23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX of 2020 SLS Mortgage, charged off my second mortgage with no explanation. Resulting in me dropping 38 points on my credit score. Which also shows me now having a charge off in my report as well as my wife 's report. A Charge off is not a good look when you are preparing for future purchases lower interest rates, home improvement loans, car loans. It shows that you are a credit risk. After some research. Sls is notorious for doing scams on consumers. I will not be there latest victim. 
My account shows that I was current. So i don't have anything to attach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter VIA MAIL disputing serval inquires, several wrong person information and a closed account on my credit that is WRONG and improper use of my credit report. 

This credit bureau company TRANSUNION tried to claim it was a credit repair clinic or third party simply because I know my rights as a citizen and denied to fix the issue stated by the representative I was on the phone with that was very disrespectful on XX/XX/year> starting at XXXX. 

Ive attached proof of my letters and the email I received.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following items on my credit report : XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccuracies in my credit report. After reviewing my credit report, I have found several errors that need to be addressed. 

Firstly, the charge off accounts from XXXX XXXX and XXXX are not accurate. I have never had any accounts with these institutions, and therefore, the charges are not valid. Similarly, the charge off account from XXXX is not valid, as I have never taken out a loan with them. 

Secondly, the inquiries from XXXX, XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX were not authorized by me. I did not apply for credit with any of these institutions, nor did I give them permission to inquire about my credit. 

These errors on my credit report have caused me a great deal of emotional distress, as they are affecting my ability to obtain credit and make important financial decisions. I demand that these inaccuracies be corrected immediately and that my credit report be updated accordingly. 

If these inaccuracies are not corrected, I may be forced to take legal action under the FCRA to protect my rights. Thank you for your attention to this matter. 

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

I recently reviewed a copy of my credit report and notice I had a fraudulent account on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

With respect to those it this matter concerns, As a victim of Equifax data breach and upon examining my credit reports, I noticed that although you have not provided any evidence to support the accuracy of the debt, you are claiming that the following accounts are mine and negatively impacted. Under XXXX XXXX. XXXX ( a ) of the Fair Credit Reporting Act ( FCRA ), you are legally required to block and remove this information from my credit file upon receipt of notice and supporting documentation. Moreover, you claim to have complied with all legal and regulatory reporting requirements, thus you have to delete all fraudulent negative and critical accounts. 
Accounts to be removed and blocked : 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 I was also refused credit by the lenders listed below. Adverse action against a consumer is prohibited by XXXX XXXX XXXX and XXXX XXXX XXXX and is punishable by civil liability. These businesses are in violation of XXXX XXXX XXXX because I have proof that I was the victim of discrimination due to the reaction I received. My social Security ( my credit card ) was used but I received nothing in return. Please remove the unauthorized inquiries and incorrect personal information from my consumer report. 
Inquiries to be removed and blocked : XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Personal Information information to be removed and blocked : Addresses : XXXX XXXX XXXX, XXXX, WI, XXXX XXXX XXXX XXXX, XXXX, WI, XXXX Employment Info : Frondita Assisted Living Childrens Hospital To facilitate your investigation, I am providing the following documents : A copy of my government-issued ID Proof of address A copy of a police report or FTC Identity Theft Report You are aware that reporting any information that can not be independently verified is illegal. I need you to give me hard proof that I am responsible for those accounts in line with XXXX XXXX XXXX. You are also in violation of XXXX XXXX XXXX because I have never given you or any of these companies formal permission to disclose any information on my credit report. This unjust and unfair treatment has caused me severe XXXX and XXXX. 
Let me remind you that any negative accounts/remarks on my credit report are illegal under the FCRA and FDCPA if you can not provide evidence to support them. I never gave my official consent for this information to be disclosed. You must block and remove these accounts off my credit report if you can't give detailed documentation about your validation, verification, and compliance procedures. 
Best regards, XXXX XXXX
Product: Credit card or prepaid card

XXXX. I was carrying two promotional 6 month no interest balances on the card. The first balance was {$5200.00} and the second balance was {$3300.00}. 
XXXX. The XXXX statement indicated that a minimum payment of {$87.00} was due by XX/XX/XXXX/2022. The statement also indicated, in prominent red all cap typeface : " YOU MUST PAY THE BALANCE OF {$5200.00} OF YOUR PLAN XXXX XXXX XXXX XXXX LOW PMT IN FULL BY XX/XX/XXXX22 TO AVOID PAYING ACCRUED INTEREST CHARGES. '' XXXX. The XXXX statement does not include language to the effect that the plan balance of {$5200.00} and the minimum payment of {$87.00} had to be made. I thus was led to believe that the payment of the plan balance would satisfy the minimum payment amount. 
XXXX. As indicated on the XXXX statement, I made a payment of {$5200.00} on XX/XX/XXXX2022 ( the payment due date ). The XXXX statement nonetheless included accrued interest in the amount of {$1000.00}, even though my payment was a greater amount than the minimum payment due and was enough to satisfy the outstanding balance on the promotional amount due on XX/XX/XXXX 2022. 
XXXX. I spoke with XXXX on XX/XX/XXXX, 2022 and XXXX 's position is that I was required to pay the promotional plan amount due plus the minimum fee due to avoid interest charges, despite the plain language in the XXXX statement that I only needed to pay the {$5200.00} to avoid interest payments. 
XXXX. The XXXX statement was deceptive in its language because it does not indicate that two amounts ( the plan balance plus the minimum payment amount ) needed to be paid to avoid interest charges. Also, XXXX did add such language to the XXXX statement concerning making both payments to avoid interest charges, but it was too late. This deception creates a trap for unwary consumers. I will also note that XXXX did not charge a late fee of {$41.00} even though its position is that the minimum payment amount was not paid by the due date of XX/XX/XXXX, 2022.
Product: Debt collection

In mid XXXX I contacted Wells Fargo regarding two accounts I had that were severely past due to set up a payment arrangement. We had sold our house and I informed Wells Fargo I would pay them in full and they promised me on the phone in mid XXXX that they would not send it to collections or sue me. I told them my house would close on XX/XX/XXXX so I would pay in full by the end of XXXX depending on when the check cleared. Sometime between XX/XX/XXXX and XX/XX/XXXX I was contacted by my sheriffs department that I was served a summons for these debts. I have already contacted that law firm and settled these debts.
Product: Credit reporting or other personal consumer reports

I have completed XXXX requests for copies of my consumer report by LexisNexis XXXX a timeframe no fewer than XXXX years. A variety of formats were employed to make the requests ( online, first class mail, certified mail ). 

Despite me providing more than enough information to identify myself in its systems ( I am the only person in this country with my name ), and having provided copies of numerous identification documents ( a single XXXX of which should be sufficient ), LexisNexis continues to claim that it is 'unable to verify my identity ' and consequently refuses to fulfil my request. 

It should be noted that LexisNexis allows its customers access to mine ( and many others ' personal information ) with far less scrutiny, if any. 

I have attached a copy of LexisNexis ' most recent letter communicating its refusal to comply with my lawful request to access a copy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX that I was unaware still had an existing balance. I was made aware when XXXX XXXX reported the balance on my XXXX  credit report. I confirmed with XXXX that the account was not sold to XXXX XXXX and that they sill owned the account. I agreed to pay the balance of {$960.00} to pay the account in full on XX/XX/XXXX, and I was told that the account would be recalled and XXXX XXXX and removed from my credit. 

On XX/XX/XXXX, when I checked my credit report, I saw that the XXXX XXXX collection account was updated to paid in full, and still remained on my credit report. I contacted the CEO of XXXX 's office to get the issue resolved, but I was told that they would no remove the entry, and that the agreement that was made was not going to be fulfilled. 

I contacted the XXXX of XXXX 's office again in XX/XX/XXXX, and I was given the same response that XXXX would not fulfill their end of the agreement. I followed-up by calling XXXX customer service again, and I was told that, yes, in fact the account should be recalled and it should be removed from my XXXX credit report. I was told this would be completed in 10 business days. I have received no notifications that this action was fulfilled, and the entry still remains on my XXXX  Credit report as of XX/XX/XXXX. 

I payed the balance in full, all I want XXXX to do is recall the account from XXXX XXXX so that it will be removed from my credit report.
Product: Mortgage

I have atttached backup of my complaint. XXXX my escrow balance was {$660.00} Nationstar Service . Nationstar became Mr. Cooper. We paid full escrow {$160.00} for 8 months {$1900.00}. Mr. Cooper no longer transparent on escrow balance on statements. Mr. Cooper without my authorization paid home insurance bill twice with 2 different amounts. I called up and opted out of escrow. Then they in error just opted out of RE taxes so I called again and said all was opted out. Finally got full opt out but now they are not refunded the monies due us on the escrow balance they were holding.and refunded only {$190.00}. Contacted them again and the people that look at the account have no knowledge of the balance they are holding just the current year analysis and never look at beginning balance. They claim they sent a check of {$110.00} XX/XX/XXXX but we never received it and I asked what address it was sent to and he couldn't answer and just said that is all the balance left in escrow. I show they owed prior to the refund of {$190.00} they owed {$280.00}. You can never talk to anyone who knows anything about basic accounting. Did Nationstar not transfer all the monies to Mr Cooper? Who knows But they still owe us a total of {$280.00} as we never received the check they claim they sent {$110.00}. There is no way to look at the account and see what they are doing. Nationstar was always transparent with the escrow account. What do I do now? I wrote them a letter complaining but all they did was sent a letter acknowledging they receipt of my letter. There should be a full audit of this company
Product: Checking or savings account

Hi, the chase bank holds my fund of {$45000.00} which my friend sent me XX/XX/2021. I contacted chase many times, the bank manager never provided me the proper reason they hold my fund. The bank said my friend, XXXX XXXX XXXX asked recall for the fund. I dont believe he did it. Since I can not reach my friend, so I can not verify it. The bank never provided me the proof and also refused to send the check to me!!!
Product: Payday loan, title loan, personal loan, or advance loan

Very confusing the way they are applying the payments and calculating the interest, something is wrong this balance should be lower and we do not feel we owe more than half of the loan now. I think this is a scam and they are not calculating the interest rate correctly. We will talk to an attorney is needed. The payment schedule is so confusing, and I really believe they do not know what they are doing. Attached below is the payment schedule. The payment is not being applied correctly, and interest is not being calculated correctly.
Product: Credit reporting or other personal consumer reports

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

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX 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 XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$5800.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXXXXXX Balance : {$740.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$460.00} ; XXXX XXXX Balance : {$1600.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$810.00} ; XXXX XXXXXXXX Balance : {$2800.00} ; XXXX XXXXXXXX Balance : {$140.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$310.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$760.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$670.00} XXXX XXXX XXXX Balance : {$760.00} ; XXXX XXXXXXXX Balance : {$1200.00} ; XXXX XXXXXXXX Balance : {$670.00} ; XXXX XXXXXXXX Balance : {$310.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$2200.00}. 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

On XX/XX/2021 I applied for a HELOC to Bank of America who has been my mortgage lender for over 20 years. After almost 6 months of going back and forth in this process and me satisfying all requests made I have been denied an approval. BOFA failed to be transparent with this process. I have been basically denied the loan for no substantial explanation. My loan went from one processor to another and such created a big and obscure confusion. The initial processor who at present time is not longer part of BOFA was removed from this process abruptly. However, prior to her departure from BOFA she led me to believe that each " hiccup '' that we encountered and I was questioned was resolved. On XX/XX/2021 my application was transferred to another processor who claimed that he has been assigned and will pick up where processor 1 left off. However, this has not been the case. After almost two months of working this the second processor and my loan being at BOFA I have been denied the loan. Please note that I have a relationship with this Bank for over 20 years. I started a loan with BOFA 0f XXXX today the balance of this loan is XXXX. My property worth XXXX the amount I am requesting. Yet BOFA denied credit. For the past 20 years of paying my only mortgage there has NOT been one single late payment. My credit and all documents provided for this loan speak of my character. I feel that I have been discriminated. I wasted 6 months working on a loan application with a negligent person. Bank of America has refused to take responsibilities. They have denied me a waiver to policies implemented since my application has been filed. Bank of America does not stand for America values.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep getting denied for every kind of credit and money service possible I am being unfairly discriminated against and my human rights are constantly being violated causing me distress and XXXX the main problem is with XXXX reporting inaccurate information and with Lexis Nexus risk services also reporting inaccurate information even after they are suppose to remove it
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a complaint requesting that CREDIT BUREAUS reinvestigate the disputed Accounts from my credit report as well as correct these following Accounts : XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$7500.00} from my report. As of this date, XXXX, XXXX and TransUnion have failed to respond to my request. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law
Product: Vehicle loan or lease

On XX/XX/2018, I paid off the balance of the sellers loan, at the XXXX ID. branch of Key Bank. It has been seven weeks and no title has been sent. Myself and an assistant have made over twenty phone calls regarding this, with no resolution. As a result, I am unable to register the vehicle. Oregon allows only, two 21 day temporary permits witch we have exhausted. The Vehicle is now useless, and undrivable. This vehicle was to be used as primary transportation, and now must be parked until we get this resolved. This has created obvious and unnecessary hardship.
Product: Mortgage

I fell behind on my payments in XXXX through XXXX off and on. My loan was transferred from Bank of America to XXXX XXXX XXXX from XX/XX/XXXX for the next 12 months to avoid foreclosure. When I made all the 12 months of payments on time as required, Bank of America ( B of A ) retook my loan. About XXXX, or XX/XX/XXXX, I started getting charges on my account with no explanation. I have logged 10-12 hours of phone calls to B of A requesting explanations, but no one can provide an answer. One particular one is the inspection fees, for a period of 2 years at least, B of A claims that when one falls behind on their payments they send an inspector to check that the property is still occupied. I disputed that fact, because there's no public access to the property and the inspector if he or she actually showed up, they should have reported that information to the bank. I have enclosed a letter and notes as I was taking them down when talking to the various associates and followed their instruction on disputing the charges, but I keep going around in circles. Also on these statements are many petty amounts that no associate can explain. B of A doesn't provide an in person associate to help navigate the many questions a customer has and the call center associates are clueless. I have it a brick wall over and over.
Product: Debt collection

Complain about Company KNIGHT ADJUSTMENT BUREAU Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX This company is working to collect a debt for a company call XXXX XXXX XXXX the debt they collecting is not mine, after requesting the documentation to verified the loan and learn about my legal rights under the Fair Debt Collection, I found out the documents send by Knight Adjustment Bureau have not have my handwriting or my signature on any of the documents they sent, I already send a letter to them telling them about out this and they are not taking this debt from my credit report. 
They are still trying to collect this debt. 
Knight Adjustment Bureau for my understanding was suppose to contacted me to check with me if this debt was or not mine, but they instead send this debt directly to collection within days of receiving the account from XXXX XXXX XXXX ( original owner of the account ) after that they send me a document to verified if the debt was mine or not for which I dispute the debt. 
After they tried to verified the debt they send me a letter telling me what a own and that I have to pay the whole amount on the letter they sent, that they would not accept any kind of payment arrangements. 
This company Knight Adjustment Bureau keeps harassing me with this account that do not belong o me or agreed on, I tried to fix this with original company, they never wanted to provide me with any documentation or information on this debt. 
Attached I'm sending copy documentation received from this collection company to support my complain. 
Thanks XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hello there were multiple times where money has been taking out from different states. XXXX XXXX2023- {$6.00}, jan. XXXX, 2023- {$7.00}, XXXX2023- {$59.00}, XXXX XXXX,2023 - {$6.00}, XXXX.XX/XX/XXXX,2023- {$14.00}, XXXX. XXXX2023 - {$10.00}, XXXXXX/XX/XXXX,2023- {$20.00}, XXXX. XXXX2023 - {$14.00}, XXXXXX/XX/XXXX2023 - {$5.00}.
Product: Mortgage

I was in the impression that when mortgage payment is just being deferred and whatever payment I missed will be added to the tail end of my loan. This is what Bank of America advertised In the beginning during pandemic and now it changed and I am being forced to keep my loan to current or enter into loan modification or maybe payment plan. I did loan modification before and without my knowledge the terms of my loan was prolonged, my interest rate just keeps on going up every 3 months and at the same time my monthly payment also goes up. It is very stressful and I did not want to fall on this again. However I feel very pressured at this point and afraid what would happen if I cant repay all the mortgage payment I missed. Bank of America does not seems very helpful every time I call them and just keep pushing me to do a loan modification.