23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My wife and I were diagnosed with XXXX XXXX XXXX. 
Early XXXX my wife was diagnosed with XXXX XXXX XXXX XXXX. Later in XXXX I was diagnosed with XXXX XXXX, XXXX Score XXXX 'Aggressive ' XXXX XXXX. My wife began XXXX XX/XX/XXXX. I had a XXXX XXXX XX/XX/XXXX. During my recovery I suffered XXXX XXXX XXXX. Before being released from hospital for that diagnosis I suffered a massive XXXX. Needless to say, our income for XXXX and XXXX were lower than normal. My wife ended XXXX XX/XX/XXXX. I was released from physical therapy XX/XX/XXXX. 

In XX/XX/XXXX, I made a request to obtain a conventional mortgage from BMO/Harris but was advised by BMO/Harris to renew my HELOC. I attempted to do so, however, our income was deemed too low as we are both XXXX-XXXX. We defaulted XX/XX/XXXX and continued to make regularly scheduled payments. We applied for Equity Line Reset Program XX/XX/XXXX. We were denied XX/XX/XXXX. Our account was turned over to BMO Loss Mitigation XX/XX/XXXX. 
We have never missed any payments. We have no auto loans or recurring credit card debt. 
We were placed in Forbearance while I attempted to secure a mortgage from other lenders. I was told by BMO/Harris that I would need approximately {$800.00} per month more in income to be approved. I requested an IRS approved monthly XXXX distribution from an IRA I own which paid over {$900.00} per month. We were placed in a second Forbearance and ultimately denied a reset to our HELOC. We had not missed any Forbearance payments. 
I found a portfolio lender that approved us for a higher interest rate mortgage and received a professional appraisal valuing our home at {$320000.00}. I wrote BMO/Harris requesting an extension so we would be able to close on this new loan. The extension was denied and Harris placed us to collections and filed with the court for Foreclosure. I was advised by Harris collections to stop making further payments on the HELOC. 
The new mortgage was then denied and Foreclosure is now pending. 



Documentation available upon request.
Product: Credit reporting

Pretty simple, really. Just like many, many others, when visiting annualcreditreport.com and requesting all XXXX credit reports, I received only XXXX ( XXXX ), and the others ( XXXX and XXXX ) both reported " errors. '' How can we trust these agencies with our financial information if they ca n't even follow the law and provide annual free credit reports without having to resort to mailing documents and such. They clearly are intentionally mishandling the requests for free reports, and make it difficult to obtain them - unless of course you want to pay for it. 

It 's despicable. Sad, really. Pathetic, even.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including three bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX XXXX {$2600.00} BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries that have appeared on my credit report following a data breach in which my personal information was compromised. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the accounts and inquiries listed below be immediately removed.

Fraudulent Accounts 1. XXXX XXXX  Account ID : XXXXXXXX XXXX Date Opened : XXXXXXXX XXXX Amount : {$0.00} XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Account ID : XXXXXXXX XXXX  Date Opened : XXXX o Amount : {$4800.00} XXXX. XXXX XXXX XXXX XXXX Account ID : XXXXXXXX XXXX Date Opened : XXXX o Amount : {$7100.00} XXXX. XXXXXXXX XXXX  XXXX Account ID : XXXXXXXX XXXX  Date Opened : XXXXXXXX XXXX  Amount : {$0.00} XXXX. XXXX XXXX XXXX XXXX Account ID : XXXXXXXX XXXX  Date Opened : XXXXXXXX XXXX Amount : {$1800.00} XXXX. XXXX XXXX XXXXXXXX XXXX Account ID : XXXXXXXX XXXX Date Opened : XXXX XXXX  Amount : {$2500.00} XXXX. XXXX XXXX XXXXXXXX XXXX  Account ID : XXXXXXXX XXXX  Date Opened : XXXXXXXX XXXX Amount : {$2900.00} XXXX. XXXX XXXX XXXXXXXX XXXX  Account ID : XXXXXXXX XXXX  Date Opened : XXXXXXXX XXXX Amount : {$9700.00} XXXX. XXXX XXXX XXXX XXXX  Account ID : XXXXXXXX XXXX Date Opened : XXXX XXXX Amount : {$11000.00} Fraudulent Inquiries 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I was extended a line of credit to use at XXXX and made a second purchase on XX/XX/XXXX. I purchased XXXX XXXX Mens XXXX XXXX XXXX for {$57.00}. The product was never delivered to me. Either it was stolen or lost in delivery. I notified the company that I never received the item and they refused to send a replacement or refund the cost of the item. Because XXXX would not rectify the problem, I never paid off the credit for the product I never received. The product continued to collect interest and XXXX denied taking action in the matter. Now there is a negative item on my credit score for the cost of the item plus the accrued interest, {$150.00}. I reached out to XXXX in XXXX and, again, they refused to address the issue and said the debt needed to be paid. I do not think this is right and feel that is account is incorrect give the context of the original reason for nonpayment. If a package is lost in transport, it is the company 's responsibility to rectify the problem.
Product: Credit reporting or other personal consumer reports

