23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A . States I have the right to privacy.

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

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

In XXXX our mortgage company took approximately {$2500.00} from our escrow account to pay another customers yearly insurance. Then they added that policy to our account. We already had current, up to date homeowners insurance, the additional erroneous amount of {$2500.00} triggered a escrow account review. Resulting in our payment going up {$160.00} a month! I've called over XXXX times, talked to numerous agents. In the beginning they insisted that I called and made the changes. Then the story changed to identity theft, finally ending with them telling us it was a simple clerical error. None of this has made any sense to us. Now we are being told that the mortgage company is waiting to be paid back from who ever they paid from our escrow account. We've been told that hopefully the money will be returned, then added back to our escrow account. In the meantime, we are expected to happily pay the extra {$160.00} a month. Then if and when the money mistakenly taken from our account is returned, they will do another escrow review and credit the extra money we had to pay. We didn't approve the payment, were not notified till XXXX weeks after and only with a letter saying our payment is drastically increasing. Why do we need to wait to see if our money is returned before they make our account correct? Why do we have to shoulder the extra cost because of their mistake?
Product: Checking or savings account

Dear Sir or Madam, My name is XXXX XXXX. On XX/XX/XXXX, I received an email from Bank of America to confirm an email for an account I did not open. The email stated that " If you dont recognize this activity, call us at XXXX. ". I called that number and after a 30 min delay I finally reached a representative who passed me to another representative, who then suggested I call another number ( XXXX ). I have been on hold for 20 more mins and finally spoke to a second customer representative without a successful resolution. I have spent a total of more than 1 hour on the phone. 

Based on the conversations with the bank it appears someone tried to fraudulently open a bank account on my name. The application process for a bank account is still open ( contingent on providing additional details ). I have notified the bank that I did not try to open a bank account and that it is likely fraudulent activity - but the bank is unable to close that application ( their systems do not allow it ) or to flag that application as fraudulent because it is still in process. 

I would like Bank of America to immediately cancel any outstanding request to open anything on my behalf. I would also like Bank of America to assure me that any future request for any banking activity with the bank will involve a high bar for confirmation to ensure that this does not happen again. 

Thanks and warm regards, XXXX
Product: Mortgage

I received a call from XXXX XXXX ID # XXXX on ThursdayXX/XX/2019 while I was at work. He stated he was from AmeriSave Mortgage Corp and could help me refinance my home for a low rate. I had asked what is a 30 year fixed at this time. XXXX asked a few questions and then stated he could lock me in at 4 %. I let him know I was interested and would call him when I got home from work. I did go home and we spoke again. XXXX seemed to promise me a lot and how no one could beat their rates as they are a direct lender. XXXX stated I needed to go forward in order to lock that rate in. XXXX mentioned same thing while I was at work. He repeated that many times making me feel I would miss an opportunity if I didn't proceed. I mentioned I needed to confirm with my fianc and he stated I could fill out and schedule an appraisal. If we decided not to move forward we didn't have to. I moved forward with the info he had told me feeling like I could back out anytime. I was told it was a XXXX deposit for the appraisal. I was under duress as he kept stating no one could get rates that low and if I didn't act I could lose that rate. What brought up the red flag was how persistent he was being. He wanted to schedule the appraisal the next day. I told him I had to work. He asked could my fianc. I said she had to work. He then asked can you leave at lunchtime or can anyone else meet them. I started getting nervous and Said I would let him know but we are not doing the appraisal tomorrow. I conferred with my fianc and she did not want to move forward. I spoke to XXXX the very next day. Friday XX/XX/2019. I told him we were not going to move forward. Thats when he said well your going to forfeit your XXXX. I said why we didn't receive an appraisal? He said well its non refundable. I have disputed my charge with XXXX   which is my credit card that I used. Thats when they informed me of this site and I could see all the similar write ins on AmeriSave. I hope something can be done about their deceptive practices.
Product: Debt collection

I, XXXX XXXX, ask for immediate action based upon this complaint on a California based collections agency, Midland Credit Management , Inc. XXXX XXXX XXXX, XXXX XXXX, California XXXX on the premise of a Texas lawsuit filed on XX/XX/XXXX : Case No. XXXX for a collections account. 

I, XXXX XXXX have never signed a contract with Midland Credit Management XXXX Inc. at any time. There is no agreement with wet ink signature to establish a contract with Midland Credit Management , Inc. at any time. Furthermore, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX Texas XXXX must cease and desist and all collection tactics as well as lawfare. My consumer rights are protected under the Fair Debt Collection Practices Act ( FDCPA ) protects you from unfair and abusive debt collection practices. This federal law limits what debt collectors can do when attempting to collect debts that are primarily for personal, family, or household purposes. 

This complaint is also a privacy violation according to The Privacy Act of XXXX, which establishes rules for collecting. Also according to the Texas Data Privacy and Security Act Conducting data protection assessments for certain processing activities, including processing for purposes of targeted advertising ; the sale of personal data ; processing for purposes of profiling when profiling presents certain reasonably foreseeable risk [ s ] ; processing of sensitive data ; and any processing that present [ s ] a heightened risk of harm to consumers. Given the severity a CONTRACT was never signed by the consumer with Midland Credit Management Inc. establishes a failure to uphold federal protections, I formally request discharge and cancellation of this debt in full.
Product: Debt collection

Around XXXX XXXX  XXXX I called Synchrony Bank because I received a notice that I updated my personal information. There was fraud on my account and I had updated my personal information a month or so earlier. I was unable to answer the questions the customer service asked and they would not confirm my information, concerned about the previous fraud I asked them to cancel my credit card with them which they did. I never received any further communication from them. Around XX/XX/XXXX I received a notice that I had around {$3000.00} sent to collections from my canceled credit card. I was not aware I had any balance on the card, nor have I received any mailing, email or phone call concerning any debt. I called Synchrony Bank and they could not tell me what the charges were as the account was closed. I asked if they had billed me for the charges and they said they do not send out bills once an account was closed. I asked how would I pay my final amount if you don't bill and the customer service could not answer. I asked them to send me a bill with detailed charges, and they said they could not because it was in collections. I then called the collections agency, who put in a request to Synchrony Bank to send me the charges. It has been 45 days, the collection agency is calling saying Synchrony has sent me the detailed charges. I have not received any notification and have no way to re-request the charges.
Product: Credit card or prepaid card

Dear, Im XXXX XXXX vet, on XXXX XXXX I purchased {$220.00} groceries of {$67.00} of sea food unfortunately they were expired on XX/XX/XXXX, the Tag shows sell by XXXX XX/XX/XXXX, on XX/XX/XXXX, i called the merchant XXXX XXXX XXXX XXXX and explained the situation I was told to bring the receipt and tag for refund also I told them I live 34 miles away and usually I shop once a month they said no problem we are very sorry and they will remove other expired sea food on shelves on XXXX XXXX I went there to get refund and shop but other manager stated no refund we dont refund after driving additional 68 miles, so I called XXXX Again he said if I FILE DISPUTE I will get my money back, So i filled dispute with PenFed about the charge {$220.00} a week later PenFed denied It without sending it to the merchant and no reason given so I called Penfed on XX/XX/XXXX spoke with XXXX XXXX she said they are so busy thats why they denied it but i will send an email to them to reopened and on XX/XX/XXXX after calling I was told my Dispute is not going to open but send email to card service maybe they reopened and get your money back, this is unethical and wrong since the merger PenFed service are in declined the dispute processes are different and not logical if they send my dispute I will get my money back. 
Thanks
Product: Credit reporting or other personal consumer reports

company has failed to correct my credit report for the late payments submitted by XXXX XXXX XXXX. there continued fraud is causing me alot of issues. we have court XX/XX/XXXX with them would you like to be sued as well? i suggest one last time you remove all late payments posted by that company during the timeframe we have not been delivered what we purchased which is from XXXX and beyond of 2021 the next person to ask you will be a judge. credit acceptance did not provide the goods and services to us that we purchased. this is our final demand as we will be Sueing you for damages and our inability to properly use pr credit which is now your fault as well you have been given ohhh XXXX pages of documents you should have reviewed ewould you like me to forward you our XXXX in damages we are sueing the bank for i have not figured out what your portion of fault this is but im sure the judge can if you dont immediately make corrections
Product: Debt collection

Problem : This company has been transfered a debt from XXXX XXXX XXXX who was unable to provide strict proof of contract as requested. Since the could not provide strict proof of contract, they transfered the debt to this company, who also cant provide strict proof of contract because the company before them were unable to. This company XXXX XXXX XXXX XXXX XXXX along with XXXX XXXX XXXX, XXXX Inc, and XXXX XXXX have not provided any documentation the establishes that i entered into a contractual agreement with any of them. None of them have provided strict proof of contract to substantiate there claim. This company is in violation of the PA XXXX rules of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/XXXX I filled out a deferment request to Georgia Student Finance Authority. I never heard back in over 1 month. In XX/XX/XXXX ; I received a letter stating the form I sent was not the correct form and my request was denied. Around XX/XX/XXXX my credit report was reported that my account was 30, 60, 90 days past due and my score dropped 100 points. I filled out another form exactly the same as the previous form and in XX/XX/XXXX I was granted the deferment. I made payments in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Product: Debt collection

I received an income execution from the Supreme Court of the State of New York County of XXXX. The creditors are Midland Funding. At no time did I receive any warning or was I ever notified that I was being taken to court for this. I had no prior notice of this until I was sent the income execution in the mail. Further more, I went on to can you help methe Midland Funding website to check the bill and I see payments have been paid on this account as recently as XXXX of XXXX. I did not make these payments as I did not know about this outstanding bill from XXXX. I never received notice of their intent to sue. Furthermore I am asking for a fraud packet and am getting a run around. Can you please help me?
Product: Checking or savings account

I Bank at BMO Harris Bank N.A . Someone stole my name and account number and created a check ( which also used an address that I haven't lived at for 30 years ). Someone went to a bank and deposited it. They took the money from my account for the check and transferred it to the scammers account. Please note, this was from my savings account that has never had checks issued for it. BMO Harris refused to reimburse me the {$19000.00} that was taken from my account from the check. I didn't write the check ( and they know that ). I didn't have anything to do with this. BMO Bank N.A . should have known this check was fraud. The signature on the check was wrong, it was from a savings account that had no checks issued for it and it used an address from 30 years ago that didn't match the address for the account. I don't understand how I can be held responsible for their mistakes. I am XXXX XXXX XXXX and my husband is XXXX XXXX XXXX. We have had health problems recently and are not good with technology. I feel BMO Bank is hoping we will become to frustrated to keep fighting them on this. {$19000.00} might not be a lot to BMO Bank but it is to us.
Product: Checking or savings account

I had an account with navy federal. And back in XXXX, Navy federal paid a bill that I didnt have the money in the account for. After they paid the bill and I was then in the negative, I started getting over draft fees for every day the account was overdrawn. The account was closed and in XXXX, I tried to open a new account with them and they said I couldnt because I had a previous account with an outstanding balance. When I asked what the balance was, I didnt receive a response. I then asked if they could mail me my last statement or an itemization of the debt I owed and I never got it.
Product: Credit reporting or other personal consumer reports

I am sending this complaint to address a persistent and troubling issue regarding the incorrect reporting of late payments on my credit report. Despite my numerous attempts to resolve this matter, I have yet to receive a satisfactory response, prompting me to formally dispute and request the prompt removal of these inaccuracies. 
I have been diligently working to rectify this issue, and it is disheartening to see that my previous efforts to communicate and correct the inaccuracies on my credit report have been unsuccessful. I am perplexed as to why my requests have seemingly been disregarded, particularly given my status as a victim of erroneous reportingXXXX XXXX XXXX XXXX XXXX
Product: Credit card

I scheduled a payment for {$2000.00} for the due date on my capital one credit card. There is a {$2000.00} limit and was over the limit. I normally pay $ XXXX payments monthly and regardless of the time or day those are made the credit is made available to me immediately. This time I paid off the balance and the company cant charge me interest so they have held my payment for up to 14 business days. The money has left my bank account and is supposedly pending on capital ones end. I find this wild considering they are release my available credit immediately any other time I make a payment. So consumers are punished for paying off their high interest credit cards by not being allowed access to their credit immediately like in any other situation.
Product: Debt collection

I am writing to dispute information on my credit report that was reported without my written consent, in violation of 15 USC 1681. According to the Fair Credit Reporting Act ( FCRA ), creditors and credit bureaus must obtain written consent before furnishing or obtaining consumer information. 

Upon reviewing my credit report from XXXX, I discovered WF/DILLARD XXXX, Date opened XX/XX/2017, Status Closed/Paid or paying as agreed were reported without my written consent. I hereby request that this information be investigated and, if found to be reported without proper consent, be promptly removed from my credit report.
Product: Debt collection

I had received a call a while back from iq international. I reached out to XXXX at XXXX in XXXX XXXX for my leasing agreement which they failed to provide to me stating they no longer have it. I had also emailed iq international to verify this debt at which they did not reply. I had also emailed them to stop calling me at which they did not correspond to. Also getting harassing phone calls from unknown, no caller ID, XXXX, XXXX numbers. Tried disputing this with XXXX.
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 DEPTEDXXXX 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. 
0 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

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

I have applied for a 30-year fixed refinance on my variable mortgage loan to the bank who has been caring my existing loan for the past 9 years. My payments have never been late during this time. However, I was declined based on " delinquent accounts, '' and " many inquiries. '' In 2011, after the mortgage crash, I was forced to short-sale XXXX of my XXXX homes. And, these short-sales caused me a tremendous drop on my credit rating ( from XXXX to XXXX ) despite my credit history. 
My next question is the following : Why if I have been checking with banks for lowest mortgage rates, these inquiries have recently caused my credit points to drop from XXXX to XXXX when I had not done any credit application, have only looked for information on possible refinancing, and have paid off many of my accounts including my car loan? Why should the consumer be penalized when looking?
Product: Checking or savings account

The funds in our account in the amount of {$1900.00} were withdrawn on XX/XX/2023. We contacted the tax department that had levied our account. I was told by the tax department employee that she had instructed Bank of America to hold the funds until she had reviewed the file. She then informed Bank of America that they should issue a check to the tax department for {$300.00} and the balance should be deposited back into our account. This was handled within a week of our account being levied. I was assured by the tax department that Bank of America had received all information they needed to deposit the money back into our account. 

Bank of America did not follow the instructions they were given and mailed a check for the entire amount of {$1900.00} to the tax department. Once the tax department received the check with the incorrect amount, they returned the Bank of America check back to them on XX/XX/2023. I have contacted the bank at least 25 times to find out why our money has not been returned. I've been told mostly that it's because they can not return the funds until they receive the check back. It's a Bank of America check written by Bank of America. I've asked them why they can not issue a stop payment of their own check. I've been told they can not do that. Today is XX/XX/2023 and the funds have still not been returned to our account. Of course, every time I contact Customer Service, they have to talk to the Legal Dept and half the time the answer that comes back from the Legal Department does not make sense. How can a bank keep a customer 's money because of an error the bank made?
Product: Credit reporting or other personal consumer reports

I am writing to express my profound disappointment and frustration to follow up regarding the persistent presence of fraudulent items on my credit report. Despite previous complaints and attempts to rectify this matter, the fraudulent entries remain unresolved, causing significant distress and financial harm. 

As I have previously communicated, these fraudulent items are not only inaccurate but also detrimental to my financial well-being and reputation. Despite providing extensive evidence and documentation supporting my claims of fraudulent activity on my credit file, it appears that little progress has been made towards resolution. 


I demand immediate action to thoroughly investigate and remove these fraudulent items from my credit file. It is imperative that your team conducts a comprehensive review of the evidence provided and takes decisive steps to rectify this egregious error. 

I expect a prompt response to this complaint, outlining the concrete steps being taken to address the fraudulent items and a definitive timeline for resolution. Additionally, I request regular updates on the progress of the investigation until this matter is satisfactorily resolved. 

Failure to take immediate and decisive action to rectify this situation will leave me with no choice but to escalate this matter to relevant regulatory authorities and pursue legal recourse to protect my rights as a consumer. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX AZ XXXX XXXX XXXX Balance Owed : {$150.00} XXXX XXXX XX/XX/2020 XXXX : XXXX XXXX XXXX XXXXXXXX, AZ XXXX.