23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Property Address : XXXX XXXX XXXX XXXX XXXX CA XXXXWe made XXXX early payments:XX/XX/2014 $ XXXXXX/XX/2014 $ XXXXXX/XX/2014 $ XXXX, the money was not applied to the outstanding loan principle on the date we made the deposit. For example, the {$380000.00} on XXXX/XXXX/2014 was applied to the loan on XXXX/XXXX/2014. The XXXX and XXXX payments were applied to the loan on XXXX/XXXX/2014. 
Why the early payment could not applied to the loan on the deposit date? Does it cause us to pay extra interest due to the delay? The loan officer did not inform us of this when we applied the loan. Our previous home loan from XXXX bank applied early payment on the deposit date. 
After talking to a staff from Bank of American customer service department, I finally understood the reason why my early payment {$380000.00} on XXXX/XXXX/2014 had to wait for 4 days until XXXX/XXXX/2014 to apply to the outstanding principle balance. He told me that any early payment can not be applied to the principle until the regular payment date and it is XXXX/XXXX/2014. When we decided to choose Bank of America for our mortgage loan, the loan officer, XXXX XXXX XXXX just told us that no penalty for early payment but did not tell us about early payment has to wait the regular payment to be applied to principle. This caused us XXXX losses. 
The first XXXX is the interest that we could earn if we keep {$380000.00} in our bank account until XXXX/XXXX/2014 and that is about {$20.00}. 
The second XXXX is the extra loan interest that we paid for {$380000.00} during the 4 days from XXXX/XXXX/2014 to XXXX/XXXX/2014 and that is about {$200.00}. 
I would like Bank of America to give us XXXX credits of {$20.00} and {$200.00}. 
Bank of America reply did apologize for any inconvenience this may have caused, but refused any financial compensation that I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy. 
Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed  that these referenced inaccurate accounts are on my credit profile. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in Fisher v. Equifax Information Services LLC ( D. Ariz. 2018 ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 
While these third party collectors attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. I am maintaining a careful record of my communications with your agency and the false reporting collectors for the purpose of filing a complaint to the FTC if the non-compliance continues. Like, Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), the below false creditors will be liable for your willful non-compliance. Also, in Fisher v. Equifax Information Services LLC ( D. Ariz. 2018 ), they may be liable for false reporting.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verifiedthat These items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I can't access my account for 3 days and I have been told a bunch of lies about systems issues with vendor. I can't get my deposit or withdraw my money and I am accumulate late fees in my account.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 Disputed personal information address name on credit file.
Product: Mortgage

Movement Mortgage held onto an on-time payment I made in XXXX, XXXX  for 20 days causing my mortgage balance to increase. In turn, on XX/XX/2023 XXXX sent me a notification that our principle balance on our mortgage increased {$1600.00} from {$440000.00} to {$450000.00} despite never being late on a mortgage payment. 

As far as I can tell, XXXX held onto our XXXX payment because they were doing an escrow analysis and messed that up as well. 

When I pointed this out to Movement Mortgage and asked for an accounting, they did not send a proper accounting showing the total mortgage balance as requested and became non-responsive when I asked them to correct their error in reporting to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Placed a credit freeze over 6 months and company is still sharing my information. Also reporting inaccurate information.
Product: Payday loan, title loan, or personal loan

First payment on {$1200.00} loan on XX/XX/15. APR 449.2762 %. Biweekly payments of {$250.00} times XXXX payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, SYNCB/ASHHOMXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX, # XXXX, # XXXX has violated my rights. 15 u.s.c 1681 section 602 I have the right to privacy. 15 u.s.c. 1681 Section 604 Section 2 states a consumer reporting agency can not furnish an account without instructions.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding fraudulent activity on an unauthorized entry from XXXX XXXX Bank, which has negatively impacted my credit reports with XXXX, XXXX, and TransUnion. I have identified this account as fraudulent through my review of recent consumer reports, mail correspondence, and confirmation of being a victim of identity theft. I have attached it to a formal FTC Identity Theft Report. 

The specific account in question is XXXX XXXX XXXX XXXX XXXX XXXX This account reflects unauthorized payments and credit line increase requests that I did not initiate or authorize. Furthermore, I discovered that a prior dispute was logged on this account without my consent. I have never provided written permission for this account to be reported or for the transactions to occur.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information for the third time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF AN IDENTITY THEFT, I HAVE SENT MY IDENTITY THEFT REPORT TO EQUIFAX. BUT EQUIFAX IS NOT REMOVING THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. THE ACCOUNTS WERE OPENED WITHOUT MY CONSENT, I HAVE BEEN CALLING AND FAXING THEM ANY INFORMATION THEY NEED BUT YET THE ACCOUNTS ARE STILL NOT REMOVED. AND THIS PROBLEM IS ONLY WITH EQUIFAX.
Product: Money transfer, virtual currency, or money service

I have not been able to access my Coinbase account since XX/XX/2021 when I made a deposit of XXXX to buy Bitcoin. I have tried since then to access my account but am being denied access to the account by Coin Bases 's Two-step authenticator, which I installed at Coinbase 's recommendation. Coinbase sends me an invalid message after I give them the code that the authenticator sends me. I ask for help, Coinbase then re-routes me to other links that do not solve the problem, and on and on it goes. I can not reach a real person at Coinbase to help me. I have lost money during the latest peak that Bitcoin hit, because I could not get into my account.
Product: Mortgage

Getting fraudulent mail from a company pretending to be AAG which I have a Reverse Mtg with and I also worked with. I know they never had anything like this or would they ever have. They are saying I had a home warranty and it is not up to date and I must renew it as this is a final notice and for course they want money to do this and I must contact them asap THIS IS A FINAL ATTEMPT TO NOTIFY YOU XXXX Customer ID XXXX Respond by XX/XX/2023 This is being sent to seniors and trying to scare them into sending money for something that does not exist. 

It says : FINAL NOTICE Lender Info : American Advisors Grp
Product: Checking or savings account

At XXXX XXXX XXXX XXXX of XX/XX/XXXX the bank moved money from my savings account and then, within minutes, allowed someone to then move {$4900.00} from my checking account to be deposited in an unknown account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) in Washington State. When I contacted my local branch of US Bank later that morning, they said the transfer had gone through and there was nothing they could do. I made a police report. I wrote a four page letter outlining the entire situation and requested a unredacted copy of the documents upon which they relied to deny. It took well over two months and three phone calls to get that information. I received it today and the typing was so small even a magnifying glass could not allow me to read it. They stated in their letter that I must have participated in this because I gave out my password and answers to a security question. Of course, that entire section was redacted and of no help to me. 
I do not know what further I can do as an individual and thus I am filing this complaint with your Bureau.
Product: Credit reporting or other personal consumer reports

On the date of XX/XX/XXXX and XX/XX/XXXX I notified XXXX, Experian, and XXXX about this account that does not belong to me, The companies agreed to delete the account after the investigation was concluded but the attached document will show that this account is still being reported on my consumer report. 
I explained I am a victim of identity theft, I made it clear to XXXX, Experian and XXXX that this account is not mine. 
All XXXX bureaus have continued to report this XXXX XXXX account XXXX inaccurately on my consumer report which violates my consumer rights. 
This account should be immediately removed from all XXXX bureaus as the agreed resolution states. 
After the investigation conducted by XXXX, Experian and Experian they concluded that the account was to be deleted but the attached document of my newly updated credit report XX/XX/XXXX is still showing this inaccurate account on my consumer report. 
They claim to have conducted an investigation which has been proven to be false. This inaccurate information is inhibiting me from obtaining funding for a home purchase which is causing emotional distress and damages for me and my family. 
Yet again, you have failed to accurately report information on my consumer report after being notified repeatedly that this account is being inaccurately reported. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, and XXXX  should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$10000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Product: Credit reporting, credit repair services, or other personal consumer reports

checking my file I've noticed a lot of invalid information on my transunion credit report. I am disputing all incorrect information on my credit report to help clear my file.
Product: Credit card

XX/XX/XXXX  - I booked a round trip flight from XXXX to XXXX XXXX through Chase Travel Program with United Airlines, costing {$1400.00}. Trip ID : XXXX XX/XX/2023 - I received an e-mail saying that there was a delay for my flight. I logged onto the United Airlines website and there was an option on website saying that I can book a new flight at no extra cost. So I clicked on it. It then showed me my new booking but said there was an issue and to contact my agency. I contacted Chase travel and they helped me reserved a new flight from XXXX to XXXX XXXX. ( Same Trip ID ) Day of my flight : XX/XX/2023 - I got to the airport at XXXX XXXX  to catch my flight. The self check-in machine wasn't giving me a ticket and told me to contact help desk. I spent the next 3 hours juggling between Chase Travel and United Airlines trying to fix the issue.

United Airlines said that there was a reservation but no ticket and that XXXX XXXX XXXX needed to give them control of the ticket. 
There was only 15 minutes left before my flight departs and the issue was still not resolved, so I let my girlfriend fly to XXXX first and promised to meet her there the same day. 
I told the Chase representative that I needed to get to XXXX today, the Chase representative told me to book another flight via United Airline website and to keep all the receipts for a reimbursement. I did so but it costed me an extra {$3700.00}. 
After my trip to XXXX, I came back to the US, and contacted Chase Travels. They did an investigation and told me that XXXX XXXX XXXX was willing to reimburse me the price of the original flight ( {$1400.00} ) but not the price of the new ticket. 

I told Chase that I can't have that. They were willing to settle the case by giving me XXXX points but that wasn't what I wanted. I just wanted the reimbursement of the new ticket ( {$3700.00} ). 
I contacted United Airlines, All XXXX XXXX and Chase Travel, but none of them will claim fault and reimburse me for the extra cost. 

Chase 's carelessness costed me my flight to XXXX with my girlfriend and arriving at a precise time on that day which caused me to miss multiple reservations that I had in XXXX. 
All I want is for Chase to take responsibility for this mishap and reimburse me my new flight price.
Product: Student loan

Navient will not stop calling me at work. They called four times on XXXX, XX/XX/XXXX, three times on XXXX, XX/XX/XXXX, two times on XXXX  XX/XX/XXXX, and two times already this morning, XXXX, XX/XX/XXXX. 

They also continue to call my mother 's home, where I do not live. I already filed a complaint about this with the CFPB back in XXXX. The complaint ID is XXXX. Evidently, this issue has not been resolved, and Navient gave false information that it removed my mother 's phone number from their database. 

Navient also emails me multiple times per day, requesting that I contact them. 

Navient has been completely uncooperative, and in almost every case, belligerent, regarding my account. I have eight other complaints with the CFPB about their behavior dating back several years. These complaints have not had any impact on their behavior, their demeanor, or their unethical business practices. 

The US government has temporarily halted payments on Federal Student Loans until XX/XX/XXXX, as part of the COVID-19 relief effort. This does not apply to private student loans. Navient has not participated in any such relief effort with its private loans, and instead has become more belligerent with its communication, as they continue to disturb me at work. 

I am unable to resolve my issues with Navient because of this, and I refuse to spend a single moment of my time at work corresponding with their representatives due to the aforementioned issues. 

Moreover, when I am not at work, I am still looking for other sources of income or otherwise managing other responsibilities. I absolutely will not speak with representatives at Navient, who behave like bullies and refuse to provide options for relief. 

I responded on XXXX, XX/XX/XXXX, to one company representative, XXXX XXXX XXXX XXXX, with the terms under which I would be willing to speak with Navient. In that communcation, I stated that by continuing to contact me, Navient will enter the agreement contained in this email. Navient did not respond by email, but has continued to contact me by phone. I consider this an agreement to the terms, and as such, Navient assumes responsibility of the terms given.
Product: Credit reporting or other personal consumer reports

I am reaching out for help regarding the incorrect account listed on my credit report. This issue has affected my reputation as a customer, and I would appreciate your support. These accounts should be removed because they are reported inaccurately and harmfully
Product: Credit card or prepaid card

Dear Madam/Sir, CFPB : I received a notification from a Bank Institution , from the year 2022. With a 1099-C, Cancellation of debt with an account number. It states Box 1, date of identification event. Box 2, Amount of debt discharged. Box 4 Debt description, credit card. Box 5, Borrower was personally liable for repayment of debt. Box 6, Identifiable event code, total amount of debt discharged. Tax year 2022, with tax ID number, with a similar name like mine, not my legal name. With the wrong adress. It also has an : E. I. N, number. Again it comes from a Bank institution with the telephone number, and the po box number. It also said that I need to report this to the I. R. S. This document it is not mine, and does not belongs to me. However my Big concern is that has also my last 4 digits of my SS number. And also has the amount of the debt discharged of, {$860.00}. This matter is FRAUD, because I never had in 2022 any credit card with this Bank, institution.
Product: Debt collection

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, XXXXXXXX XXXX  XXXX failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge. 
On the date XX/XX/2022 XXXX XXXX, agent, XXXX XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.