23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was in the middle of XXXX loan servicing awaiting decision for a loan modification and the loan was sold to Selene financial. The escrow payment increased over {$400.00} putting me into a greater default position. I have been trying to get out of this ARM loan for the past 12 yeears. Denied due process for a modification because I wanted only outside inspection of my home. Selene Finance sent Default letter before 120 days and started foreclosure proceedings.
Product: Credit reporting or other personal consumer reports

Dear [ transunion, XXXX ], I am writing to dispute the presence of [ XXXX XXXX XXXXXXXX XXXX  ] on my credit report. According to the Fair Credit Reporting Act, I have the right to request that any inaccurate or incomplete information be removed from my credit report. 

After reviewing my credit report, I have noticed that [ XXXX XXXX XXXX XXXX  ] is listed as [ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ]. However, this account is not accurate as I have never had an account with [ XXXX XXXXXXXX XXXX XXXX  ]. 

I am requesting that this account be deleted from my credit report as soon as possible. I have attached a copy of my identification and any other relevant documents to support my claim. 

Please investigate this matter and provide me with a written response within 30 days as per the guidelines of the Fair Credit Reporting Act. I appreciate your prompt attention to this matter and look forward to a resolution. 

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

On XX/XX/2024, I wrote to you asking that you look into some things that I thought were fraudulent, wrong, or reporting lies. Up to this point, the only answer I've gotten was a computer-generated letter telling me that you have stopped looking into my credit reports because you think I used a credit repair service. I think this is not only a way for you to hold off responding to my original request for another 30 days, but it is also a clear violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : LATE PAYMENT XXXX XXXX XX/XX/XXXX {$3100.00} Credit Card XXXX XXXX XX/XX/XXXX {$0.00} Charge account XXXX XXXX XXXX XX/XX/XXXX {$2800.00} Credit Card XXXX XXXX XX/XX/XXXX {$480.00} Credit Card XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$20000.00} Auto Loan COLLECTION/CHARGE ACCOUNT XXXX XXXX XXXX XX/XX/XXXX {$1500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$680.00} Individual XXXX XXXX XXXX XXXXXX/XX/XXXX {$1200.00} Credit Card XXXX XXXX XXXXXX/XX/XXXX {$1000.00} Credit Card XXXX XXXX XX/XX/XXXX {$1300.00} Credit Card XXXX XXXX XXXXXXXX XX/XX/XXXX {$2100.00} Credit Card XXXX XXXX XXXX XX/XX/XXXX {$6800.00} Credit Card Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I purchased items from XXXX on XX/XX/XXXX. Items were returned on XX/XX/XXXX. Items were picked up by XXXX XXXX  shipping. Items have not been refunded as of XX/XX/XXXX. I contacted XXXX multiple times through chat about my refund over the course of a month. Eventually, my account was blocked from using chat. I then used their site to have XXXX call me in regard to my order. I called twice, XX/XX/XXXX and XX/XX/XXXX. Both times I was told my refund would be issued in 3-5 business days. I have not received my refund despite me returning all items in good condition. Seller is holding my refund hostage for an unknown reason. I then opened a dispute with Truist bank on XX/XX/XXXX. I provided documentation about the items and return. My dispute was closed on XX/XX/XXXX with claims that the items have already been refunded which is a lie. My XXXX account also shows these items as " return started - your refund will be processed when we receive your item '' which proves there has been no refund. I called Truist today and the customer service rep was unhelpful and stated the dispute decision was final and that I should call XXXX again about my refund. This is unacceptable. I have given definite proof that I have not been refunded and my own bank is denying my claim.
Product: Mortgage

They made foreclosure date is on XXXX. 
They told me that Reapply Request Mortgage Assistance Program. 
So we reapplied. 
They never requested of documents. 
So I called 4times on this month. 
Every agents told me different story. 
They waiting until on XXXX. 
Sent all of documents. 
I called on this morning but They loss mitigation option denied again. 
We told them, we can approve of Job, paystubs. 

