23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

In XX/XX/XXXX or XX/XX/XXXX, while on summer vacation, I visited a Bank of America branch in XXXX, MI. At that time, I was approached about changing my checking and saving accounts to a type that would earn more interest. I told the person at that time that I did not want to give up my XXXX XXXX Checking Account, as they do not offer that  product today. She assured me that I would have all of the same privileges as I was currently getting and more. I explained that I might not have as large of a savings balance in the future and that I did not want to pay any fees. She explained that this new type of account would be better. IT IS NOT! 

Now that my balance is below {$25000.00} I will be charged {$25.00} per month for a checking account! I went into my branch in FL yesterday and they said they could switch me to a CORE checking account where I have to have direct deposit and {$2500.00} balance to have free checking. I asked to be switched back to the XXXX XXXX Checking Account, but they can not do that since they said they do n't offer that product anymore!! 

I have been a good customer at Bank of America since XX/XX/XXXXand I have never bounced a check and have always had a direct deposit. With this new CORE account, if I need to stop payment on a check, get a cashier 's check or wire funds, or if I have a nsf check, I will be charged large fees. Under XXXX XXXX, these things would all be free! 

I am a XXXX year old XXXX XXXX and I feel I was misled about the account Bank of America suggested I switch to. They did not explain that I could not revert to my old type of checking account. Looking back on this visit in XXXX, the B of A employee seemed to be very focused on getting me to change accounts - I think she was trying to meet her sales goals! 

I would love to talk to Bank of America management to straighten out this very upsetting problem. I feel I deserve better treatment from a Bank where I have been a very good customer for 12 years. 

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

The bank XXXX XXXX XXXX XXXX is reporting a late payment for XXXX & XXXX of 2020 on my credit reports that is violating the law. The Cares Act Section 4021 of the CARES Act amends Section 623 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ) states that account affected by Covid-19 should not be reported late while Covid-19 is going on, and the law is retroactive to XX/XX/2020. The reported late payments should be updated to payed as agreed and the late payment removed from the credit reports based on the law.
Product: Credit reporting or other personal consumer reports

There is a unauthorized hard inquiry from XXXX  XXXX XXXX made on XX/XX/year>. I did not apply for these credit cards, and called Transunion on XX/XX/XXXX to file a dispute, but they ignored my complaint and the hard inquiries remain
Product: Payday loan, title loan, or personal loan

I called boa several times to try and get my home equity line of credit to a fixed rate. In the beginning they never tried to help me. Then I called again and again and denied any kind of work out. Now I got another package where they send not to try and do modification to a fix rate but they sent paperwork to do another equity line of credit with variable rate subject to change again. I need help I am older woman looking to a loan mod with a fixed rate
Product: Credit reporting

I submitted a dispute to Equifax on XXXX/2017 and they have acknowledged the receipt of my dispute over the phone, and online. I looked online today XXXX/2017 to view the results and they are still pending 32 days after filing the dispute. The law states that they have to have a completed investigation back in 30 days after filing of the dispute and they have exceeded that time frame. I also requested from the alleged creditors verification/validation of the alleged dept. and have received no response from them either. I can only assume since I received no response from the alleged creditor that Equifax has not as well, and are trying to stall so that the alleged creditor has longer to respond. that is not lawful and I demand that since they are unable to verify the alleged debt and terms then they most immediately remove it from my credit file.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to formally submit a complaint regarding inaccurate information in my credit report and other personal consumer reports. I have recently reviewed my credit report and other personal consumer reports and found several inaccuracies that I believe are affecting my creditworthiness.
Product: Mortgage

PennyMac, LLC claims to have interest in the property held in my name. I am a veteran and the property was purchased through a VA loan program. I am also XXXX XXXX from a tribe that holds it's sovereignty separate from the United States. PennyMac tried foreclosing on this house in XXXX and was unsuccessful through the state courts. This case BELONGS to the federal district due to my native status. XX/XX/XXXX PennyMac claims to have purchased the house for {$220000.00} and transferred the title to " XXXX XXXX XXXX , c/o PennyMac Loan Services . '' After the forensic audit was done on the mortgage and instruments it was found that the loan that PennyMac claims to have issued is VOID. There is no promissory note and since everything was filed through MERS there is no valid chain of custody for anything documenting the loan. This mortgage was sold into a MBS fund illegally after the closing date of the fund, which again makes the mortgage void - essentially turning the mortgage into a stock and can not be reverted back into a mortgage. By the auditor 's calculation, PennyMac and several other " loan servicers '' have been paid multiple times via this mortgage and continue to make money thought the stock into which it was sold. Since no company, especially a SERVICER such as PennyMac, can not prove ownership nor lending of any funds at all the mortgage is on at least four points VOID. All of these arguments would need to be satisfied by a Federal CourXXXX in which my tribe is named as a a defendant and loan proven to be issued by PennyMac Loan Services , LLC . None of this can be shown true in a Federal Court. I have overwhelming evidence to support everything I've stated and demand that PennyMac follow the FEDERAL LAW that applies to my house and this situation. Everything PennyMac has done, including harassment, violating/ignoring law, and abusing court process is illegal and the foreclosure that they have brought falls under all of these categories. PennyMac has received many letters from me demanding proper documentation on the loan, cease and desist demands, has been notified in writing of all the laws that protect me and my property and is fully aware of my veteran and native status.
Product: Vehicle loan or lease

