23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

BSI told me that if I made 4 consecutive payments that I would be approved for a loan modification. Those payments were {$5000.00} in XXXX {$4600.00} in XXXX {$4600.00} in XXXX {$4600.00} in XXXX I made all of the payments. The last one was made at the end of XXXX. 

The specialist that was assisting me from BSI confirmed on XX/XX/XXXX that all was received and that The final modification agreement will be sent in about 1 to 2 weeks. I will call you once its sent. 

That did not happen. 

On XX/XX/XXXX ( a month later ) I emailed BSI and said it has been more than 2 weeks and we have not received the final modification. Their reply was We are still waiting on the escrow analysis. It should be sometime next week. 

On XX/XX/XXXX still no modification agreement. So I emailed BSI again and asked specifically. Are we supposed to simply send in an arbitrary amount for the mortgage or were we supposed to wait on the final modification agreement ( and escrow analysis ) for the NEW/proper amount? Again we have no idea since we have not received anything and also still do not have access to our account on the website. Their reply was.. The final MOD agreement was sent via Fed ex to you yesterday. You should get them tomorrow. You need to sign and notarize and send back ASAP. 

They purposefully did not answer my question about the mortgage payments! 

I received the agreement on XX/XX/XXXX. It said I had 14 days to sign and return. ( Still no mention of a mortgage payment or the amount being due ). 

They received the SIGNED document on XX/XX/XXXX. So logistically that would mean that the modified mortgage would naturally start AFTER I signed the agreement and they received it. That is not what they are trying to do. 

They are now going backwards and saying that I am behind on the mortgage because I did not pay for XXXX or XXXX while they were trying to get the paper work together. On top of that they are now threatening to escalate the mortgage for full payment ( illogical ) if I do not get it paid in by XX/XX/XXXX ( which is less than 30 days notice ). That is completely insane! Especially since I asked ( in writing ) about what amount should I pay if any while we wait on them to get their paper work done. And I did not get an answer. 

Not to mention no one from BSI ever called me in XXXX or XXXX to say your mortgage is behind. Nor did I ever receive anything in writing saying that XXXX or XXXX was behind. 

The agreement should be effective from the date that I signed - not the date after I made the last pre-modification payment. Nothing was official at that point because I had not signed it yet. The agreement was not in effect and had not been legally solidified until I signed the final modification agreement. Therefore my payment should be applied to XXXX. And I should owe for XXXX. 

I have all correspondence in writing. 

I feel BSI is being extremely shady in their business practices and I need your outside party assistance.
Product: Checking or savings account

Between XX/XX/2023 and XX/XX/2023, Webster Bank planned to implement system upgrade and all accounts were not accessible to all of their clients, including me. Webster Bank said that access to my account would be restored today, XX/XX/2023. 

I was unable to log in today and access my account online and also through their mobile banking app on my phone. I called the customer service line and was on the phone with the representative. She was unable to help me and said that my account sill needed to be " set up '' for access and she would initiate that process. She said that it would take three days. 

I need to access my account right away. Them having to shut down access for the weekend for the system upgrade was inconvenient and not ideal, but I accepted it. Them not being able to give me access to my account for another three days is not acceptable.
Product: Credit reporting or other personal consumer reports

I lived at XXXX XXXX XXXX Apartments during 2022. At move in, I gave the complex the list of damages and detailed comments regarding my apartment and what I see, so documentation was noted and I would not be help accountable for previous damages. These damages included holes in the drywall, stains on the carpet, cable wiring damaged, scuff marks on the wall, and discoloration and markings on celling and wall. At move out, I had XXXX XXXX XXXX, and was in a XXXX, unable to XXXX. I informed the apartment complex of this, and explained that trash and boxes were a concern, so I would be expecting some kind of charge at move out. I received a statement 2 months after moving out of XXXX XXXX XXXX Apartments with several charges that did not make sense and I believed were untrue. I requested an itemized invoice, copy of my ledger, and photos as proof. This was never sent to me. After speaking with a property manage, I was informed this would be corrected and fixed. This issue has yet to be corrected.
Product: Credit card or prepaid card

I have paid off my credit card in the full amount of {$9000.00} on XX/XX/2020. Due to the larger amount of money making it through the ACH system the full amount was delayed and did not make it on XX/XX/XXXX, even though originally when I started the deposits the money was expected to make it to the US Bank account by XX/XX/XXXX.

US Bank has charged me {$39.00} fee, plus {$2.00} minimum interest, even though I paid off the card in full.

These are exhorbitant fees representing infinite interest rate for an account whose balance is {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX. XXXX I sent a certified letter to XXXX and to XXXX XXXX XXXX I informing them to delete this fraudulent account from my credit profile. I have not made any payments to XXXX XXXX XXXX. 

XXXX XXXX XXXX reported receive of payment on XX/XX/XXXX in the amount {$100.00} and on XX/XX/XXXX in the amount of {$250.00}, and a balance {$3200.00}. 

XXXX XXXX XXXX is reporting to the Credit Bureaus with a new balance, late payment and past due amount every month, and also reporting as a charge off every month.
Product: Student loan

On XXXX/XXXX/2017 I was contacted by XXXX XXXX of XXXX XXXX, " a government funded program to help students through loan forgiveness. '' She told me that I might be eligible for 100 % loan forgiveness and that I should complete an application to see. After completing the application she told me that I qualified for {$0.00} payments 240/mo if I accepted this management fee of $ XXXX/mo for 36 months for them to handle the docs and applications. So the hook was saying " would you rather pay -- $ XXXX/mo for 36 months to have $ XXXX/mo payments through the remainder of your 240/mo term -- or pay your current payment of 90/mo for the remainder of your 240/mo term? '' to me it seemed like a no brainer so I went through the process and signed papers to have them handle the refinance.
What I am realizing now is that I could have done this process myself for free by just calling Navient. I am angered and frustrated that a company can target and swindle student loan holders who, like me, are young, hardworking, and just trying to do whats best for themselves and their future. Even if the fine print covers Equitable Acceptance legally which I WILL have a professional to look into ... it is unethical to mislead the consumer into thinking they are taking an option that is n't offered anywhere else, nonetheless for free and is a blind robbery of people who do n't have money to spare in the first place!
Product: Credit reporting or other personal consumer reports

XXXX ) XXXX XXXX # XXXX. XXXX ) XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX... all ( 3 ) are in violation of multiple laws set forth by Congress for reporting accounts illegally to XXXX XXXX, XXXX and Experian. 

15USC 1681b ( 2 ) states in accordance with the. written instructions of the consumer to whom it relates, I have never provided written permission for such accounts to be reported on my consumer report.

Additionally, 15 US Code 1681s2 ( e ) ( 1 ) ( A ) states that a person shall not furnish any information relating to a consumer ( XXXX XXXX XXXX ) to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Furthermore, 15 USC 6802 ( b ) ( 1 ) ( B ) states the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party.I have never received any form of notice to opt out of my non public personal information to be shared with unaffiliated third parties.I have a right to privacy and per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, non verbal per 5 U.S. Code 552a per the FCRA as a federally protected consumer may have given you written, non written, verbal and non verbal per 15 U.S.C.6802. I shall also point out their responsibility pursuant to 15 U.S.C. Section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after a notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is ( ii ) the information is in fact inaccurate. 
Remove these accounts immediately : XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Additionally, FCRA 604 ( a ) ( 2 ) states a credit reporting agency can not furnish an account without my written instructions.
Product: Debt collection

Account Name : CITI Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$4000.00} Reason : Identity theft Please remove it from my credit report.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MI XXXX Document Date : XX/XX/2024 EARLY WARNING SERVICES , LLC ( hereinafter " Company '' ) XXXX XXXX XXXX XXXX XXXX, AZ XXXX ATTN : OPT-OUT DEPARTMENT Re : PERMANENT OPT-OUT OF PREAPPROVED OR PRESCREENED OFFERS OF CREDIT/INSURANCE To Whom It May Concern, Please accept this letter as my formal request to remove my name permanently from the lists that your Company provides to businesses that send firm ( preapproved/prescreened ) offers of credit or insurance. under the Federal Law, you are required to comply. 

I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : FULL NAME : XXXX XXXX XXXX SOCIAL SECURITY NUMBER : XXXX DATE OF BIRTH : XXXX  ADDRESS : XXXX XXXX XXXX XXXX. XXXX XXXX PHONE NUMBER : XXXX EMAIL : XXXX After this Permanent Opt-Out has filled, please send me written confirmation to the address listed above. 

I sent this notarized letter via certified mail to confirm my identity and ensure that this request will be processed. 

Your immediate attention to this matter is appreciated, thank you. 

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

Dear Consumer Financial Protection Bureau, I hope this email finds you well. I am writing to file a complaint regarding an account on my consumer report and to request assistance in resolving this matter. The account details are as follows : Account name XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid in settlement. 
Status updated XX/XX/XXXX I kindly request the deletion of this account from my consumer report to ensure the accuracy of my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX  : # XXXX, those 2 accounts Were sent to collections which means it is illegal for XXXX to have reported this information on my credit report pursuant ( 15usc 1681c 4 ) Which says that accounts placed for collections is excluded from credit reports. Each one of those accounts were sent to collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX  ; XXXX XXXX XXXXL XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX Balance : {$XXXX} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$XXXX} ; XXXX XXXX Balance : {$XXXX} ; XXXXXXXX  XXXX Balance : {$XXXX} ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXXXXXX 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
Product: Debt collection

This was a debt for XXXX XXXX received from XXXX XXXX XXXX with XXXX XXXX XXXX. for an XXXX  XXXX XXXX. There was a delay in payment due the my dental insurance originally denying the claim as not medically necessary. I was not aware there was an issue with this service for a XXXX XXXX until a bill was received from AWA for {$710.00}. I reviewed my dental charges with XXXX XXXX and saw the amount of the bill was {$530.00}. At that point a payment in the amount of XXXX was sent directly to XXXX XXXX XXXX via XXXX. After a dispute was submitted to all three credit reporting agencies, the amount of the debt was reduced to {$310.00}. Once it was discovered the amount was less than the original debt, an additional {$130.00} was sent directly to XXXX XXXX XXXX for another {$130.00}. I have called AWA several times on this matter. I spoke with XXXX XXXX, ext XXXX and was advised i needed to send a copy of the payment that was sent to XXXX XXXX. This was done but when i called to verify the status I was advised the fax was illegible. At this time I also asked XXXX if he had reached out to XXXX XXXX 's office directly to verify the payment and he advised they weren't allowed to ask that and could only call the dentist 's office if they had proof of payment themselves. So I submitted a very, very, clear image of the payment shown by XXXX. I since have left several messages with XXXX at AWA with no response. The bill is still showing on all three credit reporting bureaus.
Product: Credit reporting or other personal consumer reports

Information was linked to the dark web on XX/XX/year>. XXXX sent the alert by email and this action resulted in all of my credit report being breech causing me to be a victim of identity theft. So therefore I need all item removed off my credit report. Finally this was address to all three credit bureau with letters sent about several inquires and other items, Thanks!
Product: Checking or savings account

Approximately 20 years ago, my parents opened a Custodial Savings account with USAA in my name with my father as custodian. 

Approximately 10-12 years ago, as a young adult, I accessed my own USAA banking account and said savings account was associated with it. I was able to see balances and transfer money in and out of it under my own authority. I have continued to use this account without issue since that time. 

Today, I noticed that this account ( with {$810.00} ) was no longer appearing. USAA did not warn me this would happen. USAA did not notify after it had happened as to why. I had to call to find out what had happened to my money. 

They informed me that it was an error on their part - that I should have never been able to view the account and that said error had been corrected ( 10 years later ).  What about the money in it? The custodian would be responsible for making me whole. And by the by, they were oh so sorry it took ten years to notice this and that that we didn't warn you before or notify you after that we had fixed our mistake that very much affects you. 

Despite my ability to see and use the account be a mistake, apparently none of the transactions I initiated through it are fraudulent or due to be reversed. This seems like a load of corporate CYA that I would love to have satisfactorily explained to me. 

Further, I was relying on money in this savings account to top off my checking account to cover an auto transaction that has posted but is pending. Obviously I may no longer be able to clear this transaction through my checking account because I - without warning - can't access the money in my savings account. The representative implied that the best solution would be to have the custodian transfer the money back to me - which may or may not happen in time. He would not commit to USAA eating any fees associated with a possible overdraft. 

I have been led to believe that this was a systemic error - mine was not the only account impacted. I am fortunate in that the custodian is still living and I maintain a good relationship with him. USAA seems to have had no contingency for situations in which the account holder and user can not contact the custodian.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX XXXX XXXX, and Transunion Information Services has violated the FCRA 1681, by not conducting a reasonable investigation of account reported by XXXX XXXX XXXX XXXX with a balance of XXXX. This account has been reporting on my credit report for a few years. Please block the fraudulent information that is reporting on my credit file from this company. Attached is the FTC Statement, and a copy of my identity.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report were incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Capital One charging late fee for credit card paid on time. I made a payment on XX/XX/XXXX for XXXX for XX/XX/XXXX payment. Then I made my XX/XX/XXXX payment on XX/XX/XXXX for XXXX. 
I made another payment on XX/XX/XXXX for XXXX which XXXX payment. I filing a report because Capital one delaying processing payments to customers accounts. Misleading consumers with due dates and mishandling payment. Call to discuss it the Company was rude.
Product: Credit reporting, credit repair services, or other personal consumer reports

Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). 

I have disputed this account on multiple occasions, as recently as XX/XX/. The information on the account is not mine. I have requested a copy of the contract with the wet signature and proof of my identification that should have been provided. I have not received this information or any response. The XXXXXXXX XXXX XXXX XXXXXXXX does not belong to me.