23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter on XX/XX/2020 regarding unknown and inaccurate information on my credit report. As of this date, which is more than 60 days later, I still have not received any response. I am under the impression my disputes, my claims, as well as myself are being disregarded and dismissed. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove those items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the unjust stress that it has caused me. Furthermore, my personal information was impacted by the Equifax data breach whichmay have gotten into the hands of unauthorized individuals.
Product: Credit reporting, credit repair services, or other personal consumer reports

Community Loan Servicing my mortgate provider reported my account ever late 180 days to 3 credit bureaus having me on " forbiddance plan '' covid relief program witch allows you not to make mortgage payments .I called several times and was told that multiple customers were reported to credit burrows by mistake.Report date XXXX was told by representative that on XX/XX/XXXX Community loan servicing sent letters to XXXX credit bearou to remove incorrect information.I talked to XXXX representaive on XX/XX/XXXX and he could not confirm that any disputes were associated by lender. 
I attached copy of the forbiddance plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is Fraud and, I would like to report this. Something needs to be done about this i did not give anyone consent to open any Accounts using My personal Information. This Fraud needs to stop in Florida this is very stressful
Product: Credit reporting or other personal consumer reports

I want to emphasize that I did not provide written authorization to any of the financial institutions involved to share my banking records and history with Chex Systems. This sharing of my nonpublic personal information with your agency constitutes a separate transaction that occurred without my written consent or notice to opt into the sharing of my personal information.
Product: Mortgage

My mortgage payment went from {$1600.00} to {$1900.00} starting XX/XX/XXXX. This is due to new escrow analysis and an astronomical increase in homeowners insurance! Needless to say, I need help with this. I changed from XXXX XXXX which was clearly overcharging me. Now I need Ocwen to redo my escrows immediately so I wont be late on my XX/XX/XXXX mortgage!
Product: Student loan

In XXXX I signed up to attend University XXXX XXXX XXXX. I placed a loan for XXXX. Unfortunately due to unforeseen circumstances, I had to withdraw. I was told that if I withdrew before the time frame, I would not owe the grant I received ( I already knew I was going to have to pay back the XXXX ) in XXXX, I received a phone call from a lady telling me she worked with XXXX XXXX and she was calling in reference to my accounts. I told her I only had XXXX account and she proceeded to tell me " no you just must not remember but you have XXXX. '' I know what I had since I did n't attend long. She kept telling me that I had to consolidate and there was nothing else we could do. I kept telling her that i did n't want to consolidate as i only had the XXXX loan. She repeatedly kept pushing me telling me that this was the only option otherwise they were going to take my taxes for a very long time. Finally i agreed to consolidate. She told me i had to send a certain amount of payments and then before i send anything else after those payments, wait for my coupon book to arrive. The coupon book never arrived and XX/XX/XXXX, my taxes were taken in the amount of XXXX. I am a mom of XXXX and live paycheck to paycheck as it is. I know that i did not have XXXX loans from XXXX XXXX. Now that they have changed their name, they are again telling me i had another loan " I must have forgotten about '' how are they able to do this????
Product: Credit card

On XX/XX/year>, my HSBC credit card shown XXXX charges were made by a merchant called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The charges were XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. I called hsbc fraud team immediately after receiving the email alert, and notifying that all these transactions were fraud and they should cancel the card and send a replacement card immediately. HSBC did the fraud investigation and only recognized XXXX of the XXXX transactions as fraud, which were XXXX, XXXX and XXXX. XXXX other frauds, totaling XXXX, was posted as balance. These balance carries forward and was shown as a post due balance, hurting my credit history.
Product: Checking or savings account

On the afternoon of XX/XX/2023 I placed a total of XXXX banknotes consisting of XXXX {$100.00} bills and XXXX $ XXXX bills. I did not realize that the ATM had a limit of XXXX bills for accepting cash deposits. 

The ATM spit out a number of bills, which I deposited on a second deposit basis. However when I looked at my ATM receipt, I was credited with {$5300.00} instead of the {$6400.00} that I had deposited. I was shorted {$1100.00} by the ATM. I believe that the ATM malfunctioned. 

I immediately went inside the bank and informed the staff, who told me that the branch was helpless to do anything, and I would have to call an XXXX number to file a claim, and I did as instructed. 
More than a month later, I received a standard boiler-plate form letter that my claim was denied after reviewing my account history. 
I have contacted BoA call center a number of times to dispute the finding and to understand how that decision was made. I have not been provided a logical answer. I also emailed the CEO of BOA, and received a call back from the XXXX Escalation office that they would follow up, but that never happened. 
I had hoped that the bank would research the amount of money that was deposited and withdrawn in and out of the ATM in question, to determine if there was indeed more money in the box than the ATM showed. This would require that the actual physical cash in the ATM box should have been reconciled with its electronic readout to determine a discrepancy. Bank of America never did this work.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a card reporting on my XXXX credit report for Bank Of America in the amount of {$9300.00}. I have NEVER applied for a Bank of America Card. I've told Bank Of America, XXXX   and now the Credit Collection Company that this is NOT my card. I was a victim of Identity Theft. This is still showing up on my credit report and NO ONE has reached out to me to resolve this issue. I have sent over 10 letters to both Bank Of America, XXXX and the Credit Collection Agency XXXX XXXX XXXX. This needs to be removed IMMEDIATELY from my credit report. I am a senior citizen and hardly speak any English. Every time I have to call or dispute something I have to have a neighbor help me. This is against the FTC rules to report incorrect information on someones credit.
Product: Debt collection

I hope this letter finds you well. I am writing to address a matter that has been of concern to me and has had a significant impact on my credit report. I recently reviewed my credit report and noticed that there are late payments reported for my accounts. 

SYNCB/CHEVRO XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or SYNCB/CHEVRO customer service I kindly request that you review my account and, if possible, remove the late payments from my credit report. I believe that this gesture would greatly help in repairing the negative impact on my credit history and allow me to work towards rebuilding my financial standing. 

If there is any additional information or documentation you require to support my request, please let me know, and I will promptly provide it.
Product: Checking or savings account

Completely out of the blue, I received a letter from Chase stating that they are closing my checking account and credit cards due to unexpected activity. When I called to ask what caused this, they wouldnt/couldnt tell me, saying a different department had made this decision and that is final and permanent with no appeals process. I have no idea what might have happened to make them come to this decision. They had never given me any indication before that there was a problem. Ive never had any penalties and have always paid my account balance in full on my credit cards. Theres no rational reason I can think that they would spontaneously close my accounts, and its extremely frustrating that they wont tell me why. 
The letter was dated XX/XX/XXXX but I only received it XX/XX/2023 and they said I have until XX/XX/XXXX to withdraw all my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score was XXXX with XXXX of mortgage debt and 7 years after paying off the mortgage and a car loan with the same spotless payment record and a significant more money saved my score is slightly under 800. 
With the sleazy credit reporting companies like Trans Union leaking all the consumer data that they have, and now suggesting that those with lower credit scores should be AWARDED a higher score ( I can only guess they want to cause a 2nd housing financial crisis. What gives here. I want the score to reflect my true credit worthy status and the system will not put my credit score where it belongs because I am not filling the banks vault with interest payments.
Product: Debt collection

I am not sure what category this falls under but a company called Professional Inc. located in XXXX Illinois sued me for a debt that I owe to a bank located in town called XXXX XXXX XXXX. The debt is almost paid off however I noticed that they are taking XXXX dollars out of my paycheck every two weeks and it does n't seem to be adding up because they should be paid off by now. For instance, the last XXXX times I called they said they only received about 70 dollars and then XXXX dollars but my employer is garnishing my wages for XXXX every two weeks so where is the other amount going to? I know that your employer can charge you a fee for your wages being garnished but I have spoke with my employer and they do not charge a fee for that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Trans Union : My credit report has not been updated since I last spoke with you. Your representatives had stated that you are still working on the problem. However, many of my accounts still show incorrect balances and I had spoken to you in regard to several accounts that are not showing payment grids. 

Please update my credit accounts because the balances are incorrect. I am concerned you are not receiving the updates my creditors are sending you or you are not fulfilling requirements under the FCRA. 

Please update and correct my accounts, if you are having system errors please contact me. 

Sincerely, XXXX XXXX
Product: Mortgage

I have been trying for years to get my loan modified with Gregory Funding but they requested upfront funds, which I didn't have. Resubmitted a request to them and they now want to raise my payment from {$2500.00} to {$3400.00}, which is over 40 % of my income and they want upfront funds of {$30000.00} which I do not have. Gregory Funding is telling me this is the only modification the investor will approve. This will cause me to lose my home and they know it. I need help with the upfront fund requirement as I don't have the money and I don't want to lose my home. I am desperate!
Product: Credit reporting or other personal consumer reports

I just opened this card in XXXX, but never received the card in the mail. I called the credit card company to request a new card be sent because I never received the first one. The credit card company said they were sending me a new card and were waiving all late fees. Once I got my credit card in the mail, I then made a credit card payment of my full balance minus the late fees because they said they were waiving the late fees. I even called a second time to make sure all of the late fees were being waived because it had been a couple months since I opened the account. They assured me they were waiving all late fees. Yet, then they reported a {$55.00} late fee as a missed payment to the credit bureau. Its the first missed payment that Ive had reported to the credit bureau in my 17 years of having a credit card. This late payment reporting reduced my credit score overnight by over XXXX points. I called the credit card company again after I saw this late payment posting, and they removed that late fee, but refused to remove the late payment reporting to the credit bureau.
Product: Credit card

I have been a long time customer of XXXXI went to purchase something new in XXXX of XXXX had new financing instead of a store account and put my purchases on a XXXX  account.I have always paid XXXX on time.My statement started out by paper but XXXX  wanted customers to switch to paperless billing.I am XXXX XXXX XXXX and XXXX so it helped out and I agreed to go paperless.I went to pay my account this month and the payment seemed off.I felt my account should be dropping below {$2000.00} but it hadn't.I noticed a {$99.00} annual fee amount? This wasn't in the original agreement when I signed the contract at XXXXI went throught the online statements and realized I paid it in XX/XX/year> as well. XXXX  already charges XXXX interest and has snuck in a {$99.00} annual fee after I purchased my merchandise.This wasn't in my contract at the store nor did I realize it until this morning.I called XXXX and asked about the fee.I was informed they sent me a email when this transpired.I didn't get a email until this morning after calling.I am attaching a copy of the first page.This has for XXXX residents.I live in XXXX and the contract was purchased in XXXXIt is my opioion that they get you to do online billing so they can sneak this {$99.00} fee in on unsuspected customers once they do online billing.I wouldn't have bought the merchandise if I knew I was going to be hit with a annual fee because XXXX XXXX account didn't have this added fee.It isn't only a {$99.00} fee it is {$35.00} interest added on to this fee.I told XXXX if they wanted to continue to get paid I wanted XXXX fee and the upcoming XXXX {$99.00} annual fee removed and interest.The associate said being I was a good paying customer they could credit me for a one time {$99.00} fee and a one time {$40.00} fee.That doesn't come to my {$99.00} x two fees plus interest.I was also informed I would be billed the {$99.00} fee again next year if I didn't pay off my balance by then.XXXX  sold accounts primarily to subprime or less credit holders.I managed to pull up the notice of annual fee statement.It states a {$99.00} fee will appear on your next statement but you can avoid it if you pay your account in full within 30 days of the date your annual fee is billed.This is a bait and switch scam on older & low credit score holders.They get you locked in and switch the original contract.Consumers had no knowledge of this {$99.00} annual fee when signing for store credit and it isn't right.I appreciate your help with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm requesting the accounts below get verified properly or deleted immediately, because the original balances amounts, date opened, status dates, original creditor name balance update dates and creditor contact information are not matching across all XXXX credit bureaus. I sent multiple letters over the course of 1 year requesting that the accounts below or verified. My Last letter was sent off on XX/XX/2022. I asked the credit bureaus to investigate every piece of information, on the accounts I have listed below. Also I have attached the letter I sent out and here is the tracking number XXXX, XXXX and XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 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 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. According to the FRCA the term investigated consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom is acquainted or who may have knowledge concerning such items of information FRCA 15 USC 1681 everything has to be 100 % accurate. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX  Account # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have rights to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : Account Name : Account 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  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 sent a letter last XX/XX/XXXX to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items not later than XXXX business days. Ive already included this in my previous complaint & I am including it again., 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 XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Bank account or service

On XXXX/XXXX/16 I used a foreign ATM Platte Valley Bank they charged me a {$3.00} user fee to use the atm, and then later that day they added an additional {$1.00} fee without explanation. The terms and fees were not listed or displayed on the terminal. plus this buck XXXX is after the fact
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit account under an open consumer credit plan as late for any purpose. 


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 XXXX BANK OF AMERICA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK OF AMERICA : ( XXXX XXXX XXXX ) BANK OF AMERICA : ( XXXX XXXX XXXX ) - 2 payments missed reported
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft. On XXXX XXXX, I sent Equifax a properly constituted Identity Theft Report, which contained a completed FTC Fraud Affidavit which I swore the truthfulness to before a Notary Public, a completed Law Enforcement Page within the affidavit, filled out by the XXXX Police Department officer who took my report, and a copy of the XXXX PD Police Report. I also enclosed a copy of my ID and a utility bill to establish my identity. Finally, I identified the fraudulent information on my Equifax report and advised that the transactions had nothing to do with me. These actions met the requirements for blocking under FCRA 605B. 

Equifax claimed several times that they did n't receive the fax, so I sent them a letter, which they received on the XXXX of XXXX, 2017. Once Equifax received the documentation, they disputed the three fraudulent accounts on a thirty day " normal/non-identity theft '' dispute cycle where the information furnisher is able to just say that the information does indeed belong to me, which defeats the point of why 605B was amended into the FCRA. 

I have repeatedly called Equifax and they have stated that they can not over ride the decision of their mail room to put it in as a 30 day dispute. So they are unable to provide a reason under FCRA 605B ( c ) on why they refuse to block fraudulent information.