23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

3rd Request for Resolution : Bank of America has been fraudulently charging us for a late payments on our HELOC In XXXX XXXX (? not sure of date ) our HELOC converted to a fixed payment amount to pay the principal & interest from an interest only loan - Bofa never listed that we had " missed a Payment until mid XXXX '' When they listed this late payment that dated back to the original conversion date, they began charging us a late fee with no notification to us that the payment had ever been missed or that we would now have to pay a late fee. I wrote to your department to complain about this. I was working with a woman named XXXX - XXXX never returns phone calls or follows through - She never leaves clear messages so it 's VERY DIFFICULT to hear what number to call her back on when she does call ( after I make 20 calls in a single day trying to get her to call me back ). 

I offered on 4 different times on back & forth phone calls to make the missing payment & have the bank backdate the payment to the original date when we supposedly " missed '' a payment - but XXXX would say she 'd ask and get back to me and then disappeared and never called me back after multiple calls to her office. ( BofA never sent a single notice showing this " missing payment '' until XXXX when it mysteriously showed up on a random bill one day. ) BofA is charging us monthly late fees. I have offered to make the payment & have them backdate it but because they had already sent out XXXX interest statements for XXXX no-one at Bank of America wanted to bother to help us. They keep charging fraudulent fees. because they say that we are paying 1 mo. behind even though we pay our HELOC early each month & make additional principal payments - apparently they 've been using these funds to cover hidden fess and not notifying us this entire time??!! - We have an account manager and this issue was : 1 ) not stated or shown on our monthly statements 2 ) never mentioned by our account manager This is absolutely unacceptable. We want to make an additional payment for this mysterious " past due '' amount and have it backdated to XXXX XXXX when it originally due & have all associated fees & interest reversed. 

This is the third time I 'm writing about this issue because BofA simply will not respond to our request & XXXX wo n't call me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in response to your recent claim that XXXX XXXX XXXX, has verified that the account they are reporting under my name is accurate. I re-disputed this account via CFPB on XX/XX/XXXX. In the complaint I mentioned that the company is reporting inaccurate address and contact information on my credit report. I sent this company two letters dated XX/XX/XXXX and XX/XX/XXXX. Each time the letters were undeliverable due to incorrect address. Per my dispute on XX/XX/XXXX I asked for this account to be deleted, this account is inaccurate and clearly unverifiable. 
Per your response Per your request to conduct a reinvestigation, we contacted the data furnishers to verify the accuracy of the information with which you disagree. The data furnishers verified the information accurate as reported and a result summary was forwarded to you most recently on XX/XX/XXXX, and XX/XX/XXXX. If you have any additional supporting new documentation regarding the disputed information, you may forward that to Experian for further review. This is clearly false because you DID NOT contact the company, you DID NOT mark the account disputed and you only provided dispute results from XXXX. My rights under the fair reporting credit act says that Im able to dispute an account. You verified this account allegedly without conducting a NEW investigation. I will not accept a dispute from XXXX as my investigation. 
Based on this response Im requesting the description of the procedure used to determine the accuracy and completeness of the information, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response, or e-oscar verification is unacceptable. I am requesting a re-investigation AND your method of verification. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. )  Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Credit reporting or other personal consumer reports

There are numerous accounts that I dont recognize and never had business dealings with. Ive tried to remove them for several years but XXXX keeps allowing these companies to reappear as new. Its a violation of my privacy to start with, as I do not know these companies and have never given them authority or consent to my personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX ALLY XXXX XX/XX/XXXX XXXX FINANCE XXXX XXXX FINANCIAL XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My personal information was stolen according to a letter from the IRS. Because the IRS had a massive database breach, that prompted me to check my credit. Upon checking my credit, I have noticed that several inquiries that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC already. The FTC Identity Theft Report number is XXXX
Product: Mortgage

Chase Mortgage has refused my request for mortgage assistance. I have repeatedly requested a modification. Since Chase received a bailout, Chase promised to help consumers stay in their home. Chase has a pattern of not granting modifications to XXXX residents. 
Now that I am back working, I can afford my mortgage payments. Chase is trying to force me to sell. This is unlawful and needs to be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, someone attempted to open a XXXX credit card using my name, address, phone number, email and SSN. I did not attempt to open this card and I was contacted by phone by the XXXX fraud department so luckily the application was denied. On the same date, someone successfully opened a Chime Debit Card and a XXXX XXXX XXXX. I successfully canceled and reported the XXXX and Chime card, but was not aware of the XXXX card until I received the card in the mail on XX/XX/XXXX. I have contacted all three credit bureaus but when attempting to obtain my credit report, I received a letter stating that they are not able to provide me a copy because I need to confirm my address. I sent the requested documentation on XX/XX/XXXX.
Product: Student loan

On XX/XX/XXXX, my parents and I made payments towards my student loans of {$9000.00} & {$640.00} to pay off two loans ( XXXX {$7600.00} and XXXX {$2000.00} ). This was done directly on EdFinancial 's website which allowed me to APPLY my payments directly to these two loans. In a chat with a representative, she confirmed that loan XXXX was paid in the full and also confirmed the balance was reflective as follows : You applied {$2000.00} confirmation number XXXX to XXXX XXXX. 

