23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have always paid my bills on time. In XXXX, however, my business suffered a severe financial crisis and had to declare chapter XXXX. My HELOC was discharged but we wanted to keep the house and so since then I have been working very hard day and night and have been paying my bills on time. I voluntarily caught up the payments on my HELOC in XXXX and then it was sold to a serving company who resold it to SLS. I have continued making on time voluntary interest payments for the past 5 years and have never missed a payment or been late. In XXXX XXXX the HELOC reaches 10 years and I will owe {$730000.00} balloon payment. There was a clause in the original contract that they have the option to refinance. 

I called SLS XX/XX/XXXX to ask them if I could refinance in good time so that we do n't wait to the last minute and have any problems as I can afford the monthly payments, but not a lump sum of {$730000.00}. The person who answered seemed very unknowledgeable and incompetent and said because it was discharged I could not refinance. ( But it was discharged and they have happily taken my voluntary interest payments ). I was told to write a letter with my request and they would get back to me in 5 days. I have faxed the letter and mailed it and they are ignoring me. 

I am feeling like they are loan sharks who took over the loan, and have been taking my interest payment money while waiting for the balloon payment to come due, and then instead of working with me to try and extend the loan or refinance the loan, they are just waiting to pounce on it and take it from me as soon as the balloon payment date arrives. 

We are trying to refinance through other banks and this could very well happen, but just in case it does n't, I need to keep all options open, and I wish they would cooperate with me, be reasonable and discuss our options, so we can get this taken care of in good time.
Product: Debt collection

Bank of America is reporting my credit card account negatively to the credit bureaus. The balance was paid in full, and it is still reporting to the credit bureaus as a balance due. I have a letter from Bank of America dated XX/XX/2022, that reflects a paid in full balance.
Product: Credit reporting or other personal consumer reports

I discovered an unauthorized inquiry on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the listed inquiry down right away. 
XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent dispute letter to Transunion on XX/XX/2019 disputing several accounts found on my credit profile that I did not own. This dispute was received by Transunion on XX/XX/2019. In return TransUnion sent dispute results on XX/XX/2019. Validating all of the debt. I sent a method of verification letter in occordance to FCRA 611 ( a ) ( 7 ) to TransUnion on XX/XX/2019. TransUnion received this notice on XX/XX/2019. TransUnion has yet to respond to my request for method of verification.
Product: Credit reporting or other personal consumer reports

I am disputing a debt reported by XXXX XXXX XXXX XXXX for the amount of {$26000.00}. This debt is incorrect as I was XXXX  from XX/XX/XXXX, to XX/XX/XXXX, and could not have authorized or incurred this debt during that time. 

Details of XXXX  : My XXXX  can be verified through the XXXX XXXX XXXX XXXX website ( XXXX ) using my XXXX  number XXXX. 
Key Issue : The account associated with this debt was reportedly opened or became delinquent during my XXXX  period.

I had no ability to engage in any financial activities or authorize new accounts during this time.

Request for Resolution : I am requesting : A full investigation into this debt.

Removal of the inaccurate entry from my credit report.

Supporting Actions : If needed, I can provide documentation verifying my XXXX  dates to assist in your investigation. 
Please let me know if you require additional information or documentation to resolve this matter promptly.
Product: Credit card or prepaid card

Complaint XXXX was opened on XX/XX/2023 and no resolution has been provided to date. 

XXXX Submitted STATUS Submitted to the CFPB on XX/XX/2023 XXXX Credit card or prepaid card ISSUE Fees or interest We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT After obtaining a {$300.00} secured credit card with Wells Fargo, I made the decision to close the account approximately XXXX months later. To my surprise, upon contacting Wells Fargo, I discovered that I had been charged interest fees on nonexistent purchases, as well as late fees on those interest charges. Furthermore, despite closing the account, my initial {$300.00} security deposit was not returned by Wells Fargo.
Product: Checking or savings account

I think I am a victim of a hacked account and bad check scam. Around XXXX PDT XX/XX/2020 I received an email someone not me had mobile deposited a check into my account. When I logged into my account it showed my account was locked and did not let me access my money. I tried calling all the Bank of America NA and XXXX XXXX XXXX XXXX numbers and waited upto an hour without response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed account below is erroneous. I did not incur any late payments. Ive made every payment paid on time. You did not proofread the report and did not make sure it was 100 % correct. Here are the details : XXXX / {$9300.00} / XX/XX/2021
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history 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 my 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 to be updated.

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 XXXX days before the payment due date. 


EQUIFAX 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 XXXX  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! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I just got off the phone with GLESI, and they repeatedly assured me that I brought my payments current with them back at the end of XXXX! However the credit bureaus have continued to show me as late since then! I now have 2 accounts that are showing a payment status of late more than 120 days! This can not be! I just consolidated these loans!
Product: Credit reporting or other personal consumer reports

Request for Deletion of Remark from Credit Report Due to Non-Compliance I am writing in follow-up to my previous request where I asked for validation of a debt you claim I owe, specifically requesting a copy of the original contract or agreement signed by me. As of today, I have not received the requested documentation that validates your claim. 

The accounts are as follows XXXX XXXX XXXX for {$3000.00}, XXXX XXXX XXXX {$990.00} XXXX XXXX XXXX {$990.00} In accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I requested proof of the debt and my agreement with the original creditor. The FDCPA stipulates that debt collectors must provide debt validation upon a consumer 's request. Since I have not received satisfactory validation of this debt, including the absence of a signed contract, this casts doubt on the legitimacy of your claim and your authority to collect this debt. 

Moreover, the FCRA mandates accurate reporting of credit information. Reporting a debt that can not be validated is in violation of these standards. As such, I am formally requesting the immediate deletion of this remark from my credit report with all three major credit bureaus : Experian, XXXX, and XXXX. 

If you fail to comply with this request and continue to report this unvalidated debt, it would be considered a violation of the FCRA, and I will take appropriate steps, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action to protect my rights. 

Please provide written confirmation of the deletion of this entry from my credit reports within 30 days of receipt of this letter. 

Thank you for your prompt attention to this matter. If you require any further information or have any questions, please feel free to contact me at [ Your Phone Number or Email ]. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting  creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle.

The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX/XXXX  XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized and inaccurate hard inquiries listed on my credit report. I am requesting that immediate action be taken to investigate and remove these inquiries, as they are unjustified and negatively impacting my credit score and financial well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

DEPTEDXXXX XXXX {$230.00} DEPTEDXXXX XXXX {$3500.00} DEPTEDXXXX XXXX {$910.00} DEPTEDXXXX XXXX {$190.00} DEPTEDXXXX XXXX {$120.00} DEPTEDXXXX  XXXX {$460.00} DEPTEDXXXX XXXX {$3400.00} DEPTEDXXXX XXXX {$3500.00} DEPTEDXXXX XXXX {$2200.00} DEPTEDXXXX XXXX {$1200.00} XXXX XXXX {$1200.00} XXXX XXXX {$630.00} XXXX  XXXX {$410.00} XXXX XXXX XXXX   XXXX {$440.00} XXXX XXXX XXXX   XXXX {$430.00} XXXX  XXXX XXXX {$420.00} XXXX XXXX XXXX {$18000.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX {$650.00} XXXX XXXX XXXX {$440.00} XXXX/XXXX  XXXX {$570.00} XXXX XXXX XXXX XXXX {$650.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Product: Checking or savings account

On XX/XX/XXXX I called customer service to open XXXX disputes on my debit card ending in XXXX for merchandize not received under the case numbers XXXX ( approved ), XXXX ( approved ). 
XXXX and XXXX both transactions were denied without any reason. 

All XXXX transactions were made on the same store on the same date and for the same product. The seller never provided the items. All is the same situation and case. 
All the documentation requested was sent by fax on XX/XX/XXXX, XX/XX/XXXX and for the XXXX denied claims the information was sent for third time on XX/XX/XXXX.
Product: Checking or savings account

So while visiting relatives in the XXXX XXXX area, I frequently stopped in at the CHASE XXXX   at XXXX XXXX XXXX XXXX, XXXX, Texas XXXX # XXXX during the latter part of XXXX through XX/XX/XXXX & these BANK employees harassed me by calling the COPS on me without justification as I was just walking past the bank & not even entering it ... I then was introduced to XXXX XXXX who after he opened my account ASKED me why DO I MAKE ALL these purchases which IS NONE of HIS GOT XXXX business ... I then meet XXXX XXXX who gives me a XXXX form because the IRS has returned my FEDERAL TAX REFUND via MAIL instead of placing in the account I authorized through TURBO TAX..Then on XX/XX/XXXX after checking my account I see that it has BEEN CLOSED but NOT by me & I owe {$40.00} and as I go to approach the BANK I see POLICE so I call the CHIEF of Police in XXXX XXXX, Texas XXXX I XXXX from to alert them that these XXXX, TEXAS XXXX who had forced me physically on XX/XX/XXXX to get in their car & they took me to the HOSPITAL that somehow was In XXXX, TEXAS but I live in XXXX XXXX, XXXX & I was sedated with something and WOKE up at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXXXXXX XXXX XXXXXXXX, consumer, and natural person, I am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). 
MACYS/ DSNB you have continually furnished a misleading, incorrect information to the credit reporting agencies this has violated my federally protected consumer rights to fair and accurate credit reporting under 15 U.S.Code 1681 ( a ) ( 1 ). 

Further to the above violation MACYS/ DSNB you are reporting a PAID account as Collection/Charge-off and from the definition of a Charge off account ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) Charge-off is To treat ( an account receivable ) as a loss or expense because payment is unlikely ; to treat as a bad debt. 
Furthermore from same Dictionary ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX a Bad Debt is an uncollectible, debt and that may be deductible for tax purposes.

This is a notice to CEASE and DESIST. This is misleading and it is affecting my ability to get approved for loan, Mortgage and Credit Card to better my life and family life. It has made me XXXX.

As the consumer and natural person, I am invoking specified remedy and make the following demands : Cease and desist furnishing/reporting to all consumer reporting agencies of the charge-off account that you have already profited from by using as Tax Credit.
Remove reporting of the charge-off account from all consumer reporting agencies.

Provide acknowledgment of this official notification. Do not report ANY information bearing my identification again.

Ignoring this Cease and Desist will be evidence that the infringements were willing, deceptive, and in violation of the FCRA.
Product: Credit reporting or other personal consumer reports

I am distressed that this Bureau has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 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 seven years. 15 U.S.C 1681s-2 ( A ) ( a ) 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. I request the not authorized hard inquiries below : agency : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXt Date : XXXX Agency : Equifax Company : XXXX XXXX XXXX  Date : XXXX Agency : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My mortgage is Carrington Mortgage Services, I have my mortgage payment on Auto pay so never open my statement. I recently opened the most recent XXXX Statement dated XXXX and to my disbelief they are showing That there is an overdue payment for {$4300.00} ( I have no idea what that is for - I looked at my credit bureau and I show as paid as agreed ). Furthermore, under current loan balances they are showing a deferred amount of {$9900.00} ( also no idea what that is for ). 

I spoke to two different representatives at Carrington ( one of them a supervisor ) and neither knew what those amounts were for but insisted that I owed them. I would like for Carrington to remove those amounts from my mortgage and provide me an updated statement along with {$1000.00} for the time I spent on the phone and internet with them.
Product: Mortgage

Co-owners ' rights and obligations can be altered by a written agreement. The rules described below apply unless a written agreement exists that provides differently. 
TENANCY IN COMMONExcept for married couples or registered domestic partners -- who are presumed to acquire all property as community property -- persons who acquire real property jointly normally own the property as tenants in common, unless the instrument under which the property is transferred to them provides otherwise. All co-tenancies between unmarried persons that are not expressly made joint tenancies or partnerships are tenancies in common. A few of the key features of a tenancy in common are : Ownership and Transfer. Unlike joint tenants, tenants in common can own equal or unequal interests in the real property they acquire, and may acquire their interests from different sources at different times. Each tenant in common may sell or encumber his or her interest without the knowledge, approval or consent of the other co-tenants. A tenant in common has no right to convey any other co-tenant 's interest, and any such attemptedTHE PROPERTY IN QUESTION WAS IN A TRUST WHERE ALL BENEFICIARIES WERE TENANTS IN COMMON INCLUDING THE FORMER TRUSTEE ( BENEFICIARY ) BUT AMERICAN GENERAL FINANCIAL/SPRINGLEAF ENCUMBER THE ENTIRE REAL PROPERTY WITH AN UNFAVORAL LOAN PER THE PROBATE COURT, WE HAVE TRIED OVER AND OVER TO FIND OUT HOW THE FORMER TRUSTEE GOT THE LIEN WITHOUT THE PERMISSION OF THE BALANCE OF THE BENEFICIARIES. HE DID NOT REPORT THE SETTLOR/TRUSTEE 'S DEATH FOR ONE YEAR 4 MONTHS AFTER SHE DIED AND 5 MONTHS AFTER HE TOOK OUT THE LOAN ON THE PROPERTY. THE REAL PROPERTY IN THE TRUST WAS THROWN INTO FORCLOSURE BECAUSE NOW SPRINGLEAF FINANCIAL WOULD NOT WORK WITH THE NEW TRUSTEE OF THE TRUST.But that does not mean that the other beneficiaries are responsible for that loan that is his along even though he was theTrustee he is also a beneficiary and must not be partial in dealing with the trust property '' IN THE TRUST IT STATES THAT IF ONE OF THE BENEFICIAIRES DIE THEIR " ISSUE '' IS TO INHERITE THEIR SHARE, Equal Right to Occupy the Entire Property. Although tenants in common can own unequal interests, unless agreed otherwise in writing all tenants in common have an equal right to possess and use the entire jointly owned property. No co-tenant may exclude any other co-tenant from any part of the jointly owned property. Because all owners have an equal right to occupy and use the entire property, no tenant in common may collect rent from another co-tenant. 
THE COURT ORDERED XXXX TO PAY RENT BECAUSE HE HAS ALREADY MOVED HIS FAMILY AND HIMSELF IN AND HAS NOT COMPENSATED ANY OF THE BENEFICIARIESNo Survivorship Right. A key feature distinguishing a tenancy in common from a joint tenancy or community property interest is that a tenants in common interest carries with it no survivorship