23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We got a bill in the mail from Bank of America to pay our new escrow due. We did n't understand why the escrow due did n't reduce because two months prior we learned that one of our mandatory forced insurance premiums went down by {$300.00}. Upon investigating, we learned that our hazard premium 's dwelling value dropped by {$30000.00}. No one at Bank of America could tell us why. The other forced flood premium was still holding a dwelling value of {$40000.00} more than the hazard dwelling value. No one from Bank of America could tell us why. We were directed to call another number and it turned out to be the claims dept for the flood insurance and they could not help us. We then telephoned the phone number at the bottom of the hazard declaration page and it was not the insurance company named at the top of the page, but it was called Bank of America Insurance. Not even XXXX there could tell us why the dwelling value dropped, nor why it differed from the flood policy 's dwelling value by {$40000.00}. We then discovered that, ever so oddly, our city taxes and our flood premium went up for the new year the same exact amount our hazard policy went down - literally by the dollar. We are fascinated, but still, no one had any explanations for any of the changes. Bank of America said they would start a review. We 've heard that before when the difference between the two policy 's dwelling values were only {$10000.00} off from each other for the last 10 years. It makes no sense that the old difference has now turned into a {$40000.00} difference in value. We get no answers. We never get any money back when policy premiums drop. Why this year it happened we still have no answers for. Can you tell us? We tried to file through NYSDFS, but the claim 's Submit Button would not work.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are reporting negative information on my credit report which is extremely inaccurate. I have never made a late payment to your company. This is a violation of my rights of the FCRA, and I will be seeking legal action and compensation for this under 15 USC 1681. The inaccurate reporting of this account is an adverse action and a defamation of character. It has be on my report for too long. I HAVE NEVER MISSED A PAYMENT. XXXX  and XXXX reflect that as well. Please correct my XXXX report.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XX/XX/XXXX in the amount of {$720.00}. a personal credit card account opened at XXXX XXXX XXXX XX/XX/XXXX in the amount of {$530.00}. a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$1600.00}. A personal credit card account opened at XXXXXXXX XXXX on XX/XX/XXXX in the amount of {$430.00}. A personal credit card account opened at XXXX on XX/XX/XXXX in the amount of {$720.00}. A personal credit card account opened at XXXX XXXX on XX/XX/XXXX in the amount of {$0.00}. A personal credit card account opened at XXXX XXXX on XX/XX/XXXX in the amount of {$0.00}. A personal credit card account opened at XXXX on XX/XX/XXXX in the amount of XXXX. A mobile account at XXXX XXXX on XX/XX/XXXX in the amount of {$990.00}. A mobile account at XXXX XXXX on XX/XX/XXXX in the amount of {$1900.00}. a account at XXXX XXXX XXXX opened on XX/XX/XXXX in the amount of {$240.00}, a personal credit card account at XXXX XXXX opened on XX/XX/XXXX in the amount of {$0.00}. a personal credit card account opened with XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$230.00}. a account with XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$9500.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX, XXXX, XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX says XXXX. And Equifax can not submit my credit. Send to to lock and alert which requires money and sends back to annual credit.
Product: Debt collection

On XX/XX/2019 was my first appointment with XXXX XXXX XXXX an XXXX XXXX practice. This visit was originally suppose to be coded and billed as a " First time new patient visit to establish '' and it was not as reported by XXXX. I later received this bill and have been in dispute of it because in all the years I have been on XXXX and XXXX I have never paid for a doctor 's visit except for any copay that might be due which was about {$3.00}. 

I contacted the billing department at XXXX and XXXX and they have said they would take care of this issue. I was billed again and contacted the billing department again and they said the doctor is refusing to update the notations so the right coding can be submitted to XXXX. Today I received a debt collection letter about this bill that should have never been from day one. Even after my check-in on that first visit and I was advised there is no copay or no bill that would be due.
Product: Mortgage

[ Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Email Address ] [ Date ] Fay Servicing [ Department ( e.g., Customer Service, Billing ) ] [ Address ] [ City, State, Zip Code ] Subject : Request for Cancellation of Unanticipated Fees Dear Fay Servicing Team, I am writing to formally request the removal of legal fees charged to my mortgage account. I was unaware of these fees, and upon review, they appear to be unsubstantiated. As a result, I believe they were applied in error, and I would appreciate your assistance in canceling them. 

I have been diligent in managing my account, and these unexpected fees have caused me significant concern. To ensure clarity and transparency, could you please provide a detailed explanation of these charges and confirm the removal of any fees deemed unnecessary? 

