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

On XX/XX/2022 I sent a letter to the company requesting removal of several accounts reporting to my credit with incorrect information showing. I patiently waited 35 days and received no response at all. So I proceeded with another letter requesting this information be updated & corrected or completely deleted from my credit file. Today is XX/XX/XXXX and I have received no response nor have this information been removed. It is illegal practice as credit reporting agencies are required to report 100 % accurate information. These accounts are inaccurate and its very clear of that. The credit reporting agency is not complying with my investigation. Previously I was told that they were unable to locate my credit file. I sent ALL information needed. This was clearly an attempt to stall or completely stop the investigation process. I am now ready to file a lawsuit if I have no results of accounts being UPDATED with the 100 % ACCURATE information, or completely DELETED from the credit file under my social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX, XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX  XXXX XXXX XXXX View account details Account owner Individual Account Date reported XX/XX/XXXX Account status Unpaid Original Creditor XXXX  Date assigned XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX View account details Account status Age of Account Late payments Closed XXXX  years XXXX  months XXXX  days XXXX  XXXX  - XXXX XXXX XXXX XXXX View account details Account status Age of Account Late payments Closed XXXX  years XXXX  months XXXX  days XXXX XXXX XXXX XXXX XXXX XXXX XXXX View account details Account status Age of Account Late payments Closed XXXX  years XXXX  months XXXX  days XXXX FCRA violations : payments never late XXXX XXXX XXXX XXXX View account details Reported balance Actual payment amount Date of last payment Past due amount Account status Date reported {$840.00} XX/XX/XXXX Pays account as agreed XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX View account details Reported balance Actual payment amount Date of last payment Past due amount Account status Date reported {$5.00} XX/XX/XXXX Pays account as agreed XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX View account details Reported balance Actual payment amount Date of last payment Past due amount Account status Date reported {$380.00} {$480.00} XX/XX/XXXX Pays account as agreed XX/XX/XXXX XXXX XXXX XXXX  : XXXX View account details Reported balance Actual payment amount Date of last payment Past due amount Account status Date reported {$510.00} XX/XX/XXXX Pays account as agreed XX/XX/XXXX XXXX XXXX XXXX  XXXX : XXXX XXXX account details Reported balance Actual payment amount Date of last payment Past due amount Account status Date reported {$260.00} XX/XX/XXXX Pays account as agreed XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX View account details Reported balance Actual payment amount Date of last payment Past due amount Account status Date reported {$1900.00} XX/XX/XXXX Pays account as agreed XXXX XXXX  XXXX  : XXXX View account details Account status Age of Account Late payments Closed XXXX  years XXXX  months XXXX  days XXXX XXXX  XXXX  : XXXX View account details Account status Age of Account Late payments Closed XXXX  years XXXX  month XXXX  days XXXX XXXX  XXXX  : XXXX View account details Account status Age of Account Late payments Closed XXXX  years XXXX  months XXXX  days XXXX XXXX  XXXX  : XXXX View account details Account status Age of Account Late payments Closed XXXX  year XXXX  months XXXX  days XXXX Other ( XXXX ) FCRA violations : addresses not mine Previous address XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous XXXX XXXX  XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX, IL XXXX Dispute this Previous address XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute this XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute this
Product: Mortgage

Freedom Mortgage bought my loan in XX/XX/2018. From day one I have had nothing but problems with them, ie. recording payments properly miss applying payments to the wrong account. 
I have had converstions with them on more times then I would have cared to, with nothing resolved. 
I have asked for a face to face to resolve the issue but they stated " we dont do that ''. 
I have this all documented with the dates, times, and person Ispoke with. 
They have now filed a foreclosure proceeding against me. I am not in the arrears and I have all my bank statements to prove it. 
I have their statements showing on several different occasions that there was no payment due, I knew this was nor correct and amde the payments anyway. 
Their statements are very confusing and I believe this is intentional, so as to confuse the customer. 
they keep calling and asking me to sign up for a program to get money from the government to pay what they say are arrearage, I did not participate in this because I am not in the arrears, This seems like a scam on their part to get money not due them. 
I am in the process of compling the bank statements and will provide them in a few days. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

