23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Ditech holds our mortgage loan. In XXXX XXXX with check XXXX for the amount of {$560.00} paid on XX/XX/XXXX, {$140.00} is the payment amount and we instructed Ditech to apply {$420.00} to the principal balance, clearly written on the check and on the payment sub. When the XXXX stated i noticed that Ditech had recieved the payment of XXXX ( added {$6.00} more to the payment by accident ) and applied a payment and stated something on the statement that said Deferral/Rate Mod Partial Pays and nothing of the {$420.00} to principal balance. On XXXX XXXX I phoned Ditech to make them aware that they did not post my XXXX correctly when we though the whole account I made Ditech aware that XX/XX/XXXX payment was also not posted as we Requested on the XX/XX/XXXX statement and check XXXX for the amount of {$560.00} paid on XX/XX/XXXX we requested that {$420.00} be applied to the principal balance and {$140.00} to the payment for a total of {$560.00}. And again Ditech posted the payment as they saw fit. on the XX/XX/XXXX phone call with Ditech I was told to call back in 5 to 7 days for corrections to be made and i had my payment history emailedto me. when I called Ditech back on XX/XX/XXXX @ XXXX spoke to XXXX  with customer service i was infored that Ditech did not issuse a correction. We went though the whole payment history for the year of XXXX and XX/XX/XXXX. I made them aware that we NEVER asked for a deferral and in futher review XXXX with Ditech stated that Ditech put in a new system and was seeing these posting problems in several accounts would resmit for corrections and it would take another 5 to 7 days for corrections I requested to speak to a supervisior which i was told would call me back. no one has called me to this day. I phoned on XX/XX/XXXX @ XXXX spoke to XXXX went though the account no corrections no supervsior would come to the phone. on XX/XX/XXXX @ XXXX spoke to XXXX with Ditech Customer Service and again i was given the same song it was not corrected and it will be five to seven days if corrections are to made? I asked to speak to a superviosr same thing went the thought the account give them the same infronation i have been giving them sine XX/XX/XXXX, and her reposnse it will take 5 to 7 days if corrections will be made. i am not asking ditech to posting their payment the way i see fir im asking ditech to post MY EXTRA FUNDS to the Principal bablance. now we areat XX/XX/XXXX no corrections i am trying to pay the loan complety off and can not due so because they have not post the XXXX to the principl balance like instruted on our check and their payment stub, i will be paying XXXX extra on my pay off balance. an if Ditech does not fix the problem i will also have a late charge staring the XXXX when we have been trying to have fix their mistake since XXXX.and we have this problem with Ditech posting our principla balance at least 3 to 4 times a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was compromised as the result of the data breach at Equifax. In reviewing my credit reports, I discovered that there were accounts on my credit reports that did not belong to me. 

The dates and amounts in question are : XX/XX/XXXX - {$14000.00} XX/XX/XXXX - {$960.00} XX/XX/XXXX - {$220.00} To correct this situation, I followed all steps according to the law to have these items deleted from my credit reports. The fraudulent accounts found on my credit reports were deleted by both XXXX  and XXXX. Oddly enough, Equifax ( who was the sole cause of my information being compromised in the first place ) is the only credit bureau who did not delete these fraudulent accounts. They have failed me on my efforts to have these accounts deleted.
Product: Credit card or prepaid card

I just got a new Master credit card ending with XXXX with Bank of America. 
Their record show my XXXX credit score is XXXX out of XXXX. But they gave me 24.99 %. 
My cousin has also the same credit card few days ago. He got 22.99 % with a credit score of XXXX. I called Bank of America, and ask them why my rate is 24.99 % with XXXX XXXX score while my cousin get 22.99 % with XXXX XXXX? 
They could not answer my question.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions also resold the debt but the debt is paid in full. the car was apart of a crime hit in run and the person was caught but my insurance paid the car off but they didnt revise the promo code for the car to make the balance good that over charge me for the car XXXX was paid to them gap denied the claim because of lack of communication with gap they do they part as time allowed I lost my job and home due to this issues with XXXX XXXX would like a settlement of XXXX to resolve my hardship been XXXX  ever since.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXXXXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX 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 of 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

