23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

There is no ongoing litigation between bofa and myself.I have been trying to get an extension on my covid 19 forbearance for over a month. It expires XX/XX/2021. Per the cares act, I can request an additional 6 months within three months of my first forbearance ending date. The bofa customer service representatives refuse to speak to me because they say I have a litigation flag on my account. I am not involved in any litigation with Bank of America and I also dont have any legal representation around my bofa mortgage. I have now sent two faxes to the number they told explaining as much. Nothing is being updated on my account.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXXXXXX XXXX  Balance : {$710.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a copy of my consumer report and recognized some accounts that do not belong to me. I requested the bureaus investigate as well as provide me with any contract bearing my wet ink signature on it. I also filed a FTC Identity theft report. I want these items removed immediately. I did not authorize these accounts I have no knowledge of them. 
XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX These 5 duplicate accounts need to be verified or deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavors to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/2022 ; XXXX  XX/XX/2022 ; XXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.
Product: Student loan

Ne l Net keeps trying to make me pay for a student loan for a school that was shut down by fraud. They were shut down by the government. This was known as XXXX XXXX Most employers find their license laughable. And wont even accept them or look at you. I went to college there from XX/XX/2008 till XX/XX/2008 because they falsely told you you could graduate at this time.
Product: Credit card or prepaid card

XX/XX/XXXX : Paid the total amount due on the Citi Credit Card.
XX/XX/XXXX : Check account to verify that all balances were at XXXX. Discover a new charge of {$69.00} has been added. Make payment in amount of {$69.00}. Total account balance is now at XXXX again. XX/XX/XXXX : Check account again to verify balance is at {$0.00}. Discover a new charge of {$45.00}. Contact Citi, and I am told that even though I paid off my balance, interest fees continue for up to two months after. I pay the {$45.00} balance and close my account. Associate asks if there is anything to remedy that problem, I say to credit me that two interests charges that I have been charged since paying off the total balance due, and I am told interests charges are hard to overturn. I close my account. No other card I have ever had has continued to show a balance after I have paid off the account. I feel that the way Citi has done this is deceptive, because most people will pay off the balance and figure that they are done. If I had n't checked on my own to verify my XXXX balance, I would still be accruing late fees etc for not paying on an account that I thought was at {$0.00}. As of this writing, I ca n't be 100 % sure that I wo n't have another interest charge in another month.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

Credit bureaus reports XXXX XXXX repossessed the loaned vehicle and the vehicle was paid off. This statement is contradictory. 



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. 

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: Debt collection

They called me this morning and I answered. Told me the debt was for XXXX XXXX credit card before verifying they had the correct party. I told them I don't verify over the phone and terminated the call. They have called again and just hang up as I answer. I called them to ask why they are doing that and the female representative said, '' because we HAVE to have a conversation with you ''. She became rude and wanted to talk over me. I terminated call again.
Product: Payday loan, title loan, personal loan, or advance loan

loan was taken out in XXXX and it was super expensive XX/XX/year> XXXX # XXXX Dear XXXX XXXX, Thank you for your communication. As requested and agreed, on XX/XX/year> you authorized us to process a one-time payment from your debit card ending in XXXX for {$690.00} for the remaining balance on your loan. Once this payment posts and clears, your account with Big Picture Loans will be marked as paid in full. * Please allow XXXX business days for your account status to be fully updated. Its been a pleasure having you as a customer. If you need us in the future, please contact us. 

Thank you, Customer Support Big Picture Loans XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and discovered a lot of billing errors. mistakes in billing under U.S. 15. Code 1666 ( b ) the creditor 's failure to appropriately reflect a statement, a payments made by the debtor, or a credit extended to the debtor. a computation error or other accounting mistake made by the creditor on a statement. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor didn't send me a statement 21 days beforehand. I demand to see specific documentation from the creditor 's bank accounts proving that I failed to pay and were considered past due because these are obviously billing errors. Below are the list of the disputed accounts. 
XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed XXXX {$36000.00} XXXX XXXX XXXX XXXX Balance Owed : {$64000.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$15000.00} XXXX XXXX  XXXX Balance Owed : {$12000.00} XXXX XXXX  XXXX Balance Owed : {$11000.00} XXXX XXXX  XXXX Balance Owed : {$26000.00}
Product: Credit card or prepaid card

On XX/XX/XXXX XXXX XXXX charged {$25.00} for medical visit at XXXX XXXX. On XX/XX/XXXX he charged {$480.00} at XXXX XXXX. On XX/XX/XXXX he charged {$10000.00} at XXXX XXXX XXXX law firm. Prior to our separation XX/XX/XXXX. XXXX told me that he did not have access to my Citi account. I was surprised to see these charges. I did report this to Citi. I also filed an identity theft report with the Federal Trade Commission the day I learned he posed as me to try and gain access to my Been Verified account. My attorney also sent an email communication attached to XXXX XXXX law firm on XX/XX/XXXX notifying of the transaction- " XXXX, Your client is impersonating my client and attempting to access his personal accounts and also making unauthorized charges on his credit cards. One appears to be a XXXX charge to possibly your firm which my client will dispute. Please advise your client accordingly. XXXX ''. Attached you can find the invoice charged at that point was only {$1100.00} of the {$10000.00}. At the the firm could have returned {$8800.00} to the card. This communication and the invoice are attached.
Product: Credit card

I have received several applications for credit cards I never applied for. It appears that someone is using my social security number to do so. The last notice I received was dated XX/XX/2023.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Late Payments Account XXXXXXXX XXXX XXXX # XXXX Dear XXXX XXXX, I am writing to formally dispute the accuracy of the reported late payments on my credit, Account # XXXX. Upon reviewing my records, I have identified discrepancies with the late payments reported on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. XX/XX/XXXX According to consumer protection laws : 1. 15 U.S. Code 1637 : This regulation requires that all information related to my account be accurate and complete. 2. 15 U.S. Code 1681i : This law mandates that creditors investigate and correct any inaccurate or incorrect information appearing on my credit report. 3. 15 U.S. Code 1681s-2 : This provision obligates creditors to notify credit bureaus of any errors or disputes related to the account. After carefully reviewing my payment history, I believe the reported information is inaccurate. Therefore, I am requesting that you initiate an immediate investigation to verify and correct any errors. Additionally, under the regulations set by the Consumer Financial Protection Bureau ( CFPB ), you are required to take corrective actions should the information be found incorrect. I also request the removal of any inaccurate late payments from my credit reports with all relevant credit bureaus ( XXXX, Experian, and XXXX ). Enclosed are copies of my credit report and any supporting documentation relevant to this dispute. Please confirm in writing that you have received this letter and inform me of any actions taken as a result of this investigation within the timeframe set by law. Thank you for your prompt attention to this matter. I look forward to your response and the immediate correction of the inaccurate information. Sincerely, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

i am filing a complaint against equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. despite my submissions, equifax consistenlty responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Futhermore, Equifax actions may also contravene the Consumer Finanical Protection Act ( CFPA ) 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB recent administrative proceeding ( File no. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation
Product: Debt collection

I am filing a complaint against XXXX XXXX XXXX XXXX , XXXX regarding account # XXXX. This company is fraudulently report inaccurate information to me credit profiles with the major credit bureaus, as well as defaming my character. I have made several attempts to reach this collection agency, to receive no response, and invalid mailing address. I used the address reported to XXXX  on my credit report and it is invalid. Since I have no contract with XXXX XXXX XXXX XXXX aka Profit Services Group, of XXXX Georgia, I want this account REMOVED FROM MY CREDIT IMMEDIATELY! I have also filed a complaint with the CFPB complaint # XXXX, and have not received a response either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Credit reporting Agency Equifax multiple letters regarding alleged loans on my credit report, and asked them to do an investigation on alleged loan accounts. In response I would get letters from them saying accounts were verified through e-oscar with no proof, but computer generated responses. They did not do a thorough investigation. 

Also, these reports appear to have been generated by the same lender so why is the data reporting inaccurate? As the governing credit bureau it is their responsibility to report consistent and most importantly accurate information. Equifax the governing bureau have failed to report correct data for other lenders/potential lenders to view and determine me as credit worthy. Information on accounts are different from other credit reporting agencies.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>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 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 ) : 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 

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 XXXX XXXX XXXX XXXX XXXX  ] Additionally, I request the removal of the incorrect employers listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX The only job I need listed is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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: Debt collection

I am making a complaint against XXXX XXXX XXXX XXXX because in XXXX of 2019 my account was compromised. I was aware that I had 2 lines on the account and then my phone was shut off due to lack of payment. I traveled to my local XXXX XXXX XXXX XXXX to find out why the phone had been shut off and why the monthly bill was now way higher than the normal. After speaking with a representative at my location I found that there were now 22-23 lines on my XXXX XXXX XXXX  account. I was shocked and so was the representative, solely because I had a personal account, which should have only allowed for a total of four lines. I was then advised to leave the account as it was and open a prepaid line so that I could have use of my phone until I could get to the bottom of everything. After another call to XXXX XXXX XXXX I was told that these lines were added to my account on XX/XX/2019 in XXXX. I was in XXXX, Florida at the funeral of my grandfather and could not possibly have added lines to my account that day. The only names on the account were my own and another gentleman of whom did not have authority to make any changes on my account. I, in some way, was still deemed at fault even given this information. I had no part in these lines being added to the account and have no idea how or who added them and should not be held at fault for these fraudulent acts.
Product: Checking or savings account

On XX/XX/2023 I deposited a check for {$5900.00} to BANK OF AMERICA from XXXX BANK which is my irs refund. The XXXX bank cleared the funds to Bank of America on XX/XX/2023. Unfortunately, its XX/XX/2023 and Bank of America is telling me the funds havent been funded and the check still need to be verified. I have been evicted and currently homeless in shelters with my XXXX kids because I was unable to pay my bills and I even told Bank of America that but they said it wasnt nothing they could do about that. They keep giving me false dates and telling me it would be deposited on that day but havent and keep pushing back the deposit date. I am heartbroken and out of options.I dont recommend depositing check to Bank of America because they will not be able to tell you anything when they hold your money. Please help!
Product: Debt collection

I had been in contact with the company regarding an outstanding debt. The account manager took it upon himself afterwards to call my relative out of state to discuss the debt.
Product: Checking or savings account

XX/XX/2020 my chime bank account was accessed by Either XXXX XXXX, XXXX XXXX, XXXX XXXX then transferred my paycheck {$450.00} to XXXXXX/XX/XXXX
Product: Student loan

I have continually been employed in Public Service since my student loans entered into the repayment phase and this has been accepted by my lender. I was told by my lender that my first three years of FULL loan repayments would be counted retroactively towards my Public Service Loan Forgiveness program once I was accepted to the PSLF program. Now I am being told that because I wasn't first registered in a preferred repayment plan such as the Income Driven Repayment Plan, these three years of on-time and FULL payments will not count as qualifying payments. I've been told that I've lost out on approximately 36 payments I've already made of my required 120 overall payments for PSLF. I paid the full amount monthly for three years which is greater than those monthly amounts required by plans such as the Income Driven Repayment Plan. This makes absolutely no sense and is a substantial time delay in my repayment process. Information given to me as I signed up for PSLF was inaccurate.
Product: Money transfer, virtual currency, or money service

Hacker ( s ) took all my investments from my Coinbase account worth XXXX  XXXX XXXX of dollars. Account is linked to my email address. Coinbase acknowledged. 
unauthorized activities on XX/XX/XXXX and XX/XX/XXXX. Coinbase case # is XXXX.
Product: Credit reporting or other personal consumer reports

I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my accounts. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the companies linked to these accounts, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my accounts to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments. It is perplexing to me that while other credit bureaus have already rectified the status of these accounts, your bureau continues to report these late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. 


XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX
Product: Mortgage

XX/XX/2020 - We closed escrow for our home. 
XX/XX/2020 - Received first mortgage payment notice from escrow company for the amount of {$2100.00} due on XXXX XXXX payable to XXXX  ( Loan # XXXX ) XX/XX/2020 - Received letter from XXXX indicating that our mortgage was sold and effective XX/XX/XXXX payment should be sent to XXXX XXXX for Lakeview Loan servicing LLC. 
XX/XX/2020 - Sent XXXX payment via XXXX online payment to XXXX ( Check # XXXX ) XX/XX/2020 - Received letter ( dated XX/XX/2020 ) form Lakeview loan servicing LLC notifying us that they are the new loan servicing company and the payment for XX/XX/2020, must be sent to them!???? 
XX/XX/2020 - Payment forXX/XX/2020was sent payable to Lakeview loan servicing LLC ( Trace # XXXX ) XX/XX/2020 - Payment for XX/XX/2020 was sent payable to Lakeview loan servicing LLC ( Trace # XXXX ) XX/XX/2020 to XX/XX/2020 - Received daily harassing calls from lakeview loan servicing LLC for late payment. I called several times explaining their mistake with no results. They have applied my XXXX payment to XXXX, XXXX payment to XXXX. 
XX/XX/2020 - Just mailed XX/XX/2020 payment to Lakeview loan servicing LLC. (  Check # XXXX  ) I have never been late on any payment and now I am considered one month late! 
IT IS VERY UNFAIR THAT I HAVE BEEN WITHOUT WORK OR INCOME SINCE XX/XX/2020 AND HAVE TO CHOOSE BETWEEN GROCERIES FOR MY FAMILY AND MAKING AN EXTRA MORTGAGE PAYMENT BECAUSE THESE TWO LOAN SERVICING COMPANIES HAVE MADE AN ERROR. PLEASE HELP!
Product: Debt collection

I have received correspondence from a company called Calvary SPV I, LLC.

Their correspondence claimed a debt that may have allegedly been owed using my name. This corporation then proceeded to file an alleged debt on my credit report without my consent. 

I asked XXXX XXXX to provide me with an original contract with my wet ink signature that has obligated me to pay any alleged debt. She has failed to provide any. 

There is no contract signed in my name that binds me to this Calvary SPV I, LLC corporation. This has led me to believe that Calvary SPV I, LLC and its agents may be operating in fraud.
Product: Mortgage

In XXXX XXXX, I entered into a modification agreement with M & T Bank, a modification I believed was to make owning a home affordable for those who have had trouble in the past making mortgage payments, all it did was start my mortgage over again as if I 'd just walked out of settlement. I 've gone through bankruptcy trying to keep this property out of foreclosure and all this bank tries to do is sabotage this mortgage every chance they get. I received a notice telling me that I have not fulfilled my modification agreement and that the property will be entered into foreclosure. I have spoken with an M & T Bank representative and have asked for the latest date my payment can be in that bank, I was told no later than the XXXX. My XXXX XXXX payment will be made via walk in branch on XXXX XXXX, XXXX or via electronic online delivery, nonetheless, it will be in office before XXXX XXXX, XXXX. However, I do n't recall reading my agreement and seeing that M & T Bank is required to call me every month to ask me when I plan on forwarding payment. One month, I believe XXXX XXXX, they tried to tell me they had n't received payment ( typical M & T bank procedure ) I also noticed that for that month, a date was n't stamped on the check they cashed, things that make you go hummm?, why was that? I have made every payment since the agreement and XXXX XXXX will be no different.