23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I 'm writting a complaint againts Bank of America N.A. for foreclosing on my house for 5 years at XXXX XXXX XXXX XXXX. XXXX, Wa XXXX. I XXXX XXXX and XXXX XXXX purchased the house in XX/XX/XXXX. It was our home we both paid bills until XXXX XXXX got sick and laid off I was still paying all the bills. XXXX XXXX gifted the house in XX/XX/XXXXand did a quick deed of trust.When she left me in XX/XX/XXXX I was still paying the bills. She even wrote a letter and we got it nortarized. When she gifted me the house, she told me there was only XXXX XXXXeft owed to the bank. I was going to sale the house. Me and my realtor called the bank to see how much is owed on the house the full amount they keep telling me XXXX and I do n't have authorization. So me and my realtor priced the house for XXXX. We had a buyer but when we found out that it was more than 82,000 and I would n't be getting anything back for me and my family. So me and my baby mama tried to modify the house with an housing authority agent we gave them both our information. My baby mama just got a good job they told us everything looks good and it should go through but the bank stopped the process because we were n't on the loan. When I spoke to XXXX XXXX she told me she talked to the bank and signed an authorization form and I have authorize to the account of the house it was hard for me to get a hold of XXXX XXXX because my baby mama and her do n't get along at all so when I Spokane to XXXX XXXX again the bank called her about the modification that 's when she modified the house and it went through but my baby mama disagreed with it because XXXX XXXX  does n't live here we do, so she did n't help me pay any of the bills. After the modification the house went back into foreclosure. I was trying everything I can to save my home for me and my family. The bank still foreclosed on the house without solving the problem. The propriety is in my name and the account is XXXX XXXX name how can the bank foreclose on the house without consulting me I 'm on the deed of trust. I 'm suing the bank for almost giving me a XXXX, in and out of the hospital, XXXX, XXXX, and causing my family leaving. I ' m on SSA and been sick for awhile but I 'm trying to get better to go back to work to support my family. All I 'm asking for is help me buy another house or grant me a house otherwords gifted or grant me the money I was going to sale the house for XXXX, owed to the bank is XXXX that leaves XXXX that should of been my money for me and my family to get a new place. We are staying with my sister and her big family but we need our own space. Everything that 's been said and written that 's the honest truth and I can prove it in court. I ca n't afford a lawyer if they can grant me a good lawyer to represent my case.
Product: Debt collection

Collection account on my credit report.

Company asked if I needed help while dealing with Covid and then tripled my payments and charged my account off. 
Continental finance LL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard Inquiry from XXXX XXXX  On XX/XX/2021 2021
Product: Credit reporting

I have disputed these medical bills they are fraudulent I have full coverage medical insurance from XXXX and before that my job gave me insurance .I have asked this company XXXX to give to me the original signed documents also i have ask the credit companies transunion for my signature on these documents, they have had months to show me the original documents they have not done it.I have this right. Or they need to take these off my credit report .this is a scam collection agency account resolution services they never provide original signed documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

