23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to Hurricane Irma in XX/XX/XXXX, I was placed into the disaster relief forbearance program, which would suspend my mortgage payments and prevent any delinquent reporting to the credit bureaus. Even though I was enrolled in this program, XXXX is reporting my mortgage payment late to the tune of 180+ days past due.

I was initially told that the forbearance would last approximately 3 months, and per the verbiage on their website : XXXX has a special, no paperwork, Hurricane Relief Program, to help manage the payments that will come due at the end the 90 day period. If you choose to opt-in to the program, you will be provided a single point of contact to help establish a repayment plan and review additional options ( including financial hardship relief, and many loan modification options that could potentially include term extensions, interest rate adjustments, and payment reductions. 

At the end of the 3 months, I went online to make my normal mortgage payment. When I was unable to do so online, I contacted customer support. They told me to hold off making any payments since my file was still being reviewed. Shortly after, I started to receive letters stating I was past due on my mortgage, along with literature on how to avoid foreclosure. Concerned, I  contacted XXXX, and was told the letters were automatically generated, and my file was still in underwriting. When I inquired what the issue was, they stated it had to do with interest rates being higher than on my original loan, but assured me that the loan was not being reported late, nor was I in any danger of foreclosure. 

Between XXXX XXXX, ( contrary to the no paperwork verbiage listed on XXXX website ), I was asked to submit a hardship letter along with copies of pay statements. I immediately sent them the requested documents. Shortly after I received a packet of papers to fill out for the application, and mailed via XXXX. 

It was not until XXXX XXXX until I finally had received my approval letter for a disaster standalone partial claim, and paperwork stating that my next payment would not be due until XX/XX/XXXX. Upon checking my credit report, I noticed that the loan was being reported delinquent by 180+ days. I contacted XXXX twice to alert them to the fact I was in the disaster relief program, and that my modification had just been approved so reporting the payments as late was incorrect. XXXX replied they would not resolve this issue, stating the credit reporting moratorium was lifted in XXXX. 

As of XX/XX/XXXX, my loan is current. The disaster partial claim has paid for the months missed due to the storm, so I can not fathom why this is being reported as late. This process took longer than expected and I should not be penalized for matters beyond my control. 

Thank you very much for your assistance on this.
Product: Mortgage

I purchased my current home in 2016, and immediately after close I was approached by another lender who promised to lower my payments at no charge. I am enclosing a detailed letter. 
The lender fraudulently lowered y property tax amount to make it look like I was saving the XXXX monthly. I was unaware that he did this. A yer later I was informed that I was XXXX delinquent in my taxes and the new lender wanted payment in full immediately, which I could not afford. This sent me into a downward spiral effecting my health greatly, forcing me to miss work, which only made the problem worse. 
The new Lender did audit my file and change the property tax amount by about 76 dollars a month, still leaving the tax amount over 300 per month short. They should have seen it sooner, but the loan officer and lender that did the refinance knew what they were doing and refinanced my home, adding XXXX to the loan balance with a loan that in the end only saved me {$40.00} per month. The lender 's information is attached.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as lateforanypurpose
Product: Credit card or prepaid card

Cash app. Not new user friendly, unclear instructions ... lost {$30.00} twice trying to cash out. It sent money undisclosed to me. No help from company.
Product: Checking or savings account

I was denied a bank account due to a fraudulent account that opened in my name with Chase in 2012. I brought in documents supporting being a victim of identity theft, police report, etc. Still denied account.
Product: Checking or savings account

Hello I want to file this complaint with CFPB because when I open the account with Albert, it was advertised with the account opening bonus as {$500.00} once I completed all the requirements. 

I've been really careful and fulfill all the requirement that listed in the terms and conditions and the bonus should hit my account after all the meet all the requirement. I tried to contact with the representative regarding the missing bonus and they spent couple of days to investigate and reached back to me with a different reason that's not included in the terms and condition. I am really upset with the false advertising and I wish to file the complaint and get the bonus ( {$500.00} ) back.
Product: Mortgage

I applied to refinance my home loan with Ditech Financial. The agent who took my information ran my credit report before he told me i had to be occupying the property i was attempting to refinance first. 

I need Ditech to remove the inquiry from my credit report because i feel they were not honest with me up-front concerning their financing policies.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> To : Credit Reporting Agency Subject : Request for Removal of Unveriable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, XXXX, or TransUnion ]. This request is based on the recent deletion of an account by XXXX, XXXX of the XXXX major credit reporting agencies. I recently disputed a charge-o for {$3300.00} from XXXX XXXX XXXX XXXX XXXX on my XXXX report, and following a thorough investigation, XXXX has XXXX removed this unveriable debt from my report as of XX/XX/year>. 

According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and veriable. Since XXXX has removed this account after its verication process, I request that you do the same and remove this unveriable account from my credit report. 

Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unveriable information must be deleted from a consumer 's credit XXXX. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unveriable information. Since XXXX has deemed this account unveriable and removed it, you must take similar action. 

Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unveriable, I urge you to align its records accordingly. 

Please provide conrmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including XXXX a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 

Thank you for your immediate attention to this request. 

Sincerely, XXXX XXXX ( XXXX )
Product: Money transfer, virtual currency, or money service

I had a XXXX account XXXX and it got closed with money still on there I have contacted them over and over telling them to release my money and it can close I dont mind they keep saying everything besides anything about releasing my money the account was closed XX/XX/year> my money has been locked since XX/XX/year> there is a amount of {$90.00}
Product: Vehicle loan or lease

To whom it may concern : XX/XX/2023 Per the Fair Credit Reporting Act, As a federally protected consumer, I am opting out of any and all authorization I the consumer may have given you written, unwritten, verbal or nonverbal per 15 : USC-6802. 
Thank you XXXX XXXX XXXX
Product: Credit card or prepaid card

Wells Fargo XXXX card pay 100 % a merchant for a service was never completed 100 %, I was going to start an orthodontics treatment for my wife and they charged 100 % of the money without starting the process without my consent, I disputed with Wells Fargo and it passed 20 days and nothing happen.
Product: Checking or savings account

Dear CFPB Officers, At XX/XX/2018, I received an official email from PNC bank, stating if I make two bill pays, I will receive a {$15.00} bonus afterward. I made the two bill pays at XX/XX/2018, but I still didn't receive the {$15.00} bonus until today. I have contact PNC bank multiple times, but the representatives only told me that I would receive the bonus soon, but they refused to investigate this issue from their end for me. So I sincerely request you to contact PNC bank to send me the {$15.00} bonus as I have completed the bonus requirement. I have attached the original email for your review.

Thank you very much, XXXX XXXX
Product: Credit card or prepaid card

Bank of America XXXX opened an account which I think was fictional. they then put charges on account. Ruined my credit then demanded I pay even though right before this account was opened I had informed them my XXXX account had been hacked in XX/XX/2021. I had XXXX credit cards in XXXX account. Bank of America XXXX was only bank not to issue new card. When I reported my card in XX/XX/2021 as lost or stolen ; suddenly a new account was opened and the charges appeared on the new card. I physically never received this card.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX : {$1000.00} ; XXXXXXXX XXXX XXXX Balance : {$60.00} ; XXXX XXXX XXXX Balance : {$140.00} ; XXXX XXXX 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, credit repair services, or other personal consumer reports

XX/XX/2021 i had a Hard inquiry on my credit report from Barclays Delaware i would like to have it removed an have the address of where the application was made or where the card was being mailed to so i can have a clue of who has my information.
Product: Mortgage

I have been trying to get assistance with Citi Mortgage for 3 years now. When my hardship started my daughter was a XXXX. Now she is going to be XXXX. There has been a lot of time wasted and no solutions. My case was unjustly closed twice due to missing documents, they had those documents on file and they had me re apply again wasting more time. I am attaching my letter explaining more, and my authorized third party provided me with their notes with names, dates and ID numbers. I just want a fair review and i want to start paying my home again with an affordable mortgage payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts below are not mines and should have been removed.         XXXX   XXXX   XXXX   Opened  XXXX   XXXX ,  XXXX  {$5900.00} Original creditor :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Closed :  XXXX   XXXX ,  XXXX  {$4100.00} Closed  XXXX   XXXX    XXXX   Closed :  XXXX   XXXX ,  XXXX  {$1400.00} Closed This account below is more tha n 7 years old an d should be deleted.        XXXX   XXXX    XXXX   XXXX   Last reported :  XXXX   XXXX ,  XXXX  {$3000.00}
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had XXXX late payment on an account that I was never late for.The consumer reporting agencies assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy.I have never been late on payments for the account that I have included screenshot inside this complaint in on the date of XX/XX/24. 
Please investigate and provide proof with statements showing that this payment was late.If proof cant be provided I demand this payment be updated to paid as agreed on time as that should be due to the fact I was never late .Thank you.Please see screenshots attached.
Product: Credit reporting

I mailed a certified letter to Experian, in regards to an account on my report. The account is XXXX XXXX, account # XXXX. I had mailed XXXX XXXX XXXX, on XXXX XXXX, XXXX, and letter was received XXXX XXXX XXXX. Before I mailed the letter, I attempted top send XXXX emails. All were returned as no email address on file. I received a response back, from XXXX, stating my letter was received by email, not by mail. Also, in the letter, XXXX stated the matter could not be looked into, as there was no new and material evidence. I beg to differ, as to which, I have been requesting copies of mortgage statements, for the life of this account. My main disagreement, being which if I was sent copies of escrow statements, dating back to XX/XX/XXXX, the billing statements must be in their possession. I mailed the letter ( s ) to Experian, and I received a follow-up letter, stating the matter can not be looked into, as it is considered as frivolous. Also, upon contacting Experian, on XXXX XXXX XXXX, at XXXX EDST, the call was disconneced after being on hold for well over 10 minutes. I feel as XXXX is hereby refusing my requests, as well as attempting to cover up the billing errors that occurred in XX/XX/XXXX, XXXX. This account was disputed in XX/XX/XXXX, and XXXX change it from being late, to paid as agreed, never late, at that point in time.
Product: Credit card or prepaid card

I used my City National Bank ( CNB ) award points to redeem for toal {$600.00} on two City National Visa Gift Card on XX/XX/2020. Order Confirmation Number : XXXX. 

I never received the my order. In my previous complaints, CNB was not able to provide my signature for the gift cards delivery to proven the package was delivered to me. 

CNB asked me to contact with XXXX for the gift cards stolen or lost. I have ordered the gift cards from CNB, not from XXXX. The gift cards were ordered by CNB from XXXX. XXXXNB didn't provide the gift cards full information, include 16 digits card number and Security code to me. It is not possible to submit a complaint to XXXX without the card information. 

Actually, I didn't have any relationship with XXXX for this gift cards order, so CNB has the full responsible for the gift cards stolen or lost. 

As a consumer and victim of this case, I am looking for CFPB to protect the consumer.
Product: Credit reporting or other personal consumer reports

Lexington Law said they would fix my credit and didnt in XXXX
Product: Vehicle loan or lease

Wells Fargo Auto Finance Vehicle loan Account XXXX. XXXX Date of XXXX XX/XX/XXXX to XX/XX/XXXX The vehicle was repossessed in XXXX and I had to file bankruptcy due to the high interest and rising rates of the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; 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 have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.
Product: Mortgage

BayView Loan Servicing acquired our loan in XX/XX/. I have made contact with the company, trying to make payment arrangements and apply for a loan modification. The company refused to communicate with me on either idea. We have never received any written communications, letters of default, or loss migration information that we are entitled to. I have tried to let them know we can make our payments and a little more each month to get caught up with no help from this company. 

The only notification I have received regarding my loan status was the notice put on my door on XX/XX/XXXX stating our house is being posted for public auction on XX/XX/XXXX. 

I have XXXX children and can not loose my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account name XXXX Account name XXXX XXXX XXXX Account name XXXX & XXXX Account name XXXX XXXX XXXX Account name XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX Account name XXXX XXXX XXXX Account name XXXX XXXX XXXX Account name XXXXXXXX XXXX Account name XXXX XXXX Account name XXXX Account name XXXX XXXX Account name XXXX XXXX Account name XXXX XXXX Account name XXXX Account name XXXXXXXX XXXX XXXX Account name XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX Account name XXXX XXXXXXXX XXXX XXXX Account name XXXX XXXX  XXXX Account name XXXX XXXX Account Number : Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXXXXXX XXXX Account Name : XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A Section 2 states a consumer reporting agency can not furnish an 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 crime 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: Debt collection

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

TRANSUNION, This email is a formal and urgent demand to overturn my recent rental denial for the property located at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. Your actions are causing undue harm by relying on false, unverifiable information. Additionally, your practices of reporting or using negative information without my consent violate key legal protections, and I demand immediate correction. 

Important Laws You Are Violating 1. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) : The FCRA requires that all information reported about consumers is accurate and verifiable. You are violating this by relying on incorrect information to deny my application.

Under the FCRA, I have the right to opt out of the sharing of my information for unauthorized purposes, and you are ignoring this legal right.

2. Consumer Protection Laws : These laws ensure that businesses, including rental screening services, do not engage in deceptive, dishonest, or harmful practices. Reporting or sharing negative information without valid authorization is deceptive and against my rights as a consumer. 
3. Fair Housing Act ( FHA ) ( 42 U.S.C. 3601-3619 ) : Any reliance on biased or incorrect screening data that results in housing denial could constitute discrimination or an unfair housing practice.

What I Demand 1. Overturn the rental denial and reinstate my application immediately.

2. Provide written confirmation that no negative information has been or will be reported on my file.

3. Cease all information sharing or reporting immediately, as I explicitly opt out of this practice. 

Your actions are not only dishonest but also harmful to my financial stability and personal well-being. This negligence is a direct violation of my rights under the laws outlined above. 

I expect a response and written confirmation of compliance within XXXX XXXX Failure to comply will leave me with no choice but to take further legal action to protect my rights and address the harm caused. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on XXXX XXXX XXXXXXXX XXXX   XXXX, XXXX XXXX XXXX   XXXX accounts for months. The three credit bureaus wont reverse the late payment. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has lowered my credit score tremendously.