23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have had a number of issues with this bank since they acquired my mortgage from XXXX in late XXXX. They stopped my escrow account and stopped collecting home insurance and I had to assume payment of it for a bit. I had to point that mistake out to them. Their Insurance department is totally incompetent. During this time, their insurance department sent me a letter asking me to get the Insurance policy information on the building for them. I reached out through social media and said that I am not doing their job for them. I gave them the contact information for the property management company and told them to do it themselves. I live on the top floor of my building. It is a cooperative building, so I own shares but not the actual unit. I had leaking in XXXX which the building poorly repaired, so I had to pay to fix the repair out of pocket. I reach out them that now in XXXX that I have mold. They told me that the Insurance and Legal department told them that it is not the bank 's problem. I am required to have insurance on the unit while my mortgage is in place and they want the building 's insurance policy but do not care that the building is not being maintained. I am attaching the mold violation that the city put on the unit. They should have at least sent me the building 's policy information so I can file a claim. I want nothing to do with this bank. If I did not care about my credit, I would stop paying the mortgage as I am in a building with mold. I honestly want them to stop having people to call me, just to act like they care. I propose that they sell my mortgage or I will just sell my apartment to end this relationship. It literally makes me sick each month when I have to pay my mortgage to them. They are the worst financial institution that I have deal with in my entire adult life and I am XXXX!
Product: Credit reporting or other personal consumer reports

My credit report dated XX/XX/year> from Experian is currently reporting XXXX days late for several months from XXXX XXXX XXXX XXXX partial acct # XXXX .... Experian states that " The company that reported the information has certified to Experian that the information is accurate. '' and that " This item was not changed as a result of our processing of your dispute. '' I sent Experian a letter dated XX/XX/year> requesting for proof of the information that they received as proof. I have not received any information back and my report has not corrected.
Product: Credit reporting 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 Number:XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX 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 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, credit repair services, or other personal consumer reports

All disputed accounts are still reflecting in my score, they were supposed to be removed within 30 days after being disputed. I now have a potential lawsuit on my hands against Experian.
Product: Debt collection

This debt company is attempting to collect a debt from me I believe is not mine. They are damaging my credit by reporting this debt to be accurate. I have not lived in Michigan for some time. I am contacting an attorney due to this fraud.
Product: Vehicle loan or lease

This auto loan was fully paid XX/XX/2018. All payments were made on time. Yet, Credit Acceptance reports XX/XX/2018 as 30 days late? 

I have disputed this inaccurate reporting twice through the bureaus and a direct letter to credit acceptance. Verified each time, even though after reading FCBA and CRRG, it is obviously wrong!!!
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXwas never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX  XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Follow up to Transunion reporting being incorrect. XXXX. 
2 Weeks ago Transunion deducted XXXX points from my score. I filed complaint with CFPB and last week my XXXX points were added back on to my score. Today Transunion deducted XXXX points. All of my accounts decreased. My balance on XXXX XXXX was transferred to a 0 % interest credit card. XXXX and XXXX increased my score. Transunion decreased my score XXXX points. Transunion is inaccurate and all over the board please see attached documents.
Product: Checking or savings account

Just before a XXXX vacation, I logged into my Discover Bank high yield saving account that I set up for my son. I noticed that there had been a XXXX XXXX deposit, then the next day a {$150.00} and a {$120.00} withdrawal. The day after those withdrawals there was another one totaling {$8000.00}. These wire transfers or withdrawals went to XXXX XXXX in XXXX where they apparently charge {$500.00} per plate. This is a city I have never been to. XXXX has a website but will not answer phone calls, it is simply an automated message directing you to book on a website then disconnects. I am not convinced this restaurant exists. 
I called Discover and they closed that savings account and opened a new account and moved my remaining balance into the new account siting identity theft. Due to the new account being opened I no longer have access to the old account see where the money went. They then credited my new account with the amount of money that had been taken from me while they investigated. A few days later I got letters in the mail saying that the withdrawals were legitimate, and the money was moved into an account in my name and that I benefited from those transactions. I never moved money out, only deposits by myself and my wife each month. 
Since that time, I was a victim of an 'email bomb ' where my inbox was overloaded with spam and newsletter that I had apparently 'signed ' up for. I have also received two debit cards in the mail that I did not sign up for, a XXXX XXXX XXXX XXXX tied to XXXX in some way, and another from XXXX XXXX I called and closed both of those cards, and I am checking the mail every day expecting to see more.
Product: Debt collection

I Have asked over six times asked for transparency to clear my credit report, each event I'm stalled, no information provided to clear my report.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, CA XXXX ( XXXX ) XXXX Bank of America Attention :  XXXX XXXX XXXX Chair and Chief Executive Officer/ Customer Service Department/XXXX XXXX XXXX. XXXX XXXX XXXX, FL. XXXX XXXX : Reonveyance of Property at XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. 

Dear XXXX XXXX : This is a Notice, in lieu of a complaint at this point and time. 
Thank you for the affirmative steps youve taken to aid in the possession of our property. 
Pursuant to our ownership rights, as corroborated by your Companys recording of : a ) Substitution of Trustee, ( XXXX ), XXXX/XXXX/XXXX and, b ) Reconveyance recorded on XXXX/XXXX/XXXX ( XXXX ) c ) Substitution of Trustee and Full Reconveyance ( XXXX ), recorded on XXXX/XXXX/XXXX ) d ) Preempting the Trustee Deed recorded on XXXX/XXXX/XXXX, and, e ) Replacing it with, the Full Reconveyance ( XXXX ) : We are informing you of our action to reclaim possession immediately. 
For a smooth transition, as the Trustee, I will expect your cooperation in retrieving access to the property by : 1. Surrendering the Keys to the house to us, by mail, or providing a location for me to pick them up, or, 2. Advising the current Holder of those keys either to : a ) Mail them to your office, or, b ) Mail them to us at the above address If I have not heard either from your or the former managers by XXXX/XXXX/XXXX, I will pursue action to change the lock ( s ). 

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

I day trade Cryptocurrency on Coinbase. I sold my cryptocurrency for XXXX XXXX dollar on XX/XX/year>, sometime in the afternoon, as I was working and did not have time for trading. The funds were on my Coinbase account. I got home from work and my XXXX dollars ( not XXXX ) were gone from my account amounting to {$4300.00} via bank transfer to XXXX XXXX ( An online bank of which has no phone or physical person support ) on XX/XX/XXXX XXXX. The only details I have regarding who took it is " XXXX XXXX XXXX XXXX XXXX XXXX XXXX and a reference code from Coinbase : " XXXX ''. The transaction is pending, it sounds like Coinbase is not going to be able to reverse or freeze the payment. I do not know how they got access to my account, I got no notification on my phone or email of someone trying to log in. I have an XXXX XXXX for extra security on the account. I access my account through XXXX and my XXXX computer. I have totally erased the computer in case of malware, as well as ran a XXXX scan. I don't remember clicking on any websites or downloading anything I shouldn't. I never got a scam phone call or anyone asking for my details. I don't know what other details this person has of me that's holding the bank account. Coinbase explained that they are only allowed to talk with law enforcement about details of the crime. I have also contacted XXXX XXXX for assistance in finding the person committing the unauthorized transaction and/or freezing the funds.
Product: Debt collection

