23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

CLAIM NUMBER XXXX TO : CREDIT CARD XXXX DEPARTMENT Bank of America XXXX XXXX XXXX XXXX, Arizona XXXX CLAIM NUMBER XXXX Gentlemen, attached is the information I have on the fraud on my account to support the {$2000.00} plus fees are not mine. 


First, please note this activity has not been seen in my account history back to XXXX. Bank of America has historically notified me of " Unusual Activity '' on my account, but did not do that in this fraud instance of XX/XX/XXXX. Why is that? I have NEVER done this type of transfer, EVER! 


Attached are print screens I was able to capture while the fraud was in progress. I also had Bank of America on the other phone ( XXXX ) XXXX as the fraud was being committed on my, then, primaryphone ( XXXX ) XXXX. 


It is cruel that you have sent me a letter to not approve this claim ; which Bank of America created on my behalf. I have requested further review with this supporting detail. 


The two credit card accounts they used are : XXXX XXXX XXXX XXXX and the original XXXX XXXX XXXX XXXX ; scammers somehow linked these to my checking ending in XXXX ( currently blocked ) to get {$2000.00} shown on statement XX/XX/XXXX- XX/XX/XXXX. 


I will try to send you my print screens under XXXX more separate e-mails ( couldn't consolidate into this one : o ( Please contact me if I can provide anyfurthersupporting information. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern My credit reports from TransUnion, XXXX, and XXXX have a fraud alert placed on them. This fraud alert is affecting me of getting approved for credit cards. I want it permanently removed from my credit report immediately I have mailed the credit bureaus letters but I never received a response and the fraud alert never came off Attached is my identification documents. 

Please remove the fraud alert right away. 

Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently in school, and my loans are in deferment status. The interest is being reported every month on my credit report and impacting my score as not paid. Due to my loans being in deferment I am not allowed to pay anything on my loans but my credit score continues to be negatively impacted by the interest rate being increased.
Product: Checking or savings account

Chime ( XXXX XXXX XXXX  ) Denied my dispute charges for fraud even though I called several times between XX/XX/2022 and XX/XX/2022 to let them know there had been fraudulent charges. I had to verify my identity multiple times and asked them to suspend my account so those people could stop making charges until the security was changed. Chime reopened my account without telling me while I was at work and those people once again got into my account due to their negligence. They made purchases in another state I dont live in. 
XXXX {$50.00} {$260.00} $ These people cleaned my accounts out and chime refuses to give me my refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous times to solve this issue with experian and transunion and they continue to willfuly ignore what I am telling them to do. I have asked them to remove the following addresses from my consumer report XXXX XXXX XXXX, mi XXXX I have never lived there and also XXXX XXXX XXXX XXXX tx i also do not live there the only address that should appear on my report is the address in this complaint. Also XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is any other promotional inquiry that is not suppose to be there because I did not put it there. XXXX is also reporting negative remarks on my consumer report when the account states that it has been discharged, and XXXX XXXX sent me copy b of a 1099 c they have done which states they have discharged the debt I also opt out of any promotions due t the privacy act of 1974. XXXX and Transunion continues to do what they want to do with my consumer report and they are not complying to federal laws. Also the following companies are reporting that they continue to have deleted from my XXXX XXXX XXXX XXXX XXXX XXXX. and XXXX XXXX XXXX  They have not sent me a free report due to identity theft they continue to want me to pay them and all the promotional inquires lets me know that they continues to sale my identity to companies which is against the law when i have already opted out of them doing so years ago.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported to be removed.

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

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

EPT OF EDUCATIONXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Equifax is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 58 Hard inquiries on my Credit Report. Only 4 of those are accurate. 
XXXX XXXX : XXXX XXXX, XXXX  + Finance/Personal ( XXXX ) XXXX XXXX  XXXX XXXX XXXXXXXX Inquiry XXXX XXXX XXXX, XXXX  + Bank ( XXXX ) XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX  + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX  + Automotive ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX   XXXX Automotive ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX  + Automotive ( XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX  + Finance/Personal ( XXXX ) XXXXXXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX  + Bank ( XXXX ) XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX  + Miscellaneous ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/2022 + XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XX/XX/2022 + Bank ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/2022 + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX  + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX  + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX  + XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX  + Automotive ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX, XXXX + Bank ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX  + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX  + Automotive ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX  + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX  + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX  + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX, XXXX- Automotive ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Permanent Deletion of XXXX  from Credit Report Pursuant to FCRA To Whom It May Concern, I am writing to formally request the permanent deletion of a XXXX  entry from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) sections 623 ( a ) ( 5 ), FCRA Privacy law, and FCRA section 609 ( a ) ( 1 ) ( a ). Upon reviewing my credit report, I have identified a XXXX  entry that I believe is inaccurate and unfairly impacting my creditworthiness. 
The XXXX  entry in question is as follows : - XXXX  Type : XXXX  XXXX ] - Case Number : XXXX - Date Filed : XX/XX/XXXX - Discharge Date : unknown I assert that the reporting of this XXXX entry violates my rights under the FCRA for the following reasons : 1. FCRA 623 ( a ) ( 5 ) : This section of the FCRA mandates that consumer reporting agencies must block the reporting of any information resulting from identity theft or fraud. I have reason to believe that the XXXX  entry on my credit report is a result of identity theft or fraud, as I have never filed for XXXX. 
2. FCRA Privacy Law : The FCRA protects consumers ' privacy rights by ensuring the accuracy and fairness of information reported by consumer reporting agencies. The inclusion of a XXXX  entry that is not legitimately associated with my identity constitutes a violation of my privacy rights under the FCRA. 
3. FCRA Section 609 ( a ) ( 1 ) ( a ) : This section of the FCRA grants consumers the right to request the deletion of inaccurate or incomplete information from their credit reports. As the XXXX  entry is inaccurate and does not pertain to me, I am exercising my right under this provision to request its permanent deletion from my credit report. 
I demand that you conduct a thorough investigation into the legitimacy of the XXXX  entry and permanently delete it from my credit report within 30 days of receipt of this letter. Failure to comply with this request will result in further legal action to enforce my rights under the FCRA. 
Please provide me with written confirmation once the XXXX  entry has been permanently deleted from my credit report. 
Thank you for your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 
Sincerely, XXXX XXXX
Product: Mortgage

On XX/XX/20, I submitted my monthly mortgage payment online via their website. They did not credit my account with the payment until XX/XX/20, and charged me a late fee of {$80.00} since according to them the payment was not made until XX/XX/20. Previously, payments made on or before the XXXX of the month were not charged a late fee even if the payment was not credited to the account until after the XXXX. 

I contacted the company but they said that when the payment is credited to the account is what matters, so I would have to submit my payment via their website 2 days prior to the deadline.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX
Product: Credit card or prepaid card

My wallet ( XXXX ) told me to make a payment by XXXX to avoid interest charges today ( XX/XX/2023 ). 

I made two payments before, {$87.00} & {$160.00}. I dont believe interest was calculated correctly. 

Please tell me the final balance before interest was accessed and the calculation on how the interest charge came about.
Product: Debt collection

I received many calls from Financial Credit Network. 

I spoke to someone there on XXXX XXXX, 2016, she wanted me to disclose my SSN and I would not, she went on to tell me I owed over {$700.00} and if I wanted to pay via my XXXX that day. I advised that I dispute the validity of the debt and to not contact me again. I have yet to receive the FDCPA notice from them. 

I advised them of my dispute, and this dispute has n't been updated to the credit bureaus, violating the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following unauthorized inquiries from my Experian credit report : XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XX/XX/2018
Product: Vehicle loan or lease

Well, for the past year I have made payments to my car loan and when I thought I was caught up I decide to try for a home loan and found through both XXXX XXXX and XXXX that I had XXXX missed or late payments and that the account had not been update since XX/XX/2023. 

So I called twice to ask for information and they gave me the run around about a glitch. 

Then I sent them a letter and return all they sent was a current invoice.
Product: Credit card

Additional interest charges added to the interest payments that I already made. This is predatory lending practices. My monthly payments are increasing as well.
Product: Mortgage

During the closing of my loan, I pointed out to the lender ( XXXX XXXX XXXX ) that they had an error in their algorithm to calculate the property taxes on a newly constructed home. Their formula failed to reduce the total for the 40 % exemption for homes used as a primary residence ( XXXX XXXX County,, Utah ). To preclude re-doing all the closing documents, the lender advised that we could easily fix that after the close. This was in XX/XX/XXXX. After closing, XXXX XXXX XXXX ( XXXX ) advised that they could not change the calculaton until XXXX XXXX County completed there XX/XX/XXXX assessment for values. That delayed the refund until XX/XX/XXXX. ( meanwhile, XXXX continued to bill the excess amounts each month based on their error in the tax calculation. When I received the estimated taxes, I provided that to XXXX and was told they had to wait until the taxes were paid. XXXX paid the tax, but then sold my loan to XXXX XXXX. I contacted Loancare, they reviewed the escrow account after payment and agreed to return a little over {$2000.00} that had been over-collected. That occurred but now, when I ask LoanCare to re-estimate my withholding for the XX/XX/XXXX taxes, I am told that the amont must remain the same, based on what was done at the time of the closing in XX/XX/XXXX and they can not change that until there has been a new tax assessment after the home is 1 year old. That means they will continue to over-bill the escrows until XX/XX/XXXX as XXXX XXXX County asseses taxes in XXXX of each year. LoanCare will then re-evaluate in XXXX and again need to return to me the {$1500.00} or so in excess funds. Seems they would base the monthly withholding on what was paid in XXXX, and maybe increase it by a factor if they project growth in XX/XX/XXXX. The key is that even the new lender is not using the 40 % exemption factor for a primary residence. The biggest issue is with XXXX not following through with their promise to reevaluate last XX/XX/XXXX/XX/XX/XXXXand then selling the loan to LoanCare who in turn continues to use XXXX data from the closing. This is compounded as I purchased 3 properties at the same time. Each one has the same excess being held, so that was over $ 6K in XX/XX/XXXX and will be approx $ 4.5K in XX/XX/XXXXif they do not make the needed changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally asking XXXX XXXX XXXX to Cease and Desist communication in regards to this alleged debt that is negatively impacting my credit report. I never gave XXXX XXXX XXXX permission to communicate with me as a consumer or to communicate with me through any medium regarding this alleged debt. The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. My consumer report is in fact a medium in which is being communicated in regards to this alleged debt. My consumer report is in fact my reputation and my deputing is being hurt by something negatively reporting on there. I do not owe this alleged debt and all forms of communication needs to be ceased immediately. See attached letter for full information
Product: Mortgage

Numerous phone calls were placed with only an automated message and no voicemail to be left nor a representative to speak to. I emailed the company twice asking to report and update the loan was transferred and the account closed along with a reply via letter confirming such activity. I was completely ignored. No letter, email, phone call or correction and update of information was received. My credit report has been still showing as if I have two mortgages rather than one transferred mortgage. This has rejected me from being able to obtain a loan modification, refinance or repayment of any kind. This company was aware of the transfer because it sent me the transfer letter as well as sent to the new servicer.
Product: Student loan

I made student loan payments in XX/XX/2022, and I requested a refund of those payments on XX/XX/2022. I received a response on XX/XX/XXXX saying the request would be submitted for processing and to allow XXXX days. I have followed up a couple times. I followed up on XX/XX/XXXX and did not receive a response until XX/XX/XXXX, and I was told to allow additional time beyond what was quoted. I received another correspondence on XX/XX/XXXX, and the representative confirmed my request was not submitted until XX/XX/XXXX ( the day I received my first follow up response, so apparently nothing was submitted until I followed up ) and was still processing. At this point I am still waiting. This is unacceptable when other servicers are issuing refunds within days or weeks.
Product: Checking or savings account

I got a cash out refinance from a home and paid a few people using XXXX and then wired some money from it as well. They flagged it as suspicious so when I called them to clear it up they determined that the initial money sent to me from the cash out refinance was not legitimate even though I sent them proof of the closing of the loan. 

They closed my account and now are holding XXXX of mine without any time limit on when theyll release it. 

In the process of closing this account all my bill payments bounced and all my creditors are coming after me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX in company contacted me by phone and mail attempting to collect a debt I never agreed or contracted to pay. The calls were harassing aggressive and very threatening. I explained to them then I never agreed or contracted to pay on this debt. After non stop harassing calls I sent in a debt validation letter in didn't receive a response. After months of no response I sent in another debt validation letter and still have yet to receive a response. They started to report negative and defaming information on my credit report as XX/XX/2022. After reporting negatively on my consumers report, they sold the debt to another company ( Credit Collection Services ) also known as " Credit Coll '' who is now reporting negative and defaming information on my account.This company is reaching out to me to collect on this same date I never agreed or contracted to pay.I have sent a debt validation letter to this company as well and they never responded to my request. Since they have never supplied me with sufficient information in order to validate this debt, I don't not feel like my account was handled with accuracy and/or integrity. Therefore, with respect, I am challenging the accuracy and integrity of this information. 12 CFR 1022.41states ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. 12 CFR 1022.41 ( d ) also states Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. Due to the number of inaccuracies with this account which I have highlighted in the image below in the attachment section I know this debt is a mistake and shows this account was not handled with accuracy or integrity. Please remove this account from my consumers report. Due to the inaccuracies of this account # Credit Coll XXXXI have been denied loans I would have been approved for had this account been handled with accuracy and integrity. This has caused me sleepless nights, stress and really bad anxiety.
Product: Vehicle loan or lease

In the summer of 2020 I purchased a vehicle through US AUTO SALES. I also had a loan through US AUTO FINANCE. In the middle of my loan payments they went bankrupt and now I am paying Westlake portfolio WITHOUT any consent or knowledge of how my contract got switched over. 
I am now stuck paying for this car to a company I have no information about or if they will even have the title when I pay it off.