23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I took a loan in XX/XX/2016. They said no hidden fees. But the amount deposited into my checking account was less than the amount I was expecting. They said it was processing fees. 
I see the FTC has filed a lawsuit and I want to be a part of it. I am paying interest on money that I anticipated having for my use, not sudden mysterious fees going back to Lending Club. 
Also, if you are over 15 days late but before 30 they add a late fee to THAT payment due. Most companies add to following monthly statement. So if you pay only amount you think is due and don't include the sudden late fee, then you will be 30 days late because you didnt pay enough. They are very sneaky and can ruin someone's credit with this tactic! 
Thank you.
Product: Student loan

Hi, Since the return of student loan payments, I have made several attempts to temporarily delay payments by means of general forbearance. Ive spoken to Mohela ( my servicer ) reps twice, who gave me conflicting information. 

The other XXXX attempts I made were denied with the following reasons for each : - request date too far into future ( which isnt true because I have over two years of forbearance left on my account, verified by Mohela employees ) - digital signature not accepted - wrong document uploaded, even though it wasnt I am simply trying to delay my payments for one calendar year so that I may get my finances in order so I can pay my loans, which I proudly accept as my responsibility. Mohela, on countless occasions, has given me the run around and has denied my attempts by moving the goal post for what is needed for a seemingly simple request. I am happy to speak to whoever can assist so I can get this moving forward. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the items was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictio
ns of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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: Mortgage

We changed insurance companies during the year XXXX  and we provided the new insurance policy. The new policy was under our business name and Bank of America did not accepted. After working with our agent, we provided a new policy to Bank of America with our personal names on it. 

Bank of America kept asking for different dates on the policy so since they could not get everything on time they forceplaced insurance. The cost of the insurance was XXXX XXXX when we only owe XXXX XXXX on the loan and have never been late on the mortgage. 

I worked in mortgages for 10 years and never during my time we forceplaced an insurance that high. We believe the cost was outrageous! 

They finally received what they needed and they refunded part of the foreplaced insurance back to our account but not all of it even though we have not had lapse of coverage. As a result of this, our payment went from a {$1000.00} a month to {$2300.00} a month. The balance left on the loan is only {$31000.00}. 

I have called BOA 3 times already and everytime I called they asked for different information. We would like for all the money to be put back into our escrow account.
Product: Credit reporting or other personal consumer reports

Cease and Desist Communication Regarding Charge off I am writing to formally request that you cease and desist all communication with me regarding the debt.which you claim I owe. This letter is not an admission of any liability for this debt but a request for you to halt all communication concerning it. 

According to my records and the relevant statutes of limitations, this debt has been charged off, and it is no longer legally collectible. Furthermore, any attempt to collect or re-age this debt is in violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. 

Therefore, I insist that you : 1. Cease and desist all written and verbal communication with me, my family, or my associates concerning this debt.

2. Do not report this debt to all credit reporting agency and request for deletions to credit reporting agencies.

3. Do not sell or transfer this debt to any other third party.

4. Provide written confirmation, within 30 days of receiving this letter, that you have ceased all collection activities related to this debt.

Please consider this letter as a formal warning that I am aware of my rights under the FDCPA, and I am prepared to take legal action if you do not comply with this request.

I request that you send all further correspondence related to this matter, including the confirmation of cessation, and deletion.

Your immediate attention to this matter is expected and appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not allow me to unfreeze my credit report online. The mail-in process is not helpful because my ability to secure housing depends on this report being accessible. 

I have successfully lifted the freeze at the other two major credit reporting bureaus, but the identity verification process has repeatedly returned a screen saying my request can not be honored and that I have to mail in a request. 

Additionally, efforts to retrieve my PIN were met with similar refusals to honor the request. I am NOT posing as anyone and would be HAPPY to answer more rigorous identity confirmation questions. I also can electronically provide the proof they request. 

Mailing is not an option for me given the timeframe in which I need resolution.
Product: Student loan

Naviet keeps sending notices that my loans are due and increase interest throughout the pandemic loans have been waived and i am already in a income drive payment plan and they keep saying i have payments when they are included and i sent them documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my endeavor to tell you 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 XXXX XXXXXXXX Balance : {$0.00}
Product: Credit card

Ive been using this card for years and have made regular payments. They first lowered my credit limit without warning so that my regular spending was hitting the limit of the card ( that should be illegal as its manipulating my credit score ) and now they are refusing to apply a payment for over a week. I paid the entire balance of the card and they are just holding it. I never agreed to this and they have never done this in the past so its reasonable for me to assume it shouldnt be happening now.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a {$300.00} loan with this company previously and simply paid the amount back with {$30.00} interest on my due date. A few months later I was offered a higher amount and I DECLINED and emailed them that the contract they sent me has daily interest without even accepting the loan. I advised them I do not want a loan and did not agree to any terms. I emailed again the following month after seeing that my bank statement had a charge from this company for {$430.00}. They said I requested a {$800.00} loan and agreed to repaid {$4000.00} back in those installments which is A LIE! this company fraudulently used my info from my previous loan to create a new one with daily interest that adds up to over {$3000.00} and they have my account info! I have placed a stop payment with my bank already as well.
Product: Credit reporting or other personal consumer reports

In alignment with my rights under the Fair Credit Reporting Act ( FCRA ), the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 

Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XX/XX/1987 My correct Social Security XXXX My correct address is:XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Michigan XXXX My employer is : XXXXXXXX XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.

Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX & XXXX XXXX Inquiry Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate late payment entries reported on my credit profile associated with my account with XXXX XXXX. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2, creditors must ensure the accuracy of the information they report to credit bureaus. I have maintained a consistent payment history and have never been late on any payments. 

Despite my request for documentation to validate these late payment claims, I have not received any evidence supporting this assertion. Under 15 U.S.C. 1681i, I have the right to dispute information in my credit report and request that you investigate the accuracy of the reported late payments. Without sufficient documentation proving that I was late, you are obligated to correct my credit report and remove any inaccuracies. 

I urge you to review my account and the reported late payment entries. If you can not provide the necessary documentation to validate the claims of late payments, I request that you correct my credit profile by removing these inaccuracies promptly. 


Thank you for your attention to this matter. I look forward to your prompt resolution.
Product: Vehicle loan or lease

I got hurt at work and was put on workers comp in XXXX of XXXX. I told them that it happened and asked them to lower the payments or work with me til I get back to work or get a settlement to pay off the car. They told me no they couldnt, I asked if we could refinance it since I had it over a year and was told no on that as well. I got hung up on multiple occasions trying to work it out. They were just no help. It was my only car for transportation and left me with no vehicle to get to my appointments and stuff I had to do. So I have been trying to get rides to all of that. I then called them about the voluntary repo since they werent going to work with me. Got hung up on again. Then they would call me everyday just asking about the payments that were due. I told them that I was trying to do the voluntary repo. They would transfer me to someone and get hung up on. Tried doing the voluntary repo in the beginning of XXXX and never got a response from the company to get it. Finally got through to do a full conversation of the situation and they told me they cancelled the voluntary and were making it a repo from them. Finally got the car picked up yesterday XX/XX/XXXX. Long story short I wanted to keep the car I tried every way possible to keep from hitting my credit and messing my life up more when Im already in a bad spot with workers comp and now possibly being permanently XXXX. I was fully honest and let them know everything I was going through and the whole situation.
Product: Mortgage

I am a widow and this is stressing me out both emotionally and physically. 
XXXX of all, when I call them, I get this recording, 'your last payment of {$1500.00} was made on XX/XX/2016 and your next payment of {$1500.00} is due XX/XX/2016 ' RED FLAG! What I was calling about was on XX/XX/2016 my statement said payment due XX/XX/2016. I made a XXXX payment. Then the XX/XX/XXXX statement generated said my payment was due XX/XX/2016, and I did not make a payment for XXXX. The XXXX payment took over XXXX weeks to get there. The statement generated on XX/XX/2016 says that {$8200.00} was XXXX ''. They have CASHED these checks. And I have when I sent them and they allegedly got them. I am on XXXX and I do n't get my check until the third Wednesday of the month. My payment takes most of my check. I got my XX/XX/XXXX check back because I did n't put the XXXX cents in where you write the amount. They charge me {$6.00} for certified mail, when I mail my payments certified, it costs me {$3.00}. I have got XXXX with a certified tracking number on it. They also charge me for property inspection, {$13.00} and they are NOT in California. They also sent back my XX/XX/XXXX payment because it was n't the {$12000.00} plus due. I they pay my property taxes and I feel that they are OVERCHARGING me. When I called them I got that recording I mentioned in the beginning and the person I talked to was in the XXXX, a XXXX. They charge up to {$19.00} to talk to a customer service person. He said that " I '' would have to call back to get the results. 
I have sent letters to them and no response. 
If I have to get a lawyer I am wanting Ocwen to pay the lawyer fees. 
It was in foreclosure I resolved that and have been making payments since.
Product: Mortgage

My mortgage loan was transferred to Amerihome Mortgage LLC ( loan servicer ) immediately after closing with XXXX XXXX in XX/XX/2018. The first payment check for {$2600.00} dated XX/XX/XXXX18 was mailed to the above servicing company on XX/XX/XXXX18. The check was debited in my checking accounting with XXXX Bank on XX/XX/XXXX.18. On XX/XX/XXXX18, I viewed my mortgage account with Amerihome online and found that no payment had been credited to my loan account. I communicated ( attached " Communication XX/XX/XXXX '' ) with the loan servicer on XX/XX/XXXX18 and provided the copy of paid check ( see attached file " cashed check '' ). I was told that my complaint has been sent to Cash Dept. for research and I will be informed within 3 business days. However, I did not get any response. I communicated ( attached " Communication XX/XX/XXXX '' ) with the loan servicer once again on XXXX18 and was again informed that they have not heard from Research Dept. and will inform me once they get the information. No information was received and I contacted the loan servicer again on XX/XX/XXXX18 ( attached " communication XX/XX/XXXX ' ) but no results of research were available. I requested for signing of affidavit for non-receipt of cashed check required by my Bank to claim the payment from paying Bank and sent the affidavit for signature on XX/XX/XXXX ( attached " Affidavit XX/XX/XXXX '' ). 
Till date I have not heard anything from the loan servicer. The signed affidavit is need by my Bank immediately to claim the payment from the paying bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -XXXX XXXX XXXXXXXX XX/XX/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 an account without my written instructions.
Product: Payday loan, title loan, personal loan, or advance loan

On XXXX XXXX, 2024 upon applying to Affirm I was denied. Assuming, it was due to not verifying my identity correctly due to the credit freeze on my report. I called XXXX to lift the freeze and XXXX XXXX, 2024 upon re-applying to Affirm to receive the same denial. I made the attempt to apply for a credit line after Affirm was extended use of my social security number for my credit line to then be denied. Upon, the Equal Credit Opportunity Act 15 U.S.C. 1691 et seq. prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, because an applicant receives income from a public assistance program, OR because an applicant has in good faith exercised any right under the Consumer Credit Protection Act. I have excised my right with good faith under the CCPA and was still denied based off of inaccurate reporting to my XXXX report and the accounts are reflected as open disputes. Therefore, Affirm has discriminated against me with extending my credit line due to inaccurate reporting and the reporting shows open disputes.
Product: Checking or savings account

I had an account with Bank of America and it was closed at the bank 's discretion. I had my bank card and information stolen and apparently someone ( unknown ) tried to deposit a check into my account. I went through at least 3 months of agony with BOA trying to get a status of a investigation they advised they were doing and also trying to retrieve the funds that I knew I had in the account. I always got the run around and would always get transferred from one department to another. Nothing was never resolved and I heard back from anyone. I ordered my XXXX report and I seen BOA reported on there. I reached out to BOA and they advised there was a check deposited on XX/XX/2019 for {$300.00}. I was never aware before now of the date or amount of anything. All I know is that my account was closed and now I have a suspected fraud activity on my report and I am trying to dispute and clear my name. I have never had this occur before and I was baffled when a BOA agent told me there was never an investigation done. Why? Why slander my name? Please assist so I can move forward from all of this. Thank you! 

P.S. I tried calling BOA 3-4 times on XXXX and prior dates and I couldn't get not one answer about what I can do because I was hung up on and it seemed accidental but no one even tried to call me back and I was getting the run around yet again and being transferred between 2 different departments whom both stated they don't assist with my issue.
Product: Checking or savings account

I mobile deposited XXXX third party checks endorsed to me on XX/XX/XXXX with Bank of America. They totaled together around {$2000.00}. The check was then placed on hold for XXXX to XXXX weeks. I went to access my account on Bank of Americas mobile app on XX/XX/XXXX when I realized it was not allowing me to login. I called Bank of Americas customer service on XX/XX/XXXX and they disclosed to me that they have closed my account due to a third party check being deposited as third party checks were against their policy. I was not given notice but accepted the outcome and opened a new bank account with another bank. They disclosed my account would be officially closed on XX/XX/XXXX. They disclosed that on that date they would send a check with the balance of my account to me in the mail and return the funds of the check to the establishment that wrote the check. I called the establishment who wrote the check and they claimed they had not received the funds. I called today, XX/XX/XXXX to see if I could get a tracer number or location of the funds. I was informed by Bank of America that my funds were STILL on hold for reviewal. The {$2000.00} worth of funds from the XXXX checks have not been returned to the establishment who wrote the checks AND I have also not received the funds. This is nearly XXXX months of XXXX Bank of America has held my funds which seems unlawful. I expressed to the customer service team Id like an explanation and they told me their is no expected time of return and they have no further information outside of the funds are on hold. They could not give me a timespan I could expect the funds or WHY the funds are still being reviewed XXXX months after deposit.