23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I had a safe deposit box for about 15 years at Wells Fargo Bank in XXXX, TX ( Specifically it was the branch at XXXX XXXX XXXX, XXXX, TX XXXX -- Safe deposit box XXXX ). I was told when I first paid for the SD box that I would receive my deposit back as long as I return both keys to them when I relinquish the box. Last year, I relinquished the box and returned both keys to them. The representative told me, " Just sign this paperwork and I will get you your deposit back. I signed the paper which said that I have received the deposit back. At first, I was hesitant about this, but the representative assured me that he would return my deposit. So, I signed the paperwork. As soon as I did, he said, " We have no record of you putting down a deposit. '' Then he asked me to leave. 

I tried to contact Wells Fargo about this a few times over the year, but each time my request for my deposit back was unanswered. 

I simply want my {$100.00} deposit back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX The XXXX XXXX XXXX company was removed off my Credit report and as of XX/XX/XXXX it was added back on my credit report. As they were negligent in responding back to my letter and requests. In addition, this debt is older than 5 years of the Statue of Limitations for Florida. The total amount for the Repossession was for {$24000.00}. However, this debt was removed from all of my credit reports. I would like this matter resolved immediately as this a huge impact to my personal credit.
Product: Mortgage

5th3rd is refusing to correct a payment that was misapplied to my loan in XX/XX/2020.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Product: Credit card or prepaid card

On XXXX XXXX, XXXX I called Bank of American to inquire on the status of my Maryland Unemployment card that I was informed by Maryland Unemployment was send the earlier part on XX/XX/XXXX. After being ask several security questions I didnt know the answer to I was transferred several times to finally reach a very helpful lady in Bank of America fraud department. After spending 5 hours on the phone with her we discovered that my card was sent and received by someone other then myself. The card had been used numerous times between XX/XX/XXXX and XX/XX/XXXX around {$16000.00} if purchase. The card was immediately closed. I was instructed to contact the police files and report then contact the claim department to file a claim in order to have the money put back into my account. Which I provided BOA all of the documentation such as police report, proof of identity etc ... .I then had to contact Maryland to have a new card issued and sent to me. All of this was done the very next morning XXXX XXXX, XXXX. Not even 1 week later I received a letter stating the my claim was denied and closed. The letter was dated XX/XX/XXXX. Two days after filing the claims. I immediately called Bank of America to file an appeal also files an appeal in writing. I called every week to check to status. On or around XX/XX/XXXX I spoke with a BOA representative and was told the a provisional credit was scheduled or be placed in my account that it should be posted within the next 24-48 hours. Then on XX/XX/XXXX my card was closed. Apparently I had been flagged for fraud yet again. After several months of getting the runaround Bank of American would tell me to call Maryland UI and Maryland would tell me to call BOA. Finally after 2 months on XX/XX/XXXX my debit card was reopened. On XX/XX/XXXX I called to inquire about my claim since my card was open again when I was told because the card was closed I would have to start the claim all over again. Once again I called about every 3 days to check the status. On XX/XX/XXXX when I called I was told the my claim was yet again closed!! But not was it closed and denying on the 15 but it was closed and decided on XX/XX/XXXX also. Now once again my claim has been escalated. I have called every day since XX/XX/XXXX to check the escalated status and Im told each time that no escalation was submitted but they will submit it right then. PLEASE HELP!!
Product: Mortgage

NewRez, my mortgage company, used predatory and unethical practices to buy insurance for on my mortgage. 

I received a letter on XX/XX/2024 that says : " We have not received proof of hazard coverage on the above referenced property as required under the terms of your mortgage and as requested in previous notices. Because of this, it has become necessary to place lender-placed insurance coverage on your property. '' Yet, I have already sent them my owners policy. They have a copy. 

I called and apparently they are referring to my HOA 's insurance policy. But, that's not what the letter says! It's 100 % misleading. I thought I was already in compliance. 

