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

I recently pulled a copy of my credit report that that your company publishes, and after reviewing it continue to find a number of items that are reported as inaccurate. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I have the right to demand that Your company discloses to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do not respond to this complaint via mail, or email. Please upload all documentation to the CFPB portal. Your company routinely provides a status of verified for disputed accounts without providing any proof of verification. I have been requesting proof of the below accounts for over 2 years. Upon disputing the below accounts, information on the account is either changed by the furnisher without providing any documented proof, or your company simply responds with the account being verified. 1 specific example of such activity is XXXX XXXX XXXX I submitted a complaint to XXXX, and was told by XXXX the dispute was frivolous and would not be investigated, as the XXXX XXXX XXXX had verified the account. I only way that I was able to obtain a fair investigation of the account, was by submitting a complaint to the States Attorney Generals office : Which resulted in the removal of the account from my XXXX credit report. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 10 days of receipt of this complaint then you must remove these accounts from my credit report. I have reached out the listed companies and was advised they were not able to provide any contractual information, endorsements, or payment history. However, your company is advertising such information on my report. This behavior is a violation of my federal rights. This will be my last attempt to amicably resolve these issues. Please provide verifying documents of endorsement and contractual obligation, and payment history for the below accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) Due to inadequate customer service and unfair practices, which violate the consumer financial protection Act ( CFPA ) .Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, Their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Mortgage

I XX/XX/, I purchased my first home through Guaranteed Rate. My payment was set up for escrow within my P & I payment. In XX/XX/XXXX, my loan got transferred to XXXX XXXX XXXX from Guaranteed Rate. Everything still seemed fine as mortgage transfers usually happen. In XX/XX/XXXX, I start to get letters from the XXXX XXXX XXXX XXXX office, advising that my taxes have been past due since XXXX. I tried to call XXXX for information as to why this was happening. XXXX kept giving me a running around as to taxes were paid. I called the tax accessor and they advised they never received escrow payment from any lender from the time I bought my home. The tax accessor has advised if I do not make a payment by XX/XX/XXXX, they can pursue legal action for foreclosure. I have contacted XXXX once again to confirm what actions they are taking. They advised that they sent out a check back in XXXX, but it bounced and returned. Not once did they try to confirm why or where this returned. They now have mentioned they sent an escrow check on XX/XX/XXXX to the tax accessor, but only covers the taxes for the year XXXX. When I spoke to XXXX, they advised that when they received the loan from Guaranteed Rate, they mentioned there was no escrow balance transferred to them from GR. They mentioned that maybe GR had paid out the full escrow balance to the taxes, but does not satisfy that comment. As XXXX County tax accessor has provided details that there has been no escrow payment in XXXX. I am beyond disappointed in both services as to how they're handling my escrow account. Had I known the irresponsibility of the mortgage services was this bad, I would not have set up escrow into my payment. Now my escrow has been reanalyzed and my payment has jumped from about XXXX to now XXXX due to the incompetence of these mortgage services. Neither XXXX nor Guaranteed Rate wants to speak to me directly to figure this mess out. I have done what I am supposed to as a borrower and make my payments on time. If neither, Guaranteed Rate or XXXX financial want take responsibility for their lack of service, I will be moving forward with prosecution. It just seems as both lenders would rather have my home foreclosed on than to assist me.
Product: Student loan

My student loan was due XX/XX/XXXX and was set up to be drafted on auto pay. I had to take my son to the emergency room which resulted in unexpected expenses and not enough money in my checking account for the draft. On XX/XX/XXXX Great Lakes attempted to take the payment 4 times and then 4 times again on XX/XX/XXXX resulting in XXXX of NSF fees. By the time my direct deposit came through on the XXXX, I was missing over XXXX dollars for a XXXX dollar payment.
Product: Credit card or prepaid card

