23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have tried on numerous occasions to negotiate a hardship payment request with the company. They refuse to negotiate or grant hardship until I am delinquent at least two payments. I have not missed a payment in ten years and have paid late once within the last year. This late payment was in two days of the due date. The only option Bank of America gave was to ask for my XXXX interest rate to be lowered. When I requested ton have my interest rate lowered 3 different times they refused to lower the rate only stating that the interest rate at this time is correct for this type of account. I should not be made to go delinquent to negotiate a hardship. I am trying to remain current on my payments just not in this amount. At this point with the interest rate as high as they have it after paying {$300.00} as a minimum payment only {$35.00} was counted towards the principal. The rest went to interest. They also counted my purchases after the payment was made thus increasing the balance after I made my payment. I also feel this is predatory because XXXX of my other credit cards are giving me a lower interest rate. I am starting to wonder if they are charging me more based on my race and not my credit score.
Product: Credit reporting or other personal consumer reports

The late payments reflected on my account do not align with my consistent payment history.
Product: Debt collection

A company XXXX XXXX XXXX is trying to collect a debt that was previously owned by another debt collector named XXXX XXXX XXXX  Acct # XXXX. Back in XXXX  I filed a complaint against XXXXXXXX XXXX XXXXXXXX and requested the credit bureaus do a thorough investigation into my file. This debt was removed from my file due to identity theft. Since XXXX XXXX XXXXXXXX could not collect this debt they sold it to XXXX XXXX XXXX which is now reporting the exact same debt on my file. I disputed this with the credit agency and XXXX XXXX and both are lying saying that they have verified this debt but neither party has presented me with any documents showing where I entered into a relationship with this company. If you have claimed to verify my debt, respond to this request with a signed contract. Under the fair credit reporting act you are required to send me verifiable proof that this debt belongs to me. I am requesting a reinvestigation. If you can not furnish proof of a valid contract between myself and bull city you need to remove this from my file immediately.
Product: Credit reporting or other personal consumer reports

Please report correct information to consumer bureaus. See attached
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I submitted a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and ignored of my disputes. Section 611 ( a ), it is plainly stated that the failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed via online about an account fro m United Consumers th at I did not recognize  XXXX   XXXX ,  XXXX   XXXX  and  XXXX   XXXX ,  XXXX . They (  XXXX   ) res ponded quickly saying that the account has been verified. I called and spoke w ith two rep s. When I got to the gentleman that was the supervisor he told me that they did not do investigations if the creditor comes back and says that it is mine. I told him that is not how an investigation is supposed to work he told me that is how it works at  XXXX . He told me I am welcome to dispute it again but it will just be verified. I have tried to verify directly  with United Consumers and ask for proper verification. I have not gotten proper verification from them either. I do not understand how no one has properly verified this debt but they are verifying the information with each other. I am requesting that  XXXX  remove this collection because a proper investigation  was not done and this debt is not verifiable.
Product: Money transfer, virtual currency, or money service

My card was FRAUDULENTLY charged {$31000.00} by someone and used on Crypto.com. I never authorized or made this purchase on my account or ANY account. My card was on file with the merchant Crypto.com but | never made a purchase or authorized a purchase of {$31000.00}. 1 have filed and have an active FBI Complaint against the company and person I suspect involved as I was the victim of a financial scam that I've informed CRYPTO.COM about. My debit card was not in my possession at the time this charge of {$31000.00} was made on Crypto.com. 
XXXX XXXX denied my CHARGEBACK claim for the {$31000.00} and did NOT THROUGHLY INVESTIGATE who made this UNAUTHORIZED and FRAUDULENT charge from CRYPTO.COM on my debit card. I NEVER participated, Authorized, or Approved any charge in the amount of {$31000.00} from Crypto.com or any other retailer. PLEASE HELP ME Recover my funds from T his FRAUDULENT and UNAUTHORIZED charge of {$31000.00} made on my XXXX XXXX  debit card. Me and my family are in the process of filing BANKRUPTCY now because of this DEVASTATING FRAUDULENT CHARGE. We are in a lot of DEBT now with multiple CREDITORS. PLEASE return what's rightfully ours.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX  has violated my rights. 

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 an account without my written instructions.
Product: Mortgage

I got an 18 month deferment of my mortgage during covid 19 pandemic, which should have extended my loan payoff period by 18 months. However, the company has made an error in placing or categorizing the deferred payments in a way that would still allow me to pay off my entire balance following the 18-month loan term extension. In another word, after the 18-month extension at the end of my loan payments, I will still be left with a remaining balance of {$81000.00} in unpaid interest payments. Trying to pay off the {$81000.00} will take me BEYOND the extended 18-month period of the original loan terms. Deferment by 18 months, should extend my original loan terms by only 18 months, with no other balances remaining, which is not happening in my situation. I tried to alert the company regarding this error in XXXX and XXXX ( while making multiple attempts to complain about this error and their lack of understanding about it here at CFPB ) but it fell on deaf ears. But within a few months of my last complaint, they sent me a letter ( attached ) confirming their error, but their solution to fix the error does not completely fix the error based on my calculations of the current amortization schedule. 

In my opinion, they originally made the error by placing only the interest portion of the paused mortgage payments ( and not the principal portion ) in a deferred category. This way the principal portion stayed in the unpaid principal category and continued to accrue redundant or double interest for the remainder term of the loan. If both the interest and principal portions of the payments were placed in the deferred category, the math would work correctly : 18 months deferment adds up to 18 months of extended payments at the end of the loan term. But this is not happening now as I will still be owing {$81000.00} after the 18 month extension of the original loan terms. They made an error and that is why they admitted to it in the letter dated XX/XX/XXXX ( attached ) and tried to fix the error by reducing my interest rate to 0 % on XXXX/XXXX and until XXXX/XXXX. But this solution is not going to fix the error completely, if I am going to still have a balance of the deferred amount remaining after the 18-month loan term extension. 

I need the company to review the math very carefully since they have made an error before and recalculate the correct date that the interest rate should go to 0 % ( probably much earlier than XXXX/XXXX ) so that when my loan term ends in XXXX/XXXX, I have paid ALL principal AND interest as per the original loan term and the additional 18-month extension due to deferment. In other words, they need to CONFIRM that the {$81000.00} will also be paid off by the end of the 18-month extension ( XXXX/XXXX/XXXX ) of the original loan term ( XXXX/XXXX/XXXX ).
Product: Credit card or prepaid card

I had a credit card with Chase Bank, and I called and asked for a payoff amount and paid off the balance immediately on the phone with the rep and requested that the account be closed. Rep confirmed to me that the payment went through, and the account is closed. A month later, i get a statement for amount due. Called the bank and they indicated that it was interest that was due on the last statement. Apparently the payoff balance did not include accrued interest thru the date of payoff. I should not be held responsible for them quoting me an incorrect payoff. I consider the payment to be full and final settlement of my balance. Any system inadequacies on the Bank 's part in arriving at a payoff quote should be their error and their problem.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items on my credit report. 

XXXX : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX Experian : XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/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 XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX paid credit repair agent to fix identity theft debit XXXX talkies to agent at business notifying them of theft and unauthorized use of credit card info and bank account XXXX dc case against roommate who I believe stole and used identity fraudulently Lost bank card to my other bank social security card and id during case. Put credit freeze due to theft
Product: Credit reporting or other personal consumer reports

I have requestes on multiple occassions validation of an account. They have yet to aubmit information ro me at this time They have unverifiable information. Inaccurate, incomplete or unverifiable information listes on my gile the have not sent me any information in reference to there company. XXXX received a lettwr from a court in teference to another peraon who mpw has the accont. I am not happy about this and feel as this is in strict violation of my personal rights. I am not unferstanding how neither company is properly sending me the requested documents. I am not sure how you are verifying information with credit Bureau in 1 day and I have been requesting I formation from company directly in reference to original Creditor is and why it is now with a third person now and I still have now information from original Creditor, Resurgent or Patnude and XXXX. I have reached out to The Fair Debt Collection Practices Act ( FDCPA ). I fill that I am being ignored and they are trying to bully me out of funds and ruin my reputation. I feel these companies are truly violating my personal rights as a consumer. 
I am not understanding why all these looks at my credit file is suppose to be done everyday or every other day is to be done as often.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by TransUnion. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 
Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements. 
Requested Resolution : I request that TransUnion conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. Additionally, I request that the credit reporting be corrected across all three major credit bureaus ( TransUnion, XXXX, and XXXX ). 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Attachments : Please find attached copies of my payment records and any additional supporting documents to assist in your investigation. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Mortgage

On XX/XX/XXXX, home was hit by a tornando and uninhabitable. Loan was with XXXX at the time and forbearance applied for and granted. Loan was with underwriting to change terms of loan due to natural disaster & FEMA zone. Loan was transferred to Mr. Cooper/Nationstar Mortgage LLC on XX/XX/XXXX. When contacting Mr. Cooper, I was informed the loan is in good standing and that it is with their underwriters to update the loan. In XX/XX/XXXX, the loan was updated and trial period started on XX/XX/XXXX and lasting through XX/XX/XXXX to update the terms of the loan terms. I have continued speaking with Mr. Cooper throughout the process multiple times per month and receive the same information, the loan is in good standing, in trial period and no action needed other than continued payments for the trial period.

I have made all 3 trial period payments before the due dates and it is in good standing. The home is also now being repaired as insurance claim paid in XX/XX/XXXX. 

As of today, there was a reported late payment for Mr. Cooper. Each time I contact Mr. Cooper, I am informed there are no payments due since XX/XX/XXXX when loan was transferred except the trial period payments which have all been made on-time.
Product: Mortgage

On or about XXXX XXXX my roof was damaged in a storm. I contacted my insurance company they sent someone out and they agreed to replace my roof. Funds were disbursed to the lender QBE/Seterus License # XXXX approx. {$19000.00}. We selected XXXX XXXX to complete the repair because of their outstanding reputation here in XXXX, FL. QBE/ Seterus refuses to start the repair process on my roof by releasing funds to the roofer unless I can find a roofing company that will agree to sign their Contractors Conditional Waiver of Lien attached here with. I have called XXXX roofing companies here in XXXX Florida and all refuse to sign such a waiver. Seterus then told me to go hire an unlicensed contractor to do the work???? Since XXXX the roof has become more and more unstable and is now leaking down the walls of the home and the a/c unit has filled with XXXX mold and has stopped working properly. The home is becoming completely uninhabitable and the damage continues to mount. Please Help Frustrated and Furious that Fannie Mae allows servicers like this to handle their affairs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I completely disagree with this response. Please see the supported document Ive attached with this feedback. This account was a car that my husband and I brought in XX/XX/XXXX from the XXXX XXXX in XXXX XXXX New York. Than we got to a car accident in the month of XX/XX/XXXX, we had reported that to our insurance company which was XXXX XXXX at that time. Our insurance told us that the car was total loss. They started a claim. Than our insurance told us that they pay off the amount that was left on the car and they didnt have nothing left to even sent to us. One month after I received a message that stated that my credit score had dropped when I check my report thats when I saw that XXXX had reported the account as a charge off and collection with an amount of {$2000.00} due. They did not even sent us a notice about this before putting reporting it on our credit report. My husband and I called the XXXX XXXX we brought the car from and ask why is that, they didnt really say much they just told us oh yeah you owe {$2000.00} which we think it was absurd because our insurance company told us we do not owe anything because they payed off the amount that was left on the car even so we agreed to pay off that amount as an installment and ask if after paying that amount would it be removed from our report they say yes and still today this account is reported on my report and it have been effecting me deeply. Also I do see that on the report they say this account was late thats not true. We had automatic payment for this account every month they just take the money out of our account. Please I need this to be resolved. This is wrong thank you. 

Kind regards, XXXX XXXX
Product: Checking or savings account

Capital one bank Has not released Our Direct Deposit from paycheck and keep saying it's a technical issue but keeps promising " By end of Day '' and nothing has came. We have bills that's needs paying. I am afraid having my lights and water shut off.
Product: Credit card or prepaid card

Someone attempted to open a credit card at Target using my name and phone number. They had my address correct and name but incorrect drivers license and other information incorrect. Target called me and are not allowing the card to be approved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( OriginalCreditor : XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2019, I received an e-mail from the Bank with the subject line " Welcome to e-Bills from Bank of America Credit Card ''. It stated " Your Bank of America Credit Card bills have been set up to be delivered to you electronically through Online Banking '' and that billing has become " paperless '' or " electronic ''. I never authorized this - in fact - this has happened before, and I have complained to the Bank and given them a specific and exact instruction to never do this again. In the past, they apologized and did continue to send paper bills, but now they are pushing - again - for paperless without my consent, against my direct order and in violation of law. In this instance, I again informed the Bank that I DO NOT want paperless or electronic billing and will continue to receive my bills ON PAPER BY MAIL.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/year>, I fell victim to two multi-layered scam operations run by XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my account to Wells Fargo at the instructions of the scammers.
Product: Credit reporting or other personal consumer reports

PLEASE UPDATE MY CREDIT REPORT, I NEVER LEAVE WITH THAT ADDRESSES, PLEASE REMOVE IT FROM MY CREDIT REPORT