23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We wanted a loan mod from Bank Of America. After receiving the loan modification offer we have decided not to accept the loan modification. 
This whole process has been, in my opinion, a big scam and a disgrace to Bank of America. 
I was led to believe that a real solution, specifically a ten year interest rate reduction to 2 % and a rate of 3 % for the remainder of the loan was what I was working for. After 8 months of continuous uploading of documents, constant phone calls, etc, I was offered a 30 year loan at 5 %, thereby costing me an additional $ XXXX over the life of the loan. I do not see how this is supposed to help me. 
In addition, without my authorization, an escrow account was opened for taxes and insurance. I already pay these items myself and at the time of the mortgage initiation we paid Bank Of America a fee to do so. 
An unauthorized tax payment of {$2600.00} was made in XXXX of last year. Because of this erroneous payment my mortgage payment has increased by {$830.00} per month, from {$1600.00} to {$240000.00}. 
This is beyond " a mistake ''. This is fraud and I intend to treat it as such. 
I have multiple personal and business accounts with Bank of America, including more than one mortgage. After this I intend to take all of this business elsewhere as some as possible
Product: Mortgage

FHA Loan established in XX/XX/2011. 

Monthly minimum payment has been made on time for the last 5+ years. 

I believe the minimum payment should have also had a section that detailed the payment required for MIP Loan to Value ration to have been met. 

I recently requested a review of my loan to have MIP removed, and because the LTV ration was not the required % I am not eligible. I 'll continue to have to make payments so rather than the 5 year minimum, I will likely be paying the full term of this XXXX add on to my payment. 

I feel that the design of the loan without the information of how I needed to increase payments to meet the LTV ratio was deceptive, and wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I have been a victim of identity theft, after checking my credit recently I notices account and collections that do no belong to me, so I was advise to file an FTC report which is attached and a CFPB complaint.
Product: Vehicle loan or lease

Navy federal does not like XXXX people. I have called them for over a month trying to get my loan corrected. I dont even want the vehicle anymore. They are terrible rude and do not listen. All management are incompetent. I added to my loan to pay my taxes. And they charged a higher interest rate ran my credit again when they advised they will mask my credit and honor my interest rate.
Product: Credit reporting or other personal consumer reports

i have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX presume that no proof of the alliged debt. nor therefore any such debt in fact therefore exists. ( please remove these accounts before I see litigation for defamation of character ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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.

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these inquiries ( A ). It is not permitted to report these inquiries as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/XXXX I was made aware of an adverse collection on my XXXX credit report as I sought unrelated credit. The item purported to show {$2400.00} due to National Credit Systems. 

After researching, I determined that collection originated from an apartment building in XXXX, Maryland owned by XXXX XXXX ( the Residences at XXXX XXXX XXXX ), which I had moved out of in XXXX of XXXX. I contacted the apartment building on XX/XX/XXXX to dispute the charge, as I had no record of an outstanding bill and, in fact, had a record showing fully paid at the time of moveout, except for a minor utility bill of {$45.00} that was customarily paid later ( which occurred ). The building management informed me that the property had been sold and that it had no records from that time. It then advised me to contact XXXX XXXX directly. 

Also, on XX/XX/XXXX, I contacted XXXX XXXX  to dispute the charge. I provided the statement from XX/XX/XXXX that showed full payment, except for a {$45.00} utility bill. Capital properties responded that the amount had been sent to collections and that I should pay the collection agency. It further stated that almost all of the charge was to replace carpet. 

Capital properties provided no evidence that the carpets were in fact damaged, let alone damaged because of my tenancy. That is because the carpets were in good condition when I left. In addition, I can attest that from XX/XX/XXXX to now that I am not aware of any attempts by Capital Properties ( or National Credit Systems for that matter ) to contact me about the supposed charges and the reason for the charges. They have also made no attempt to provide any evidence of actual harm to the apartment or that connects the damage to my tenancy. In fact, I only found out about the delinquent item because of an unrelated credit pull on my records. 
Finally, on XX/XX/XXXX, I received a letter from XXXX that indicates that it completed its investigation into my dispute, and it found the credit item as accurate. It did not appear to provide any evidence to support that finding.
Product: Credit reporting or other personal consumer reports

Experians account investigations are inadequate. I have sent certified mail to Experian requesting the incorrect balances on my credit report to be updated and the response was the letter was fraud and not appearing to be from me although it had a copy of my valid drivers license enclosed. 

I have also made several attempts to dispute my accounts via their online portal and the each time a proper investigation was not performed. The information I requested regarding the inaccurate balance was not provided to me or explained ( i.e. account that was sold still showing a balance ). 

