23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

The prepaid card that is giving me issues is XXXX. They blocked my card 3 times!!!! And promised me that I wouldnt have the issue again after the first time. I had to miss work because all of my money is on my card I could not feed my daughter or put gas in my car 3 days in a row. My missed days from work is Thursday XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. Also XXXX $ late fee has been added to my rent because it was late because I could Not get the money order because my card was block. I have documentation on the 3 times that my card was blocked, the three times that it was U blocked being promised that the issue was fixed along with my pay rate for 8 hour day for two days and my late fee for my rent I would like to be REIMBURST for all the money that was messed up due to THIS COMPANY and I am canceling after my Last direct deposit! I also have recorded conversation with the XXXX employee reassuring me that it wont happen again! But it did
Product: Mortgage

On XX/XX/XXXX I submitted a letter to my mortgage company requesting the removal of PMI due to me reaching 20 % equity in my home. On XX/XX/XXXX a home inspection was performed by the mortgage company and paid for by me to assess the value of my home. I receive numerous emails from the mortgage company indicating the " new value '' of my home is {$390000.00}. My current mortgage balance is {$230000.00}, resulting in an LTV ratio of around 60 % ( or 40 % equity ). Despite this, the mortgage company continues to deduct PMI from my escrow account every month. I reached out to the mortgage company on XX/XX/XXXX seeking explanation of the status of the removal of my PMI payments. I received no response from the mortgage company and PMI continues to be deducted every month form my escrow account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX, CA XXXX, XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$3300.00}
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX California XX/XX/ Re : Unauthorized Credit Inquiry To Whom it May Concern, I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my credit file unless I have authorized it. Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit.

I have sent this letter certified mail because I need your prompt response to this issue.

Please be so kind as to fonvard me documentation that you've had the unauthorized inquiry removed.

If you find that I am remiss, and you do have my authorization to inquire into my credit report. then please send me proof of this. Otherwise, please note that I am reserving the right to take civil action if necessary. 
Thank you, XXXX XXXX
Product: Mortgage

XXXX XXXX XXXX, XXXX represented XXXX and XXXX XXXX in regards to their residential refinance. On the date of the funding ( XXXX XXXX ) we sent her payoff funds to XXXX XXXX, these funds on the payoff were good through XXXX XXXX. On XXXX XXXX ( 4 business days later ) we received a call from them saying this payoff was short. At that time the clients received called from them ( XXXX XXXX XXXX as well we received the following amounts from them advising us on the amount needed to get this mortgage paid off, the amounts were : {$1100.00}, {$190.00}, {$1100.00} and then the full amount of {$100000.00}. Once this was resolved over an hour phone conference with XXXX XXXX XXXX. # XXXX XXXX, our mutual client tried to pay this amount over the phone. We were told that XXXX XXXX can not accept payments over the phone and will only take certified funds to this short payoff. The client then followed the instructions and sent them via Fed Ex ( Tracking Number : XXXX XXXX the certified check in the amount of {$1100.00}. They stated that once this was received the account would be paid in full. Now fast forward to today, ( XXXX XXXX ) Our office received a check from XXXX XXXX in the amount of {$100000.00} regarding the amount that our office sent them back on XXXX XXXX. We are now back to square one. I have to now deposit this check and wire these funds back to them. I am concerned for the client that they are going to try to post late fees and this is going to be an on going process. The representative I spoke to now XXXX XXXX stated he has no notes in the system on the conversations over the past few weeks and will look into the employees that we spoke to so we can get this resolved. I feel immediate action needs to be done with this company. When this was going on even the employee XXXX was very sorry about this and stated to me that this happens all the time and they get a lot of complaints from people when they try to payoff their mortgages.
Product: Credit reporting or other personal consumer reports

I see that XXXX, Equifax, and XXXX are reporting XXXX XXXX  XXXX XXXX somewhat negatively on my consumer reports without my consent. I have attempted months ago prior to this complaint to call and send in a letter stating that Per the FCRA as a federal protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. I still see that it is on my report even when it shouldn't have been to begin with considering I never gave permission or written consent to report this on my credit report. Under the Privacy Act of 1974 it clearly states, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. Also, 15 USC 1681b states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. According to the Fair Credit Reporting Act 15 USC 1681a-4, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. XXXX, XXXX, and Equifax are all consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information ''. Also, I see a lot of transaction history being reported including the high utilization that's being reported but according to 15 USC 1681a-exclusions, report containing information solely as to transactions or experiences between the consumer and the person making the report. Then 16 CFR 313 - Privacy of Consumer Financial Information, helps back my point that all the transaction history is illegal to report and should not be reported on my credit reporting 's from what 15 USC 1681a section states. Every company in their agreements with consumers said they would follow the law and agreed to do so. They are aware that they are breaking the law and continue to do so daily with prior knowledge of the law they agreed to uphold for the benefit of the consumers and to not undermine the public confidence which is essential to the continued functioning of the banking system according to 15 USC 1681a-1.15 USC 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Equifax, and XXXX are not maintaining reasonable procedures.
Product: Debt collection

