23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I applied for a VA Interest Rate Reduction Refinance Program mortgage loan through NEW DAY Financial LLC Prior to closing the loan. I asked my loan officer about a two-tier Va Loan due to reasons that I had just found out about. The loan officer did not respond in a timely manner and I needed to talk to someone that had knowledge of this process. I went to another company and they explained everything to me and got me Preapproved for my move to Florida, I closed XXXX XXXX, XXXX with New Day Financial. For MY XXXX Loan and Later found out from my XXXX XXXX XXXX that I had signed a Occupancy Statement with New Day Financial stating that I will Occupy the property as my principal residence within 60 Days as of the date of closing in compliance with the terms of the Deed of Trust Mortgage/ Security Instrument relating to the subject Property, and I would continue to occupy the property as my principal residence for at least one year after the date of occupancy. Unless Lend otherwise agrees in writing or extenuating circumstances exist which are beyond my control. I have been the owner and primary residence since XXXX XXXX, XXXX, I called my loan officer at New Day Financial and explained to him that for medical reasons I needed to move to a warmer climate and I had found a home in Florida in which I can spend my winter months and I needed a release of occupancy from New Day Financial, because under the VA two-tier the home in Florida would become my principle residence and my home here would become a second home. The loan officer told me that do not or never have issued a letter of XXXX XXXX and they would not do it. Under VA XXXX rules the VA explained me that I had met my Occupancy Requirement under VA XXXX and Regulations and so I was now confused. If they never do a XXXX XXXX. How can they have me sign a XXXX XXXX that says otherwise. I do not have any Prepayment Penalties, so If I wanted to sell the home and pay off the Mortgage it was ok. It Just do not add up. the XXXX XXXX does not understand what they are talking about. The new Loan Company that is Funding my House is asking for The Occupancy Release and I am totally confused. I have a preapproval Letter from my New Mortgage Company, I found a nice home had my inspection, and XXXX, flew to Florida, rented a Car. Inspected the home, Have a Purchase agreement everything is set except for this XXXX XXXX. Can Someone Help Me Please. XXXX
Product: Credit reporting or other personal consumer reports

So, I tried to open a XXXX XXXX XXXX XXXX Account. Apparently the address on file with I believe Experian did not match the address I gave XXXX XXXX. The address was that of one I lived at for one month, I am not even sure why it was reported as my address. I tried to fix this with both Experian and XXXX XXXX and both of them refuse to address the problem. I want to deposit my tax return in the account because I do not have a bank account and am refused this as an option after XXXX XXXX  of loyal service to XXXX XXXX
Product: Checking or savings account

Bank of America, N.A. allows ATM deposits. However, the ATMs chronically misread the numerals on type-written/printed business-format cheques, causing erroneous deposit amounts. The bank then flags these as " potentially fraudulent, '' manually verifies the check amounts, corrects the *single* incorrect cheque, and holds the entire amount of the deposit for up to 10 days. During this time and forever after, BofA removes all my access to digital images of the cheques in dispute. These images are never again available to me via electronic means. I may request USPS mailed hard-copies of the images, but BofA sends illegible " thumbnail '' images of the cheques.

This seems contrived to all the bank to hold my money for its own use, even though the dispute has already been resolved. It seems dishonest and if this practice violates Federal regulations, it should be investigated and prosecuted. 

I have filed a prior complaint related to BofA practices and was unable to answer the one ( required ) follow-up call from them. I have called and left at least five voicemail messages since XX/XX/2022 for the person assigned to my issue ( XXXX XXXX, XXXX, XXXX ). XXXX XXXX XXXX 's voice and name are on the voicemail greeting, but he has not returned any of the calls. I feel this is an attempt by Bank of America to appear to follow the CFPB 's requirements, without actually following up with the customer.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the immediate removal of fraudulent accounts from my credit report. This dispute stems from a case of identity theft, for which I have filed a formal report. Additionally, I have contacted the companies associated with the fraudulent accounts. The companies have acknowledged the identity theft report 's authenticity and identified a potential system glitch that has hindered access to the records. They have assured me of the prompt removal of the fraudulent accounts, which has been erroneously present on my report for over five years.But somehow, these fraudulent accounts are still existing on my report under your bureau and I'm wondering what kind of verification process have you done.Please remove the accounts from my credit report 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

XXXX XXXX XXXX XXXX XXXX XXXX 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 Account Number : XXXX Attn XXXX XXXX XXXX XXXX  **NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT** I have received a presentment from an agent on your behalf regarding a legal Action. I am hereby requesting in good faith a copy of the required documents that you filed by law pursuant to the Consumer Credit Fairness Act, that substantiates your claim on the matter. Specifically, I am requesting documentation related to the account listed as XXXX, Account Number : XXXX, which is reported as transferred and charged-off as of XX/XX/XXXX, with remarks indicating " Transferred to Another Lender ; Paid in Full/Was a Charge Off, '' closed on XX/XX/XXXX, and estimated for removal from my credit report by XX/XX/XXXX. 

