23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Bank of America agreed to a loan modification after notifying us a few days before XX/XX/2015. We submitted all their documents they required and they received all documentation. The entire file was copied at sent From a BOA branch in XXXX XXXX directly to the loan modification BOA branch. We had gone through quality control and the file was placed for modification and BOA attempted to stop the sale but the Bank bought our property. I am a XXXX Veteran. I served as XXXX. XXXX. The veterans administration gave me a XXXX income and has already approved and inspected our home for a VA grant of {$90000.00} and a XXXX XXXX grant of {$90000.00} to make our home of 16 years XXXX. They were going to bring the home up to code, and add another room for me with seperates bath and new appliances. The remains money after renovations is paid directly to BOA, lowering the principle. Attorneys for BOA argued in court that they never heard of the VA money and that it was just a sham to delay the foreclose- I paid an attorney to file an objection to the transfer of the certificate of sale. BOA committed the shams, used robo signers, created a document a mortgage note and forged my name on it- nobody cared and I guess that is standard practice for BOA. 
But I do have the benefit from the VA. I would like them to honor the loan modification and allow the VA to upgrade the property and pay down the principal. I have the VA benefit and the income to pay. Why they would want to put a XXXX veteran with XXXX XXXX kids on the street is beyond me. It 's just greedy and plain wrong. Help! XXXX XXXX Home loan team BOA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : VA benefits can be verified for XXXX XXXX by XXXX XXXX, Sr. Appraiser/Specially Adapted Housing Agent office phone and fax XXXX XXXX email : XXXXXXXXXXXX. Mail XXXX XXXX attn : XXXX XXXX XXXX XXXX, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing this letter of complaint to the credit bureau to let them know once more that I was a victim of identity theft. My desire to contest unlawful items that are appearing on my credit record appears to be completely unimportant to the credit bureau. I need the items removed from my file as soon as possible because this is a clear violation of FCRA laws. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$290.00} ; XXXX XXXX XXXX XXXX Balance : {$7200.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$660.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$780.00}.
Product: Debt collection

I used to work for XXXX XXXX XXXX for about 2 years. I have not owed anything with them nor did they tell me i owed anything the entire time working there. I do not kno what this collection is for and i have been consistently harrassed via excessive phone calls every other day. When working there, i reported that my boss was XXXX XXXX  and XXXX XXXX me repeatedly over the entire time i was at XXXX. The next day, i started experiencing harrassment from supervisors and was fired 2 days after my report for unknown reasons. when i asked them to state the reason on my termination letter, they refused to contact me. shortly after, i began to receive harrassment from this debt collector company assosciated with the company. I do not owe anything to the company and have asked them multiple times to stop contacting me.
Product: Debt collection

I, XXXX XXXX entered into a consumer credit transaction with XXXX XXXX. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 use 1605 a finance charge is the sum of all charges in a consumer credit transaction. Because I know the finance charge is the sum of all charges I was not expecting a bill.XXXX XXXX sent me a bill which is a violation of 15 USC 1692b. XXXX XXXX also sold my account over to AMERICAN RECOVERY SERVICE INCORPERATED which they are now attempting to collect this allege debt. Which is now reporting to my credit reports which are in violation of 15 USC 1692 ( d ) 1 and 15 USC 1681a ( 2 ) b, hurting my reputation by not excluding this from my my credit report. AMERICAN RECOVERY SERVICE INCORPERATED is also in violation of 15 USC 1692j for furnishing certain deceptive forms trying to collect debt not owed to them ( See attachment Exhibit! ). AMERICAN RECOVERY SERVICE INCORPERATED Is also in violation of15 USC 1692b ( 5 ) for putting their logo on the document ( Exhibit A ). AMERICAN RECOVERY SERVICE INCORPERATED is in violation of 15 USC 1692b ( 2 ) saying they are a debt collector and saying " This is an attempt to collect a debt and any information is obtained will be used for that purpose ( Check Exhibit A )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Does not have the authority to report any information to the credit Bureaus during an open CFBP / Arbitration case. They are breaking code 12 CFR 1026. They are also not allowing the process to be completed.
Product: Credit reporting, credit repair services, 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. 

Account Name : XXXX XXXX Account Number # XXXX, Account Name : XXXX, Account Number # XXXX, Account Name : XXXX XXXX, Account Number # XXXX, Account Name : XXXX XXXX XXXX, Account Number # XXXX Has violated my rights. 

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 reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.
Product: Debt collection

I dropped off my equipment to XXXX XXXX when I cancelled my service with them on XX/XX/XXXX. I asked the representative if there was anything further that was owed, to which he said " no ''. I paid off the account and that was it. Fast forwarding to XX/XX/XXXX I received a notification on my XXXX XXXX informing me my credit score decreased due to a collection ( over 60 points ). I was NEVER notified in writing by either XXXX or Credit Management LP for over {$500.00} dollars. I contacted XXXX and advised them of the issue to which the stated it was for early termination and they should be able to waive it and remove it. After going back and forth I paid {$180.00} ( price owed was less than that I am supposed to be receiving a check in return ). I contacted the collection agency and they stated they wouldn't be able to remove it because they had to go off of the information XXXX had. I never received any notification about any funds being owed by either XXXX or Credit Management LP prior to it going on my credit. I haven't had a collection in YEARS or any late payments. I feel this is highly unjust, unfair and unruly practices being played by the cable company. I closed my account with a {$0.00} balance and never thought more about it from XX/XX/XXXX from what the rep said at the office I walked in.
Product: Credit card or prepaid card

Target, and their issuing bank TD Bank, lowered the credit limit on my card without informing me 45 days in advance of the change as required by law. I have a 800+ credit score and have paid the Target card in full multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to the FCRA, it is TRANSUNION 's grave responsibility and duty to be reporting correct and accurate information on my credit report and file- however, they are NOT. TRANSUNION is reporting inaccurate late payments for the XXXX XXXX XXXX XXXX account ending in XXXX. This includes the reporting of 120 day late payments on XX/XX/2018. This is incorrect and is supposed to be reporting as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681ad ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes the inaccurate late payments, resulting in TRANSUNION violating my federally protected consumer rights. To add I did not given TRANSUNION written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is very clear that TRANSUNION has violated my federally protected consumer rights and the inaccurate credit reporting is causing me and my reputation severe harm and discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

I live with someone else. This is the second time Since XX/XX/2018 my account information has been co-mingled with our living partners. I have requested twice a validation of Debt in writing with no written or electronic response. Under the law [ FCRA/FDCPA ], this alone proves the debt is NOT MINE. This greedy " corporate '' entity is still trying to take advantage of people during COVID-19 an collect money from sick people who have little health coverage during the pandemic. The account they have been trying to collect from, is from a bank I have been a member of a credit union since before then. Very uncooperative when trying to call on the phone and explain their mix up, I don't have time for this as they reduced hours at work since the start of the Corona virus outbreak. It is such a  RipOff the have XXXX XXXX have complete access to all the consumers credit reports and then try to force them to pay for debts that at not even theirs. They say I owe {$100.00}, I say I owe {$0.00}.
Product: Mortgage

in late XXXX we received a notice that newrez did not have our HOA hazard insurance on file ( despite having this mortgage for several years ). 

On XX/XX/XXXX we called newrez to understand how to get them this information and were told to send it to XXXX per the written documentation, their website, and phone support. 

We promptly send the required documentation at XX/XX/XXXX at XXXX XXXX XXXX requesting a confirmation back. We have yet to hear anything about receiving the proof of insurance. 

on XX/XX/XXXX we received a letter from Newrez informing us that they had not received proof and had then placed lender-placed insurance coverage on our property without our consent and despite providing them proof over a month earlier. This will cost us {$2300.00} taken out of our escrow account. 

All documentation & communication from Newrez has been through regular mail and no copies of this communication, request, or issue can be found on our account. We have not received any other form of communication ( via phone or email ) about the issue in question. We are setup for paperless communication and the ability to verify legitimacy is currently not possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX. I am writing this complaint regarding XXXX. They are reporting items that do not belong to me and have failed to remove the false information. They have not been able to follow the guidelines stated on the FCRA 605B. I have tried multiple times to communicate in regards to this. I have done everything they have asked of me and yet they have still failed to remove the items EVEN WHEN THEY HAVE NOT BEEN ABLE TO VERIFY THAT THE ITEMS BELONG TO ME. They have failed to delete the items even after a lot of communication with them via certified tracked mail. They have exceeded the 30 day turn around time on multiple occasions, yet I have been patient with them due to the Covid problems and they do not have any extra time allowed, even with these issues.
Also, I have verified my identity multiple times. They have been done through the phone, mail and fax.

The following are dates that I have tried to communicate and I will be  attaching the letters sent : XX/XX/2020 XX/XX/2020 XX/XX/2020 They are more dates going all the way back from XXXX of this year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this company and followed protocol for this account being compromised by a burglary/Identity theft several times and company failed to correspond to my concerns and has my identity and filed a police report and company still damage my credit by reporting inaccurate information. I want the information deleted from my credit report immELETEediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the TransUnion Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, TransUnion has failed to respond to my request. 
XXXX XXXX XXXX Date opened : XX/XX/2019 Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( insert date Always add month and year ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action
Product: Checking or savings account

After changed my address from XXXX  to XXXX XXXX my information was used by scammers so i made a police report also made a complain to FTC years back. 
Now i have problem to open new account- need to clear this issue urgently. My secured information- current address all are updated to IRS and creditors.
Product: Student loan

For the past three years my father and I have been paying back my student loans. We initially borrowed XXXX dollars and we now owe XXXX dollars because of interest. We have paid out over 13000 back towards the loan. My father is out of work, and I have been diagnosed with XXXX XXXX. I am not on XXXX but do not make enough to survive and pay loan payments. By the time the loan is paid off it will be over {$380000.00} dollars. They will not work with us to lower payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated that my accounts were properly investigated which is not the case the open date is inaccurate, the date last active is inaccurate, and last date reported is inaccurate. 
violation of the fair debt collection practices act violation of fair credit reporting act
Product: Credit reporting or other personal consumer reports

This is the second and final notice demanding IMMEDIATE removal of the disputed, inaccurate, and derogatory items from the credit file associated with the estate of XXXX XXXX XXXX and [ XXXX, XXXX ]. 
ROUND 1 : Initial Dispute & Legal Foundation A formal dispute was sent notifying Experian of a data breach, fraudulent misreporting, and unlawful defamation of character on the report. You were provided notice of your obligation to investigate, verify, and immediately remove the inaccurate information.

However, your response which was viewed Monday XX/XX/XXXX, blatantly ignored federal consumer protection laws, as follows : 1. Violation of the Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681i o Experian has a duty to conduct a reasonable reinvestigation within 30 days of a consumer dispute.

o Your response falsely claimed that the information was " verified '' without any tangible proof of such verification. 
o Experian has failed to produce any documentation validating the accuracy of the reported derogatories. 
2. Violation of the Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681b o Your failure to properly investigate and remove incorrect data constitutes willful noncompliance and negligent misrepresentation.

o By refusing to remove the disputed items without verification, you are participating in malicious and fraudulent activity that continues to harm the estate.

3. Violation of the Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681c-2 o This provision explicitly mandates the blocking of information resulting from identity theft upon request. 
o You have refused to comply with this requirement and are now in direct violation of federal law. 
o Failure to immediately block this information constitutes gross negligence and intentional harm to the estate. 
4. Violation of 15 U.S.C. 45 ( FTC Act on Unfair & Deceptive Practices ) o Your response falsely claims that I " knowingly obtained '' the disputed transactions despite clear evidence of identity theft and fraud.

o Your deceptive business practice is an unfair trade practice under the FTC Act, subjecting you to enforcement actions and litigation.

5. Violation of 42 U.S.C. 1983 - Deprivation of Rights Under Color of Law o Experian is acting as an agent for third-party creditors while depriving the estate of equal protection and due process.

o By refusing to remove fraudulent information, Experian is engaging in systematic defamation
Product: Mortgage

I applied for assistance and were given a few options, but the options were way more than my current mortgage payment. I'm behind on my mortgage and was offered a possible loan modification for {$1500.00} which is higher than the mortgage payment of {$1500.00}. How can the loan modification payment be higher than the regular payment. I had a temporary cut in hours and just returned back to work with waiting on XXXX XXXX XXXXXXXX. So payment could not be made as I returned to work XX/XX/year>. I have asked for temporary half payments to help me catch up until I can get back on my feet. According to the recent letter XX/XX/year> I only qualify for deed in lieu. It seems like Fay servicing only want my house. I just got the house and had the deed transferred to me. I have several complaints against this company as you can see previous complaints. I feel the consumers doesn't matter and people homes are the only thing that important to the company. I'm trying my best as I have a XXXX now and trying to get assistance with these high house payments. The mortgage is only {$110000.00} so why is my mortgage payment {$1500.00}. That's way to much as the house was just deeded to me. My intent is to keep my home as I'm having XXXX XXXX made to help me in the home It will be hard to lose everything and get assistance for XXXX. I just need extra time to get payments in as I'm 7 month behind.
Product: Credit card

Dear Madam/Sir, Chase Bank cancelled my credit card then reinstated it via your help ( please see docs ). after reinstating, they are not sending my credit card statement hence creating a scenario of me defaulting. This is not a way to retaliate. Please help as I am becoming a victim here. Card # XXXX. 
Very Sincerely, XXXX XXXXc.c. XXXX XXXX Chase Executive Office
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. ( XXXX XXXX  XXXX : # XXXX ) ( XXXX  XXXX : # XXXX ) XXXX : # ( XXXX ) has violated my rights. 
I looked at my equifax credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX  ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are suppose to 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. 


I provide highlighted copies of my credit report to show all the inaccuracies. ( highlighted in yellow )
Product: Credit reporting, credit repair services, or other personal consumer reports

Freedom Mortgage doubled our mortgage payments from approximately {$1800.00} to {$3600.00} beginning the month of XX/XX/2021. I tried calling to reach someone to discuss and received telephone prompts. As I continued to follow the prompts, I was given an option to pay either a minimum amount ( {$1800.00} approx. in which was our regular payment amount ) or the new payment amount ( {$3600.00} approx. ). 
After paying the minimum amount we eventually found out later that the amount we paid was placed into an unapplied funds account and not credited to our mortgage payment. This led to a credit reporting for missed payment. We disputed the report to no avail. In the meantime we spoke with several representatives whom sited that the payment increase was due to property taxes not being accurately calculated for XXXX. We did get a payment reduction after our negative escrow balance was spread out over time. Yet, we are still faced with a bad credit reporting, in which dropped our credit scores substantilly. 
We've continued to try and get this resolved with the company, in regards to the miscommunication as to their telephone prompter. However, someone in their XXXX XXXX office pretty much called us a lie in regards to the telephone prompter. However, she did go on to say that they working on getting our mortgage payment reduced even further than the recent reduction, we're still waiting on that. As of now noone returns our calls. Whenever we do reach someone, everyone seems confused ( No notes!! ).
Product: Checking or savings account

I will have money in my savings set amount some how crazy amount that I know I dont transfer will transfer from my saving to my check account. Like yesterday it took out XXXX its been doing that for years I never see are I never know where it goes.
Product: Checking or savings account

I created a sofi bank account in mid XXXX and received my first direct deposit on XX/XX/XXXX for {$4800.00}. Everything seemed to go through OK but my account was frozen the next day. I called daily and after a few days the restrictions were lifted on XX/XX/XXXX or XXXX. After the restrictions were lifted I paid a couple of bills and thought everything was OK. Within 3 days of lifting the restrictions, my account was restricted again. After 2 weeks of multiple daily phone calls, I was told that I violated the terms of service and that my account would be closed and that the money would be sent back to the company who deposited it. Annoying but fine, I can just have the company re-issue the payment to another bank I thought. It is now XX/XX/XXXX and sofi still hasn't refunded the money. Over 3 months later and I still have over XXXX XXXX XXXX  locked up in Sofi. This is theft at this point. I have called and emailed over 50 times in the past months and still nobody can do anything.