Select portfolio, XXXXXXXX XXXX, and their legal team are in a world of trouble. An investigation its on the way surrounding public corruption by the XXXX XXXX XXXX Florida ( DOJ ). On XX/XX/XXXX, my legal counsel filed motion for summary judgment against the bank. We argued in ur motion that the bank failed to pay the required intangible & stamps on the loan modification containing ( new money ) and therefore are barred by Fla. Stat. 201.08 ( 1 ) ( b ), 199.282 ( 4 ), from having any enforceability in any court room in this state. Select portfolio did the unthinkable and recorded the instrument illegally on XX/XX/XXXX. XXXX ( Recorder ) will not accept loan modification that are not notarized. XXXX requires the original document for filling. The instrument reveals it was not notarized therefore can not be original but a copy. You have engaged in corruption with the XXXX XXXX which warrants a CRIMINAL INVESTIGATION INTO YOUR ORGANIZATION BY THE DOJ. " No good deed goes unpunished '' don't ever forget that. Whom ever participated may face criminal indictments that includes your lawyer. 

Your lawyer should also know that they opened a can of worms. A mortgage fraud investigator has reveal to the DOJ and the Florida Department of Revenue that billions are owed in intangible & stamps on loan modifications containing ( new Money ) that were never recorded which means that states across the United States are losing millions since XXXX by these financial institutions. he just made a bid to the DOJ to pay a visit with regulators at your places of business and review loan medications since XXXX and forward. Among the list : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, Select Portfolio and others. 

XXXX executives, I am speaking directly at you ... .and you should know that the mortgage fraud investigator who revealed the unlawful recording of the instrument in this case, is the same investigator that was involves in the case of XXXX XXXX XXXX XXXX XXXX XXXX which you lost to the XXXX XXXX court of appeals case no. XXXX. He is fully aware that you refiled the foreclosure action. He is going to reveal how you engaged in a forgery.
Product: Credit reporting or other personal consumer reports

I was told by XXXX that if i pay XXXX i would settle this account and come today after i paid XXXX its now showing that i still Owe a balance when it was supposed to show paid and Now they are asking me to pay more which isnt fair
Product: Credit card

Bank of America has twice denied my claim for fraud. On XX/XX/year> I opened my XXXX computer to find all my emails were gone. I had been away for a month and was concerned. I used XXXX to find the number for XXXX Customer Care, XXXX, and called it. It was the first number that came up on XXXX. A man answered " XXXX Customer Care '' and I told him about the emails. He said he would take care of that but first told me I had been hacked and he was going to reverse all the charges that were made. I paniced. He had me download a screen sharing app which I have done hundreds of times with XXXX Customer Service and took control of my XXXX while I watched him do transactions that I had no idea he was doing. I finally realized I wasn't talking to an XXXX XXXX XXXX and hung up and deleted the screen sharing app but the damage was done. I immediately called Bank of America to stop my debit and credit card as they had hacked both accts using XXXX XXXX which I hadn't heard of or ever used before. I went to their office and filed a claim which has been denied twice. I am XXXX years old, retired with a credit rating of XXXX and on a fixed income. The scammers took {$1100.00} from my checking account and {$3400.00} from my credit card plus fees for transfering for a Total of {$4500.00}. See attached claim denials.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$550.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$750.00} ; XXXX XXXX XXXX XXXX Creditor : XXXX XXXX  ) XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$630.00} ; 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
Product: Debt collection

My credit report had now been severely damaged due to false claims of money owed to a wireless company and a utility company being added to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated my account was properly investigation but how is that possible if the open date is wrong, the last date active is wrong, and last date is not accurate. This is ground for removal and my rights were violated under the law 's.