I am a preferred member with XXXX  XXXX XXXX and have banked with them for a long time. There are two late payments reported in XXXX. I sent in the payments on time. I am not sure why they have them reported as late payments. I tried to resolve with a banker and no one was able to help. Please help resolve this matter as soon as possible as it is effecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  credit bureau is practicing Deceptive practices. I have provided three written requests to ask for six ( 6 ) different inquiries be removed from my credit report I DiD Not Authorize. XXXX  CONTINUES TO  REPORT THESE INQUIRES. I was affected by XXXX  data breach in XXXX as well as two other breaches. My credit file and personal information was compromised. I informed XXXX  as recently as XX/XX/XXXX to remove the following Inquiries. One company ran my file 3 times on the same day. I did not authorize this. Also XXXX  is lowering my score with each credit dispute. 
XXXX XXXX - Date of Inquiries : XX/XX/XXXX XXXX XXXX- Date of Inquiries : XX/XX/XXXX XX/XX/XXXX XXXX XXXX - Date of Inquiry : XX/XX/XXXX XXXX  XXXX - Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX - Date of Inquiry : XX/XX/XXXX XXXX XXXX - Date of Inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

These inquiries do not belong to me, and I have no ties to the specified creditors.
Product: Credit reporting or other personal consumer reports

This Complaint is Being Filed Against Equifax credit reporting agency and XXXX  XXXX XXXX XXXX XXXX. According to the Fair Credit Reporting Act 15 USC 1681 section 602 it says " That it is of utmost importance that consumer reporting agencies carry out their responsibilities with honesty, clarity and respect for the consumers right to privacy. '' Equifax is a consumer reporting agency and I am the Consumer. I have the right to keep my personal information safe which is supported by 15 USC 6801 which says '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. The companies listed below are financial institutions by definition under that title. XXXX  XXXX XXXX. 15 USC 1681 section 604 a section 2 says that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. The company listed below and the Consumer reporting agency Equifax do not have my consent to furnish this information and neither do they have my written consent. Any and all consent to Equifax the companies listed below whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) says that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The companies listed below ( XXXX  XXXX XXXX, Equifax ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. I am now exercising my right to out of your reporting services.
Product: Credit reporting or other personal consumer reports

On numerous occasions, I have expressed to Equifax of their violations of 1681b. Their unsound practices have placed my family and I at risk of unsafe transactions. Equifax does not accurately represent the people if they are constantly furnishing inaccurate information without proof. Furthermore, I NEVER gave Equifax my wet ink, written instructions to furnish any information to my credit file which is a MAJOR violation of my federally protected rights. I plan to take the necessary action for each violation at {$1000.00} each. If this is not fixed in the next 30 days, I will file a suit and will follow up with an Invoice for Each Violation. 

Please remember the court cases **XXXX XXXX XXXX XXXX XXXX**, XXXX XXXX XXXX ( XXXX Cir. XXXX ), **XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) and **XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) underscores the obligation of the credit bureaus to ensure maximum possible accuracy of consumer information and maintain along with following reasonable procedures.
Product: Credit reporting

Experian is reporting a closed collection account on my credit file from XXXX, a collection agency from XXXX, NY, in the amount of {$1100.00} that should have been removed months ago. In XXXX of 2015, due to questionable delivery and notification of the debt and subsequent suit XXXX agreed to close the account and remove it from all XXXX of credit files. To date Experian has failed to remove the trade line. I have discussed this matter on several occasions with XXXX and they assure me that the trade line was coded for deletion and sent. They further say that the error is the fault of Experian. Experian is also making it difficult to dispute this item with them and have taken unreasonable steps to make my dispute even harder than it should be. Unlike the other big reporting agencies they denied my right to dispute the trade line by going on-line or faxing supporting documentation. They required a phone call, which I attempted to make at least a half dozen times only to be stonewalled by complicated phone menus and hold times in excess of twenty minutes. This is definitely an attempt to break the spirit of the federal collection dispute laws. This is unreasonable of them ; XXXX allow on-line or faxed disputes.
Product: Credit card or prepaid card

Barclay shows payment due amount, and when I make the payment, they use it to credit the month I already paid. This is not the first or second time they did this to me, this is done to take away my 9.99 % Fixed interest rate. The first time they did this, I didn't catch it until I saw they said I didn't make a payment last month, and raised my interest rate to some super high amount, and put me to a Variable rate instead of a Fixed rate I had. I contacted many Officials that couldn't help, but XXXX XXXX XXXX Office got involved and said if I pay the three months of payments I owed ( While I was arguing with Barclay ), they would put everything back as was. I immediately made the payments and all was good ( for one month ). After that month Barclay decided to XXXX up my interest rate again, and put me back on variable rate. I once again contacted XXXX XXXX XXXX   XXXX and the again got it straightened out. I had to watch online to see when a payment due amount is shown, before making a payment. Once again it had shown an amount due, so I made the payment, and once again they credit it for the prior month ( on purpose to remove my low interest rate? ). I called and asked them to change it for the correct month, and they said they couldn't, and I had to pay a second payment that month to correct it, or ask my bank to request the money back, witch could take more than 25 days. I had the same problem, and Barclay said they can't fix it. Barclay has no logical reason for doing this, and should be stopped. This time I have taken a screen shot before making the payment to prove what they are doing.
Product: Debt collection

This new complaint is related with complains XXXX from XX/XX/XXXX,  XXXX from XX/XX/XXXX and XXXX from XX/XX/XXXX. All of these belong to First Bank of Puerto Rico. 
As you review all of these complaints you can see First Bank of Puerto Rico didnt comply with the law because they only fixed this problem only with XXXX  y XXXX. They have been very negligent because in more than a year they haven't fixed the ERROR, I just find out they never fixed the same error with XXXX 
Late XX/XX/XXXX I disputed this old ERROR through XXXX  Web Site and the First Bank of Puerto Rico supposed review this error and they still insist that I owe some money which is ridiculously because they accepted / fixed the error with the 2 Bureau of Credit and left one unresolved. First Bank of Puerto Rico just updated on XX/XX/XXXX, XXXX this error without fixed. 
This problem is causing me that my Credit Score dropped almost 30 points. Please CFPB help this bank to be more responsible to comply with the law! 
Thank you very much!
Product: Student loan

I was forced into a loan situation using Peaks Loans instead of the XXXX loans i wanted to use while attending XXXX. I would like to get out of these loans but i can not get a loan to consolidate the payments at a lower rate than the 11 % i am being charged now. This company has alos reported that my loans were past due at times that they were n't and would randomly report that i was 90 days past due and then the next month state that i was current. This would bounce around like this for a while and i could not get anyone to discuss with me about the amounts and why they were the way they were.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a Cease Communication Request to Discover Bank under 15 U.S. Code 1692c of the Fair Debt Collection Practices Act ( FDCPA ). This request explicitly stated that Discover Bank should cease all communications with me regarding a debt of {$4800.00}. I took this action to stop any further contact from Discover Bank, as is my right under the FDCPA. 

However, despite my clear and legally supported request, Discover Bank failed to comply. On XX/XX/year>, I received a letter from Discover Bank that not only ignored my request but also attempted to continue the collection process. In this letter, Discover Bank stated that the account and balance are considered valid and invited me to contact them to discuss the outstanding balance. They also included a warning that making a payment or even promising to pay could reset the statute of limitations, which would allow them to file a lawsuit against me. 

This letter is concerning for several reasons. First, it directly contradicts my Cease Communication Request, which should have prevented any further contact from Discover Bank regarding this debt. Second, the letter appears to be a tactic to intimidate me into making a payment or acknowledging the debt, despite the fact that they are legally barred from taking further action due to the age of the account. The letter also indicated that Discover Bank is required to report the account to consumer reporting agencies as a disputed account until I advise them otherwise, which seems to be an attempt to pressure me into resolving the matter on their terms. 

The actions of Discover Bank constitute a clear violation of the FDCPA, as they have not only continued to communicate with me about the debt after my explicit request to cease communication, but they have also attempted to use misleading and intimidating tactics to coerce me into making a payment. This has caused unnecessary stress and confusion, as I believed that my rights under the FDCPA would be respected. 

I am filing this complaint to request that the Consumer Financial Protection Bureau ( CFPB ) investigate Discover Bank 's actions and take appropriate measures to ensure that they comply with the FDCPA. I also request that Discover Bank be instructed to cease all further communication with me regarding this debt and that any negative information they have reported to credit bureaus be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

on or about XXXX I disputed a XXXX XXXX account XXXX ... with Experian in XXXX Texas because the balance was inaccurate. They showed a balance of {$1000.00} which is incorrect, I have proof the balance is {$500.00}. ( see attached ). Their response was the account was verified as accurate, they referred to XXXX XXXX account number XXXX ... ( a different account ). 
I then re-disputed XXXX acct # XXXX ... I got the same response. 
I re-disputed a third time XXXX and was told the account was verified as accurate. 
It is my understanding if an account is reported and found inaccurate, it will be deleted. Furthermore they have failed to provide the method of verification as required under your Section 611 ( a ) ( 7 ) I have proof to the contrary. I submit the last statement of the account and a letter from XXXX
Product: Mortgage

On XX/XX/2022 my house was damaged by water. I submitted a claim to my insurance. My insurance paid me XXXX for the damage. I had to submit the check to Fairway Mortgage because that is who I have my mortgage with. They have been unresponsive, and have held my money for over 5 weeks. They put you on extended holds, and rarely answer the phone. I can not get them to release the {$240000.00} dollars. I call on a daily basis, and I can not get through to anybody who has any authority.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 o 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX we made a payment online to Macy 's. We have made payments this ways for many many years. No information or data or account numbers have changed. Macy 's stated they did not receive the payment and subsequently reported to my credit bureau that I was delinquent. We have contacted Macy 's numerous times and escalated the calls and sent emails at the executive level with no resolve. We have provided 3 different types of proof of payment to Macy 's including bank statements, proof of payment from XXXX bank and other bank documents. We are now trying to get a forth document at the request of Macy 's. This is over a {$50.00} payment that was not due until XX/XX/XXXX. Documentation shows that it arrived XX/XX/XXXX. Macy 's still contends after all of this proof that we did not pay and they refuse to update the credit or the account.
Product: Credit card or prepaid card

1 ) with Amex : I placed an online order with XXXX XXXX XXXX on XX/XX/2023 for a computer monitor, {$430.00}. A few days later, the shipping number showed package was delivered BUT I didnt see my package in my mailroom/any surrounding areas. I contacted the merchant and XXXX said since shipping company showed delivered they can not do anything. Then I called my bank, Amex, to dispute this payment. However Bank said because Merchant told Amex the shipping number showed delivered Amex can not help and Amex has to close this dispute. 

2 ) our building has stolen packages all the time because we dont have front desk person. But it doesnt mean customers should pay $ $ $ for nothing. Need this money back!!!
Product: Checking or savings account

I have spoken to three managers at Bank of America regarding the XXXX dollar fee that I have been getting on my savings account since XXXX. Due to extremely low interest I did not care about my savings account, i've had it set to send XXXX dollars from checking to savings since i was XXXX. I could have easily had XXXX in there to avoid the fee if I had even known about it. I called in and spoke to a manager named XXXX, he was only able to credit me XXXX dollars out of the well over XXXX I've received in fees for the past two years. I requested the matter to be escalated to the next manager. He was the worst banking professional I've ever spoken to. His name was XXXX, ID # XXXX. He was condescending, talked over me, very unpleasant tone. I've been a customer with Bank of America since XXXX. It's absolutely silly to me that they wouldn't give me back my request of XXXX dollars. This is the amount I could see that was taken from me since XXXX of XXXX. The fees started in XXXX, however so there could be more that I don't even see. I had only requested the XXXX. They didn't care - They basically told me to be grateful for this amount. Closing my account after the dust settles ... They just would not budge with this.
Product: Debt collection

Checked my credit report and have a collection on there from LVNV Funding. I think I might of sent them a email, but not positive at all. I want to have a correspondence from this company since they are reporting negatively on my credit reports. I would also like them to send me VALIDATION of this said debt and a original contract bearing my signature would be best.