23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I want to file a SECOND Complaint against Bank of America for the deceitful, dishonest and corrupt method in which they have continued to processed my loan modification, which resulted in another denial. I have faxed all requested and repetitive documents to the loan modification department for quite a lot of month, turning into several years. I was constantly transferred to different Bank of America representative / agents, I believe this is clearly a violation of the HAMP Eligibility program codes 3.1 & 3.2 ( Protection Against Unnecessary Foreclosure ) - ( Suspension of Foreclosure Proceedings in Process ) and codes 4.1 & 4.2 ( Single Point of Contact ). 

My husband, a Veteran of XXXX, suffered illnesses as a result and was diagnosed with a medical condition making it impossible for him to work causing a horrendous hardship. I believe as a Veteran he should be given special consideration per the Veteran 's Administration 's own guide lines. XX/XX/XXXX I desperately call my lender/ servicer Bank of America requesting assistance with our loan due to my husband 's illness. I implored for help I was distressed and anguished, this entire process has become a nightmare. I truly believe once I followed their directive I would be approved for a loan modification, I have continued to plead with Bank of America and explain our difficult situation to no avail. 

In addition Bank of America has persisted to deny our loan modification ; I presume Bank of America 's action is to make it unworkable, impossible for us to get a loan modification under the HAMP program making it impossible for us to keep our home. 


I strong believe Bank of America is not in compliance with the government standards and codes, therefore I ask that you apply your regulatory authority and re-evaluate Bank of America polices and their process of assisting home owners with the modification under the Making Home Affordable ( HAMP ) program, it is my believe their underlying guide lines contains misrepresentation, deception and violation of The Truth in Lending Act-TILA this is federal law was enacted XX/XX/XXXX with the intention of protecting consumers in their dealing with lenders and creditors. 

Furthermore I think Bank of America is in violation of the guide lines of the Emergency Economic Stabilization act of XX/XX/XXXX and Foreclosure Relief Act of California Senate SB 1137 and Cal.Civ.Code 2926.5 & 2924 and I fall within the aforementioned guidelines. 

The lack of willingness to assist home owners, specifically those who have served our country and suffered gravely illness and are the Veterans of XXXX and are going though a crisis, this should not be tolerated by your organization. Bank of America has demonstrated once again we are insignificant to them they lack customer value and fail to respect our Veterans of XXXX in crisis.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and experience are in of violation of 15 usc1692c i have not given written permission to report my transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed that my data had been released/breached by Equifax. I attempted to file a claim for compensation after verifying that my data had been compromised, and I was emailed saying my compensation request for {$120.00} was denied, with no further recourse, and I had no email confirming my submission to the class action. 

I sent an email complaining to the company in early XXXX, and received no response. Was this another scam to collect SSNs and no intention of honoring their settlement? I cant even get credit monitoring now, and may miss the action deadline.
Product: Credit card or prepaid card

Date : XX/XX/2022 NAME : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX Texas XXXX American Express XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, New York, NY XXXX ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ADVERSE ACTION DATED OF DENIAL XX/XX/2022 Recently, I, XXXX XXXX XXXX, was denied an extension of credit by American Express. On XX/XX/2022 you submitted credit card application, I applied for BLUE CASH PREFERRED ( SM ), GOLD CARD FROM AMERICAN EXPRESS, PLATINUM CARD. 
As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). American Express has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me dated XX/XX/2022 is both a proof and evidence that I have been discriminated against, you are also criminally liable. American Express should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 

Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 

BEST, XXXX XXXX XXXX Without prejudice, all natural inalienable rights reserved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 1st request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - {$720.00} never had a account with this lender XXXX XXXX  XX/XX/XXXX victim of fraud never open this account
Product: Debt collection

Credence Resource Management LLC. 
XXXX XXXX XXXX XXXXXXXX MI XXXX Received statement in mail on XXXX XXXX, XXXX to pay {$2000.00} for an ambulance ride from XX/XX/XXXX. 
Reference # XXXX
Product: Money transfer, virtual currency, or money service

I was reviewing my credit report and I found a bill from XXXX XXXX that was sent to collections on the dates that it was acquired I had full medicaid and shouldn't have the collection more than. One dispute has been entered and they refused to remove and submit a claim for my insurance it is therefore not a valid debt
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. 
XXXX XXXX XXXX : XXXX, XXXX XXXX, XXXX XX/XX/XXXX. has violated my rights. 

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 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) 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.

15 U.S.C. 1681B ( 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 or other personal consumer reports

My account with XXXX 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 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 in months that are reported late 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 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! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage that I obtained with XXXX ( XXXX XXXX ) on XX/XX/XXXX was sold to NationsStar/Mr. Cooper on XX/XX/XXXX and when they sold it NationsStAR/Mr. Cooper booked it on my credit report as a NEW TRADE Line when its not. XXXX XXXX won't approve new credit card requests if you have 5 new trade lines within 24 months. I want it removed from my credit report as a NEW TRADE Line and have it be shown as a transfer. Both XXXX and NationsStar show the same loan as a NEW TRADE line and its not accurate and impacting my ability to get a Credit Card from XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that does not belong to me and i want them to be remove from my credit report asap. 

1. Identity Theft TOYOTA MTR Account Number : XXXX This is not mine. 

2. Identity Theft TOYOTA MTR Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

I looked on my report back on XX/XX/2024 and notice some things are incomplete and not accurate. 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. 

Thes account Names are XXXX XXXX XXXX  ACCT XXXX XXXXXXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX Divison of child support acct XXXX Division of child support ACCT XXXX XXXX XXXX XXXX  ACCT XXXXXXXX XXXX XXXX ACCT XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX Account report and last date active are not reporting accurately I sent letters on XX/XX/2024 to have these accounts reinvestigated tracking number XXXX I got the investigation back but noticed nothing was updated or modified So I requested a copy of the reinvestigation which was not provided which is a violation of 15 USC1681i7 They also violate 15 USC 1681i ( 5 )
Product: Credit reporting or other personal consumer reports

XXXX5 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting or other personal consumer reports

RE : Dispute Request for Removal under 15 USC 1681a ( 2i ), and 15 USC 1681c ( 5 ) of the Fair Credit Reporting Act ( FCRA ) : MONEYLION INC - XXXX I am writing to formally request the immediate removal of the above-mentioned account from all of my consumer report ( s ). The inclusion of this inaccurate and outdated information constitutes a violation of my consumer rights under the FCRA, specifically : -15 USC 1681a ( 2 ) - : The reporting of inaccurate, outdated, or the information in my consumer report is prohibited. This account is prohibited and illegal to be reported on my credit/consumer report because it is a violation of 15 USC 1681a ( 2i ) : ( 2 ) Exclusions. consumer report does not include ( i ) a report containing information solely as to transactions or experiences between the consumer and the person making the report ; this account has listed the transactions and experiences on my consumer report and this is prohibited by federal law. 


-15 USC 1681c ( 5 ) - : The FCRA grants me as the consumer the right to have obsolete information removed from their reports. This account is obsolete due to : being a direct volition and is in violation of -15 USC 1681c ( 5 ) - ( 5 ) : Any other adverse item of information, other than records of convictions of crimes are to be excluded. This account is no such. 



Impact of inaccurate reporting : This act of reporting this account on my consumer report has caused me significant emotional distress, financial strain, and disruption to my daily life as well as loss of opportunities to increase income and also leverage to receive credit and loans. This is a direct violation of 15 U.S. Code 1691e, 15 U.S. Code 1691c, 15 U.S. Code 13, and 15 U.S. Code 1691.

MONEYLION INC has compromised my financial stability and contributed to a deep sense of insecurity about my future financial well-being, reducing my ability to make a good living for myself and my family. I am experiencing heightened levels of stress, XXXX XXXX XXXX as I grapple with the loss and navigate the challenging financial consequences. 
It is difficult to remain focused and productive while coping with this overwhelming sense of loss and uncertainty. I have spent several hours in therapy to remedy the stress of potential losses, however, this has damaged the situation so much more.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report. 

XXXX account XXXX, XXXX, all XXXX XXXX accounts The reporting of these accounts ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain.

Under the Truth in Lending Act 15 USC {$1600.00} ( g ), " credit card '' is defined as the following : The term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, driver 's license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report. 
Best regards, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I went shopping with my father in XXXX, XXXX.We got out of the taxi and as soon as we did a guy acted like he recognized us and said he was a waiter at the XXXX ( where we were staying ). He continued to talk to us and ask if we wanted to see the shop his family just opened. It was XXXX block down and across the street, so we said sure. I looked at a pair of earrings and they said they were {$120.00} but I could get it for {$65.00}. I commented that they werent even marked to be silver and he said his grandmother must have forgotten to stamp them. I figured they were pretty enough for costume jewelry and I didnt care. They said they preferred to be paid by credit card to build their rating. They scanned the card and another person was talking to me. There were 3 of them in the shop. They said they were having an issue with the internet and went to the front of the store. This was the only time I took out my card when I was in town or used it that day. They did not give me a receipt or have me sign. They gave me a certificate of authenticity which I knew was false for that price and they hand wrote {$65.00}. 
As soon as I got to my room I went online and seen there were 2 charges on my card. One for {$1000.00} from a XXXX XXXX XXXX and one for {$860.00} for XXXX XXXX XXXX. There wasnt anything for {$65.00}. I immediately called Capital One ( this was within 2 hrs. of shopping ) and reported it. The gentleman I spoke with said he would cancel the card and report it as fraud. I thought it was taken care of. While unpacking I just threw out the certificate of authenticity knowing it was garbage and thinking I didnt need it. Then just before XXXX I read a letter from Capital one stating that it was determined it wasnt fraud and was paid. Evidentially because they were in possession of my card its not considered fraud even though I didnt authorize the charges or sign for them. This is WRONG. I called Capital One on XX/XX/XXXX and spoke with a manager. I then filed a dispute. They were unable to give me contact information from the vendors and did not care that I didn't sign for the purchases. They said I had to contact the vendor which is impossible via the internet. 
I brought the earring into a jeweler I use, and he confirmed there costume jewelry and not worth more than {$30.00}. I have included a statement from him. 
This is wrong just because they're holding my card they can charge as much as they want and charge via another vendor and not have to prove anything when reported immediately as incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pay my payment to bmw on line as many people have a problem with their billing system you pay the lease payment on line then they contact you stating the payment did not post and Charge you late payment and reporting late fees I have had bmw leases for many years never had this problem till I did on line payment they are impossible to reach and give a constant run around its getting extremely frustrating I want theses 4 late payments removed it completely unbelievable why dont they contact people before the 30 days late no they just want to collect late fees its piracy please help me to remove this ASAP unfair reporting
Product: Credit card or prepaid card

{$6000.00} is on my XXXX  card
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a random late payment showing up on my credit report with a company that i was never late with. If i was ever late it was because i never received a bill. Please help me get this removed. I have tried disputing it with the credit bureaus but not had success and i have had no explanation as to how i was late.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds.I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my credit report and found items that were incorrect such as addresses : only address should be XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX. All 3 credit scores on XXXX, XXXX, And XXXX and all different and not updated. I also have accounts that are also false. I am requesting all these items be removed, updated or Other suggested change to correct the information. Please investigate this matter and ( delete or correct ) all false items and problems. Thankyou so much