Want to file a CFPB complaint against Bank of America Credit Card Services for misleading, confusing, and unexplained interest rates increases that dates all the way back to XXXX XX/XX/XXXX when I first opened this credit card account with Bank of America. During the years between XXXX and XXXX half of my annual income was cut in half and I was not able to pay my credit payments to Bank of America, around XX/XX/XXXX I reached out to Bank of America Credit Card Services for assistance in forbearance or secured credit card insurance plan, but was given the runaround and not assisted for a forbearance or secured credit card insurance plan. Then on XXXX XX/XX/XXXX I was forced to file XXXX  XXXX Bankruptcy, because Bank of America Credit Card Services didnt properly assist me at getting a forbearance or secured credit card insurance plan, so therefore I should be refunded for about {$5000.00} to {$6500.00} dollars for misleading, confusing, and unexplained interest rate increases that dates all the way back to XXXX XX/XX/XXXX!
Product: Checking or savings account

My account is overdrawn, and because of the bank 's fees, I could not make a deposit that would bring the account current, thus incurring more fees. This has had a significant impact on my personal finances. I did reach out to the bank and they stated they could only waive XXXX out of the XXXX {$35.00} fees. The total of the bank fees is approximately 8 % of my monthly income.
Product: Bank account or service

I have a line of credit with BBVA Compass for Overdraft Protection. Although this is an open/active credit account, BBVA does not report it to my credit report. I have raised this issue with them, and they tell me that I need to contact the credit bureau. I contacted the bureau, however it is only possible to file disputes for existing information inside of the credit report already. I can not locate an option to 'add ' a tradeline to my credit report- really it is the financial institution that needs to do this. Additionally, I have to say the service at BBVA is not well. Their is frequently a language barrier, the bankers do not know the products or services. Additionally, they do not give consumers all of the available options to avoid fees- that is to say they retain control in order that they can charge fees. Ex : If I forsee needing my OD line, I can not advance it ahead of time. The bank advances it for me, and then charges me {$12.00}. As such, I never use the line because they do n't see fit for me to control my own money. It seems to me they have this practice to charge more fees to consumers. I guess the 22 % APR is n't enough.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 

I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations. 

Failure to take appropriate actions to remedy this matter will lead to my civil right to file a lawsuit seeking monetary resolution via a court in my jurisdiction. 

Drawing from my research and complete comprehension You nor any entity is permitted to keep any non-compliant information, particularly upon it being challenging any or all of the excerpts, dated assignments, ledger balances, audited details, documents of identification, each of the 426- character format fielded P6 statements, pay status codes, alpha-/ numeric-/ and or alphanumeric source codes. Further certificate firmly every single one even each any and or all of the minimal five ( 5 ) portioned personal identifiers, and even the unabbreviated 386 pieces of confirmation to collect. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows : Name of Alleged Creditor : XXXX  - XXXX - I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist Item Complaint Details : You are reporting inaccurate and/or incomplete, unproven, NON-COMPLIANT ACCOUNT INFORMATION. Immediately Delete this Unverified Account. If not, please provide physical proof of verification, along with the requested items within the full context of this correspondence. 

INQUIRIES TO BE REMOVED : XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed :
Product: Credit card or prepaid card

My wife and I booked a hotel room in XXXX, XXXX at XXXX XXXX XXXX XXXX through XXXX. We checked in to our hotel on Monday, XX/XX/XXXX. However, within hours of checking in, our throats began to become sore and we were coughing uncontrollably. We then realized all of this started as soon as we entered our hotel room. I went to the AC unit, which was mounted to the ceiling directly over our bed, and noticed black mold everywhere. The AC unit was white, the ceilings were white, but inside the AC unit, it was covered with black specs where mold was growing unimpeded. 

At this time, it was about XXXX in XXXX ( which would be XXXX EST in the USA ). I called XXXX customer service, and after sitting on hold for a long time, was transferred to a customer service representative. The representative, XXXX, seemed very concerned about the mold I was reporting and said she would send me an email to which she wanted me to respond with pictures of the mold. I received the email from XXXX and promptly responded with the pictures I had taken ( emailed uploaded ). XXXX told me they would contact the hotel to explore options including cancelling of the reservation and moving us to a different room. XXXX said they would be in touch as soon as they heard from the hotel. 

Around XXXX ( again, his would be XXXX EST ), and after not hearing back from XXXX, I called XXXX again. I was not sleeping as I was very sick from the black mold. XXXX said they had been trying to contact the hotel but that they had been told that the reservations desk was not available. Please keep in mind that we were not calling about a reservation but about black mold in our room. 
I then walked up to the front desk and, as expected, there were several employees in the lobby and at the front desk. I told them who I was and they said yes, we know about your problem and will give you a new room. Again, this is minutes after XXXX was told there was no one to talk to. The hotel was clearly not trying to resolve this issue. 

Around XXXX, we were finally shown to another room. In an attempt to be reasonable, we inspected and accepted the replacement room. Soon after, XXXX emailed me again to let me know they had finally spoken to the hotel and that the hotel would be offering me another room ( which, of course, we already knew ). 
During our phone conversations, XXXX representatives told me the investigation was ongoing and that they would let me know if a refund could be provided for the first night. XXXX never provided a price breakdown for the 5-night charge. 

On Tuesday afternoon, the hotel manager called us, apologized for the mold issue and offered to take both me and my wife to see her doctor. We were not sure if it was a good idea to see a strange doctor in a foreign country so we declined the offer. I am including below a snapshot of our XXXX XXXX review that management responded to and again mentions the doctor. I am providing this to help prove my side of the story.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is some errors on my credit report Already contacted XX/XX/XXXXand sent them letters.along with a copy of my credit report, federaltradecommision report, police report, but they still refuse to correct my credit report. There is a name Address, birthdate, social security numbers, credit card account. 
I also already contacted Bank of America About the credit card, but they refuse to close the account. 
Also, I opened a IRA account with XXXX XX/XX/XXXX, a few months later they added that persons name and address to my account And have blocked my access to it. 
Contacted them on several occasions but all they tell me is that is under investigation.its being almost 3 months now! Im really concerned!!
Product: Debt collection

Someone who mumbles his name ( XXXX XXXX ) has called multiple times ( over 20 ) from XX/XX/2019 to present day XX/XX/2019. He leaves a call back number XXXX and a reference number : XXXX I have three saved messages from this guy and over 20 calls with no messages.

this person is now calling my relatives as of XXXX XXXX, 2019. This person claims to be representing American Express. The American express company and I completed our business over three years ago with in their view : me not paying them what they claim I owe.

I am not disputing or wanting you to address the claimed owed. It has been settled and this collector is abusing with phone calls ( first one I told him live over the phone I am not interested in re-opening this dispute, it is closed and to STOP calling. 

I have noticed XXXX XXXX calls from multiple numbers all beginning with XXXX.xxxx He claims to be with American Express XXXX American Express has written off the account balance and I have not heard from them in two years.
Product: Vehicle loan or lease

On XX/XX/XXXX Capital One cashed a check for {$760.00} that was made payable to a different entity. 
On XX/XX/XXXX I called Capital Ones customer service line and spoke with one of the  representatives. After repeating myself several times using simple terms, I explained the error that I had made. 
I had inadvertently mailed Capital One the wrong check. I had mailed my office rent check to Capital One. 
My office, XXXX XXXX, an executive office suit, noticed the error quickly when they received the check that was intended to go to Capital One. 
I explained to the Capital One phone representative who had a difficult time grasping the concept that Capital One received the wrong check. When the representative finally understood, your representative said I should just wait and see if the check clears. 
It was to my surprise, it had indeed cleared. Capital One cashed a check that was made out to a different party. 
I mailed a letter to the attention of the Office of the President at Capital One.
Product: Credit card

I applied for a hardship program when i didnt have a job to make sure i dont have any late fees and interest charge to avoid bad credit ( back in XX/XX/XXXX and I still have the notes on my phone to make sure I follow their rules and regulations ). 
The hardship department implemented the monthly required payment on my account to make sure I dont miss any payment so I can still stay on the program. 

Since XXXX, I have been getting calls from collection department because of my account and I ALWAYS call back or answer to make sure everything is okay and they always say, I dont have to worry about anything because I am enrolled XX/XX/XXXX : I got a call again and the person was the first person that went out of their way to call their supervisor to ask for help as to why I have been getting calls In summary : I AM NOT ENROLLED. They just said the person I talked to on XXXX did not finish my enrollment despite that I listened to the disclosure agreement over the phone and the monthly payment THEY set up They said Its probably their button or the system SO NOW. my credit report has late fees since XXXX until now because of itand they said they could not do anything about the interest charge and my credit report even though I did my part enrolling myself and made a pro-active move to avoid this situation. 

Update : I enrolled myself to a better program now however they CAN NOT give me back the interest charge, only the late fees and they can not help me with the credit report dispute DESPITE that it is their fault and they just gained money from me because of their system difficulties I dont know why they can just say oh we apologize but thats literally why I did what I had to do to avoid bad credit reports. I saved the ladys number and extension that helped me figure it out. She told me that they almost transferred me to a third party company due to this even though I consulted with them MONTHLY. 

I got a job and I am making sure I am paying more than what I should and paying way before the due dates. This credit card company needs to stop scamming people due to their system difficulties.
Product: Mortgage

On Tuesday XX/XX/XXXX when I spoke to XXXX XXXX she read the notes in the file from XXXX XXXX. 

I was stunned because most of what XXXX XXXX read never happened.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 this account was charged off and reported on my credit report as charged off and written off ... So since it was reported that way I ask them to provide me with a XXXX.Since the creditor was supposed to write it on there taxes and send me a XXXX. I request one but there telling me that the account is open now.Doesnt make sense.But yet they reported as charged off and written off on my credit report EVERYTHING is about accuracy ... Fraudulent activity under 15.USC 1681 So if the debt wasn't canceled or forgiving.Why would they report it that way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FOUND A DISCOVER CARD ACCOUNT ON MY CREDIT REPORT THAT I NEVER RECEIVED OR SIGNED UP FOR AND BELIEVE THAT IT IS A RESULT OF ID THEFT. I FILED A REPORT WITH THE FTC, CONTACTED DISCOVER DIRECTLY, SENT INFORMATION TO ALL THREE CREDIT BUREAUS AND ASKED FOR PROOF THAT I ACTUALLY SIGNED UP FOR THIS ACCOUNT WITH NOTHING OR NO RESPONSE FROM THE CREDIT CARD COMPANY. I CALLED ALL THREE BUREAUS AND NOTHING HAS BEEN DONE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is currently reporting an account names XX/XX/XXXX thirty days late for XX/XX/20. I provided transunion proof that the account was paid on time. I disputed the information and their result was that the account was verified as accurate. I sent transunion proof of the payment that was made on time so there is no way the account could have been verified as accurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/2023 ExperianXXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX After reviewing a credit report issued by you Experian I have found many errors. 

Specifically, these errors are in the Personal Informationsection. I am seriously concerned about identity fraud and feel that havinginaccurate information on any credit report can become an opportunity to open meup to identity theft, which I, as a knowledgeable consumer would like to avoid. 

The inaccurate information, as explained in red on the copyenclosed The following address are wrong and I have never been associated with them : XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX Please accept my proof of identity and address in the form of the enclosed documents so that I may have a completely accurate credit report.

Please delete these disputed items. Thirty ( 30 ) days constitutes a reasonable amount of time for investigation. Per the Fair Credit Reporting Act, send me notification that these items have been deleted, as well as an updated copy of my credit report. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. 


Thank you, XXXX XXXX Enclosed : copy of drivers license, and recent original utility bill
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX [ Date ] XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccuracies on Credit Report Dear XXXX XXXX XXXX, I am writing to formally dispute certain inaccuracies in my XXXX XXXX XXXX report. My full name is XXXX XXXX, and my Social Security Number is XXXX. I have identified several errors that I believe require correction. 

The specific inaccuracies are as follows : Bank Name : BANK OF AMERICA XX/XX/XXXX Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Consumer Removed Date : XX/XX/XXXX I have enclosed copies of relevant documents that support my dispute, including [ list any attached documents such as bank statements, correspondence, etc. ]. 

According to the Fair Credit Reporting Act ( FCRA ), I request that you investigate these inaccuracies and provide me with the results of your investigation. I would also like to receive a copy of my updated report reflecting any corrections made. 

Thank you for your prompt attention to this matter. I look forward to your response within the statutory timeframe. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 6 o 2 STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 6 O 4 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.