I am a victim of identity theft and as a result, fraudulent activities were linked to my account listed below with this company. I attached all the relevant documents that this company needs to verify my claims on XXXX.XXXX.18, but to my surprise these company failed to block/update these fraudulent account within 3 days as required by law. 
Please note the below account is linked to fraudulent charges please delete asap : XXXX  ac # XXXX please delete this accounts fraudulent charges.
Product: Vehicle loan or lease

I had an auto loan with Autotrak. The car was totaled and deemed a loss. During the time of the loan i never made a late payment and also had GAP coverage. The car was totaled XX/XX/XXXX and once Autotrak received funds from insurance company i spoke to an associate who allowed me to believe XXXX insurance paid most of the remaining payment and the GAP insurance covered the rest. In XX/XX/XXXX I pulled up my credit report and was surprised to see Autotrak showing a charge off in the amount of {$2400.00}. I immediately called the company an they said yes the received money from XXXX and the GAP insurance but there is still a balance. The response from the associate did not leave a clear understanding as to why i would still owe.
Product: Credit reporting or other personal consumer reports

I am receiving a letter from the bureaus saying that I am not the one who sent the letter for inaccurate accounts and unauthorized inquiries on my credit report. this is not true because I myself send my letter to the bureaus. This is a list of negative accounts that I want to delete. 
OHIO DEPT OF HUMAN S XXXX XX/XX/XXXX {$710.00} XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have asked to have names, numbers, addresses that does not belong to me to be removed. They have not done so. Ive also asked for proof of these debts, and have not gotten any proof at all.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XX/XX/2023 {$550.00} XXXX XXXX XX/XX/2023 {$1600.00}
Product: Credit card or prepaid card

This is a classic case of predatory lending. I opened a Credit Card with Arhaus through Comenity Bank, to purchase furniture that apparently was on a 12-month promo plan that ended XX/XX/2020. I am enrolled in paperless billing, and I am on auto-pay so I did not receive any notifications from Comenity that my account was coming up due. When I logged in today XX/XX/2020, I realized that I had been charged {$9400.00} in finance charge ( over 40 % in interest! ) over a one month period -- - I called their customer care today, XX/XX/2020 at XXXX ET, to question and request a waiver so I could pay the balance remaining. Their account reps told that the Terms & Conditions specified that I could be charged the finance charge since the promo period ended on XX/XX/2020 and they only have a 3-day grace period. Comenity is hiding behind the Terms and Conditions fine print, and the reps said that they don't send any notification to inform about an upcoming due date. I have been on the phone with Comenity multiple times over the last year, but I was never made aware of the 12-month promotional period, by either Comenity or Arhaus when I signed up. I feel completely misled and cheated, especially when I am calling within ~30 days of the apparent promotional end date to pay any balance due. They are choosing to add this financial burden without owning any responsibility / accountability / humanity. I am a young mother with a newborn, and really can not afford such a huge fee charged by Comenity.

Please help me hold Comenity accountable for what feels like absolute consumer fraud and predatory lending practices. Thank you so much! 

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

Auto-pay options by companies online such as XXXX XXXX XXXX XXXX XXXX XXXX are easy up-front to record and register the identities of consumers ' bank accounts for monthly transaction fees, and later on then become scrambled or buried in the website companies ' deliberate " information services '' schemes all the way to the bank 's IT services and its clients and own employees, the tellers, when the customer wants to opt out. In this case, it is TD Bank , N.A . 

The same Bank also confuses this client 's business account with a forged class action suit that misappropriated this client 's business identity to a court action in XXXX XXXX with " legal representatives '' from XXXX  to XXXX  and from XXXX  where this client 's personal account was also attacked and compromised by a multi-service-platformed XXXX XXXX and XXXX and XXXX web XXXX  monetary obstruction " service ''. 

Why am I past due on rent by XXXX months? Ask these companies please.
Product: Credit reporting, credit repair services, or other personal consumer reports

My legal identity is XXXX XXXX XXXX, only address is XXXX XXXX XXXX, XXXX XXXX, La., XXXX, my social has been compromised also, and only want this information on my credit report, legally everything else is considered fraudulent
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX VA XXXX XX/XX/XXXX THESE ADDRESS ARE FRUAD I NEVER LIVED HERE BEFORE
Product: Checking or savings account

I would like KeyBank to return the bank fees they have caused my family an erratic amount of stress. We can not even buy food. 
The fees as of this morning are XXXX $ That is in fees alone. It is unheard of and unjust. 
That doesnt even include the disputes.
Product: Debt collection

I am writing to formally dispute a collection account that has been inaccurately reported on my consumer report. It has come to my attention that this collection account has been placed on my report without adherence to consumer protection laws and regulations. 