CapitalOne Mortgage assumed our mortgage from XXXX. I have automatic deductions of mortgage payment from checking account. XXXX was sent back by CapitalOne and they do not give a reason but charged a late fee. On phone payment, the agent of CapitalOne gave a confirmation number of transaction yet never put it through. But, they charged another late fee. XXXX late fees for their mistakes and no accountability. On complaint, I am transferred from one agent to another and finally they say a special agent will call back. No return call ever received.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax 's lax security caused my information to be stolen and leaked publicly, including my personal PII like SSN, DOB, Name and Address. Now I am a target for fraud and identity theft.
Product: Student loan

In XX/XX/2017 we filed our original lBR. In XX/XX/XXXX our income changed dramatically due to job loss. On XX/XX/XXXX we filed for a 30 forebearnce and re filed all paperwork to reflect this with A.E.S. On XX/XX/XXXX we were notified by mail that we did not submit all the paperwork to reflect my wifes income. We called them and the customer service agent told us that they were missing half of the paperwork that we faxed in. First, we mailed the paperwork. Second, they claimed to have pages 1,3,5 and 7. So pages 2,4 and 6 were on the back of these pages. We were also told that we have to hand write statements to coincide with the job loss. We were not told this before. We were not required to do this with our other 2 loan servicers. It also states in the IBR from the student loan website that you are NOT required to submit any additional paperwork stating this. It states this twice. We then FAXED and MAILED the paperwork again, within 24 hours. We requested another temporary forebearance to allow for this to be entered. We were denied. We were assured by the customer service agent and the manager on duty that this would not be necessary and they would fix the issue. On XX/XX/XXXX we received an email stating that we were 5 days behind on payments and now facing the possibility of default. We have not even been told what our new payment is or if we qualified for a lower payment due to the new IBR paperwork. It also threatens to report to the credit bureau. This company is constantly finding ways to threaten us with this and they are never timely on their end, or they misplace paperwork that is given to them. We also have loan amounts that are 3X the original amounts due to them constantly changing the interest rates.
Product: Debt collection

I seen this account posted on my account several months ago that was unfamiliar to me and attempted to dispute the debt with the credit bureaus. The accounts continued to come back verified and only with some billing statements sent to me from Syncrony Bank/J.C Penny. I contacted Syncrony Bank/J.C Penny. directly by phone and spoke to a customer service agent who reported that they had no information on the account and that it was assigned to collection agency XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and they were unable to verify the debt and deleted the accounts from my credit reports.I again contacted Syncrony Bank/J.C Penny. and mailed them a letter by certified mail on XX/XX/2019 asking how they verified this debt and to send me a contract with my signature. It is now XX/XX/2019 and they have yet to respond to my letter regarding my request to this account listed on my credit report.
Product: Checking or savings account

First of all, none of the provided categories fit my specific situation so I picked the closet possible choices but my issue is actually about a sign up bonus for opening a business checking account at US Bank. 

It's a bit of a long story so I will try to accurately describe the situation while keeping it concise and easy to follow. 

I opened a business checking account ( as sole proprietorship/a DBA ) based on a promo offer some time in early XX/XX/XXXX ( promo was a {$300.00} bonus after depositing {$3000.00} within 30 days etc. ). Here is an example of their current offer : https : //www.usbank.com/splash/business-checking/online-banking-bonus.html # : ~ : text=Earn % 20your % 20 % 24300 % 20Business % 20Checking, and % 207 % 2F29 % 2F2022. ( note that promos like this change from time to time so mine was slightly different from this one ). 

Anyhow, when I tried to transfer money from an external checking account to US Bank checking to meet the minimum balance requirement for this promo, I ran into roadblocks ; for some reasons I couldn't do it online via the online portal. I reached out to customer service email, who responded with an explanation and some instructions etc. but it didn't resolve my issue when I followed their advice. I then called US Bank and spoke to a nice gentleman, who explained why I was having the issue and advised me to use XXXX. 

He was showing me step by step on how to use XXXX and together we successfully had the money sent from my external checking account to US Bank via XXXX. I considered I met the minimum balance for the promo and moved on with my life. 

