23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX we had a conventional 30 year fixed mortgage and a line of credit second on our primary residence with Bank of America. We own no other commercial or residential housing. The terms of the mortgage were that in XXXX XXXX both 1st and 2nd mortgages would convert to a 15 year fixed. Knowing that combining these two mortgages to a 15 year fixed and that at the time my husband ( the primary earner ) would be XXXX XXXX years old and looking at future retirement we asked B of A, starting in XXXX XXXX, to combine the 2 mortgages into a 30 year fixed in anticipation of lower monthly payments for retirement. B of A refused. My husband lost his job with XXXX XXXX in late XXXX forcing early retirement on us. By XXXX it was clear that on a fixed income we could not pay the higher monthly mortgage ( 15 year fixed ) and our credit/ tax obligations we had to declare chapt. XXXX bankruptcy on XXXX XXXX. On XXXX XXXX we filed for a loan modification program with B of A on XXXX. It is now XXXX ( a process that B of A said would take 2 weeks ) and their loan modification plan now has a HIGHER MONTHLY PAYMENT than the original 15 year fixed plan. This nothing but pure AGE discrimination from refusing our request in XXXX to the current loan modification plan. We submitted one of the cleanest applications possible ; no alimony, no child care, no other distracting variables. They only had to convert a 15 year fixed to a thirty year fixed and none of this would have happened. Since B of A has provided us with thirty year mortgages at least twice in the past the only difference from then ( our first mortgage with B of A was in XXXX ) and now is our AGE.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was not given the proper notice to dispute this debt that is dragging down my credit score on my report. This debt has since been closed and paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries, addresses, phone numbers, names. Also giving out my information to 3rd party sites without my permission
Product: Mortgage

I contacted Dovenmuehle mortgage inc, they are the loan servicer on my FHA mortgage, about Covid-19 hardship forbearance at the beginning of XXXX after 2 weeks I had not heard back about the details of the forbearance so I gave them a call on XX/XX/XXXX. I was told that I was already in forbearance as of XX/XX/XXXX and I would only get 3 months of forbearance as opposed to the 6 months guaranteed by the cares act and that my payments would also be due at the end of the 3 months and I would be reported as late for the 3 months as well. When I asked why I couldnt get the 6 months and I could roll the payments to the end of the mortgage I was told that that they were in compliance with all the federal agencies. I also was told I wouldnt have the written details of the foreberance program that I was placed in with out me having a chance to discuss it with them for another 30 days, if I hadnt called I wouldnt have even known I was in foreberance at all. The way this company is handling the situation caused by the global pandemic is unethical and I would like the situation remedied
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX XXXX XXXX Balance : {$110.00}
Product: Credit card

Hello. This is regarding a dispute case ( XXXX ) filed with XXXX for XXXX credit card ending XXXX. I reported that a watch sold to me on XXXX for {$360.00} on XXXX, listed as brand new, was not in new condition. This mechanical pocket watch had fine scratches on the case, the XXXX  was twisted, and did not start working after winding it up ( it works sometimes on its own and stops ). 

I uploaded the following documents : 1. advertising page showing brand new 2. receipt 3. return request and pictures of the product XXXX. XXXX 's policy stating seller had to provide return label 5. " return complete '' on original receipt with no refund 6. seller 's false email stating they could not provide shipping label for U.S.A. , while XXXX provides tools to sellers to create return shipping labels internationally XXXX post office receipt of return cost of my own, seller 's address page, and address used at post office on the custom form
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Reporting Agencies XXXXMidland Credit Management Collectuo XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX { VIOLATIONS } XXXX15 USC 1681i ( a ) 1 challenges the 30 day response time + 15 USC 1681i ( a ) 6 ( B ) 3 challenges investigation protocol +15 USC 1681i ( a ) ( XXXX ) B challenges reinsertion protocols I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results ikes effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled is XXXX a similar manner. 
Please review the Inaccurate Information being report : 1. r the XXXX  , you are required to : ental ) loney XXXX Conduct a proper investigation into my dispute. 
XXXX efstepulsted yet hoestigintisthie a clear and comprehensible manner. 

Please review the Inaccurate Information being report : Under the FCRA, you are required to : Conduct a proper investigation into my dispute. 
Inform me of the results of your investigation in a clear and comprehensible manner. 
Provide me with any documentation you rely on if the disputed information is verified as accurate. 
Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly. 
If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report. 
ikes Furthermore, I request written confirmation of the actions you take in response to this dispute. If you fail to resolve this matter, I reserve the right to escalate the issue with the CFPB and other appropriate agencies. 
XXXX Thank you for addressing this matter promptly. I look forward to your response within the legally mandated XXXX day timeframe. 




XXXX XXXX
Product: Checking or savings account

I am an elderly person on a fixed income of {$970.00} a month and because of the handling of my checking account after 4 years and no problems, this bank has made me homeless where I must sleep in the streets because of their new risk/ fraud department headed by a ghost named XXXX . On XX/XX/XXXX, they let XXXX water take {$120.00} XXXX from account for a home I have not lived at since XXXX. I disputed with bank because water company closed to the public and I never gave them the card number, bank said Visa gave out number They said they would give me new card and it would never happen again. But it did on XX/XX/XXXX they paid XXXX water {$32.00}, again on XX/XX/XXXX {$23.00}. Then on XX/XX/XXXX I went into a XXXX store to have them fix phone. They lied and said I needed a 5 g phone at {$70.00}, but presented me with a bill for {$230.00}. 
So I declined and left store empty handed. On all these charges I received XXXX services. Contacted bank immediately to tell them of these unauthorized withdrawals as being on a fixed income made my account negative for the bank not safeguarding my money. So instead of rectifying and representing their customer, they charged me {$500.00} in insuffient funds charges so they have stolen over {$900.00} out of account of fixed income of {$970.00}. Went to bank to straighten out and afincial advisor named XXXX XXXX told that I was old and had no money and BBVA was tired of broke elderly people and to close account as I would never receive a XXXX back from the bank and I deserve to be homeless So they stole the money and they are proud of it.
Product: Student loan

I have been asking Mohela for several months to be out of forbearance, which seems to have been initiated from enrolling in the XXXX plan ( I've been asking this question and no one would give me an answer ). This is preventing me from re-qualifying for the XXXX plan, which I was previously on for several years. I'm about half way through. All my loans are federal and I've been working for qualifying local governments over the past XXXX years. I recently re-certified ALL of employment for XXXX. 

I want off of the XXXX plan. I want out of forbearance. I have been making monthly payments. 

There does not appear to be any way to un-enroll myself from the XXXX plan or get myself out of forbearance on either Mohela 's website of the Federal Student Aid website. 

Please help!
Product: Credit reporting or other personal consumer reports

According to the Privacy Act Notice provided from grantor it states that my information would only be used for identification purposes, I have requested several times for credit companies to remove said item.
Product: Money transfer, virtual currency, or money service

I have had nothing but problems with cash app. Every single card I have had from them has been hacked into and money used and they never do anything about it. I have been getting charged for 2 months from a company called XXXX XXXX XXXX XXXX XXXX. One transaction on XXXX XXXX for {$1.00}, another transaction was made on XX/XX/XXXX for {$30.00}, another transaction after blocking the business was for {$29.00} on XX/XX/XXXX, another one was made on XX/XX/year> for {$29.00}, another one on XXXX XXXX for {$29.00}, another one on XX/XX/XXXX for {$29.00}. But the rest of those from XXXXXXXX XXXX XXXX XXXX luckily were declined bc i locked my cardI 've also had transactions made on XXXX XXXX  that I didn't make as well the first one is on XX/XX/year> for {$16.00}, another one on the same day for {$16.00}, and another one that was made that evening for {$16.00} and {$32.00}. And cash app doesn't stop them. And I can't get a new card bc im supposed to be going out of town XXXX XXXX XXXX and I need that card bc that's the one on file for my hotel room and my bus ticket. So I can't just cancel it. I want my money back. I qualified for the last law suit, but cash app never sent me the thing to file. I am tired of their lack of security and not doing anything about it!
Product: Vehicle loan or lease

I have contacted Ally Financial on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, as it relates to my car loan account not being reported to the credit bureaus. It has not been properly reported since XXXX XXXX. I have made signifigantly large payments on my loan which have not been reported. 



I would like to ensure that my car loan is reported with me owing the amount I currently owe which is XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XX/XX/XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting or other personal consumer reports

Bankruptcy Public Record. Send the source of information for this item. I contacted the court listed in the report and they claim to have no involvement with this item on my report. Under section 1681g, I am entitled to know who is reporting this information. 

XXXX XXXX XXXX XXXX and XXXX  XXXX XXXX. These two accounts do not list the date of first delinquency. The date of first delinquency is the date that an account became delinquent and was not subsequently brought current. An accurate date of first delinquency is important because federal law allows negative entries to remain on credit reports for only seven years from the date of first delinquency. Knowing the date of first delinquency ensures that I will not be penalized with negative credit reporting for a longer period of time than allowed. Under section 1681s-2 ( a ) ( 5 ) ( A ), both XXXX  XXXX XXXX XXXX and XXXX of XXXX are required to provide Trans Union with this information. I am entitled to all the information in my file. So, please provide it. If they are not providing this information, then the information is incomplete and must be deleted.
Product: Payday loan, title loan, or personal loan

On XX/XX/2023 I requested a payoff amount and submitted the amount provided electronically the same day ( within minutes ) to pay the loan off in full. Several hours later, the payoff amount/payment was posted to my account, and the payoff was short by {$4.00}. I called and requested a reason as to why the payoff was not provided correctly. I was informed there was some kind of system error that did not calculate the accrued interest for the XXXX, even though I had requested the payoff on the same day. I was informed due to the error, they would have the balance waived, and the process would take 5-7 days. After 10 days, and interest still continuing to accrue on the remaining balance, I called again on XX/XX/2023 to inquire as to why the remaining balance had not been taken care of as stated it would on the XXXX. I was informed the balance was only {$4.00} and I could pay the remaining balance off over the phone. I had to go back through what happened again. I was placed on hold ( as I was the first time on the XXXX ), and was told they would escalate the issue again. I'm concerned this company is harming other customers by not providing accurate payoff quotes, leaving consumers short on payoffs, and additional interest accruing on the accounts, making it harder for customers to get accounts paid off and resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am filing this complaint against XXXX for their blatant and continuous violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, and other applicable laws. Experian has willfully neglected its legal obligation to properly investigate disputes and update inaccurate information on my credit report, despite receiving sufficient documentation FOR OVER A YEAR! 

For accounts : XXXX XXXX  XXXX : Account # XXXX XXXX XXXX : Account # XXXX I have submitted the following documents as evidence to resolve the issue : 1. A notarized FTC Identity Theft Report.

2. A notarized police report.

3. Copies of my government-issued identification.

4. Proof of address to verify my identity. 

These documents were sent to XXXX in compliance with their requirements. However, XXXX has ignored or improperly handled my dispute, failed to provide adequate updates, and allowed inaccurate, damaging information to persist on my credit report. 

Additionally, I am aware that the Consumer Financial Protection Bureau ( CFPB ) is actively suing XXXX for repeated violations of consumer protection laws, which reinforces their pattern of negligence and disregard for consumers rights. XXXX has not only caused significant harm to my financial standing but has also violated my rights to fair and accurate credit reporting. 

If this issue is not resolved promptly, I am prepared to take legal action against XXXX for : 1. Failing to correct errors on my credit report.

