23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This company has been giving me the run around for years now, and there seems to be no solution with them. XXXX gave me a predatory loan, and the court also knew that the loan was fraudulent. They have closed their door and supposedly transferred my loan to XXXX, also Newrez. I am doing everything to keep my home, and they do not want to modify my loan or look at my paperwork to help me catch up. I am tired of getting the runaround and not getting any younger. I am only looking for a solution, and they are trying to fraudulently take my home by raising the prices and adding unnecessary interest, knowing that I can not afford it. I need a Gap Accounting of the full loan and have not received any paperwork to this date
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate reporting of late payment on my credit report, specifically concerning the account referenced with Name : XXXX XXXX XXXX # XXXX Date Opened XX/XX/XXXX, Date of Last Activity XX/XX/XXXX, Credit Card upon thorough review, I have identified discrepancies in the reporting, and it appears that there may be a violation of the Fair Credit Reporting Act ( FCRA ). The reported late payments on the aforementioned XXXX are inconsistent with my payment history. I would like to bring to your attention that, to the best of my knowledge and records, I have consistently paid this acepunt on time, in ascordance with the agreed-upon terms. It is my understanding that per XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) ( ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15. Reference to PAANL ( Paid As Agreed Never Late ) : The terms of our agreement have always been adhered to, and the account in question should reflect a status of " Paid As Agreed Never Late based on the timely payments made. it is imperative that my credit report accurately represents my financial responsibility and commitment to mesting payment obligations. I hereby request that you provide documented proof supporting the claim of late payments on this account. This proof should include specific details such as dates, amounts, and any relevant communication indicating that the payments were indeed late. In the absence of valid proof, I expect the credit reporting to be rectified promptly. if, after a thorough investigation, you are unable to provide verifiable proof of late payments, I demand that the account be promptly updated to reflect its accurate status as Paid AS Agreed Never Late. ' Per the FCRA, 1 request that you conduct a timely investigation and provide a written response within 30 days frow the receipt of this dispute letter. Failure to adhere to this timeline will be considered a violation.
Product: Bank account or service

I discovered that an unauthorized ATM deduction transaction was made from my account. I reported it to the bank. The claim was denied next day. I called the claims department and the representative explained that the transaction was correct because my debit card has a chip technology and it can not be copied by theft. Can you please help me to return my money?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  should not be reporting that I am ( 120-180 ) days late on the XXXX XXXX XXXX   partial account number XXXX and XXXX. ( Please see pages attached from my credit report. ) These student loan accounts have been deferred and reporting these items as late is a violation of the Fair Credit Reporting Act. The FCRA mandates that items need to be reported accurately on a credit report. I have attached a copy of the deferment letter for reference. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit card or prepaid card

The company failed to close the account when I returned our cards and they continue to allow charges to the account which are not legitimate even though their own investigation disclosed that they are not purchases that we made.
Product: Student loan

I've got a student loan for my son in XXXX and I've being paying for it sins then. The loan was sold a couple times. My current Servicer is AES sins XXXX. I've asked them in the past to send me amortization letter to better understand what exactly I'm paying for. I thought Truth in Lending Act requires lenders to provide you with loan cost information, by they told me they don't do this. So they kept me in the dark. So convenient! 
My son has passed, but I still make accurate payments. Over sudden I've got email from them stating I have to pay almost double amount monthly. So I called. The Lady told me THEY JUST FOUND OUT I was paying interest only for all this time and now it's time to start repaying the principal. She said it was not only me, there are thousands like me in the same situation. What a surprise! For all this years I didn't know I'm making just an interest payment. To know that thousands of us are in the same situation doesn't help. 
They also lowered my interest rate down to 4 % a few years ago, but on statements it's still shows 4.25 %. The same Lady told me don't worry, we charge 4 %. How do I know? I don't trust them. 
I fill now like they rip me off.
Product: Credit reporting or other personal consumer reports

requested an explaination in complaint id XXXX regarding XXXX. They took longer than 30 says. They claimed as verified but did not disclose the steps they took to verify the information as per FCRA law 1692G
Product: Debt collection

XXXX sent a collection of about {$600.00} to a collection Agency in XX/XX/XXXX. This Optimium Outcome Collection company sent collection requests to all XXXX credit bureaus and damaged my credit score!!! The debt of {$600.00} has already been PAID OFF by my health insurance company in XX/XX/XXXX!!!!!!!!!!! I called together with my insurance company to XXXX ' billing department in XX/XX/XXXX, and they confirmed that it was their mistake and they had already received the payment in full in XX/XX/XXXX. I do n't know XXXX they sent to this to the collection agency again!!!!!!!!! I request monetary remedy from both XXXX and Optimum Outcome for damaging my credit with their mistakes!!!!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 12th 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 XXXX XXXX, MD XXXX XXXX  XXXX XXXX Balance : {$4700.00} XXXX XXXX Balance : {$11000.00} XXXX XXXXBalance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} TRANSUNION : XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXXBalance : {$0.00}
Product: Credit reporting or other personal consumer reports

I have unauthorized inquires listed on my credit report. 

I have 4 listed on Equifax and 1 listed on XXXX. 

These inquires need to be removed asap. 

According to the FRCA, unverified and unauthorized items must be removed. 

XXXX - XXXX - XX/XX/XXXX Equifax = XXXX XX/XX/XXXX Equifax Mortgage Ser = XX/XX/XXXX Equifax Mortgage Ser = XX/XX/XXXX Equifax Mortgage Ser = XX/XX/XXXX
Product: Credit card

I am not sure if this is the correct place to make this complaint or not, so please redirect me if it is not. Some months ago, I was sent via email and regular mail, an offer from Citicards that if I used CitiCards with XXXX that I would earn 10 times the XXXX XXXX XXXX miles that would normally be earned, up to a maximum of XXXX miles. I was an existing Citicard XXXX card member. 

The offer was good upon enrollment and ended XXXX/XXXX/2015. So I enrolled in XXXX and used the XXXX option. I checked my statements and noticed that there was no bonus miles being awarded for using the apple pay for eligible purchases. So I called the customer service for the card at Citibank on XXXX XXXX and the agent had to check what was going on. He came back on line and said the program was never initiated because of a disagreement between XXXX and XXXX XXXX. He apologized that customers who enrolled were not notified and offered me XXXX free miles for my trouble. I had already earned an expected number of free miles greater than that, but accepted the offer. I asked why customers had not been notified and he had no idea. 

My problem is that Citi was earning merchant fees and maybe interest under a false pretense that they were awarding bonus miles to the customer, even when they knew the program was not in effect. Unless someone carefully checks their statements they have no idea that the bonus miles are not being awarded. This is not right. It would have been relatively easy to notify enrolled customers about the program cancellation via email, but this was not done. Who does someone make a complaint about this to? Thanks for any help. 

XXXX XXXX
Product: Credit card or prepaid card

Hi My daughter was given an American Express gift card for her XXXX XXXX. It was for XXXX dollars. We cracked open the sealed envelope that it came in and went online to register it. We see that the balance is only XXXX because someone used the number at a health store. I called amex to explain that the charge is not ours and can't be ours because we never revealed the numbers until today. So it seems that people have found a way to input random numbers and use amex gift cards fraudulantly. I called amex and they said the policy is that they will not take any action and it is our problem, not theirs. I spoke to a supervisor and she said the same thing. So basically, you walk into XXXX and purchase a sealed amex gift card. You go to use it and if someone punches in gift card numbers randomly and get approvals, you loose the money. I believe that is even against the federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit was accessed on the dates described by the companies listed below without my authorization. I currently have a credit lock on my credit profile with Experian. On XX/XX/XXXX, I addressed the unauthorized inquiries with Experian and was told that inquiries could not be removed, which is a violation under the law. The unauthorized inquiries are as follows : 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 XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I'm reporting the XXXX XXXX XXXX ( https : XXXX ) as well as Linebarger Goggan Blair & Sampson , LLP Attorneys At Law XXXX XXXX XXXX XXXX  ) for not ceasing and desisting according to ( 20 U.S. CODE SECTION 1234e ), to collect a presentment that was already dealt with in court- WHICH HAS BEEN PASSED THE TIME OF 3O DAYS LENGTH. and they disregard XXXX XXXX, which means they don't even know what the definition of a crime is. I reported them to the XXXX as well as to the CFPB. I hope that your department would be help to this situation, because they don't have consent from me to attack any of my rights, because I RESERVE MY RIGHTS UNDER ( UCC 1-308 WITHOUT PREJUDICE ). They seem to over look that, and It's a violation. 