Months later when I didn't see a bonus hitting the account, in XX/XX/XXXX, I decided to reach out to US Bank customer service first via email then made phone calls. Basically I learned that XXXX is not a qualifying deposit as the terms of the promo said new money deposits have to be Direct, Mobile, ACH or Wires and XXXX is not a deposit or they can not accept a XXXX transfer as new fund ; hence, no bonus for me. 

I was really frustrated because besides the fact that I didn't get my bonus, I also got different explanations every time I spoke to their reps. Each rep gave a different reason as to why I couldn't do a deposit online ( which would have been ACH - a qualifying deposit ), which led to the use of XXXX ( which was their advice ) and because of that I didn't meet the bonus requirement. 

Some reps show no empathy such as a banker at a local brand said " well you could have done a wire or direct deposit, it's not that hard. You didn't have to use XXXX ''. 

I will attach copies of my correspondences to their online customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America NA closed this account in XX/XX/XXXX. It was first reported delinquent in XX/XX/XXXX. On XX/XX/XXXX I sent them a letter certified XXXX XXXX XXXX XXXX XXXX which was confirmed received. 

The letter was written because not only do the continue to report an account that has been closed for 8 years, they actually reported a credit limit increase on this closed account! 

These errors are adversely impacting my credit rating. They never responded to this letter and when I called them they had no record of receiving the letter..
Product: Debt collection

I have medical bills in my name in places I never stayed around times where I lost my wallet and didnt know how serious it was to keep up with your id
Product: Credit reporting, credit repair services, or other personal consumer reports

I have in my report late payment in XXXX and XX/XX/2016 late payment XXXX/XXXX XXXX Account # XXXX.The information is incorrect.I was never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

REMOVE THIS FRAUD ACCOUNT OF MY CREDIT AND FRAUD INQUIRIS GET DELETE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

On XX/XX/2018 i sent over a complete modification packet. loan care refuses to review my documents and help me with an obtaining an affordable payment. i have left numerous voicemails to management and the single point of contact which never call back. Agents and representatives that do get on the phone are not helpful always rude and not once want to answer any questions they always transfer without giving the opportunity to explain and then never get called back. the more they refuse to work with me and more against me the more i fall into default and i am not wanting to lose my home. i need all the help i can get moving forward.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the immediate removal of a fraudulent accounts from my credit report. I have filed a dispute, citing identity theft, and have contacted the bank associated with these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX 

The bank has verified the authenticity of the identity theft report and recognized a potential system glitch hindering the access to records. They have guaranteed the prompt removal of the fraudulent accounts, which has been in existence for over 7 years. 

I demand that you remove this fraudulent accounts from my credit report as per the resolution agreed upon with the bank. Your prompt attention to this matter is essential.
Product: Checking or savings account

I opened a checking and savings account with Alliant Credit Union. Once my card came in the mail I attempted to activate it. I came to realize my account was restricted and " under review ''. 

Alliant verified my identity when they opened my account and I haven't been able to add money to account so there is no suspicious activity on the account. This makes no sense, I have a XXXX XXXX credit score and I also applied for a credit card, I can not open the secured decision letter online because the online banking is also restricted. 

I feel like I'm being discriminated against for age and race, if Alliant is a Fair Opportunity Lender then they should treat me as such.
Product: Payday loan, title loan, or personal loan

COMENITYBANK/VICTORIA XXXX XXXX COMENITYBANK/VICTORI XXXX XXXX CB/VICSCRT XXXX XXXX I recently verified my latest credit report and I noticed that you have reported late payments on this account. I have previous credit reports from the above-mentioned agencies that reflect my account accurately as paid on time and I never received notice that you were going to insert negative data on my credit report, as you are required by the FCRA. 
FCRA 623 ( a ) ( 7 ) Negative Information ( A ) Notice to Consumer Required ( i ) In general. If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 603 ( p ) furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. 
( ii ) Notice effective for subsequent submissions. After providing such notice, the financial institution may submit additional negative information to a consumer reporting agency described in section 603 ( p ) with respect to the same transaction, extension of credit, account, or customer without providing additional notice to the customer. 
( B ) Time of Notice ( i ) In general. The notice required under sub-paragraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).
Product: Checking or savings account

I received an email on Sunday, XX/XX/2021, stating that I sent a XXXX payment of {$700.00} to a XXXX person which I did not authorize. I called Bank of America to see if the payment was fully completed in hopes of stopping it. They stated it was completed so I did not know what to do. After that, I called both XXXX and Bank of America after I fully understood my rights and what I can do about an unauthorized transaction. 