But they are never contacted with us, they don't give us retention Chance. 
We couldn't never contacted Relationship manager. 
And lie to me.
Product: Debt collection

Bank of America has been holding my payments and posting them late. 
I send all my payments certified and check to see when they were received, Although they received my payments in time they have been holding them and posting them after the due date. 
They also have been charging me a extremely high late fee, The fee jumped from {$35.00} to {$150.00}. with no notification. 
My Account number is # XXXX. 
I have all my Certified copies and the dates that BOA received them.
Product: Debt collection

On XX/XX/2023 I filed an Identity Theft Affidavit with the Federal trade Commission for illegal reporting from the credit reporting agencies. 15 U.S. Code 1681c-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 resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN INSTRUCTIONS to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Debt collection

As stated on XX/XX/2022 per complaint number XXXX Midland Credit Management contacted me saying they will Cease and desist contacting me. But on XX/XX/2022 They sent yet another threatening letter. They are frightening me. I lost hours at my job I'm a XXXX mom of XXXX this is causing stress that they are not following laws set forth by congress or by your CFPB v Encore lawsuit.
Product: Checking or savings account

On XX/XX/year> I opened a checking account with First Tech Federal Credit Union. One of the things that enticed me into opening the account was a {$300.00} signup bonus. I took 2 screenshots of the terms on their website at the time. I followed the terms which included depositing {$1000.00} in payroll. After a few months I reached out as to why the bonus hadn't been paid. They started a case ( XXXX ) to look into the matter, but on XXXX a customer support person called and said they have denied the bonus. The reason isn't really a reason. They say my wages from XXXX and XXXX ( I am a professional driver ) do not count as payroll payments, despite the payments being made via well known payroll companies. No where in their terms did they say this type of freelance work would not count toward the DD requirement. I have banked at plenty of other banks where these payments did clear a bonus, so how could I have known XXXX XXXX alone in the industry would deny those wages as being considered wages. I feel I was bait and switched. They tricked me into signing up for their product with no intention of honoring the terms.
Product: Mortgage

I applied for a loan modification from M & T Bank. I used XXXX XXXX XXXX XXXX in XXXX XXXX. I was approved by the agency after filling out form & submitting information for a PHFA/HEMAP modification. It was sent to M & T bank on XX/XX/year> from XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I posses copies of the actual filing. The bank claims they have never received this application under my name. When the bank received this application they processed it under my ex husbands name, his address & his credit information. This I have been told is a SEC violation, Federal Identify Misuse & a DOJ violation. My ex received the notification of the application of XXXX his address & name. He cancelled the application, the denial of the application is in his name & address. I did show a copy of the letter to the bank manager where the loan was originally started. The problem with this is that we dont have anything to do with each other, his name is not on the original loan, the deed, the will or any other legal paperwork. My & T wont find my application under his name. I have files of paperwork from a court hearing with M & T denying this. I have lost my home due to the fraud of M & at bank. I can not access the paperwork sent to my ex due to the fact that it is in his name & address not mine. Together we did use the bank M & T bought out for 3 other mortgages. It is the responsibility to disclose this mistake, not mine. Proof of the application has been submitted & ignored by the bank. I have lost my house to the bank in foreclosure. What they did is federal crimes.
Product: Credit card

I have a Credit Card Account with Care Credit/Synchrony Bank. I opened the account XX/XX/2014 to get dental work done. In opening the account, payments were supposed to be received on the XXXX of each month. I set up recurring, automatic payments through my bank. These payments were deducted in XXXX increments to pay a minimum of {$100.00} per month- at times I paid more. After speaking to a Care Credit representative, I was unaware that the payments being sent needed to be sent during the " cycles '' - which at times, varied based on the month. It was a challenge even understanding their representative explain this concept. At any rate, I was being charged late fees of {$35.00} each month they " received my payment late '', but I was still sending my payments every two weeks- just out of the " cycle rhythm. '' I did n't realize how excessive these fees became until reviewing my XX/XX/XXXX statement. They totaled over {$200.00}. I called to try to resolve this issue with the disappointing response of " well there 's nothing we can do since it was your error '', or " we can refund XXXX of the late fees, but the others we ca n't do anything about. '' I could understand this response if I 'd not been making any payments, but it was a simple mistake on my part of not understanding the cycle and sending payments a day or two late. I could n't believe that a company as large as Synchrony would n't allow for flexibility with customers such as myself. I feel taken advantage of and vulnerable- when even the representative had a hard time explaining the " cycle ''. They did refund XXXX of the late fees, but {$35.00} did n't come anywhere close to what I 've been charged. I 'm extremely disappointed because I would not have even applied for this card if I did n't " have '' to get some dental work done that was out of my budget. I 'm trying to pay them as promised, but the late fees I feel are unfair and hard earned money that they do not deserve. However you can help to resolve this issue, I 'd greatly appreciate it.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, regarding their failure to properly investigate and correct inaccurate information on my credit report. Despite my repeated disputes, XXXX has either failed to conduct a reasonable investigation or has continued to report incorrect information, damaging my creditworthiness.
Product: Student loan

i received a loan from the XXXX XXXX XXXX XXXX that was not giving to me. 
i never used any of the money personaly.
Product: Bank account or service

I was trying to close my BB & T checking account but was unable to do so because there was no way to contact customer service. All phone numbers led to an automated system where I can not talk to someone to close my account.
Product: Checking or savings account

I have used Merrill Lynch and Bank of America for over 35 years. XXXX weeks ago I went to transfer a large sum of money from checking to my Merrill Lunch XXXX account and ny accident I transferred the money in to my XXXX XXXX and it is showing a prepaid balance. 

I have called several times, they will not put the money back where it came from and it is a very large sum of money. 

{$640000.00} If I try to transfer it, it says it is over my limit and it will start to charge my cash advance fees.
Product: Credit reporting

TransUnion, XXXX, and XXXX are reporting a judgement on my credit reports from the XXXX district court. This judgement is inaccurate and should be deleted from my credit reports. Please site me the law that requires credit reporting agencies to add this to my report. I did not request to have it added nor did the bank. There is no legitimate reason for this judgement to appear on my credit reports. I feel like I 'm being treated unfairly and abused by these credit agencies because they are severely damaging my chances of finding employment. I have been denied credit, bank accounts, housing, and employment because of this superfluous account on my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian reports credit inquiries. Scores based on the number of credit inquiries is really absurd and companies using this score ( based on number of inquiries ) refuse credit but then the number of inquiries goes up by another one. 
Making it harder to get credit from another company. 

Example : My XXXX XX/XX/XXXX Credit Score was XXXX as reported by ( XXXX XXXX XXXX XXXX ) On XXXX XXXX I applied for XXXX XXXX  credit card. I was refused saying the number of credit inquiries is too high in the last 2 years and a Score ( FICO score XXXX ) of XXXX? 

* I have an annual salary greater than $ XXXX * NO liability * Only 2 credit cards ( all paid of monthly - no defaults ) The denial was shocking - to say the least. 

On checking the credit report : There were 6 inquiries in 2 years ( XXXX XX/XX/XXXX - XXXX XX/XX/XXXX ). One of them is by my Apartment Management. One by XXXX ( No loans taken - offered high-interest rate ), One by XXXX ( XX/XX/XXXX XXXX XXXX was denied ). Rest is 4 credit cards in XXXXyrs. 2 of them closed. 

Now that XXXX XXXX  has refused - it adds to another credit inquiry, so the next financial company will XXXX saying..you have 7 inquiries.

Should the number of inquiries form a part of the credit score?
Product: Debt collection

XXXX XXXX XXXX XXXX has opened a collection account for a bank of america account that is not mine in the amount of {$1000.00}. they have left messages saying a complaint has been filed by " someone '' and to call a number and have my ID info ready for the person that answers. i never called the number they stated and now this collection account for {$1000.00} is on my XXXX account. 
New Trade Account Creditor : * XXXX XXXX XXXX XXXX Creditor Type : Other Collection Agencies Account Number : XXXX Account Balance : {$1000.00} Account Past Due : -- Current Account Rating : Collection account Previous Account Rating : -- Portfolio Type : Open Account Creditor Remarks : Placed for XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently decided to pull my credit report since trying to purchase a home and hired a monitoring service. I noticed addresses on my credit report that are not mine. I asked for the information to be corrected. I was then sent a noticed that my requested was not my own. I sent them my photo Identification and proof of address via a bank statement. 
My letter stated that this information is incorrect and should not be attached to my profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  # XXXX Reporting late XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX and Experian XXXX late XX/XX/XXXX XXXX XXXX XXXX XXXX reporting late XX/XX/XXXX XXXX and Experian In Accordance with the Fair Reporting Act these creditors has violated my rights under U.S.C 1581 section 602 states I have a right to privacy 15 USC 1681 Section A ( 2 ) consumer reporting agencies can not report an account without my written instructions 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose. 
I have made at least 3 attempts to solve this issue before reporting to you XXXX and XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax and XXXX Credit Bureaus, a credit reporting agency that has reported negative and inaccurate accounts information on my credit report. The status of accounts appeared as inaccurate and fraudulent. I believe the accounts information are inaccurate, such as incorrect balance nor wrong account status. I have previously disputed these inaccuracies with the credit reporting agency or the creditor. With that, I am requesting that the credit reporting agency would promptly investigate and removed the inaccurate accountsand personal information on my credit report. Additionally, I request for the removal of negative items that are inaccurate or outdated. I believe that the inaccuracies and negative accounts information on my credit report are causing undue harm to my creditworthiness and financial well-being. I kindly request that the CFPB investigates this matter and takes the necessary steps to ensure the accuracy and fairness of my credit report. The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX - XXXX XXXX  XXXX Balance {$360.00} XXXX XXXX XXXX XXXX XXXX Balance {$3400.00} XXXX XXXX XXXX XXXX  Balance {$1100.00} XXXX, XXXX XXXX XXXX : {$48.00} XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX - XXXX XXXX XXXX XXXX Balance {$360.00}.
Product: Consumer Loan

I leased a vehicle from a local Chevy dealer in XXXX, TX in XXXX XXXX. I turned in the vehicle ( XXXX Chevy Traverse ) in XXXX XXXX after having made all my monthly payments on-time via eletronic funds transfer and closing out the lease having paid it out in full with the vehicle returned with no damage. GM Finance told me upon turn in that the automatic electronic funds withdrawal for the monthly payment would end automatically and no further action was required by me. In contradiction to this, GM Financial continued to deduct the $ 500 monthly payment for the next two months for a total of {$1000.00} in overpayment. As soon as i noticed the problem ( on or about XXXX XXXX, XXXX ), i called GM Financial, requested they immediately deactivate autopay and refund the {$1000.00} to my account. The call center rep informed me it would be about 4 weeks of processing time before I would receive the check. When in XX/XX/XXXX I had still not received a check, I called GM Financial to check on status. They then told me they were still in the process of verifying the vehicle status and it would be another XXXX weeks before they determined disposition. I called again in two weeks and was told they acknowledged the overpayment and would be mailing a check to me in about two weeks. Not having received a check by XX/XX/XXXX, I called again on or about XXXX XXXX. At this point I asked to speak with a supervisor who told me the check was being processed and would be mailed on XXXX XXXX via registered mail. I called again on XXXX XXXX not having received the check. GM Financial told me their system reported the check was cashed on XXXX XXXX, a check that i have never received. This fact should be readily in evidence at GM financial by checking their records to see who and where the check was cashed. The supervisor told me they would expedite resolution and keep me informed. I 've now called back three more times on XXXX XXXX and XXXX XXXX and no supervisor has provided any information
Product: Credit reporting, credit repair services, or other personal consumer reports

My attorney sent letters to all three agencies and none of them have responded. My credit score should not be as low as it is because using any algorithm with duplicated information is not going to be correct scoring process. I am discriminated in my housing and multiple things that use my credit score to make you qualify has caused me great hardship. I might even end up homeless because of their unfair practices of reviewing the credit reports timely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent two letters in well over 60 day and nothing