23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I filed a dispute with Chime for XXXX XXXX charges that I was being double charged for because I pay for the service through my mobile phone provider. I also saw a charge that wasn't even mine that I disputed associated with XXXX. I opened the dispute on XX/XX/XXXX and sent documents showing that I pay for the service through XXXX XXXX. Chime gave me a temporary credit of {$26.00} back in XXXX and the total was {$150.00}. Every time I call and check on the dispute I get the run around on the status updates and the representatives state the same thing " no resolution yet '' and I'm just going to have to wait until XX/XX/XXXX which is 2 days from now. Why must I wait when I provided proof?
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of inquiries and accounts was unknown and erroneous. The inquiries were pulled without my knowledge while the accounts ' information was marked incorrectly. Please be noted that I have sent out letters prior to this complaint to Experian and to the companies for them to investigate. However, there was no response from either of the parties and this is terribly causing my credit. Have these following items be corrected and removed accordingly. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX XX/XX/2021
Product: Money transfer, virtual currency, or money service

PayPal digital card that lets you use as a debit card. I also have my bank card linked to it. I was trying to buy something from XXXX XXXX  for around XXXX dollars with the PayPal digital card but instead it charged my debit card instead. I thought I would be paying over time but instead it charged my bank card all at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am challenging the validity of this alleged bankruptcy you have listed on my reports. I recently Challenged this same account with the credit reporting agencies and they came back stating that they have verified this account with Lexis Nexis. I have went to the courthouse, and they have also stated they did NOT verify this information. Please send me whatever documents of information you have personally used to verify this alleged bankruptcy, immediately. If you can not produce such documents this bankruptcy needs to be removed from my file as it is defaming my character. An please contacts all credit reporting agencies XXXX, XXXX and XXXX to have this bankruptcy remove immediately. The Congress has stated Pursuant to 15 U.S. Code 1681 ( 4 ) that there is a need to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. By you reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of this law and The Privacy Act of 1974
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX on XX/XX/XXXX and spoke its representative, XXXX, at telephone number XXXX. She reviewed the account stated that she would send me the loan information by mail including the promissory note. I informed her that I had submitted a CFPB complaint in XXXX and XXXX and had received responses from XXXX stipulating the loan was put on hold due to a bankruptcy lawsuit in XXXX. She mentioned that the loan was initially {$7000.00}. It has ballooned to {$18000.00} since it has been on hold in XXXX 's bankruptcy lawsuit by other plaintiffs. XXXX also mentioned that the forbearance interest grown within that 9 years should've been assessed based on the filing of bankruptcy by the borrower, and I have never filed for bankruptcy. 
XXXX has not explained why it put this account on hold for 9 years on a bankruptcy lawsuit hold and allowed it to grow in high forbearance interest. 

XXXX with XXXX on XX/XX/XXXX told me that she would send a credit retraction to the credit bureaus after collecting {$1200.00} from me to bring the account up-to-date -- after I had not been informed of when the account would be out of the bankruptcy lawsuit hold that XXXX placed the account in for 9 years. XXXX debited the {$1200.00} from my bank account but has apparently deleted the record from their system of XXXX 's planned credit retraction with the credit bureaus based on my conversation today with another XXXX representative. 

I have been getting the runaround from XXXX 's Customer Advocate, XXXX XXXX, XXXX. I have several email communications with her where she instructed me to call her at a given number, but upon my call, she was not listed in the XXXX system by the name she provided ; so the representative initially could not find her ; after several attempts by the XXXX rep, he was able to contact her, but she would not take my call on that day. She responded to my email stating she had technical problems but gave me a time and date she would be available to call me, but, again, she did not call me on the date and time she selected. I sent her another email about missing the appointed time/date ; she emailed me back and gave me the same story about technical problems. This has been going on for 2 weeks with XXXX XXXX avoiding my calls or blatantly and deceptively giving me the runaround. XXXX XXXX and XXXX are acting like they are above the law. And after being sued by multiple plaintiffs and after a XXXX state attorney generals lawsuit and settlement for predatory lending practices, XXXX continues to behave in a disreputable manner. XXXX through its representative, XXXX XXXX, are abusing their power as holder of this forbearance loan. They have not retracted the late status with the credit bureaus as promised after collecting a payment from me for {$1200.00}. I would like this published widely and for the record. The credit bureaus should do a credit retraction of XXXX 's late status on my credit report. XXXX should be held to account for this financial abuse and should not be allowed to punish people for filing a CFPB complaint against them.
Product: Mortgage

On XX/XX/2013, signed and accepted a Loan Modification Agreement ( FHA-HAMP Modification w/ Partial Claim ). The agreement we both signed did NOT explain or document that Bank of America would place a second deed of trust recorded on XX/XX/2013 ( Instrument # XXXX XXXX-XXXX ) in the amount of {$85000.00}. Note The Trial Modification documentation with our signatures agreeing to the terms were submitted during the eligibility phase, which Bank of America required multiple pre-signed notary acknowledgements. ( Please see California Notary Acknowledgement dated XX/XX/2013). We did not agree nor was made aware of this lien of {$85000.00} as part of the loan modification trial period or permanent modification, otherwise we would not have agreed to such an enormous amount of money. The financial documentation with our signatures agreeing to the terms of the trial modification were submitted during the eligibility phase, therefore not being forthcoming about the {$85000.00} lien trust upfront. Also, we provided multiple copies from a notary dated XX/XX/2013 that Bank of America used to complete the Modification Agreement. Hence appearing as though we were aware initially about the partial claim amount. There is definitely nothing noted in this Loan Modification Agreement dated XX/XX/2013 document that speaks to the amount of {$85000.00}. Please see Loan Modification Agreement, XX/XX/2013, # 4  ( 1 ) The FHAs subordinate lien will require a balloon payment when I pay off, sell, or refinance the Property, which may make these things more difficult to do. The FHAs subordinate lien may also make it more difficult to get additional subordinate lien financing.

Therefore, there was a breach of contract and Fraud on Bank of Americas part. 
To state a claim for breach of contract, a plaintiff must allege that ( 1 ) there was a valid contract ; ( 2 ) the defendant breached its duties under that agreement ; and ( 3 ) the breach caused the plaintiff damage. Guckenberger v. Boston Univ., 957 F. Supp. 306, 316 ( D. Mass. 1997 ) ( citations omitted ). A valid contract requires an offer, acceptance, and consideration. See Vadnais v. NSK Steering Sys. Am., Inc. , 675 F. Supp.2d 205, 207 ( D. Mass. 2009 ). 
We are requesting to be released from this fraudulent lien of {$85000.00} and this mortgage to be removed from all three credit bureaus.
Product: Debt collection

We were leasing in an Apartment for more than XXXX XXXX XXXX. When we decided to move to XXXX. I gave them a notice of 30 days period since on that last few months i did not re-new my contract so im just paying month to month basis. 
When we left we were charged {$1600.00} for the Balance they were claiming and i know for my self that I paid my dues. I tried to settle the debt without complaining since we and the people in the leasing office had a good relationship. Im trying to pay atleast {$100.00} per month and i lost my job. Now I have a new job and trying to find an apartment to settle. I can not get an apartment anywhere because what reflects in my Credit is EVICTION and I asked them wjhat is the break down of that amount then i discovered about a {$1000.00} bond that never was discussed to us + the Bal. of {$570.00} which I consider as remaining bIlls, that 's fine but {$1000.00} is something and i asked them to change the report as just a credit the leasing manager said they can not not until i pay the amount. My family can not start life here in XXXX and we are just living with a relative because we can not get an apartment to live in. Even if how much we try to ask them to change the report wherein they do know that we are not Evicted in that apartment where we stayed. 
I really need help about this matter. We are Homeless and overstaying with a relative.
Product: Credit card

There are a few transactions at issue, all of which I brought to the attention of Barclay 's XXXX month ago, on XXXX/XXXX/15, and about which I have repeatedly written them, without receiving a single substantive response or explanation for why these charges are on my card. 

First, on XXXX/XXXX/15, XXXX transactions appear on my account. XXXX of them, for ( - {$30.00} ) from XXXX, is correct. That was a merchant refund ( minus shipping costs ) for a {$35.00} purchase I made at XXXX on XXXX/XXXX/15. However, the XXXX transaction listed on my account on XXXX/XXXX/15, a POSITIVE charge of {$30.00} to XXXX, is incorrect. I never made any purchase for {$30.00} on XXXX/XXXX/15. 

Second, on XXXX/XXXX/15, XXXX transactions appear on my account. Again, XXXX of them, for ( - {$42.00} ) from XXXX, is correct. That was a merchant refund for a purchase made on XXXX/XXXX/15, for {$42.00}. However, there are XXXX further POSITIVE charges to XXXX listed on XXXX/XXXX/15 for {$42.00}. This is incorrect. I did not make XXXX purchases of {$42.00} on XXXX/XXXX/15. 

As I stated above, I have tried repeatedly to have this issue resolved. Barclay 's promised me a resolution within 7-10 business days. They did not keep that promise. They then promised to call me to resolve the issue. They did not keep that promise either. I have contacted XXXX and they confirmed that they issued the refunds for ( - {$30.00} ) and ( $ XXXX ), and that there should not be any additional purchase charges on my account related to these transactions ( except for temporary authorizations ). However, the XXXX charges at issue are not listed as temporary authorizations on my Barclay 's account. Rather, they are listed as completed purchases on my most recent monthly statement, for which Barclay 's has demanded payment by XXXX XXXX, 2015. 

To repeat : there are XXXX mistaken purchase transactions on my account, totaling {$110.00} XXXX {$30.00} + {$42.00} + {$42.00} XXXX for which Barclay 's is demanding payment. Barclay 's has failed to provide any substantive response to my dispute of these transactions, except to give me empty promises that they will contact me. I have, to this date, received no oral or written explanation or justification for these charges, despite raising the issue with them multiple times, starting on XXXX/XXXX/15. And finally, the merchant, XXXX, agrees with me that I do not owe the amounts charged. 

I thank you in advance for your help.
Product: Vehicle loan or lease

I am writing to bring to your attention a serious issue regarding the unlawful repossession of my vehicle and the incorrect reporting of my account. The details of my account are as follows : Account Number : XXXX Vehicle : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX : XXXX The vehicle was illegally repossessed without proper notification as required by Pennsylvania state law. In Pennsylvania, a notice of repossession must be sent immediately after the repossession by certified mail or hand delivery. This notice was never received, making the repossession unlawful. 

Additionally, my account has been incorrectly reported as a charged-off account after being late for only 30 days. Roadrunner Financial is also reporting a charge-off status each month, which constitutes a payment history, despite this being a closed account. This continuous inaccurate reporting is causing significant damage to my credit report. 

I am requesting the immediate deletion of this account from all my credit reports. Failure to comply with this request will leave me with no choice but to pursue legal action. I have a draft civil complaint prepared and am ready to file it, seeking {$30000.00} in damages for the unlawful repossession and inaccurate credit reporting. 

Furthermore, I am prepared to report this matter to the IRS for potential tax fraud due to the misreporting of the charge-off status. 

Please address this matter urgently to avoid further legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been following up with Equifax via internet and over the phone after my lender was unable to pull my report. I am also unable to pull my report, and they are asking me to verify various pieces, which I am able to provide most or all details related to some situations that are from 2002. Despite this they are wanting me to send in my social security card with my driver 's license before they will verify what the issue is ( address, matching name, etc ). I escalated, explaining this could potentially cause me to lose a home, current the only workable home, since this report is a required part of the process. My lender has my other two reports, XXXX and XXXX, and did not have any issues pulling them. I am not comfortable sending this documentation, especially since they will not tell me the reason why. Please advise how I can get a copy of my credit report to forward to my lender, so I can make an offer on this home. 

Thank you!
Product: Mortgage

I believe my bank, XXXX XXXX XXXX, is in violation of the Homeowners Protection Act of XX/XX/XXXX regarding the cancellation of PMI. According to this act, the law requires home mortgages signed on or after XX/XX/XXXX to automatically terminate PMI once the homeowner reaches 78 % LTV, or gains 22 % equity in their home, based on the original property value ( lesser of purchase price/appraised value ). The HPA defines cancellation date as, at the option of the borrower, either : ( 1 ) the date on which the principal balance of the mortgage is first scheduled to reach 80 percent of the original value of the property ( regardless of the outstanding balance ), or ( 2 ) the date on which the principal balance of the mortgage reaches 80 percent of the original value of the property based on actual payments. 


On XX/XX/XXXX, I made a {$3000.00} payment to my principal. The bank did not apply it to my principal. I called and on XX/XX/XXXX, they corrected the mistake ( this is documented with them ) and backdated the principal payment to XX/XX/XXXX. 

At that point, my principal balance reached 80 % of the original value of the property based on actual payments. According to the HPA, my PMI should have been automatically cancelled. I called and spoke with someone at M & T on XX/XX/XXXX to ensure that it would be cancelled ; I was told that paperwork would be filed. 

On XX/XX/XXXX, my monthly mortgage bill was automatically deducted from my account as always ; I saw that PMI had been deducted. I called M & T again and was told that this was because the mortgage was in arrears and that the PMI would be removed for the XX/XX/XXXX payment. 

On XX/XX/XXXX I received a letter from the bank stating that my PMI Waiver was approved and that I would receive an escrow analysis within 60 days. 

On XX/XX/XXXX, M & T again withdrew PMI. I called today, XX/XX/XXXX, and was informed that the paperwork for PMI takes " awhile '' and so during the interim I would have to continue to make the PMI, but that my XX/XX/XXXX payment would not deduct it. I was told I would not be refunded for the PMI they took out after the cancellation. 


If I understand the HPA correctly, the date of termination should have been XX/XX/XXXX and, at that point, the PMI should have been canceled. I understand that it was in arrears, but M & T 's claim of " paperwork processing time '' seems to be in contrast with the HPA 's wording of " automatic cancellation. '' I believe that M & T is acting fraudulently, and that I am protected under the HPA act. I suspect that other consumers are being treated unfairly, as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on several occasions to repair my credit with equifax, XXXX and XXXX for the ELIMINATION of accounts that are being reported incorrectly. several accounts are in XXXX but the account status is open, the last dates of activity are reported differently in each credit bureau, how is it possible? I have sent them letters where I point out the errors in the accounts and they ignore my request. 

The accounts I need removed because they violate the FCRA ARE : XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX The balance owed on this debt is allegedly XXXX and the highest balance is XXXX, this is a violation of my right to a Fair Credit Report. 

XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number : XXXX This account is reporting the last activity date differently in equifax and XXXX, late payments are also reported on different dates, I am entitled to fair credit, errors like these are unacceptable XXXX XXXX XXXXXXXX account number XXXX This account is reporting the balance due other than the highest balance,. Additionally, I was reviewing it and its reporting the XXXX XXXX XXXX XXXX XXXX' Accordingly to the FCRA, it's illegal to report current payment history on a Charge off account. I have the right to an accurate credit file and discrepancies like this are unacceptable. 

XXXX XXXX XXXX account number XXXX The last day of activity, account status on this account are reporting differently on the XXXX credit bureaus. i have the right to an accurate credit file and discrepancies like this are unacceptable. 

XXXX XXXX XXXX XXXX XXXX account number XXXX The last day of activity, last payment on this account are reporting differently on the XXXX credit bureaus. Additionally, I was reviewing it and its reporting the XXXX XXXX XXXX XXXX XXXX  Accordingly to the FCRA, it's illegal to report current payment history on a Charge off account. I have the right to an accurate credit file and discrepancies like this are unacceptable.
Product: Credit reporting or other personal consumer reports

I don't XXXXComenity or have any dealings with them therefore my information was given to them without my consent. Its still on my report after being closed and paid off hurting my credit score.

Status Account charged off. {$470.00} written off. 

Status updated XX/XX/year> Highest balance XXXX XXXX Monthly payment - Last payment date XX/XX/scrub>XXXX XXXX XXXX
Product: Vehicle loan or lease

Dear ally financial I have reached out to u guys numerous of times in all I have been is misleading in fraudulent information ...... I ask ally about the nature of my contract in who initially extended this deal in they constantly give there customers false in misleading information hopefully that ends today Subject : Clarification Regarding Initial Credit Extension Dear Alley Financial, I hope this message finds you well. I am writing to clarify an important aspect of the credit extension related to my account. 

1. **Initial Financing Offer** : When I purchased my vehicle from XXXX XXXX XXXX they were the first to provide me with financing options, which allowed me to proceed with the purchase. 

XXXX. **Credit Application** : I completed a credit application through XXXX XXXX XXXX who assessed my financial situation to determine my creditworthiness. 

XXXX. **Loan Approval** : XXXX XXXX approved my loan based on their evaluation, outlining the terms including the interest rate and repayment schedule. 

XXXX. **Financing Agreement** : After agreeing to the terms, I signed a financing agreement directly with XXXX XXXX XXXX which detailed the loan specifics. 

XXXX. **Vehicle Purchase** : XXXX XXXX provided the funds necessary to finalize the purchase, allowing me to take possession of the vehicle. 

XXXX. **Assignment of Loan** : I understand that my financing agreement was later assigned to Alley Financial . However, it is important to note that Alley Financial was not the original entity that extended credit to me. 

I believe it is essential for the record to accurately reflect that XXXX XXXX was the initial creditor. In if not can explain how yo loan procedure works for this specific contract because tila laws broken XXXX is u managing this contract cause it clearly states in the right hand corner of my retail installment that twins auto is seller-creditor in to the CFPB can u please investigate the fraudulent services they provide
Product: Mortgage

This is the third time I 've typed this and it has disappeared. 
So briefly my husband died in XXXX 2013 and he was the only one on the loan. I contacted Wells Fargo and submitted all the paperwork for a loan modification because of hardship. They returned the paperwork stating that since the loan was not in my name I need complete the paperwork for a Non-qualifying Assumption. I did so as I recovered from XXXX XXXX XX/XX/XXXX. I then got all my paperwork back saying I missed the deadline by 9 days. They recieved my paperwork on XXXX. I was never told there was a deadline. I filled out the paperwork as quickly as I could. I then had to assume the loan with a credit qualifying assumption. At the time it was impossible. I would appreciate some help on the matter.
Product: Credit card or prepaid card

In XX/XX/2022, I was notified by XXXX XXXX who monitors my accounts ) that multiple cards were being opened or trying to be opened in my name. I called XXXX and together we called the various credit card companies. 
I thought all the accounts had been closed. I put a freeze on any future account being opened with the 3 credit bureaus. 
Today, I looked at my credit report, and saw that one of these accounts that was opened was still open. And my credit score plummeted by XXXX points as payments have not been made on it. 
I called XXXX immediately . They had me call XXXX and XXXX. XXXX insists on this identity theft report being filed. I did not know anything about this report. Nothing was mentioned to me a year ago about filing out this report. 
I called Wells Fargo today ( where the credit card is issued in my name and has a balance ). Wells Fargo is opening up a fraud report. 
This should not be such a difficult problem for a fraud victim to overcome. Thank you for your help.