23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XX/XX/XXXX SS XXXX I HAVE SOMES ADDRESSES ON MY CREDIT REPORT THAT ARE NOT MINE. SOMEONE WAS USING MY NAME AND INFO FOR ACCOUNT THAT DO NOT BELONG TO ME. PLEASE DELETE THE FOLLOWING ADRESSES : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section states I have the 602A right to privacy.

15 U.S.C 1681 section 604A section 2 it also states a consumer reporting agency can not furnish a account with out written instructions.
Product: Checking or savings account

I was issued the check XX/XX/2023 for the amount of XXXX from a XXXX XXXX bank which I deposited to my Bank of America account. There was a hold placed on the said check. For the following day, I deposited my paycheck from my regular work with the amount of XXXX XXXX  with this being a regular check that I have been depositing for the past eight months a hold was placed again on this check now reading through that my federal banking rules {$200.00} of that XXXX should be available in my account within one business day or two business days I already reached out to Bank of America in one of local bank near me. And also called the XXXX number that they provided me with hopes to get a clear at least on my regular paycheck as bills are getting due. But the agent i spoke with only recommended that i activate the overdraft in my account so that my bills would go thru. I asked them specifically if they would waive the fee if overdraft or for late payment fee as this isnt even fair for them to do this. For a person living paycheck to paycheck. I can not afford to pay late fees. Im really disappointed how bank of america handled my situation.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Mortgage

XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX, MN XXXX, XX/XX/2021 RE : Bank of America Home Loan Account Number XXXX Request : Extension of Mortgage Forbearance After XX/XX/2021 TO : Bank of America Home Loans XXXX CFPB Office of the Special Inspector General For Pandemic Recovery All, I have requested an extension on my mortgage forbearance expiring XX/XX/2021 three times now and have been refused. XX/XX/2021 will end an initial 6 month forbearance. I have an FHA loan. I have continued need for an additional 6 months forbearance due to ongoing financial challenges resulting from the Covid-19 Pandemic. Per Bank of America published criteria on asking for forbearance, a mortgage customer may ask for additional forbearance within 3 months of the expiration of the initial due date. My request for forbearance has been repeatedly denied. 
Also, I have NO PENDING LITIGATION around my Bank of America home loan mortgage. I do not have an attorney representing me for any litigation involving my mortgage or forbearance. This is the reason when XXXX ( Bank of Americas legal representation ) responds to my many CFPB complaints, there are not any other entities included in their response. I have explained this numerous times to BofA customer support who refuses to speak with me due to a flag on my account stating I have pending litigation. I have also sent BofA numerous faxes and letters stating the same.

My mortgage was included in my Chapter XXXX bankruptcy stay, however, the bky was discharged and BofA asked for a Relief of Automatic Stay, so BofA is well aware I no longer have any legal representation around my Chapter XXXX claim. 
As a 4th request : Bank of America, please extend my mortgage forbearance for an added 6 months as I am allowed by the CARES ACT. 

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

15 U.S. Code 168c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft, no later than XXXX business days after the date of receipt. On XX/XX/2022 I sent out a dispute letter about inquiries pertaining to identity theft reporting on my Equifax report. I still haven't received a response or update about the situation.
Product: Credit card or prepaid card

Received my new card old card was lost.. 
They will not Activate new card but want make payments still?? Card is not over the limit!!! Seems like a SCAM To me!! So untill they ACTIVATE I will no longer make payments on account that I can't Used!! 
My Indigo card is the name of card
Product: Debt collection

This letter is sent in response to a letter I received on XX/XX/year>. I am requesting that you provide verification of this debt. 

Please send the following information : The name and address of the original creditor, the account number, and the amount owed. 
Verification that there is a valid basis for claiming I am required to pay the current amount owed.

Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 
Whether this debt is within the statute of limitations and how that was determined. 
Please also forward details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the name, address, and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. 

Sincerely, XXXX XXXX
Product: Credit card

I sent a certified letter to Bank of America ( BofA ) disputing a late fee and finance charges and detailing why I was blameless. I complied with the billing rights and included the required information ; name, account number, dollar amount, date, and an explanation. BofA 's response was a form letter refusing to service my request because my letter did not bear a cursive signature. I sent a 2nd certified letter stating that since I had cpmplied perfectly with the billing rights requirements, they had no legitimate reason for not addressing my dispute. BofA 's response was a 2nd identical refusal letter. I spoke with one of your representatives who verified that there was no requirement that a letter bear a cursive signature. She would/could not send me an email verifying this but told me that I had a valid complaint and should go through the complaint process. I also filed a detailed complaint through the Bureau of Consumer Protection and BofA 's response was to send copies of the 2 rejection form letters, a copy of the " unpaid balance '' statement, and another page " parroting '' their billing practices, They never addressed ANY of the issues that I raised in my letters, clearly showing that they were still refusing to service any complaints that did not bear a cursive signature, ( If you require copies of documents, I will have to create XXXX  and send them later. )
Product: Credit reporting or other personal consumer reports

The Consumer Financial Protection Bureau ( CFPB ) sued Experian on XX/XX/year>, because Experian failed to properly investigate consumer disputes. 

Account Name : XXXX XXXX XXXX XXXX  Account BALANCE : {$440.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is both identfied wrong on my credit file it should br XXXX XXXX not XXXX the correct listing is XXXX XXXX and amount owed is wrong i owe XXXX not {$85000.00} they have listed so me missing payments are somebody fault there not mine do what you have to thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act these companies has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy. 

15 U.S.C 1681 section 604 A section 2 : it states a consumer reporting agency can not furnish a account without my written instructions. 

Unauthorized use On XX/XX/XXXX by XXXX XXXX XXXX, I do not recognize this inquiry. 

Unauthorized use on XX/XX/XXXX by XXXX XXXX, I do not recognize this inquiry. 

Unauthorized use on XX/XX/XXXX by XXXX XXXX XXXX, I do not recognize this inquiry. 

Unauthorized use on XX/XX/XXXX by XXXX, I do not recognize this inquiry. 

Unauthorized use on XX/XX/XXXX by XXXX, I do not recognize this inquiry. 

Unauthorized use on XX/XX/XXXX by XXXX XXXX # XXXX XXXX, I do not recognize this inquiry. 

Unauthorized use on XX/XX/XXXX by XXXX XXXX XXXX, I do not recognize this inquiry. 

Unauthorized use on XX/XX/XXXX by XXXX XXXX XXXX, I dont recognize this inquiry. 

Unauthorized use on XX/XX/XXXX by XXXX XXXX , I do not recognize this inquiry.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX SSN : XXXX XX/XX/year> To Whom It May Concern : I sent a request for an investigation under FRA 611 ( a ) to you in reference to the following account ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THIS IS MY XXXX NOTICE REGARDING THESE FRAUDULENT ACCOUNTS You all have failed to reinvestigate these fraudulent accounts as you or required too I am hurt and confused to see I received a letter advising that you " VERIFIED '' the information. I am curious as to how you verified this information and would like to receive physical documentation to support this erroneous information on my report. Ive been a victim of identity theft so there is no way you were able to verify anything. FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Your company has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I intend to litigate if this information is not DELETED from my report. Please do not " update '' or " verify this information again without doing a due diligence investigation. I am requesting to be provided with the written contract & physical documentation to support the information that is being reported on my credit report via USPS mail. Screenshots will not suffice. Send my actual signature on a contract. As this debt is Not mine. I am asking for this verification because my credit score is important to me, and after learning of my identity being compromised I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do no send me a template letter in response to this request. I am in the process of planning a legal case, so I will need specific answers to the specific questions asked of you in this letter. I have faith that your establishment will do the right thing and truly investigate this matter and if you do not have proof the debt is valid which you will not because of identity theft then please DELETE the information. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the items in question permanently expunged from my record. 

Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

Seedfi is the most ominous company Ive ever worked with and I wish I had read the reviews before committing to a loan with them. I signed up for something like a credit builder loan. Every single due date, which is twice a month, theyve charged me more than once. I had to repeatedly reach out to them to get the to push payments forward, refund multiple payments, and finally cancel my autopay. This last time, they took two payments out for my due date and told me theyd move the second payment forward so I wouldnt owe money at the beginning of XXXX. StillC they withdrew a payment from my account. It took them an unreal amount of time tor refund this second payment to me and I had them cancel my auto payment because I couldnt trust them to accurately manage my account without my supervision. Finally, I received an email at more than half of my last payment was going towards fees with no description of what those fees were, and the remainder was going towards interest. I emailed them on XX/XX/XXXX asking what fees I was paying and no one has ever gotten back to me despite me following up more than 3 times. At this point, I feel like they are practicing unfair and deceptive business practices and Id like nothing more than to pay exactly what Ive borrowed back immediately and nothing less. They are still holding XXXX  of dollars of money they essentially owe to me as part of this credit building loan and I have little faith Ill ever actually see that money.
Product: Debt collection

I have been attempting to get his cleared away since XX/XX/2023 and XXXX has been the only credit reporting agency in compliance. This has harmed my credit and caused other damages in my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C. 1681 section 602 A. States that I have a right to privacy 15 U.S.C. 1681 section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions. This agency is stating that I owe a debt and has placed a collection on my file that was in fact for someone else. I would like this removed immediately. The credit bureau nor XXXX XXXX XXXX has provided proof of me ever having an account with them.
Product: Credit reporting or other personal consumer reports

Ive spoken to Santander. They explain to me they will not remove old debit. From 10 or more years ago. This is effecting me buying a new car for my wife and kids. There holding up me updating my Credit Report. There holding my account hostage. I can't update address cause they refuse to let me change my address. I don't live at that address. That address is from XXXX ago. 
Ive spoken on the phone with XXXX. Plenty of times. They Refuse to update my address because of Santander.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind it would be impossible to be late on an account of a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 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

My account with Experianwas never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Mortgage

I over paid my primary mortgage insurance on loan # XXXX as a first time home buyer. My former last name was XXXX. I finance my mortgage loan with HSBC ( XXXX  XXXX aka XXXX  ) formally known as beneficial. Ive paid primary mortgage insurance from XXXX to XXXX. While my loan was in foreclosure with their loss mitigation dept. due to loss of income, I inquired if I could pull money out of the primary mortgage insurance escrow account. I was informed that there was no money available. It is my understanding that primary mortgage insurance should only be paid for XXXX  years instead of 11 years. Had the money been refunded I couldve use the difference to offset the bad debt. My house was significantly under appraised by a court appointed XXXX. As a result, I lost money on that transaction as well. I was cheated out of money due back to me. I would like to file a formal complaint against them!
Product: Mortgage

My wife and I have been involved in a suit against Ocwen for the third time, along with an illegal foreclosure, they have also, been crediting our account late in nearly every instance up to over 30 days late, never receiving a statement as to how they posted the checks, and playing with the numbers on our escrow. We continued to pay on the mortgage until they returned our check and would not accept any payments till the shortage was satisfied. The payments were in excess of what Ocwen originally set at the previous closing which we knew was not enough to fulfill the escrow requirements. Ocwen also would n't let us make payments on line, so when we discovered the payments going out of our checking late, we started sending them certified return receipt. Both first and second mortgage payments were mailed together. The list goes on and on! We are hoping that you can intervene and assist our attorney in settling this matter which has thus far cost us in way excess of {$30000.00}. They have kept us completely in the dark as to our mortgage, and has kept our property in hawk for the last 9 years. We have had mortgages all our life and have never been treated like this! We currently have a lawyer trying to settle this, but it seems like it just keeps going on and on. 
Note that our attorney has a telephone conference with them and a Judge to resolve this however they are not offering nearly enough in compensation, and we have applied for a new mortgage in order to rid ourselves of dealing with OCWEN. The time line is very close the telephone conference is on the XX/XX/XXXX and the bank is waiting on the finial appraisal. 
XXXX and XXXX XXXX
Product: Money transfer, virtual currency, or money service

I purchased a bag from someone called XXXX XXXX XXXX ( XXXX ) who scammed me and sent me a weighted ball instead of the item I purchased. She has stated that she is issuing me a refund but is now unresponsive. I have contacted my bank, Chase, disputing the charge but the bank has said they will do nothing about it. I sent the amount of {$1300.00} via XXXX on XX/XX/2021. I've contacted the seller, Chase bank, XXXX and the FTC between XX/XX/XXXX and today, XX/XX/XXXX. 

I have documented evidence via multiple text messages from herself and some other person who claims she accidentally received my package and sent me photos. I have an email request from her bank, which is also Chase, where she has notated that she is issuing me a refund. However, she is no longer responding to messages or calls.