23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/2020 {$560.00} was taken out of my impound account for no reason given, from Amerihome mortgage company. In XX/XX/2020 when I saw my statement, I saw this error of money taken out. I called them and they told me it was an error and I will be refunded. In XX/XX/2020 no refund arrived. I called back and was told the ( check # XXXX ) was sent out but never cashed. I told them I never received it, they said they will send out a replacement check. In XX/XX/2020 I never received that replacement check, when called back and was told the replacement check would be sent out on XX/XX/2020. Today is XX/XX/2020 and still no replacement check for the {$560.00} that was taken out of my impound account with no explanation ( only calling it misc. and no understanding where that money went ) I would like help in getting back my {$560.00} that was taken wrongfully from my account and I did not agree.
Product: Credit card or prepaid card

Between XX/XX/XXXX-XX/XX/XXXX my credit limit was taken away by three credit card companies. 

I lost {$34000.00} in my credit limit in 3 days XXXX XXXX Visa Card XXXX XXXX Citi AAdvantage Visa XXXX XXXX Citi XXXX Card XXXX XXXX I pay my balances on time 100 %. I was never late in payment I have no charge-off accounts. I have 28+ year excellent credit history I was not using more than 15 to 25 % of the balances on the cards None of these companies will restore my credit They based their decision on false information on my credit report which was removed on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from XXXX XXXX XXXX that they sent a request to Equifax back in XX/XX/2020 to have an incorrect inquiry removed but that same inquiry is still reflecting on my credit report. I sent a request directly to Equifax and recently checked my dispute status and it stated they would not remove it because it needed to stay on my report for 2 years. I was asking to have it removed since the 2 year mark is approaching.
Product: Debt collection

I called XXXX  on XX/XX/XXXX to cancel my services because XXXX could not render the services that I paid for in advance. I was on the phone for over three hours and hung up on once while waiting over an hour. I was transferred to 4 different depts. While on at least 25 min holds. My XXXX XXXX was billed on XX/XX/XXXX which I paid. My card was billed again on XX/XX/XXXX. I disputed the claim with XXXX and I called XXXX Customer Service Manager on XX/XX/XXXX. She told me that my service was not cancelled. XXXX sent me to the wrong dept to cancel my service. I replied Ll you want to do is take my money. I did not have an operational system since XX/XX/XXXX. I asked the Manager on a recorded line if I owe anything twice - she said I owe nothing. I was requesting a refund for XXXX payment. The manager told me that the service cancelation is 30 days, XX/XX/XXXX. XXXX the same where XXXX presented payment which XXXX declined. XXXX said I was in the right. XX/XX/XXXX payment was presented again and I thought XXXX  WAS STILL CHARGING ME MONTHLY. I calledto cancel my XXXX card. The rep explained that it was the same charge presented. I called XXXX  on XX/XX/XXXX and the rep and manager agreed that I should have not been billed. I was told that I owed to end of XXXX. I paid XXXX. I get a bill from Credit Collection Services on XX/XX/XXXX. I called XXXX  and verified the payment made. It was. I requested a receipt which I have not received, requested an apology, and removal from credit agencies. This is how XXXX treats a loyal customer for over 7 years who paid in advance.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after XXXX days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this follow up complaint to the XXXX, Equifax and XXXX Credit Bureaus today to remind them to remove the fraudulent inquiries in my report and along with this was my identity theft report that I filed through FEDERAL TRADE COMMISION and Per FCRA section 605b Credit Reporting Agencies are required to remove any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the blocking and removing of the erroneous information which was being posted to my reports. Here is the list of inquiries which do not belong to me or were opened without my permission, that needed the Bureaus immediate attention : 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, credit repair services, or other personal consumer reports

I sent the below letter to XXXX XXXX 's executive office on XX/XX/2020, and it appears they are refusing to comply. I am also paying a settlement of {$1700.00} to them and would appreciate XXXX XXXX removing all information from their system so I may apply for their products at a later time, should the need arise. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- To whom it may concern : While checking my personal credit reports, which I acquired from XXXX, I noticed numerous inquiries made by your company. I am not in the market for XXXX XXXX credit or auto finance products, nor was I. 

I did not authorize anyone employed by your company, or any subsidiaries of your company, to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ). You are not legally entitled to make the inquiry without permissible purpose attached to said inquiries. This is a serious breach of my privacy rights.

The inquiries in question are on the following credit reports : XXXX : XXXX XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX XXXX, XX/XX/2020 and XXXX XXXX XXXX XXXX, XX/XX/2020 | Transunion : XXXX XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX XXXX, XX/XX/2020 and XXXX XXXX XXXX XXXX, XX/XX/2020 I request that you mail me a

copy of my wet-inked signed authorization form that gave you the right to view my credit within five ( 5 ) business days so that I can verify its validity. Mail it to the address listed above. If you can not provide me with proof that I authorized you to view my credit report, then I am demanding that you contact the credit bureaus immediately and have them remove the unauthorized hard inquiry immediately. I also request that you remove my personal information from your records. Please send me a written confirmation that you have complied with my requests. Your failure to comply with my requests within five ( 5 ) business days will be my evidence used in Federal Court of your willful noncompliance [ 15 U.S.C. 1681n ] and I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees.
Product: Credit reporting 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. 

Account Name : XXXX  Account XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 

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

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

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

My account with XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

After I forwarded a copy of the FTC report, it became apparent that the 3 credit bureaus are not obstructing records. I'm sending this complaint to help with the legal response because it's required under FCRA regulation 605b. I will provide over my archives to my lawyer so that they can start a legal action if you choose not to impede the associated items listed below that are providing incorrect answers due to fraud. As it is not my intention to pursue any lawful activity, please abide by the law if it is not too difficult. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My card was used unauthorized to book a hotel not even in my name. two charges for {$760.00} & {$200.00}. my claim was denied in less than 24 hours. another claim i filed was an XXXX XXXX  transfer, i was scammed out of {$610.00} & never received an update to provide more information or anything. claim was denied within only 48 hours. thats a lot of money for me to have just lost out on and its upsetting, the proper investigation wasnt even conducted. there wasnt even an attempt to provide provisional credit, just flat out denied my disputes when these are VALID cases.
Product: Debt collection

CoPayments to   XXXX   XXXX   XXXX   XXXX  ,  XXXX , nj were paid through credit card during every visit and rest of the payments were paid by my insurance company. Before taking advantage of their service it was agreed that I need to take care of only copayment as they checked all details with my insurance company.     Now I have received {$170.00} from transworld systems Inc  XXXX   XXXX   XXXX ,   XXXX   XXXX  , pa  XXXX
Product: Credit card

I signed up with XXXX on the internet to receive recipes. I thought it was {$9.00} per year. The ad did not specify the time period. After the initial trial period they started billing my credit card {$9.00} per month. I called my credit card company, American Express and opened a dispute. I canceled the subscription on XXXX XXXX, 2016. American Express told me on XXXX XXXX and XXXX XXXX that a merchant block had been placed on my account. This company refuses to honor my cancellation and continues to bill my American Express card. I have contacted American Express who says that do n't know why or how the company continues to bill me. The latest charge was XXXX/XXXX/2016, completely unauthorized. I spoke with American Express again on XXXX XXXX, 2016. They told me there was a block on my card but the merchant can bill me anyway. Something must be done about this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


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

This was an account with XXXX XXXX. I canceled my hot spot at the end of XX/XX/2016. I was told that I could come back at anytime and pick up the service. I told them in XXXX XXXX XXXX and then after 60-90 days they were still billing me. I work out of state and was not able to get my mail. I paid everything online. I then called XXXX again and again. They kept telling me not to worry about it. I called the next month then someone else told me that they would not do anything about it and it would go to collections. I paid on this every month that I had this account on time. I then have been disputing this collection for over a year and I have given all the credit reporting agencies the time line when I switched with bills showing when I canceled the account and still because of these big corporations can put in accurate information on your credit report at anytime. I paid on my account and paid for services that I have like any other account that I have. XXXX should do the right thing and take this off my credit report.
Product: Mortgage

On XX/XX/2023 I received an email from Bank of America stating they needed an additional {$45.00} to process the property valuation. ( See attached ) I immediately went to the Post Office to mail the {$45.00}. When I arrived at the Post Office there was XXXX person working and about XXXX people in front of me. I stood in line for XXXX hours and paid about {$30.00} to sent it priority mail. 

After I left the Post Office and a few days later I saw an email from Bank of America stating Great News no additional fee is needed and they would honor the previously letter. 

Its a Friday afternoon why didnt XXXX from Bank of America XXXX out and call me to say the {$45.00} is not needed. That way I wouldnt have to stand in line for XXXX hours at that XXXX XXXX. Terrible customer service. 

On Friday XX/XX/2023 after being told Bank of America would honor that original letter. On the same day XX/XX/2023 I received another letter from Bank of America with a new undisclosed rule stating it could take 21 days. 

At this point Bank of America is just making up and changing the rules as they go along. Why? This is Unethical and a bad business practice. 

This is a low risk loan. The house across the street sold XXXX for {$530000.00}. The house next to me sold for {$540000.00}. The house behind me sold in XXXX for {$530000.00}. My mortgage balance is less than {$250000.00}. Which means the equity is 60 %. Making this a low risk transaction. 

Most banks process these low risks transactions without sending anyone out. 
There is No requirement for PMI removal that someone has to come out. Banks routinely use another product for these low risks transactions. 

Why is Bank of America taking 21 days to process removing PMI? First it was as XXXX days, now XXXX? Why is Bank of America processing PMI deletion like a home purchase or refi loan?
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... no consent is fraud. Please delete the accounts : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses and failing adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

Noticed unrecognized XXXX  transfer on Capital One 360 accounts, called Capital One to report on XXXX XX/XX/2022. Had no additional contact until receiving a suspicious email claiming to be from Capital One on XXXX XXXX. Tried to access accounts and found them locked. Called Capital One and was informed they did so because I " did not respond to their inquiries '' ( of which I had received one, ten minutes before the call ) and that they wanted additional info regarding suspect charge. After going through possible causes agent informed me that my checking and savings accounts would be closed immediately as I was " a risk to the bank '' ; however they refuse to transfer remaining funds out of account until their investigation into the suspicious charge is complete. 
Venting to a family member revealed that they had tried to place an order on my behalf that was never received. Supporting documents were given to me, I called Capital One back to give them additional information but my funds are still being held pending their investigation on money *I lost*. I do not have atm or branch access to satisfy their requirements for any kind of withdrawal. Only after the two phone calls did I receive any kind of written notification in the form of an email stating they *may* close the accounts.