23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My complaint is mostly about the 2months without a payment in between the closing and the first mortgage payment due. I was told that I wouldn't have a payment until after 2 months from closing on my loan. My first closing date was supposed to be XX/XX/2021. But that didn't happen and when I called Mr. XXXX ( Loan Depot ) told me he didn't know why it changed but for me to keep paying my former mortgage company so I wouldn't affect my credit on a late payment. So in XX/XX/2021 I made my mortgage payment of {$1300.00} to XXXX XXXX. Then two days after I made that payment, Loan Depot gave me a closing. Then Loan Depot sent me a mortgage note to pay my first mortgage to them on XX/XX/2021. I called them to ask if this was a mistake since I made a mortgage payment for XX/XX/2021 that should make my first payment in XX/XX/2021 to give me the two months without a payment. Mr. XXXX XXXX told me that the XXXX note was correct and that I had to pay them in XX/XX/2021. So I asked them for my XX/XX/2021 since they should have paid that to XXXX XXXX in my closing. He informed me that they don't owe me and I would not be getting that from them. Also, my " cash back at closing '' changed several times as I was sent closing disclosures saying I would receive {$11000.00}, then {$11000.00} and I actually received {$11000.00}. When I called about that they said that they made a mistake in the calculations. I due believe that it is Loan Depot that owes me my XX/XX/2021 mortgage since I didn't have my 2 months gap before my first mortgage payment was due. And that every money " mistake '' was in their favor.
Product: Debt collection

I am writing to you, your company, its partners, and affiliates that I am rescinding and opting out of your company sharing my personal and private information. 

As of today XX/XX/2022, XXXX, I no longer give your company, its partners and affiliates knowingly or unknowingly consent or permission to share my private information. Also, I do not have a contractual obligation to your company as I have never signed a contract with you, nor gave you consent to have any of my private information. 

I am a consumer and consumers have the right to privacy. Privacy is defined as the right not to have ones personal matters disclosed or publicized ; the right to be left alone. In addition to consumers having the right to privacy your company is in violation of UCC9-109 ( d ) ( 5 ) which states that no creditor can transfer an assignment of accounts, chattel paper, payment intangibles, or promissory notes which is for the purpose of collection only. 

Which is what your company Fair Collections & O XXXX XXXX is doing by demanding I owe an alleged debt you were prohibited to take this account in the first place but you decided to buy this alleged debt anyways, Therefore I demand your company, its partners, and affiliates to remove the collection account from my consumer report for infringing my right of privacy within 10 business and I prohibit your company from transferring this account to another debt collector.
Product: Mortgage

This is regarding my father 's home.He XXXX XXXX in XX/XX/XXXX.I was the executrix of my father 's will and continued to make payments, it was n't until the court appointed an administrator that everything bad happened.The administrator was hstile toward the heirs and since he is a friend of the judge 's, the judge never made him accountable to anybody.When I learned that the house was going into foreclosure I got my own attorney to negotiate with the lender but since I did n't have authority the mortgage company did not talk to us.I tried numerous times to talk to the administrator but he never contacted me.I did not know that he never attempted to negotiate with the lender and the next thing I know there was a date set. 
The administrator who was the only one with authority to talk to the lender wanted to unlawfully evict my sister, who has lived in the house over 30 years.He called the lender and told them to winterize the property, I believe that there was collusion between the parties.The mortgage company send XXXX XXXX and instead of putting a notice on the door, the removed the front door and damaged the interior door and proceeded to winterize the property even though there were signs in the house that it was occupied.XXXX XXXX also robbed our home of all of our family possessions.My family came from XXXX XXXX and all the heirlooms were stolen.I called XXXX and told to repair the damages and return our belongings but was told only the mortgage company could authorize that.XXXX changed the lock on the front door and they had the key, they have broken into our home a total of 4 times.I called the police only to be told its not criminal but civil.I filed a complaint with the ohio attorney general and was told to complain here.Someone has to hold these companies accountable.Just because you get a mortgage does n't authorize them to break into your home and steal and do damage.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and TransUnion.in 2022 took XXXX points off my XXXX XXXX for a late Mortgage payment that happened when my mortgage company sold my mortgage to a new company. I disputed that to no avail and accepted the penalty. BUT NOW, EACH yr since the credit bureaus have taken another XXXX points from my credit score in tandem equaling XXXX points, for the SAME LATE PAYMENT. That '' 's WRONG.
Product: Money transfer, virtual currency, or money service

Was unable to reach customer service representatives regarding disputes for refunds I was expecting. Also not clear on the companys names of certain charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account should be removed from my credit report I do not owe this debt. 

XXXX XXXX XXXX Opened XX/XX/XXXX + {$910.00} Original creditor : XXXX XXXX and XXXX XXXXXXXX XXXX Opened XX/XX/XXXX + {$1200.00} Original creditor : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent a letter on XX/XX/2022 to XXXX XXXX however its been more than 30 days and the credit bureaus failed to send my investigation back this is not making any sense. 
according to the law 15 U.S.code 1681 i procedure in case of disputed accuracy in the completeness of accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute, the agency shal, free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ) before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller
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 Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a 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: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX around XXXX I went to TD Bank in XXXX RI I went through the drive thru and tried to deposit {$400.00} the atm machine in drive thru the screen went blank it didn't return my money or receipt but it did keep the {$400.00} .I immediately went inside and spoke to the manager that was working that day. 
At first she didn't believe me but I explained to her that I'm on camera and you can see me depositing the money into the atm. She had me fill out a complaint form. The next day I get a call from the manager she said they found the money and deposited back into my account. 
On XX/XX/XXXX I go to TD Bank on XXXX XXXX RI I go to the drive thru at about XXXX XXXX I forgot that, that one doesn't have a teller so I used XXXXhe drive thru atm, I deposited {$400.00} again the machine takes my money I go inside I explained to them what happened. I had no issues because again I'm on camera and I believe the employees where watching me when I pulled to atm .The next day I get a call from this branch stateing that they deposited the money. 
I get a letter in the mail stateing the transactions that took place and how they deposited the money which adds up to {$800.00}. 
On XXXX I get a letter in the mail stateing that there was a second investigation and that they'll be taking the {$800.00} dollars back. 
Since then I called made complaints tried to speak someone in a higher position before I took further action. Noone has contacted me or emailed me about this situation at all it's been about 7 months nor returned the {$800.00}
Product: Mortgage

For the second time now Carrington Mortgage has come through on my bank account 2 days earlier ( agreement date is the 16th of every month ) then our agreed upon date. Causing overdrafts as well as locking up my account. Their document, which I have attached is by Carrington, clearly states the money will never be drafted prior to date submitted on AHCAuthorization form, XXXX : //www.carringtonms.com/XXXX-ACHAuthorization.pdf Per Carrington 's agreement form : " Once your Automatic Payments have begun, your payment will not be debited prior to the dates you selected on the authorization form. However, payments may periodically be delayed by weekends, holidays or administrative interruptions. You understand that CMS will continue to debit my account for the full term of your note or until you provide notice that you wish to cancel automatic payments ''. 

I called them the first time this happened and they assured me they'd correct it but they did not. I called bank this morning and they told me they have nothing to do with the date the payment is withdrawn and if it's withdrawn early ; it is because the mortgage company sent it early. *Bank Statement on XX/XX/18 attached and shows overdrawn status.
Product: Credit reporting or other personal consumer reports

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they XXXX have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Product: Credit card or prepaid card

I am past due on my closed credit card account. I have spoken with a representative at Bank Of America regarding statements from when my account was in good standing. As stated by the representative further supported by their online customer portal specifically requesting documents I should have access to my previous statements. I understand that how loans and credit are both extensions of credit, how they are advanced and repaid differentiates one from the other. Online portal states 6 years of statements and only loan or trust accounts could be limited. Access to my statements are being withheld without notice from the lender this would be a consequence of defaulting on payments. I have been working on gaining access to these statements for over a week now.
Product: Vehicle loan or lease

Ever since Friday l have been trying to tell Honda financial  to please allow me to pay the past due balance in order to have my vehicle back and continue with payments but the refuse to make any kind of deal with me l spoke with the only representative name lore and she hung up the phone 3 times at me all they want me to do is to pay off the full amount remaining in my account but they wont explain me why do l have to pay all that amount if my interest rate is for 0.90 percent annually for that amount off XXXX what it means that the correct amount is XXXX annually of interest rates my car was reposed because l miss two payments l was trying to explain why l missed those payments but they dont want to help me and l was trying to tell them that according to the contract l have the right to pay the past due balance and the fees and get my car back but they refuse to do that l also spoke with the supervisor name XXXX and he also was very ruled and he refused to help me at any way possible this is my second car with XXXX and l never had any problems before until right now with this Honda financials and is not right that l have to lost my car just because they dont want to do what they have to do and that is to allow me to make the payment off past due balance and get back on payments is been so many days and is going to be very Spence to get my car out from repo place all because they refuse to fallow the contract and keep my rights l really hope that l finally get some help true this complaint because l really need to get some one to hear me at ones
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am writing to make you aware that I have been a victim of identity theft and am not responsible for the following accounts ; XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am demanding deletion of these items from my credit report. I have already reported the theft of my identity to both the Police and Federal Trade Commission and I also have enclosed copies of the Police Report and Federal Trade Commissions Identity Theft Affidavit for this case. 
Section 605B states that if A account is the result of identity theft, then it must be removed from my credit report. 


THIS REQUEST HAS NOT BEEN MADE IN ERROR I DID NOT OBTAIN POSSESSION OF GOODS I DID NOT RECEIVE SERVICE OR MONEY AS A RESULT OF ANY TRANSACTION ISSUE. 
THIS IS ME ( XXXX XXXX XXXX ) SENDING IN THIS REQUEST DO NOT SEND ME A STALL LETTER ABOUT ANY THIRD PARTY OR CREDIT REPAIR COMPANY I HAVE INCLUDED MY IDENTIFICATION
Product: Bank account or service

Umpqua bank allowed a transaction of {$180.00} out of my checking account from a garnishment, then charged me an additional {$120.00} in fees. My paycheck that Friday was only {$300.00} and my checking account consisted of only XXXX dollars and change prior to my direct deposited check. They wiped my entire account to XXXX balance then closed it. When I requested all funds be refunded as that was my very last paycheck prior to going on XXXX which could take weeks to process prior to receiving any payment at all. I 'm a single mom with now not a dime to feed, clothe or shelter my own children. I did not have the funds to garnish, I did not have a phone call, a letter or any notification of this transaction and if I had I could have paid the garnishment and at least had XXXX to feed my children. This was a violation of my rights and should be illegal,, I 've been robbed from my own financial institution who I have trusted. This bank is refusing to help me in this matter in fact blaming it on the creditor XXXX, stating they should be responsible for the fines and fees ... .but here 's my question " should n't the creditor and the bank allowing a garnishment have the same laws set before them to fully understand the allowed amounts to be taken according to the amount in the account? They took more than double 25 % of my wages that week and Umpqua finished my account off after. They are XXXX.
Product: Debt collection

My personal information was leaked in the XXXX and XXXX XXXX data breach and my personal information has fallen into the wrong hands. I would like for the fraudulent open XXXX Bank account and fraudulent hard inquiry to be removed from my XXXX, XXXX and Experian credit report immediately.
Product: Credit reporting or other personal consumer reports

I'm alerting you to fraudulent personal information linked to my identity. Accounts and transactions have been wrongly attributed to me without my knowledge or agreement, causing me significant worry. I'm a victim of identity theft and have already reported this. It's vital to address this quickly, as it's harming my finances and reputation. Please help by swiftly removing all fraudulent info from my credit report and thoroughly investigating this. I'm ready to provide any needed evidence and, if necessary, take legal steps to defend my rights and seek compensation. Your quick action on this urgent issue is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX, and I had retail installment agreement with Capital One Auto Finance. I called and mailed Capital One several letters and correspondence of my financial hardship during this Covid-19 health crisis and recission that has impacted the entire world. In the year of 2021 due to extreme medical prognosis and contracting XXXX, I became seriously behind on my obligations. Although I made a mistake by falling behind, before contracting XXXX I also maintained a stellar record, by making all payments on time. I understand the importance of that and dont want to damage my relationship with Capital One Auto Finance . I am currently in the process of purchasing a home for my family, but I am finding out it is extremely difficult to obtain an affordable interest rate because of the negative impact this late payment has caused on my credit worthiness, Im requesting an Accommodation under the Cares Act.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit, which has highlighted significant issues with the platform. 

Despite using Zelle on numerous occasions and reporting discrepancies involving fraudulent transactions, both my financial institution and Zelle failed to properly investigate my claims. I was informed that recovering lost funds was impossible and that tracking these transactions was unfeasible. 

The CFPB 's findings underscore that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is deeply troubling and raises serious concerns about the platforms commitment to consumer safety. 

I urge you to take immediate action to address these issues and ensure that proper safeguards are put in place to protect consumers from further harm. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Debt collection

I called to have all the old accounts removed and they wouldn't do it plus, they wanted me to pay for all of them again I want all of them off my credit report now I want all the old accounts off my XXXX credit report now!!!! 
This is XXXX XXXXXXXXXXXX XXXX my credit scores!!! 
XXXX XXXX XXXX XXXXXXXX XXXX, this is XXXX XXXX what you people let the credit card companies get away with!!! 
Thanks Take care
Product: Credit reporting or other personal consumer reports

I recently discovered that my credit report with XXXX, Trans Union, and XXXX contain account transactions that I do not recognize. The information contained in the reports do not match any transactions made by me. I have also been receiving calls from creditors which I know nothing about. 

Because of this, I have filed an XXXX XXXX report. I never gave any written consent for any of the companies being reported to furnish any of my identifying information to credit reporting agencies. I also never gave XXXX, Trans Union, and XXXX any consent or authority to obtain and utilize my identifying information. The credit reporting agencies are supposed to take reasonable procedures to ensure that they have proper consent and authority to report a consumer 's identifying information. 

I am not happy that my identifying information has been compromised and that the credit reporting agencies have overlooked this. These actions are considered to be criminal and are completely unfair to me.
Product: Vehicle loan or lease

I applied for a vehicle refinance loan for a new vehicle purchased in XX/XX/2020. I completed the application accurately and was told my loan was approved. I called the toll-free number provided by Bank of America to complete the process. The loan officer confirmed some information but informed me there was a question about my address. He put me on hold and spoke to underwriting. The underwriter told him they could only verify my previous address and therefore would not be declining my loan. Here is the base of my complaint : 1. They originally approved my loan and provided me instructions on what to do next 2. I have lived at my current address for almost 3 years 3. My wife and I have credit cards with Bank of America at this current address 4. I routinely receive credit card offers from Bank of America mailed to me at this address 5. I have multiple loan products at this address - including the car loan in question as well as my mortgage ; as well as the credit cards with Bank of America 6. They provided no remedy for my situation - the car registration and payoff letter they require for the loan has my current address on it Their process is antiquated and misleading. My credit is accessed and a possible inquiry against my credit has occurred. They initially approved the application then decline it with no reasonable method available to resolve the issue. An address discrepancy is easy to rectify against the documentation they require for the loan in the first place ( registration and payoff letter ). I understand bankXX/XX/XXXX XXXX, and fraud mitigation processes as I have been in the industry for over 20 years. However, their practice of approving a loan then denying it due to misinformation within their own system is unacceptable. Being approved then denied even though they have the correct information on file is misleading. A credit inquiry for a loan denied for the reason they provided is harmful to consumer credit ratings.