23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to DELETE some items from my credit report that transpired because of a FRAUD yet I have certain items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence. 
XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$510.00} ; XXXX XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX ACCEPT Date of inquiry XX/XX/2020 ; XXXX XXXX  Date of inquiry XX/XX/2020 ; XXXX Date of inquiry XX/XX/2020 ; XXXX Date of inquiry XX/XX/2020 ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$500.00} ; XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX, LA XXXX
Product: Debt collection

I have been working with Midland Credit Management , Inc since the XXXX of XXXX. I called them on the XXXX of XXXX XXXX and spoke with a account manager about how or what I need to dispute this debt that I just found on my credit report when XXXX XXXX from XXXX XXXX. She informed me that I had a debt in collections from Midland Funding, LLC. I informed her that I never had a credit card through XXXX XXXX. So I contacted Midland Credit Management, Inc on the XXXX of XXXX XXXX they told me they would send me a what I need to do and the information they have on the case. The paperwork states it was typed up on the XXXX of XXXX XXXX. Where they give some details about the account. And what information I need to seek if I want to dispute it. So after I received this packet I started filng reports the day of receiving the paperwork on the XXXX of XXXX XXXX. I filed a complaint report on ther FTC.gov for Identity Fraud as per stated in the inforamtion they sent me to get, and I also have contacted my local sheriff 's department to file a police report. The deputy came out to my house on the XXXX of XXXX XXXX and I showed him the information that Midland Funding, LLC sent me. He wrote up his report and gave me a card that had his name, title, phone #, case #, address of police station. I have scanned the business card the sheriff gave me and the report for identity theft report and have faxed the paperwork to Midland Funding, LLC on the XXXX of XXXX XXXX. I called them and spoke with Account Manager XXXX, he said they have n't recieved the fax, and to wait 3 business days for their company to receive and upload documents to their system, but I could also email. So I emailed them on the XXXX of XXXX XXXX. I have been calling them every week to keep hearing the same information to call back next week or the information you sent is Invalid and they will contact their legal team to see why infomration ( police report, and FTC Identity Theft Report ) is invalid, and inform me to call back every week. So I 've had enough and trying to take this to a higher level.
Product: Credit card or prepaid card

Capital one is fraudulently reporting my account 30 days late in XXXX of 2019. I made the payment through the online system and alerted the customer service representative about the issue with the online banking with my bank and capital one. Every month there was a problem making payments until I switched to a debit card. I contacted customer service reps and managers without assistance. My bank has made several accommodations for capital one. I will be suing capital one of my credit report is fixed and the balance waived. This company never does right by customers and always tries to purposely hurt the consumers credit. I made my payment on time there was issues with there online system and there ach clearing house with my bank.
Product: Debt collection

Midwest Recovery Systems reported on XX/XX/XXXX a collection on my XXXX  credit report for {$530.00}. When I contacted the number listed, they say the original creditor was XXXX XXXX and the debt is related to a XXXX payday loan. I was never notified of this debt, and when I requested detail on the specific debt, they were unable to provide it and referred me to a company with a disconnected number. I called the company XXXX XXXX that they say was the original creditor, and the company confirmed I never had any unpaid loans from them. I have disputed this charge with XXXX and am waiting on resolution to get it removed from my credit report. I do not understand how a company can just add a collection on a consumer 's credit report without any support or prior notice to the consumer. The credit bureaus need to address this issue, it has impacting a large number of consumers, judging by the number of complaints about this company and others like it on XXXX.
Product: Vehicle loan or lease

Consumer Portfolio Services IncXXXX XXXX XXXX XXXX XXXX CA XXXX They are only accepting one method of payment from me. I just received this car back after they repossessed it at the end of XXXX. I finally got it back after fighting for a VALID method to pay them in order to get the car back only to be told after receiving the car back that I'm past due for XXXX. I JUST received a bill in the mail that says it was due XXXX XXXX ON XX/XX/XXXX. Their website and automated phone system will only accept a payment method of a debit card. The other options consistently do not work. 

And as for the balance. I've had this loan for OVER A YEAR and somehow I've accumulated a balance and have only paid {$200.00} towards the principle or so the payment history explains YET MY BALANCE TODAY IS HIGHER THAN WHEN I PURCHASED THE VEHICLE OVER A YEAR AGO. 

THIS HAS TO BE A SCAM. I NEED TO MAKE A PAYMENT BUT THEY ARE MAKING IT EXTREMELY DIFFICULT. THEYVE ALREADY BEEN TOLD TO STOP CALLING MULTIPLE TIMES A DAY, NEARLY EVERY DAY OF THE WEEK BEFORE THEY REPOSSESSED THE CAR AND NOW THEY ARE MAKING IT DIFFICULT FOR ME TO PAY THEM AT ALL AND I AM NOW PAST DUE AGAIN 2 MONTHS. 

THIS COMPANY IS BY FAR UNFAIR TO THE CONSUMER AND IS MAKING THIS A WHOLE EXPERIENCE A LIVING XXXX.
Product: Debt collection

On XX/XX/XXXX I recieved calls and also letters regarding some pill that were purchased from XX/XX/XXXX from XXXX XXXX XXXXXXXX. When looking up info on the creditor they do not exist since there from a bike company the letters I have recieved none of the information matches. They call & state they will ruin my credit & that I have no opinion but to pay it. The company name is national medicial adminstrators inc DBA XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX Since filling out loan app I have received a XXXX calls for loans. Issue 3 is this company improperly used my identity by selling or giving it to other companies. 
Next, they say the accept bad or fair credit ; yet I make plenty of money to be able to satisfy the loan and my credit is XXXX on the low side yet would not approve. 
I believe this company is discriminating on me due to my origin and XXXX and where I live. 
All this does not fall under the fairness of the Statues. 
Why is their company asking the XXXX class I associate with as one of their loan questions? I gave them my banking info, social, and all my personal data which they then passed to other loan pyramid schemes. Please be wise and cautious when filling out discriminatory and bias loan applications if you are minority This should be outlawed for good
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit card

I am filing this complaint against Chase Bank regarding their failure to issue a replacement card for my XXXX XXXX card, despite the account being in good standing. This issue appears to be unjustly linked to a separate dispute concerning a different card, which was unlawfully closed. 

My XXXX XXXX account has been confirmed by Chase Bank to be in good standing. I have no disputes, delinquencies, or issues related to this account. On XX/XX/year>, Chase Bank confirmed the successful upgrade of my XXXX XXXX card to a XXXX XXXX card. However, despite multiple requests, I have yet to receive the new card. 

The unlawful closure of my other Chase account, is improperly impacting the issuance of a replacement card for my XXXX XXXX account. Linking the two accounts and withholding the replacement card for the XXXX XXXX account is an inappropriate and punitive action. The dispute related to the other card should have no bearing on the status or handling of the XXXX XXXX account, which is not part of the dispute. 

Chase Bank 's refusal to issue the replacement card constitutes a breach of the implied covenant of good faith and fair dealing. This breach unfairly deprives me of access to my account and the associated credit benefits. 

The CFPB must intervene to ensure that Chase Bank immediately issues and expedites the delivery of the replacement XXXX XXXX card. I appreciate the CFPB 's assistance in resolving this issue promptly and ensuring that my rights as a consumer are upheld.
Product: Credit reporting or other personal consumer reports

XXXX as of the date XX/XX/XXXX requested that I pay them XXXX to receive a copy of my credit report. While I am trying to gain access to my credit report online, I don't have access to my credit report at all. XXXX is refusing to update my credit report to match my Experian report which is the only accurate report I have. 

This is a complete violation of the CARES Act to make me pay for my credit report and the CARES Act allows me to receive my credit report for free every 7 business days. Also, it is the responsibility of the Agency to make sure that the credit reports are updated and accurate every 45 days. My credit report has not been updated and accurate since XX/XX/XXXX. This is a complete violation of FCRA! 


I HAVE SENT MULTIPLE LETTERS TO XXXX WITH MY ADDRESS, SOCIAL SECURITY NUMBER AND MY DRIVER 'S LICENSE. USE THAT INFORMATION TO VERIFY MY IDENTITY.
Product: Credit reporting or other personal consumer reports

Name XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX Fl XXXX Date XX/XX/year> I am writing to request a detail description of the investigation process followed by your agency regarding the disputed accounts on my credit report. pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 ( 7 ).

Under Section 15 USC 16811 ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer dispute. 

Account XXXX ACCOUNT # XXXX
Product: Debt collection

I was charged a pay-to-pay fee of {$12.00} by this company. 

A CFPB advisory opinion, published at 87 Fed. Reg. 39733 ( XX/XX/2022 ), clarifies the limits on a debt collectors ability to charge pay-to-pay or convenience fees under the Fair Debt Collection Practices Act ( FDCPA ). The advisory opinion also has important implications as to a wide array of other charges assessed by debt collectors.

Pay-to-pay charges or convenience fees are added charges when a consumer makes certain types of payments by telephone or on a website. The CFPB advisory opinion explains when a debt collector assessing these charges violates FDCPA 1692f ( 1 ) ( 15 U.S.C. 1692f ( 1 ) ) that prohibits collecting any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. The advisory opinions logic applies to other debt collector fees and charges.

This fee violates FDCPA 1692f ( 1 ) ( 15 U.S.C. 1692f ( 1 ) ) and needs to be refunded.
Product: Mortgage

We have had numerous issues with Nationstar, from refusing to correct my name to my married name despite being sent essential documentation on 3 occasions to overall terrible customer service where they refuse to let you speak with a supervisor. This most recent issue came when we thought we were finally free of them. We sold our home and the loan was paid in full leaving an overage on the escrow which is to be paid out to us. We called to verify the amount owed to us and when we should receive it. We were told 2 weeks which we happily accepted. After 2 weeks had passed we called again only to be told that there was n't any progress and it could take up to 18 business days. Annoyed, I asked to be transferred to the escrow department where, in the very same call, another associate tells me that it will take up to THIRTY BUSINESS DAYS. Every time we talk to these people we are wasting hours of our life to get the run around and conflicting information. We just want our escrow paid out to us as soon as humanly possible so we can put this terrible company behind us.
Product: Credit reporting or other personal consumer reports

I have credit inquiries from companies I did not authorize to pull my credit and it has lowered my credit score : XXXXXXXX XXXX XXXX Date XX/XX/year> XXXXXXXX XXXX XXXX Date XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XXXX  Date XX/XX/year> XXXX. XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Date XX/XX/year>
Product: Debt collection

While checking my credit report I noticed three collections by a company called ARS that i was unfamiliar with. I disputed these collections with XXXX, and XXXX and they both replied that they contacted the creditor and the creditor verified the debt so I asked for proof which both bureaus replied that they are not required to prove anything. I then mailed a certified letter to ARS requesting proof of the debts n the form of an original aggrement, or a proof of a right to the debt, or even so much as the process as to how the bill was calculated, to which I was simply replied a letter for each collection claim that listed my name an account number and an amount with no other information to verify the debts after I sent a clear notice to provide me evidence. Afterwards I recontacted both XXXX, and XXXX, to redispute on the premise that it is not my debt if evidence can not be drawn up, I feel as if I am being personally victimized by ARS on my credit report for debts that are not owed to them or any party for that matter, and I feel discouraged that the credit bureaus who control many aspects of my personal finances are so negligent about my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ I sent you a letter regarding inaccurate things on my credit report on but to this day, more than XXXX have passed but I still got no response. I was told that FCRA obligates you to investigate these negative items within 30 days and remove them if nothing is found. Bit it has been more than a month now, and your inaccurate reporting still affects my credit nor I get response from you. Apparently, you are ignoring my disputes. I demand these accounts be deleted immediately or I will file for litigation due to all the troubles you caused me. My information was impacted by XXXX Date breach and my got into hands of the wrong person and it is your obligation to fix these errors.
Product: Mortgage

My name is XXXX XXXX XXXX. I am in the middle of a purchase through XXXX XXXX. The property address is XXXX XXXX XXXX XXXX Iowa XXXX. I don't understand why there has been continued delays on the appraisal and then when it was done there were errors made which required an appraisal addendum. We were advised the addendum would be in asap but it was not received at all last week and then it was not received over the weekend. We are now three weeks away from when we sold our home on XX/XX/2021 and we still haven't been able to move in. Please please escalate this to be done asap as we are a family of XXXX with XXXX family dogs. We are in hotels and boarding pets while this process continue to be delayed. 

XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has purchased false information from XXXX XXXX XXXX and using this information against me on my credit report without factual evidence of this alleged bankruptcy. I have asked Transunion for proof of this alleged bankruptcy in the form of a legal notarized agreement or contract with my personal signature or consent and Transunion is unable to provide any factual documentation. Using consumer information is a violation of my FCRA privacy laws and I have not provided my social security number or drivers license or any personal data to the third party entity XXXX which was recently sued for millions of dollars for violating consumers rights. I am a recipient of monetary compensation awarded to me from the FTC of which XXXX paid out millions of dollars to victims like myself for misusing and falsely claiming debt and fraudulent financial statements that I have not done. Transunion is aware of XXXX lawsuit and is still violating my rights.
Product: Mortgage

On XX/XX/year> I worked with XXXX XXXX XXXX, real estate broker, to close on a home ultimately offering {$40000.00} above asking price due to the post pandemic housing market. Due to a 7 day window allotted for home inspection I used the home inspector that XXXX XXXX XXXX recommended. I also used the mortgage brokerage she recommended, Success Mortgage, only later to find out that her husband would be handling the loan. I was able to secure a better rate with XXXX mortgage, however, the agent stated that we ran the risk of the owners backing out of the deal if we extended the time to close. XXXX XXXX was able to match the rate and close within XXXX weeks. 

