23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Summary : Entered into Covid mortgage deferment with Bank of America ( " BoA '' ). This was a verbal contract, with numerous BoA representatives confirming interest would not accrue during deferral. No written contract was provided or signed. Post-deferment, BoA claims the terms are different and that I owe {$28000.00} in uncollected fees. I believe this is fraud. 

XXXX to XX/XX/XXXX : I entered the Covid Deferment program in XX/XX/XXXX. During the months of XXXX, XXXX, and XXXX, I had numerous conversations with representatives of Bank of America regarding the Covid deferral option for home mortgages. I was joined on each of these calls by my mother, a lawyer with over 35 years of legal experience. In each conversation, a key concern was confirming interest would not accrue during the deferment period. The numerous BoA representatives that I spoke to during this period confirmed the following : 1 ) Interest does not accrue during the deferment period, 2 ) My outstanding loan balance would not increase as result of my participation in the deferment program, and 3 ) The deferment amounts to a " mortgage freeze '', in which deferred payments are added to the end of the loan life, thereby extending the mortgage duration by the number of months deferred. 

With this understanding, I entered into a verbal agreement with Bank of America ( via phone ) to enter the Covid Deferment program. There was no written contract provided or signed. 

XX/XX/XXXX : On XX/XX/XXXX, BoA uploaded the first of several Loan Evaluation documents. These documents say " we have deferred payments '' ( past tense ) and " confirms '' I've entered a loan deferral. However, there is no actual contract or any signed document that I've agreed to these terms. These documents say interest will continue to accrue during this time period, which is in direct conflict with the terms of the verbal contract agreed to. There is no contract or documentation that I've signed agreeing to terms in which interest continues to accrue. 

XX/XX/XXXX : Im in the process of refinancing, and was notified that BoA claims I have ~ {$27000.00} in unclaimed fees due to the Covid Deferment. This includes {$14000.00} in Covid Interest Deferral and {$13000.00} in Covid Escrow Deferral. The Escrow amount is wrong, as it was due to a tax classification from the local taxing authority. BoA received a refund from the tax authority in XXXX, however BoA refuses to reflect this in their Payoff statement. The Interest is also wrong, as it reflects terms that I never agreed to. As a result, BoA now claims I owe {$530000.00} versus the {$500000.00} it should be.
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 confidentially under 15 USC 1681. 

XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX Account # XXXX The above have violated my rights. 

15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED AE FRAUDULENT SOMONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Mortgage

I am under a modification however Ocwen is reporting me late to the credit bureau-XXXX. This is erroneous. They are saying I am 180 days past due. This is wrong. I have my approval email enclosed for the modification which converted my mortgage from adjustable rate mortgage to fixed rate mortgage. I am tired of complaining and going through this Ocwen. My loan need to be service by a capable company.
Product: Student loan

I have been paying AFBC since XX/XX/XXXXto help with my student loans. I paid {$49.00} every month and I thought my loan would be forgiven after I paid so much money. Now, I know it was all a lie and the FTC is suing them for scamming people. All the numbers and contact information has been disconnected. When I was able to contact them, they told me the that my students loan situation had not changed and they were still handling everything. They lied to me and now I can't get in touch with them. Is there anything I can do to get my money back? I really hate this situation. I paid them {$2300.00} plus another {$600.00} to get enrolled. Thank you in advance for any help.
Product: Credit reporting, credit repair services, or other personal consumer reports

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

I HAVE DISPUTED THIS ACCOUNT ON MULTIPLE OCCASIONS. THE MOST RECENT BEING XXXX XXXX XXXX XXXX XXXX XXXXXXXX IS NOT MINE. PLEASE SEND A COPY OF MY WET SIGNATURE AND MY ID VERIFYING THAT MY IDENTITY WAS USED WITHOUT MY PERMISSION
Product: Credit reporting or other personal consumer reports

Upon checking my credit report I have discovered fraudulent hard inquiries, the fradulent hard inquiries are, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