I purchased this vehicle in XXXX of XXXX. I had good payment history up until XXXX of XXXX. The account was charged off officially in XXXX of XXXX. All collection efforts stopped due to XXXX. In XXXX of XXXX, I updated all my personal information through the credit bureaus, including my address and phone number. I then contacted the lienholder, Regional XXXX, in XXXX to inquire about how to pay off the entirety of my balance. I received no response or direction. My vehicle was repossessed by Regional Acceptance  on XX/XX/XXXX. I had to call them to figure out the next steps and to get my personal belongings. 
I called in XXXX, XXXX, and XXXX of XXXX to try to redeem the vehicle. Each time I called I was transferred around or hung up on. I called again in XXXX and asked to speak with managers and supervisors only. I was advised that the vehicle was going to be auctioned off. I told them that I wanted to still redeem the vehicle, as this is my right as the owner of the vehicle. I was still advising them that I wanted to pay off the entirety of the loan in exchange for my vehicle back. I never received any notice about the status of the vehicle. I called again in XXXX ; I was told that the vehicle was being put up for auction. I told the agent I spoke with that I would need something in writing to be able to still have a chance to redeem the vehicle. Yet again, I received no documentation. The vehicle was auctioned off in XXXX. 
I am complaining based on the fact that I never received proper notifications before or after the repossession pursuant to the FCRA laws on the matter. I was never given a fair opportunity to redeem the vehicle. The lienholder had my updated address to take possession of the vehicle yet would not update my address on file to mail the notices to my address in timely matter.
Product: Debt collection

My obligation to repay the money borrowed for my real property was not properly secured by a valid deed of trust because the document was notarized in XXXX XXXX and the money was borrowed in XXXX XXXX. XXXX XXXX XXXX has been continuing to collect the debt based on an acceleration by Bank of America which resulted in a non-judicial foreclosure. Acceleration and non judicial foreclosure are only permitted if there is a valid deed of trust recorded securing the interest of the lender in the property. I am attaching the first two pages of the deed of trust and the last page which is the acknowledgement page because the entire deed of trust is too large to upload. The statute of limitations has run on this unsecured debt as the last payment was made in XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX XXXX was never late! I have had exceptional payment history with XXXX 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 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 months that are reported late 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 XXXXXXXX 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

Balance of {$280.00} was reporting instead of {$0.00} balance. On XXXX XXXX, 2015 received a response from Equifax stating the balance was changed to {$0.00}. On XXXX XXXX, 2015 myfico alerted me of an XXXX point increase in my score from the corrected {$0.00} balance being reported. Not today, XXXX XXXX, 2015 myfico alerted me of an XXXX point Drop in my Equifax score due to my balance being reported as {$0.00} to now {$280.00}. My credit card company does not report until the last day of the month and this is n't a balance I have on my card right now. This is the balance that was changed from {$280.00} to {$0.00} by Equifax and then to {$0.00} back to {$280.00}. Equifax please stop playing with people 's credit especially during the mortgage process. This is intentional it appears.
Product: Student loan

XX/XX/XXXX XXXX XXXX NJ XXXX Complaint Department Dear Sir or Madam : I recently obtained a copy of my credit report from your agency and found the following item to be in error : My credit report has the below accounts as reflecting closed accounts. The accounts have been transferred to XXXX. These accounts are in error because they closed over 7 years ago or transferred to a new account listed on my credit report. All of these accounts have the same account number as the XXXX account. Please reinvestigate the following accounts and update my credit report to accurately reflect my credit history. Pursuant to the Fair Credit Reporting Act I will expect you to complete the verification within 30 ( thirty ) days. 

Account Numbers : Sallie Mae - Account # XXXX - Account closed XX/XX/XXXX Sallie Mae- Account # XXXX Account closed XX/XX/XXXX Sallie Mae Account # XXXX Account closed XX/XX/XXXX The multiple accounts are affecting my credit score Sincerely, XXXX
Product: Debt collection

This company ACCOUNT RESOLUTION ASS is trying to collect {$15000.00} from me for a bill they claim I owe. I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from ACCOUNT RESOLUTION ASS with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay ACCOUNT RESOLUTION ASS '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and ACCOUNT RESOLUTION ASS. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following items on my credit report, which I strongly believe are inaccurate due to a possible data breach : XXXX XXXX XXXX XXXX XXXX I have taken all the necessary stepssubmitting supporting documents and following up persistentlybut the errors remain unresolved. These inaccuracies have negatively impacted my finances and caused me undue stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that is free of incorrect or unverifiable information. I am requesting a full investigation into these issues and expect them to be corrected without further delay. Please ensure this is addressed as soon as possible.
Product: Mortgage

Our current mortgage is with Select Portfolio in XXXX XXXX XXXX, XXXX. We have been working with XXXX XXXX out of XXXX, XXXX. since XX/XX/2021 to refinance our mortgage. Upon checking the title, XXXX found that Select Portfolio never recorded the lien/deed. We have contacted Select Portfolio on many occasions and have spoken to numerious agents who have not been able to get the process handled. With this being said, XXXX XXXX has cancelled our loan process due to being unable to get the title information correct.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom It May Concern : I was reviewing my credit report and found several addresses that appear to be incorrect. I have attached documentation providing proof of my current address, as indicated on your website. 

To facilitate the removal process, here is a list of incorrect addresses I currently see in my report ( which I would like to be removed ) : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX There should only be one address in my report, which is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I also noticed that my name appears to be misspelled on my credit report. My name has only one correct spelling and there should be no variations listed because my name does not have any variations. I have attached my photo ID to show the correct spelling. 

Once again, to facilitate the removal process, here are the incorrect spellings I see in the list : XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I request the removal of the incorrect employers listed below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX The only job I need listed is : " XXXX XXXX '' " XXXX XXXX XXXXXXXX XXXX Therefore, I kindly request that you delete this negative account as I am facing difficulties in ensuring my report is clean in the best possible way in order to continue with my legal process. 

Once the incorrect names, addresses, and employers have been removed from my credit report, please send me a copy of my updated credit report. 

Thank you for your attention and assistance in resolving this matter promptly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX : Photo ID Proof of current address
Product: Credit reporting, credit repair services, or other personal consumer reports

I have too many isuues with my credit so i am including a letter that goes over all the issues
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently looked into my credit report and noticed unauthorized inquires that I am not aware of. I did not authorize any of these companies to run my credit. I contacted each company and neither one could give me any information on where the inquiry came from. I have reached out to the credit bureaus fraud department directly to resolve the matter but they have been unresponsive and ignored my many requests for a resolution. the items still remain on my credit report. 

XXXX Unauthorized Inquires : XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Show my stomach identity and got some loans in my name. And now I can't do anything. I can't figure out how to pay it off. I can't get it off of my credit report. And I can't get it deleted. It's not mine. I didn't use the money. I didn't get the money. I have no knowledge of the money. And this needs to be taken care of
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   debt and mortgage showing on my   XXXX   all  XXXX  matter fact i 've never bought a mortgage and   XXXX
Product: Student loan

I am a single parent XXXX XXXXXXXX. I have bills, car issues, and Children to raise. My income is no more than {$800.00} a month. I dont understand how I can repay back all of these funds Without a steady income. I have XXXX XXXX  that are keeping me from holding a full-time job. I have been having these student loans one my record since XXXX Here it is 16 years later and I still have these funds that the company want me to pay back. I was told that after seven years that things should have fallen off of my report. This situation has been a big downside for me for housing, jobs, transportation and other matters. At this point I am done and tired of seeing all of these loans on my credit report if I need to file bankruptcy to try to help with this matter then I will need to do so. I just dont have the funds to pay back all these loans that Ive basically used to support my family at one give time in life. I dont feel like this should be a burden on my life any longer. Why cant my loans cant be forgiven? 
Also a lot of those companies that I used loans for didnt live up to their part. XXXX, didnt teach me anything about hair that I always didnt know. All of the equipment that was provided broke and stop working ( tablet, blow dryer, etc ), they also stated that nails was apart of the program but I wasnt able to learn because one of their advisors was allergic to the products. XXXX, lied and stated that they gave me equipment and that I didnt return is a lie. I had a percentage over a XXXX in my class. My home got broken into and even with me trying to still turn in my work, the teacher still failed me to a XXXX percent. So I quit because I tried very hard. XXXX XXXX  I barely made it due to me getting XXXX but with help from a friend and XXXX I was able to finish and I was happy. Then the online schooling was great but my XXXX got bad again and I stopped. Ive taken so many classes over and over again which I felt like I shouldnt had to. Schools like XXXX refused to share my information with other schools and I was XXXX during that time. At the end of this I tried and gave it my all. I really need help for a new being and a fresh start.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting or other personal consumer reports

This is my refilling and requesting for the reinvestigation to EXPERIAN was the aftereffect of their rebelliousness to my solicitation and for their refusal of getting the things, recorded underneath, to be taken out from my credit reports. They did not remove my request, which I thought was against the rules of the Federal Credit Reporting Act, nor did they respond to it. As a result, I am writing this complaint to ask for help blocking or deleting the item in question because they found to be illegal and incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting on my credit report the following residential addresses which I have never lived at. I have already submitted two dispute letters with them and they have still failed to remove the addresses from my credit report. 

XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX CT XXXX TX XXXX I have attached a copy of my credit report which shows the addresses still being listed.