23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Approximately three years ago I submitted a complaint against First Niagara Bank about multiple overdraft fees that resulted in a negative balance. I refused to pay it and the account was closed.Yesterday I received a check in the mail from them stating I am due {$140.00} returned to me. However because my account was negative at the time of closing they deducted that amount and the check was for {$24.00}. Essentially they took back the fees they were ordered to return, as my account would not have been negative had they not charged me the fees that should never have been charged in the first place.. I have tried contacting them to no avail. In fact the phone number they included with the check is not viable, gives options for ridiculous questions, and they tells you to hang up. This issue has caused me a lot of grief with trying to open new bank accounts and for them to try to keep my fees in this manner after being ordered to return them is especially egregious.
Product: Mortgage

I submitted an application to Citimortgage on or about XX/XX/2018 for a loan modification on my mortgage which converted from an interest only loan to an amortized loan with a 20 year amortization in effect more than doubling the payment. The home is underwater as well but would like to keep it as we have lived in the home for more than 16 years and have children in school. I have been submitting any and all requested documents on a timely basis and have kept in constant contact with Citimortgage and thought things were moving along when on XX/XX/18 I received a letter from a law firm representing Citimortgage demanding full payment of the mortgage plus penalties and interest and says in paragraph 6 of the letter that the law firm can file a foreclosure immediately and does not have to wait 30 days for a reply. I have additional correspondence from CItimortgage stating that we do in fact have an ongoing application for modification relief at this exact time period. I also received a phone call from a Citimortgage collection account employee on XX/XX/2018 at XXXX CST who identified himself as " XXXX '' - he said his purpose of the call was to see if we were going to pay off the balance of what's due ( he quoted a number ) and then when I said I had a modification in review right now he paused and said we were in foreclosure and said he could transfer this call to " litigation '' if I wanted to speak to them. I did and he tried to transfer but I was disconnected. Today XX/XX/2018 at XXXX CST I received a call from " XXXX '' at Citimortgage employee ID number XXXX who also said I was in foreclosure and asked what my intentions were- I said I was in a modification review and she placed me on hold for a long period of time and came back on and asked me to keep holding - I couldn't because I was at work. It seems like a case of " dual tracking '' and that's my complaint.
Product: Mortgage

The trustee sale is in XXXX days, on XX/XX/XXXX. I was waiting on a response from the lender, but I have no doubt they're avoiding to respond to my requests. I asked for postponement of the trustee sale, but was told that XXXX refuses to look into it until closer to the auction date. 
I tried working out a loan modification, but my lender XXXX never reached out to me with any papers or forms to fill out. They never called me back. I offered to pay half of my mortgage every month, but they refused to accept any payments unless it is the total monthly amount for the mortgage. They falsely accused me of being co-owner of the company I was working for because of my job description. They assumed key account XXXX, meant part owner of the business. I explained over and over again that I had just come into the country in 2020 and was still working on building a XXXX credit score. I sent them my XXXX and tax returns, but they kept harassing my employer with questions until he had enough and didn't renew my work contract. 
I couldn't afford an attorney to move forward with my case. I'm absolutely terrified for my fur babies and I. I'm all alone in the XXXX. All of my family and friends are overseas in XXXX.
Product: Mortgage

Since 2005 we have had a bad situation with our mortgage. We only owed XXXX at that time. Applied for a second mortgage with XXXX While waiting for a date to close we find out employee was fired. He took all our information and we were told he was Shopping us out 2 days before his hire date at XXXX. I contacted everyone to see what could be done. He was fired immediately. Was investigated by the FBI. We were told he would never sell mortgages again He NEVER stopped. While he made our life a nightmare with an unaffordable mortgage. Then we received modifications from different banks. Finally XXXX XXXX XXXX gave us a mortgage we could afford. After a few months we received a letter mortgage was transferred to Shellpoint. Sent the XXXX. They didnt except it. Wanted XXXX more. Nothing changed with our income as I sent them that.could NOT get my husbands 401 on a hardship. No exceptions. He had to retire 2 years sooner than he planned just to get the money. Please help us stay in our home
Product: Debt collection

MY IDENTITY HAS BEEN STOLEN!! AN IDENTIFICATION OF ME HAS BEEN USED WITHOUT MY PERMISSION TO OPEN SEVERAL ACCOUNTS THAT HAVE DAMAGED MY REPUTATION I DID NOT BENEFIT NOR DID I AUTHORIZE ANYONE TO USE MY PERSONAL INFORMATION BANK OF AMERICA RESULT OF FRAUD AND IDENTITY THEFT... I SENT A FTC REPORT and Identity Theft Victims Complaint and Affidavit.. I contacted bank of america recently about this matter i sent in the first report reference number is XXXX FTC Report Number : XXXX ( www.identitytheft.gov ) XXXX  sent me out a letter stating that my FTC REPORT WAS UNVERIFIABLE along with my police report they sent it back to me!!! Under the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( FCRA ), furnishers must investigate disputes received from Credit Reporting
Product: Mortgage

I am purchasing a new built home with a mortgage rate of 2.7 %. The initial VA appraisal was done, but a follow up was needed to confirm that everything that was described was completed. The original closing date was XX/XX/2022 but due to a delay with the builder I had to pay an extension fee to keep my rate. I paid about {$3600.00} and extended it to XX/XX/2022. I was told by my lender that we were waiting on the confirmation appraisal by the VA and that the XXXX would be fine. When the XXXX came around the confirmation was never received because the lender never notified the VA that the building was complete. I had to them extend my rate to XX/XX/2022 and pay an additional $ XXXX. I explained to the lender they should be responsible for the fee because they burden the appraisal process but they told me it was the builders fault and that if I wanted I could take my business else where. Every VA appraisal process article I read, explained that the builder is never involved with the appraisal process just the lender, as they have to use a portal to request it. I just want my second extension fee money back and the lender to admit his mistake in the matter. Im attaching my closing documents which show the fee and my email to XXXX mentioning this burden is theirs, however there was no response.
Product: Debt or credit management

Its wrong things on my Transunion credit report I need the fraudulent debt off my credit report now
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a car loans and personal loans with extremely high interest rates, which caused me to check my credit report and noticed that they still had my twin brother accounts on my report, and my cousin who has the same as I do. Notice I said still because I have taken action once on trying to remove them I was told that the account would be deleted but they are not.
Product: Student loan

My undergraduate debt is {$170000.00} and I am making monthly payments of {$1500.00} a month. I can not afford to live on my own ( living with parents at the age of XXXX ), I do n't know that this will ever be possible. {$60000.00} of that money at a 12 % interest, making it almost impossible to try decrease the principal. I make $ XXXX /year. I graduated from Univ. XXXX in XX/XX/XXXX. I have tried to refinance my loans at lower interest rates but I keep on being told that I have too much debt to refinance - I have made all of my payments on time - I did go into forbearance for 9 months in XX/XX/XXXX. Any help on what steps I should take next would be greatly appreciated.
Product: Checking or savings account

XX/XX/2023 I reported fraudulent activity on my savings account with Wells Fargo bank. XXXX different transactions- {$100.00} and {$5000.00} were taken out of savings account. The {$5000.00} was paid to XXXX XXXX. My personal information had been altered online in my account, email address changed, phone number changed. They filed a fraud claim and blocked my account, pending investigation. On XX/XX/2023, I received a letter and debit card from XXXXXXXX XXXX with my name, saying I opened a checking account. I contacted them, they filed a fraud claim as well and canceled and blocked card. And advised me to contact Wells Fargo and give them account # so they can communicate with each other regarding claims. I also received letter from XXXX XXXX XXXX XXXX, stating my information had been compromised in a data breach by XXXX with XXXX XXXX regarding deceased customers who had life insurance policies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching a copy of the letter I sent to the credit bureaus on XX/XX/XXXX. THey have not responded yet. Its been longer than 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information has been exposed by mutable Companies starting in XXXX by XXXX. In XXXX I received a letter from the IRS that someone was using my identity to file their taxes. In XXXX I was notified by a XXXX insurance billing company called XXXX that has sold my information to the Dark Web. In XXXX XXXX XXXX notified Me that my identity was exposed in a data breach. In XXXX XXXX Tennessee XXXX XXXX notified Me that my identity was exposed in their data breach. In XXXX a company XXXX XXXX services notified Me that it's computer servers were hacked and that my identity was involved. I have tried to get the credit bureaus to take this matter serious because it has ruined my name and my Credit. Prior to XXXX my credit was very good. Anyone can see the trend on my report. I have had problems with the credit bureaus with the correct spelling of my name. I have had trouble with them reporting inaccurate addresses. Even my work history was not correct. I have worked most of my life in high Management. Not as a Babysitter. I have only Two different addresses in 25 years. I opened my bank account in XXXX. I am a very stable person with a very good monthly income. My credit has been checked so many times I have lost count. I have been trying to purchase my XXXX XXXX XXXX XXXX XXXX but the wrong information is being reported on me. At one time You didn't know what my 3 credit cards were. My loan you report but you don't know what it is. I am requesting my credit report to be corrected. Over Two I have reported this to You and You do nothing.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of XXXX XXXX. I researched how to remove the fraudulent items in my report and found that I need to visit XXXX XXXX XXXX or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an XXXX XXXX XXXX. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX. 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged XXXX XXXX, not later than XXXX business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. 
I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My XXXX XXXX and personally identifiable information ( PII ). 
2. My XXXX XXXX for XXXX XXXX XXXX ( XXXX ) data, including financial aid history and loan information. 
3. My IRS tax transcripts were obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.
Product: Vehicle loan or lease

This is the second complaint I am filing because the information the company provided is incorrect. They stated that they sent a letter saying they would repo the car in XXXX but we called and set up payments and was told there would be no action taken as long as we are actively making some sort of payments which we were. He also informed my wife to have me call in to request deferment on XX/XX/XXXX. At which I called on XX/XX/XXXX and spoke with a woman who barely spoke XXXX and she denied me and said the account says we aren't allowed to defer the loan. She never even asked me any of the pre deferment questions. I explained and so did my wife several times that we have more than enough income coming in to pay the loan payments but playing catch up with the back balance from the hardships we went through is making things very difficult. We have actively been bringing all of our bills current. The only company that has not been willing to work with us is wells Fargo. I'm sure it has a lot to do with our van being worth more now than when we bought it. I want this to actually be looked into. This company is illegally reposing and setting people up for failure.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Debt collection

Source Receivables MNG XX/XX/2019 {$2.00}, XXXX I do not recognize this debt. This account looks like it may have been included in my claims against identity theft. This creditor has been notified and challenged on this. Yet has yet to remove this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX an account was opened in my name without my permission with XXXX XXXX XXXX XXXX, i never applied for this account and never used this account. it was opened fraudulently. i called the company and they said its in there system so i had to pay. account number XXXX the amount {$6900.00} on XX/XX/XXXX an account was opened in my name without my permission, with XXXX XXXX, i never applied for this account and never used this account, they were supposed to investigate the fraud and they still placed it on my credit anyway the account number is XXXX in the amount of {$340.00} on XX/XX/XXXX an account was opened in my name without my permission, with XXXX XXXX i never applied for this account and, never used this account, i called them and they were supposed to investigate and remove it from my credit and they never did.. the account number is XXXX the amount was {$6400.00} on XX/XX/XXXX an account was opened in my name with XXXX XXXX i never applied for this account and, i never used this account. i spoke with them and they said that its in there system and that, im responsible for it and there was nothing that they could do, they advised me to file a complaint
Product: Credit reporting or other personal consumer reports

I recently discovered that a student loan account from the Department of Education ( serviced by XXXX ) has been reported on my credit file, but I did not attend school during the years in question. This account is inaccurate, and I believe it is damaging my credit score. 

Under the **Fair Credit Reporting Act ( FCRA ) **, 15 U.S.C. 1681s-2, creditors and loan servicers are required to report accurate information. XXXX has failed in this regard by reporting a loan for periods when I was not enrolled in any educational institution. I also believe this could violate the **Fair Debt Collection Practices Act ( FDCPA ) **, 15 U.S.C. 1692e, as it constitutes false representation of debt. 

please remove the following accounts below as they are inaccurate. 

DEPT OF ED/XXXX XXXX DATE OPENED : XXXX AMOUNT : {$2300.00} DEPT OF ED/XXXX XXXX DATE OPENED : XXXX AMOUNT : {$2500.00} DEPT OF EDXXXX XXXX  DATE OPENED : XXXX AMOUNT : {$2600.00} DEPT OF EDXXXX XXXX  DATE OPENED : XXXX AMOUNT : {$4000.00} DEPT OF ED/XXXX XXXX DATE OPENED : XXXX AMOUNT : {$4800.00} DEPT OF EDXXXX XXXX  DATE OPENED : XXXX AMOUNT : {$7600.00} DEPT OF ED/ XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681 XXXX/Bridgecrest, has violated my rights and in violation of The federal Truth in Lending Act ( TILA ) 15 USC 1681 section 602 A. States i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 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 USC 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, credit repair services, or other personal consumer reports

An account closed by credit grantor is still showing on my equifax report even though it was closed on XX/XX/2011.This is a fair credit reporting act violation. It is older than seven years. I have tried calling, but I keep getting the run around.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$200.00} XXXX XXXX XXXX  Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$500.00} XXXX, XXXX XXXX XXXX a victim of identity theft I have never applied for any loan with XXXX XXXX or XXXX XXXX. I did not apply for any accounts with XXXX XXXX BANK. These are fraudulent accounts and the inquires from XXXX, XXXX XXXX XXXX XXXX XXXX are fraudulent as well and I have never applied for them. I never lived at XXXX XXXX XXXX XXXX, GA and I never lived at XXXX XXXX XXXX XXXX, GA XXXX. I never applied for XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This is effecting my financial livelihood and preventing me from having financial stability. These fraudulent accounts listed and inquires needs to be removed from any and all credit reporting agencies who is reporting these fraudulent accounts on my credit report immediately
Product: Vehicle loan or lease

Wells Fargo Bank financed my car in 2011. They were overcharging me and my interest went up. I paid my car payments on time and I was able to payoff my car. I do believe Wells Fargo overcharge me on many occassions.