23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

First I want to say that I was XXXX months behind on my mortgage payment and am in the process of getting caught up. Bank of America started doing the following : To my surprise I received in the mail a XXXX package that I was approved for a loan modification. ( I never applied for one ) When I called the bank they informed me the investor ( XXXX XXXX ) offered me a loan modification that it did n't come from them that they only service the loan. The loan modification stated the rate would be the same but they would stretch the loan out XXXX years and XXXX months and they would now escrow the account. ( Presently I only have XXXX years and XXXX months to pay and for the past XXXX years I have been paying my own insurance and taxes on the installment plan ) I declined the offer and specifically spoke to a customer rep named XXXX at Bank of America. 
Then I get another letter stating my mortgage payment was going up XXXX plus dollars to include my escrow. I called the bank again and was told to protect their interest and XXXX XXXX they were going to do escrow. They called my insurance company and told them they would be doing the payments. I stated again that I never consented or signed any papers for any loan modification and my insurance and taxes were all paid up. They went ahead and requested payment from XXXX XXXX XXXX that was already paid and XXXX sent them {$260.00} which was paid a XXXX time. Then they contacted XXXX XXXX a company that is taking over XXXX XXXX accounts and requested {$1000.00} wind insurance which is not due until the contract runs out with XXXX on XXXX XXXX. XXXX goes ahead before the due date requesting payment and Bank of America sends them a check of {$1000.00} on XXXX XXXX, 2015. Then they added all of this supposedly escrow which was not in place for the past XXXX years and are adding it to my mortgage payment. This will surely push me over the edge when I am trying to get caught up. They already threatened me with foreclosure and have been adding on late fees and inspection fees until I get caught up. 
In summary I never applied or signed for any loan modification. Ask them to prove this and they will be unable to unless they forge my signature. They started this escrow when everything was paid. They plan to do this with my taxes next which also is paid to date. The contract with XXXX was not to start until XXXX XXXX when XXXX XXXX expired and Bank of America sent XXXX XXXX {$1000.00} in XXXX from my supposedly escrow account which I never had in XXXX years adding it to my mortgage payment when all was paid until XXXX XXXX, 2015. Bank of America has created a total mess of my account.
Product: Credit reporting, credit repair services, 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, Account : XXXX XXXX  XXXX XXXX, Account : XXXX XXXX XXXXXXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX XXXX Account : XXXX Has violated my rights. 

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: Credit reporting or other personal consumer reports

Know action has been taking by Experian, XXXX, XXXX on updated information, deleting inaccurate information and updated report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent multiple requests this XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance Owed : {$23000.00}
Product: Credit reporting or other personal consumer reports

I have consistently maintained XXXX payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my XXXX payments for those accounts.
Product: Credit card

American Express XXXX XXXX  ending XXXX It was fraudulent activity and I submitted a dispute, and they still bill me for it and they close the account as well
Product: Credit reporting, credit repair services, or other personal consumer reports

hello I recently checked my credit report and noticed some accounts opened fraudulently. I have contacted the ftc and my local police department the report will be attached to this document. the inquiries are listed below. these inquiries are on my report from scammers running my report. 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 or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1400.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1000.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4400.00} Charged off Inquiry in Dispute : XXXX XX/XX/XXXX Negative Accounts NOT Included in Dispute : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$540.00} Late/Open XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$21000.00} Late/Open
Product: Mortgage

In XXXX of XXXX, we entered into a construction loan agreement with XXXX, utilizing one of their approved builders for the construction of our home. The loan contract explicitly stipulated that the builder was responsible for obtaining permits within 45 days from the commencement of the first loan draw. Despite this provision, XXXX XXXX failed to secure the necessary permits within the specified timeframe. 

We made multiple attempts to address this issue by reaching out to XXXX, specifically contacting our loan XXXX XXXX XXXX, who provided reassurances on several occasions that there was no cause for concern. However, as months passed, our concerns grew, and we continued to communicate our apprehensions to XXXX through XXXX XXXX and XXXX XXXX. 

Regrettably, in XXXX of XXXX, XXXX contacted us, through XXXX XXXX, expressing their intention to recall our loan due to the absence of progress in the construction process. Furthermore, they refused to extend the loan, leaving us with the option to find alternative builders and refinance the amount of {$150000.00}, which they claimed we owed, despite the fact that we have no house and they pay a balance of approximately XXXX XXXX dollars for the lot. 

We diligently proceeded to identify a new builder and promptly submitted all the necessary documentation requested by XXXX to initiate the refinancing process. Despite their repeated assurances that the refinancing could be achieved, we informed them that XXXX other banks had already indicated that such a refinancing arrangement was not feasible due to our debt-to-income ratio. Remarkably, XXXX has set a foreclosure procedure commencement date of XX/XX/XXXX on our property. We have consistently requested an extension of this deadline, affording us the opportunity to sell our property. Unfortunately, our appeals for an extension have been denied without any explanation provided. 

As a direct result of these inexcusable delays and XXXX 's handling of our case, we have experienced significant financial harm that will get worse when the foreclosure procedures start. 

I will gladly provide communications and contracts regarding our case at your request.
Product: Vehicle loan or lease

I purchased a 2013 XXXX XXXX XXXX and omg worst mistake of my life i have contacted credit acceptance and XXXX both consumers gave me the run around and said i will be held responsible for payments still even though i was sold a piece of crap
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputes were sent to Transunion on XXXX XXXX, XXXX asking them to validate the debts by providing proof that these belong to me and are reporting correctly on my credit report. Transunion responded by sending updated credit reports stating that the debts had been verified, however did n't provide proof of how they came to those conclusions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since I didnt initiate the process with the financial institution I was uncomfortable giving the information they where requesting : my Social security number, D.O.B.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX   breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2022, I fell victim to two multi-layered scam operations run by XXXX and XXXX which involved me making deposits for a total amount of XXXX USD from my XXXX  XXXX account to Bank of America at the instructions of the scammers. 
In providing its services, financial institutions as registered and licensed Payment Service Providers, are required by law to exercise the care and skill of a diligent, prudent banker. In this case, this means that the payment service provider should not turn a blind eye to known facts pointing to a real possibility that their customer is a scammer or is involved in potentially fraudulent activity.
Product: Debt collection

This account ( I.C. SYSTEM, INC ) XXXX XXXX XXXX XXXX XXXX, MN XXXX account # XXXX was placed on my credit report XX/XX/2023 with a negative balance of {$14000.00}. I do not recognize the account nor do I recognize the account number. I would like this account removed form my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inaccurate accounts and personal info on my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C Sec 604 Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions
Product: Credit card or prepaid card

I have enrolled in XXXX in XX/XX/2023, a nonprofit debt counseling program, to help me restructure my credit card debt, as I have fallen on hard times. I was trying to avoid XXXX  XXXX bankruptcy. XXXX sends a monthly payment to this creditor, who accepts it, but keeps charging me late fees and over limit fees. They have also reported my account as delinquent with the XXXX reporting bureaus. XXXX has been trying to work with the creditor to remove the default from my credit reports, to reduce the interest rates, and to accept a lower monthly payment, so I can avoid filing for XXXX  XXXX. Instead this creditor is trying to hold my hostage, but charging late fees/overlimit fees/sky high interest rates and strong arming be my reporting I am default/late payments/ when I enrolled in XXXX when there were no late payments or default on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pick up truck was totaled in XXXX of 2019. Insurance paid vehicle in XXXX XXXXAlly Financial has not updated credit bureau.as of XX/XX/2019. XXXX  says I owe {$10000.00}, XXXX  says {$440.00}, XXXX  says account is closed. Also Ally Financial has submitted negative late payments on credit report. I have also tried to submit a dispute with the credit bureaus but they say the information is correct, which it is not
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, XXXX XXXX XXXX add a hard inquiries on my credit reports per XXXX and XXXX. 
On XX/XX/2020, US BANK add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX - CARD SERVICE add a hard inquiries on my credit reports per XXXX and XXXX. The report does not include information about the creditor. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Debt collection

I DO NOT HAVE AN ACCOUNT WITH AFNI. I AM NOT LIABLE FOR THIS DEBT FROM XXXX XXXX XXXX. I AM NOT RESPONSIBLE FOR THIS DEBT
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my ( Experian, XXXX, or XXXX ) credit report, and I noticed some Collections reported on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Your company is in clear violation of the law. Under IS USC 1681C-2- Block of information resulting in identity theft. THE LAW CLEARY STATES " BLOCK Except as otherwise provided in this section, a consumer reporting agencies shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Nowhere in this LAW it states that I have to provide you with any police report. This is clearly a stall tactic and going against my human rights.
Product: Debt collection

I requested a copy of contract with signature from AD Astra Recovery Services Inc.. Copy declined to comply with request. 

Also, requested a copy of contract with my signature via the 3 credit bureau agencies. No reply or response.
Product: Credit reporting or other personal consumer reports

I strongly insist on the removal of this late payment from my account, as it inaccurately reflects my payment history. I have consistently maintained timely payments, and it is unfair to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. A police report has been reported, as wel as, I've contacted the FTC! I've contacted you all previously and these items still need to be deleted from my credit report XXXX, US Dept ED, DeptedXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, and there is an account on there that don't have a name but the account number is XXXX.
Product: Credit card or prepaid card

I opened a debit card account with Wells Fargo and somehow they turned it into a credit card account. I never wanted a credit card account nor did I ever agree to open a credit card account. 

I never realized until recently that I turned into a credit account. I never filled out any forms to open a credit account. 

Also, as a debit card account I would place my money into the account and use it for purchases. When they turned it into a credit account, they started it with my own money.
Product: Credit card or prepaid card

My name is XXXX XXXX formerly XXXX XXXX. I have not been able to access my statements or pay my bill online since XX/XX/2023. Wells Fargo officially took over the XXXX XXXX accounts on XX/XX/2023, but has been in transition since XX/XX/2023. Each month since XXXX, I have been denied access. I have to call and offer my bank account info to customer service. Each month I ask them to help me gain access. I have spoken with Tech support & customer service. I finally spoke with someone who could tell me it was due to my name changing in my divorce. I previously had an account but closed it so my ex couldn't access my funds. The account is still active to the point of recognizing me as a former customer. The Tech agent instructed me to go to the bank branch where I opened the account and show them my Driver 's License to resolve the issue. I went to the branch in XXXX and spoke with an account manager and explained my issue. She opened my account but would not make the adjustment stating that I must first show the document of my name change and my divorce decree. She printed the current statement for me. While there, I complained that I did not receive my statements and when I last called I was over my limit without being notified. She said I could change my preferences when I got online but she would not let that happen. So it seems that anyone can access my account but me. My address, phone number, email address, and, SS # have not changed. Only my last name. My credit card has my current name as does my license. I showed legal documents to get those changed. That should be sufficient. I have returned twice with the documents she requested but there was nobody there that could help me. I told them that my job responsibilities do not coincide with banking hours and they are making this much harder than it should be. They responded by saying they are like doctors and I would make allowances for my doctor so accommodating their hours is my responsibility. I offered to leave the documents they needed but they refused, stating that I had to be present. My license is a legal document that should be sufficient along with the CC, both in my correct name. This is nothing less than bullying.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I was invited to start a " hotel optimization job '' in where money was transferred to a crypto in return of a daily income. When it came to withdraw the money was un-retrievable. I immediately took action where in fact I was told it was a scam. I filed a fraud complaint with my institution where an investigation was done on two wire transfers and was denied my claim.
Product: Credit card or prepaid card

Synchrony Bank for the second time has closed an account of mine for a store card WITHOUT notifying me when I've NEVER missed a payment They claim that they took this action based on internal credit formulas. In essence they canceled my account based on a credit score change that they can't prove affects my payments to them and essentially further plummeting my credit score when I'm breaking my back to pay them over other creditors I've had long before them. This is malicious, egregious, unethical, and intentionally spiteful. I was working and saving to get myself back in a vehicle following an auto accident and now my credit will suffer a devastating blow because a company that I never missed a payment to decided to viciously close my account to make their books look good after I've made payments on time to that account to them. I don't trust malicious businesses.
Product: Debt collection

Cba XXXX has violated the FCRA by not providing me documents to me in regards to this debt and my HIPAA rights because I do not recall giving permission to even release my medical information to them. This account is unverified and immediately needs to be deleted from all my credit files : XXXX, XXXX, and XXXX. The business is to disclose to me ALL signed documents they have recorded and retained in their files that pertain to this debt. If Cba XXXX does not have any documentation, they need to retract this from my credit file immediately
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$280.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX Balance Owed : {$340.00} XXXX XXXX Balance Owed : {$190.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$650.00} XXXXXXXX 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 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 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 XXXXXX/XX/XXXX