23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Why Bank of America and XXXX keep lying about what type of Loan this is? They keep reporting this is a Conventional Loan, knowing this is a XXXX XXXX. We built house in XXXX, XXXX finance. Loan was refinance one time in XXXX with BOA refinance for {$10000.00} dollar for remodeling. CFPB claim no # that was reported XXXX XXXX with BOA and XXXX XXXX. XXXX, XXXX, XXXX XXXX, they are lying about this is a Conventional Loan? This loan has XXXX Loan no # and XXXX FHA no #. We have never miss a Loan payment. This complaint is about Bank XXXX. BOA have a mortgage scan and it need to be investigated. Have them produce payment history starting XXXX We never had a Partial Claim. Our payment is {$1300.00}. We live here almost XXXX years we owe more on house now than when we built it. XXXX put {$400000.00} insurance on house cost {$3700.00} with the {$2600.00} we already had. Which made a total of {$6300.00} paid. Taxes not paid lien on the house. Have BOA show the payment history for XXXX, XXXX, XXXX, XXXX of XXXX ( XX/XX/XXXX someone from BOA call and said they wanted my husband to sign authorization to speak to me. That there is not a XXXX party on the loan. I inform her that XXXX XXXX and XXXX XXXX XXXX XXXX XXXX on the Deed. That XXXX XXXX XXXX is on the mortgage. I told her XXXX XXXX she call and said I need in writing authorization from my husband. I sent it over she said it wasn't his signature he sent another. She said she was setting up a security sight to communicate with us. It was through XXXX XXXX. We never heard from again. Later my husband signature showed up on a Subordinate deed document It was the last page only his signature. We never heard from her again, until XX/XX/XXXX. She call and said she was sending a form for us to sign. I told her we were not going to sign anything. I told her what happen before. She got mad and Close all Bank America claim from CFPB stating no 3rd party on the loan. ( We are not going to sign any documents from Bank America ) If they don't process these Complaints due to my name not on Loan I will go to Dept of Justice. My husband XXXX XXXX XXXX give me his wife XXXX XXXX XXXX XXXX on his behalf
Product: Debt collection

I've received a letter from Jefferson Capital about a credit card I've never had. The name on the card is wrong. They have XXXX XXXX XXXX. My name is XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

TransUnion Dispute Department XXXX XXXX XXXX XXXX, PA XXXX Re : Follow-Up to Dispute Unauthorized Credit Inquiries/ Non-Permissible Reporting Violations To Whom It May Concern : I am writing in response to your recent letter regarding my dispute of unauthorized credit inquiries appearing on my credit report. Your responsethat inquiries remain on credit reports for XXXX years and advising me to contact the companies directlyfails to address the substantive nature of my dispute and raises concerns regarding XXXX adherence to its legal obligations under the Fair Credit Reporting Act ( FCRA ). 

To reiterate, my dispute centers on the lack of permissible purpose for the inquiries made by the following entities : XXXX ( Finance/Personal ) Inquiry dated XX/XX/XXXX XXXX XXXX XXXX ( Automotive ) Inquiry dated XX/XX/XXXX Under Section 604 of the FCRA ( 15 U.S.C. 1681b ), any inquiry must be backed by verifiable evidence demonstrating permissible purpose. It is XXXX responsibility to ensure the accuracy and verifiability of all information reported. Directing me to the companies in question does not fulfill your duty under Section 611 ( 15 U.S.C. 1681i ) to conduct a thorough reinvestigation and remove unverifiable information.I hereby demand that you : XXXX. Provide a detailed explanation of your reinvestigation process, including the evidence you reviewed to conclude that these inquiries were valid. 


XXXX. Verify the permissible purpose for the disputed inquiries or immediately remove them from my credit report. 


XXXX. Confirm whether you requested supporting documentation from XXXX and XXXX XXXX XXXX to substantiate their inquiries, and provide me with copies of this documentation. 



Failure to comply with these requests will result in me filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for your failure to adhere to FCRA standards. 