Sincerely, XXXX XXXX SEE ATTACHMENTS. 
( 42 U.S. CODE SECTION 408 ), ( 18 U.S. CODE SECTION 1001 ), ( UCC 3-104 ), ( HJR 19XXXX ), ( 15 U.S. CODE SECTION 1602g ), ( UCC 1-308 ), ( 28 U.S. CODE SECTION 2007 XXXX AND ( SECTION 242 OF TITLE 18 ). 

Linebarger Goggan Blair & Sampson, LLP XXXX XXXX XXXX XXXX XXXX, TX XXXX Hung up on an investigation in regards to a fraudulent collection. In which they refuse to drop charges against me. I owe no debt, as was told to them. corpus delicti Primary tabs XXXX XXXX is a common law XXXX phrase that translates to body of the crime. The phrase generally refers to the principle that no one should be convicted of a crime without sufficient evidence that the crime actually occurred. The rule began in part to prevent the government from punishing individuals for a crime solely based on their confession, which in many cases were false and driven by coercion. In modern practice, corpus delicti requires that the government have enough evidence showing that the essential parts of a crime occurred before they can even charge an individual. If the corpus delicti bar has not been satisfied, the government can not prosecute an individual. Much litigation arises on exactly how much corroborating evidence must show a crime actually occurred before corpus delicti is satisfied and rules vary based on the jurisdiction and the nature of the case. Some states require or used to require that corpus delicti be proven completely separate from the statements of the accused. However, some states such as California allow the statements to be considered alongside some corroborative evidence, and if the statements occurred during the commission of the crime, there may be no requirement for corroborative evidence at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX  violated my 609 rights by reporting incorrect information to XXXX  regarding my credit file. XXXX  further violated my rights by adding this incorrect information to my credit profile for others to see. 


XXXX XXXX/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 XXXX XXXX XXXX reported to XXXX  that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses corrected on my report. This is a violation of my consumer protection rights.
Product: Mortgage

I applied for a mortgage with First Republic Bank for the amount of {$470000.00}. I was approved for the mortgage and received a disclosure containing a rate of 2.85 % for 360 months. The rate contained in this disclosure was contingent upon opening a non-accruing checking account with First Republic and maintaining a balance no less than 10 % of the loan amount or {$38000.00} for 2 years, with the loan amount being {$380000.00}. A subsequent disclosure was dispatched detailing an interest rate of 3.1 %, a modest increase, but one that carried significant repercussions over the lifetime of the loan. The initial dispatch of the preferential disclosure was alleged by a bank representative to be a 'mistake '. 

It was later revealed to me further along in the process that in addition to maintaining a balance of {$38000.00} for two years, that I'd need to switch my direct deposit to use this account, as well as opt into automatic payments from this account for the monthly principle and interest. This treatment effectively ensured that I'd need to terminate my relationship with my current primary bank, which I ended up doing. 

As a first time buyer with a credit score exceeding XXXX with all reporting agencies, I was surprised by the onerous terms imposed upon me in order to secure this mortgage. I have never in my financial history declared bankruptcy or defaulted on a loan. These requirements effectively nullify the benefit of securing the preferential rate, as the required balance loses significant value to depreciation to in the first 24 months of the mortgage.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to bring to your attention that Equifax has unlawfully re-inserted an account on my credit report, which had previously been deleted. This account is the result of identity theft and should have been permanently blocked and removed under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ).

Equifax is in violation of FCRA 611 ( a ) ( 5 ) ( B ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) regarding the re-insertion of the previously deleted account.

Additionally, Equifax is unlawfully reporting fraudulent inquires on my credit report. These inquiries are the result of identity theft and should be permanently blocked and removed under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ).
Product: Debt collection

Effected by covi d 19.

Contracted XXXX XXXX in XX/XX/XXXX, was effected until XX/XX/XXXX. It's still an ongoing battle struggling with my XXXX health which took a hit as a result of hardships created by covid 19. After loosing my job in XXXX because I caught XXXX  and it wasn't really a thing yet that employers understood or recognized then. I became XXXX and have been under the care of doctors since that time. I have no memory of opening this account or making payments towards it. I have asked for verification from XXXX that I opened the account. They have sent me zero evidence that I opened the account. Their only response was that it was an online application, but sent me zero verification that I opened it. If they could prove to me that I opened it, that I spent money on that card, and that this wasn't the result of identity theft I would gladly make arrangements to pay it, and ask that they respect the cares act, and remove all late payments .... BUT first I need verification from XXXX that I actually opened the debt. During this same time frame there was another credit card that was opened and investigated that was the result of identity theft. I am a verified victim of identity theft, and would appreciate the added assistance I need to verify the debt is legitimate from XXXX. I do not feel that this is too much to ask. Especially for one effected by XXXX  and identity theft all at the same time. Thank you in advance for the help you gave me during these extremely troubling times.
Product: Bank account or service

I open an account for my XXXX Daughter wicht I specif made clear that the account has Not Ovedraf and No over drawn privileges. It is on the account contract., but Bank of America have taken almost {$200.00} on overdraft fees
Product: Credit card

The company continues to lock my card and giving access to members other than myself without my permissions which causes my card to be locked continuously bringing me in and out the banks to come in and verify are you the man at the bank or what - XXXX  I am asking the company to look into BOA and my general name and social security as the company has been doing illegal things such as holding claims, falsifying information, and also stating false claims as far as my purchases and stating I am scamming
Product: Mortgage

I refinanced my home during XX/XX/2020 and received a noticed from the company that I refinanced with dated XX/XX/2020 that my loan 's servicing was being transferred to Nationstar Mortgage LLC d/b/a Mr. Cooper The letter indicated I would be receiving correspondence from Mr Cooper " in the next few weeks. '' I have not received any correspondence to date from them, and attempts to contact the company have been unsuccessful via creating an account on their website and using the phone number provided on their website to contact them ( I get hung up on immediately ) I am now sending them a letter via certified mail asking for resolution but do not have any confidence that this will occur, especially given they underpaid my Homeowner 's insurance and had I noted made an additional payment to the Homeowner 's insurance company, that would have been canceled as well. I have attached the letter I am sending.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted repeatedly to Equifax and XXXX to remove some identity theft accounts from my credit. I have also sent in the Identity theft report and the police report. They are refusing to remove these fraudulent accounts from my report
Product: Mortgage

I submitted a complaint XXXX XXXX, XXXX ( Case number : XXXX ) attempting to resolve an issue with a home equity line of credit with Countrywide that ended up with Bank of America. An attorney from an XXXX practice replied, so I thought it was third party, but later I found out they were representing B of A. I replied to the inaccuracies of that initial response letter, but was never given the opportunity to talk with anyone with authority to resolve the issue. XXXX XXXX, XXXX I wrote same attorney again since I never heard from B of A and the 6 month extension the foreclosure attorneys had filed in XXXX had passed. AGAIN I asked to pay the money I owe. On XXXX XXXX I received a motion for summary judgment. XXXX suggested I call the filing firm, XXXX XXXX XXXX XXXX XXXX XXXX, to request a settlement. I was told the figures in the motion that was filed on XXXX XXXX are not accurate, that they reflected figures from XXXX XXXX, which does n't make any sense to me. I was told I can negotiate only with B of A. I have called XXXX XXXX for XXXX XXXX and their supervisor XXXX on XXXX, then her supervisor XXXX XXXX on XXXX, then her supervisor XXXX on XXXX & XXXX.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX