23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Bank of America replied to a complaint approximately 2 weeks ago. They did n't provide any individual treatment to the situation. I 've left two messages since the response was left on my VM and no one from BoA will return my calls. I have questions in regards to the solutions that do n't apply to my client. She is the XXXX of a military veteran who had a loan with BoA. The XXXX 's intention was not to keep the property because the spouse could not afford to keep it with two mortgages. BoA is the second lien holder and is refusing to work with the first lien holder unless my client turns over her financial information for them to conduct a loan modification on her instead of the borrower ( who is now XXXX ). My client does n't want to give a bank that she currently has no debt with her financial information because she feels she has a right to her privacy since she was n't on the first or second loan. She is only attempting to resolve the issues of her husband 's estate. BoA is choosing to dig into her personal financial information which may obligate her to pay for a loan she ca n't afford, while the first lien holder has completed the process for a streamlined short sale review ( not asking for any financial documentation from the XXXX ) but BoA refuses to cooperate. Now when I call and submit the account number the call is automatically directed to the person responsible for responding to the complaint but he never answers and has n't returned any of my messages. I 've left at least three. We 've worked out a deal to pay BoA the maximum allowed payment but they are playing hardball to XXXX a XXXX of a XXXX XXXX veteran. It is disheartening to think that BoA wants to punish my client for her husband paying this mortgage faithfully every month until he XXXX  ... even after my client paid the mortgage, without any reduction, until she could n't. If BoA continues to refuse to work with my client and agree to the short sale they will get nothing because the property is underwater and the first wo n't pay them anything. They are willing to accept nothing just to XXXX the XXXX of military veteran and that 's sad.
Product: Credit reporting, credit repair services, or other personal consumer reports

My most recent credit report shows that Hyundai Motor Finance ( HMF ) reported me as delinquent on an account that, according to the records I see on HMF 's website, was paid in full on X/XX/17, and is currently owned XXXX balance. I traded in my leased vehicle for a new leased vehicle 1 month before my lease was up. The remainder of my lease payments were rolled into the balance for the new vehicle and the remainder on the old lease was paid on X/XX/17. 

I have yet to contact HMF regarding this, as it is Saturday, and their customer service line and lease end support lines are closed until Monday. HMF reported my account to the credit bureau with no prior contact to me, written or otherwise, as to the delinquent status of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

BANKRUPTY NEEDS TO BE REMOVED ITS INNACURATE
Product: Checking or savings account

{$12000.00} is missing from my savings account.
Product: Debt collection

Why do you keep in reporting this fraudulent accounts in my credit report under EXPERIAN Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my request, It appears you are also abusing your power under the FCRA to escape a complete investigation. 

Here again is the fraudulent accounts that being reported : XXXX  account # XXXX bal is {$0.00} I'd like to request that you proceed with my original investigation request and send me the results within 15 days. As a result, I will legally and legitimately deny your " form letter, '' giving you only 15 days instead of 30.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account ending in 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. 

XXXX Mortgage XXXX granted me a XXXX XX/XX/2021 after a XXXX national declared emergency. I submitted all of my paperwork for a mortgage adjustment and hired VA 's from the XXXX lost my information causing an invalid negative reporting on my credit report. I disputed through all XXXX credit bureaus demanding a reinvestigation and XXXX XXXX stated incorrect information. I submitted loads of documents to prove my case. Transunion removed it then added it back without explanation. This is illegal and fraudulent. Then XXXX XXXX  sold my loan to refrain from pursuing further.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$590.00} XXXX  XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$300.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$700.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Almost 2-3 years ago this collection agency XXXX XXXX began sending me collection notice for a hospital bill that my XXXX paid for. The services were over 1-1/2 years old. XXXX told me there was no insurance information on file which was untrue. How did hospital get paid if no insurance. I have been going back and forth with them. The {$440.00} has negatively impacted my credit for years, even though Ive disputed it. I call and the number rings and then hangs up. Please help me I am a service connected veteran trying to get a home and this is impacting me tremendously. Blessings and Thank You, XXXX XXXX, XXXX, XXXX
Product: Vehicle loan or lease

I had an arrangement to pay {$260.00} to get the loan one payment up but unfortunately my check didnt drop until today. I called to pay and was told that they charged off the loan this morning. When I asked for options I was told to either pay in full or 4 months payments of {$6000.00}.
Product: Credit card

I received a text and email from Chase Bank notifying me about a potential charge ( possible fraud ). I responded in saying I had not made the purchase and received a reply that the next available fraud analyst would be giving me a call. Over XXXX hours later, no call .... I the called Chase were an Analyst was rude, could not answer why I never received a call and was completely misinformed about credit card protection laws, etc. Chase should not be in the credit card business, or banking industry as they lack or have broken fundamental, basic processes that are core to identity theft and fraud detection. I have since closed all my accounts with Chase and encourage others to do so.
Product: Credit reporting 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 Balance Owed : {$6500.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX  XXXX XX/XX/2022.
Product: Credit card or prepaid card

Capital one bank. Has been reporting to the 3 bureaus that I have two late payments. I contacted the company and had an agreement set up where, if I made a payment arraignment they would remove and not report any late payments. I completed that arraignment and have never been late again with them. Yet they continue to report those late payments XX/XX/22 XX/XX/22 are the dates of the payment being reposted as late. 

Pursuant to consumer law any company can not willingly report inaccurate information. Furthermore Im asking to have them remove that information. 

Capital one account XXXX
Product: Checking or savings account

I recently opened an XXXX  checking account and linked XXXX  consumer credit card with HSBC NA in XX/XX/2018. After making several charges on the card, any further transactions were declined as of XX/XX/2018. Since then, I have not been able to use the card OR access my online checking account. I have called repeatedly to HSBC and have been transferred to the security team ( XXXX ). This line simply puts me on hold for 2 hours and then disconnects the call EVERY SINGLE TIME with no one picking up. I have been calling every single weekday since XXXX, starting at XXXX EST, which is the opening time. I have NEVER had my call answered despite repeating this an average of 3 times a day. After being on hold for 2 hours, the line disconnects. If I try to call by the end of the day, I am placed on hold and then disconnected as of XXXX EST. Whenever I talk to anyone else at HSBC, they state that no one else can fix my problem and that is the only department that is authorized to handle this issue. They refuse to help and state that there is no supervisor, managing office, or alternate means of contact to resolve my issue. I am basically cut off completely from my checking deposits and credit card use. I have tried multiple other phone lines and twitter help. I have not had anyone attempt to call, e-mail, or text me for verifying fraud on my account, as is listed on the HSBC website. This is simply unacceptable!
Product: Mortgage

Our home mortgage loan was transferred from XXXX XXXX XXXX , XXXX to TIAA BANK, effective XX/XX/19. 

I set up a user name and password to access my account and was successful in doing so. I visited my account several times after the initial establishment of online access, but one day I could no longer log in to my account. I contacted customer service and I was told the reason for this problem : TIAA BANK can only be accessed with XXXX XXXX and my XXXX XXXX browser was incompatible, but their I.T. Dept. was " working on it ''. I was told if I wanted to gain access to my account, I should download XXXX XXXX. 

What gives?? I've NEVER heard of this from any company I do business with. It appears that TIAA is trying to steer me to use XXXX XXXX This sounds ludicrous, dishonest and possibly illegal. I don't want to download XXXX XXXX or anything else. I contacted TIAA through social media today again, after I tried to login to my account with no success. A CSR contacted me after a few hours, only to apologize for the situation and that their I.T. Dept. was still working on this problem.
Product: Debt collection

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my XXXX XXXX and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Product: Mortgage

I am long-time customer of Ditech mortgage company. Recently, XX/XX/2018, I found out that Ditech overcharged me on my escrow. They sent me notification that I'll receive a check for {$410.00} back and few days later, XX/XX/XXXX Ditech representative assured me that check was mailed. Few weeks later, no check yet so I called Ditech and they said that most likely that check was lost and they will re-issue another one which they said they did on XX/XX/2018. I called them on XX/XX/XXXX and was told that check was mailed on XX/XX/XXXX and I should receive it in 5-7 business days. Today is 10 days and still no check. During this ordeal I called Ditech on multiple occasion and diferent representative had different information. Not even once Ditech had an integrity to stand up behind their promises! I am a retired senior citizen and had been making my payments always on time and this is the worst abuse I've ever experienced as a consumer! Ditech not only overcharged me but now refusing to pay back and lying that they did while in fact they didn't!! I don't believe that all the mail is delivered ( including sensitive mail and checks ) and only checks from Ditech get lost one after another one!
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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, credit repair services, or other personal consumer reports

My grandmother added me to her credit card. The card reports to XXXX  and XXXX, but not to XXXX. Can this be corrected?
Product: Debt collection

