23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My loan was sold from XXXX XXXX after I applied for a loan modification to SLS XXXX XXXX. I was told by a phone call to XXXX XXXX that nothing would change with my loan. Attached you will find the letter that was sent by XXXX XXXX where in paragraph # 2 states " rest assured, this transfer does not affect any terms or conditions of your mortgage other than those directly related to the servicing of your loan, SUCH AS WHERE YOU SEND YOUR PAYMENTS. '' XX/XX/XXXX I checked online ( my account is paperless ) and I noticed there was a different amount than what I was told. I further saw fees being assessed in the amount of {$25.00}. I called and I was told that SLS charges {$25.00} every time someone checks your account for the balance. I asked if I could refute these charges and that XXXX XXXX never charged those fees and I was told my loan would not change when it was switched. I was advised that I could send a letter to refute the charges. 
I sent and faxed a letter XX/XX/XXXX ( letter attached that was sent ). XX/XX/XXXX I was sent a letter stating a correspondence was sent to the wrong place. I sent it again to the new address. 
I have never received a response. I called XX/XX/XXXX and requested a call back. Noone ever called back I called XX/XX/XXXX and they advised me my request was denied. I checked the website and there is no denial letter in my documents nor did I receive one via mail. 
I now received a letter that someone has been assigned to my account due to being behind. I am not behind and I am current. SLS should not be able to charge me due to XXXX XXXX did not charge me. I would also like my due date changed back to the date it was with XXXX XXXX. 
1. XXXX XXXX said there would be no changes 2. the due date is the XXXX  now and was the XXXX with XXXX XXXX 3 . I would like all fees removed XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
4. They have refused to modify my loan, take a short payoff, or refinance. I offered them the amount of the loan I purchased it for in XXXX and they refused. Document attached showing they denied the short pay off.
Product: Payday loan, title loan, or personal loan

XX/XX/20 called to obtain my payoff balance, so that I can pay off my loan. This is important as we are working a financial plan due to my XXXX diagnosis and treatment, and loss of job. BMO Harris requested information in order to verify me that they never collected at the time of the loan ( cell phone ). I gave the land line we used for our loan application, and while it matched their records, it was not a mobile number, therefore I couldnt be verified. I was left on hold for an hour while security questions were gathered to verify me as the loan owner. I was asked a series of questions about which streets were closer to my lake home than others. I of course have ZERO idea what street names are near us, let alone those in towns over an hour away. I am seriously concerned that this is how verification works? Really? I was told since I couldnt answer those questions, the bank was refusing to provide my loan balance so I can pay it off. I was instructed to go to a local branch, however, I am undergoing XXXX and cant leave the house right now. XXXX told me ( supervisor I was escalated to ) that I would have to visit the branch, pay for a notarized ID before anyone would provide my payoff balance. So ... from what street is closest to your lake home to NOTARIZED IN PERSON? Seriously flawed system.
Product: Credit reporting, credit repair services, or other personal consumer reports

Factual Data excessively ran unexplained and unprompted credit inquiries from XXXX to XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score dropped 24 points and the reason supplied was that my credit card usage increased. I filed a dispute on XX/XX/20 to dispute that my usage increased because every month the statement balance has been {$0.00}. My credit limit increased but not the usage which means my score should have increased. On XX/XX/20 I see that Transunion actually removed the account completely which made my score drop again.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 : Attempted to find out why 'Hard Inquiries ' continue to be displayed on all of my Credit reports without my permission. Results are affecting my credit scores and remaining on my credit report for 2 years etc... I have pursued help to repair my credit records, and yet companies continue to conduct Hard Inquiries without my permission. Requesting for actions to STOP.
Product: Bank account or service

On XXXX XXXX, 2016 a pending transaction came through my account in the amount of {$700.00} which put me in a negative status. So while this transaction was pending at XXXX XXXX XXXX XXXX, 2016 a deposit came through which put my account to a positive balance. So the {$700.00} transaction posted on XXXX XXXX, 2016 which still left me with a positive balance. But they charge me a NSF fee, but I still had a positive balance but I was also confused. So I called the bank to see why I was charged a NSF fee when the deposit came in before the {$700.00} transaction posted. They said that it was because I did n't have the money in my account at the time that it pending transaction posted. Again I was confused and I thought that this was unfair because my deposit came through before the {$700.00} transaction posted. So I 'm really not sure what to do at this point. Now I have to pay the bank {$36.00} and then pay my rent office {$130.00} that I do not have. The way they have my transaction posted now is not how they had it on XXXX XXXX, 2016. I also called the bank on XXXX XXXX, 2016 and I asked them about the {$36.00} fee because the {$700.00} transaction had already posted. He kept saying that because of the way my transaction came through that 's why I was charged a {$36.00} fee. Again I still did n't understand.I explained to The bank that what I see they should see. But they said that 's not how it works although we see that everything 's all right on the account that is not how they see it on their end. I do n't think that 's fair at all because it seems like that 's how they make their money by charging fees when clearly it was n't necessary. When I spoke to someone on XXXX XXXX they said that my account was OK and that the {$700.00} ACH debit transaction was paid. So that means on XXXX XXXX, 2016 everything was fine except for the {$36.00} fee. But then I wake up on XXXX XXXX, 2016 and I see something totally different on my account. They 've already return the check to the my rent office and now I have to pay all these extra fees. This really upsets me and I do n't want to do business with someone who makes their money by charging fees.. So from this day forward I will be gathering up all my information so that I can change banks immediately. The whole process should take about a month but it 's got to be done.
Product: Student loan

I was enrolled in an auto-pay program with Navient. The information made available to me was that the payment program could be cancelled by me at will. I cancelled the auto-pay on XXXX XXXX, XXXX, before the scheduled payment on XXXX XXXX, XXXX ( because I had closed the associated bank account. At the same time I made a one-time payment to cover the current bill ). Navient tried to withdraw the scheduled payment anyway, and has now charged me a fee of {$1.00} as a result of their error. I spoke to a supervisor named XXXX ( he refused to give a last name ) at XXXX XXXX PST on XXXX/XXXX/XXXX to correct this error, but he refused to take responsibility. Although my auto-pay program was said to be at will ( even in a document dated XXXX/XXXX/XXXX ), he said that Navient required 10 days notice to cancel the payment. I require my money back.
Product: Debt collection

RS Clark and Associates are erroneously attempting to collect an inaccurate charge for services rendered by XXXX XXXX. RS Clark and Associates are attempting to collect a debt on {$110.00}. The amount they are attempting to collect fails to include the credit balance that is evidence on the statement showing {$19.00} that RS Clark and Associates forwarded to me in attempt to validate the debt. RS Clark and Associates also have failed to include the amounts that I have been sending to XXXX XXXX all along as payment on the debt. They are reporting every month to the 3 credit bureaus that I continuously owe XXXX when I do not. I have attempted to dispute this account to no avail. 

RS Clark has erroneously reported that I became delinquent and has re-aged my default date by one ( 1 ) year in half and has failed to update all of the payments sent to XXXX XXXX. Re-aging of default date ( s ) is a common tactic debt collectors use in order to make it appear as if they can continue to collect on a debt legally
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letter i. mail but no answer back I checked a few things with a consumer advocate see a ton of errors so i reached out but nothing. No proof of showing these accounts are accurate. I feel i been violated in these areas below. See my supporting documents for more on this. They did not do any proper investigation based on 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associate of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 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. According to : 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. 

Thank you for your time and efforts.
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 confidentially under 15 USC 1681. 

Account XXXX Bank XXXX XXXX acct number XXXX XXXX XXXX acct number XXXX XXXX XXXX acct number XXXX XXXX XXXX ( XXXX ) acct number XXXX Original Creditor acct number XXXX All accounts have violated my rights 15 U.S.C. 1681 section 602 A States I have the right to privacy 15 U.S.C. 1681 section 602 A Section 2 it also states a consumer 's reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make my consumer report containing other than records of convictions of crimes
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a dispute with Experian prior to this dispute. I'm giving them another chance to resolve this matter before I file a dispute seeking damages in Federal Court.
Product: Debt collection

I request a thorough debt validation from XXXX XXXX after explaining to them that I paid XXXX XXXX the full amount and do not owe any debt. They did not send me any debt validation. From the attachment you will be able to review what was sent. They show XXXX line item of what they claim I owe, but they are unable to show my past charges and my pas payments that I made on the account. I also wanted the paper work that I signed at the office and they were unable to provide this. 

On the attachment from XXXX XXXX it shows a line item from XX/XX/2023, with a total due of {$85.00}. I have attached a bank statement from a payment that I made in their office on the day of my final office visit where I made a payment of {$340.00} on XX/XX/2023. This is a payment that came out automatically from my debit card. 

This is the main reason I wanted to get all of my past charges and payments from XXXX XXXX and XXXX XXXX before moving forward. I believe based on how it looks that they are double charging and have done so multiple times in the past. It looks as if they charged my insurance, then charged me, but did not put my payments in the books at all. This would be fraudulent. I would appreciate if they can send me an itemized list of all of my past payment history so I can audit and make sure everything lines up with my insurance and bank statements. 

To conclude what they sent me is not a debt validation, and you can review this from the attached document. I would like the original documents from XXXX XXXX so I can audit and verify the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 Credit Bureaus after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE item on my personal profile, I noticed that there was a incorrect payment history in this Account XXXX XXXX XXXX XXXXXXXX XXXX Late Dates : XX/XX/XXXX, XX/XX/XXXX, XXXX on my credit report which are misleading to me. I sent a letter to the XXXX credit bureaus XX/XX/XXXX. I believe they have failed to authenticate these account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX and hoping that this XXXX XXXX XXXXXXXX XXXX Late Dates : XX/XX/XXXX, XX/XX/XXXX, XXXX days late will be removed.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX is a FRAUD And needs to be prosecuted!!!!!! 

I will follow up everyday until upon prosecution of XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX you crooks will be held accountable!!! Facts!!!! 

State Attorney General is currently on notice of XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX deceptive business practices !!!!
Product: Mortgage

During the purchase of a home I was initially quoted in writing from the loan officer ( XXXX XXXX ) at DHI a loan estimate which has changed several times now. Each time the numbers changed and did not make sense to me. I consulted with the Mortgage processor XXXX, who is the person in charge of my file and is responsible for gathering all the final documents for the underwriters review. I asked her if she could perhaps explain the substantially large increase on my file in XXXX 's absence as XXXX told me I can go to XXXX while she is out of the office for any questions. XXXX also was confused about the increase on the loan estimate dated XX/XX/2023. The only extra charge she understood and was able to explain was an extra {$500.00} dollars that I am being charged extra because the property I am trying to purchase appraised lower than expected and I have to pay the difference. XXXX said she would let XXXX 's boss XXXX XXXX XXXX know about the situation and she would get back to me regarding all other extra charges. When I spoke with XXXX and I questioned an additional {$8800.00} XXXX payment charge appearing on my loan estimate she could not give me an answer and said she would have to get back with me. I then asked for help from my realtor XXXX, he and I asked to speak with the Loan officer manageXXXX ( XXXX ) once again and while on a conference call on XX/XX/2023 she admitted that her loan officer ( XXXX XXXX ) had made several mistakes on my loan estimate. These mistakes include Property taxes errors for improved land versus unimproved land. This large sum difference was added to my down payment line item. When I asked XXXX about the additional XXXX she said this was a glitch in their system. I asked her why if she knew about the glitch, why it was not fixed and she could not answer. She seemed puzzled with my question. At this point I felt that I am deliberately being confused by this Representative. It feels like a bait and switch scheme when she talks about the numbers. I am now extremely concerned because I was expecting to close on the home on XX/XX/2023 and with that in mind I paid down payments on movers and made many arrangements to move. All of this insecurity has me very nervous and can cause me to lose a lot of money as I am purchasing this new home to accommodate my XXXX mom that lives with me and as I explained to the loan officer originally I need this home as it is handicap accessible and it will help me assist my moms deeds. As you can imagine the lack of transparency in this process is very concerning to me and I am reaching out for help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here is further information for Transunion. I found the FRCA Stature which they are not abiding to. 

XXXX XXXX
Product: Credit card or prepaid card

Missed credit card payment in XXXX, and XX/XX/2019, with XXXX XXXX Credit card through Bank of America. The balance was {$26.00}. 

I had the impression that my credit card was on autopay just like my wifes. She set up both of our cards for autopay at the same time. She followed the credit card companys online instructions. Apparently its an issue for a lot of people cause there were a lot of people asking how to set that up on their forum. Her card was successfully set up and have been paid every month so She assumed that mine was too. Shes the one in charge of bills in our household. I honestly didnt know that my cars wasnt set up for autopay like the rest of my other credit cards until my card got canceled. There are articles that tell consumers how tricky it is to setup credit card autopay with BOA. 

She had called BOA and explained the situation and I tired to reapply for another credit card. Giving our high credit history and never missed any credit card payments, BOA rejected to reinstate the credit card and my credit is affected. It feels like BOA intentionally make their autopay system not transparent so they can charge late fees and interests for missed payment. Please advise what we can do to restore my credit and reinstate my credit card.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 

XXXX v. XXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 
XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I consumer received a letter from consumer reporting agency Equifax stating that my personal information is at risk due to them having a data breach. However, this breach happened but I was notified late when it became public due to the massive complaints that were being made by other consumers. I was instructed by the information Equifax provided to check if my information was jeopardized and I was affected by this breach below I will submit proof. This breach has affected me and my defamation of character. Your company falsely reported information that resulted in defamation of my character. Further, you created a deceptive form that made creditors and employers believe that I was in debt, though you could not prove its validity. If the debts were valid, you created a false impression that I was not able to pay the alleged debts.
Product: Mortgage

After a separation of 2 years, without being on my mortgaged property, it was ordered in a divorce that my ex-spouse had 2 years to obtain credit and take over the mortgage for the property that I had financed. It was also ordered that if at any point, she was more than 60 days past due, I would retain ownership and responsibility for the property. After multiple court proceedings for her contempt, the property was finally awarded back to me on XX/XX/2016. The mortgage was originally with XXXX, during the court proceedings the mortgage was sold to Seterus, a collection firm. On XX/XX/2016, I paid {$4200.00} to Seterus to make the mortgage account payments current and up to date and made every payment on time from that point until the house was purchased in XXXX. The house was sold on a VA loan. I contacted Seterus in XXXX and informed them of the sale. Seterus assured me that although the closing was set for XX/XX/XXXX, I did not have to make any further payment on the loan. I was concerned that this would negatively affect my credit score. The Seterus representative assured me that I had a certain amount of days before that would happen. I was under that amount of days. On XX/XX/2016 I made a final payment of {$190.00} to Seterus, the payoff difference. On XX/XX/2016, I received a check from Seterus for {$310.00} for over payment. In XX/XX/2016 I received a letter from Seterus, it stated that I was past due on the loan. I called Seterus once again to dispute. Their representitive confirmed that the house was sold and their were no late payments. After explaining I was trying to repair my credit. I requested to have their auditors update their report to the credit agencies. It is now XXXX it shows paid, but now showing I have late payments.