23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have had our mortgage for over 20 years and ever since Bank of America took over our original mortgage company Countrywide, I have had on going issues. I have been trying to be able to prepay more than one periodic payment without it being applied to principal balance of the loan. I want to be able to make payments as often as I choose and for the life of the loan. 
I have spoken on the phone with the main customer service several times over the years. They would post my payments incorrectly. Each time I spoke to someone, I was given different instructions and was told flat out that I could not make additional payments at any time or make prepayments. With no explanation or help. 
On XX/XX/XXXX I spoke on separate occasions to 2 agents XXXX XXXX XXXX XXXX ). They both said that Bank of Americas policy was not allow early payments. Frustrated, I spoke to the Bank of America XXXX, XXXX branch manager. She tried to help, so it seemed, but nothing was resolved. 

Another phone call to customer service, I mentioned the clause I found in my statement below. I was told to mail a written request. Which I did on XX/XX/XXXX and have yet to receive a response or resolution. 

Paying your loan ahead You may prepay your periodic payments one month in advance. If you want to prepay more than one periodic payment, please contact us. Keep in mind that if you dont contact us or we dont receive written instruction from you, and you attempt to prepay more than one periodic payment, we will apply those payments to the principal balance of the loan. 

Then I received a letter dated XX/XX/XXXX, regarding our homeowners insurance premiums. On XX/XX/XXXX, I called the phone number XXXX listed on the letter to get some clarification. The recent letter was notification that Bank Of America paid our homeowners insurance premiums on our previous and current insurance policies, so youll need to cancel one of them and send us your premium refund. What did this mean??? 
First thought was, did our homeowners policy company change? SecondIf so, why were we not notified? Then of course confusion and so many other questions and concerns came up. After speaking to someone about this, she confirmed that our homeowners insurance policy holder was not changed and the last payment was XXXX. And that its all caught up and that the letter must have been sent in error. 
So, I asked the XXXX  lady about my previous issue. I explained all to her and she gave me another address to which I can send my concerns and complaints. I am sending it certified mail Monday XX/XX/XXXX. In the letter I advised them that I was also filing a claim with you. 
Every time I try to work with this bank, I have issues. Everyones hands are tied, employees are uninformed or show lack of knowledge of policies, XXXX etc. And no communication. So very frustrating and aggravating.
Product: Credit reporting or other personal consumer reports

Due to a data breach from all three major Credit Bureaus my identity has been exposed and used for fraudulent purposes causing major accounts to affect my credit profile.
Product: Credit reporting or other personal consumer reports

I contacted XXXX XXXX multiple times one date being XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX letting them know that I opt out of them sharing my nonpublic information ( SSN, name, transaction history, account status, address, phone number, account open and close date ) with non-affiliates like Early Warning Services without my permission or consent. They have shared XXXX savings account and over XXXX of my transactions from XXXX account and its status. On the XX/XX/XXXX call XXXX XXXX representative told me that XXXX XXXX does not share any of my information with anyone and I let her know that I've already requested for a copy of my EWS consumer file and it states that they ( XXXX XXXX ) reported this information to EWS. She also stated that since my account is closed XXXX XXXX  will not share anymore of my information. I did let the representative know that this is against XXXXXXXX XXXX XXXX  Privacy Policy and the Privacy Act of 1974 and it needs to be handled. Please see attached documents for reference. This is tarnishing my name, ability to do business with others, causing emotional/XXXX and spiritual health issues. XXXX XXXX privacy policy violates the Privacy Act of 1974 and my rights as a federally protected consumer. https : //www.ally.com/privacy/ # of accounts : XXXX * XXXX * Status : XXXX * Transaction : XXXX Number of Transaction Reporting : XXXX Status Reporting : XXXX Total Violations Owed to Me ( {$1000.00} per violation ) : $ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX sends wrong report to credit reporting Bureaus. 
I first noticed it early XXXX due to a XXXX point drop in my credit score. I noticed that because my main credit card ( XXXX  double cash back ) stoped working and when I called them they said my credit limit has been cut in half due to my most recent credit report. 
That was when I noticed XXXX on my credit report and the first time I tried to check on it. they couldnt find anything based on my information. 
I submitted a dispute through XXXX and they took some time but they removed the account from my credit report. 
The second time I tried contacting the credit union was when my XXXX dispute was rejected, and transUnion dispute was rejected shortly after that ( or thats when I noticed ). I was on hold with XXXX XXXX XXXX for another XXXX minutes after already waiting for XXXX XXXX m to speak to the customer representative. Finally he said I appear as a secondary on an account and the account is over the limit. When I told them that is not my account and my information has been miss-used he said to dispute through credit report and hung up. 
I had already submitted several disputes about that account and they ( XXXX and TransUnion ) refused to take it down due to confirmed accurate reported from XXXX XXXX XXXX. 
I would appreciate it if you could please help me in this matter.
Product: Checking or savings account

My employer has been impacted by the XXXX ransomware attack and direct deposits are not currently an option. They instead have chosen to give paper checks for wages earned. I deposited 1 check at the local branch ( Fifth Third ), and then the 2 subsequent checks I deposited via mobile deposit. Less than 24 hours after the third deposit I attempted to log into my online account due to having received notice that a payment I had issued from my primary account could not processed. It told me that my username and password were not valid. Concerned about identity theft I called the local branch and the gentleman I spoke to explained he didn't have details but that the fraud department had frozen my account and gave me the number for them. I called them and spoke to a woman who spoke to me rudely about the matter. She stated that my account was frozen due to the deposits and that it would be 10 to 30 days before it was lifted and that should any of the checks be returned they would do a review to determine if I could even continue to use their services. The checks are good, they come from the exact same source that all of my direct deposits have come from for 3 years. I now have bills bouncing and am risking fees in addition to normal billing amounts and discontinued services as a result. And they do not care.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint. This complaint to Experian was the result of their non-compliance with my request and their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

As an Active-Duty Service member, I am ashamed and disgusted with how I was treated during my call with AMEX. On XX/XX/2022 I contacted AMEX in regard to a defaulted account. I explained that I had experienced a financial hardship and that I wanted to re-establish a relationship with AMEX by satisfying my debt. After speaking with the representative for about 20 minutes discussing available options, he informed me that his manager, XXXX, was listening in on the call and wanted to speak to me. XXXX began speaking in a hostel and threatening manner, stating, " they were going to send my account to collections if I didn't take the offer and that I didn't want that ''. When I refused and ask about the financial hardship program, he became annoyed and spoke to me in an intimidating manner. He then told me AMEX didn't offer financial hardship programs, which I know isn't true. I explained, the person I spoke to previously, told me he would get to the perks of the XXXX and now you're telling me this isn't a thing. I informed XXXX that I wanted to come up with a plan and put things in writing so it's a binding agreement and he refused and said they couldn't assist me because I wouldn't make a payment during the time of the conversation. He later stressed the fact that I hadn't made a payment in over a year. I then told him that understood how things worked and that I wanted an agreement. I even stress the fact, AMEX had reported my accounts incorrectly on my credit report that gives misrepresentation of my account status, but my intentions weren't to challenge them but to meet common ground. I have never experienced anything as such from AMEX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Equifax information Services on XX/XX/2022 which is attached via Certified Mail # XXXX XXXX XXXX XXXX XXXX. To have a account that should not be reported on my Consumer Report removed. It is my responsibility to make sure every item is reporting accurately, so my Consumer Report is fair and equitable to me. I previously have been trying to get Equifax information Services to validate and verify all accounts listed on my Consumer Report, but after further review of my Consumer Report a XXXX XXXX XXXX account is being reported that have a Payment status of " Charge-off ''. According to a IRS Publication on the IRS website, the IRS defines a " Charge-off '' as gross or ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT. 

Also I NEVER gave Equifax information Services any written consent to report the XXXX XXXX XXXX  account on my consumer report. NO CONSENT IS IDENTITY THEFT pursuant to 15 USC 1681b ( 2 ) Equifax information Services allowing inaccuracies to be reported on my Consumer Report has caused me to lose faith in the banking system, and as a result I will no longer be extending my credit to anyone, nor will I allow you to furnish a report on my behalf as well. If you would like to continue doing business with me I am demanding you do what I say. 

I demand that these account be removed. Immediately. Accounts listed are in attached document. This account being reported is cause me harm and is XXXX up.
Product: Credit reporting or other personal consumer reports

XXXX : On XX/XX/XXXX, XXXX mailed over a dispute letter to XXXX disputing the completeness and accuracy for accounts on my credit report. I recently received a response from XXXX that was issued by them on XXXXXXXX XXXX  that they received my dispute but they would not process it because they are assuming it is from a 3rd party. Im not sure why they think that as I am trying to fix my own credit and these inaccuracies are harming my ability to obtain credit. I am demanding that XXXX do their job and conduct a proper investigation on the accounts I am trying to dispute. I have attached the letters along with my Drivers license and proof of address. 

XXXX : On XXXX XXXX| mailed over a dispute letter to XXXX disputing the completeness and accuracy for accounts on my credit report. I recently received a response from XXXX that was issued by them on XXXXXXXX XXXX  that they received my dispute but they would not process it because they are assuming it is from a 3rd party. Im not sure why they think that as I am trying to fix my own credit and these inaccuracies are harming my ability to obtain credit. I am demanding that XXXX do their job and conduct a proper investigation on the accounts I am trying to dispute. I have attached the letters along with my Drivers license and proof of address. 


Equifax. On XXXX XXXX| mailed over a dispute letter to equifax disputing the completeness and accuracy for accounts on my credit report. I havent received a response as of XXXX I am demanding equifax to do their job and conduct a proper investigation on the accounts I am trying to dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past 18 months I've tried to resolve an inaccuracy issue that was reported to all 3 credit bureaus. I have reached out to XXXX, XXXX XXXX, and Experian regarding this matter ( disputes were also filed online ). I made a credit card payment for XXXX dollars in XXXX of XXXX to XXXXXXXX XXXX. I was kicked out of the system due to the website 's nightly maintenance. The issue resulted in me receiving a derogatory remark ( 30-day late payment ). I've spoken with 2 supervisors and several customer service reps in XXXX credit card department on several different occasions regarding the issue. XXXX advised that letters were sent to all 3 bureaus to have the discrepancies removed. After speaking with XXXX XXXX on XX/XX/XXXX I was told to request the letter be sent directly to me, I was instructed to upload the letter in the dispute portal online. I called XXXX on XX/XX/XXXX. I was told by the credit department that the system wouldn't allow them to send the letter directly to me. The representative tried to locate numbers to speak with the agencies directly. Unfortunately, he was unsuccessful. After speaking with his supervisor, he was instructed to send yet another letter ( the 4th attempt sent ) to resolve the issues. I'm not sure why the letters aren't arriving to the proper departments but, at this point the inaccurate reporting is affecting my ability to secure my mortage loan. I can't be approved by my lender with any late payments under 2 years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and EQUIFAX continue to violate my rights by being noncompliant United States Code title 15 chapter 41 and title 15 chapter 94. XXXX and EQUIFAX continue to report unverified, inaccurate, and prohibited information. By communicating unverified, inaccurate, and prohibited information XXXX and EQUIFAX are acting in the capacity of a debt collector. By communicating unverified, inaccurate, and prohibited information XXXX and EQUIFAX are discriminating against me. XXXX and EQUIFAX are communicating my nonpublic personal information without my permission. XXXX and EQUIFAX never gave me the opportunity to opt out of certain information being communicated. I sent XXXX and EQUIFAX a letter requesting changes be made to my report. I called XXXX and EQUIFAX after i received the certified mail return receipt for an update and i was told that the prohibited information will still be communicated. I sent XXXX and EQUIFAX a another letter on XX/XX/2002. 
SEE ATTACHED
Product: Credit card or prepaid card

Colo. Dept. of Labor and Employment sent me issued me a U.S. Bank ReliaCard for an unemployment claim I never made.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. Please see attached file for these items I am complaining. 
" " I am not demanding verification or validation of this account. The account listed should be updated to on time as they should be as I was NEVER late "
Product: Credit reporting or other personal consumer reports

XXXX claims I have been delinquent with my payments. But I am a XXXX XXXX  and my payments should have been put in deferment months ago. This in turn reflects negative on my credit report, lowering my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am, XXXX XXXX, submitting this complaint against Transunion, LLC and there is no third party involved. As of XXXX, XX/XX/XXXX at XXXX XXXX XXXXXXXX your company is entering a binding contract ( Attached below ). Also your company is hereby to delete these accounts below as of now. If your company does not delete these account within 3 business days I will seek legal for up to {$3000.00} as your company will be committing aggravated Identity theft. Delete and purge all Hard inquiries. You are hereby Given permission to report NO MORE than 30 % utilization percentage at any time. Should your reporting agency exceed more than that utilization from the aforementioned amount you shall be subject to the fees state in binding contract & above.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX i filed for forbearance due to divorce. No forbearance payments were missed. As of XX/XX/XXXX they stated that i owed XXXX $ plus my current payment to continue. my divorce ended and they gave me scenarios to add remaining balance to end of the loan which would not be due until XX/XX/XXXX. They have since reported delinquency of 120 days. They clearly stated that this option would 100 % not affect credit and mot normal payment would resume XX/XX/XXXX. There was NO payment for XXXX. But the previous conversation had me pay an extra XXXX $ to make sure i wasnt delinquent. This exact thing has happened all over to people. My credit score dropped by XXXX points in 1 day. I was told the remaining balance would be added to end of the loan and this would NOT be reported along with forbearance that would not be reported. The house has been sold and pennymac made whole, no idea why they went against their word.
Product: Credit reporting or other personal consumer reports

I HAVE DISPUTED WITH THESE CREDITORS DIRECTLY AND NONE OF THEM RESPONDED TO MY DISPUTES WITHIN THE FEDERAL 30-DAY TIME FRAME THEREFORE EXPERIAN AND XXXX XXXX XXXX XXXX ALL THE ITEMS LISTED. I HAVE SUBMITTED PROOF OF THE CERTIFIED MAILINGS ALONG WITH THE LETTERS. IASKED FOR PROOF OF AN ORIGINAL CONTRACT WITH MY SIGNATURE AND NONE COULD BE PROVIDED. THEREFORE, MY RIGHTS ARE THAT THE ITEMS BE REMOVED IMMEDIATELY.
Product: Checking or savings account

On XX/XX/2020 I provided my passport ID, Deposit slip, along with a XXXX XXXX XXXXXX/XX/XXXX Cashiers Check that was endorsed to me in the amount of {$37000.00}. US Bank Client Relationship Consultant, XXXX XXXX refused to accept and deposit the check and informed me that the US Bank Branch policy states that the endorser of a check must be present with an ID in order to deposit anything over {$10000.00}. She told me to try another US Bank and maybe they will deposit, but not at this location. 
I asked to speak to a supervisor and had to wait about an hour to see one. The Assistant Branch Manager, XXXX XXXX said that she would go ahead and deposit the check, but that a 7 day hold is required. She provided a " Notice Of Hold '' letter stating that funds are being held due to " Repeated Overdrafts ''. I indicated to her that I have not had any overdrafts and would like a letter showing an accurate reason for 7 day hold. She would not change the notice and told me that I can deposit the check elsewhere or have the endorser reissue the check in my name then she can deposit without any hold. The check was finally deposited, but with a 7 day hold and no funds made available. The deposit was also reported as " Income ''.
Product: Checking or savings account

I requested Key bank to reverse the below transaction that I did not authorize Your Subscription Status Your Plans XXXX XXXX XXXX  Your subscription to XXXX XXXX XXXX was renewed on XX/XX/2021. 

Your credit card listed below was automatically charged XXXX XXXX on XX/XX/2021 for another year of protection. 

MY BILLING INFORMATION Order Number : XXXX Name : XXXX XXXX XXXX Card Ending In : XXXX Total Amount : XXXX XXXX Product Serial Number : XXXX XXXX Logo Hi XXXX XXXX XXXX, Thank you for ordering from XXXX. At your request, or at the request of the fulfiller and/or the manufacturer, we wanted to let you know that the items listed below have been refunded from your order. 

You can also find this information in your XXXX account. 

Your XXXX  Team RMA Number : XXXX Amount Refunded : {$100.00} Name : XXXX XXXX XXXX Order Date : XX/XX/2021 The representative XXXX told me she would have to cancel my atm card, I told her NO do not cancel, and I have gone through this procedure before with XXXX and they did not cancel my ATM card, I asked to look over the notes in my file, she refused THUS KB did not reverse this UNAUTHORIZED TRANSACTIONS
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX