23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Loan care billing system is not updating their system to reflect up to date payments made on my account and customer service has been unable to help and fix it since XX/XX/XXXX : Hello can you all please pull up the notes on my account with loan number XXXX XXXX interest only loan )? It has been escalated ( reference/ticket number is XXXX ) but no one person I have spoken with has been able to fix the issues with my loan account. I have called and spoken with customer service reps on several occasions since XX/XX/XXXX as well as a manager finally by the name of XXXX XXXX on XX/XX/XXXX. He said if a payment is made on the same day, Loancare 's system voids it out. That is not clearly expressed on the website or the mobile app. This is what happened in the case of my XX/XX/XXXX payment. On the site I made two payments on the same date but the system only accepted the {$50.00} principal. Unbeknownst to me the {$24.00} was never drafted out of the account. He apologized and said to rectify things he would split the {$50.00} principal only payment received and reapply {$24.00} to the interest only payment that was due for XX/XX/XXXX and the difference to the principal. I see where the reversals were done on XX/XX/XXXX and XX/XX/XXXX but my account is still marked delinquent. Now when I log in to the system it says my XX/XX/XXXX mortgage was never received although I paid it XX/XX/XXXX. On the payment screen it says I now owe {$60.00} ( {$49.00} for mortgage payment and {$10.00} in fees ). At this point if you all applied a payment for {$24.00} on XX/XX/XXXX and I have already made a {$35.00} payment on XX/XX/XXXX I do not understand why it is showing that Loancare hasn't received up to date mortgage payments. I last spoke with one of your agents on XX/XX/XXXX and after placing me on hold for 22 minutes she kindly hung up on me. Your help would be appreciated!
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX Balance Owed : {$XXXX XXXX XXXX Balance Owed : {$120.00} XXXX AUTO XXXX Balance Owed : {$8300.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX OF XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX UXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the change. I ask that the items are deleted to correct my credit report. 

XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$11000.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$7200.00}
Product: Debt collection

... A company called " XXXX '', which only shows a P.O.Box as address, has tried to " collect '' a debt on behalf of " Capital One, F.S.B. " ; for such I have no knowledge nor I owe anything to that bank/credit ...
Product: Credit reporting or other personal consumer reports

My credit builder account was closed for said delinquency. There was no delinquency at all. They also took {$200.00} from my account when I spoke with an agent and was told I owe nothing. Its a secured card you can only spend what you have in the account. I was mishandled by XXXX. I took a major hit on my credit. They have admitted fault but disconnected the chat when i asked to be refunded. I have screenshots of the conversation.
Product: Checking or savings account

We were billed {$25.00} because TD Bank stated our checking account balance fell below the required $ 2.5k minimum. When we opened the account, we were advised that it was the balance of all of our accounts, not just checking which is why we agreed to that account type. There are other options we would have chosen had they made that clear. In fact we were steered away from their relationship checking because it had a higher combined minimum balance even though the total of all of our accounts exceeded the minimum. If the terms of my account have changed since we opened a several months ago, I do n't recall notification of it.
Product: Checking or savings account

On XX/XX/XXXX around XXXX I was going to make a purchase and checked my bank account beforehand to notice a drastic difference from what it should be. After investigation I saw XXXX unauthorized transactions from XX/XX/XXXX, XXXX, and XXXX. I immediately called my bank ( Ally ) to inform them of these charges and file a dispute. The transactions were labeled XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not have my card information connected to a XXXX account and have not used that payment method to send funds to anyone in years. I am unsure how or who obtained my information but it was not authorized nor was it a payment made or sent by me or by an account owned by me or anyone I know. Ally has not yet returned the funds, pending an investigation, XXXX and XXXX have not responded to a request for a claim as of writing. It should not be legal or achievable for someone to obtain your card details and utilize them through a XXXX party service to steal money from victim 's checking accounts. This is a significant security threat.
Product: Consumer Loan

I applied for an auto loan when the 2016 model trucks came out from USAA Bank. Sent in all financial information and was not granted loan. Turned down flat. I believe it is due to my XXXX. Cleary there is enough cash flow in my personal tax returns when a skilled agent or licensed agent evaluates the available cash flow.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint pertains to XXXX and the Consumer Reporting Agencies ( CRAs ) Experian, XXXX, and XXXX. The issues involve a breach of fiduciary duty in a implied trust relationship, unauthorized practice of law, and failure to provide opt-out notices and disclosures for non-affiliated third parties. All these are in violation of the Privacy Act of 1974, the Trustee Indenture Act of 1939, the Gramm-Leach-Bliley Act, the Fair Credit Reporting Act, and other laws. 

Starting from around XX/XX/XXXX, XXXX, along with the above-mentioned CRAs, began reporting nonpublic personal information about me to non-affiliated third-party consumer reporting agencies without offering me a notice of the right to opt out. This has led to a negative impact on my credit score, which in turn has caused housing and credit denials, as well as lost entrepreneurial opportunities.

Specifically, the involved entities did not provide a clear and conspicuous disclosure that such information may be disclosed to third parties, nor did they give me the opportunity to direct that such information should not be disclosed, as required by the Gramm-Leach-Bliley Act and Title 15 USC 6802 ( b ) ( 1 ). 

In response, I issued a pre-arbitration demand notice on XX/XX/XXXX, to XXXX and the CRAs ( Experian, XXXX, and XXXX ). The notice clarified my position as the implied surety of a federally protected consumer in an implied trust relationship with their organizations. Despite this, my dispute has not been satisfactorily resolved. 

As a result of the unauthorized disclosure, I have suffered XXXX XXXX, XXXX, disruption to mental clarity, and opportunity loss, quantifiable at {$110000.00} USD. I am also claiming damages of {$1000.00} USD per monthly reporting instance per party for a reporting disclosure period of two months in violation of the Privacy Act of 1974. 

If my dispute is not resolved within 5 days from the notice date, I will proceed with arbitration. I request the CFPB 's intervention in this matter to rectify these violations and to ensure the protection of my rights as a consumer. 

I am eager to cooperate and provide further information as required. Please find attached the original complaint notice sent to XXXX and the CRAs for your reference.
Product: Checking or savings account

I have called and written to Capitol One more than once over a period of time asking them to cease mailing applications for unsolicited and preapproved credit cards to my home or in my name. I last called XXXX, spoke with and advised the customer service rep ( XXXX ) on XX/XX/2018 @ XXXX to please remove me from all future mailings or I would look into an Unsolicited Mail Fee in the amount of {$250.00}. I informed her that the name XXXX XXXX XXXX was not associated with this address and provided the control number ( XXXX ) from the application. She advised it would take a few weeks. Prior to this I attempted to mail a XXXX XXXX letter along with the application requesting to be remove but after much research could not find a mailing address. As of XX/XX/2018, I continue to receive these applications and have no other recourse but to contact your office for assistance with this matter. Thank you in advance for helping reach a resolution to stop this unsolicited credit card application.
Product: Credit reporting, credit repair services, or other personal consumer reports

Never applied for these accounts I.am writing this due to non-compliance with the Equifax. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a public record, Bankruptcy on my credit profile and that XXXX is obtaining that information from a third party data furnisher, LexisNexis. 

I contacted LexisNexis and disputed this information and then sent me a copy of my Consumer report which stated : After a reinvestigation of the data in question, LexisNexis was unable to verify the accuracy of bankruptcy case # XXXX within the required timeframe as outlined by the Fair Credit Reporting Act, and subsequently removed this record from your LexisNexis Risk View Report. 

I then sent my LexisNexis report to XXXX but they continue to report this public record stating that LexisNexis is continuing to provide this data and will not remove it from my credit profile.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account .This account is hurting my ability to obtain credit. Its my understanding that TransUnion will investigate this account for me to ensure accuracy. Here Is the account I am asking you to verify as accurate : account name : XXXX : account number : XXXX
Product: Bank account or service

Regions bank in XXXX XXXX, LA. I have had a several different bank accounts and have had several problems with them. My account is now over - {$230.00} due to overdraft fees. My account was low so the bank took a {$8.00} monthly fee to my account that was already- {$4.00} over withdrew so Regions then took - {$36.00} for them overdraws on my account made by them. 2 days after my account being negative Regions then charged me a {$10.00} rewards fee. and charges me another {$36.00} overdraft fee. Now I have credit company from Regions calling me everyday after I had explain that Regions has made {$160.00} just in overdraft fees. Please help! This bank has been doing unfair business to thousands and now is going to farther ruin my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity and someone used my personal information without my consent to apply for credit at the following companies. The following inquiries need to deleted and removed from my Equifax credit report immediately or legal actions will be taken against your company : 1. XXXX XXXX XXXX XX/XX/2021 2. XXXX XXXX XXXX XXXX XX/XX/2021 3. XXXX XXXX XX/XX/2021 4. XXXX XXXX XXXX XX/XX/2021 5. XXXX XXXX XXXX XXXX XX/XX/2021 6. XXXX XX/XX/2021 7. XXXX GDM XX/XX/2021 I have attached a copy of my police report stating to remove these fraudulent inquiries immediately.
Product: Mortgage

I have been making by-weekly payments to my mortgage company, BSI Financial Services , for a while now, maybe like a year, but recently noticed on my monthly statement that they do not apply my first payment amount at all until they receive the second payment. I called them today, XX/XX/2023, and they confirmed that they " hold '' my first by-weekly payment until my second payment is received, which I don't think it's right. I was hoping to save on interest of my loan amount by reducing it making more frequent payments.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXXXXXX. The information listed below, which appears on my credit report, is the result of that XXXXXXXX 

Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

Due to unforseen business problems associated with the downturn in XXXX, I lost a business where I had personal guarantees that caused me to seek personal Bankruptcy in late XXXX through XXXX. At the time I owned XXXX homes with mortgages with XXXX different financial institutions. XXXX I lost through the bankruptcy, but the other I kept which is the XXXX I am writing about. As part of the process, I went through the HAMP ( Home Affordable Modification Program ) which resulted in a loan modification. The trial period was completed in XXXX and a loan modification was completed. I have made all payments fully and on time since the trial period began and continuing with a loan modification through today - additionally earning " pay for performance '' incentives from the program each month eligible. 

A large part of rebuilding my credit is the new history of on-time payments. As such it is important that all of my credit history be available. My mortgage holder refuses to acknowledge and report my mortgage performance to the credit bureaus, citing my bankruptcy as the reason they do not have to report it. They indicated that I did not " reconfirm '' in the Bankruptcy proceedings that I intended to keep the mortgage, although I acknowledged in my initial filing that it was my intent, went through the HAMP program during the Bankruptcy, signed new mortgage modification paperwork, and have made all payments on time since completing the trial period to qualify. Additionally, since they will not report anything, my old mortgage shows on my credit reports as in Bankruptcy without showing resolution. 

The Bank was not asked, nor did they offer, to reduce the principle amount owed on the loan. While the interest rate on the loan is less than the previous amount on the original mortgage, they will be whole once the note is paid off. 

I previously contacted the Bank on more than XXXX occasion, seeking to have payment information reported to the credit agencies. The farthest I have gotten was being referred to the Bankruptcy department where I was told that since I have not " reconfirmed '' my intent during the Bankruptcy they were under no obligation to report my information. My only option was to reopen my Bankruptcy ( at my cost ) to reconfirm the mortgage. 

While others did suffer because of my Bankruptcy, as well as me personally, this particular institution did not. The whole intent of Bankruptcy is to help people get out of overwhelming debt and get back on the right track to financial independence. I am working very hard to resurrect my credit rating which for many years was in the high XXXX. But that is made difficult by the fact that the Bank will not report my credit information. I can not accept that this Bank has the right to hold back such information since I have a modified loan in good standing.
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including loansIappliedfor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I'm a victim of XXXX XXXX. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to be remove from any affiliation with me immediately. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$160.00} XXXX XXXXXXXX XXXX Owed : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$36000.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX  XXXX Balance Owed : {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I emailed self inc about paying my credit card to XXXX balance last month. I reach out to the company three times why they have not reported anything to credit report. They never gave me direct answer. And I showed them proof and they still have not reported nothing since XXXX of 2021. It is now XXXX of 2021.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF XXXX XXXX AFTER FINALLY GAINING BACK ACCESS TO MY PERSONAL INFORMATION I NOTICED A SLEW OF ACCOUNTS THAT I NEVER CONSENTED TO BEING OPENED NOR HAVE I UTILIZED. I WAS ABLE GET SOME ASSISTANCE WITH VIEWING ALL MY CONSUMER REPORTS AND CONTACTING THE CREDIT REPORTING AGENCIES. 
CONTINUING TO FURNISH THESE FRAUDULENT ACCOUNTS TO MY CREDIT REPORT IS IN VIOLATION OF BOTH 15 USC 1681 C-2 AND 15 USC 1681 C-3.

EACH REPORTING AGENCY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY AND DUE TO THE UNFORTUNATE EVENTS, THESE ACCOUNTS WERE SUBJECT TO REMOVAL WITHIN 4 BUSINESS DAYS.

AS I HAVE GOTTEN BACK ON MY FEET, THESE ACCOUNTS ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN NEW LINES OF CREDIT FOR MYSELF. MY CONSUMER LAWS ARE BEING VIOLATION WITH THESE FRAUDULENT ACCOUNTS BEING REPORTED. 

I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.
Product: Debt collection

I am redoing my complaint because the company is referencing incorrect dates on complaint : XXXX which was closed after companys response. 

Here is my original complaint : Received letter XX/XX/XXXX sent letter and they received debt validation letter XX/XX/XXXX. They contacted me XX/XX/XXXX at XXXX requesting payment. They are supposed to stop collecting until they send the debt validation. They reached out to me and family members. I called at XXXX XXXX and they would not let me speak kept talking over me I told them I would verify my personal information and they kept asking me is this for the XXXX XXXX account. I gave him my name my birthdate and asked him what else he wanted and he kept asking me if this was the XXXX XXXX account. 

This company is saying that they received my account on XX/XX/XXXX when per the attached they clearly sent me a letter on XX/XX/XXXX. They contacted me after receiving my letter. They received my letter on XX/XX/XXXX per the USPS tracking, screenshot attached as well, and they did not pick it up until XX/XX/XXXX at XXXX XXXX It is not my problem if they choose to pick up their parcels a week after they receive it. So the controller is claiming that they received my letter XX/XX/XXXX which would have been after the 30 days but they got it on XX/XX/XXXX again per USPS tracking info. On top of that they are stating that they sent me an itemized letter with the original letter. Per attachment they did not. THEY VIOLATED MY RIGHTS AS A CONSUMER PER THE FDCPA!!!! They should not just be able to do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my consumer report I received dated XX/XX/XXXXXXXX  and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you XXXX XXXX, or XXXX XXXX such authority. Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted XXXX XXXX and XXXX XXXX and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME : 1. XXXX XXXX, XXXX listed late payments 2. XXXX  XXXX, XX/XX/XXXX listed late payment
Product: Checking or savings account

XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ I have asked for these ridiculously overpriced overdraft fees to removed and the dates of the purchase were not posted properly, causing the overdraft fees. Wells Fargo denied.