As per XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), collection agencies are required to provide validation information upon request. However, despite multiple attempts to obtain this information, the collection agency has failed to comply. This failure to provide validation information calls into question the accuracy and legitimacy of the reported collection account. 

Furthermore, I have not been given the opportunity to dispute this account in accordance with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This lack of due process denies me the fundamental right to challenge the accuracy of the information being reported about me. 

In addition to these violations, it has also come to my attention that the collection agency may be engaging in deceptive practices, which is prohibited by XXXXXXXX XXXX XXXX XXXX XXXX  ). Such actions undermine the integrity of the credit reporting system and violate consumer rights. 

Upon reviewing the circumstances surrounding this collection account, I have reason to believe that the collection agency may have acquired this debt unlawfully. Therefore, I kindly request that the Consumer Financial Protection Bureau facilitate the retrieval of the purchase agreement between the collection agency and the original creditor. 

Obtaining a copy of the purchase agreement is crucial for evaluating the validity and legality of the collection agency 's claims. This documentation will shed light on the nature of their agreement with the original creditor and ensure transparency in this matter. 

Additionally, I request that the Consumer Financial Protection Bureau verify whether the collection agency is licensed and bonded. It is essential to ensure that the collection agency is operating within the bounds of the law and meets the necessary regulatory requirements, as stipulated by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I urge the Consumer Financial Protection Bureau to promptly request the purchase agreement from the collection agency and provide me with a copy for my review. Furthermore, I request verification of the collection agency 's licensing and bonding status to ensure compliance with regulatory standards. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to ensure consumer rights are upheld and that proper procedures are followed in resolving this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  Balance Owed : {$800.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$440.00} XXXX XX/XX/2023.
Product: Mortgage

Paid for mortgage modification help upfront with guarantee they would be able to negotiate a modification, and this turns out to be false and listed as a scam on Florida housing website, a company is not supposed to take money upfront to help you modify your loan mortgage, they have companies that can do this for free on your behalf, and then when I requested my money back, they stop responding to me.
Product: Credit reporting or other personal consumer reports

The companies were not able to validate the debt or show where I agreed for them to sell any alleged debt and still report it to my credit per several requests from me via phone, online, and mail.
Product: Mortgage

Well the Company did not seek to help in my situation in any way there motive was to get the property to foreclose so that I would lose the fight I didn't see any help even with a hud counselor so I didn't have a chance either way but to file XXXX XXXX bankruptcy to fight back they are not concern about the consumer it's about getting you out and gain more profits using 3rd party people to do their dirty work
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX has violated my rights. 

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

I, XXXX XXXX, am stating that TransUnion, XXXX, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as TransUnion , XXXX, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave TransUnion, XXXX, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my TransUnion, XXXX, XXXX credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give TransUnion, XXXX XXXX XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. TransUnion, XXXX, XXXX is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF TransUnion, XXXX, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my TransUnion, XXXX, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have previously disputed unauthorized inquiries on my consumer file from Equifax. Now Equifax has decided to place 4 inquiries on my consumer file from XXXX XXXX. The dates XXXX. This is not a duplicate complaint I'm not sure why Equifax would do this in a futher attempt to destroy my consumer report and reputation. Equifax is clearly acting out of malice at this point!
Product: Vehicle loan or lease

im unemployed this vehicle broke down as soon as i purchased the company isnt even there anymore
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I applied for a capital one card and was approved about 6 months ago. I was given a {$500.00} limit which I have been responsibly maintaining I was recently given a {$100.00} increase about 2 weeks ago. I was at the grocery store trying to buy groceries and it said my card was not authorized when I get home I call Capital One and they said my account was closed without a reason as to why. I just need a explanation as to why my account that was in good standing, just got a credit increase but now all of a sudden its closed. I need to know why they closed it, and they should be able to explain that to me. I even have some cash rewards money that I have lost from this as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

The existing problem with these consumer reporting agencies is still not resolved. I still have incorrect information reporting on my credit report.