In XX/XX/XXXX, I checked my credit to get a PPP loan for my XXXX XXXX because of Covid 19 and how it was affecting my finances. I had a {$100.00} negative USAA Credit Card balance that was listed as a charge off. So, I contacted USAA and they would not provide information. I followed up in XXXX, XXXX, XXXX, XXXX, and XXXX and escalated the situation because I just wanted it settled and off my credit report. I also filed disputes between XX/XX/XXXX and XX/XX/XXXX with the Credit Bureaus. The short story is USAA charged me {$100.00} of junk fees in XXXX and/or incorrectly charged fees and incorrect finance charges. I had much difficulty getting them to respond in writing so I began writing letters and emails ( see attachments ) with questions ; USAA answered NONE of my questions in writing and I paid them {$100.00} twice in XX/XX/XXXX in hopes of settling and making this bad mark go away on my credit report. After discussing this with an attorney, we researched and found XXXX. We think some of the rulings made in this case apply to our time period and apply to our USAA experiences from XXXX to XXXX. Last week on XX/XX/XXXX, I received a check from USAA for {$12.00} that " represents a refund for incorrectly charged fees and finance charges. This {$12.00} check from USAA to me proves that I did not owe them {$100.00} ; It also is evidence that their system knows they deceived me. We have other evidence that proves that they have had a negative impact on my credit scores from XXXX until today, XX/XX/XXXX. This has had a very negative impact on my ability to borrow money and get the credit I needed from XX/XX/XXXX until today. And, USAA played games with my credit and multiple changes with XXXX, XXXX, and XXXX  ; So, USAA made inappropriate changes with the credit bureaus that I have tracked over the last 9 months. After reading XXXX, it is very obvious that I am a victim of their deceptions, illegal, and law breaking banking practices. Also, I filed multiple disputes with XXXX, XXXX, and XXXX. USAA lied and committed fraud and corruption with their responses to the disputes. USAA had systems and processes in place and they knew that I fit the XXXX and they did not notify me nor give me notice that they incorrectly charged me fees and finance charges of {$100.00} thus causing a SNOWBALL effect of irrepairable damages and harm to me, my credit scores, and my finances from XXXX to XXXX. In addition to the aforementioned, I went through identity theft in XXXX and XXXX. I had a cash balance in my USAA account and I had a CD. USAA never paid me back on my CD or my cash that I had in my USAA account. I chalked it up to the identity theft. But, looking back, and reading XXXX, they violated other sections of that settlement. I've succeeded in a rebound and overcome those issues despite USAA and their illegal, deceptive practices.
Product: Credit card or prepaid card

Bank of America was supposed to process me a credit balance refund request for {$720.00} when I closed my student credit card account because of a dispute. However, someone had fraudulently claimed my check. I was trying to explain this to them over the phone. I have called the bank almost 15 times over the past year, and I've spent over 20 hours over the phone trying to resolve this long running issue but the bank does not want to assist me it seems. It went from being transferred from different departments to agents claiming they will research the matter and get back to me which never happened. One had even claimed they will send me the check to my current address because of the fraudulent claim but it never occurred. Very shady behavior from BofA when it comes to helping people who have been a victim of check fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Thu, XX/XX/2022, XXXX I got an email from XXXX XXXX stating that my package has been delivered. When I got home I did not see a package and contacted XXXX XXXX customer support. After speaking with them the customer service rep told me that I will be getting refunded for the missing item. A few days later I get an email saying XXXX XXXX did their investigation and they claim it was delivered by XXXX. After disputing the charge on my Apple card 4 or 5 times I was denied the dispute after providing multiple pieces of evidence as well as a police report from the XXXX XXXX sheriff 's office. The Sheriff cited on the police report as " package theft '' given that the package was left right at the gate entrance where anyone could lean over/ open the gate and take the package. 

XXXX should be held liable as they did not deliver this {$800.00} package to my front door.
Product: Debt collection

Contacted Bank of America through XXXX XXXX in regards to the balance owed. Bank of America never contacted me about the {$37.00} balance owed or was shipping the documentation to the incorrect address. My current number is the number I have had for more than 6 years, and I have no record of being contacted by them.
Product: Credit reporting or other personal consumer reports

Re : Request for Removal of Inaccurate Negative Reporting Information and Update of Credit Score I am submitting this dispute request to the removal of inaccurate negative reporting information from my credit report held by XXXX, as well as the prompt update of my credit scores with the correct and current information in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my credit report, I have identified several inaccuracies that are negatively impacting my credit score and financial standing. The discrepancies include reporting false information on a XXXX account ending in XXXX ( PLEASE SEE XXXX XXXX LETTER ) .The inaccuracies are misleading and do not reflect my true creditworthiness. 

Under the FCRA, I am entitled to have inaccurate information on my credit report corrected in a timely manner. I am hereby formally dispute the aforementioned inaccuracies and requesting that CFPB conduct a thorough investigation into these matters. 

I have enclosed supporting documentation [ if applicable ] that substantiates the inaccuracies in question. I kindly request that you investigate these discrepancies with the respective data furnishers and make the necessary corrections to ensure the accuracy of my credit report. 