18 months later we began to discover moisture infiltration problems, significant termite damage, and mold. It was later discovered that though the termite inspection was to be executed by the seller per VA guidelines, my real estate agent had the inspection completed through the home inspector she recommended to us. The home inspector subcontracted the termite inspection out to an active real estate agent of the XXXX real estate brokerage who also worked as a termite inspector. None of this was disclosed to me. 

The termite inspection report noted that there was no wood destroying insect damage found. We moved forward with closing on XX/XX/year> at XXXX title. While following up on the validity of the XXXXermite inspection I not only found that ( 1 ) the inspection was to be setup and paid for by the seller ( 2 ) the sellers became aware of the termite damage many years prior to selling when they renovated and added a garage ( 3 ) the termite inspector was an agent of the listing brokerage, but ( XXXX ) the XXXX was changed by Success Mortgage to remove the termite inspection fee from the final document ( 5 ) Success Mortgage did not include the termite inspection report in the closing documents to be signed by the seller acknowledging that all information about termite damaged had been disclosed to the seller ( 6 ) Success Mortgage refunded the cost of the termite inspection to the seller.

Success Mortgage, through XXXX XXXX, deliberately disregarded key requirements in the VA loan process designed to ensure the service members home is free of potentially costly pests and damage. Consequently, I have incurred over {$60000.00} in expenses in foundation repair, mold remediation, installation of moisture barrier, and removal of XXXX linear feet ( XXXX ft high ) of framing and insulation. The header, floor joist, and sill plate are also damaged and will need to be removed and replaced. The damage is so significant the tax value of the home was decreased by {$80000.00}. 

I filed a customer complaint with Success Mortgage detailing the conflict of interest issues with the real estate agent and their mortgage branch manager/consultant, missing documents, and the altered documents. The company responded that they reviewed the matter, the termite inspection stated no pests, and I should contact the termite inspection company. The audit director stated that she was " unable to confirm whether the document was in the closing package ''
Product: Credit card or prepaid card

On XX/XX/2021 an {$800.00} atm withdrawal was posted on my account. I did not know until XX/XX/XXXX and was told by BOA that I would need to call the fraud department on Monday XX/XX/XXXX. I called and filed a claim and was asked to wait patiently up to 45 days and that I would receive a letter in the mail. I called XXXX to update them on the matter. After filing the claim I waited a few days to Contact BOA to obtain an update and was told my account was frozen. I figured it was obviously frozen because of the claim. I kept calling every few days and I was being told the same exact thing its frozen. I finally asked what they meant by its frozen, and they went on to say its frozen because XXXX placed a hold on your account due to them waiting on verification. I asked why they did not tell me this before and they apologized. I call XXXX and verify and was told by XXXX that once BOA received the verification letter they can lift the hold From my account along with provisional {$800.00} credit that they must give me. I called BOA almost everyday to find out whether they received verification. When they finally stated that they did XXXX which was actually days before ) they stated they would submit a form ( apparently he said its a form he has to fill out and did not tell me more than that ) along with submitting my claim for a reconsideration this was on XXXX XXXX was told this can take months, and that the XXXX  days I had already waited did not count due to the account being closed. I called back XX/XX/XXXX in which I was told that no one submitted a reconsideration. So a reconsideration was filed. I called XX/XX/XXXX and spoke to a supervisor who stated I would be given the provisional credit. I have been getting the run around about my funds since XX/XX/XXXX. Bank of America supervisors have hung up on me multiple times and do not have an answer for anything and even going as far as telling me to bank with another banker. It has now been almost 60 days and I have yet to receive anything in the mail regarding my claim. Today I have had it, was hung up on by a BOA claims status supervisor as well as feeling humiliated and asked why do you need the money for? Bills, payments, food, OR what? I can not believe that they would ask me why I need MY Money for. I do not think that BOA plans on ever refunding me this money and I have been the one calling and calling to get things moving. And nothing has changed. I can only imagine how many people are going through this.