23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This is regarding case # XXXX. I have tried to dispute Bank of Americas answer but the system wo n't let me submit my response. 
I have had it with this company! My bank statements clearly show that I have paid my mortgage every month on time! XXXX was paid! We were instructed by our account rep. XXXX XXXX in the XXXX time frame that we were approved for a trial modification and our first payment would be XX/XX/2015. We completed this modification and this did not change my interest rate in any way! A giant waste of time! We were told that our account was now current and in good standing! 
Last week I was denied a refinance at my bank! The mortgage officer showed me a print out of my credit report that showed BOA listed me as delinquent for XXXX, 2015. This was our trial mod. period. This is another demonstration of how BOA holds their customers hostage in such a way that one can never escape and is forced to stay in their high interest mortgages. These tactics are well documented in past court litigations. 
I paid this months mortgage on XXXX XXXX before the grace period due to an out of town commitment, I 'll bet that shows up as late or I get a fee attached. This has been going on for several years now. All attempts to refinance have been delayed, lost documents, switched account reps and a number of other excuses to keep my family anchored to their high interest mortgage and incompetent service! If something is not done I will have no alternative but to obtain a lawyer a file suit. The damage this has done to my family is cruel and unjust!!! 
I want BOA to CLEAR MY CREDIT REPORT AND PROVIDE A DOCUMENT EXPLAINING THIS SO I CAN REFINANCE ELSEWHERE!!!!! Also BOA attached {$1800.00} to my principal saying it was overdue interest. INTEREST ON WHAT? Itemize and explain this fee! overdue interest tells me nothing!!! They have the power to contact me and inform me of any issues, but choose not to. This is how they operate and imprison their customers. 
I WANT OUT NOW!!!! BOA resolve this and let my family go!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TranUnion regarding this issue on more than one occasion. XXXX XXXX also stated that they submitted a letter via electronically.
Product: Payday loan, title loan, or personal loan

I make regular scheduled payments on my consumer loan through my bank to Castle Credit. 

In XXXX they claimed they had not received my payment. Although I had proof from my bank that the payment was made on time they charged me a late fee. I told them I would put a stop on that check and issue a new payment. Then miraculously they somehow " found the check " they claimed not to have received and then charged me a fee when they deposited the check that I had already told them I put a stop on. The same issue occurred on XX/XX/XXXX. I spoke to my bank to put a stop on that check and asked how could this happen. The representative from my bank told me because Castle Credit opted to receive physical checks in the mail rather than e-checks. I believe their claim of not receiving checks is a scam and they " lose '' checks in order to charge a late fee. and then double charge fees when they " find '' the missing check a day after they charge a late fee. 

I also attempted to get an explanation of 3 fees they charged on my account on XX/XX/2021 Reverse P+I Interest of {$30.00}, {$70.00}, and {$74.00}. 

I believe they are running a scam to try to get extra fees and would appreciate your looking into their business practices. 

Thank - you
Product: Checking or savings account

I placed a dispute for a charge I did not authorize at all for {$130.00} which caused my account to go into the negative. The bank had the audacity to not even contact me to say it was denied which is crazy. I was given the run around by a representative and a manager. I had it up to here with TD Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two inquiries from Citi -bank for the same day. I applied for the account, it was opened that day but I have two inquiries from the date even though I only applied once. I called and asked to have this fixed and they told me it would be handled. I then received a letter stating there is nothing that can be done. The date of my application was XX/XX/XXXX and I have 2 inquiries from that date from Citi- bank.

Thank you!
Product: Checking or savings account

Bank of America XXXX Department called me on XX/XX/23 informing unauthorized charge was being taken from my XXXX XXXX Account in the amount of {$3500.00}. I had to transfer funds in order to cancel the funds to verify my identity. I called Bank of America back after completing transaction and they informed this was a scam and theres nothing that can be done from XXXX to retrieve my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. 
Also, stated in the HIPPA law section 1681b ( g ) ( 4 ) you are not allowed to disclose any of my medical information this is clearly a violation to my privacy. delete it from my report immediately.
Product: Credit reporting or other personal consumer reports

I was reviewing my Credit Report and noticed that the following companies are listed. I do not know who these companies are. I requested for Experian to investigate since they are reporting this information to my credit report, however they have only responded that this information has been verified with no proof of the verification. Due to the 15 U.S.C 1681 there should not be any issues on my reporting, and this is a defemination to my character and my credit reporting.
Product: Debt collection

Barclay 's XXXX called twice on XX/XX/year> at XXXX XXXX  ET ( my time zone. ) This violates the unusual time provision of FDCPA.
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. Or 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 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

