23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

- I contacted Bank of America 's ( BOA ) mortgage customer service on the XXXX number on XX/XX/2020, at XXXX XXXX - Spoke with representative XXXX - XXXX and I discussed COVID assistance options - After verifying my account she stated there was one option and that was a deferment - I agreed to enter in a deferment, XXXX stated " the 3- months missed payments would be added to the end of my current mortgage. '' - I was instructed to watch the mail for written correspondence of my arrangements, also that I would receive a phone call from the mortgage department to update my COVID needs closer to the end of the deferment period of XX/XX/2020 - On XX/XX/2020, at XXXXXXXX XXXX, I received a call from XXXX of the mortgage division - XXXX stated " You are not eligible for deferment so you were entered into a forbearance. '' - I explained, I never agreed to a forbearance, in fact the only option discussed was deferment, which is what I entered in with representative, XXXX. 
- On XX/XX/2020, at XXXX XXXX I wrote the CEO of BOA, XXXX XXXX - On XX/XX/2020 at XXXX XXXX, I received an email from XXXX XXXX a resolutions specialist - I called Mr. XXXX on XX/XX/2020 at XXXX XXXX and again on XX/XX/2020 at XXXX XXXX, he returned my call XX/XX/2020 at XXXX XXXX - During the call he acknowledged that incorrect information was provided during my initial COVID assistance call, he states, FHA offers 4 options, we discussed those options and I communicated the options are not favorable and place my household in a further financial bind - I restated, that I was offered deferment not forbearance of my loan. I communicated had those options been disclosed, I still would not have opted for a forbearance of my mortgage - I expressed that I planned to escalate my complaint, and that I felt this was a bait and switch situation - I question, where were those guideline during my call in XXXX? XXXX, never mentioned anything about my loan type affecting my COIVD options. 
- Mr. XXXX states, this is out of BOA 's control they must follow FHA loan guidelines. 
- We plan to touch based on either Friday, XX/XX/XXXX or early the following week - I contacted FHA 's resource line XX/XX/2020 at XXXX XXXX, spoke with XXXX - XXXX states BOA is the lender/servicer and FHA only provides loan guidelines - The HUD website ( https : //www.hud.gov/sites/dfiles/SFH/documents/COVID-19HomeownerHelp.pdf ) tells mortgage holders to contact the mortgage company or servicer, yet they are providing false information which further impacts the finances of millions of Americans
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATEXXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX XXXX XXXXXXXX XXXX, Texas XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v XXXX, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, XXXX et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Debt collection

I discovered this debt on my credit report along with an address I 've never lived at in another state. I contacted the collection agency with my proper contact information and still have received nothing. I contacted the original debt owner, a hospital, and they refused to give me an itemized bill of the charges my insurance refused to pay. I only am being told that this gigantic bill is from my XXXX and I believe I 'm being overcharged and not given the opportunity to prove it. 

I 've been advised that I should have been informed by the hospital that my insurance would be applying the entirety of the visit toward my deductible and given the option to not be admitted as an inpatient for what appeared to be XXXX. The hospital has an urgent care facility on the same block, or they could have directed me to a free/reduced price clinic. At no time did the hospital inform me that I would be paying in full out-of-pocket for the expenses incurred there.
Product: Debt collection

Ive received a letter of deletion and this company continues to resubmit this debt that Ive never owed, damaging my credit for the fourth time, this is very exhausting especially in the middle of closing on a house during a worldwide pandemic, which Ive stated before in the beginning of my home buying process months ago.
Product: Credit reporting or other personal consumer reports

It's been months that I'm trying to fix errors that are being reported on my credit report because my creditworthiness is highly important to me, and the errors in my credit report have had detrimental effects on both my financial prospects and my XXXX XXXX but my requests and complaints kept getting ignored or disregarded which furthers the negative impact on both my life and my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried contacting Experian Credit Reporting Agency to have them remove accounts ( XXXX XXXX - XXXX and XXXX  - XXXX ) off of my report and it has not been done. More importantly, Experian reports a score of XXXX on their application ; however, when going to their website and paying for a report, it is reported at XXXX. This has caused me to be advised by false information when using their " cards or loans that match '' to secure additional credit. This information that they are giving me through their app is false and has caused me great harm and I think they need to remove all credit inquiries this year. As well, they have personal information incorrect.
Product: Vehicle loan or lease