Hello my name is XXXX XXXX XXXX I would like to file a complaint against XXXX XXXX XXXX XXXX Supervisor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX They sent my account to a collection agency called Aspen National letter was sent XXXX to a po box no longer valid my neighbor got my letter months ago @ an address I only lived for a year I called Aspen @ XXXX on XXXX spoke to XXXX XXXX he advised he was the collections manager gave him account # XXXX he advised past due fees where {$1900.00} this included {$1200.00} time share maintenance fees and {$360.00} their collections fees and the rest was late fees from the XXXX XXXX XXXX XXXX I asked him if late fees can be waived in order for me to bring this current, he said they dont waive any fees that would be up to XXXX XXXX I advised him I would call back. I e-mailed XXXX advised them of the situation if they could assist they replied to call XXXX XXXX spoke to XXXX advised of the situation she advised no fees would be waived I asked her do you are refusing to take any $ from me in order to bring this current and she said yes I asked for her supervisor she just said her and is XXXX you can just e-mail us then hung up. I also received and e-mail from XXXX XXXX owner services supervisor stating they would not waive any fees refusing to take any $ to bring this account current and just said to call the collections agency. XXXX XXXX has poor communication when it comes to its costumers when the maintenance fees are due I had to e-mail them to obtain a copy of the contract in order for me to get this info. I am willing to bring this account current but I need all late fees waived since I wasnt notified on time fans for me to prevent this account from going to collections.
Product: Checking or savings account

On XX/XX/2023 I received a letter from navy federal credit Union Stating that they denied my fruad claim for {$5100.00} Navy federal credit Union provided no explanation. Under the FCRA Upon request The creditor is supposed to provide verifiable documents regarding their decision. 

I have been notified from XXXX and the credit bureau XXXX That my personal information has been located on the dark Web. 

Navy federal credit Union is fully aware that I am a previous victim of identity theft and my account was Previously compromised Which is the reason why I have a code word to access my account via phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/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 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, credit repair services, or other personal consumer reports

I have disputed information with Experian on 3 separate occasions and have not been given any proof of verified information other than a message saying " information has been verified as accurate ''. The information that has been disputed are for the following accounts. It is my right that under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. The accounts that have been disputed are as follows : 1 )  XXXX XXXX  act # XXXX 2 ) XXXX XXXX act # XXXX 3 )  XXXX  XXXX act # XXXX 4 ) XXXX XXXX act # XXXX Initial formal digital dispute was done on XX/XX/2020 and Experian recognized the dispute on XX/XX/2020 and XX/XX/2020 ( as you will see in enclosed photos from their dispute center the recognition of the dispute, as well as a copy of the initial dispute that was uploaded ) 2nd formal dispute was sent via certified mail on XX/XX/2020 ( I have enclosed a copy of the receipt from USPS which verifies the tracking number # XXXX. Also enclosed is a copy of the 2nd dispute letter that was sent ) 3rd formal dispute was sent via certified mail on XX/XX/2020 ( I have enclosed a copy of the receipt from USPS which verifies the tracking number # XXXX. Also enclosed is a copy of the 3rd dispute letter that was sent ) I have NOT been provided a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

Experian has done nothing more than " update '' information that is not has not been proven to be mine or valid, or " verified '' that the information is correct. I have also enclosed a letter from 1 of the alleged creditors showing that they did not even open an investigation on 2 of the 3 disputes. Therefore, there is NO POSSIBLE WAY that Experian appropriately " updated '' or " verified '' the information they are reporting on my credit report. 
Several of the aforementioned accounts have already been removed from the other credit reporting bureaus for an inability to verify the validity and provide the legally required documentation for support as required by law. Further supporting my claims that Experian is falsifying to me that the information has been " verified '' as it is legally required by law that the creditor agency share the exact same information with all 3 credit reporting agencies.
Product: Debt collection

Subject : Request for Debt Validation and Verification Dear USAA FEDERAL SAVINGS BANK I am writing to request validation and verification of the debt you claim I owe, as detailed in the information on my consumer credit report. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request proof that I am legally obligated to pay this debt. 
Please provide the following information : The amount of the debt, including an itemized accounting of fees, interest, and other charges. 
The name and address of the original creditor. 
A copy of the original signed agreement or contract that created this debt. 
Evidence that you are legally authorized to collect this debt on behalf of the original creditor. 
Copies of any judgments or legal documents related to this debt, if applicable. 
Proof that the statute of limitations on this debt has not expired. 
Confirmation of the current holder of the note, and if applicable, a copy of the note bearing my signature and documentation showing the transfer of the note to the current holder. 
A copy of the initial communication sent to me regarding the debt collection, including the date and method of communication. 
I also request that all collection activities cease until this debt is validated and verified as required by law. Please respond to this request within the XXXX period specified by the FDCPA. 
Sending this request is not an acknowledgment or acceptance of the debt, nor is it a promise to pay. I reserve the right to dispute the debt further if the information provided is inadequate or incorrect.