I have never had an account with PORTFOLIO RECOVERY ASSOCIATES.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, XXXX XXXXXXXX XXXX submitted an inquiry for my credit history without my consent. The enclosed are letters from XXXX verifying PER MY REQUEST applications in XXXX for a XXXX credit card were no longer being reviewed. The reason I requested to stop any further review was due to mishandling of the applications. On XX/XX/2022 I filed a complaint against XXXX regarding the mishandled applications. I am shocked and appalled that XXXX has again mishandled applications in XXXX for a credit card with a XX/XX/2022 inquiry that was at no time authorized.
Product: Credit reporting or other personal consumer reports

RE : Demand for Compensation for Violations of Federal Laws and Emotional Distress To Whom It May Concern, I am writing to formally demand compensation for the financial and emotional damages caused by Equifaxs mishandling of my credit report. Despite my numerous efforts to resolve inaccuracies over the past year, I have faced significant challenges that have negatively impacted my ability to obtain credit and support my family. 
Recently, I noticed that XXXX XXXX was improperly re-added to my credit report as of XX/XX/2024, without justification or proper notice. This action violates 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which prohibits credit reporting agencies from re-inserting previously deleted items unless they have been re-verified with evidence of their accuracy and the consumer is notified within five business days. Equifax failed to comply with this requirement, causing further harm to my creditworthiness and emotional wellbeing. 
In addition, I have repeatedly requested corrections to my name on the report, which remains inaccurate. This ongoing issue highlights a failure to fulfill the duty of maintaining maximum possible accuracy as mandated by 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681, which requires credit reporting agencies to ensure the accuracy and integrity of the information in consumer reports. 
I believe these actions represent willful noncompliance with the Fair Credit Reporting Act ( FCRA ), which entitles me to remedies under 15 U.S.C. 1681n. This includes actual damages, statutory damages of up to {$1000.00}, and potential punitive damages for Equifaxs reckless disregard for my rights. 
Furthermore, I want to emphasize the violations of privacy and data protection laws, including the Gramm-Leach-Bliley Act ( GLBA ), which requires financial institutions to safeguard consumer information. Equifaxs failure to maintain accurate records and prevent unauthorized changes to my credit report is unacceptable and constitutes negligence under 15 U.S.C. 1681o. 
The emotional distress caused by these inaccuracies and the mishandling of my personal information can not be overstated. Therefore, I am seeking compensation for the damages incurred due to these violations. 
Additionally, I am deeply concerned about the breach of my personal information within your company. It is unclear whether my information has been compromised, as items continue to reappear on my credit report without my consent. This ongoing issue has caused me a great deal of stress, and I believe it warrants compensation for the time, money, and energy I have invested in resolving these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. 
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : List of accounts to be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. So, with that being said, with great power comes great responsibilities. It's really up to you how you want to use this information.
Product: Debt collection

I been advised to give TRANSUNION 1 last final chance to cure. I'm a federal protected consumer and federal laws have been broken. I have been patient with the process, but we have been dealing with this since XXXX. So I want to be clear I don't want we still working on it, or this is a duplicate. I have to send this over and over because I have not been presented with these items. I want the original wet signature contract between ME and XXXX XXXX XXXX XXXX stating I will pay alleged debt, also me given consent to furnish said debt on my consumer report. I also want and asked for the license to collect a debt in florida, the date of license and the name on the license. The following federal laws have been broken and also I will have the CFPB send this to the FTC. FCRA 609 and 605 as well as 623. Also 15 USC 1681a ( 2 ) ( I ) and 15 USC 6802. 15 USC 1682g. So to be clear I asked for the wet signature contract between ME and XXXX XXXX XXXX XXXX, and also me given written instruction to furnish ANYTHING on my consumer report, which I NEVER did and thats identity theft. Also TRANSUNION I have late payments which VIOLATES my federal protected rights 15 USC 1666b. So to be clear TRANSUNION and XXXX XXXX XXXX XXXX have VIOLATED my federal protected rights by not presenting all the items stated above, but yet still furnish negative item on my consumer report. I DEMAND IMMEDIATE PERMANENT DELETION!!! IF NOT THE CFPB WILL HELP WITH LITIGATION AND REPORTING THIS TO THE FTC!!! 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX, with XXXX XXXX XXXX Has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account XXXX, with XXXX. Has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX, with XXXX XXXX Has violated my rights. 