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

I have previously contacted the bank about this issue, but have received no response and my question has been ignored. This is completely unacceptable. I asked the bank how I can remove my PMI from my mortgage payment. I was told that I would have to pay {$150.00} for them to evaluate my property and it can be taken off. I sent a check for {$150.00} as soon as possible and the check was processed and cashed by the bank. 
After complaints to CFPB, the XXXX told me that I was late on a payment in XX/XX/2020. This is inaccurate, I made a payment for the exact amount that was sent to me on my paper bill. I have had a bankruptcy in XX/XX/2020 and the bank closed my online mortgage information so I had no way to know that they changed the amount due between sending me the paper bill and the date of the payment. The bottom line is that I made a payment, the bank reversed it due to no fault of my own and blamed me for not making a payment. After a few complaints and XXXX  months, the bank returned to me and are claiming now that I made a bad check payment in XXXX, when I never paid by check and paid by transfer from my Bank of America account. They held the transferred money from XX/XX/2020 to XX/XX/XXXX when the XXXX returned an escrow shortage to my account and are blaming me for not making a payment, which I made and the bank themselves returned it. Now, they are blaming me for a bad check that was never done. They are doing everything they can to sabotage my mortgage and make it more difficult to pay. The bank representative that was assigned to my case, XXXX XXXX, acts extremely rude and constantly hangs up the phone on me whenever I ask for an explanation. The bank is also holding onto the {$150.00} that I paid for the removal of PMI and are forcing me to pay it every month because no one is investigating this issue. 
I have ALL documents showing the events that happened but the XXXX  refuses to look at them because I wholeheartedly believe they are deliberately sabotaging my account. That's why XXXX XXXX hangs up on me anytime I ask a question and refuses to say anything other than blaming me for their own mistakes. I am not receiving any customer service from this bank at all and I do not understand why only ONE single person in the bank is making all these decisions when she obviously has a personal focus on me and is deliberately doing everything to ignore any evidence I submit regarding the bank 's request. I would like somebody else in the bank to investigate the issue and make the right decision because XXXX XXXX is refusing to work on this issue and it has come to the point where she just hangs up on me whenever I ask a question. This is completely unacceptable and I would also like to ask the bank why only a single person that refuses to do anything over XXXX  months is making every single decision when she is clearly not treating me equal to the other bank customers. 
I am attaching the statements which Bank of America refuses to look at, including the mortgage bill that they sent me and the total amount paid. I paid the exact amount on the bill and if the XXXX printed the wrong amount that is not my fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple disputes in regarding misleading/inaccurate items on my report. I recently found out my information was compromised in the XXXX data breach. Now more than ever I feel my information has fallen into the wrong hands. After doing extensive research I saw it is illegal per FCRA Section 807 to report inaccurate items. Im reaching out to hopefully get a repose this time. It has been over 60 days with no response regarding this invalid items.
Product: Debt collection

Currently I am in the process of buying a new home. So once my credit report was pulled, it was revealed to me that I had XXXX medical bills in my name stemming from XXXX of XXXX. I never went to the Hospital or the Doctor in XXXX. The name of the company is Commonweatlh Financial Systems, located in XXXX, PA. I have requested that they validate this debt, and I have disputed this with the credit bureaus. From my understanding XXXX XXXX sells your information to Commonwealth Financial and they report bogus information to your credit report. I do have XXXX XXXX XXXX cards. So this all makes sense. The amounts are for XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been sending letters to Experian about these items but I never got any response from them, I felt that I am being ignored and taken advantage. This isn't right.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Account number XXXX has violated my rights.15 U.S.C Section 602A states I have the right to privacy. 15 U.S.C Section 602A states a consumer reporting agency can not furnish an account without my written instruction in this case Equifax.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim XXXX XXXX XXXX  of Debt XXXX and would like for all listed accounts to be blocked and deleted company information from Experian and XXXX. 

Please delete the following accounts : XXXX  XXXX Account Number : XXXX Balance : {$3600.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account Number : XXXX Balance : {$3400.00}
Product: Credit card

In XXXX, I applied for an American Express Delta XXXX Credit Card ( having a XXXX XXXX yearly fee ). I applied because the Card offers many benefits and the Delta companion certificate was one of the benefits and the main reason. After a month I called Amex customer care to find out about the companion certificate, they said I'd be getting the certificate by the end of XXXX ( I am sure Amex would have the record of that conversation ). When I called them again, they said you won't get your companion certificate for your next renewal. See this is what it says " Companion Certificate Enjoy a Companion Certificate on First Class, Delta XXXX  or Main Cabin domestic, XXXX XXXX or XXXX XXXX roundtrip flights each year after renewal of your Card. * '' This information is very misleading, they should have mentioned that you will be eligible for the companion certificate after 1 year. We have been going through some challenges for the last few years, and we XXXX XXXX XXXX XXXX  a few months ago ( my wife was in her XXXX XXXX, and unfortunately her XXXX XXXX XXXX XXXX XXXX ). We thought of going on vacation before we started our next XXXX  cycle again so I applied this card. 

Thanks, XXXX XXXX