Send copies of the following : The complaint filed by the creditors attorney to commence an action based on a consumer credit transaction will need to have attached to it : i ) copy of the underlying contract/loan agreement or the charge-off statement if a cause of action is based on a defaulted credit card, ii ) provide the last four digits of the account number, iii ) the date and amount of last payment, iv ) the name of the original creditor, and v ) an itemization of the amount claimed to be due broken down into principal, finance charges, fees, and costs.

Requesting My Additional notice that was sent to the clerk : For any action based on a consumer credit transaction, after an action has been commenced and service effected, an additional notice in XXXX and XXXX must be prepared by the creditors attorney and sent to the clerk of the court with a postage-paid envelope addressed to the consumer at the address where the summons and complaint were served. 

Yours Truly, XXXX XXXX
Product: Credit card

On XX/XX/XXXX I paid off my Chase credit card balance of {$12000.00} in full. The payment posted on XX/XX/XXXX and my Chase account showed a XXXX balance. 

I received a letter on XX/XX/XXXX stating that my account was past due and I now owed a minimum payment of {$230.00}. I called Chase and spoke to a representative, and then his supervisor, who both informed me that I was being charged interest on the previous balance and that it hadn't been calculated until after the payment due date of XX/XX/XXXX. They're also charging me late fees and will continue charging me late fees if I don't pay the amount they say I still owe. 

When I make a payment online, in full, and show a XXXX balance, how can they get away with sending me a bill for more money after the fact? I paid the credit card in full to get out from under this debt, and I still owe them after it showed a XXXX balance?
Product: Mortgage

DOVENMUEHLE is not sending the loan modification to the chapter XXXX trustee XXXX XXXX in XXXX colorado. I attached a copy of the loan modification and payment statement my next payment is not until XXXX of XXXX There costing me XXXX a month. XXXX Dovenmuehle knows by federal law they should have sent the loan modification to the federal bankruptcy courts in 30 day 's the loan modification was done in XXXX of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Reporting Act XXXX  Account XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A States I have a right to privacy.

15 U.S.C 1681 Section 604 Section 2 It also states a consumer reporting agency can not furnish an account without written instructions.
Product: Debt collection

I was trying to resolve a payday loan I had that was sent to XXXX XXXX. I had been paying biweekly, and then weekly consistently for some time. Back in XXXX, a payment didn't go through and I was told they couldn't help me. I wasn't allowed to change my payment schedule because they said I had changed it too many times before, which is fair. I had tried contacting them, and had left voicemails, and no one reached out to me. I received a call at the end of XXXX and set up payment arrangements again. I had informed Mr. XXXX that my job doesn't pay on a normal bi-weekly schedule. I'm paid every 15 days. My last {$200.00} didn't go through. It came from my card as a pending charge, but XXXX said it declined. I called, left a voicemail and asked them to try once more before I could change cards. I received a new voicemail that said I needed to call directly. It came from an Unknown Number, so I couldn't call it back. I called the number I had saved and left another voicemail. Today, XX/XX/XXXX, I received a call saying I would be served papers XX/XX/XXXX. I called to see what was going on, and was asked if I had the {$330.00}, which is {$130.00} more than what I owe. I explained the issue with my card and her response was " So, you don't have it? '' She told me that they were no longer going to assist me and that I should've been served a long time ago and she wasn't sure why they hadn't. Which I felt wasn't necessary. I asked her if I could speak to Mr. XXXX because I wouldn't be in town on the XXXX, and she said no because he didn't work in that office. He also had called from an Unknown Number, so I couldn't call back from my phone, and she wouldn't provide any information for me to talk to him. Basically, they win the judgement because I won't be in town when the papers are served, and I was told that I can't reach out to anyone. I've been trying to pay this off, and I did fall off on payments once I lost my job in XXXX, but the communication has been awful. And when they call, they call from unknown numbers so I don't anwer. XXXX XXXX XXXX number is XXXX ( this is the number Mr. XXXX gave me in my voicemail ). The number I originally had for them is XXXX.
Product: Credit reporting or other personal consumer reports

Contacted company a little over a month ago to opt-out of sharing my personal information/data to third parties ( Experian, XXXX, XXXX ) XXXX My consumer report still has not been updated and its been past 30 days. They are in violation of the US Law 16 CFR Privacy of Consumer Financial Information. I would like the specific account removed from my report exercising my rights pursuant to 15 U.S.C. 6802- Obligations with respect to disclosures of personal information and 15 U.S.C. 6805- Opt-Out enforcement which all coincides with the United States federal law The Privacy Act of 1974 establishing a Code of Fair Information Practice.
Product: Credit reporting or other personal consumer reports

reporting ticket that according to the city code doesn't suppose to be reported because its a traffic light violation
Product: Debt collection

I am reporting a fraudulent credit card account that was opened in my name without my authorization. I did not apply for, open, or use this account, and I believe I am a victim of identity theft. 

Details of the Fraud : The credit card account was opened on XX/XX/XXXX by XXXX XXXX. 
The account appears on my credit report with a balance of {$1700.00} that I did not incur. 
I first became aware of this fraudulent account on XXXX. XXXX. XXXX when I reviewed my credit report/received a notification. 

Actions Taken : I have reported this identity theft to the FTC at IdentityTheft.gov, and my FTC Identity Theft Report number is XXXX I have also contacted the credit bureaus ( XXXX, XXXX, and XXXX ) to place a fraud alert on my credit file. 
I have reached out to XXXX XXXX to dispute the fraudulent account, but they have not resolved the issue.
Product: Credit reporting or other personal consumer reports

This account was delinquent on XX/XX/XXXX. It is currently XX/XX/XXXX and still furnishing to my credit report. It has reached its stautue of limitation and should be removed immediately.
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 XXXX XXXX XXXX XXXX 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 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

My credit is being used and is providing inaccurate information in regards to my past debts which is really causing a major strain on my finances and livelihood. I can not get approved for anything and when I do get approved I have to pay an outstanding amount.
Product: Credit reporting or other personal consumer reports

I've requested my credit report on multiple occasions in the first, second and third quarter of the year 2024. I have not received my report from any request.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2023, I received results of my dispute saying it was updated. I see no changes in the update that I received. Im denying this update because there was a failure to verify the dispute correctly. I see on my credit report that these accounts were run as charged off. I never received the 1099-C Cancellation of Debt forms. Therefore, under consumer law 15 USC 1681e ( b ) these accounts are inaccurately reported and Im requesting that these accounts be removed from my credit, all 3 bureaus, immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the XXXX dates being incorrect for last payment and last reported a number of times with Equifax. They decline to do any disputes even if done through the CFPB by sending me the attached letters making demands they really don't have a right to do. I have disputed by phone and on this platform. Each time they refuse to do the dispute but send me letter demanding identification, for which I thoroughly refuse to send. I've identified myself on this site and if that isn't good enough for them, maybe it's time to go to court. 

XXXX XXXX recently fixed the inaccurate information on XXXX 's dates being reported, I did that over the phone the same day I called Equifax. Equifax reps treated me poorly and were absolutely rude! That's unacceptable behavior and extremely unprofessional! No matter a debtor comes off to them they should always remain professional! They didn't and they weren't. They pretended not to understand why I was disputing the dates, told me the creditor was the one reporting them incorrectly which I believed that, and told me it would take some time to go back to the lender. They never did, instead I got the attached letter from them. I've received several of these same letters in the past 2 weeks. 

If XXXX XXXX can fix it then why can't Equifax. XXXX XXXX 's attachment proves the dates are incorrect and the lender gave the correct dates. Equifax needs to acknowledge and fix the problems.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER  : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Bank account or service

Describe events in the order they ocurred, including any names, phone numbers, and a full description of the problem with the amount XXXX XXXX ) and date XXXX XXXX ) of any transaction XXXX XXXX ). Be as brief and complete as possible to make the explanation clear. Do not include personal or confidential information such as your social security, credit card, or bank accounts numbers. 


Have had an account with Chase for approx. four years. Today they told me they are closing my account and refused to tell me why - stating its their right and they are not required by law to say why. Currently there is a small balance and next week my Social Security XXXX payment gets ACH into the account XXXX to late to stop XXXX. I was told Chase would refund the money in XXXX weeks after the account is finished closing. This will make me late on my mortage causing late fees and more. About a XXXX ago I had some NSF from auto debits. I called Chase told them would put money into the account ot cover the overdrafts ( and did so ) Chase even refund XXXX of the NSF fees as I was a good client, plus was told do n't worry everthing is ok. This is the only possible reason I can see why they would do this.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on XXXX. 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 my 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 XXXX, XXXX, XXXX, AND XXXX 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. 

XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX ,  XXXX   XXXX  I contacted Experian in regards to several inquiries on my credit report that I did not authorize. I contacted them after first submitting a dispute online for the accounts. The results returned showing none of these accounts removed from my report. On  Sunday ,  XXXX   XXXX , I received a notification from  XXXX   XXXX , the company that is working on my behalf to help restore credit, stating my credit report had changed. Upon logging into my account it reflected  6  new inquiries to my report as of  XXXX   XXXX ,   XXXX   in addition to those inquiries already on my report prior to the dispute. I contacted Experian again on  XXXX   XXXX  in regards to this and was advised that there are no new inquiries and any inquiries on my report would remain there for 2 years.     The accounts that updated showing negative hard inquiries as of  XXXX   XXXX  were  XXXX   XXXX ,  XXXX   XXXX ,  XXXX  Card, and  XXXX .