23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX I had to file a personal bankruptcy ( due XXXX bankruptcy filing ). Bank of America ( BOA ) listed my personal home mortgage as a charge off on my credit reports. ( Only XXXX credit cards used for my business were included in the bankruptcy filing. ) Twice I contacted the BOA credit department who informed me that I had never missed a payment, nor had I ever been late on a payment and that the credit report would be changed to remove the charge off. Both times subsequent credit cheks revealed the charge off had not been removed. Another BOA department informed me that I had not signed a letter of reaffirmation within 30 days of my bankruptcy filing. Neither BOA or my attorney informed me that this was required or might be required. BOA said the reaffirmation signing was a company policy, not a law, and still refused to remove the charge off from my credit reports. I have always maintained a pristine credit rating my entire life and find their policy to be extremely unfair.
Product: Credit card or prepaid card

I hope you are having a great day, I am writing today in regards to my account with Capital One account # XXXX I am hoping you can help me. I noticed a late pay in XX/XX/2022 I want you to know that I understand my financial obligations, and if it werent for me getting sick, Id have an excellent repayment record. I made a mistake in falling behind, but since then, Ive made my finances a priority and have organized all of my accounts and payment due dates, both on my computer and on paper, along with notifications and reminders for each one.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Day, My name is XXXX XXXX XXXX and I am reaching out to complain on TransUnion for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. I have filed a police report and identity theft report ( XXXX ) and still refuse to help. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Product: Credit reporting or other personal consumer reports

I appreciate your quick action and effectiveness in removing some of the negative information that was previously listed on my credit report. For now, I believe there are still issues with my file that need to be fixed. I thus ask that all of the false information attached and listed in my credit file be corrected right now. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I request a detailed description of the procedure used to determine that I have a contractual obligation from the date of account creation until the date of last activity. Please ensure this information is 100 % correct and accurate based on the total amount you claim I owe. Also provide me with the name, address, telephone number of each person who verified this alleged account that you have purchased or been assigned from the original creditor or account holder that vou are stating is your source for the inaccurate information that you claim is 100 % correct and accurate. Be sure to provide the name of the employee, the number that was called, their position in the company. I am sure you know that a printout of a bill or itemized document does not constitute verification according to FTC opinion letter from Attorney XXXX XXXX XXXX. I have attached the documents that were sent in response to my request. I require compliance with the terms and conditions of this letter within 30 days of your receipt, or a complete removal from my credit profile, in writing, of your claim. After thoroughly reviewing 15 U.S.C. 1692g, I noticed multiple violations. As stipulated by the Fair Credit Reporting Act ( FCRA ), any information reported to credit bureaus must be accurate, complete, and verifiable. And according to 15 USC 1681b, this company has not provided sufficient evidence demonstrating that there is a permissible purpose for the reporting of this debt according to my facts. ( See Attachments ) I am requesting that you thoroughly reinvestigate this. Make sure that all relevant documents and information supporting the validity of this debt are available for examination in a timely manner. Specifically, I ask for verification of the original creditor, the amount owed, and any applicable contracts or agreements such as the purchase and/ or debt agreement. Please also provide proof that this company is able to collect this debt on behalf of the original creditor or any other subsequent purchasers. I require compliance with the terms and conditions of this letter within 30 days of your receipt. If you can not comply, I demand a complete removal of your claim from my credit profile in writing. In the event of noncompliance, I reserve the right to file charges and/or complaints with the FTC, attorney general, and appropriate county, state, and federal authorities. I also reserve the right to take private civil action against this company to recover damages. Stop all collection efforts, including communications such as phone calls, texts, automated messages and reporting to credit reporting agencies and/ or third parties until this request is fulfilled. Reporting inaccurate information to the credit bureaus is fraud. This notice serves as my final attempt to urge your compliance with the laws under the FDCPA and FCRA. If deemed necessary, I will seek legal advice, which may result in federal or small claims court action to seek damages against your company for violations, including defamation and false claims.
Product: Mortgage