Also, when NewRez bought insurance on my behalf, certain disclosures should be provided. 
1. How much have you charged my escrow account? 
2. What does the policy cover? NewRez purchase an HOA insurance policy -- which I am only responsible for a fraction of, right? Am I now paying for the entire building 's coverage? 
3. What efforts has NewRez made to get the HOA insurance policy proof of coverage? They know how to do this. They have the information. Or they can look up the property management company and get it themselves. How is it possible that after serving my loan for 4 years, now it's suddenly out of compliance? Why did NewRez not get ahead of this and get a copy of the renewal? 
4. Most importantly, what kickbacks, commissions, and incentives has NewRez received for arranging lender-placed insurance coverage on my property. Clearly there is a conflict of interest. They profit from lapses in insurance and create consumer frustrations on purpose. 

NewRez sent me a vague letter ( not specifically requesting the HOA 's policy ), arranged lender-placed insurance coverage on my property, and made no effort to get the coverage information from the HOA themselves. 

They have the information and means to track my HOA 's insurance, and get the necessary updated statement of coverage themselves. Yet, they have no problem charging my escrow account and disclosing no information about the policy purchase on my behalf. 

This is fraud. This is predatory. 

I am an owner of two condos that are serviced by NewRez. This exact same situation happened with my other condo as well. This is a deliberate and intentional practice of deception and fraud by NewRez. 

Look at the enclosed letter from XX/XX/2024. No where in the letter does it state that they are missing my HOA policy, or what they have done to get the information needed. I know they have my latest owner 's policy because I have evidence of sending it to them on XX/XX/2024. 

I have worked with many XXXX XXXX over the years. Mortgage companies establish connections with insurance providers. In my experience, only NewRez intentionally requires a manual process of updating insurance -- and is shady with disclosures and potential kickbacks and conflicts and changes made to my escrow because of their own incompetence. 

NewRez profits from predatory and unethical practices to buy insurance on behalf of its customers and should be investigated and dealt with. 

https : //www.newrez.com/
Product: Debt collection

Financial credit network keeps adding a debt from a program that my insurance paid for in full. I quit the program the day my insurance cocerage ended. Ive disputed it before and they removed and readded it with a new current date. Now they also have started calling me and giving me attitude! I live in hawaii so their XXXX phone calls are getting on my lst nerve! Ive told them to stop calling me about a debt i dont owe. XXXX XXXX XXXX XXXX should be ashamed of themselves and what their program is really all about
Product: Credit card or prepaid card

i had XXXX in XXXX and was in the hospital for a little over a month and i came out in XXXX XXXX and went back on XX/XX/XXXX for complications and didnt get out till XX/XX/21 i couldnt make my payments to any credit card company and there the only one who reported me late and i called them and told them they said they enrolled me in some program and would wave everyting for 90 days and not they didnt any they destroyed my credit
Product: Credit reporting or other personal consumer reports

**Consumer Financial Protection Bureau** XXXX XXXX XXXX XXXX XXXX XXXX **Subject : Opting Out of Credit Reporting and Violations of the Fair Credit Reporting Act and the Privacy Act of 1974** **Account : XXXX XXXX XXXX* To whom it may concern, I am writing to formally opt out of any credit reporting on my consumer credit reports and to address violations of my rights under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, and the Privacy Act of 1974 ( 5 USC 552a ). As a federally protected consumer, I assert my right to privacy as outlined in the FCRA, 15 USC 1681a, and invoke my right to opt out of any reporting on my credit reports. Reporting my transaction history without my explicit consent is illegal and violates my rights under the FCRA.
According to 15 USC 1681b, I have never given written authorization to report personal information on my credit reports. Furthermore, P.L. 90-321 ( 82 Stat. 146 ) specifies that any agency can only access my report in response to a request by the head of a state or local child support enforcement agency.

In addition, 15 USC 1681c states that no consumer reporting agency may make any consumer report containing adverse items of information other than records of convictions of crimes older than seven years. Any derogatory mark on my report is a violation of this section.

According to 15 USC 1681n, civil liability for willful noncompliance allows for damages of not less than {$100.00} and not more than {$1000.00} per violation. I can prove willful violations and am entitled to compensation.

The Privacy Act of 1974 ( 5 USC 552a ), subsection ( b ), states that no agency shall disclose any record without prior written consent. I have never authorized such disclosures.

Per 12 CFR 1016.1 ( Regulation P ), I have the right to opt out of disclosures to nonaffiliated third parties. Companies must provide a privacy notice and comply with opt-out requests promptly, as per 12 CFR 1016.4 and 1016.7. I have not been given the opportunity to opt out of any reporting. Additionally, 15 USC 6802 requires opt-out notices for any information added to my consumer reports. 
Given these violations, I request the removal and deletion of the XXXX XXXX XXXX account reporting on my credit reports. This is an opt-out notice and removal request, not a validation or verification of debt. 
Thank you for your prompt attention to this matter.
Product: Debt collection

This is a collection agency that I have never entered into any type of contract with. The original account was opened by someone else and the original creditor has been contacted. I have zero business relationship with this company. I have also contacted them on XXXX accounts asking for a validation of signature to prove my contractual relationship with them. They have reported this inaccurate information to all XXXX credit bureaus and it has impacted me financially. I want to save court as the last resort, however, I will take that route because this error on my credit file is costing me a lot more money due to increased interest rates and such.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX was never late! I have had exceptional payment history with XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

I have identity theft and advised the company of this for months and have tried to dispute this o my credit and nothing is working it is XXXX from moneylion
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I sent TranUnion a letter disputing the validity of the bankruptcy. They responded with a letter that it was verified through a third party. 

I informed TransUnion that this bankruptcy has already been deleted from XXXX. I also asked them to provide proof of there investigation. Specifically I asked TransUnion to reveal the method of verification or delete this according to FCRA. They have refused to delete this item and they have refused to respond with verification methods.There actions are impeding my ability to option credit and have costed thousands more in interest. 

The item needs to be deleted from my credit report if it can not be verified with the original creditor within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I have written a formal letter disputing a debt on my credit report placed by a collection agency called Merchants & Medcal Credit Corporation , Inc asking for LEGAL and VERIABLE evidence of a debt belonging to me. 
Merchants and Medcal Credit Corporation , Inc responded to my dispute letter with a bill claiming that this debt is mine. I responded requesting for this item to be removed as a bill is not a form of debt validation, and the proof had to bear my signature. 
Since the second written dispute letter, Merchants & Medcal has decided to bully me with a response stating proof has been provided and they will not respond to anymore of my letters asking for proof nor will they remove the debt that they have not verified. This serves as my FORMAL COMPLAINT as this company is willfully breaking the law and violating my rights as a United States Citizen who has a right to dispute debt and ask for copies of LEGAL DEBT VALIDATION, per the Federal Trade Commission and the Fair Credit Reporting Act. 
Please provide me with a written correspondence of the outcome of this investigation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Credit Bureau Dispute Department Subject : Formal Dispute of Inaccurate Credit Reporting under FCRA Dear Credit Bureau Representative, I am formally disputing the inaccurate reporting of the account " XXXX XXXX XXXX '' ( Account No. XXXX ) on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., I demand an immediate investigation and removal of this erroneous account within five ( 5 ) days, or I will pursue legal damages under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance.

Inaccuracies and Violations : Charge-Off and Balance Discrepancy The account is reported as " charged off '' with a balance of {$4700.00} while also showing a " {$5000.00} written off. '' This discrepancy violates 15 U.S.C. 1681e ( b ), which mandates maximum possible accuracy in reporting.

