23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In the course of my 11 years having a mortgage with Bank of America, the bank has looked for every way under the sun to continue to unfairly collect escrow payments for my homeowners and flood insurance. Over 2 years ago, I requested that taxes and insurance be removed from escrow, and XX/XX/XXXX, for the first time, I was able to directly pay my homeowners premium, flood insurance premium, and taxes. XX/XX/XXXX, I received a bill from XXXX for my XXXX FEMA flood certificate, which I, directly, paid in full on XX/XX/XXXX, renewing my coverage a full month before it was due to expire on XX/XX/XXXX. One week later, BofA called my insurance agent stating that I had a gap in flood coverage and they needed proof of insurance. My agent sent proof of insurance twice. Note that at the time of their query, my XX/XX/XXXX policy was STILL in effect, and I had already paid my XX/XX/XXXX renewal premium. On XX/XX/XXXX, XXXX issued me a refund check for the cost of the premium I paid, stating it was a duplicate payment. BofA did not notify me that they had sought & paid for coverage from XXXX on my behalf, nor did they inform me how much coverage was purchased, nor at what price. BofA later issued a letter to me stating that I now owe an additional {$210.00} per month escrow to cover the cost of the Foremost coverage. The coverage I directly purchased cost only {$1300.00} in total, or about {$110.00} per month. The letter still did not explain to me the details of the coverage BofA purchased on my behalf. 
Over the course of 3 years, I have now twice been wrongly charged for insurace gaps BofA claimed I had in coverage. In the first occurrence XX/XX/XXXX, I refused to pay the additional escrow until the dispute was settled. BofA collections began to call me - a 10 year customer at the time, with not one single late payment on my record - and aggressively threaten to ruin my credit over a dispute of less than {$100.00}. This most recent occurrence is the most deceptive attempt to retain my money in escrow for their use. I have worked with at least XXXX other mortgage providers in the last 17 years of home and investment property ownership, and BofA is the only one to have employed such blatantly deceptive and aggressive tactics to take more of my money for their use.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. I had several transactions that were not taken care, And despite reporting these Discrepancies to both Zell and my financial institution. I was turned around and told that theres nothing that either one of them can do. That neither Zelle, nor my financial institution is now responsible for my lost funds. I unfortunately lost thousands of dollars on three different transactions, of one of which I will post with photos showing proof. I hope in the light of all this, I myself and others will be able to receive compensation for what we have lost.
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation took more than 30 days and nothing was changed... attached is a copy of my credit report from XXXXXXXX XXXX XXXX that clearly shows misleading, incorrect, inaccurate information that needs to be deleted immediately... EVIDENCE IS IN XXXX AND WHITE, STOP VIOLATING MY RIGHTS AND DELETE IT IMMEDIATELY!!
Product: Credit card or prepaid card

XX/XX/XXXX. Travel company issue a credit back to credit card because we canceled trip. Amt= {$1600.00} XX/XX/XXXX. I called to request a credit refund. They said they will send a refund check to my address. 
XX/XX/XXXX Its been 2 months and I haven't received the check. I called company on this date. They said the check was already cashed. I told them i never receive the check. 
XX/XX/XXXX. I received a formal letter stating that the check was already cashed. I told them that I never received check and for them to open an investigation. 
XX/XX/XXXX. Called back to ask for status. No one can give me any info. 
Receive documents for me to sign and notarized to state that I never received the check. sent documents back to card company. 
XX/XX/XXXX. called back for status of case. They said the " they are suppose to hear back from bank in next day ''. And I should hear from them shortly. Never heard back from anyone. 
XX/XX/XXXX. called back for status and was given a phone number of Fraud department for me to call. 
XX/XX/XXXX. called the fraud department number but is was a non-working phone number. called back the regular Fidelity customer service line. and was told a supervisor will call me in 24 hours.

I still haven't heard back from card company. Its been 6 months and they are not doing anything to return my credit card refund.
Product: Credit reporting or other personal consumer reports

I reviewed my Equifax credit report, and found inquiries listed from creditors whom I did not request credit from. The dates and companies are as follows : XXXX XX/XX/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 I contacted each company on Wednesday XX/XX/2023 to inform them that I was not the person who inquired about or applied for credit with them. Each company informed me that I needed to contact the credit bureau ( s ) to submit a dispute. I contacted Equifax on Wednesday XX/XX/2023 at approximately XXXX. XXXX. I was informed by the Equifax representative, that I must fill out a complaint with the FTC and/or the CFPB. I am requesting an investigation into this matter, and immediate removal of the above mentioned inquiries from my Equifax credit report.
Product: Debt collection

XX/XX/2023 check for {$28.00} at XXXX refused payment by XXXXXXXX XXXX. I was never notified and XXXX does not keep a record it ever transpired. XXXX never notified me nor did their collection vendor Certigy. Upon visit to store attempted check pay was denied. I was given paper advised call Certegy to pay. Upon contactcwas advised they would redeposit in a day or two. They never did. Follow up at store with XXXX advised call XXXX XXXX XXXX XXXX. They sent me to their XXXX XXXX who sent me back to XXXX XXXX who sent me back to Certegy. After a half dozen failed attempts I contacted the XXXX XXXX XXXX and we repeated the process. Attelps once again failed. Contacted store. She sent an email to corporate who's job to collect returned checks. They said call certify but she never ressponded. I then recieved Debt Collector notice they bought debt! I called store and spoke to XXXX XXXX. He is trying to assist. I then notified him I was calling debt collector to cease. SENT to answer machine. I left message AND IN FO to CEASE and DESIST notice. They do not provide any acknowledgement of receipt. Waiting on feedback from XXXX.
Product: Debt collection

I have a debt collection on my XXXX  credit scores for XXXX dollars and the debt is not mine from ic system inc
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ) specifically cash app failed to take timely in effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their disput resolution process was unfair and deceptive as they did not comply with error situation requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience in financial loss and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report to apply for a mortgage loan and I found several errors on it due to identity theft. I contacted the XXXX, XXXX, Equifax and wrote letters challenging the inaccuracies of the fraudulent accounts. All three credit reporting agencies sent me a letter stating that the accounts were verified. However, they did not provide any proof or send me any original documents with my signatures on them verifying that the accounts in fact belonged to me. I also sent out more letters requesting that XXXX   XXXX, and Equifax send me the original documents again and never received the any legible proof. This has been an on going situation for almost 90 days now. I need these issues resolved immediately.
Product: Credit reporting, credit repair services, 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. 

XXXX  # XXXX has violated my rights. 

Creditor. Date XXXX XXXXXX/XX/XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XX/XX/XXXX Have violated my rights. 

15 U.S.C 1681 section 602 A. States 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federaly protected consumer rights to privacy confidentiality Under 15 USC 1681. 

ACCOUNT NAME # XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXXXXXX XXXX XXXX # XXXX HAS Violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish an account without 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 conviction of crimes which antedates The report by more than seven years.

15 U.S.C 1681s2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I received a letter over the XXXX holidays for an amount I owed my medical provider in XXXX. The total amount seems suspicious and very low ( totals to less than {$100.00} ). But this debt collection company USCB America has added on {$2200.00} as additional and {$550.00} as interest! 

To my knowledge Ive paid all the bills correctly with my medical provider. 

In addition, they claim to begin collection activities within 10 days of receipt of the mail. Unfortunately that means that due to the holidays, it leaves me very little time to respond and investigate. 

Plus, adding XXXX dollars to a XXXX dollar debt seems ridiculous. Please help!
Product: Debt collection

Paramount Recovery Systems has reported an 2017 medical debt as a new debt. This debt was disputed and closed, complaint XXXX.
Product: Bank account or service

Harris Bank electronically deleted a good faith trade line from my credit bureau before the XXXX year law expiration date. After speaking with Harris Bank, BMO on several occasions, I was giving misleading information as to how my credit score plummeted due to Harris BMO deleting a good faith trade-line before the XXXX year law expiration. My score went down from a XXXX score to the low to mid XXXX 's. I would like the trade-line reinserted by the creditor to protect my fair credit rights. My fair credit rights were violated according to the law. Harris Bank, BMO is fully aware of their actions. The initial trade-line was deleted due to XXXX Credit Bureau sending in a frivolous dispute, which I attest to the fact I never disputed. XXXX has sense so far reinserted the trade-line. Unfortunately, XXXX, and XXXX who shared the data analysis from XXXX is not following suit. 
Harris Bank is refusing to reinsert the good faith trade-line, knowing my fair credit rights were violated. It was stated to me by a Harris Bank, BMO employee a carbon copy was shared amongst XXXX, XXXX and XXXX damaging my credit worthiness as well as my credit score. Please investigate this matter thoroughly. Additionally, sending supporting documents attached.
Product: Debt collection

It's been a year that I've been disputing this credit card off my credit report. The only response that I've been getting that it's verified. Well I want to know who verified it? Also I want to know were is my signature on the letter stating that I owe them. By law in 30-60 days if there is no response of proof stating that I owe them. It needs to be remove off my credit report! I am getting harass and I feel threatened for my life! I don't know anything about this account. Please remove it out of my life!!!!
Product: Credit reporting or other personal consumer reports

Disputed the fraudulent inaccurate accounts multiple times with supporting documents and they still refuse to investigate or give writing information on how they came up with their verified information with supporting documents. So I advised them with the FCRA 611-15USC 1681i LAW. Demanding proof or deletion immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE ATTEMPTED TO CONTACT THE THREE CREDIT COMPANIES AND THEY HAVE NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) they failed to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
Product: Credit card or prepaid card

On the XXXX of XXXX I call XXXX  XXXX XXXX money network and told them I lost my card deactivate it and they didnt and the person that took my card got money off of it
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  was charged off on the following XXXX Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account shouldn't include an active payment history. 
This inaccurate information falsely manipulates the statute of limitation. Please investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights, I am demanding a deletion of XXXX XXXX XXXX XXXX
Product: Checking or savings account

In XXXX of XXXX my account with Capitalone was frozen then closed. From calls I was able to ascertain that this happened because of a wire that was sent to me from XXXX XXXX. My company XXXX XXXX XXXX had been purchasing for the for some years, however in XXXX I allowed the company to become dissolved due to a dispute with a partner. As a result I no longer had access to the business account of XXXX XXXX XXXX but I continued to work with XXXX. They sent their wires in my personal name to my personal account, but for some reason in that transaction in XXXX they attached the old name of my business as well. 

Capitalone then froze the account and despite my calls to them would not speak about the matter citing their investigation into the matter. After several months of waiting, I finally managed to get some information and reference number for the case. They claimed they were waiting for a response from XXXX 's bank. XXXX denied any contact from their bank about this transaction. At this point on XX/XX/XXXX, I sent an email to the investigation unit of Capitalone, providing them documentation that I had formed the XXXX XXXX XXXX XXXX, as they said they were unable to find any evidence that I was affiliated with that business. I never received a response to my email but when I called back 2 weeks later I was informed that they had determined that they would return the funds to that sender. According to their records the money had been returned to the sender as of XX/XX/XXXX. 

To this day XX/XX/XXXX, XXXX has not had that payment returned to them. The amount of money, {$22000.00} is not insubstantial, and I had to take loans to keep my business commitments. But unless this money is released to myself or XXXX, this represents a significant loss that my business can not sustain.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Reinsertion of Previously Deleted Information in Credit Report Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the reinsertion of information that was previously deleted from my credit report. This action violates Section 611 ( B ) of the Fair Credit Reporting Act ( FCRA ), which clearly outlines the procedures and requirements for such reinsertion. 
Details of the Complaint 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 TRANSUNION deleted the following information from my credit report : was removed from your credit report. This deletion was based on removed account. 
XXXX XXXX XXXX XXXX Despite the clear provisions under Section 611 ( B ) of the FCRA XXXX which require a creditor or information furnisher to notify me in writing of their intent to reinsert any deleted information, I recently discovered that TRANSUNION has reinserted the previously deleted information mentioned above. However, I did not receive any prior written notice regarding this reinsertion. 
XXXX XXXX XXXX  This reinsertion has adversely affected my credit standing and financial reputation. It has potentially harmed my ability to obtain favorable terms on loans, credit cards, and other financial products. 
XXXX XXXX XXXX XXXX XXXX  In accordance with the FCRA, I request the following actions to be taken : XXXX. Conduct a thorough investigation into the reinsertion of the deleted information in my credit report. 
XXXX. Ensure that Transunion complies with the notification requirements outlined in Section 611 ( B ) of the FCRA. 
XXXX. Correct my credit report by removing the reinserted information promptly. 
XXXX XXXX XXXX XXXX  Enclosed with this complaint are copies of relevant documents, including : - Copies of correspondence with Transunion regarding the original deletion. 
- Copies of my current credit reports highlighting the reinserted information. 
- Any other supporting documents deemed necessary to investigate this matter. 
XXXX XXXX XXXX XXXX  Please feel free to contact me at the above address or by phone at XXXX should you require any further information or clarification regarding this complaint. 
I appreciate your prompt attention to this matter and look forward to your swift resolution. Thank you for your assistance in protecting consumer rights under the FCRA. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm writing to discuss a problem I found on my credit report. It says I was late with two payments on an account XXXX and XXXX, but that's not true. I always paid on time. 
According to the law, when a consumer reporting agency makes a report about someone, they have to make sure the information is accurate. This means they need to check everything and show proof of verification. 
I've attached a copy of my credit report so you can see the mistake. Can you please check it and find proof that I was late? If you can't, I need you to fix the mistake and say I paid on time. 
This mix-up is causing me a lot of stress, especially since I'm a single dad with XXXX kids to take care of. I really need this fixed quickly to make things easier for us. 
Thanks for your help.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

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: Credit reporting or other personal consumer reports

Your response regarding the disputed accounts and inquiries, including XXXX XXXX XXXX XXXX and XXXX XXXX, is unacceptable and in clear violation of federal law. You have a legal obligation to ensure the accuracy of the information you report, and your blatant disregard for compliance will not be tolerated. 

Issues with Your Response : 1. XXXX XXXX XXXX XXXX and XXXX XXXX : You claimed XXXX XXXX is not reporting on my credit file ; however, I checked my Equifax credit report, and it is still present. This is a direct violation of your obligation under 15 U.S.C. 1681i ( a ) to properly investigate disputes and ensure accuracy. Reporting false or misleading information after a dispute constitutes willful non-compliance under 15 U.S.C. 1681n and is grounds for legal action.

2. Unauthorized Inquiries : XXXX XXXX XXXX XXXX and other inquiries I disputed must be removed. Your response that inquiries are a matter of fact is baseless and contradicts 15 U.S.C. 1681e ( b ), which requires you to follow reasonable procedures to ensure maximum possible accuracy. I DID NOT AUTHORIZE THESE INQUIRIES, and your failure to verify them with proper documentation is a violation of my rights. 
3. Willful Non-Compliance and False Statements : You claim inquiries and XXXX XXXX are not reporting or can not be removed. That is a LIE, and under 15 U.S.C. 1681n ( a ), willful non-compliance subjects you to liability for damages, attorney fees, and punitive damages. Additionally, knowingly providing false information to a consumer violates 18 U.S.C. 1028A ( Aggravated Identity Theft ). 

Reference to Current Legal Action Against You : I am aware of the ongoing lawsuits filed against Equifax by the Consumer Financial Protection Bureau ( CFPB ), holding you accountable for inaccurate reporting, failure to investigate disputes properly, and other violations of the Fair Credit Reporting Act. This only reinforces your lack of integrity and failure to comply with federal standards. 

Demands : 1. Remove XXXX XXXX XXXX XXXX and XXXX XXXX from my credit report immediately. 
2. Remove all unauthorized inquiries, including XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX within 7 days. 
3. Provide the detailed method of verification used to validate these inquiries, including original documentation from the data furnishers proving I authorized them. 

With my state Attorney Generals office and file a formal suit. Furthermore, I will explore legal action for damages due to your continued violations of the FCRA and willful negligence. 

You have 7 days to respond and rectify these issues. If I do not receive confirmation of removal and satisfactory verification of your investigation, I will escalate this matter immediately.