I am an XXXX XXXX XXXX vet who used the VA loan for a current home. I have been in our home for just over two years. Our mortgage is with : Lakeview Loan Servicing , LLC ATTN : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Virginia XXXX, VA XXXX XXXX I was recently awarded a XXXX XXXX XXXX XXXXXXXX rating as of XXXX XXXX. I called Lakeview to inquire about the process for providing documentation to remove the property taxes portion from my monthly loan payment. After spending a while on the phone the customer service agent told me I could either fax the documents to XXXX, which I did on XXXX at XXXX or submit them online. I was told the request would take 3-5 business days to complete. I called on XXXX and was told they never received anything. I was told that I should instead upload the documents through the website vs fax. The reason I faxed it on XXXX is because the process they were giving me didn't work online. When I called on XXXX, I asked them to walk me through the process. I was transferred multiple times and had to call back because the department they sent me to wasn't receiving calls. 

I explained my frustration because ultimately I'm paying escrow that I am not legally required to because of the XXXX XXXX XXXXXXXX rating ( Texas ). I was then transferred again to web support and when they walked me through the process, but it wouldn't allow me to submit it. He told me, yeah it's not working and I already let them know. 

I told the previous customer service agent that the process to remove property taxes from escrow is complicated and really not designed to actually assist the customer. With a VA loan, mortgage companies should have a simple process to address these types of changes especially since many veterans ' XXXX amounts change so often. 

I explained I will be mailing the next payment and omitting the property tax in the amount of {$790.00} until they finally process everything and was told that's fine. " That's fine '', as in if you don't send us the total amount, we'll penalize you for it. 

Essentially, this is how Lakeview chooses to treat Veterans. My taxing authority ( XXXX XXXX, TX XXXX XXXX XXXX ) told me that most mortgage companies simply call them to verify the " XXXX '' taxes. I understand each company has the freedom to decide how they process these types of requests, however, if regulations exist to make it easier on XXXX veterans, Lakeview needs to be held accountable to ensure they aren't making this process so arduous.
Product: Debt collection

I am sending this asking for your help to file a formal complaint againstHARRIS regarding an account I have with them, [ Account Number/Reference Number ]. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove Here are the details of my complaint : Creditor Name : HARRIS Account Number/Reference Number : XXXX I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with HARRIS buttonoavail.
Product: Credit card

To Whom It May Concern, My name is XXXX XXXX. I currently have a XXXX Chase credit card ( " the credit card '' ). During this time frame I have used the credit card for many large purchases including travel. I 've always enjoyed the customer service and the card itself. 

However, in the last few months, with a XXXX baby born in XX/XX/XXXX, my wife and I decided to start attempting to pay down all of our outstanding debts. We saved for 5 months in order to accumulate the appropriate amount of money to pay off the credit card as a lump payment. I received my XX/XX/XXXX statement on the XXXX and a payment due date of XX/XX/XXXX. On XX/XX/XXXX, I issued a payment of over {$4000.00} to pay and eradicate this fairly large credit card bill. At the time of payment I went through the online payment system as I did every month. Once the payment was processed my wife and I sighed a sigh of relief to have paid off that large of a debt in one lump sum, as it is not easy to do now-a-days and with the new baby. 

Then, my wife randomly checked the XXXX account to see our points total, and she noted a balance of {$49.00} for interest charges. I called and spoke with a customer service representative and a supervisor however, neither of them had an answer to my question and concern. 

I 'm extremely dissatisfied with that fact that when I paid a large payment of over {$4000.00} there was no message or information that would indicate to me that additional charges would possible to be incurred to me within the next month due to unaccrued interest. I feel that the absence of such information on their website when making such a large payment is extremely misleading. As the system should be able to flag that the account is being paid off and a message would be made available that would indicate the aforementioned information. The website is extremely misleading and I truly feel it is unfair that I 'm now forced to pay an additional {$49.00} when I thought I paid off my entire balance. 

I truly feel that by not giving a customer a complete or total balance to be paid off is misleading and unfair. Even their supervisor mentioned that had I even called to make my payment they would not be made aware of the total interest charges I would be charged. So had my wife and I not checked the account for our points balance, and maybe not looked at the next statement because we figured we paid off the account, I would then be on hook for not only the {$49.00} but the late charge fees plus additional interest charges again. 

I would greatly appreciate any information someone could provide as to how this is going to be settled and or what the resolution would be for not only my self but every one of their customers. Please feel free to call me at anytime during normal working hours EST, XXXX, or email me at XXXXXXXXXXXX. 

I thank you in advance for all of your assistant and information. 

Regards, XXXX XXXX
Product: Checking or savings account

I opened up this checking account on XXXX XXXX, 2022, for the bonus promotion. I deposited {$75000.00} on XXXX XXXX, 2022 and ever since have held the money in my checking account.. I should have received a {$1000.00} bonus per the terms and conditions of the bonus. I still have not received the bonus. Please credit my {$1000.00} bonus as the terms stated.
Product: Credit reporting or other personal consumer reports

Mobiloans XXXX Account Number XXXX please sent me a copy of the validation of this account failure to do so remove this account from my credit report
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, XXXXXXXX XXXX XXXXXXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX : # XXXXXXXX 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 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, credit repair services, or other personal consumer reports

Both XXXX and Equifax have shown two accounts, one a collection from XXXX XXXX XXXX, and another from XXXX XXXX XXXX, which were successfully removed by an investigation in XXXX of this year as having been reported to them. The information these companies have is incorrect, thus the accounts were deleted from the report. Both accounts were added to the credit report again on XX/XX/18, without notifying me in any way.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity theft. I recently learned that my nonpublic personal private information is being shared and furnished with different company 's and financial insinuation without my written consent. I have not authorized any of these accounts to be shared in writing, oral nor electronic. These accounts were furnished and shared to XXXX, XXXX and TransUnion by way of Financial Insinuations without full discloser and without my written consent, unknowingly and unwilfully and against my knowledge and therefore request this account to removed immediately. In accordingly in pursuance of 15 USC 1681 Permissible Purpose of Consumer and 15 USC 6801 Protection of Nonpublic personal Information. This is identity theft. Pursuance FCRA 603 ( p ) Financial Institution must notify consumer in written if they may furnish negative information to CRA. Section 239 ( a ) ( 7 ) CFPB 12 CFR Part 1022. I XXXX XXXX XXXX have not given written consent to any Financial Institution to Report to CRA. Accounts listed below. 1. Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violated my rights.
Product: Credit reporting or other personal consumer reports

I would like to initiate an investigation into these accounts, as there seems to be an error regarding their accuracy on my credit report. These accounts were removed earlier but have since been added back without my awareness. I have not been notified of their return, nor have I received any correspondence in the mail regarding this.
Product: Credit reporting or other personal consumer reports

Wells Fargo has two credit cards reporting on my credit report. They were opened fraudulently and they were also payments made to the accounts. This was opened fraudulently by my sons ex partner who is the one that opened paid and eventually got caught up with trying to hide this information from me until he left the relationship with my son. FCRA 605B violation is now being investigated by my legal counsel.
Product: Credit reporting or other personal consumer reports

The accounts listed on my credit report are incorrect and should not be combined. You have included accounts that do not belong to me, which is not only unfair but also alarming, as I have never been involved in the activities you are accusing me of. If you fail to investigate these discrepancies, I will pursue legal action.
Product: Checking or savings account

I receive regular emails from Chime that I have sent money to various individuals from my account. I never heard of Chime before this, I never asked for an account, and sure don't recognize the supposed recipients of my largesse. I am not aware of an account number, only that Chime claims I am sending money to individuals. I want these scam artists to go away and remove any trace of my existence from their ledgers.
Product: Credit reporting

there are XXXX inquiring that hit my credit hard and effecting my credit report my identity got stollen since XXXX these was the inquirersXXXX/XXXX/XXXX/XXXX/XXXX/XXXX /XXXX/XXXX ( XXXX ) XXXX/XXXXInquiry DateXXXX, XXXXPrint Credit Bureau LetterPrint Creditor LetterHard Inquiries vs. Soft Inquiries
Product: Bank account or service

I was charged an overdraft fee in the amount of XXXX from Google Wallet, they took XXXX dollars out of my account on XX/XX/XXXX. Please note, this transfer was canceled the day before on XX/XX/XXXX, I was assured funds would not be withdrawn. My bank, XXXX XXXX will not refund the fee as it is not their error. Please advise Google Wallet they need to refund the fee. My email address listed on my account is XXXXXXXXXXXX
Product: Debt collection

I HAVE NOT SUPPLIED PROOF UNDER THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I PRESUME THAT NO PROOF likes OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS uld PURSUANT TO 18 USC 8, L OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER34 RIGHT TO PRIVACY PURSUANT TO 15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 16804 .
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, for the past YEAR I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 

1. Account Name : XXXX XXXX XXXX. Account Number : XXXX Date opened : XX/XX/XXXX Balance Amount : XXXX Reporting on : XXXX  and XXXX 2. Account Name : XXXX XXXX Account Number : XXXX Original Creditor : XXXX Date : XX/XX/XXXX Balance Amount : XXXX Reporting on : Transunion 3. AccountName : XXXX XXXX XXXX XXXX Account Number : XXXX Original Creditor : XXXX XXXX Balance Amount : XXXX Date Opened : XX/XX/XXXX Reporting on : XXXX, XXXX   and Transunion 4. Account Name : XXXX XXXX XXXX   Account Number XXXX Balance Amount : XXXX Date Opened : XX/XX/XXXX Reporting on : XXXX  and TransUnion
Product: Mortgage

So to start off the mortgage is in my mother 's name Wich she passed away in XXXX and they know this I had trouble in XXXX with my the mortgage and they helped me no problem then in XXXX I had problems again we'll this time they didn't help as easy as the first time they wanted us to submit a bunch of paper work Wich we complied with and then they would talk to us now that I have lost my job and got behind again now the paper work we did last time isn't good enough they want other stuff that can't happen right away and they waited months to tell me this they didn't tell me this back in XX/XX/XXXX when I sent the first set of mortgage assistance paper work in they just ignored everything and never told me if it was accepted or not so finally I reached out to other places that could help me and they have called twice and chase won't even talk to them so now the place won't help me because of that so I ended up sending another set of mortgage assistance paper work in on XX/XX/XXXX and that when they finally tell me that they need other paper work that impossible for me to get right away and they know it so they finally talk to me after they send out forclouser notice so what they are doing is they know there's alot of equity in the house now and they played games so they could steel it from me and make more money off of it and the probally don't even own the mortgage on the place they probally have it somewhere else but will buy it back for cheap when they steal it from me
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2018 an old collection account that was removed over 8 years ago reappeared on my credit report for {$1200.00}. the account is XXXX. XXXX XXXX
Product: Credit card or prepaid card

Wyndham time share charged my Wyndham rewards credit card twice after being told to stop ( XX/XX/19, XX/XX/19 ). One charge was immediatedly reversed. The other took 5 months to reverse ( XX/XX/19 ). The credit card company eventually removed my late fees/interest, which put me at a {$0.00} balance as of XX/XX/19. I am being told that the credit card company is now having my late payments being removed from my credit as of XXXX XXXX. During this time period my card was closed due to non-payment of this unauthorized charge, which was in dispute with the creditor and credit card company. I have made numerous calls to have my card re-opened. 1st 2 calls, Credit card company said they were submitting request to try to get re-opened. These request were undocumented by card company. 3rd call said they don't have the authority to reopen a closed card. My card was at a {$0.00} balance before/during this dispute process. My payments were on time and my card was open.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.