I have a question to the response given by Truist Financial to my latest CFPB report. This is not a final statement but a request for information and to clarify part of the statement provided as feedback to my questions. 
You said, a paper dated for XX/XX/2017 was included with your reply. I can not locate paper with in your response. 
Please clarify for me a paper you included dated on XXXX XXXX. A statement for loss mitigation. Does it in fact say they approved a " Incomplete " application from me. I never received this paper in the mail from either Truist or XXXX XXXX. I'd like to see where I signed for this information. I have had several COVID relief and I can prove them by my payments. Everytime I call to make a payment they offer it. This also brings me back to the question of, are you singling out people by their financial difficulties, are you using the covid as a way to know who to XXXX? Again if my payments were behind by over {$13000.00} wouldn't you have contacted my attorney. I was under bankruptcy and you were advised that I had an attorney but yet you never advised him that I was {$13000.00} behind in payments. Nor alerting myself or him that foreclosure proceedings was already in the works again with XXXX law firm, ( this was confirmed by XXXX XXXX himself the attorney in the XXXX office.
Product: Student loan

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance of the Fair Credit Reporting Act ( FCRA ) : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. With subsections 604 and 605, the credit reporting agencies did not get the information of my bankruptcy from the State of Tennessee. I sent a certified signed affidavit to US bankruptcy court and asked if they shared and information with any of the three major crediting reporting agencies. They replied saying they did not give any information of my bankruptcy status to any of the three major credit bureaus and i attached a copy of that letter to another affidavit and sent one to each of the credit bureaus. I also did not express that information to be made public in any expressed written agreement or statement. The three credit reporting agencies received my bankruptcy information from public records which is legal to obtain but they are not in compliance with the Fair Credit Reporting Act to report those findings on my credit report. I also received a letter from XXXX XXXX XXXX from the law office of XXXX XXXX XXXX XXXX stating that their client XXXX XXXX XXXX XXXX XXXX has ceased collection of the account and submitted a trade line deletion request. THIS MARK STILLS SHOWS ON MY CREDIT FILE IT HAS NOT BEEN REMOVE NOR HAS MY CREDIT SCORE BEEN UPDATED TO REFLECT THAT ITEMS REMOVAL. The law office of XXXX XXXX XXXX XXXX did send a letter to the three major credit bureaus to removed it from my credit file. The Fair Credit Reporting Act states the regulation and laws that govern the three credit reporting agencies, however the misuse of personal information for financial gain harms consumers. This will be my last time filing a complaint with CFPB, I will be moving forward to a court of proper jurisdiction.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern : I am writing to dispute an inaccurate late payment that appears on my credit report. According to 15 U.S.C. 1681c ( a ), outdated or inaccurate information should not be included in a consumers credit report beyond the legally permitted time frame. The late payment reported is either incorrect or outside the reporting period allowed by law. Therefore, I respectfully request that this information be removed from my credit report.

Here is the relevant section of the law for your reference : 15 U.S.C. 1681c ( a ) : This law specifies the time limits for reporting negative information, such as late payments, and requires credit reporting agencies to exclude outdated information beyond the period defined by federal law. 
In addition, the presence of this incorrect information also violates other consumer protection laws, including : 15 U.S. Code 6801 : Protection of personal information.

15 U.S. Code 6802 : Obligations regarding the disclosure of personal information.

15 U.S. Code 6803 : Disclosure of privacy policies.

15 U.S. Code 1681e ( b ) : Accuracy of credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A : Aggravated identity theft.

These inaccuracies can have a significant negative impact on my credit score and overall financial standing. I kindly request that TransUnion take immediate action to investigate and remove this late payment from my credit report. 

To support my request, I have attached copies of my identification and proof of address. Once the correction has been made, please send me a copy of my updated credit report reflecting the removal of the inaccurate information. 

