23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I HAVE PREVIOUSLY DISPUTED Account XXXX an alleged bankruptcy WITH YOU. AND IN RESPONSE. YOU VERIFIED THE ITEM AS ACCURATE, STATING THAT YOU HAVE VERIFIED THE INFORMATION WITH THE COURT. I CONTACTED THE COURT. AND THEIR RESPONSE IS ENCLOSED. IT IS CLEAR THEY DO NOT REPORT TO YOU OR ANY CREDIT BUREAU FOR THAT MATTER ; THEREFORE. YOUR INITIAL RESPONSE VERIFYING THE ITEM WITH THE COURT WAS EITHER AN ERROR OR A LIE. EITHER WAY. THE REPORTING REQUIREMENTS DO NOT COMPLY WITH FCRA 611 ( 15 U.S.C. 1681I ). AND THE INFORMATION MUST BE DELETED IMMEDIATELY.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, Washington, DC XXXX Case # XXXX ( submitted by Settlement company ) Re : Case # XXXX ( submitted by myself ) / Reference ID : XXXX Re : Loan # XXXX To Whom It May Concern : On XX/XX/XXXX, I experienced financial trouble and requested a loan modification from Bank of America ( BOA ) on a first and second mortgage for the property at XXXX XXXX XXXX XXXX, Washington, DC XXXX. On XX/XX/XXXX, they sent me a loan modification letter with a reduced balance as I had requested in my hardship letter. At that time, I contacted BOA for details. BOA said they restructured my loan to be 40 years instead of 30 years and that I would not be responsible for the second mortgage. I paid PMI on my second mortgage and I was told they could collect from my insurance. Eleven years later when selling the property for XXXX less than the purchase price, the title company finds a deed in trust where BOA transferred the loan to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX company alerted my title company that there is a balance on the loan and BOA after weeks of requests for information has no knowledge of what occurred with the loan. I have never received any communication from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX about any amount due during the past 11 years. 

The loan modification employed unfair, deceptive, and abusive practices ( UDAAP ). 
DECEPTIVE Upon reviewing a history of payments on the loan, I noticed that BOA charged me closing costs to restructure the loan in the amount of {$4600.00} but never alerted me of this charge. They only alerted me that they reduced my payments as requested. In terms of Truth in Lending regulations, they are required to give me important details on the loan restructuring including adding an amount to the principal for the modification. 
ABUSIVE AND UNFAIR The bank informed me that I was not responsible for the second mortgage. Therefore, I paid for 11 years on the loan totaling approximately {$120000.00} while only reducing the principal by $ XXXX. I paid for years when the property was empty including 12 months during the covid-19 epidemic. The property has not recovered to the amount I paid for it. I waited 11 years to break even on the property before selling it. But instead of breaking even, I would need to bring {$44000.00} in the amount of the second mortgage to the closing or foreclose on the loan since I can no longer afford to pay for it empty. 
POOR DOCUMENTATION The title company and myself contacted BOA and requested a release of a deed of trust. After two weeks, the bank can provide no information on what occurred with the second mortgage and has not confirmed whether they can provide the release. They can not even tell me if they had indeed transferred the loan. 

Borrower : XXXX XXXX XXXX Original First Loan Number : XXXX Original Second Loan Number : XXXX Date of Deed of Trust : XX/XX/XXXX Original Balance : {$44000.00} Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

several accounts for loans created under my name showing on Experian and Equifax that i did not apply for. Called to get items disputed but still showing on my reports causing a extreme credit drop affecting my financial stability.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in XXXX to XX/XX/year> to be removed. 

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

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


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

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

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

Delete the late payments from my consumer reports
Product: Mortgage

I had a loan with XXXX XXXX XXXX XXXX and Ditech bought my loan. My monthly loan payment with XXXX was {$4200.00}. My first payment with Ditech was on XX/XX/XXXX. I paid Ditech {$4200.00}. I called Ditech to inquire about PMI and Ditech told me my loan amount would go down to {$3600.00} starting XX/XX/XXXX. They told me they sent me a check for {$8300.00}. I called and asked them about {$8300.00} and they told me they made a mistake and reinvested {$8300.00} back into my mortgage. My monthly payment remained at {$3600.00} until XX/XX/XXXX. My mortgage went up to {$4500.00} per month. I called and asked them why it went up to nearly {$1000.00} a month and they told me my taxes went up. My taxes never went up. I will send you my tax bills for this residence. I do n't know how may payment can go from {$4200.00} to {$3600.00} to {$4500.00}. How can a mortgage company ask me for {$1000.00} a month more? They will not budge on this. I now have to come up with {$1000.00} a month more.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam, My name is XXXX XXXX, please contact XXXX credit reporting agency on my behalf. 

I contacted a representative from the fraud department to correct my personal information and reported my privacy has been violated. 
XXXX XXXX is my name. I should have only my ( 1 ) Name and ( 1 ) address on my credit report to verify my personal identity.

I do not use or not know by other names or addresses to verify my personal identity.

Over " 18 " hard inquiries conducted without my authorization. I need to emphasize numerous inquiries with out permissible cause with the same financial institution certianly are red flags and should have been immediately addressed and removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Adverse action need to be taken to correct the errors on my credit report. The credit reporting agencies have been exposed for violating Federal Laws to protect customers rights. In addition, the banking system and financial institutions should accurately and fairly protect consumers privacy and rights. 
I did not authorize in writing or digital form permissible cause to share or inquire my personal information. 

Thank you in advance for your assistance and considering my requests. I will govern myself accordingly. 
Sincerely, - XXXX XXXX
Product: Checking or savings account

They started charging a monthly service charge to my CHECKING account of {$6.00} per month, and not reversing it, on XX/XX/XXXX. I am supposed to have the monthly service charge waived, based on their policy/criteria. The criteria I qualify under is " having a US Bank credit card ''. I have a US Bank credit card, which they have confirmed numerous times, but they can't get this fraudulent charge off my account. I have called many, many, times and visited a branch once, but almost every month I have to call them again. 
This is outrageous and sometimes the customer service reps are rude and uninformed. Below is a list of how many times I have called to complain about this and attempt to have it " fixed ''. 
It appeared to be " fixed '' on XX/XX/XXXX, but started all over again in XX/XX/XXXX. 
Contacted customer service @ XXXX on the following dates : XX/XX/XXXX - no name ; refused to provide credit for {$6.00} service charges on : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XX/XX/XXXX- visited XXXX XXXX XXXX & spoke with XXXX ; she issued credit for {$6.00} x XXXX XX/XX/XXXX - XXXX - issued {$6.00} credit for XX/XX/XXXX fee & said she would research problem XX/XX/XXXX - XXXX ( supervisor ) - issued credit for XX/XX/XXXX fee & said " someone '' didn't do what they were supposed to, to fix it XX/XX/XXXX - XXXX XXXX reversed XX/XX/XXXX & XX/XX/XXXX fees of {$6.00} each On XX/XX/XXXX, the {$6.00} fee was charged and then apparently reversed automatically. 
On XX/XX/XXXX and XX/XX/XXXX, I was again charged the fee of {$6.00} each, which were reversed on XX/XX/XXXX, after I made another call. Then on XX/XX/XXXX, I was charged another {$6.00}. I just don't have the energy to call yet again and explain the entire thing AGAIN.
Product: Vehicle loan or lease

For months on end ever since I purchased my band new car back in XXXX, I experienced difficulties getting coupon payment booklets. Not only that, the most important part is I am not able to log in with my credentials to SUBMITT PAYMENTS TO FIFTH 3RD 'S BANK PORTAL! THIS HAS BEEN AN ONGOING PROBLEM FOR OVER TWO MONTHS NOW AND STILL NOT RESOVLED. 

I HAVE A MASTER 'S DEGREE IN ENGINEERING WITH TWO UNDERGRADUATE DEGREES, ONE IN MATHEMATICS, THE OTHER IN COMPUTER SCIENCE. 

These people are deliberate preventing me from logging into the Portal to submit payment. Everytime I call for help, I keep getting there phone automated system such that the ask me for account information or SS #. 

I provide my SS # everytime and they can not verify and validate my identity. Its completely ridiculous they are doing this ; my auto loan with XXXX XXXX was never a problem, my two other Auto Loans with XXXX XXXX XXXX XXXX has not ever been a problem. 

However, Fifth 3rd Bank does not allow me to provide my correct login credentials.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX agreed to remove late fees and negative credit reporting when I made a payment ; however, there seems to be conflicting information on at least one of the credit bureaus as shown in these attached screenshots.
Product: Checking or savings account

Multiple people have opened accounts under my name at Truist bank. I have spoken to the bank and they still have not closed all accounts under my name. They are extremely hard to get in touch with.
Product: Credit reporting or other personal consumer reports

My Experian credit report contains serious inaccuracies that should have never been reported in the first place, and this level of carelessness is completely unacceptable. These reporting errors raise serious concerns about the reliability of your data and the integrity of your verification process. These mistakes are actively harming my financial standing, and I will not sit idly while misinformation continues to cause damage. 

The following items I am disputing are the following : Company Name : XXXX XXXX XXXX Account # : XXXX - Balance : {$4300.00} As a consumer, I have a legal right to a credit report that is free from false or unverifiable information. The FCRA requires that all data reported be 100 % accurate and provable. If these errors can not be supported by documented proof, they must be removed immediately. I demand a full, detailed investigation and an immediate correction. Any delay in resolving these issues will be considered negligence and will not be tolerated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to XXXX, Experian and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. They were late payments showing on my report and these report is misleading and suspicious and was never late. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S. Code 1666b.Timing of payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Product: Credit reporting or other personal consumer reports

The information listed on my credit report is erroneous which is against state and federal law. According to FCRA you are only to report accuracies on my credit report. This account is aged and past the statute of limitations which is XXXX years. XXXX continues to keep adding this account to my credit report every other month. This account was opened in XXXX and wrote off by XXXX in XXXX. I am requesting a civil liability for willful noncompliance ( 15 U.S Code 1681n ).
Product: Checking or savings account

On XX/XX/2021, I went to a BOA ATM at around XXXX XXXX  to make a deposit of {$2900.00} to an ATM, ATM ID XXXX. The ATM took the full amount but provided an error message. The cash was never returned to me. My husband and I intentionally stayed and waived at the camera to make sure the camera captured us. 
I called BOA but couldn't get anyone, so I called again the next day ( XX/XX/XXXX ). BOA submitted a claim for me, claim # XXXX. They gave me conditional credit while investigating the claim On XX/XX/2021, they sent a letter saying " we're unable to approve your recent claim ''. Reason was : " the charge was authorized by you or by someone who has permission to use the card or account. If we used documents to resolve your claim, we've included them with this letter. '' And then, it said " the credit ( s ) for {$2900.00} that was applied to your account will be removed on XX/XX/2021 '' THREE THINGS : 1. The reason BOA gave has nothing to do with my claim of missing cash deposit.

2. There was no documents attached with the letter sent to me. - That means they did not use any document to come to this conclusion.

3. There should be at least 2 evidence to support our claim - 1 is the camera for that ATM. 2 is the cash reconciliation. How can BOA miss both evidence and deny the claim? That's ridiculous.

The way BOA handles this case is crazy. NO clear reason ( see # 1 ) and NO clear documents to substantiate the decision. This is considered stealing.
Product: Payday loan, title loan, personal loan, or advance loan

i have an auto loan with OneMain Financial from XX/XX/XXXX. My car was totaled on XX/XX/XXXX in a car accident and I had to file an insurance claim that was deemed a total loss. Throughout XXXX and XXXX I received multiple emails from the lender offering to settle my account for less. I was offered and received a written settlement agreement in my email for {$7600.00} as long as it is posted on the account by XX/XX/XXXX on XX/XX/XXXX to resolve my account. Despite this, my lender received an insurance payout of {$8700.00}, on XX/XX/XXXX, on my behalf and is now refusing to honor the settlement, claiming insurance funds can not be used toward settlements. My account manager confirmed that there is no contractual basis for this claim. Additionally, the lender refuses to refund the {$1100.00} overpayment from the insurance check. They are attempting to apply the full amount to my original loan balance, despite our written settlement agreement. This is an unfair and deceptive practice, and I request immediate intervention to ensure they honor the settlement and return my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete it ASAP as this is very exhausting. Nobody wants to grant me a loan because of this XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not mine and I do not know the origins of this account. Please remove this account as its been there for some time already and its not fair towards me and my financial planning. This does not belong to me so thus remove it immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit report. XX/XX/2020. I've filed several complaints and fraud alerts with equifax and an Identity theft report with the FTC about this Fraudulent activity that has occurred. I also recently went to open a business account with XXXX XXXX  and a profile was started already with the number XXXX attached to the profile. This is not my number and this was not my account that was in there system. They also mentioned some charge off accounts pulled from lexis nexus that I have never heard of. Ask I for proof of authentication and they have yet to provide any. 

My name Is XXXX XXXX. 
XXXX XXXX XXXX XXXX. 

These are addresses that are associated with my credit profile but I never lived there. Nor Has me or any of my relatives. Fraudulent accounts. Attached. 

XXXX XXXX XXXX XXXX, FL XXXX Address ID # XXXX ( XXXX  XXXX. Account Number XXXX ) Credit card. Not My Account. 
Please Remove. 

XXXX XXXX XXXX XXXX, WI XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX, OH XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX, OH XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX, OH XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX, OH XXXX Address ID # XXXX Single family The adresses as mentioned above are not mine. please remove from my profile as well as any other misinformation attched to these adresses. 

Police reports have been filed as well locally in XXXX ohio. about these matters there of. 

Section 621 ( a ) ( 2 ) ( duty to correct and update information ) for knowing violations of the Act, the per violation penalty will increase from {$3500.00} to {$3700.00}.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 
15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below DEPTEDXXXX  # XXXX DEPTEDXXXX # XXXX DEPTEDXXXX # XXXX
Product: Credit reporting or other personal consumer reports

I believe FCRA XXXX tells us to take out wrong accounts from my credit report. Can you check the papers? Some listed accounts have wrong info about reporting, amount, and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 120 days past due on XXXX XXXX XXXXXXXX - partial account number XXXX. ( Please see page 3 and 4 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Debt collection

Told me to " just pay it ''. Original Creditor : XXXX XXXX
Product: Credit card or prepaid card

Payment due date was one day earlier than I made payment online. No issues with my failure to comply on time. As I never revolve on these accounts, my concern was the average daily balance and interest continuing to accrue until the average daily balance was XXXX or less for the entire billing cycle. Discontinue using card for several months and paying extra to cover one extra day of interests and prevent minimum {$2.00} charge next month was my plan.

4 Options for payment online were 1 ) Full 2 ) Last Statement Balance 3 ) Minimum and 4 ) Other Since first 3 options all were for {$10.00}, I tried to pay {$15.00} using Other amount option. Would not allow stating it could not exceed Full amount. Full amount does not include unposted fees even though we all know they are accruing. This clear effort to prevent intentional over payments to avoid credit balances while also increasing revolving credit interest income seems very deceptive. To force me to mail or wire a separate payment via other means is not very efficient or consumer friendly in my view and I would ask that the Consumer Finance Protection Bureau seek to end this practice of preventing consumers the option to intentionally overpay to avoid additional fees or interest.

Thank you for your consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 

2. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 

3. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

4. Validate Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.