Thank you for your attention to this matter. I look forward to a timely resolution and confirmation of fee removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Let me start by letting you know Im getting very frustrated as I have been trying to resolve this with you for over a year now. You recently sent me a letter which stated that you verified that a bankruptcy is accurately reporting on my credit report. I wrote back to you on XX/XX/2021 and did not receive a response and the disputed information still remain on my credit report causing harm to my character. Ive filed complaints with CFPB and the Missouri Attorney General against your company after I have documented that you are not telling the truth. I have evidence from the courthouse that this information was never furnished by them so your company DID NOT follow proper procedure to obtain this information. 

There is no such thing as a public record for the consumer because I have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
You can not continue to violate my consumer rights! 

If you investigated this bankruptcy, tell me who you interviewed and if you interviewed them, it should NOT include facts pursuant to 15 USC 1681a ( e ). The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I have World Finance on a payment plan for {$260.00} through XXXX XXXX XXXX with their payment plan. I had to pause the payments until I get well due to sickness. World Finance keep flagging my credit report that keeps dropping and damaging my Credit Report and Credit score I have proof
Product: Checking or savings account

On XX/XX/2023, I was informed that Bank of America decided to close my checking account. I was also informed that it would take approximately 2 months for them to send me the money I have in my account. They would not tell me why they were closing my account or why it would take two months to get my money. I have over {$12000.00} in my account now. I need to access to my money to pay my mortgage, my employee 's salary, and other bills. I don't think it's right or fair that I have to wait so long to get my money. Denying access to my funds will cause hardship for my employee and cause me financial harm. I will be charged late fees on my bills and mortgage that I pay late. This will also harm my credit standing as late payments are reported to credit rating agencies. If the bank wants to close my account, that's fine, but I need them to send me my money immediately.
Product: Payday loan, title loan, personal loan, or advance loan

Speedy Cash withdrew money from my bank account by cashing a check that I did NOT authorize, sign, or provide to them. I had taken out a loan with them, but at no point did I give consent for them to create or deposit a check on my behalf. 

I discovered this unauthorized transaction when I checked my bank account and saw the check they had processed. I immediately contacted my bank. After disputing the transaction, I was able to get my money back, but this should have never happened in the first place. 

This was an unauthorized withdrawal and a fraudulent action on their part. I am filing this complaint to report their deceptive and predatory behavior so that it does not happen to anyone else. Speedy Cash should be held accountable for these illegal practices.
Product: Credit card

On the XXXX XX/XX/2023 I tried to buy some hand bags online on the XXXX, using XXXX digital card from Wise. When I was completing the transaction they took my card details and XXXX XXXX, after a week ( XXXX XX/XX/2023 ) they emptied my bank account on Wise sending over XXXX $ in more than XXXX transactions to a site in XXXX XXXX in XXXX. Obviously all UNAUTHORIZED Transactions. I informed immediately the bank that those are unauthorized transactions but they didnt replied to me. How can I proceed in order to get a refund for my losses? Theyre still trying to get my money but right now I blocked the card so the last transactions ( XXXX XX/XX/2023 ) has been refused!
Product: Checking or savings account

My Direct deposit from my employer goes into my checking account late Wednesday or early Thursday mornings. I received email communication from Capital One that there was an issue with some of their direct deposits posting and XXXX transaction and it would be resolved Friday morning. I called Friday XX/XX/year> at XXXX EST and was on hold 2 hours and 16 minutes before a representative came on. Stated they do not have an estimate when direct deposit would show to accounts, asked if company was compromised, related to the lawsuit agent them or how they would be correcting. First representative stated there was an issue with the 3rd party vendor that processes ACH and deposits, the supervisor stated that their ( capital One ) server lost power and caused the issue. No clear answers given on reason or when it would be corrected. When asked any questions asked they read from aa script that provided no answers. This is causing an undue hardship for my household due to their negligent act to not correct or add provisional credits for not processing employer based income by direct deposit. I believe by not providing direct deposit by next business day I believe violates the law. I requested email communication of status or updated status of not providing my direct deposit and received nothing other than I will provide your feedback.
Product: Debt collection

Allied consulting service continue to call and text my phone and my husband phone. We do not have an account with them and have never had an account with them. We have good credit. My husband is an XXXX vet XXXX years and he has had a XXXX. I am his legal caregiver. We are constantly harassed. I have asked them verbally to stop calling. I have called them and provided both numbers to stop calling and they still call and send text messages. I was hung up on when I asked them to stop calling. Today I sent them a message on their website and provided both number and asked them to stop calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting incorrectly that I am 150 days past due on the XXXX - partial account number XXXX. ( Please see pages 3 and 4 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Debt collection

Debt collection company keeps calling me about a contract that does not exist between myself and them. Want debt removed from credit report and calls to stop. These people are not the original holder in do course. That debt was charged off via their records.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

XXXX XXXX XXXX XXXX balance {$2100.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX XXXX XXXX  XXXX balance {$310.00} - Account is reporting inconsistencies and inaccuracies. XXXX XXXX are showing different dates at each bureau. 