However- no where on their website nor when I speak/chat or email with anyone is this money actually showing!! When I inquire, I am being told that this payment is going to be handled as a 'cancellation payment ' because this loan was disbursed within the past 120 days. According to my records ( FASFA ) this loan was actually disbursed to my school on XX/XX/XXXX ( this equates to 147 days in-between, well beyond said 120 days ) As of today, Loan XXXX now has a balance of {$2000.00} - as it is continuing to accrue interest at the high rate of 5.5 % ( which is why i wanted this loan paid off ). Upon my inquiry, this loan was at {$2000.00}... 

I am humbling asking for your assistance, my mom & I have spent all week trying to get this resolved and are getting no where. 

I am attaching screenshots of my online account as well as my chat conversation & do have 2 emails if needed. Thank you for your help in this matter!
Product: Mortgage

Trinity Financial Services, LLC a collection company formed in XX/XX/XXXX invests in distressed XXXX loan mortgages caused by the collapse of the housing bubble in XX/XX/XXXX. Because our home was over XXXX underwater XXXX XXXX XXXX through " Making Homes Affordable Program '' helped us keep our home by charging off our XXXX loan and restructuring our XXXX loan including escrow fees, taxes, and insurance which we have been paying down and remain current to this day. Nearly a decade later, Trinity has found a way to capitalize on the recovering housing market by picking up written off XXXX loan mortgages at pennies on the dollar and foreclosing on people 's homes unless the homeowner pays them outrageous and unreasonable profits. Although their websites states they achieve their success by " building relationships and working closely with homeowners through a variety of workout options including modifications and settlements '' this statement could not be further from the truth. Trinity 's MO is to bully the homeowner into paying the full unpaid balance plus ALL interest or suffer foreclosure. They lull you into thinking they 'll work with you by initially offering a modification or a reasonable settlement but it 's nothing more than a method of strengthening their position by gathering all of your personal information. It would have been ideal had they notified us in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX but they chose to wait until XX/XX/XXXX, during the recent housing spike, to contact us in order to resolve this matter because it was in their best interest to do so. I blame XXXX XXXX XXXX for falsely leading us to believe we received a principal reduction and Trinity Financial Services, LLC for remaining dormant by intentionally failing to notify us over all these years for the purpose of maximizing their profits at the expense of the unsuspecting homeowner. Not to mention they have a HUGE problem with the chain of assignment as the assignment deed of transfer documents purporting lawful assignment and thus lawful standing to foreclose appear fraudulent and incorrectly dated rendering standing and the security instrument VOID under the law. With all the improprieties in the chain of assignment and it 's execution they still assert lawful standing yet fail to produce an original note. As a law abiding homeowner we are left with no choice but to defend our only family asset in legal court system. We have invested 11 years on paying this home down, investing our hard earned money on repairs and up keep, on improvements just to let our home go into the hands of these unethical debt collectors. Most homeowners do n't have the money to contest these wrongful foreclosures in court and Trinity knows that which is how they get away with their. They need to be STOPPED!
Product: Credit reporting, credit repair services, or other personal consumer reports

After analyzing my credit record, I discovered a slew of incorrect names, aliases, and residences that did not belong to me. I want to make sure that you are only reporting and retaining correct and genuine information on my credit report in accordance with FCRA standards. Please update any erroneous names, aliases, or addresses in my report. The following is my correct information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021, TransUnion is violating the FCRA XXXX XXXX code XXXX. I dispute a charge off account listed on my consumer credit report by XXXX XXXXXXXX XXXX. This account is a charge off that show a balance. A CHARGE OFF should not report a balance. The balance should report as XXXX. This is inaccurate reporting and I want this account DELETED from my consumer credit report. I have attached a copy of my most recent consumer credit report. Transunion delete this account for inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion had a fraudulent transaction on my credit report. I submitted a police report to them showing that I am a woman in XXXX and that the person who took out a credit card from XXXX XXXX was a man in Florida using my social security number. Transunion website won't give me my credit score and credit report since I have a fraud alert on my account. I object to Transunion having the ability to block me from getting a new car lease because of something inaccurate that they reported. I think they have a responsibility if someone's credit history for 30 years suddenly doesn't match up that they call the customer to check the accuracy. They want to charge me to get my credit report.
Product: Debt collection

Debt Recovery Solutions has reported an old debt as new. They said an account was opened XX/XX/XXXXXXXX XXXX XXXX and the original creditor name was XXXX, balance of {$7300.00}. This debt is many years old, well past the 7 year window. This has been reported to all 3 credit agency 's and my credit score has dropped drastically. The collection company has obviously intentionally violated the law. I am in the process of attempting to file a dispute to the agency 's, but all this takes time and I want to pursue all avenues against the collection company that are available to me. Once again this is an old debt being reported as a new account. The original creditor was XXXX and was well past the 7 year window. Debt Recovery Solutions has falsely opened a new account which is actually several years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope all is well.. 

I just look at my credit report. Someone is pretending to be me. I keep being a victim of fraud and identity theft. Im not for sure whats going on. I keep getting scam calls and I believe thats what happen. This has happen in the past can you please remove the inquiries. Thank you for your time have a wonderful day!
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase issued a new card and I always insist all cards on autopay. Alerts were not forwarded to my phone as with other cards. My XXXX XXXX XXXX  debit card was wrongfully closed by an associate and I was not informed during phone calls to JP and other regular charges through XXXX of issues with my card, I shopped unaware of the problems XXXX XXXX services did not ever send alerts. 
A bank associate closed my debit account causing me to physically be unable to bank. I was sick a lot of the time and did not open the mail. An alert from XXXX, not JP, not XXXX caused me to look closer and discover the JP account hadn't been auto-paid and I couldn't physically bank for a small period of time. 
A few accounts were affected and all my perfect rating was affected unintentionally. JP promised to help if I submitted proof and then backed away from it. I asked to have the phone calls listened to for proof of the lack of information and failure to have one payment processed as I requested. I asked for one payment to process which was not done. This inadvertent mistake caused ripples across the bureaus and other creditors shunned and deemed me delinquent as one of XXXX or more payments came in late. I never saw such an unfair form to penalize a consumer. XXXX  XXXX XXXX gave me screenshots of all the documentation they provided as I complained of the problems caused on several accounts, some just billed me a processing fee, others never filed against me and JP is the only unforgiving company and on this unfortunate error compounded by Covid sickness and bank associate error. Please look at the fine print of the documents attached as JP Morgan Chase asked me to submit them in order to possibly forgive the undetected, unalerted, unwilling error.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX XXXX account is reporting past due to the consumer reporting agencies but per 15 U.S. Code 1666b ( a ) : 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.

and per 15 U.S. Code 1681s2 ( 7 ) ( A ) ( i ) : If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. 
XXXX XXXX XXXX XXXX failed to mail me a periodic statement and failed to notify me in writing of the furnishment of negative information to my home address that is located on my credit reports and on the billing statements provided. The statements provided are also from the month of XX/XX/2022 ; indicating my home address was the same.
Product: Checking or savings account

The frost branch in XXXX, TX called me to my personal cell phone and left a voicemail by representative XXXX. In her voicemail she stated she was calling me to follow up on a bank account I supposedly opened. I searched for the official Frost banking website and called their toll number. The toll number operator searched my physical address and stated an account did not exist with my physical address. He did confirm there was a rep by the name of XXXX in the XXXX, TX branch. He suggested I contact the branch. I then contacted the XXXX branch and was transferred to speak with XXXX. I told her I did not authorize a bank account to be opened but she asked me for my social security number so the account opening process would not follow through. I told her that I did not feel comfortable providing my social security information over the phone. Days later, I received a notice stating an account had been opened with my information without my consent. Frost bank violated the Fair Credit Reporting Act by opening an account without my permission I never provided any PII, identity documents or signed any papers allowing for authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX Balance {$25.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Old Case # XXXX No one can validate this XXXX XXXX account - no signatures, no ID 's, not tracking numbers, no. They are supposed to keep these on file, but instead the only sent me unsigned receipts for purchases in the state of Florida. That is not validation! They are also reporting the account late and with a balance. How can this be legal.
Product: Credit card

This company raises and lowers account limits and interest rates whenever they want. They over charged me for years. The company has no feature for help on false charges They never answer my inquiries, and charged me way too much in interest. I want a cut in the amount due so I can get out of this account. This is a Capital One account and it looks like they do this type of business for years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my reports and noticed you are reporting the incorrect ( date open ) and the incorrect ( date last active ) for this account ( XXXX cred # # XXXX ). Because the date opened and the date last active being reported by your company and XXXX are different, this means the account has not been properly verified. Please delete this account immediately. 

Theres also a copy off my updated credit report provided.showing these inaccuracies