23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I've been struggling to keep up with my mortgage payments due to the pandemic. However I've never missed a payment but have been late several time. Bank of America is fully aware of my current financial situation. I made several request to their customer service department for a " late fee '' waver and was denied each time. If a customer is temporarily struggle to keep up with the payments but still manages to make the payment why not try and assist the customer instead of making it even more difficult for the customer. Bank of America is extremely difficult and refuses to work with their customer during this pandemic. Here 's the latest email that I received from BOA. 


" Dear XXXX XXXX XXXX : Thank you for your Internet inquiry addressed to the Customer Service Department pertaining to your late charges. On behalf of Customer Service, I sincerely apologize for any inconvenience this may have caused you. 

We have reviewed your account records and determined the late charge fees totaling {$830.00} will not be waived. Per the terms of your Note, your payment is due on the first of each month and you have a 15-day grace period to assist with postal or any other mail delays during which payments may be received with no penalty. The balance has carried over every month on your monthly statement unit paid. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I FAXED OVER MY FTC REPORT SEVERAL TIMES AND EQUIFAX STILL CLAIMS IT NEVER RECEIVED IT. THEY MESSED UP AND HAD 2 CREDIT PROFILES ON ME AND STATED THAT IT HAPPENS SOMETIMES!!!! I AM A VICTIM OF FRAUD AND I WANT THIS REMOVED FROM MY ACCOUNT!!!!!  ONCE AGAIN I AM SUBMITTING EVERYTHING, BUT THIS TIME I HAVE PROOF THAT IT WILL BE SENT.
Product: Vehicle loan or lease

After paying my 60 payments on my auto loan I reach out to a particular Customer Advocate at Huntington Bank why I still owed {$2600.00}. I received an email from this individual that was matter of fact on my original loan agreement. I already knew of the loan agreement and wanted to know what this amount owed was. Was it additional principal and interest? Was it late fees? How can I take of of this amount owed? Who or what dept. should I contact, etc.. I emailed this individual 5 times - XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23 and finally on XX/XX/23. I have saved all emails to be safe. Not one response came back over the 30 days and 5 emails I sent. In that time frame Huntington Bank then showed me as delinquent and reported me to the 3 main credit bureaus. I was a XXXX FICO score and prided myself on having exceptional credit. Why would I destroy my credit after paying the obligated 60 payments on this auto loan. My FICO score has now been reduced by XXXX points and will take7 years to remove. I have contacted Ohio XXXX  and Attorney General for the State of Ohio. I need help to get back my exceptional FICO score and not have this negative impact due to zero response from the bank when I tried 5 different times to get help. I have the name of the individual at the bank but not sure if that is needed.
Product: Debt collection

This collection was paid. To Enhanced Recovery CO L. There was also communication indicating this would be removed from my credit report once paid in full. I paid the debt. However, ENHANCED Recovery CO L continues to report this derogatory information on my XXXX Credit report. This company agreed it would no longer be reported if paid off, which I did. But, they refuse to take information off my report. Please assist. 
Amount owed shows as XXXX dollars. XXXX XXXX XX/XX/2018. Lastly, I have reached out to this company repeatedly with no response after paying them.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inquiry from Regions Bank on my credit report from XX/XX/2018. I never applied for any type of credit with this company EVER. I've sent them a certified letter asking them to have the inquiry removed from the credit bureaus but they've refused to do so. They have no validation showing that I applied for credit. This is negatively impacting my credit worthiness and I want the inquiry removed from the credit bureaus IMMEDIATELY. Thank you.
Product: Credit reporting or other personal consumer reports

My personal information was exposed in a data breach without my consent and I demand all inaccuracies be removed immediately
Product: Payday loan, title loan, personal loan, or advance loan

The below statement shows the interest is higher than expected as it is higher than what is going to principle. At this rate I will never get this loan paid. This was for XXXX XXXX  that went onto my house and the company filed bankruptcy then my loan was purchased by the loan agency below.
Product: Vehicle loan or lease

My husband committed XXXX  in the vehicle. Car was taken to impound and behind our backs repossessed unfairly. No warnings, no communication no chance to retrieve information or personal property. We are at a huge loss. The car was basically stolen from our possession and this company took advantage of my husband 's death to deceive us.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of this year I logged into XXXX XXXX to make my car payment. the system was down to do so. They marked my credit for 30 days late ro crb. Refused to fix,
Product: Checking or savings account

XX/XX/2018 I tried opening an account with USAA I had previous relationship with them when I used to have an Auto Insurance policy with them. Was told that my online account was under review and to call back next week. On XX/XX/2018 on called to USAA security department was told that I was clear and that they found nothing wrong with my account and transferred to new member services to open up a checking account. I was told by them that my account was still locked and that they were not going to open up a checking account with me and never stated a reason why? later phone call would stated that my previous military services was the reason why I was denied an account. None of that was ever discuss in our previous phone call.
Product: Credit reporting or other personal consumer reports

DOVENMUEHLE MORTGAGE fraudulently used my nonpublic personal financial information by disclosing said private information information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). DOVENMUEHLE MORTGAGE is depriving my of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to XXXX by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA, the credit bureaus never did a proper investigation. 

In accordance with the Fair Credit Reporting act, my rights have violate by the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 15 U.S.C 1681 section 602 A. State I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions
Product: Mortgage

I went online to Zillow homes to sell my house and wanted to purchase another property and what they did was sold my house to another agency and accepted and application for a loan on another property after the 30 minutes phone interview with the loan officeer and the three year wait they stopped answering my phone calls and maken threats towards me about my application
Product: Mortgage

Hello, We are XXXX desperate family who struggles to keep our home from getting foreclosed. This horrible time had started when my income has being reduced from the recent recession we had in our country. As an XXXX, working on our own XXXX, Me and my husband suffering difficulties to cover all our payments, because our commissions were reduced. The cry for help was answered with multitude of paper trails, lost applications, missing documents, then expired documents, denial letters, offers to short sale our home, and now with a threat to foreclosure. We had no control over the financial crisis in our country, however, we hope that there is someone who can hear us. We want to save our home, please, help us to do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

After multiple attempts and going through the credit bureau, Nationstar/Mr. Cooper continues to report incorrect information about my CLOSED account! The account has been closed for 3+ years! 

I refinanced by loan in XX/XX/XXXX. The wire paying my account in full was sent on XX/XX/XXXX and Nationstar/Mr. Cooper closed my loan on XX/XX/XXXX. However, they reported me 30 days late on payment for XXXX the month my account was paid in full and closed. 

They have been notified multiple times since XX/XX/XXXX. It get fixed and then it shows back up again. Every time I call they say the disputes I filed are " still in processing ''. Do they get 3 years to process this kind of error?? 

Additionally, both XXXX and Mr. Cooper did electronic verification which clearly was not the appropriate way to resolve this complaint!
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) -I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX  of Debt XXXX and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several businesses that have taken me into a deep XXXX. I started working on my credit last XX/XX/XXXX and have gotten my record pretty accurate. I got my first credit card in XX/XX/XXXX and it was in good standing up till XX/XX/XXXX when XXXX XXXX decides to close the account at no real logical explanation. XX/XX/XXXX I opened a XXXX XXXX account and during our business relationship we had some major communication issues and XXXX belittled me up until XX/XX/XXXX when I was notified they no longer want to do business with me! Both accounts were somehow involved with a XXXX fraud account that had applied these two to the fraudulent accounts and was debiting tedious amounts that took some months to notice. I contacted XXXX in XX/XX/XXXX to advise them of the fraud accounts and XXXX alleged to investigate the events and take action. I made several calls up to date and the accounts still reflect in my name. I dont understand why Im being done like this. I call and made complaints with all of them and have documented proof. I was part of the XXXX data breach and possibly the XXXX XXXX yet they do not care that this is not my fault. I can not get a bank account because allegedly Im in XXXX XXXX but the report I got from said XXXX XXXX does not reflect much that renders that decision. Im so terribly confused at the turn of events and the level of treatment I have received. I just learned I was also part of the XXXX data breach from XXXX and was never notified. I have been on top of my credit and these listed accounts and they have dismissed me with no explanation that could help me fix the issue or offer up logical explanation. I have written cfpb and called FTC filed a identity theft report and offered it when necessary. Hand in hand these financial agencies have black listed me and shamed my name for what seems to me what is called a risk factor that I had nothing to do with. They all claim to have fraud prevention liability ect. Im a victim of that Fraud they speak of and they show no sympathy even if possibly at fault. I can not get a credit card for the life of me. I have been postponed starting college do to all this stress and confusion. The literature I have read in these regards is mind blowing conspiracy type incidents. Cupful explains they hold the rights to do what is listed above. What happen to our rights that clearly hold no purpose when exercised? Trust? Act? Privacy? The rights to be heard? The right to know whats being used against me on file? In the USA we call it the land of the free and our constitutional rights are implemented to help us remember! Why and to whom? This is all so pathetic and I truly believe this is rigged to keep poverty where we come from wow how rude!
Product: Checking or savings account

I applied for a credit builder loan. Apparently it's not a loan. Money lion takes money out of your checking account every month and keeps it until you pay off XXXX dollars. Once you pay off this XXXX dollars, they are supposed to give you the money back. I paid off my XXXX dollar credit builder loan on XX/XX/XXXX. Not only will they not pay me. I can't get a superviser. I keep being told the escalation department is handling this already, yet it'd bee. 2 weeks, no one has contacted me. I've called every other day for the last 10 days.
Product: Checking or savings account

I had previously requested Bank of America not to send me unsolicited email messages similar to the ones that are attached to this complaint. Bank of America responded that as part of my agreement with it to receive the banking and brokerage services I had agreed and am obligated to receive and read the email messages similar to the one attached to this complaint. 

In the attached message Bank of America requests that I must according to my agreement with Bank of America " watch your 2019 Preferred Rewards video summary ''. I do not believe that I ever signed any document or agreed online to any terms and conditions of service that would require me to watch any videos as part of the banking and brokerage service that I receive from Bank of America and its affiliate XXXX XXXX. 

I would appreciate that Bank of America acts professionally and that it stops sending me email messages asking me to watch any videos according to Bank of America 's language " as part of your existing relationship with us ''. 

Dear CFPB, It has been a wide spread problem in the banking industry recently when banks and other financial services companies attempt to bypass the privacy policy requirements of not sending marketing materials customers who choose to opt out of receiving such materials by disguising their marketing materials as " service related messages ''. The so called " service related messages '' are designed to contained persuasive language to use other services that the company has to offer such as " Watch your 2019 Preferred Rewards video summary '', are generic in nature ( not related to specific services or transactions that the customer had participated in ), and do not include any methods for customers to indicate that the messages are not desirable for customers to receive such as UNSUBSCRIBE buttons.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to you and I didn't get a response within 30 days. And you'll are required by law to do so. Please investigate my disputes please. 

Thank you
Product: Credit card

Upon reviewing my Consumer Reports, I discovered a collection account that should not be there on my equifax report. Consumer reporting agency play a crucial role in accurately reporting consumer information and it is imperative that this information be reported with utmost accuracy.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear XXXX XXXX, I am writing to address the blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouri Revised Statutes ( RSMo ) Sections 570.223 and 407.020, which govern identity theft and fraudulent credit practices. 

It has unequivocally come to my attention that XXXX XXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

Additionally, Missouri law, specifically under RSMo Section 570.223, emphasizes the serious consequences of identity theft and fraudulent use of personal information. Furthermore, RSMo Section 407.020 prohibits deceptive practices, which include the unauthorized reporting of credit information without the consumer 's consent.

I assert with unwavering certainty that I have not provided consent for XXXX XXXX to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and a complete disregard for both federal and state laws. 

I demand, with the utmost certainty, that XXXX XXXX immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and RSMo Sections 570.223 and 407.020. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including Missouri identity theft statutes.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that XXXX XXXX will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Debt collection

When will the harassment end? This is harassment!!!! Aggravated harassment abuse is illegal. Portfolio Credit Recoveries is lying. I am the consumer, a natural person AND the original creditor. You can not VERIFY debt without me. Have you verified? I will not be providing identity documentation because your response to my complaint proves my claim. I do not owe you this alleged debt. Please find proof of my disputes that you fail to provide documents that VERIFY this alleged account belongs to me. A statement does not prove an identity. As stated, your aggravated identity theft tactics can not coerce me into paying this alleged debt. I am protected by law. You are a debt collector, you are not the original creditor. I am the original creditor. Show me proof that I owe this money from YOU. Show me the bill of sale that you paid for this alleged debt. Please find attached, my proof of cease to desist along with certified proof. I will be contacting the Attorney General about this abuse as well.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( for card ) open a fraudulent account in my name with out my permission this account is not mine, I did not open this account, my information was used to open this account, XXXX just recently had a massive data breach and my information was leaked, someone open this account, please delete this account immediately and block it, I will be providing a identity theft report and information, This card is called the XXXX XXXX XXXX XXXXXXXX XXXX for XXXX XXXX delete and block XXXX XXXX XXXX XXXX XXXX, this account is fraudulent I did not open this account it was open in my name my identity was stolen and used Im sending information for yall to delete this account