So XXXX and TransUnion are ignoring what you send to them now they changed account to a different I sent them as well as you documents proof this is paid .now XXXX transunion is causing me harm and damage and you aren't gon na do anything about well I'm going to the news attorney general and I have notified the same company that investigated credit concepts.its like your allowing these agencies to harm people .I 'm going to expose all three agency.since you are not helping and they are acting like they fixing things .the IRS has been notified and will be contacting all parties involved.transunion rep hung up on me when I asked for the everything on file application who they spoke to how they verified.so now I have to government enforcement involved.im done with these agency they keep discarding my certified mail. And if your not gon na help I will take this matter in to my hands .I have interview with the news and will present everything as to agencies all 3 and credit concepts.im getting discriminated because of fraudulent buissnness and fraudulent agencies.your affectingy life and my kids .and I had enough.so I will help the protection bureau since their not helping Getting this resolved I sent you legal IRS documents .and credit concepts has no proof of payment for loan. These agency won't provide their proof I have phone recordings of them saying they don't have to and email they sent all three they received police report and they refuse to block information.yall had a year now .cause this affecting my kids. Their gon na be criminally punished.fineds not enough .and their ignoring my invoices well I sent everything to IRS since they accepted the discharge. And all this has been filed on record
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
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
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I requested the credit bureau to investigate the inaccuracies in this account, XXXX  # XXXX to ensure accuracy. On XX/XX/year>, the credit bureau sent their investigation results stating the account was verified and updated. This can't be correct as the LAST PAYMENT MADE date remains incorrect. And The FCRA prohibits inaccurate or misleading reporting under FCRA 605 ( a ) ( 15 U.S.C. 1681c ) A charge-off may only be reported for 7 years from the date of first delinquency. Multiple listings may create an unfair extension of negative reporting. Under The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, the credit bureau must provide the names and business addresses of everyone with whom you verified the information. Please send me an updated copy of my credit report after your re-investigation.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized hard inquiries on my credit report. Under the Fair Credit Reporting Act ( FCRA ), only entities with a permissible purpose and my explicit consent are authorized to access my credit information. Unauthorized inquiries can negatively impact my credit score and may indicate potential identity theft. 

The inquiries in question are : XXXXXX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXX I did not authorize these inquiries, nor have I had any prior business relationships with these entities that would justify such actions. According to the FCRA, specifically 15 U.S.C. 1681b, access to a consumers credit report is permissible only under certain conditions, none of which apply in this case. 

I request that you : 1. Investigate these unauthorized inquiries.

2. Remove them from my credit report if they are found to be unauthorized.

3. Provide written confirmation of the removal.

Enclosed are copies of my credit report highlighting the disputed inquiries, along with identification documents to verify my identity.

Please address this matter promptly, as the FCRA mandates a response within 30 days. Failure to comply may result in legal action to enforce my rights under federal law. 

Thank you for your immediate attention to this urgent matter. 

Sincerely, XXXX XXXX
Product: Debt collection

My name is XXXX XXXX. Dob:XX/XX/XXXX, Last four of SSN : XXXX. I am writing to report that a lawsuit has been filed for BMW 's violations of California Credit Reporting Act. They have not responded back or even notify that they are aware of the process. 

If BMW want 's this lawsuit dismissed, the late payment needs to be removed from my credit report on the account # XXXX. 

Attached is the suit copy.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my TRANSUNION Consumer report, and I noticed some late payments posted on my consumer report. 
XXXX  XXXX XXXX Account # XXXX for the months of XXXX XXXX XXXX # XXXX for the months of XXXX XXXX XXXX # XXXX for the months of XXXX XXXX XXXX XXXX XXXX # XXXX for the months of XXXX your consumer reporting agency is illegally reporting late payments on my consumer report which is a clear violation of the Law. 
15 U.S. Code 1681a ( 2 ) ( a ) ( i ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report your agency is also in violation of 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 : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave you permission to are written instructions to furnish. Late payments are anything on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just looked at my consumer reports and noticed some items I would like to dispute. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly says. I did not provide written consent to report the accounts. Please investigate and provide proof that I authorized the reporting of this information. If proof can not be provided I demand these payments to be updated to on time as they should be as I was NEVER late or DELETED, as specified in my notice.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I was unable to get credit file of social security number signature due from XXXX interference with user input. My legal name is XXXX letters long that stands for something, and the XXXX put an illegal name that stands for nothing before customer 's birth-given name that denies customer access to perfect credit file issued with customers account name.
Product: Credit card or prepaid card

My Best Buy Account was opened XX/XX/XXXX. I received the first paper statement, and attempted to create an online account to view my balance and make my payments. XX/XX/XXXX - I had problems creating the account online. I chatted with Online Support who told me to open a different browser. I then called Customer Service who said the same thing. After going through a very convoluted process, the account was setup. XX/XX/XXXX - I was not able to login to my account again AND their website kept taking me in circles between two screens. I called Customer Service, spoke with XXXX, and make my payment through them. They were not able to help me login to their credit card site. I asked XXXX to enable paper statements so that I would know my balance and payment information. XX/XX/XXXX - I received a payment reminder with my balance and minimum amount due. No paper statement was received as requested. My attempt to login to the site was unsuccessful, I did not have time to call Customer Service again. XX/XX/XXXX - I am within 4 days of my payment date and tried to login to the site to make my payment. Login failed, I received a message to call Customer Service. I called Customer Service, after going through their very long automated system, I was connected to XXXX who listened to my complaint and put me back into the automated phone system. I then spoke with XXXX who had me change my password, but I could still not login to the site. When I asked her what to do next, she said wait 1 - 2 hours. she told me I was luck to have gotten to the point where I could change my password. others were not so lucky. I still can not login, I have not yet made my payment. Total time on the phone 20 minutes, 8 seconds without a resolution.
Product: Checking or savings account

On XX/XX/23 I filed my second dispute with MoneyLion. The first took place in XXXX. My account was accessed my a hacker and used to withdraw money out on two separate occasions. The first time the dispute was resolved and I was happy with the resolution. The transactions were only about {$300.00}. This time on XX/XX/23 the dispute was for roughly {$2600.00}. The same thing happened this time it went on for almost a month. New external accounts were added to the account and money was moved around to people I have no contact with and never met. I filed a dispute with MoneyLion. During the dispute it took us an hour just to get into the account because my credentials to log in were changed. We went through like twenty transactions, they were all in California. I live in XXXX  and have never been to California. Today I received resolution to my dispute basically saying they see nothing wrong with my account. Leaving me with a balance of {$2600.00} to pay them. MoneyLion is now requesting that I provide more details so that they can deny my dispute again.
Product: Credit card

XX/XX/year> I applied for a BEST BUY ( Citibank ) credit card and was denied and was sent a fraudulent adverse action letter with misrepresentation and discriminate language from BEST BUY CITIBANK credit card, I do have capacity to contract for my principal affairs which this credit is indeed for according to the federal reserve act section 16 my application is the collateral for the amount applied for and due to the principle. With knowing my contractual obligations they considered my application and did not provide value, I believe it was a unilateral contract benefitting discovery and no value has been given whilst they still obtain my property my application and my collateral social security number my intellectual property so I called to retract my application they said theyll look into it and insist that this transaction is based on a consumer report obtained without my permission AND A INVASION of my privacy without my consent has truly damaged my principal
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The accounts I have listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account name : XXXX  XXXX Account number : XXXX Amount : {$690.00} Account name : XXXX  Account number : XXXX Amount : {$8800.00} Account name : XXXX XXXX XXXX Account number : XXXX Amount : {$610.00} 15 U.S.C 1681 Section 602 A ; states that I have the right to privacy. 
15 U.S.C 1681 Section 604 A ( 2 ) ; it also states a consumer reporting agency can not furnish an account without the written instructions of the consumer to whom it relates.

15 U.S.C 1681c Section 605 ( A ) ( 5 ) ; states no consumer reporting agency may make any consumer report containing any of the following items of information ( Accounts placed for collection or charged to profit and loss which antedate the report by more than XXXX years. 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 ) ( XXXX ) ; 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. 

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint regarding persistent inaccuracies on my credit report that have not been rectified despite my diligent efforts to address them. 

Over the past XXXX and a half years, I have made multiple attempts to contact both my creditors and the credit bureaus to dispute and request the removal of erroneous items from my credit report. Regrettably, these efforts have been met with limited success, as the discrepancies persist on my credit report, negatively impacting my financial standing and creditworthiness. 

As a conscientious consumer, I have taken all necessary steps to adhere to the protocols outlined by the Fair Credit Reporting Act ( FCRA ) in addressing these inaccuracies. Despite providing supporting documentation and following the proper procedures for dispute resolution, the unresolved items continue to tarnish my credit profile, impeding my ability to access essential financial services and opportunities. 

I am deeply concerned about the lasting repercussions of these inaccuracies on my financial well-being and overall creditworthiness. I am reaching out to seek your intervention and assistance in facilitating a prompt and thorough investigation into this matter to ensure that my credit report accurately reflects my credit history. 

I kindly request that the Consumer Financial Protection Bureau investigate this issue and work towards a resolution that upholds the integrity of the credit reporting system and safeguards the rights of consumers like myself. Your prompt attention to this matter is greatly appreciated, and I am hopeful that through your intervention, we can achieve a fair and equitable resolution to this ongoing dispute.
Product: Credit card

I made a purchase in XXXX 2015 at Kay Jewelers using my Kay 's credit card. They typically have promotions on large purchases so I asked about the promotions that were available to me for this large purchase. The manager advised that they had the regular 12 months with 0 % interest putting 20 % and they had the 24 month term at 2.09 %. I accepted the 24 month term since 2.09 % is a low rate. The manager agreed that the 24 month was better at a " low rate of 2.09 % '' and even better, I did n't have to make my first payment until XX/XX/XXXX. I asked if I had to give a down payment as I usually do and he said it was n't necessary. When XX/XX/XXXX came around, I logged into my account to check how much the payment was so that I can send the payment. The website said the minimum payment was {$290.00} so I proceeded to send the payment. I have made 4 payments since then but this last time, I was curious as to why my balance was {$5000.00} if my initial purchase was {$5800.00} and I had made {$1200.00} in payments. I logged in online and looked at my last time and to my surprise I was being charged over {$100.00} in interest each month. I quickly called customer service for clarification. The representative verified that I was on the standard 24 month term " at a low 24.99 % ''. I told her that I was told 2.09 % and she quickly responded that it IS 2.09 % a month. I told her that I felt deceived when I was told 2.09 % because interest rates on credit cards are supposed to be disclosed as APR. She said there was nothing they could do. She advised that they could make an exception and if I was willing to put the 20 % down they would give me 0 % and what was left if I were to have done the 12 month term to begin with and that my monthly payment would go up to over {$500.00}. I feel as though they deceived me into thinking that the 2.09 % was the annual rate so I would be comfortable with the payments on a larger purchase than what I initially wanted to make. Had they disclosed the rate properly as 24.99 % APR I would have been able to make a more appropriate decision or made a smaller purchase that would appropriately fit my budget. Now, since I can no longer return the item, I either have to pay over {$2000.00} of interest over the 24 month term or switch to the 12 months and not only have to pay the 20 % which is {$1000.00} and have my monthly payments go over {$500.00}. I feel that their practices are unfair and deceptive to consumers and that they should correct this immediately. I do n't know who in the right mind would say that 24.99 % is a low rate. I believe that they should honor the 2.09 % as the APR since they deceitfully lead me to believe that they were quoting the APR as ALL lenders disclose credit card rates using APR.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX, XXXX XXXX  XXXX XXXX, The accounts do not reflect their accurate status..They aren't paid late they were paid on time..I do not authorize you or anyone to report not proven compliant information..I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is.
Product: Credit reporting or other personal consumer reports

Attached is a letter from XXXX stating that Im not responsible for the check that was written to XXXX for {$270.00} thats currently listed and showing on my Certegy Consumer Report. The check for {$270.00} that was written to XXXX thats currently listed and showing on my Certegy Consumer Report is a fraudulent transaction.
Product: Mortgage

Dual Tracking I am writing this complaint in hopes the CFPB will investigate Ditech and their DUAL Tracking procedures. I have been trying to work with Ditech for a few years to get my mortgage back in order and situated with my my mortgage payments. Each time I submit it has always been denied for various reasons including title issues and missing documents. 
My issues now are more recent as of my last conversation with a Ditech on XX/XX/XXXX Loss Mitigation Manager XXXX Id Ext XXXX, she informed me that my file is in with Underwriting for Decision but yet the sale date is still active for XX/XX/XXXX. I pointed out that this is Dual Tracking and that by law they are not allowed to do this and requested for the sale date to be postponed allowing me time to be properly reviewed for mortgage assistance. The rep XXXX stated that unless loss mitigation approves the loan workout my home would be lost in foreclosure. Also, this is an FHA loan and FHA also has strict guidelines on Dual Tracking, again I feel Ditech is performing Negligence on my home and is in clear violation of Till, Respa and HARBOR laws. Please help stop this sale date on my home.