15 U.S.C 1681 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.
Product: Credit reporting or other personal consumer reports

Equifax is very incompetent and seriously needs to be investigated and perhaps fined. I have tried on multiple times to resolve this issue yet they are not helping. I need the CFPB to intervene. They sent me a letter in the mail requesting additional documentation such as a copy of my SSN and utility bill to establish identification which I gladly did. Yet they are still tossing me around left and right. I am appalled by this whole situation
Product: Mortgage

Our mortgage was sold by XXXX to Ditech around XX/XX/2015. XXXX had paid or annual taxes from our escrow account prior to it being sold. Ditech then also paid our taxes for the year resulting in a double payment. We received a refund check from our taxes being overpaid by the county and were confused. When we called XXXX to inquire, they informed us that our mortgage had been sold. We had no idea. There was absolutely no communication on XXXX or Ditech 's behalf of this move. We then called ditech to see let what was going on. They said to send them back the check, which we did. They then proceeded to charge us twice the amount for our escrow the following month. Our mortgage payment was on auto-deducted out of our account. In effect, our mortgage payment was almost {$600.00} more than usual. We, of course, were expecting our regular mortgage payment to be deducted from our account and were not prepared for an extra {$600.00} coming out which resulted in overdrafts and fees. We immediately called ditech to fix the situation. They said it would be fixed in 8 days. 5 months later it has still not been resolved or fixed. They keep billing us {$600.00} over our regular mortgage payment and refuse to fix the situation. We have called repeatedly, had to explain things to each new person over and over. No one will actually help us. They keep telling us it should be resolved in 8 days but when we call to follow up it is never fixed. Throughout this process we have been paying our regular mortgage payment because we have no idea what else to do. They are now treating us as if it is our mistake and sending us 'loss mitigation ' letters, putting notices of non-payment on our door and acting as if we are delinquent on our mortgage payments. We do n't think they have officially reported us to the credit bureau but we are concerned that they will. We have pursued a lawyer 's help but would rather not go through the hassle and expense. We are at our wit 's end. We have tried to refinance with another bank but since our mortgage is less than 2 years old we have little equity. We have also requested to handle our own escrow account.
Product: Credit reporting or other personal consumer reports

Experian reports an XXXX account on my own credit report. That account belongs to my ex spouse. We have been divorced since XXXX and keep our finances separate. I have repeatedly tried to dispute this item this year XXXX, over and over, through the Experian website and XXXX XXXX XXXX. Every single time, Experian says the account has been verified- but never, ever explains how. And has never provided evidence that I am responsible for the account. 

The account is in my ex-spouses name. She has the card in her possession. She has made all the payments from her separate funds. The bills are in her name. 

Recently, the Experian website wont even accept my online disputes. This XXXX credit account was opened by my spouse in ca. XXXX for her own sole use. I have never had an XXXX credit card. Right now, the balance on my spouses card is over {$7700.00} according to my credit report this week. Obviously this affects my credit score. 

My name is different from my spouses. Our social security numbers are different.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report, there shows a charged off account with a balance of {$610.00} from XXXX XXXX XXXX. There also is a a collection account from XXXX XXXX, XXXX, showing a balance of {$610.00} I would like both of these accounts to be removed because they are reporting false information because because a charge off which has been placed in collections, should report a XXXX balance
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following items are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 

XXXX XXXX XXXX XXXX : {$330.00} XXXX XXXX XXXX XXXX : {$1500.00} XXXX XXXX XXXX XXXX : {$170.00} XXXX XXXX XXXX XXXX : {$2500.00} XXXX XXXX XXXX XXXX : {$6700.00} XXXX XXXX XXXX  XXXX : {$4700.00} XXXX XXXX XXXX XXXX : {$330.00} XXXX XXXX XXXX XXXX : {$1500.00} XXXX XXXX XXXX XXXX : {$17.00} XXXX XXXX XXXX XXXX  : {$2500.00} XXXX XXXX XXXX XXXX : {$6700.00} XXXX XXXX XXXX XXXX  : {$4700.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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

My identity was stolen and there are alot of this that are opened under my name which was fraudulent and unauthorized .These items are messing up my life and I need them all removed asap.
Product: Debt collection

I don't recall having a contractual relationship with this collection company Hunter Warfield. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account " Status Update '' Date is INACCURATE and is falsely represented on credit report. " Status Update '' is showing XXXX of XXXX as the last status which is ILLEGALLY keeping the status on my credit report within the statute of limitations. If this account was allegedly charged off in XXXX of XXXX then the last " Status Update '' should have reflected XXXX. This account is reporting inaccurately, it is predatory and I want this account deleted from my credit report immediately! 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX