with unauthorized charges. It seems to us that CITI is postponing a temporary credit to our account in hopes we will still pay the Fraudulent charges. This is just not right. 
We have contacted them numerous times regarding this and have gotten conflicting information. In the meantime, we have deducted the Fraudulent charges from our payment. 

We feel CITI should be investigated for their poor customer service practices. 

We are considering ending our relationship with CITI.