2. Neglecting their legal obligation to investigate disputes under the FCRA.

3. Inflicting harm and financial damages by allowing false information to persist. 

This is a demand for immediate action. XXXX must correct the inaccuracies on my credit report, provide documentation proving the completion of a thorough investigation, and comply with federal laws immediately. I will hold them accountable in court if they fail to take corrective measures.
Product: Credit reporting, credit repair services, or other personal consumer reports

after being informed XXXX/FORTIVA XXXX is furnishing a tradeline on my consumer credit file that is a result of aggravated identity theft 18 usc 1028a. XXXX/FORTIVA XXXX has knowingly furnished false credit information to the credit reporting agencies as a means of coercing payment on this extension of credit by the use of unlawful extortionate means, which is not lawfully my account. I have reason to believe XXXX/FORTIVA XXXX had prior knowledge that punishing a consumer for the nonrepayment of an extension of credit by engaging in extortionate means is a violation of the False Claims Act and XXXX XXXX and Corrupt Organizations ( XXXX ) XXXX. The furnishing of this false tradeline violates the FCRA. Any account resulting from aggravated identity theft it to be blocked within 4 days of receipt of notice as outlined under 15 USC 1681c-2. If has been more than 3 months and the information is still on my credit file. In fact after notifying XXXXFORTIVA XXXX they notated my account as " Transferred to another lender Purchased by another lender '' so instead of complying with the law they have chosen to sell the fraudulent debt to a debt collection agency to cause more harm to my financial reputation. Their blatant repudiation and noncompliance with the law is disgraceful and is a blatant example of a pattern of racketeering activity in attempts to fund their corrupt organization. XXXXFORTIVA XXXX is knowingly engaging in racketeering activity to fund its criminal enterprise. Ignorance of the law is no excuse to violate it. As your enterprise should know that punishing a consumer for the nonpayment of an fraudulent extension of credit by furnishing false information to third parties in order to jeopardize the financial reputation of the consumer with other financial institutions constitutes aggravated identity theft 18 USC 1028a and violation of the XXXX act 18 USC 894.

I am demanding XXXXFORTIVA XXXX to provide me with the consumer credit contract bearing my signature, and their errors and omissions insurance information. XXXX/FORTIVA XXXX is also to provide documentary evidence such as the books of account or any evidence as described under 15 USC 44 that this is in fact a legitimate debt owed to them by me XXXX XXXX. A statement does not prove anything. If your enterprise sends me a statement, I will take that as your complete disregard for the law and financial reputation and move to file suit for the intentional infliction of emotional distress I receive on behalf of these extortionate tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am notifying you about my identity theft in my letter of complaint since I was a victim of it. I've discovered that some of the accounts included on my credit report are either not mine or were opened without my knowledge. I need your help to remove these items from my report. Any accounts referenced in an identity theft report must be blocked by the credit bureaus, according to FCRA section 605b. I've included a few documents to help in the effort to stop the submission of false information on my report. 
XXXX XXXX Balance Owed : {$450.00} ; XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00}
Product: Credit card or prepaid card

PayPal XXXX by XXXX XXXX  XX/XX/22 {$700.00} I reported it to the fraud department
Product: Student loan

I tried to sign up for the SAVE program, after using the Federal Student Aid website calculator which took into account the pre-tax dollars that I do not see in my salary i.e. my XXXX deductions, Health Insurance, FSA and HSA dollars, to calculate my repayment amount. 

When I went to my loan processor, Mohela, and tried to calculate how much it would be for me to use the SAVE program, Mohela does not take into account what pre-tax dollars I do not see in order to calculate my payments. Mohela only looks at Adjusted Gross Income, my number of dependents and if I can access my spouse 's income. There is a {$20000.00} difference between my XXXX and my post deduction income, I can not afford the payment under the SAVE Program because it is artificially high when calculated by Mohela. 

I called Mohela to speak with a customer service representative and was told that there was no other way to calculate my income and that was the only information that Mohela considered when determining the repayment amount. 

The Mohela repayment amount is more than twice what I was quoted when I used the Federal Student Aid website to determine what my payment would be under the SAVE program.