Please be advised that I expect a response within the timeframe prescribed under the FCRA. Your failure to properly investigate this dispute may constitute willful noncompliance, which is actionable under 15 U.S.C. 1681n. 

I look forward to your prompt resolution of this matter and a corrected credit report reflecting the removal of these unauthorized inquiries. 

Sincerely, XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : * -- XXXX Phone : ( XXXX ) XXXX Email : XXXX XXXX
Product: Credit card

The credit card company Citi Cards/Citibank will not acknowledge a debt included in a Chapter XXXX bankruptcy filing. CitiCards continues to to ignore certified letters, hire debt collection agencies and report incorrect information to credit reporting agencies. CitiCards is using a wrong account number in an effort to ignore the bankruptcy filing, continues to add interest and penalties to the debt, posted it as a Charge Off and past due of 150 days on credit reporting. Our family filed for a Chapter XXXX bankruptcy in an effort to pay our debts. We have never missed a payment and have been following the designation or repayment set out by the US Court system. However CitCards has been reporting to credit agency as if we are late by five months and have refused to pay. As mentioned, I have sent via certified letters and court documents to CitiCards in response to their unfair credit reporting and have received no response. I have sent the same information to credit report agencies and they have all declared that CitiCards information is correct. We are strapped financially and can not afford to hire an attorney. It seems that all CitiCards has to do is ignore us, there is no governing body to enforce a bankruptcy filing with them.
Product: Credit card or prepaid card

I have had a credit card   with Wella Fargo for more then 8years they closed my account without informing me and without explaination of the reason they closed my account.
There was fraudulent activities on my joint account in the amount of {$10000.00} dollars the checks was cashed in a branch office. The reason they cut off my credit card was due to them closing the joint account which they stated they was still investigating.
They have runied my life by closing accounts I took time to build and when I reported fraud they refuse to properly investigate cash coming   from out of a branch. I need help taking them down.
Product: Debt collection

Beginning XX/XX/XXXX, Pioneer Credit Recovery has been calling our rental/business office with their phone calls for an attempt to collect a debt. At this time our office has received 9 phone calls in 11 business days. 
The phone calls have been coming from XXXX and asking that PCR be called back at XXXX. We have responded to each phone call and have repeatedly asked that they stop calling our office. 
The phone calls are being made through our contact phone numbers for our online advertising for our townhome rentals. Our advertising agency, XXXX XXXX, has also been notified of these calls and they are in the process of changing all of our contact numbers on our online ad 's. 
*See attached phone log of the phone calls from PCR. 
*See attached transcript of the phone call messages. 
* See attached online ad for our rentals. 
*See the attached email from XXXX XXXX from Navient/Pioneer Credit Recovery-which clearly indicates that we do not have or owe on any accounts with them. 
In our phone calls back to PCR we have requested/demanded that the phone calls stop but to no avail. 
On Thursday, XX/XX/XXXX, an email was sent to their CEO XXXX XXXX, XXXX XXXX responded to that email and assured our office that she would resolve the issue and the calls would stop, still to no avail. On this same date an employee in our office received their phone call, while the employee was with a potential rental applicant. 
We are a reputable XXXX XXXX XXXX that has been in business for over 30 years and we feel strongly that this is harassment. Again, each and every time we have received their calls we have responded and given them our numerous online contact phone numbers and they still have not stopped the calls. The phone calls are also being left on our voice mail. This needs to stop. We are a small reputable company that does not want our employees or others to hear these debt collection calls for an account that is not ours. If there is any other information that you would need, please do not hesitate to contact us for additional information. We are fortunate that our office and advertising company have complete documentation of all of the calls and the audio of each call. 
Prior to my contacting of XXXX XXXX, I had called the XXXX and had spoke to numerous representatives of PCR, including supervisors, all of which were terribly rude, condescending and none of which did anything to resolve this issue of these phone calls. They are targeting our small business for an account that is not ours.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've wrote several letters to XXXX about an account that's fraudulent on my credit report, which has yet to be removed. This has hindered me from purchasing a home for my family.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is showing closed on my credit report for XXXX, XXXX, and Equifax. 
XXXX is showing closed on my credit report on XXXX only. 

According to 15 USC 1681 ( b ), I have not provided XXXX, XXXX, or Equifax with written consent to furnish or obtain my information regarding XXXX XXXX. As such, their reporting of this information is in violation of the FCRA. 

According to 15 USC 1681 ( b ), I have not provided XXXX with written consent to furnish or obtain my information regarding XXXX. As such, their reporting of this information is in violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX I am not an attorney not am I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. I am just now getting back to work and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports XXXX XXXX My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the1CARESAct, Pub.L. 116-136, section4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ) ,15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file.
Product: Money transfer, virtual currency, or money service

I am filing this complaint against Digital Federal Credit Union ( DCU ) because they do not provide adequate back end support for basic digital banking functionality including external ACH transfers. They have a deeply inferior implementation of Plaid which is so flawed I can not even connect my XXXX XXXX XXXX checking and savings account, even though XXXX is the largest bank in the nation. Likewise, they pretend to offer support for loan and retirement account linkages but can not provide reliable support in that regard either. Meanwhile, DCU has been stalling me for more than a month saying that there is no definitive end date to fix these issues. Since DCU is currently engaged in a mega-merger with California 's own XXXX XXXX XXXX XXXX XXXX while promising " Uniting the capabilities of the nations XXXX leading technology-forward credit unions will allow us to innovate and push the boundaries to deliver more elevated experiences by making material investments in products and services to meet the needs of our growing membership '' ( see attached press release ). CFPB and the Office of the California Attorney General need to take prompt action to protect consumers by requiring these organizations to meet industry baseline performance standards before being allowed to proceed with the proposed transaction.
Product: Credit card or prepaid card

Card opened under my name on XX/XX/2023 with limit of XXXX. Its a chase card. I have XXXX  Chase cards and this one is not mine, nor under my credit card app on my phone. I have contacted my credit score apps. It seems tk being paid so is not hurting my score too much but this is not my account
Product: Checking or savings account

When my balance was non sufficient I received charges and was told that nothing could be done. Sometimes there were pending deposits made through the ATM
Product: Credit reporting or other personal consumer reports

I am trying to access my credit file via myequifax.com. I try to login and get a message that tells me I can not login and to contact their Customer Care Team. Ive called multiple times since XXXX  and all they tell me is that they have to escalate my issue to a backend team but no follow-up occurs or resolution.
Product: Debt collection

the caller stated that he has made several attempts to contact me and that I need to call him back asap or legal actions will take place against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX 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 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 customer to any customer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm this detail ( A ). This account may not be reported as unverified information without providing any supporting information within the legally allowed time range. The account areisshown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX  XXXX XXXX
Product: Mortgage

On XX/XX/2023 I received a Denial letter from Navy Federal informing me that I was denied my refinance based on " Property use does not meet occupancy requirements ''. I am requesting a further Investigation on this matter due to a conversation that I had with my loan officer. When I requested a change of person to take care of my loan, I got some resistance. I feel my documents & evidence were not fully disclosed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please remove ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone applied for a XXXXXXXX XXXX XXXX in my name I received it on XXXX. I reported it as fraud to XXXX XXXXXXXX to close the account. I singed up for lifelock identity theft and from there website i went to all 3 credit services to apply for a credit freeze and fraud lock. Today XX/XX/23 I received a text message from Experian Credit in regards to my credit file being updated. I logged into my account to learn that XXXXXXXX XXXX  of Delaware got a copy of my credit report for a installment loan or new bank account. I contacted experian to find what had happend. I talked to XXXX different people trying to get answers. The last person was from the credit fraud dept. I asked him XXXX got my credit report when I had a Fraud alert and a credit freeze on my credit reporting. He said they had been lifted. I advised him how did they get lift and all he say was I did not request a pin number, which did not ask me for one
Product: Credit card or prepaid card

I received a credit card in my previous name which I haven't used for 25 years. I was concerned about my privacy and tried to call the company at XXXX but I was unable to get past the recordings to speak to a representative. It is a visa debit card through US Bank ReliaCard
Product: Credit reporting or other personal consumer reports

RE : Social Security Number : SS # : XXXX and account reported from : 1. Under penalty of perjury I swear this account is false and misleading XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report. 

4. Under penalty of perjury I swear this account is false and misleading XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

5. Under penalty of perjury I swear this account is false and misleading XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

6. Under penalty of perjury I swear this account is false and misleading XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report. 



ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE XXXX FORMAT FIELDED XXXX STATEMENTS ( XXXX ), MANDATED XXXX PARCELS OF CONFIRMATION NECCESSARY TO REPORT COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/ AND OR ALPHANUMERIC SOURCE CODES ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, -STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT. ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX I never opened these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid the settlement offers for both XX/XX/XXXX Reference No : XXXX ( Original Creditor : XX/XX/XXXXXXXX Account No : XXXX Balance : {$550.00} ) which was {$270.00} and XX/XX/XXXX Reference No. XXXX ( Account Summary Original Creditor : XX/XX/XXXXAccount No : XXXX Balance : {$500.00} ) and {$250.00}. 
I was told on a recorded call both debts would be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an HSBC credit card, I did not receive statements for several months. I learned that I was delinquent by checking my credit report. When I called HSBC to inquire why I have not been receiving statements I was told I was enrolled in paperless. I said that I was not. I was directed to log into the customer portal to check and when I did it was confirmed that I was never enrolled. I was enrolled in paper statements. XXXX on XXXX/XXXX/XXXX apologized removed fees and interest and said a letter would be sent to remove from credit report. I received a letter on XXXX/XXXX/XXXX indicating that the letter would not be sent to correct the error because I was enrolled in paperless billing. Again, I was never enrolled in paperless as proved when I logged in that day. I asked them to play the audio tapes to confirm. I called back on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and spoke to two different people named XXXX. To date, the issue has not been resolved. This was caused by a glitch in the HSBC system through no fault of my own. I paid the outstanding balance over the telephone. I have never been late in my lifetime.
Product: Checking or savings account

I am submitting a second complaint regarding my dispute with Wells Fargo, as they have once again wrongfully denied my claim despite clear evidence that my debit card was used fraudulently. I previously provided a police report confirming that my card was stolen along with my bag, which contained my PIN. My stolen card was used at two separate locations, neither of which were near me at the time of the transactions.

Wells Fargo has failed to uphold consumer protection laws in handling my case. Specifically, the bank has violated Regulation E of the Electronic Fund Transfer Act ( EFTA ) by refusing to reimburse me for unauthorized transactions. Under this law, I am entitled to a full refund for unauthorized withdrawals, especially since I promptly reported my card stolen and provided supporting evidence, including the police report.

Additionally, two Wells Fargo representatives lied to me during my dispute process, providing false information regarding my rights and the banks obligations under federal law. This constitutes deceptive practices, further justifying regulatory action against Wells Fargo.

I demand that Wells Fargo immediately reimburse my stolen funds as required under EFTA and CFPB regulations. Their continued refusal to do so is a direct violation of consumer protection laws, and I urge the CFPB to take swift action to ensure they comply. 

Please escalate this matter and enforce the necessary regulations to hold Wells Fargo accountable for their negligence and deceptive practices.
Product: Mortgage

Our mortgage company, Shellpoint Mortgage, has wrongly placed force-placed flood insurance on our condo. Our building 's HOA provides flood insurance as part of our monthly fee, and we have continuously provided Shellpoint with proof of this coverage since first being requested in XXXX. 

Despite our repeated effortsincluding numerous calls and written correspondence on the following dates : XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, and XXXX has continued to charge us for the redundant flood insurance. This has led to the depletion of our escrow account, resulting in a letter informing us that our mortgage payment will increase by {$1000.00}. 

To date, the only response we have received from Shellpoint is an acknowledgment that they are investigating the issue. We have never had a lapse in flood insurance coverage and have documented proof of continuous coverage. Despite our continuous calls and letters, Shellpoint has persisted in charging us for flood insurance that we already have, causing our payments to increase starting in XX/XX/year>. 

Documentation of such provided.