Incorrect Payment History The payment history inaccurately reflects multiple charge-offs and repossessions for XXXX and XXXX, despite the account already being closed. This misrepresentation negatively impacts my creditworthiness and violates FCRA guidelines. 
Unverified Debt and Reporting Beyond Closure No evidence has been provided to confirm XXXX XXXX XXXX 's right to continue reporting this account in its current inaccurate state. The status update in XX/XX/XXXX should mean no further derogatory reporting is necessary. 
Hindrance to My Financial Opportunities Due to these inaccuracies, I have been denied multiple credit opportunities, employment, and financial products. Under 15 U.S.C. 1681i ( a ), I demand the immediate deletion of this erroneous account.

Resolution Demanded : Permanently remove this account from my credit report.

Provide written confirmation of removal within five ( 5 ) days.

Cease further reporting of this inaccurate information to avoid further legal liability. 
Failure to comply will result in legal action for damages under the FCRA, including statutory damages, attorney fees, and court costs. I expect a response within five ( 5 ) days from the receipt of this letter. 
Sincerely, XXXX XXXX
Product: Checking or savings account

I was charged overdraft fees without the account being overdrawn and while a dispute was going on for an account error with the card creating duplicate charges and fraudulent charges.Since I've gone to bank to resolve the issue only for the representative to take the card and have the card active. This created more issues and more fraudulent charges.
Product: Vehicle loan or lease

It all started at the beginning of the loan. The loan was funded via Santander in which at the start was a challenge. I did not get a bill till about two months later because the funding was ( from what I understand ) delayed because of approval. I did take delivery of the car however, the contract had to be shipped to me while I was in Hawaii. I had someone come out to notarize the signing. There were many issues prior to taking delivery of the vehicle in which my son had to take delivery of it as I was still out of state. I am on a fixed income and did not have the best of credit. I started to immediately fall behind and then started to seek out assistance from Santander. To date they have referred me to the XXXX in Arizona to file a complaint and to inquire about the multi state lawsuit for prefatory lending and other illegal, unethical practices by Santander. I am getting the run around to find out about my status in this class action lawsuit and therefor my complaint today. Can you have the organization put my name on this list that they have to forgive this loan and send me the title as I know I am a victim of their business practice than landed them with this lawsuit settlement.
Product: Credit reporting or other personal consumer reports

I sent a communication to XXXX XXXX XXXX XXXX  on XXXX XXXX, regarding my option to opt out of having my nonpublic personal information shared/reported to any credit bureaus including Experian, XXXX and XXXX. In regards 15 USC Code 6802, it states that : a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party ( XXXX XXXX XXXX AND THE BUREAUS MENTIONED ABOVE ARE NOT AFFILIATED ) any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( They NEVER gave me this information/option ) ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Again, they never gave me that option when the transaction was initially done ).

*Also see ; 12 CFR Part 1016 Subpart A* They DID NOT give me full disclosure when the transaction initially took place, which is misleading and fraudulent.

NONPUBLIC PERSONAL INFORMATION MEANS : personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer ; or ( iii ) otherwise obtained by the financial institution.

NON AFFILIATED THIRD PARTY MEANS : any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution.

I am demanding that this information that I choose to no longer have shared with the bureaus, be removed from all of my credit reports immediately. In addition, compensation for their violations of the law and making my life difficult.
Product: Debt collection

Portfolio Recovery Associates , LLC filed their claim for a XXXX XXXX XXXX  XXXX credit debt against me stating the debt was Opened with XXXX  XXXX on XX/XX/XXXX. This reported date is incorrect, the actual date XXXX XXXX XXXX  XXXX reports is XX/XX/XXXX, see attached document. 
Portfolio Recovery Associates , LLC will not provide the date the debt became past due. I attached a copy of an email from XXXX XXXX that shows the account went past due Sun, XXXX XX/XX/XXXX per XXXX XXXX XXXX XXXX. 
The date the debt became past due is greater than 4 years from the date Portfolio Recovery Associates , LLC filed their collection action per the XXXX  statute of limitations. 

I have sent letters and left phone messages with no response. 
Portfolio Recovery Associates , LLC, XXXX XXXX  XXXX, XXXX, Va XXXX Portfolio Recovery Associates , LLC is not licensed in XXXX  as a debt collector.