Furthermore, I request that my credit score be updated promptly to reflect the corrected information. It is imperative that my creditworthiness be accurately represented to creditors and other entities that may access my credit report. 

I kindly ask for your cooperation and prompt attention to this matter, as timely resolution is crucial to my financial well-being. As per the FCRA, I expect to receive a written response detailing the results from the CFPB investigation and a revised copy of my credit report reflecting the necessary corrections. 

Thank you for your attention to this important matter. Should you require any further information or clarification, please do not hesitate to contact me at the provided contact information. 

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

I AM A VICTIM OF XXXX XXXX I HAVE UPLODED ALL INFORMATION
Product: Mortgage

My Mortgage company is negligent with my escrow account. They failed to make timely or any.payments at all on my behalf for property taxes.

I was notified by my county assessor of default and non payment. I have had to pay these taxes of XXXX Freedom Mortgage refuses on all levels. 

To : .release my escrow account and allow me to handle it due to their negligence To : Refund me immediately money owed to me. 

To : stop overcharging me fraudulently To stop raising my payments.
Product: Credit reporting or other personal consumer reports

The accounts states that I opened the account in XXXX XXXX XXXX Which is not correct and fictitious
Product: Credit reporting, credit repair services, or other personal consumer reports

Goldman Sach hard inquiry from XX/XX/17 that I did not authorize. 
Attempted to call, but reported that they had already completed inquiry so it could not be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER LOOKING AT MY CREDIT REPORT THIER OUR ACCOUNT REPORTING inaccurate AND WOULD LIKE THESE ACCOUNT REMOVE FROM MY CREDIT REPORT. I HAVE DISPUTE MANY TIMES AND NOTHING HAVE BEEN DONE. CAN YOU PLEASE TAKE A LOOK AT THESE ACCOUNT THAT IS NOT MINE AND REMOVE THEM PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts not updated correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to make my XXXX payment on XX/XX/02, but was presented with website error. I have been unable to get into my BMO Harris digital banking account. I had attempted to reach the phone number provided in communication, but the calls never went through. Once I finally reached a representative at BMO Harris, they unlocked my online access -- though the website error never indicated that my account had been locked. When I attempted to make the payment, BMO Harris then froze the transfer feature on my account with a fraud flag. I had to call in again, and they put in a request to unlock this and push my payment through. The payment was then successfully drafted from my checking account a few days later.
Product: Debt collection

Why has your bureau not taken immediate action to delete the fraudulent accounts as soon as an identity theft complaint was filed? HOW CAN YOU JUSTIFY CONTINUING TO REPORT ACCOUNTS THAT HAVE BEEN IDENTIFIED AS FRAUDULENT BY OTHER CREDIT BUREAUS AND ACKNOWLEDGED AS SUCH IN MY IDENTITY THEFT COMPLAINT? DO YOU COMPREHEND THE SEVERITY OF THE CONSEQUENCES I AM FACING DUE TO YOUR NEGLIGENCE IN RESOLVING THIS MATTER PROMPTLY? I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. Despite the gravity of the situation, the accounts in question persist on my credit report, undermining my financial standing and causing irreparable damage. 
XXXX XXXX XXXX XXXX XXXX PLEASE DELETE!!!! 
XXXX XXXX XXXX XXXX XXXX PLEASE DELETE!!!! 
I demand the immediate deletion of the fraudulent accounts from my credit report. Your failure to address this matter expeditiously constitutes a blatant violation of the FCRA and an infringement on my rights as a consumer. I insist on a written confirmation of the removal of these accounts within the shortest possible time frame
Product: Credit card

I made a purchase in the U.S. from a XXXX company, and paid in U.S. dollars, to their XXXX. Even though there was no foreign currency involved, Bank of America charged me a foreign transaction fee just because the merchant had a XXXX address. Bank of America has no idea whether the amount was eventually XXXX to XXXX or whether it remains in their XXXX in U.S. dollars, This is a clearly unfair policy and a possible violation of the Sherman Act by discouraging customers from doing business with certain companies.