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

I was able to open a claim on XX/XX/2022 for amount of {$20000.00} with Bank of America prepaid claims, I was asked to filed a police report also to write a letter 3weeks after it was filled, which I find hard to understand why I wasn't told to do so beginning wen claim was taken. 
Unfortunately claim was denied I was told I will get. Letter in the mail explaining reason why. Than I can write back explaining the reason I don't agree. 
Is taken long time to solve this problem am a victim of identity froud my information was obtain n use without my consent, they were able to obtain a debit card aand withdraw money from bank of America Unfortunately neither bank or XXXX department ha d a 2step verification at all in the beginning because I didn't receive nothing which I had to verify that I was one requesting change of address until late later I was asked to verify .but It was late few payments were collected. XXXX kept sending payments without verification of any kind.
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
Look at my Experian credit report on XXXX XXXX. And notice some things are incomplete and not accurate. 
And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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: Debt collection

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company, XXXX XXXX XXXX. I did not open or authorize the accounts that you report a balance of {$1900.00}. This fraud account was not opened by or used by me. I've never had an obligation to you or the medical companies you represent. Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to any medical physician, office, or affiliate to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me. Still, anything more is only to be revealed with the patients authorization and I have never given permission to any physician. However, please send me written confirmation that I am not responsible for charges on this account and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft and is inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the FairCredit Reporting Act, 15U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy of the FTC'sNotice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.
Product: Mortgage

For over one year now I have been asking Rushmore loan management services to reappraise my house so that I can avoid PMI. I have asked Rushmore loan to arrange their home appraise and Ill pay the cost - they have time and again refused to appraise my house- they have never given me any legal reason as to why they are not appraising my house in Arizona XXXX this communication started in XXXX and this is XXXX XXXX. I believe my house value has significantly increased in past couple of years and LTV ratio is way better than threshold of 70 % This company is fraud and deliberately denying my right to reevaluate through appraisal
Product: Credit reporting

I was a victim of identity theft and reported it appropriately as suggested however the bureau only disputed XXXX to XXXX items and left the remaining fraudulent accounts and inquiries there which has been interfereing with my first time home buyer program and I am highly disatisfied with the service and dispute process.
Product: Prepaid card

Bank of America 's refusal to acknowledge their responsibility in this matter is deeply disconcerting. They have not only failed to deliver on their promise to provide me with the essential means to access my funds, but they have also displayed a complete lack of empathy and disregard for my financial well-being. 


I urge Bank of America to reconsider their decision and to genuinely investigate the matter at hand. They can not simply dismiss my claims without a proper investigation, especially when it is clear that I did not receive the XXXX debit card in the first place. This flagrant negligence on their part has caused significant distress and setbacks in my life, leaving me struggling to make ends meet. 


I implore Bank of America to rectify their mistake and fulfill their obligation to compensate me for the loss and inconvenience I have endured. They must understand the severe implications their actions have had on my financial stability and emotional well-being. As a valued customer, I had expected better from a reputed institution like Bank of America, but they have shattered my faith in their integrity and commitment to their customers. 


I hope that my complaint serves as a wake-up call for Bank of America to reconsider their stance and take immediate steps to address my situation. I deserve to be treated fairly, with honesty, and with the respect I deserve as a customer.
Product: Credit reporting or other personal consumer reports

This is in reference to CFPB complaint XXXX ; to verify the accuracy of your reporting, I request the following documents : Payment History Statement A full transaction history for the account, including due dates, payment dates, and amounts paid. Billing Statements Copies of the billing statements for the months in question, showing whether a payment was missed or made on time. Loan Agreement A copy of the original loan or financing agreement outlining the payment terms and conditions. Correspondence Logs Any letters, emails, or system notes showing that I was notified of a late payment or delinquency. Internal Investigation Report Documentation proving how they determined the account was 30 days late and their communication with the CRA 's. If you can not provide verifiable proof of ALL requested documentation, your failure to substantiate the claim will result in the demand of a correction or deletion of the late payment record.
Product: Mortgage

My loan has meet all the requirements for deletion of PMI and Fay Services has give lie after lie for reasons on why they refuse to delete PMI. 

* I have no 30 day late payment in the last 12 months * I have no 60 day late payment in the last 24 months * My LTV is 67 % per letter that i recieved from both Fay servicing and previous servicer * Loan is in good standing * I have requested removal in writing several times ( last time XX/XX/XXXX ) * The home is in compliance with all requirements in the Homeowner Protection Act XX/XX/XXXX All the documents needed are in the file that both XXXX Homes and Fay Servicing have. 
Current outstanding loan balance is {$120000.00} and Tax appraisal is {$240000.00}. ( attached )
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. 

XXXX/XXXX  XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$2500.00} US DEPT ED XXXX {$3500.00} XXXX XXXX {$3500.00} DEPTEDXXXX  XXXX {$2700.00} XXXX XXXX {$0.00} XXXX XXXX  XXXX {$0.00} XXXX/XXXX   XXXX {$4500.00}
Product: Mortgage

On or around XXXX of XXXX, I refinanced our home which is now being handled by Myloancare. I decided to recast our loan on or around XX/XX/XXXX, adding XXXX to our principal. On XX/XX/XXXX we contacted Myloancare asking if they offer Loan Recasting. The answer was affirmative. They offered to recast for a {$300.00} fee as long as we were adding at least 10 % of our principal. They indicated they would be sending us paperwork for recasting. 30 days passed and we did not receive anything. On XX/XX/XXXX we contacted Myloancare again. They again told me they would send out the paperwork and informed me there would be a {$300.00} fee, to which I agreed. I waited 2 weeks and still did not receive the paperwork. On XX/XX/XXXX, I called again and the representative indicated they did see the notes and did not know why we had not received anything. I asked for the paperwork to be sent via email or at least a verification letter indicating I wanted to recast. It has now been 45 days and I have yet to hear anything from them. Can you please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

Pretty much I applied for a credit card I was approved but then XXXX still did a hard pull twice once on XX/XX/22 and one on XX/XX/22 all Im saying is how I got a card but I also got a letter sayin I didnt get it? But I did get it? N now I have two hard inquiries on my report also they have address that I dont live at on there and all different variations of my name which I do not like at all!!
Product: Bank account or service

TD bank is violating my my consitition rights XXXX withholding me from my direct deposit than denie me the request to speak to a manager when requested ... Td bank is constantly committing waste fraud and abuse to cause me harm reguardjng my direct deposit
Product: Debt collection

I get frequent calls from Nationwide Recovery System. When i answered one of their calls they said that i needed to pay my hospital bill from a hospital located in XXXX. I used to live in XXXX and just recently moved to XXXX, so i dont recall any medical bill from a hospital in XXXX  XXXX I havent even been there. Now on my credit wise account i see this derogatory account from this Nationwide Recovery System affecting my credit score. I dont know whats happening but this is a scam.
Product: Debt collection

There is a balance of XXXX on my credit report from Western Shamrock. I have filed several complaints requesting proof I owe this debt. The only letter i received was offering me a settlement on a debt that is not mine and can not be validated. I will file a civil lawsuit if I must against this company to protect my rights. I want proof this is my debt. Something showing where I signed for this debt.
Product: Debt collection

I closed a broadband account with XXXX  when I moved. Their customer service rep did not tell me to return a depreciated modem. They then charged me for the purported value of the equipment. 

When I contested, they pointed to a clause in their contract to return items, but nothing in the contract explains how to return an item. ( Also keep in mind this was XXXX  2020, when COVID disrupted even traditional practices. ) They ( 1 ) did not ask for the modem to be returned or ( 2 ) explain how to return it.

To cover their ineptitude, they have put this bill for a debt that I do not own in debt collection over the past year, through multiple debt collectors. I had informed them that the next collector would lead to a CFPB complaint.

They are even now offering a 24 % discounthow kind. Only 76 % on the hook for their incompetence.

They are repeatedly trying to use debt collection harassment to get a consumer to cover their own mismanaged operations.
Product: Debt collection

XX/XX/2020 XXXX, {$290.00}, XX/XX/2020 XXXX {$100.00} I have reached out to Capio partners in reference to these accounts. These accounts are an result of identity theft which is reporting on my report inaccurate and is violating fair debt reporting act.
Product: Payday loan, title loan, or personal loan

In XXXX XXXX I applied for an equity line of credit to pay off bills and the revolving loan in question. I received and qualified for the equity line of credit and paid off bills including the revolving loan in question. I have been receiving bills for the paid off and closed revolving loan since my payoff date which I believe was XXXX or XXXX XXXX. I have made numerous attempts to contact the banking institution to correct this matter and the one individual that could help me never returned my calls or showed that they gave any indication of correcting this matter. I even call the main office in XXXX, XXXX and they explained that the only person that could take care of this problem was the person that I was trying to contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

Being a victim of fraud is no fun nor is it easy to get fraudulent items removed. The following two accounts only shows on Experian, when the other 2 agencies rightfully blocked them. These accounts are not mines and I'm respectfully requesting that they be removed. XXXX  XXXX loan, and XXXX XXXX XXXX XXXX. If your investigation come back as accurate via electronically then please as a consumer I have the natural right to have physical documentation from my accuser, in accordance to the FCRA law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has erased all but one account from my report. This is effecting my life in a major way. It happen in XX/XX/2019 and I have been trying to get them to add my accounts back on them every since. The accounts are being reported by the lenders however due to a technical error those accounts are not showing up on my Equifax report. I have contacted Equifax about the one the last 2 years but this is still a problem please advise. and thank you.
Product: Debt collection

Re : XXXX XXXX XXXX XXXX XXXX ; {$190.00} Balance This account in collections with TSC Accounts Receivable is a medical bill that was already paid by my SECONDARY health insurance and violates the 180 day reporting of medical bills on credit files. The original debt collector and TSC Accounts Receivable have not made effort to contact me about this debt. I ask that this account be removed from my credit file immediately for violating the 180 days agreed upon by three credit reporting agencies and the New York attorney general in 2015. I dispute that this medical bill was paid by my secondary health insurance and there was no attempt by XXXX XXXX  XXXX XXXX XXXX to collect.
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. Consumer Adjustment CO # XXXX, has violated my rights. 

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

And according to 15 USC 1681eb they are supposed to ensure this whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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: Debt collection

XXXX card sued me for a debt and we went to court and I won the judgement. I will attach documents and they are refusing to remove it from my credit. I have wrote to the letters to the credit bureaus and they replied stating some information was wrong and they have verified the debt and corrected the information. Any debt that has incorrect information has to be removed. The court ordered I that I don't owe them and it should be removed. They are in violation of the law.
Product: Checking or savings account

On XX/XX/XXXX I called Chase bank to report fraudulent charges on my account. The night before I checked my account after a shower and saw my account was overdrawn {$200.00}, I had over {$3000.00} dollars in that account, at the time it was too late to call, so I called the following day. I called Chase and made the claim for fraudulent charges that completely wiped out my account in a few minutes. On XX/XX/XXXX chase bank sent me a letter saying they denied my claim of fraud, and that they were taking back the credit they had initially given me while they were investigating my claim. It was then that I learned that I can look at the claim details on the chase app. So I check the claim and realize there was miscommunication on the phone when I made the claim. The reason the claim taker had put on claim was refund for goods not received. I immediately called back and explained what happened with my claim. They opened a new claim with the correct reason, however it was closed soon after. I submitted a police report with the charges labeled as stolen funds. I also submitted a screenshot of the charges on my own personal account of XXXX which is the company that the thief used to buy a bunch of goods with my card. My account shows 2 items that I have purchased with them and nothing else. I have called Chase bank multiple times to correct their initial mistake when first filing the claim, however nothing has come of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Chapter XXXX Bankruptcy was filed in XX/XX/XXXX and paid in full and discharged in XX/XX/XXXX. It shows discharged with all three Credit Reporting Agencies and I am not disputing. It will be 10 year showing on my credit report in XX/XX/XXXX. I am currently in process of trying to refinance my house. I am just humbly request that this information be considered for early exclusion.
Product: Money transfer, virtual currency, or money service

I send money to my wife vie XXXX in the amount of {$30.00} on XX/XX/2018, XXXX XXXX. 
There was no issue with the transaction. 

I send money to my wife vie VENMO in the amount of {$800.00} on XX/XX/2018, XXXX XXXX Now, apparently, there is an issue. 

XXXX removed the funds from my checking account, but refused to send to my wife 's account. They requested additional information from her which she provided. However, they still did not release the funds to my wife. 

I received an email requesting additional information from me. I refused and requested the XXXX simply return the funds to me. Now they have a problem with this and are holding my funds hostage for up to 180 DAYS to conclude an investigation into account activity.
Product: Credit reporting or other personal consumer reports

in the year of XXXX, months starting near XXXX until now have been causing adverse action to me while reporting transactions. 

Exclusions of my " consumer report '' deal with any report solely as to transactions or experiences between the consumer and the person making the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX  # XXXX and # XXXX are reporting invalid lates to my accounts. I made these payments and the mortgage company misapplied it. They told me that they would be removing the lates but they have yet to take them off of my credit. This is a violation and I want these lates removed.
Product: Credit card or prepaid card

Celtic Bank XXXX box XXXX XXXX, DE XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX Reference Number : XXXX Dear XXXX XXXX Thank you for submitting a prequalification request for the Surge credit card issued by Celtic Bank and serviced by Continental Finance Company . Upon review of your request, we regret that we are unable to prequalify you at this time for the following reason : We are unable to access your credit report due to a security freeze. You may contact the bureau to remove the freeze and reapply. 

Our decision was based, in whole or in part, on information provided by you and the following consumer reporting agency : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX You have the right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. The reporting agency played no part in our decision and is unable to supply reasons why we have denied credit to you. 

You have the right within 60 days after you receive this notice, to obtain a free copy of your consumer report by contacting the consumer reporting agency listed above. You have the right to dispute the accuracy or completeness of any information in your consumer report by contacting the agency listed above. 

If you have any questions about your application, please call us at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Sincerely, Credit Officer The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided that the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicants income is derived from a public assistance program ; or because the applicant has in good faith exercised his/her right under the Consumer Credit Protection Act. The federal agency that administers the compliance with this law concerning this creditor is the FDIC Consumer Response Center, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX  XXXX, MO XXXX.