By the end, I was able to file a fraud claim, Bank of America placed a hold claim on my account and asked me to called back to open another one on Monday. That was exactly what I did, the very next day. They transfer the rest of my money out of the account and told me I would get results within 45 days. I received a letter on XX/XX/2021, that stated my fraud claim has been denied due to having found the transaction inquisition was completed using a device that is consistent with previous valid account activity. 

I must make it clear that I have only paid my credit card bills through their mobile app. On top of that, no one in my family has access to any of my bank information. My parents barely speak XXXX and both my sisters are in grade school. I only linked XXXX to Bank of America to accept the XXXX XXXX. And I only had three outgoing transfers. One to XXXX in XXXX, one to XXXX University for my summer classes, ( both through their website on my computer ), and one I made today at the bank. 

I never used XXXX or planned to use XXXX to send money as I already have XXXX for that. I called Bank of America to email me the documents used in the investigation but did not received anything yet. I barely make {$700.00} a month as I am a full-time college student and I am not willing to lose {$700.00} on a transaction I did not authorize myself.
Product: Mortgage

My mortgage company has mistakenly paid the property taxes of a parcel I do not actually own - resulting in a debt with the City Of XXXX on my parcel that I paid with my own money. 

I have called the mortgage company since XXXX and they have acknowledged the mistake- yet as of today I have not received my money back. 

I am calling them on a weekly basis and every time the operator is surprised like the issue is completely new and takes not real action. Sometimes they claim to escalate, sometime they say they put a note on my file, another time they asked me to upload proof of payment on my side, but nothing is happening. 

I do not see the end of the tunnel and could really use some help on the matter. 

Thank you, XXXX
Product: Mortgage

On XX/XX/XXXX I made a Principal Payment on my Mortgage in the amount of {$8000.00}. 

Mid America Mortgage only applied {$7000.00} to my principle payment and will not communicate and is giving me the run around on where is the missing {$990.00} that should have been applied to my mortgage. 

On XX/XX/XXXX I sent an email ( see attached ) inquiring where is my missing principle payment. I received the following reply by Mid America Mortgage " We have opened a request with our cash department to have the funds reapplied correctly, this should be completed in the next 3 business days. '' On XX/XX/XXXX I sent another email on the status of my request to apply the missing {$990.00} to my loan ( See Attached ). I received the following reply by Mid America Mortgage : " Our records indicate the funds of {$990.00} was applied to unapplied funds. We have opened a request to have those funds applied to your principal. We apologies for the inconvenience of this misapplied payment. '' On XX/XX/XXXX I sent another request to have my principle payment in the amount of {$990.00} applied to my mortgage ( see attached ). I received this response from Mid America Mortgage : " Thank you for your inquiry regarding your loan. Due to the status of the account please contact our Bankruptcy department at XXXX. '' I called the Bankruptcy department and they informed me I had to call customer service. I called the Customer service department and they said they could do nothing and I had to call the Bankruptcy department! 

I was promised this error would be fixed in two prior responses by mid America mortgage. They have not fixed the issue and now refer me to another department that refers me back to the customer service unit! I am in a circle of hand offs with no one that will fix a problem that Mid America Mortgage created. I am getting the run around and in the meantime {$990.00} is missing as a principle payment to my Mortgage.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following fraudulent accounts and inquiries from my credit report pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of identity theft. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I previously reported that the TomoCredit trade lines service did NOT report after taking payment for several months. The only response that i received was that they dont provide a refund. I would like every month that I paid for to be reported as promised right away.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 item from the 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 reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX