23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In XXXX I asked how much in late fees I owed and on XX/XX/XXXX I got a letter saying I only had {$12.00} in late fees on my student loans. I wrote a check dated XX/XX/XXXX for the {$12.00} and I specifically stated I wanted the money to go for the late fee. I even wrote on the front of the statement that I wanted it to go towards the late fee. On XXXX, XXXX I looked at my account and they had charged me the late fee and didn't apply the {$12.00} towards the late fee as I asked. Furthermore, I emailed them to ask why they didn't apply it to the late fee and they ignored me. I have a duplicate of the check I wrote included in this.
Product: Mortgage

I assumed a loan with Freedom Mortgage in XX/XX/year> ( account number XXXX ). I underwent the complete mortgage process, which included, credit checks, employment verification, income verification, closing costs, etc. Since taking over the loan I have not been able to access the electronic portals ( i.e. online hub or the app ). I therefore am unable to review the status of my account. This also creates challenges and fees when paying the monthly mortgage. To avoid the fees, my only option is to make the payment through the mail, several weeks in advance, to ensure the payment is received timely to avoid late fees. I have contacted Freedom Mortgage on multiple occasions requesting access to the paperless options to avoid additional fees and inconveniences. I have been given multiple reasons why I would not be given access : 1. It takes 30 days to give me access 2. It takes 60 days to give me access 3. It takes 90 days to give me access 4. The previous loan owners information is attached to the account and can't be shared ( this seems highly illegal ) 5. The company is aware of the problem and is working on getting new loan owners access but they can't seem to get the issue corrected and have been working on it for years. Others that have assumed loans are experiencing the same problem.

I am asking for this agencys assistance escalating and resolving this problem. As a mortgage holder of this banking institution I should have the same rights and privileges of any of their account holders. In addition, I should not be subjected to additional fees that are outside of my control. Further, no other person should be arbitrarily attached to my loan account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXXXX/XX/XXXX are the same account and are not supposed to be on my report and its the same account but on the report 2 times ... That is illegal and is causing damage to my score. The accounts need to be removed. has been removed from My credit report FromXX/XX/XXXX after it found the account was not mine. XXXXXX/XX/XXXX has been removed from My credit report From XX/XX/XXXXafter it found the account was not mines.XXXX XX/XX/XXXX has been removed from My credit report From XX/XX/XXXX after it found the account was not mines.XXXX suntrust credit cards has been removed from My credit report From XX/XX/XXXXafter it found the account was not mines.both cards XXXX and XXXX XX/XX/XXXX has been removed from My credit report From XX/XX/XXXX after it found the account was not mine. XXXX XX/XX/XXXX has been removed from My credit report From XX/XX/XXXXafter it found the account was not mine. XXXXXX/XX/XXXX inquiry has been removed from My credit report From XX/XX/XXXX after it found the account was not mine. 

syncb inquiry has been removed from My credit report From XX/XX/XXXX after it found the account was not mine. 

regions inquiry has been removed from My credit report From XX/XX/XXXX after it found the account was not mine. 

XX/XX/XXXX have been removed from My credit report From XX/XX/XXXX after it found the account was not mine.
Product: Mortgage

I was approved for a XXXX month trial plan from XXXX XXXX. I made the last trial plan payment on XX/XX/XXXX and of the date of this complaint XX/XX/XXXX I have not received the modification documents to sign to get my loan current so I can resume making timely payments. I have called every week since XX/XX/XXXX and continue to be advised that the review is still in process and continue to wait for the modification agreement to be mailed to me. I am given no reason why it's taken over 30 days for me to receive the agreement. I have complied with the terms of the trial plan.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of XXXX XXXX. I have obtained a copy of my credit report with XXXX and there are XXXX accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I wrote TransUnion and reported that an unauthorized fraudulent credit inquiry was placed on my credit report on XXXX by XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ). I asked them to remove the item and explained that it was unauthorized and fraudulent. I also asked TransUnion to provide evidence that shows that I authorized this hard inquiry on my credit report. On XX/XX/XXXX, TransUnion sent me a letter questioning the legitimacy of my dispute letter and implied that a credit repair company wrote the letter on my behalf, which is not true. In response to TransUnions letter questioning my initial letter, I hand wrote a letter again asking for them to either remove the XXXX XXXX XXXX credit or provide me evidence that I had authorized the credit inquiry. On XXXX I received a reply from TransUnion stating that they deemed the XXXX XXXX XXXX legitimate, yet the did not provide me ANY evidence proving that the inquiry was legitimate, nor did they provide proof that I had authorized the inquiry request. On XXXX I called TransUnion and spoke with 2 representatives who said that they would initiate an investigation with XXXX XXXX XXXX, but will not remove the hard inquiry at this time. We are already going on 6 weeks from my initial letter to TransUnion and they are dragging this out. I believe I am entitled to have the item removed after 30 days if TransUnion wasnt able to provide me evidence of the legitimacy of the hard credit inquiry. But they have continued to drag their feet as my credit is negatively impacted. Can you please investigate this matter and help me get this hard credit inquiry removed?
Product: Vehicle loan or lease

Contacted Westlake Financial services to request a deferment of the payment due for XX/XX/year> as I am in an affected area of declared disaster from hurricane XXXX in Texas. 

While attempting to ask for the deferment, the agent on the phone sent me a text message to sign a deferral agreement. She advised me to sign the document twice. 
The second signature was supposed to be that of my co-signer. 

I advised the agent that was my ex-spouse and as I am not that individual it was illegal and fraudulent for me to sign as another individual. She said, that it didn't matter they needed two signatures to proceed, if I wanted the deferral this was what had to be done. I explained I am no longer in contact with this person and they have no financial decisions regarding the account. 

Also was previously advised that I could have the co-signer removed from the account by requesting removal via notarized letter with both our signatures, then was later informed that they will not under any circumstance except death remove a co-signer from an executed contract/agreement
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, Texas, XXXX XXXX Consumer Financial Protection Bureau XXXX, IA XXXX RE : XXXX Account Number XXXX XXXX XXXX XXXX. 

On XXXX, I entered into an agreement with an online XXXX XXXX XXXX, through XXXX  online Message an agent messaging service. At that time, my XXXX XXXX Account reported some delinquencies on my Experian Credit Report. The online XXXX XXXX  Agent asked if I would make a one-time payment of {$500.00} followed by recurring monthly payments of {$170.00}, then XXXX XXXX would remove the reported delinquent months on my Experian Credit Report. I agreed to those terms and made the one-time {$500.00} payment plus the recurring monthly {$170.00} payments. 

Nothing yet was done. So on XXXX, I again spoke with an online XXXX XXXX Agent. This Agent was able to read the agreement I made with XXXX XXXX on XXXX. At this time, I requested a letter be sent to me indicating that my XXXX XXXX Account is current with no delinquencies. This XXXX XXXX Agent informed me that it can take like 5 business days to create [ the letter ] and can take up to 7 days to receive it. 

I finally received a letter from XXXX dated XXXX. The letter states that we ( XXXX ) have updated your Credit Bureau Report. 

However and still today, XXXX still has not updated my Experian Credit Report to report no delinquencies. This is six months after I have agreed to XXXX terms ( one-time {$500.00} payment plus the recurring monthly {$170.00} payments ). 

I have sent letters to Experian with the attached XXXX XXXX letter indicating that XXXX would make the changes. Yet, I have received no response from Experian and my credit report remains the same. 

Please call me at XXXX XXXX XXXX XXXX XXXX, if further information is needed. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Urgent Action Required : Inaccurate Credit Reporting and Legal Violations To Whom It May Concern, I am writing to urgently address significant inaccuracies in my credit reports. These inaccuracies have persisted despite my efforts to correct them, necessitating immediate intervention to align with the Fair Credit Reporting Act ( FCRA ), particularly under sections 1681i and 1681s-2, which mandate the correction of any errors and the removal of fraudulent information promptly. My credit profile currently lists several accounts and inquiries that I categorically state are fraudulent. These include accounts w
ith XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and others, as well as numerous unauthorized credit inquiries across various financial institutions. The presence of these items on my credit report is severely damaging my financial reputation and causing substantial distress and economic impact. 

The FCRA provides that consumers have the right to have accurate information on their credit reports and that credit bureaus must correct any inaccuracies once notified ( 15 U.S.C. 1681i ). Moreover, entities that furnish information to credit bureaus have legal obligations under FCRA Section 1681s-2 to investigate disputes and correct inaccuracies. 

This letter serves as a formal demand for the immediate investigation and removal of these fraudulent entries from my credit reports in compliance with the FCRA. Failure to comply with this demand could result in actions for damages under FCRA Section 1681n and 1681o, which provide for legal remedies for willful and negligent noncompliance. 

Moreover, I am considering forwarding this matter to the Consumer Financial Protection Bureau and the Federal Trade Commission for further action, including potential investigations into the practices of the credit reporting agencies involved. 

Please note that any failure to resolve this matter promptly will compel me to pursue all available legal remedies, including but not limited to litigation. 

I expect a response to this letter and a resolution to these issues by [ specified date ], after which I will proceed with further actions if necessary. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I inherited XXXX pounds sterling from my brother in XXXX. 
My XXXX  attorney sent it to my US account with Citizens Bank. 
I received {$77000.00} on XX/XX/XXXX of this year. The effective exchange rate applied was 1.245. 
At that time the spot or inter-bank exchange rate was 1.3, at that rate I should have received {$81000.00}, a difference of {$3400.00}. 
I was charged an overt {$10.00} transfer fee but the additional {$3400.00} constitutes a hidden fee that bears absolutely no relation to the wire transfer service performed. 
When I complained, the bank told me that the 1.245 rate was their " client rate '' and that it was applied whether the amount transferred was {$1000.00} or {$200000.00}! 
For {$1000.00} I would call that fair but for {$80000.00} it is exorbitant.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Transunion in regards to an account listed on my credit report requesting validation that this debt is in fact mine. Transunion claims to have validated this account on several instances, but did not send me proof of how they validated this alleged debt or who validated this debt as requested. Below is listed the days I sent letters to TransUnion seeking proof of this debt : Transunion XX/XX/2020, XX/XX/2020 and XX/XX/2020. Transunion continuously violates FCRA laws by not properly validating this alleged debt and refuse to remedy this account. 


The account number is XXXX ( {$3000.00} )
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Experion, as well as XXXX XXXX, I have asked them to remove two specific collections on my credit report, even though the debt is not collectable, it is still on my report and ITS not mine, I have asked at least 4 times, to prove its mine, by show where I signed for the debt, they never show me
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Money transfer, virtual currency, or money service

On XX/XX/23 Zelle sent me an email stating that XXXX XXXX has use Zelle to send me {$240.00}. 
I initially tried to link Zelle to my XXXX account, and was told by XXXX there is a 30 day hold, so I could not receive the {$240.00} - because of Fraud associated wit

h Zelle. Following Zelles instructions, I attempted to link a Master Card Debit
Card with XXXX XXXX. And did not receive the {$240.00}, because XXXX XXXX   has

said Zelle is not a reputable vendor. Again, I did not receive the funds. Finally, I linked a XXXX  XXXX  account to Zelle, and did not receive the funds. Zelle has been no help, and stated I should talk to my bank, or talk to  XXXX XXXX  XXXX. No documents, no tracking, and the money is lost. 

I would like to my {$240.00} returned.
Product: Debt collection

XX/XX/XXXX- Received an alert from XXXX I C System Inc account added for unpaid XXXX  debt XXXX - Called I C System Inc to get more detail on the debt as this debt was in collections in 2019 with another agency and was settled and removed from my credit report. 

The rep for I C System confirmed that correspondence was mailed to the wrong address. I asked the rep to removed this from my credit report as I have 30 days to reply to I C System regarding the debt. The rep refused to move this from credit report. I asked rep when would correspondence be mailed to the correct address - the rep could NOT advise me on the date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX  Account # XXXX 30 days late in XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

2. Identity Theft PORSCHE XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX This is not mine. 

9. XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 10. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Product: Debt collection

I was sent to the hospital in XXXX of XXXX. There u was asked for my insurance information. I gave it to them and was told it would be resolved. The insurance that I had at the time was XXXX XXXX XXXX. I got a notice saying that I had n't paid the medical bill even though it should have been covered by insurance. Did not know what I had to do to get it resolved as I had n't dealt with insurance during that part. The company is XXXX finance control, date XXXX/XXXX/XXXX, amount is {$980.00}. Originally contacted them but got no response as to what was supposed to be done and now credit is suffering
Product: Credit card or prepaid card

I signed up for automatic payments to be processed by the credit card company ( Chase ). The terms do state that the amount of the payment may be reduced considering credits from purchase returns, etc. It also states that it will not advise what amount it will transfer in advance of the actual payment. It also does not state that the amount they reduce the payment amount could be to a level below the minimum required by the account terms to satisfy the minimum payment for the month. 

After following up with Chase regarding no payment having been processed for the month, I was told that not only did they reduce the payment to zero due to refunds in the following billing cycle, but that I would receive notice by mail that due to lack of payment, my account would be closed in the next month. They are effectively considering the account to be in default. 

I consider this to be a breach of terms on Chase 's part for failure to ensure that the minimum payment required for the account was met through our agreement for automatic payments. I consider this to be fraudulent as they are creating a deliberate situation for Customers to be considered in default on their account.
Product: Checking or savings account

Received an email on XX/XX/2024 from Chase stating risk department has restricted my account and may need to close if I dont contact them.

Right after receiving the email I tried to use debit card at store and was unable to. I called Chase and they told me yes, its been restricted and they are not told a reason. I asked to speak to some in risk department and they would not. I went to the branch and talked with manager and they said they can send a note and will ask for it to be unrestricted, and they had no idea why. I explained and was happy to show anything needed regarding transfers to other banks for our business, and other transfers to other banks for better savings rates, as I thought that might be the reason, but they said they will send a request themselves. It is still restricted 5 days later and still with no reason. We work in the financial industry and understand when risk needs to be checked into, but over and over I am told that everyone I talk to cant give me reasons and cant have me talk with anyone higher up. This is my money and isnt right to have it locked up without a reason.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter that requires urgent resolution. Despite many reminders and past due notices, the outstanding balances on these accounts have not been addressed in a timely manner. 

I have always strived to ensure prompt payment for the goods and services provided. However, I have recently observed a significant delay in the processing of payments and the consequent updating of account statuses. 

This delay not only impacts my financial records but also raises concerns regarding the efficiency of your account management system. It is essential for me, as well as for the smooth functioning of our business relationship, that these outstanding accounts be promptly corrected and brought up to date. 

Therefore, I kindly request that immediate action be taken to rectify this situation. I expect all late open accounts associated with my account to be promptly reviewed, corrected, and updated to reflect the accurate payment status. 

Additionally, I would appreciate regular communication regarding the progress made in resolving this matter. Please inform me of any steps taken to expedite the correction process and ensure that such delays do not occur in the future. With this, I am asking for your assisstance to correct these accounts in my credit file : XXXXXXXX XXXX XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00}.
Product: Credit card

On XX/XX/year>, I got a new card and activated it. It worked for a couple of times and then completely stopped working. I had to use the old card and that worked one time. Now neither work. I use the card a lot and now have no access to it with no real explanation as to why. I'm told I'll receive a call or be sent something but I'm doubtful that'll happen and want to make sure it will and soon.
Product: Vehicle loan or lease

I was in the market for a new car ( purchased on XX/XX/21 ). In going through financing options I worked with the dealer 's lender and I put in a request with Bank of America. I instantly was approved with BoA and was told I would be contacted within the next business day to discuss the loan. Given the time sensitive nature of me buying this car ( I wanted this model and wanted to purchase ASAP, so it was not sold to someone else ), I called BoA on the morning of the XXXX to talk to a lender. After a lengthy hold I finally was able to talk to someone. I asked them about next steps and they stated I needed a dealership letter to send to the dealership. They said I was approved and it would be in my BoA portal. We confirmed to do a higher amount just in case the car was more, but it was agreed the total amount was just for my loan of the car, nothing else. I sent it over to the dealership and drove an hour and a half down to purchase the car. After waiting almost two hours to purchase the car, I finally went into the financial office at the dealership to go over the final details/sign the paperwork. In talking about my loan the agreed amount was correct, but he informed me that BoA added an additional fee that I would have to pay back to them. No where in my approval email did it say I would owe BoA anything additional besides the APR % back, nor when I talked to the loan expert they said I would owe BoA anything. This is 100 % predatory. I was never notified that I would owe BoA additional monies besides the interest rate. Given I took off work, drove an hour and a half to the dealership and I sold my other car that morning, I was in a tough spot to back out.