It is my right to dispute inaccuracies and Experian does not properly investigate these inaccuracies for their paying customers.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have No proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal, I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of my authorization nor any permissible purpose
Product: Credit reporting or other personal consumer reports

I have a lot of stuff on my credit thats not my stuff, its really messing up my score so I need this stuff thats not mine to be taken off.
Product: Bank account or service

Account was closed by bank they wo n't release funds for at least 60 days. I understand they do n't have to business with me\ can close account but want my funds returned.
Product: Credit card

I see a charge appear on my credit card without me using it to make a purchase. I notice a charge of XXXX XXXX from XXXX appearing on my credit card before the transaction was completed, I also see a warning saying that I don't have sufficient payment history and an immediate payment of {$2800.00} is demanded.I already reported similar incident that happened with XXXX charge appearing on my statement without a purchase made CFPB case XXXX.
Product: Credit reporting or other personal consumer reports

Did not authorize my information to be given to third parties. I did not sign any agreements with any parties.
Product: Debt collection

I have contacted Portfolio Recovery in-regards to a XXXX XXXX Bank debt that is correctly in collections. I have offered Portfolio Recovery a settlement of {$250.00} as that is all l can afford in which they declined the settlement. I then asked for proof of a signed agreement between myself and XXXX XXXX to which I am being told they can not provide.
Product: Debt collection

Lender Info ( Midland Credit Management ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was served court documents XX/XX/2022 in the mail saying that I was going to be garnished by this company for my XXXX XXXX XXXX  credit card in the amount of {$1300.00}. They had already sent information to my job and the garnishment started two weeks after I received the letter. I contacted them after I got release papers from XXXX XXXX XXXX XXXX saying debt was paid in full XX/XX/2022. They claim they never received anything from them and I am still responsible for the debt. I contacted XXXX XXXX XXXX XXXX and she told me the exact date the last payment was sent and thats why she sent the letter to me and my employer releasing me of the garnishment.
Product: Credit reporting or other personal consumer reports

Please check the information that TransUnion is providing inaccurate information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I've been attempting to reach someone at quadpay whom can help me for months. 4 months after first attempt I received response regarding late fees. They are taking way too many payments for accounts already paid or from multiple accounts..
Product: Mortgage

My mortgage payment went up on XX/XX/23 from roughly {$1100.00} to {$1400.00}. They stated that this is due to my escrow being short. My escrow account is {$600.00} short. My mortgage without escrow is {$700.00}. They have increased my escrow from {$400.00} to {$730.00}. My annual taxes and insurance for my escrow is {$4900.00}. The escrow monthly increase would be a total of {$8800.00} for the year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had fraud on equifax report 8 years ago and they put I pay 1 payment a year to not take this illegal way of keeping on my report. 

They tricked me and when I got XXXX XXXX credit card and asked could it have been family or friends? I didn't know 1 month after fraud happened. They then said they couldn't take off credit for 7 years because I said it could be family or friends which it was overseas fraud. Whoever did this took XXXX XXXX dollars cash in 3 weeks without calling me to see if it was right or fraud. They are going to be sued, my attorney general will be called, my personal lawyer will take them to don't for blindly lying to meThey admit they lost police report, lawyer report and ftc repirt.Then their investigation was just as bad as the fraud. They did nothing that the FAIR CREDIT REPORTING AGENCY MAKES SECTION 604, 609, 611 AND 623 AGAINST THE LAW ( FEDERAL AND STATE ) IN 3 WEEKS THEY HAVE NO ID, TAPES, SIGNATURES OR LETTERS STATING I COMMITTED THIS WHICH I HAD TOP SECRET CLEARENCE MY WHLE LIFE. THEY NEED SNOTHER CLASS AGENCY LAWSUIT AGAINST THEM BECAUSE THEY DONT TRAIN THEIR XXXX WORKERS SMERICAN LAWS. I SWEAR I WI BE RICH IF THEY DONT TAKE OFF THE XXXXXXXX XXXX XXXX OF XXXX XXXX DOLLARS, LATE PAYMENTS OVER 5 YEARS AGO THAT WERE PAID AND XXXX HARD ONQUIREYS THAT I HAD FREEZE ON. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX SS XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Credit acceptance is trying to sue me for a car that was repossessed. Charging me {$22000.00} when the vechile isnt even worth that much
Product: Credit reporting

This account has been moved to the state of Idaho and is being paid with a positive payment history. This is a closed account with no ballance or debt remaining
Product: Credit reporting or other personal consumer reports

ive asked for my personal in formation to be updated and it still is not. I want all unverified addresses and names updated to one name with is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XXXX/XXXX/2015 and XXXX/XXXX/2015, I received robocalls from ARSI that were left on my call notes. On XXXX/XXXX/2015, I called back and spoke to a person named XXXX. She stated that the calls were regarding a bill that I owe to Emergency services. I told her I had not heard of them ; moreover, I had not received a bill from their organization or ARSI. I asked her when the bill was sent from ARSI, and she stated on XXXX/XXXX/2015. Therefore, they began calling me before I could have possibly received the bill. When I told her that I was disputing the charges and to cease calling me in the future for payments, she continued to talk over me, continued to attempt to collect the debt, with the latter not legal once a consumer has stated they are disputing it. She should have simply honored my request. When I requested to speak to a supervisor, she transferred me to a person named XXXX. XXXX stated she would make sure I did not receive calls in the future, but she further stated they were not doing anything illegal. I find it to be pretty shady that they are trying to collect on a bill where the provider is unknown and there has been insufficient time to have received a bill that states my credit rights and the option to dispute the bill. After the phone conversation was over, I sent a written notification via their e-mail XXXXXXXXXXXX to cease placing calls and that I am disputing the balance.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax admitted that I was in fact a victim of the data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports.
Product: Credit reporting or other personal consumer reports

My account with XXXX 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 last XX/XX/2023 and XX/XX/2023 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. 


XXXX 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! XXXX XXXX
Product: Bank account or service

I went into a Wells fargo Branch roughly a month ago to discuss the situation regarding the Overdraft Protection fees I continued to get. One month I 'd tallied roughly {$71.00} in overdraft " protection '' fees although the money was in my Savings account and all they did was cover my transactions via that account. I explained that I was no longer interested in the service and the Banker suggested that I open a XXXX checking and savings to remedy the situation. Lo and behold not two days later I was hit yet again with an " protection '' fee because he 'd transferred money to XXXX account and another account and honestly I just wanted to stop using the overdraft service. I would much rather they decline my card and I pay for something using another method than have all these accounts and this " protection '' that is costing me {$12.00} every time I do n't put the money in the right account. It 's frustrating and misleading. If I have the money in XXXX of my accounts, just take it from there. Stop charging me every time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX appears on my report and I have requested this fraudulent account be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX This account is keeping me from buying a home and making it impossible to move forward with my life. 

XXXX XXXX - balance is showing as {$1500.00}, dates open XX/XX/XXXX closed XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

After filing four disputes on XX/XX/2021, Equifax failed to timely investigate and remove the inaccurate, outdated, and/or unverifiable information that I disputed. In addition, Equifax failed to indicate the actions it allegedly took in response to my disputes, when it finally acknowledged one of my disputes on XX/XX/2021. 

I again ask that Equifax remove the inaccurate, outdated, and/or unverified information that I requested more than eight months ago, in my disputes numbered XXXX, XXXX, XXXX, and XXXX. 

I also reserve all my rights under state law to bring civil action against Equifax for these failures.
Product: Debt collection

I advised Comenity Bank to cease calling me. They at calling everyone with my last name even my family members harassing them and phishing for information. The advised did not advised me my name was on the account and ca n't when I have no affiliations with the dental provider they mentioned. Why are they harassing me and my family! They were rather terse and asked if I had a lawyer in what I considered a threatening tone -saying it would be in my interests to call them. When I reached them the lady could not answer how my name is on the account. I asked if they were a debt collection agency they stated they were a BANK. http : XXXX
Product: Vehicle loan or lease

MY CAR LOAN WAS A FEW PAYMENTS LATE BECAUSE I DIDN'T HAVE A JOB, THEN I WAS ABLE TO CATCH UP AND PAY FOR EVERYTHING, WHICH MAKES THIS LOAN SEVERAL YEARS AGO BUT THIS COMPANY KEEPS REPORTING ME AS MAKING LATE PAYMENTS, WHEN THE ACCOUNT IS CLOSED AND PAID
Product: Mortgage

To whom it may concern : Fay Servicing LLC : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX.

Account number XXXX.

Due to a family hardship, in XX/XX/XXXX, we applied for a loan modification with Fay Servicing LLC. We were approved for a loan modification with trial period of three months and with the new monthly payment of {$3200.00} Fixed interest of 3.78 %. The modification took a long time to be written up and in the mean time we kept paying the {$3200.00} every month until finally in XX/XX/XXXX all parties signed the required paperwork for the Mod. Few days after signing the paperwork, the account manager XXXX XXXX XXXX of Fay Servicing, called and told us that we had over two thousand dollars in the suspense account and that we could use that money for the XX/XX/XXXX payment, so we only had to pay the difference which was {$1000.00}. Unfortunately, the payment for XX/XX/XXXXwas already processing and could not be stopped. So I called XXXX XXXX XXXX  and asked if I could use the money in the suspense for the next paymentXX/XX/XXXX. She replied yes certainly and so we agreed on that transaction. Unfortunately, when I received the XX/XX/XXXX statement I noticed that no payment was received for XX/XX/XXXX. I called XXXX XXXX XXXX and she could not explain what happened to the XXXX XXXX XXXX  and that she thought the suspense money had been applied to the principal. We were very angry as we do not have any more money and we were never advised or asked if it was OK and the Modification paperwork did not state anything like that. We tried to get Fay servicing to fix this but they want us to agree to a repayment plan or stay behind a month on our mortgage which show us delinquent of 30 day. So after all this work to be honest and pay our mortgage Fay Servicing put us right back in the same hardship pre-modification. As an unemployed XXXX Veteran I am on a tight budget and a I can not afford. It is ashamed that Fay Servicing LLC develops these plots to force people out of their homes and make money for their clients such as XXXX who actually owns the note. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any account not later than 4 business days after the XX/XX/2022. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. BK OF AMER XXXX