I purchased a vehicle XXXX Drive Time that required major repairs within the first week of purchase. I asked to trade the vehicle XXXX Drive Time is not allowing me to trade for a different vehicle despite the transmission and engine blowing on the [ XXXX, XXXX XXXX, VIN # XXXX ] that I purchased through them, and it has placed me in a great financial hardship. 
I attempted twice to trade in the vehicle due to the major repairs required and the inability XXXX XXXX the vehicle ( Since the first week of having it ) My financial situation has changed, and I am no longer able to make the monthly payments, in addition to the costly repairs that I am told are required for this vehicle, just a short time after purchase. One week after purchasing this vehicle, the transmission needed to be replaced. By the time it was fixed, the XXXX days warranty was up but the car continued to stall while driving. While it was being repaired, I had to XXXX myself and my XXXX small children to and from school and work. Additionally, this vehicle has stalled in heavy traffic and on multiple occasions stopped while in traffic, putting the safety of myself and my children at risk. 
I am now told that the engine needs to be replaced on this vehicle and that the parts required to temporarily salvage the engine, are on back order and have been since XX/XX/XXXX. The total cost to temporarily fix it ( with no ability to estimate how long before the engine gives out completely, is {$1200.00} ). The cost to replace the engine is {$7200.00} for parts and labor. The transmission blew in XXXX ( same month of purchase ) the car has not been driveable most of my time having it and now the engine needs to be repaired. 
I understand XXXX Drive time will sell it this vehicle at auction and seek to bill me for the remaining balance. I have sent them certified letter asking to be relieved of any further payments or debt related to this vehicle and will cut my losses on payments received by me XXXX Drive time in the amount of {$2800.00} ( this includes my {$400.00} deposit at purchase ), despite not being able to use the vehicle much during my lease. 
I have not been able to get much use out of this vehicle due to it continuing to stall and stop, since purchasing it ; due to the major repairs required, but still honored my payments of {$220.00} bi-weekly, despite. I am asking to be relieved of any remaining balance or contract between myself ( XXXX XXXX XXXX Drive Time ) for the XXXX XXXX XXXX XXXX # XXXX. 
I am reporting this in the hopes that I will not be penalized for being sold a lemon. 

I can be reached at XXXX or at XXXX if you have any questions or would like to give me further instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I began paying off and paying down balances on ( 2 ) Capital one credit cards in XX/XX/XXXX. Including paying off total balance on 1 card on XX/XX/XXXX. The bill due date for this card in on the XX/XX/XXXX of each month. the Bill due date for my other card is the XX/XX/XXXX of each month. Capital one has stopped reporting to the ( 3 ) credit bureaus since I began paying down the balances. Capital one has also changed statement date online to further conceal credit score manipulation. Any month that these ( 2 ) cards had high balances or late payments the correct info reflecting such was reported timely to all ( 3 ) bureaus but all months ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) in which balances were being reduced or completely paid off, the information was either reported inaccurately to the bureaus or not reported at all. This is blatent credit score manipulation in which Capital One actively and aggressively takes steps to keep consumers credit scores low. I have attached reports from all ( 3 ) credit reporting agencies to confirm this as well as screen prints from my account access with capital one. I have spoken with Capital one customer care on several occasions to resolve this issue and have been told each time that my updated account info was reported to XXXX, XXXX  and XXXX  on the XX/XX/XXXX of each month. My most recent call to them on XX/XX/XXXX i was then told that my account history was reported on the XX/XX/XXXX of each month. These have clearly been lies as confirmed by my attached documents of credit reports provided directly from XXXX, XXXX and XXXX.
Product: Checking or savings account

Opened the account 2 weeks ago. Two ach transfers from old bank to new. Funds frozen after transfer. Called and chatted numerous times with no resolution. Hung up on twice saying I'm not privy to my own account. Truly unprofessional behavior.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : XXXX 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
Product: Checking or savings account

On XX/XX/XXXX I checked my balance from my Chase App and it showed I had just over {$50.00} remaining in my account. This was perfect for what I needed to get done, so I went to the grocery store, gas station and verified I 'd have enough. So when I check my account balance Sunday XX/XX/XXXX you can imagine my shock that I have 3 NSF fees and another on the way for a total of {$130.00} and this is all for about {$27.00} worth of charges. To say this is excessive is putting it mildly. The company also has reps in customer service that do not care or want to help, they are rude and robotic following a script and clearly not allowed to hear any " excuse '' for overdraft. The bottom line is that I look at my balance and if there is anything pending from debit I would think it would reflect that, in this day and age how can it not? I don not feel I should have to pay the bank {$130.00} for {$27.00}!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, GA XXXX XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2023 Delete From My CREDIT REPORT 4. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

I settled the debt with midland credit as of last XXXX 2021. I have records that prove the amount we agreed upon. The lawyers office said that they sent a letter, and I also sent a letter that showed the amount agreed upon was paid and settled. It is still showing that I have money owed, when it was paid.
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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 XXXX 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. 

Also, they aren't even in compliance with XXXX XXXX credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; COLLECTIONS : XXXX XXXX - XXXX {$7000.00} XXXXXXXX XXXX  - XXXX {$3000.00} XXXX  - XXXX XXXX  - XXXX XXXX - XXXX ACCOUNTS : XXXXXXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, CLARITY, XXXX ETC.. ARE SHARING NEGATIVE INFO AND PULLING EXCESSIVE INQUIRIES.
Product: Vehicle loan or lease

in XX/XX/XXXXI bought a used XX/XX/XXXXcar and was financed through Consumer Portfolio Services. I was never told it was a simple interest loan. The interest rate is 20.45 %. The car was sold at XXXX. To date, I have paid {$16000.00} on the car and CPS has applied it all towards the INTEREST. The principle has only had XXXX applied to it. I have paid XXXX in 5 years in fees. 

I was not told that I had to " mail payments in by check '' if I wanted it applied to the principle until I finally asked what was going on in XX/XX/XXXX. 

I am having financial difficulties and they repossessed the car on XX/XX/XXXX. I have asked them multiple times what I needed to get a lower interest rate or what I needed to do get out of this loan with no answers. 

About 3 months ago I had to tell them to stop harassing me at work and in the evenings with constant calling. 

These are deceptive lending practices. I need help. If i keep this car I will have paid almost XXXX for a XXXX car.
Product: Vehicle loan or lease

On Saturday, XX/XX/2023, I purchased a new XXXX XXXX XXXX XXXX from XXXX XXXX in XXXX, Virginia. This was through GM Financial 's Spring into Adventure campaign, which offered low interest rate loans to purchasers of select new XXXX vehicles. I purchased the vehicle with a {$32000.00} loan over five years at a 2.9 % APR. 

On Thursday, XX/XX/2023, General Motors Safety and Field Action Decision Authority decided to conduct a recall on my vehicle. General Motors notified dealers on XX/XX/XXXX that the vehicle was recalled. 

Had I known at the time of purchase that GM had already approved my vehicle for recall, I would not have proceeded with the purchase. 

I am unhappy that GM Financial, General Motors, and XXXX offered this vehicle for sale, despite the General Motors Safety and Field Action Decision Authority having approved the vehicle for recall two days prior to my purchase. I feel this was deceptive and misleading advertising. I attempted to resolve this complaint directly with General Motors but was ignored ( XXXX and XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

The account being reported by XXXX XXXX XXXX is not valid. The XXXX XXXX credit card for {$380.00} they are referring to had a policy that was to pay off the account in the event that I became unemployed. 

This policy was offered at the onset and served as Valuable consideration for the formation of the contract. I became unemployed before this account went past due and reported the unemployment to XXXXXXXX XXXX who both billed for the insurance and offered it from the beginning. Since synchrony bank received notice that I was unemployed and they knew I had this policy they should have filed a claim. 

As such, XXXX is in breach and XXXX XXXX is attempting to collect a invalid debt.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Goldman sach 's bank usa closed my account ending in XXXX and ending in XXXX on XX/XX/2023 20 minutes after been full identity identicated verified with fraud department who XXXX XXXX a supervisor in fraud dept removed all blocks on account. 
And said it was okay to used both accounts. Also she confirmed there were no account reviews which is stranged from past agents who said only account ending in XXXX was in review. 20 minutes later same day i recieved notices that both accounts were closed. 
I contacted customer services and transfered me back to fraud department a different supervisor told me account was closed from back office team after retriction was lifted from XXXX XXXX. 

I believe goldman sach 's bank usa discriminated me and also closed my accounts due to previous cfpb complaints filed against the company.

i am waiting on a good reason why my account was closed when i was verified threw fraud dept.

its always back in fourth errors with their agents and put unnessary account reviews when issue was resolved numerious times. as a punishment they come up with some excuse to close my accounts as punishment retailation.

i will seek attorney to sue this company for discrimination.

now i have unwanted closed accounts that will damage my credit because of agent errors.