23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This is my second letter to the CFPB regarding the same issue with Bank of America. Bank of America purposefully, did not address the specific questions asked in my initial letter dated XX/XX/XXXX ; therefore, the issues remain unresolved. I need Bank of America to answer EACH of the following questions regarding the mortgage account # XXXX : 1. Why has BOA allow XXXX days to pass from the date they were eligible to proceed with judgement ( XX/XX/XXXX ) to the date the judgment was recently filed ( XX/XX/XXXX )? For what reason did BOA wait XXXX days to file the judgement? 
2.Why did BOA never respond to my written inquiry on XX/XX/XXXX ( mailed to XXXX FL, XXXX ). This is a violation on RESPA, and was never addressed. 
3. Why did BOA charge my mortgage account 19 times for the same property inspection fee on XX/XX/XXXX? This is a violation of FDCPA 15 U.S.C, 1692e ( 2 ) 4.On XX/XX/XXXX, Superior Court of Delaware issued a letter indicating they were going to dismiss the foreclosure case due to lack of judgment entered. Was BOA aware that this foreclosure case was about to be dismissed for lack of follow up with their vendor attorney? 
5. On what dates did BOA follow up with XXXX for a foreclosure case updated? List all dates. 
6. Did BOA receive a copy of the superior court letter from XX/XX/XXXX? 
7. For what reason did BOA file an amended foreclosure complaint on XX/XX/XXXX? 
8. Why was the correct mortgage rate not calculated per the loan agreement ( in the foreclosure complaint )? Your response indicated " your research has uncovered no reasonable factual basis to substantiate your claim ''. Allow me to clarify ; in the amended complaint, BOA charged all interest at a rate of 3 %, which was incorrect because a portion of the interest was at 2 % and another portion was to be at 3 % according to the terms of the HAMP modification. Additionally, your employee XXXX signed off on the affidavit asserting he had reviewed the account and the amounts calculated were factual. This is a violation of FDCPA 15 U.S.C, 1692e ( 2 ), UNFAIR PRACTICES, " the false representation of the character, amount or legal status of any debt '' and FDCPA 15 USC 1692f ( 1 ) " The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law '' 9. What date did BOA file and pay the required mortgage mediation fee? 
10. What exactly is BOA doing to expedite the foreclosure? Please provide detail, dates, etc. 
Please be advised this is my second request and I will continue to escalate this matter and write to the CFPB until each and every one of my questions is answered.
Product: Debt collection

My parents both passed away this year, my Dad just back in XX/XX/XXXX. Trying to do the right thing, I had American Express close their credit card and send it to XXXX XXXX, so that no further interest or penalties would accrue while we waited for the estate to go through Probate Court and were able to pay the {$390.00} owed. I did not realize I was signing up to be relentlessly harassed by vultures.

I spoke with one of XXXX XXXX agents, and let them know the situation and that we would pay as soon as we could, although we are not even legally obligated to. But my Dad raised us better than that. Since that point, I've received four letters and two more phone calls, in the evening, inconveniently at my toddlers bedtime no less, all in less than a month. The XXXX XXXX agents are SO PUSHY and really insensitive to the fact that we are grieving family members with so many other other more important things we're already dealing with in regards to the deaths of our parents. It's disgusting what they are doing, they need to be shut down. Luckily I have a backbone and I know my legal rights in this situation, but think of how many sad, scared little old widows these vultures pretty upon. It's beyond unacceptable.
Product: Debt collection

I first reached out to this company last XX/XX/year> asking for an investigation on account XXXX which has been reported on my credit report as a charge-off with a balance of {$9400.00}. They responded on XX/XX/year>, they were asking about the vehicle identification number, the account number, my name my address, etc. Why would they be even asking for that information, should they not have that information on file already since they were the ones who reported it on my credit report? Also, they said they would update the payment history., it doesn't make any sense! Upon checking my credit report just recently, it turns out nothing was updated! 

Pursuant to 15 US Section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, they should provide the procedures put in place to verify this charge-off account. I would like to see a detailed list of all transactions on this account. Which they have failed. Please help me remove this account from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three bureaus in regards to inaccuracies on my report. They've had me listed as deceased twice and mixed my file with others. I am attempting to purchase a home and continue to hear there's no score listed for me. However when I go onto the individual sites I have scores. I'm beginning to feel as if I'm being discriminated against.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted documentation 5 times to Experian regarding a charge off that is past the statute of limitations and has already been deleted by XXXX for this reason. I have asked multiple times why they wont remove it and if not now When will it stop reporting. I never receive an answer only a denial for the dispute request.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at XXXX pm I got a call from my bank BOA. They told me that they had detected some suspicious transactions and they were just making sure it wasn't fraud. I explained to them that I was at work and that I hadn't made any transfers or transactions. They told me they would take care of everything and not to worry. I have proof of this phone call on my phone records. At XXXX the first transfer was made via XXXX and at XXXX the second transfer was made. I did get confirmations on the transfers but I was working and I assumed this was what she was speaking to me about. Apparently, they were already in my account when I was speaking to the fraud representative and she didn't notice. They had emailed me asking me if I signed on to my online ID because they detected that there was a sign on from an unknown device. I didn't read the emails because I was at work and I work at a restaurant. I'm not even allowed to have my phone on me. Well even though all this happened they decided to deny my claim stating that I was the one that made these transfers. The recipients name were XXXX and XXXX. Yes not even an actual name. This is unbelievable. They warn me of the fraud then fail to protect my account and then say I did it. Now they don't want to give me my money back. I need some help please.
Product: Vehicle loan or lease

Greetings, My name is XXXX XXXX. I am contacting you regarding an auto loan with Santander Consumer. This company has already been sued over the business practices to the amount of {$65.00} XXXX  dollars. I had my car repo twice by this company. Funds were never an issue. My girlfriend and I have our jobs for over 5 years. I used my credit card to make my pays to keep all my bills all in my own place. Santander changed its policies without any notice. Santander no longer wanted to accept credit cards. I paid the fees and got my car back. To prevent this from happening again, I providing my banking info for auto payments for the car loan. Everything was fine for around 2-3 years. Until one day Santander was no longer taking the payments. This ruin my credit I tried to fight, in return Santander repo my car again. Even though I had the funds to get the car back. I was just had enough of the games and tired of jumping throw loops just to pay my car note. 

Thank you for your time, XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I contacted green sky when COVID-19 affected my income. I was granted a forbearance, and upon the end of they I contacted green sky to let them know my heart ship. They said they can and will work with me on obtaining one payment. I borrowed the monthly payment they asked for, made the payment, and the forbearance was never granted. They only applied my previous forbearance as late payments to my credit file and add late fees to my account.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specially, Cash App failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  NAVY FCU XXXX Navy federal # has violated my rights 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
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention unauthorized hard inquiries that appear on my credit report. After reviewing my XXXX credit file, I have identified the following unauthorized inquiries : XXXX. Inquiry Details : Creditor : XXXX  XXXX Capital XXXX XXXX XXXX XXXX, VA XXXX Date of Inquiry : XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, SC XXXX Date of Inquiry : XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX Date of Inquiry : XX/XX/2023 After reviewing my Experian credit file, I have identified the following unauthorized inquiries : XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX Date of Inquiry : XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date of Inquiry : XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of Inquiry : XX/XX/2023 XXXX. XXXX XXXX : Creditor XXXX XXXX XXXX  Date of XXXX : XX/XX/2023, XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX Date of Inquiry : XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX Date of Inquiry : XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX, IN XXXX Date of Inquiry : XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of Inquiry : XX/XX/2023, XX/XX/2023, After reviewing my XXXX credit file, I have identified the following unauthorized inquiries : XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX Date of Inquiry : XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date of Inquiry : XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX Date of Inquiry : XX/XX/2023 XXXX. XXXX XXXX : Creditor : XXXX XXXX Date of XXXX : XX/XX/2023, XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX Date of Inquiry : XX/XX/2023, XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX Date of Inquiry : XX/XX/2023 XXXX. Inquiry Details Creditor : XXXX XXXX XXXX Date of Inquiry : XX/XX/2023 I would like to clarify that I did not provide authorization for these inquiries and have no affiliations or business relationships with the respective creditors. As per the Fair Credit Reporting Act ( FCRA ), unauthorized hard inquiries negatively impact my credit score, and I am requesting their immediate removal.
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 XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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: Checking or savings account

I was charged a XXXX dollar fee for being short XXXX first bank helped me setup alerts I use this account for paying bills and always deposit funds when Im short a XXXX dollar fee for being short XXXX is excessive and I would like them to waive it
Product: Debt collection

I had payment arrangement with Alliance One in which they were debiting my account via a bank card for a traffic violation with XXXX XXXX  XXXX XXXX. When I observed the debit for XXXX, XXXX, I reviewed prior statements and realized that they continued to debit my account long after the fine was paid. According to XXXX XXXX, the fine was paid XX/XX/XXXX and Alliance One continued to debit to XXXX. When I spoke to Alliance One, they said I am owed {$9.00} as an overpayment. My summons number is # XXXX. Alliance One states that the funds were forwarded to XXXX XXXX  XXXX XXXX and XXXX XXXX  XXXX XXXX states that they did not receive any additional funds. Alliance One telephone # XXXX
Product: Vehicle loan or lease

On XXXX XXXX, XXXX my bank account was debited {$600.00} twice from Toyota Financial. I called and they informed that I made a payment online on XX/XX/XXXX and again on XX/XX/XXXX both for {$600.00}. This was MY error ... however I don't remember doing the payment on XX/XX/XXXX. They said they were only able to return one once they finish processing, then I would get a check in the mail in 7-10 business days. I told them I would call my bank and place a stop payment, which would return both payment, then I would schedule another one. I did just that, and I received an email confirmation that my new payment was scheduled ( Confirmation number XXXX ). Today I go to pay my XX/XX/XXXX payment and its telling me I owe them more than {$1600.00} by XX/XX/XXXX. They never applied my payment from the end of XXXX. I called to find out what was going on as I have received no email, phone call or any communication that I am past due. The first woman I spoke with told me I was on a DO NOT CALL list ... I NEVER told them to add me to that list, I asked how that happened and figured that is why they didn't harass me after my payment was late. She said she can not tell me, I asked for a manager, she told me they can't help and continued to talk over me, I didn't even get to my questions, she had me on hold and I wound up hanging up 13 minutes into the call because I was unable to continue to wait. I called back and the next rep tells me she had no record of the payment I have the email confirmation for. She also told me my {$600.00} payments were returned NSF, which is also not true, they were returned due to the stop payment, which I told the rep back in XXXX I would be doing. Now the company will not let me make a payment online, I have to call, I am unable to use my bank account and they are unable to find that payment so its on me. I MADE MY PAYMENT. Its reflecting I am 33 days past due now which will reflect on my credit eventually and now I will have to go through the hoops to dispute this. My issue is my credit and the fact that SOMEONE added me to the do not call list without my permission. Had I received a call, I could have fixed this right away. I need to know who did this to my account and also WHY the payment I have an email confirmation for did not go through and doesn't reflect online. I also want the ability to pay my car loan online back.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/year> Dispute Department Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Charge-Off Entry on My Credit Report Dear Experian Dispute Department : I am writing to formally dispute a charge-off entry that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. If the information can not be verified within a reasonable time frame, it must be removed.

The charge-off in question does not accurately reflect my credit history or the status of the account. I am requesting that you investigate and, if necessary, remove this charge-off entry from my credit report unless proper verification is provided.

Under 15 U.S.C. 1681i, credit reporting agencies are required to investigate any disputed information within 30 days and to provide written confirmation of the results of the investigation. If the information is found to be inaccurate or incomplete, it must be corrected or removed. The presence of this charge-off on my credit report is damaging to my creditworthiness and violates my rights under federal law. 

Please investigate this matter and remove the charge-off entry from my credit report if it can not be properly verified. I request a written confirmation once the investigation has been completed and the necessary corrections have been made. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX 15 U.S.C. 1681i Procedure in Case of Disputed Accuracy This section of the Fair Credit Reporting Act ( FCRA ) outlines the procedures for disputing inaccurate information on a credit report. It states : When a consumer disputes information on their credit report, the credit reporting agency must investigate the dispute within 30 days. 
The agency must promptly notify the consumer of the results of the investigation. 
If the information is found to be inaccurate or incomplete, it must be corrected or removed from the consumers report.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DEPARTMENT OF EDUCATION KEEPS ASKING EXPERIAN, XXXX, AND XXXX  FOR MY CREDIT SCORE AND THE DEPARTMENT OF EDUCATION, ACCORDING TO XXXX UNIVERSITY, IS TELLING THEM THEY ARE BEING DENIED MY SCORE WHEN THEY INQUIRE ... AND ARE BEING TOLD THAT I HAVE A CREDIT FREEZE, WHEN IN FACT I DO NOT, HAVE A CREDIT FREEZE. THEY ARE ILLEGALLY DENYING MY SCORE TO THE DEPARTMENT OF EDUCATION.
Product: Credit card or prepaid card

On XX/XX/XXXX I got a Robocall from CHIME, stating I won the XXXX Giveaway they were having that day. I was told to go to the link they provided and fill out form to get my 6 digit winning code. I clicked on link and filled out form which included my full name, address, phone number, and it looked like the chime login, so I logged in. I didnt receive a code, I received an automated message thanking me for my inquiry. That is when red flags started going off, and I called the # on back of my chime card at XXXX, but was on hold entire time. I hung up so I could send my brother all my money in my account {$550.00}. I could no longer log in, the thieves had control of my account login, which they changed 3 times with 3 different devices and from NY, they also changed my PIN #, and my phone number. I have all emails stating everything they changed. I called CHIME back at XXXX, begged them to shut my card / account down but I was put on hold. While on hold at XXXX a transaction for {$550.00} to XXXX went through my account. This merchant is supposedly a T-shirt merchant in XXXX XXXX XXXX XXXX I was on the phone the second time for over 2hours, trying to regain control of my account and changing emails, passwords etc. I still dont know if the thieves used my debit card or used my Routing and Account number. On XX/XX/XXXX I started a Dispute, dispute # XXXX. I sent XXXX screenshots I took of the Scam, then of the 3 emails stating changes to XXXX, an email for change of my Pin #, and change of phone number. The proof I have of this scam is irrefutable, so it should of been. On XX/XX/XXXX I received an email from Chime stating my Dispute was Denied due to No Error Occurred! I replied to that email and also sent them a screenshot of my phone log, that shows I was on the phone with CHIME prior to this transaction, trying to shut my account down. On XX/XX/XXXX I received an email stating they received XXXX docs, which was the screenshot of my phone log. On XX/XX/XXXX I called chime directly and asked for all documents that were viewed/ used in my dispute, under XXXX XXXX I am supposed to be granted. Now its XX/XX/XXXX and I called again and they said that my dispute is still in the rebuttal stage and to wait XXXX business days for an update and for an email with all documentation being viewed in this investigation. Chime also emailed me with a new dispute # XXXX. They are sending me a new chime debit card but has yet to change my account # that the thieves had access to. Please help me, I have been sick over this. After reading all the chime complaints with XXXX, over XXXX people have the same story as I do. The only people that got there stolen monies back were the ones that went to a XXXX outlet.
Product: Credit reporting or other personal consumer reports

This morning, I discovered incorrect accounts appearing on my credit report, and I have no idea how they got there. I routinely check my credit report, but this time, I noticed unexpected discrepancies. Thinking it might be a glitch, I refreshed my browser, but the errors remained. Given this issue, I kindly request a thorough review of the documents Ive submitted to ensure I wont have to deal with this concern again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not been late on this account there was no full investigation on this account for late payments. There was an automated response from e-Oscar system stating the information was verified. I request physical verification in XX/XX/XXXX of this year showing I was LATE as I have NEVER been late. XXXX XXXX Account # XXXX Please correct XX/XX/XXXX payment history as it not reporting correctly. 

Please PYSICAL VERIFICATION OF LATE PAYMENTS.