XXXX XXXX XXXX XXXX XXXX balance {$280.00} - This account has not been updated correctly. You are still reporting an incorrect payment history so please delete this. 

XXXX XXXX  XXXX balance {$600.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. 

XXXX XXXX XXXX XXXX balance {$1700.00} - This account belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Me and my mom use to have a card with XXXX XXXX cleared off years ago, I tried to find out what is wrong but stuff on report they claim that equifax was sent notice of being fixed even sent my idea and requested a call but equifax and XXXX XXXX said they could do nothing tell this is fixed so I am again sending equifax a request as we mailed that copy of bills showing address and license of myself and it still is off even sent copy to XXXX XXXX to proof it was myself, not sure why this can not be fixed over the phone or what is going on one blames the other mean while darn card gets denied for reason that should not exist and number for my house been sent correctly to all parties plus my cell number been the same for over 12 years so I am confused obviously if they see my license it should be correct and will resend this to equifax and XXXX XXXX  again, not sure if issue when equifax got hacked and old stuff on my report, but this been sent to equifax 4 times and now XXXX XXXX XXXX time or so. Own house number XXXX XXXX XXXX XXXX home XXXX or cell no text XXXX only for text XXXX noted on letter with my address verification to bother parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ed Financial Services and Department of ED XXXX are reporting double accounts for the same amount. One account from Ed Financial for XXXX and the same account being reported by Dep. of ED XXXX for XXXX. And this amount twice/ {$81000.00}, and this amount twice/ {$30000.00}. 

In Essence, I only have one loan with one servicer, but it is being reported to my credit report that I have two servicers, and two loans. Six loans total, which is inaccurate. 
XXXX x XXXX XXXX x XXXX XXXX x XXXX Please have them correct this error as it is negatively affecting my credit score and XXXX, thus causing me to not qualify for much needed loans, and a mortgage I am trying to qualify for. Therefore causing me financial harm.
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX Account # : XXXX has violated my rights. 

Account Name : XXXX XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX Account # : XXXX Account Name : XXXX Account # : XXXX I looked at my XXXX credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. According to the Fair Credit 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 reports relate according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 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 ( ii ) promptly notify the furnisher if 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 1681 SECTION 602 A. STATES I HAVE A RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH An ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S.C 1681C. ( A ) ( 5 ) SECTIONS 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: Mortgage

To whom it may concern, I have been going through so much XXXX due to my home being in foreclosure. I have made several attempts to be approved for a modification and they dont want to provide me with home retention options. This has been going on for three years, and they have not offered me in this time a workout plan, not even a repayment plan. I keep falling further behind, and the debt keeps growing. In the last denial they stated the following " after careful review of your account, we find that there are no home retention loss mitigation options for which you are approved '' they keep offering me to do a short sale or a deed in lieu. Last year I was hoping to get approved for a HAMP modification but that did not happen, they kept saying that the investor keeps denying loss mitigation options based on a business decision. They also keep saying my income is not enough. My gross income is almost {$7000.00} and it has been like this for years, I have a big surplus at the end of the each month, so I am saving money. I have an arm loan with a 7 % rate, and my mortgage payment was almost $ 3k. I fell behind due to loss of job, but I have found a very stable job. It frustrates me because I have enough income coming in to be able to make my mortgage payment, and pay my other expenses. I dont even pay for a car, I finished paying it and I only pay for insurance. I want them to see that I have enough to pay my mortgage, and of course an affordable mortgage payment. Ive spoken with friends that have SPS as  their mortgage company, and two got  modified already and they have a lower income than me, how can this be? Does SPS want me to be earning {$10000.00} a month to get approved? I believe that even if I earned this much they will still deny me. I believe that almost {$7000.00} a month is good income for a high school dropout, and I have been very responsible with my money, even created a budget. I just want a fair opportunity, and for the investor to consider me for home retention options. I recently submitted an application, and I have to submit some missing documents so I dont get a sale date. I would also like for SPS or the investor to provide a more detailed response on why they cant provide home retention options " based on business decision ''. It is not fair that there are so many modification programs out there, and they dont want to approve me for anything. I will provide any necessary documents that they request, I need help I have my children at home and i have invested so much. <P/>Thank you, XXXX XXXX