Thank you for your prompt attention and assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor Oranization filed a collection action XXXX XXXX 2016 without notification or explanation of debt. The collection appears in my credit report
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) THAT YOU, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX in XX/XX/XXXX under the account number ( XXXX ), in the sum of {$0.00}. account opened at XXXX system in XX/XX/XXXX under the account ( XXXX ) in the sum of {$150.00}. A service FCU account opened XXXX under the account number ( XXXX ) in the sum of {$0.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent addresses appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, addresses, or hard inquiries as reported. The aforementioned accounts, addresses, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, addresses, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, addresses and hard inquiries are the result of identity theft and fraud. list of inquiries in question :
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was going through my records & noticed the account which does not belong to me STILL reposting on my file in Experian. The other bureaus have already DELETED this fraudulent information so my question is why do you still report this damaging record? I have already disputed this item several times and stated that I am an identity theft victim. I even forwarded my FTC report I filed online on their website and my personal information and documents but still, you chose to continue reporting this item. Credit Bureaus are bound to comply with the FCRA regulation section 605b but you never cared nor paid any attention to my Disputes. You became negligent of the FCRA law and continued reporting these information on my Credit File without Proper Verification nor Investigation. Now, I want you to REMOVE this item from my file like the other bureaus have done. 

XXXX XXXX XXXX
Product: Debt collection

This company robo calls me with the same number and same recorded message 6-7 times a month. The transcript of the prerecorded message is : Hi this call is from a debt collector this is RMPLLC please call us back at XXXX again the number is XXXX thank you I am on the do not call list. I do not have any unaddressed outstanding debts and only accept communications via mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Collector : Please be advised I XXXX XXXX state this letter is a demand for validation pursuant to the Michigan Consumer Protection Act and the FDCPA, made by XXXX XXXX. Your failure to respond may trigger an action for damages brought by an individual consumer against LVNV., for violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692 et seq., and the Michigan Collection Practices Act ( State Act ), MCL 339.901 et seq., which prohibit debt collectors from engaging in abusive, deceptive, and unfair practices. Furthermore, FCRA Sections 623 ( a ) ( 5 ) ( A ) & ( B ) stipulates what a collection agency must do to attempt to determine the date it must provide to a consumer reporting agency for calculating a seven-year period. This date is a key to ensuring that collection accounts, even when transferred from one collection agency to another, do not result in a change in the calculation of the seven-year period for retention of adverse information. 
Be advised THIS IS NOT MY DEBT! Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692 ( g ) : I XXXX XXXX state that your claim is disputed, and validation is requested. During this period of dispute, consistent with the requirements of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692 et seq., you are required to stop all efforts to collect this alleged debt and remove any negative reporting to any credit reporting agencies or be held accountable for the ensuing liability and penalties arising under the FDCPA. Further consistent with the requirements of the FDCPA, 15 USC 1692g, please verify the debt you are seeking to collect, in writing, in the following particulars : What the money is owed for ; Explain and show how you calculated what you say is owed ; Provide copies of any papers that show the amount claimed to be owed was agreed upon ; Provide a verification or copy of any judgment if applicable ; State if you purchased this debt from the original creditor ; Prove the Statute of Limitations has not expired on this account Show proof that you are licensed to collect in Michigan Provide copies of your license numbers and Registered Agent Your failure to satisfy this request within the requirements of the Fair Debt Collection Practices Act will be construed as your absolute waiver of all claims against myself, and your tacit agreement to compensate : XXXX XXXX for costs and attorney 's fees. If after careful review of this debt, you find you have no valid reason to further your interest with me, please delete any negative information you are reporting to the credit bureaus and send us written verification this account has been deleted and closed.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible.The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Consumer Loan

The company starts at XXXX a.m., calls numerous times every day, XXXX days a week and stops at XXXX p.m. to include customer service direct and robo calls. They should not be able to call more than XXXX time a day and not on Sundays as this is our religious holiday. If you provide information it is to be recorded on your file and they need to stop the daily phone calls. Nothing changes from XXXX hour to the next or from XXXX day to the next. This is harassment,.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I reviewed A copy of my credit report and it shows XXXX XXXX reporting a balance of {$420.00} on all 3 credit report. This is a violation of the Fdcpa based on the charge of f/collection being reported with a balance.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX Currently have some fraudulent inquiries appearing 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

This complaint had already been sent. But seeing that Bank of America continues to evade that they are responsible for this situation. I continue to request that my complaint be investigated. This complaint had the number : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX