23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$520.00} - XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$120.00} 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: Checking or savings account

On XX/XX/2024 I got a notification as I called to check my balance on my current bank account at US Bank. That is there's ahold and then due to not telling me why? But they decided to close my account and in my relationship. I have even though I'm using my account. As normal behavior as paying bills and sending money to rent. They don't feel like I'm A. They continue their relationship with me, which I've been banking with them for over XXXX  years. And I'm not getting the lack of transparency of why when I'm trying to recover and start a new life here in struggling XXXX By myself paying rent working XXXX XXXX and making ends meet and they decide to close my account. And now I'm going to be forced on the street because I can't pay rent through their bill pay system and their XXXX  system because they put ahold on my account in keeping my money and even. When I went to the branch. They can't do anything about it. I have to call the XXXX XXXX XXXX which they told me go back into the branch. So I'm not getting the transparency and the communication from this bank. And I'm very upset and I would like to proceed to move forward on. How can we get this resolved
Product: Mortgage

Bank of America is having me pay {$130.00} per month into an escrow account for taxes and insurance ( says it on the bill. ) The taxes are $ XXXX/month and the insurance is {$26.00} per month. Neither bills have been paid, and after 3 hours on the phone and bank visit, no one can figure out why. They are saying that I either need to pay it myself, or wait one week to be contacted by them. Meanwhile, I received a letter on XXXX/XXXX/15 stating my insurance was going to be cancelled because of this. They ( XXXX XXXX ) said they sent Bank of America several bills for {$310.00} ( now {$340.00} for late fees ).
Product: Mortgage

I previously filed complain # XXXX on this same issue. Every year, LoanDepot sends a notice via snail mail saying, " According to our records, your hazard insurance policy is about to expire and we have not received a renewal or replacement policy ''. My policy with XXXX XXXX has never lapsed and LoanDepot is listed on my insurance policy. 

Their goal, I believe, is to get people to pay for insurance they don't need, as a way to make additional revenue. I don't know what I can do beyond filing complaints, but clearly the problem is not being addressed by LoanDepot.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

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

I am writing today in regards to my account with American Honda Account # XXXX I am writing in regards to a 60 day late reporting in XX/XX/2020. My concern is how can an account be 60 days late without ever being 30 days late first. in XX/XX/2020 it reports on time payments. This means inaccurate data is reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

According to the FCRA, this is against my rights. This Account was paid and closed on XX/XX/year> but all 3 credit bureau keeps reporting monthly on my credit report. Its showing last update on XX/XX/year> but it was closed and paid in full in XX/XX/year>. This is inaccurate and it needs to be changed and corrected. 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604 A section 2 : states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I took out a payday loan about 10 years ago maybe more and they are stating I never paid it back even though its not on my credit or anything!
Product: Debt collection

[ ATG CREDIT LLC add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold to a third party collection agency Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA and HIPPA MERCHANTS CREDIT GUIDE has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, reporting, leaving inaccurate or unverifiable accounts resolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing adequately notify consumers of dispute outcomes. These failures align. With my experience, where experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as experians inaction violates federal law and my rights as a consumer.
Product: Student loan

Hi, I am writing to report Citizens Bank for predatory lending, false marketing, and high-pressure sales tactics and practices. Citizens Bank falsely advertised eligibility criteria that do not correspond to their actual business policies, and its officers pressured me to apply for a loan I would not be eligible to receive. On top of that, Citizens Bank 's officers refused to provide any clarification as to what the actual eligibility criteria are. 

I completed XXXX school in 2016, and I have student loans that I have been looking to refinance at a better rate. As an international student on an XXXX visa, I couldn't find any program that would deem me eligible. In XXXX of this year I received a mail ( scan attached ) from Citizens Bank prompting me to apply to refinance my student loans. The eligibility criteria attached clearly state that " US citizens, permanent residents, or resident aliens with a valid US social security number residing in the United States '' are eligible. 

On XX/XX/XXXX, I decided that I would be interested in the product, and I proceeded to process a rate quote online. After receiving a rate quote, I was prompted to apply. The website confirmed the eligibility criteria included in the mail I had received earlier, under which I would be eligible. Knowing that most student loan refinance programs are open only to US citizens or permanent resident, I decided to proceed with more caution, and I opted to call Citizens Bank 's customer service to receive more information.

Citizens Bank 's officers revealed that the eligibility criteria listed on the mail I received are not correct. In fact, they shared with me that, as a resident alien ( with a valid US social security number and residing in the United States ), I could not apply on my own. I could only apply with a US citizen or permanent resident co-borrower and, if I did, my income would not be counted towards my debt-to-income ( DTI ) calculations to determine eligibility. In my particular case, I could have applied together with my wife, who is a US citizen. Only her income would be counted ; however, both my liabilities and hers would be included. In order to understand whether I could feasibly apply, I inquired about what is the maximum DTI allowed, and I was told that that is proprietary information that can not be shared. Despite all of this, the representative pushed me to still apply to see whether I could be approved or not. Knowing that my DTI calculated without including my income would be high, I decided not to proceed with my application. I shared that I would complain with the CFPB, and a few days later I received a mail ( attached ) stating that my income would not be considered on this application. However, their marketing materials never indicated this. 

Luckily, thanks to my background I have knowledge of predatory lending and practices, and I was able to recognize this before applying. Unfortunately, other consumers might not be as informed, and will fall trap of these subdolus practices. I appreciate your help ensuring that other borrowers don't fall trap of these false claims.
Product: Mortgage

On XX/XX/15 I called Home Point Financial ( my mortgage servicing company ). I inquired about a deferral where my mortgage payments could be added to the back of the loan. The individuals ID I spoke with was XXXX. She said they could offer forbearance with a lump sum due at the end of the period. She said Home Point Financial is not allowed to offer deferrals as it " alters the terms of the loan '' and is against the law. I am an XXXX  XXXX and my hours have already been cut significantly and I anticipate my hours to be cut more or even reduced to XXXX due to the COVID19 impact on the client I work for. In addition, since I bill under an XXXX I can not collect unemployment. My loan is a VA loan and as I understand it, mortgage payment deferral should be an option for me. Please help. I am willing to provide whatever information you need to assist. 

Thanks
Product: Checking or savings account

On XX/XX/22 I transfer XXXX to a local bank on the app. 10 minutes later wells fargo put my account under montartary block on my account my account balance {$320.00} wells fargo took my debt card option away also they have a block on my account no way I can get {$320.00} they want me to go to the branch but the branch closed have to make a appointment. How I'm supposed to take XXXX out of my account when they have a block on my account can't make no transfer payments I feel I should be able to make transfer payments. My account was supposed to close last month but it's still open cause I had a negative balance
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I called XXXX XXXX XXXX to find out why they were reporting my account as charged off when I had paid it off in full and had a letter from them stating the account was paid off in full. The agent told me I had to fill out a form and send it in and they would investigate it and Transunion would inform me of the results. On XX/XX/year> I checked my credit report and it changed from charged off with fixed interest to paid charged off. Which neither is true. They had a system malfunction and I started receiving some settlement agreements to speed up the pay off process. To which I turned down because the account was almost paid off and would reflect in a negative manner on my credit report. On XX/XX/year> I paid the balance off to XXXX XXXXXXXX XXXX XXXX and the account was paid in full. This account was never charged off and for them to report it to the credit bureau is having a negative affect on my credit and making it very hard to get a new car loan. I was never notified that this account was charged off as I was in constant contact with them and I was making regular payments. How can it be a charge off if you pay the balance in full?
Product: Debt collection

I kept getting 5 calls throughout the day everyday from this collection. I kept telling them i never ever received a letter from them charging me anything. They said bill was from 2016. To stop the harassment i paid the amount they requested. They told me that they would send a letter stating i paid. I never received anything. This is affecting my credit bad and I paid this account
Product: Payday loan, title loan, or personal loan

Upstart has violated the Fair Credit Reporting Act in that they have performed a hard credit pull in violation of 615 ( a ) - 15 U.S.C. 1681m, et. seq., and that the Hard Pull was based upon 619 - 15 U.S.C. 1681q. 

On, XX/XX/2021, I received an email ( after I applied to online solicitation through XXXX XXXX ) from Upstart, congratulating me for their apporval of my online loan request. That email was ambiguous as it informed me that they will perform a hard credit pull which will affect my credit report, However, what the email did not do was inform me as to what the " Disqualifying events '' were, and had it done so, I would not have went into their portal and logged in for them to turn around and deny an application that they initially said was approved. A 'Disqualifying event ' ; if, not disclosed, can mean anything. Further, if a loan was 'approved ' then the application was approved. 

On, XX/XX/2021, I complied with Upstart 's request for me perform the " next step '', which was to log-in.

Two days later, on XX/XX/2021, Upstart sent me an email, informing me that they did not accept my loan application, which was untruthful, given that on XX/XX/XXXX, they informed me that my loan was approved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$340.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$460.00} ; 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

I sent in a dispute to the Equifax and didn't receive a response on the items that were being disputed.
Product: Credit card or prepaid card

This morning [ XX/XX/XXXX at XXXX XXXX  ], I noticed on the BOA app that my Bank of America Travel Rewards Credit Card has been changed to the Bank of America Unlimited Cash Rewards Visa Signature credit card. Both of these cards have {$0.00} annual fee. On their website, it states that the travel card has no foreign transaction fee, whereas the unlimited cash rewards card has a 3 % foreign transaction fee. 
I have received countless offers to switch my travel card to the unlimited cash card and I never authorized this change. 
My last transaction made on this credit card was on XX/XX/XXXX, almost 2 years ago. I suspected this change might be targeted to less active accounts like mine, similar to their unauthorized account openings scheme. 
I called customer support about this issue and the support agent told me there was a notice that was sent to me on XX/XX/XXXX notifying me of this change. However, in this notice, supposedly, there was no option to opt out of it. I do not see any such notice on my online account, where I should have a digital copy of all notices that are physically mailed to me. 
The support agent tried to convince me to stay on the unlimited cash credit card by telling me I have an introductory offer of {$200.00} cash back if I spend {$1000.00} in the first couple of months of my account being opened. He also mentioned that this was an upgrade to my old card. At this point, I told him that this is actually a downgrade due to the foreign transaction fee. He looked into my account and saw that my specific account doesnt have foreign transaction fees and this was part of the complementary change to honor the no foreign transaction fees on my old card. 
I asked to have my card switched back to the travel card since I never authorized this change. He read the disclosure about accounts and offers becoming invalid. Wanting more time to think about this, I asked for documentation to be sent and he said he can send the documentation specific to my account. However, his only option is to send it via physical mail and it should arrive in XXXX weeks.
Product: Debt collection

I had a balance due from an apartment community that I didn't receive email or physical mail or phone call correspondence of a debt due. I received a text/phone call with attempt to collect by the collection company, but no way to verify who they were other than share with them my social security and/or date of birth. I wasn't comfortable sharing that with no way offered to verify them or the debt. 
They then submitted the credit agencies without offering to verify who they were. With the many scams by phone and online, I feel they should have made an attempt to verify themselves and the debt. The original debtor would not return phone calls and also never called me and I didn't receive email or physical mail notification of the balance due. They both appear to have had my correct mailing address, phone number and email. 
I did a search in my spam email and did find several collection email notices from the collections company, but I don't have control over their email going into spam. These companies should be required to send physical mail and a way to call with a method to verify who they are. 
After I did find a report to my credit then search further into my spam folder, found the email in spam, I verified the debt and paid the amount due promptly.
Product: Debt collection

I submitted a dispute several of them to the credit card company, explaining that this was not my dad. They agreed and agreed to take it off my credit, but already sold the debt to resurgent company. Now theyre harassing me saying theyre gon na mess up my credit or take my property all the stuff and now were trying to hit my credit and I also sent them a letter saying I want a proof they did not submit any. They refuse to answer me just keeps threatening me I already won the dispute. It should be taken off my credit and Im going to sue this company if they do not stop harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX 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 was properly investigated, but how is that possible if the open date is inaccurate. The date last is inaccurate and date reported is not accurate. This is ground for removal. They also have violated my rights under 15 U.S.C. 1681 section 604 A section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I havent given these accounts permission to furnish these accounts on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates and this was not my fault. Thanks