23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XXXX/XXXX/XX/XX/2015 at XXXX a recorded conversation was started between myself and a customer service rep from Bank of America XXXX At XXXX point she had a supervisor there asking questions and providing answers. The phone call was recorded and was over XXXX minutes in length. After months of calls, this representative was helping me. She said that if I made an additional payment of {$23.00} ( details are on the phone call ) that she would waive the late fee for XXXX that was placed on my account because I was XXXX day late. As an aside, I have not received paper or electronic statements from Bank of America in quite some time. Because I have been calling to dispute the late charge for months and only paying the previous minimums due ( {$25.00} ), Bank of America kept adding late fees and past due amounts. ( They added a late fee for XXXX, in XXXX, because I did n't pay the late fee, the considered the XXXX late fee a past due amount, and another late fee ) On the phone call with the representative and supervisor on XXXX, the was an agreement made to resolve the issue. They agreed on a recorded line that if I paid an additional {$23.00} ( I already paid the minimum of {$25.00} ) that day ( I did and have proof ) that they would waive the late fee for XXXX. This meant and they agreed that there would be NO late fee that carried into XXXX and therefore no past due amounts or subsequent late fees because I had made been and kept making the minimum payments due on time. After hanging up and making the payment, Bank of America NEVER made the changes and returned my account to " in good standing ''. They LIED. I called to complain and went into a branch as recommended a long time ago but a credit card rep of bank of america to launch an official complaint. Bank of America has refused to pull the phone call and do what was agreed upon. They are still charging my account with past due amounts which should not be there. They are also ruining my credit. I do not owe additional hundreds of dollars for being 1 day late and yes, I have proof that I made payment 1 day after the due date.
Product: Checking or savings account

I called Bank of America because the the branch said they couldnt do much. Bank of America claims customer service handles checks being sent out. I call customer so reissue my check and they claim they sent it out, but I have received nothing. The account has been closed for over a year. They claim they sent it out. Im scared they maybe keeping my funds. I just want help with receiving my funds. I have bills I need to pay and they are holding my funds for no reason.
Product: Mortgage

Send in mortgage payment U.S. mail Certificate of mailing receipt every month. This instance XXXX Late is received after the XXXX of each month. There is virtually no possible way using their routed envelope that it took in excess of twelve days, two business weeks to receive this. This is clearly an attempt to generate 'revenue ' on a loan they've not making much from. Therefore constituting fraud.
Product: Student loan

I was attending a XXXX school in XXXX XXXX, XXXX XXXX XXXX XXXX XXXX which I had to take out a XXXX XXXX loan. The school closed and I continued to make payments and here it is, 16 years later, the loans are still outstanding. My loan needs to be removed or reviewed. I believe I 'm subject to an expensive subprime loan which prevents me to pay down my loans. Please look into my loan.
Product: Mortgage

Hello My mortgage servicing company is Specialized loan servicing company. I have tried to work with them for the last 4 years avoid Foreclosure I submitted over XXXX no modification packages in SLS continue to state that it was incorrect because the system did not recognize my handwriting or did not recognize that that document was the correct document I even work with XXXX XXXX organization organization XXXX XXXX. They continue to give us the runaround to the point there was nothing else to do back in XX/XX/2020 I pay the {$40000.00} to save my house. In the month of XXXX I missed a payment I called to be put on a payment plan for only XXXX months the guy did my paperwork. they draft the money out of my account but continue to send the link for the letters. I called to inquire about the letters and they stated that they saw the payment plan but the system sometime didnt update and therefore I had to do another payment plan which increased my payments additional {$400.00}. Now Im paying XXXX on a XXXX mortgage. I asked for a forbearance and hardship assistance. A representative will state that I will receive a letter, and I never received a letter. During height of Covid-19, I asked and never received assistance and a letter of explanation.SLS company system scanner doesnt recognize sent documents correctly. This process has caused deep XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Reviewing my credit report I find a series of inquiries that were not authorized by me, I called on a couple of occasions to provide me with the corresponding help to dispute for their web pages where they give the option and they could not help me. 

I am attaching the date and place of each inquiries that was made without my authorization. 

TransUnion : The inquiries in question are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I had a business credit card account with Suntrust. I received the credit card with my account number and setup automatic payments as I always do. However, when Suntrust became Truist ( XX/XX/2022 ), I never received a new card nor anything with the actual account number on it so I was unable to reset my password or call in. When I did reach an actual representative, they were unable to find the account with my XXXX or XXXX number. It wasn't until I received a collection letter dated XX/XX/2022 that I obtained a document that had the actual account number on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN # XXXX On XXXX through XXXX Someone open a XXXX account using my info. Which was leaked by XXXX and over 100 searches found on the dark web of my information leaked. i did not want to post the XXXX XXXX stated they posted into my account was never posted. Fraudster had them post it onto his account and set my account to pay the fee. I have lost over XXXX credit points. I would never get a payday loan when I already have credit card far exceeds XXXX value. Experian there is no way to upload to your website. I have tried over XXXX - XXXX times. Using experian/upload and consumer/upload they both always fail. doesn't matter if its a 30kb PDF or 1mb PDF file. Please i cant afford to loose anymore points.
Product: Debt collection

I got a message from someone claiming to be a process server. He told me that he has papers in my name and social security number to serve me and that he would be serving me papers at my home or place of employment. He left a toll free number to call back with a case number to reference. I call back and they say they are mediators calling on behalf of Wells Fargo for a debt that is at least ten years old. A man named XXXX XXXX says say that if I arrange payment that day Wells Fargo would no longer sue me. They say they are a company called XXXX XXXX XXXX and offer mediation services. They say that if I don't pay on the phone I will be served papers and have to appear in court and will owe 4 times the amount if they take it to court. He told me that Wells Fargo wins 97 % of cases. He scares me into making a payment plan which I immediately cancelled after I got legal advice. They sent me an email afterwards and the email was not from the mediation company they claimed to be from. It turned out to be from XXXX XXXX XXXX XXXX. Never once did they say this was an attempt to collect the debt or send me notifications. He also bullied me by telling me the statute of limitations was not over because they sent me a letter in 2015 ( which I never acknowledged ). He harassed me and threatened to call my employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not putting on my Credit Reports : XXXX XXXX XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

1 : XXXX XXXX XXXX inquiry XX/XX/2021 ( Ive contacted this company to remove inquiry but to no avail. ) 2 : XXXX XXXX Used Cars- inquiry from XX/XX/2021. 

3 : XXXX XXXX XXXX inquiry from XX/XX/2021 4 : XXXX XXXX inquiry from XX/XX/2021 5 : XXXX XXXX XXXX- inquiry from XX/XX/2021 6 : XXXX XXXX- inquiry from XX/XX/2021 7 : XXXX XXXX XXXX XXXX inquiry from XX/XX/2021 8 : XXXX XXXX XXXX inquiry from XX/XX/2021 9 : XXXX XXXX XXXX inquiry from XXXX XXXX 10 : XXXX XXXX XXXX XXXX XXXX- inquiry from XX/XX/2XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

One of the Credit bureaus combined my info with another person with the same first name and our Social Security number was different by only one number. It took me approx 8mo.to clear it up or sort of clear it up. XXXX XXXX is now reporting the same thing. My car insurance tripled and I do not have any accidents or tickets. 

These Bureus that keep track of our information and share it with companies should be held accountable for mistakes. This is insane XXXX a month for car insurance. 

I have been on the phone with LexisNexis now for XXXX and have not gotten anything fixed or verified yet.
Product: Payday loan, title loan, personal loan, or advance loan

I've missed my payment due to being sick. This company had been harrasing me for weeks. They sent men to my house and banged on my door multiple times after I told them not to come back the first time, all of which is on my camera and recorded. Now they are harrasing me at work they have been calling multiple times after they were asked to stop. I have told them do not call me at my work place and harrass me and I have got my HR department involved. They can not call my work and tell my business and ask to speak toy supervisor, this has to stop now...
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX & I am a consumer Ive constantly told you guys that they have been violating my federal rights!!! I did not give them direct consent nor written instructions to furnish a consumer report. Yet Ive found over 50 items on my report HOLD THEM ACCOUNTABLE!!!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Sir/Madam, I am writing to dispute a charge-off listed on my credit report, which I believe has been reported inaccurately and should be removed in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681e ( b ). This statute requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. 
The item in question is as follows : Creditor Name : XXXX XXXX XXXX  Account Number : XXXX Reported Charge-Off Date : XX/XX/year> According to the Internal Revenue Service ( IRS ) , a canceled debt reported as a charge-off XXXX be considered gross or ordinary income. I received a Form XXXX indicating this debt was canceled on [ Date of Cancellation ], which, according to IRS guidelines XXXX legally releases me from the obligation to repay this debt. 
In accordance with the FCRAs stipulation for accuracy, and based on the legal cancellation of this debt as evidenced by the IRS documentation, I am requesting the removal of this chargeoff from my credit profile. The continued reporting of this charge-off is not only inaccurate but also misleading, given that the debt has been legally satisfied and should no longer negatively impact my credit history. 
Attached are copies of the following documents supporting my claim : Form 1099-C indicating the cancellation of debt. 
Correspondence with the creditor confirming the status of the debt as canceled. 
I request that you conduct a thorough investigation into this matter and remove the inaccurate charge-off entry from my credit report promptly. Please provide me with written confirmation of the removal of this item, along with an updated copy of my credit report. 
I expect a response within the statutory timeframe of 30 days as mandated by the FCRAFailure to correct this error could result in further action, including potential legal proceedings to ensure compliance with the FCRA. 
Thank you for your immediate attention to this issue. I look forward to your prompt and positive resolution. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : N/A Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 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 or 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: Mortgage

In 2014, my now ex husband and I purchased a home in Arkansas with the knowledge of foundation work being done prior to us moving in and with the knowledge of there being a warranty. I found out that the warranty expired in XXXX of this year. The home is now sinking. We have multiple cracks, some wider than others. One end of the house has dropped almost 3 inches. The other end inside the garage has started to split in multiple places and also inside our laundry room located on that end as well. We have contacted multiple companies and received estimates on how much it would cost to repair and the amounts are in the thousands which we do not have. I have contacted my mortgage company to file for a lien release so we can give the home back and just move out but was told that they could not do that due to the company not wanting to take the loss. The damage to the home is slowly getting worse and the mortgage company doesnt care. My complaint is the mortgage company is refusing to work with us on this issue and as stated above its getting worse and my husband and I do not make enough to cover it
Product: Credit reporting, credit repair services, or other personal consumer reports

Per XXXX customer service, I disputed this account with each credit bureau several times, requesting that the 30 day late payment be removed. For each dispute, the 30 day late payment was verified as accurate. I recently received a letter stating that after review of my account, it was determined the information was reported as accurate. I strongly dispute the recorded 30 day late payment in XXXX. 

A payment was made on XX/XX/2020 and two payments were made XX/XX/2020 and XX/XX/2020. During this period in time, the escrow on my loan was in the process of being removed. 

A bit of background : when the loan was originated, I opted out of escrow. However, several months ago, escrow was added to my account, causing my loan payment to increase. I repeatedly requested to have the escrow removed, as Ive elected to pay my home owners insurance and property taxes separate from my mortgage loan. After speaking with the escrow department and several customer service representatives, as documented by XXXX  representatives, I followed the process to have the escrow removed ( satisfying the escrow balance and sending signed letters to request that escrow be waived ). I was assured that escrow would be corrected and removed. I was then instructed to make my normal mortgage payment, sans escrow. 

On XX/XX/2020, XXXX  received my mortgage payment sans escrow. XXXX has a 17 day grace period where as a payment is considered late if it is received after the XXXX of the month. A late fee was was charged to my account ( and later waived ) because of the initial back and forth with customer service representatives instructing me to wait before paying my mortgage payment until escrow was properly removed. I was told that paying a different amount than what the system was displaying may cause my payment to be returned to me. The XX/XX/2020 loan payment was subsequently returned to me because the escrow had not been removed from my loan as I was assured and my account still showed that I owed a loan amount which included escrow. 

Upon contacting XXXX about the returned payment, they assured me that the escrow had been removed from my account and I could resubmit the payment, sans escrow. I resubmitted my payment and on XX/XX/2020, XXXX received and applied my XXXX mortgage payment to my account. On XX/XX/2020, XXXX received and applied my XXXX mortgage payment to my account. 

Since this loan was originated, I have made each of my mortgage payments timely and have never been 30 or more days late. While dealing with the effects of COVID-19, I have worked extremely hard to stay afloat and not let any of my financial responsibilities fall behind or suffer adversely. Receiving a 30 day late payment on my XXXX mortgage account ( I have never been late for any accounts that are reported on my credit ) has ruined my credit and has caused creditors to decrease my credit lines on several of my accounts because my credit scores severely suffered with the 30 day late payment that is currently being incorrectly reported on my mortgage account with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my 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 creditor. Please correct the account 's information ASAP :
Product: Debt collection

In XXXX I took out a loan on a XXXX XXXX with wells fargo bank, two years latter when the housing market crashed I lost my job and returned the car to them volunteerily with the understanding that they take the car and nothing else agreed to by my loan officer over the phone, 11 years latter I was sent to collections and refused to give them anything as per the original agreement with the bank, I received another attempt to collect with a different debt collector about a year after that and again refused because of the original agreement. In XXXX there was another attempt from yet another debt collector and I again told them no and refered them to my original agreement with the bank, now in XXXX on XX/XX/XXXX I was called along with my father and both brothers from an office calling itself the process office, after contacting them I was given a phone number and a reference number. After repeated attempts to contact the law office? I am not entirely sure they are but they do claim to be I was told the are bringing a law suite agents me for the debt on the XXXX in spite of the previous agreement made between myself and the bank, when I told them the statute of limitations has long sense expired I was told they are using a loophole in title 34 or something.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : AXXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, 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 the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.