23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I am to formally express my concerns regarding fifth third bank handling of disputes, particularly in highlighting significant issues with the bank on previous issues with this dispute. Despite using online banking and in app chat numerous times and reporting discrepancies, my financial institution failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that I would reason notice requestion additional information about this dispute/ transaction was unfeasible. Fifth third bank has not only neglected to protect me as a consumer but has also allowed merchants to exploit the system, leaving customers vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. Almost 60 days to the date of dispute and formal filing of CFPB complaint against fifth third bank investigation of the same dispute
Product: Credit reporting or other personal consumer reports

Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States XXXX Law ( TILA XXXX XXXXXXXX XXXX XXXXXXXX ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, and XXXX ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section XXXXXXXX XXXX XXXX. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA XXXX XXXX - Civil Liability for Willful Noncompliance FCRA Section XXXX ( XXXX ) ( XXXX ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA XXXX XXXX ( a ) ( XXXX ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C XXXX ( g ) ( XXXX ) ( A ) XXXX XXXX I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.
Product: Bank account or service

I was told by my bank that they did n't accept money orders via mobile upload. I did however upload them. I did n't see the deposits on my account so I went to a branch and had the deposited. Suntrust cashed XXXX sets of money orders and then they closed my account. After I withdrew {$1000.00} I had a balance of {$40.00} well they charged me all types of fees and told me the money orders were no good. I contacted the money order issuing company and confirmed the money orders were good. I have yet to see my {$40.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Collection/Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

On XX/XX/year>, my vehicle was hit by another vehicle that ran the red light. My four-year-old great-granddaughter and I were taken to XXXX XXXX XXXX XXXX by her mother who arrived on the scene of the accident. When I was checked into the hospital by staff, I inquired if I would be responsible for this visit and I was informed that the driver who caused the accident insurance company would be responsible for the medical bill and my visit there. Soon after being checked in, I was taken to XXXX to have a CT scan done. After checking my credit report, I saw that the debt collector Fox Collection Center has sent a collection to all three credit bureaus alleging that I owe them {$1000.00} plus dollars. According to the settlement memorandum from the accident I received from XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX medical bill to my then-attorney XXXX XXXX, XXXX for {$4400.00} XXXX He informed me that he was going to contact XXXX XXXX XXXX XXXX XXXX a lower medical payment. XXXX XXXX sent me another itemized settlement memorandum showing that the agreed-upon amount paid to XXXX XXXX was {$2400.00}. The medical bill was medical according to the settlement memorandum I received.
Product: Debt collection

This debtor will not validate ownership of this debt. They continue to insist that I owe them money for a loan that I did not apply for. I asked for the application verification, etc..to no avail. They menacingly called my home, threatened to negatively report to CRA, repeatedly and stopped by my home personally leaving cards, and quizzing neighbors of my whereabouts. Now, it has shown with a negative impact on my credit report and I want them held accountable. I have asked numerous times to review the loan application that I supposedly completed. I get no cooperation other than threats of damage if it remained unresolved. I would like it resolved once and forever, now.
Product: Mortgage

We purchased a condominium located at XXXX XXXX XXXX # XXXX in XXXX XXXX CA XXXX. at that time the lender for the developer was XXXX  XXXX XXXX . we purchased the property with a first and second mortgage totaling 100 % of the purchase price XXXX. both loans ( XXXX and XXXX ) were with countrywide. after several years we were having difficulty paying our mortgage and in early XX/XX/XXXX applied for a home affordable modification loan through the XXXX XXXX modification program. by this time countrywide had been purchased by bank of america who purchased both our loans. after sending over all financial documentation as requested by bank of america they agreed to modify our mortgage based on the information received to get payments close to 31 % dti. our financials had not increased significantly in XX/XX/XXXX from the time the property was purchased. b of a on XX/XX/XXXX finalized a modification increasing the mortgage from a 30 year to a 40 year loan with adjustable rates after the first 5 years fixed after the 5th adjustment. there was never a mention of the second mortgage nor do we believe the second mortgage was included on the back end ratios during the modification process as required by XXXX XXXX modification program. the second mortgage servicing rights were sold off by b of a during the modification process telling us that they were well aware of the second mortgage owed on the property. it is on the credit report and on title. the modification was finalized in XX/XX/XXXX and we never heard anything from any institution that the second had been only subordinated or left in place or sold off and still owed and on title. i only found out about the second lien still in place after i did a public records search on the property in XX/XX/XXXX and XXXX XXXX XXXX name came up. after contacting XXXX XXXX XXXX they informed me that the servicing rights to this second loan was sent to them in XX/XX/XXXX ( while we were modifying the first with b of a ) and the original balance of XXXX is now XXXX with fees and interest. i attempted to settle the debt for the little that we have and were told by XXXX XXXX XXXX   that the settlement application was approved for the XXXX originally owed. i believe b of a acted negligently at best and fraudulently at worse during this modification process ignoring the second mortgage and transferring the service rights to another servicer during the modification process. i am unable to receive documents as i have requested from b of a to ensure the second mortgage debt was considered in the back end ratios as required by XXXX. b of a only sends me a copy of the modification agreement on the first but does not show what debts were included in the modification process. i have been advised by my attorney to make one last attempt to resolve this through the cfpb before legal action is taken. once again we feel as b of a knowingly ignored the second lien as to reduce their potential loss on the modification even though they actually increased my financing cost over the life of the loan by financing the terms over 40 years as opposed to the original 30 year term on the first mortgage.
Product: Debt collection

Never got a formal letter of debt. No messages left for what debt it was for. Finally I spoke with someone at debt collectors. They finally sent letter for debt. I sent payment in form of XXXX XXXX for total due.Never processed payment and placed on credit report as a collection. ( Please note I never answer my phone and/or return calls unless I know who is calling, too many scams ) If they would have sent a formal letter the XXXX time this payment would have been made. As when they did, when I finally spoke with them. I made payment right away within couple days of receiving the XXXX and ONLY Letter they sent.
Product: Mortgage

I was a co-borrower in a housing loan with my former wife. When I divorced my wife, the loan with OCWEN was modified but the modified loan still shows that I am a co-borrower. I did not give my consent, verbally or in writing or thru an Special Power of Attorney, that I would still be a party to the loan modification. My credit report shows that I have an outstanding home loan with OCWEN/LITTON. I did NOT sign any loan modification documents at all. I have asked copies of the loan documentation from OCWEN/LITTON but they have refused my request.
Product: Credit reporting or other personal consumer reports

I Requested My credit report From Trans union I wondered why my credit score was so low I Reviewed my Report & Notice Fraudalent Activites I Have 3 Inquiries on my account that I am not responsible for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These are fraudulent activities I would like these XXXX Inquiries deleted from my credit report & I want a freeze placed on my credit
Product: Debt collection

I am disputing on all my items on a natural disaster from the Covid-19 that all of us had difficult times when that virus hit, all I am asking is that it be removed from my credit like everyone else received, a grant was given to all credit companies for small collections on items that were owed and this should be removed from this debt collector due to the COVID-19 natural disaster that hit
Product: Credit reporting or other personal consumer reports

Recently, I've conducted an investigation on my credit report and have come to encounter numerous discrepancies and inaccuracies. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer SSN : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an account opened at XXXX XXXX on XX/XX/XXXX. This account has resulted in a fraudulent account appearing on my consumer FICO credit report. I've attached documents with the account in question maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned account as reported. The aforementioned account on my credit report maintained by you were not opened, made, or initiated by me. The aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that the aforementioned consumer credit account is the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, CXXXX 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has failed to provide proof of debt that they are reporting to the credit Bureaus Fair Debt Collection Practices Act, 15 USCG 1692 et seq., and the Fair Credit Billing Act, 15 U.S.C. 1666.
Product: Debt collection

I have disputed this debt that I have no knowledge of. I have submitted a police report to let creditor know that my information was compromised. This collection office has not validated this debt which is a violation of the FCRA and my rights as a consumer. They continue to report this inaccurate information which has resulted in denial for credit.
Product: Debt collection

I canceled a homeowners and auto policy that was connected with automatic deductions from my pay role as of XXXXXXXXwith XXXX XXXX and began XXXX XXXX. They kept asking for payment and my insurance company sent notification XX/XX/2021. I resubmitted notification of cancelation on XX/XX/2021 by mail and again on XX/XX/2021. Finally they issued two separate checks for over payment. Then sent another bill. I ignored the bill thinking it was an error and oversite. They wanted me to pay for insurance and figured if I didn't pay it, the policy would simply be canceled. I was tired of going back and forth with them. As of today I received notification that XXXX XXXX company who took over XXXX XXXX submitted uncollected debt of {$94.00} to Credit Collection Services XXXX XXXX XXXX XXXX, MA XXXX
Product: Mortgage

I have a mortgage that was transferred to the The Money Source from XXXX XXXX. Account XXXX I started covid forbearance with XXXX XXXX and requested to come out of forbearance. XXXX XXXX transferred the loan at that time. I was mailed a payment plan. The payment plan was XXXX dollars more a month than my orginal payment. Due to the fact that the escrow did not reflect my VA XXXX. However, the money source couldn't correct this amount until after the 3 months of payments. I paid the 3 months and they finally realized the amount was an over payment. 

Currently I am making payments still on the first of every month and we haven't executed a plan. I came out of Covid forbearance with my first payment in XXXX. 

While a have been making my payments, I would constantly get harassments calls about payments not getting made from XXXX XXXX. 

The latest issue with TMS is the fact that I have reported to the Credit Bureau that I have not made payments for 60 days and now my credit rating is messed up. XXXX to a XXXX and dropping.
Product: Credit card or prepaid card

it started when Bank of America closed my account and kept my XXXX deposit of XXXX  XXXX then also sent me a letter XXXX times wich had XXXX claim numbers on it stating that these claims have been closed <denied or would not be paid and legally due boa and there scams and policy they are to be reopened so I received the letter XX/XX/2022 and the first time I called they stated all claims except XXXX has been paid the claim numbers are # XXXX XXXX {$2100.00} # XXXX {$410.00} # XXXX XXXX {$250.00} # XXXX XXXX {$630.00} # XXXX XXXX {$100.00} so the first time I called they said only XXXX has not been paid and will be paid to me, as my response is no none of them have been paid or resolved as the letter also states but every department states differently like there screen with info is different XXXX called every week since last phone call nothing will be paid or all claims denied this is crazy how they are doing this not filling state and federal laws or legal matters XXXX requested statements they will not send me any or fix these claims they addressed to fix is I need helping regulations XXXX this blows my mind
Product: Credit reporting, credit repair services, or other personal consumer reports

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Product: Credit card

They are saying my credit is bad I dont see how my credit is bad when I just turned XXXX on XX/XX/2024 2024
Product: Debt collection

I was affected by the global pandemic COVID-19. My insurance company contacted XXXX XXXX XXXX  in XXXX of 2020 because I was XXXX, and the hospital greatly inflated the charges, billing for services that I did not have and were not necessary. The Hospital agreed to write off the charges under the Cares FUND for COVID-19. The balance was to be written off. The company sent me a charity application XXXX XXXX, 2020. I completed the application and submitted it back to the company by mail 2 weeks later. XXXX XXXX XXXX did not process my charity application as previously agreed upon and forwarded my protected health information to a third party collection agency which is a HIPPA violation. I notified the company in writing the debt was not valid and advised them I did not give them authorization to sell my information to anyone. This correspondence was sent via certified mail. The hospital ignored my charity application and the letter sent to them by certified mail and forwarded my protected health information to a third party and they reported the balance to all 3 credit agencies and did not properly validate the debt pursuant with the Fair Credit Reporting Act I submitted a dispute with supporting documentation to XXXX, XXXX, and XXXX and they continue to allow this invalid debt to be reported
Product: Vehicle loan or lease

tricolor autogroup is not a professional auto loan company i bought a XXXX XXXX XXXX i gave XXXX for down payment and my payments where gon na be XXXX a month but then they said it was biweekly so in a month it came out to XXXX and to top it off they wouldnt take my payments so they can repo my car i have money to pay but they wouldnt take my money like if my money wasnt good enough they humiliated me to the fullest extent they took my car the first month no question asked i have XXXX boys to support and take them to school and to top it off XXXX of my sons is XXXX with XXXX XXXX and its sad enough i couldnt take them to school this company is unprofessional they have no professional ethics they take advantage of me cause of my credit score but its not fair for me to be in collections for 7 years or more because of their unprofessionalism and not going through with the contract i shouldnt be held responsible im struggling to buy another vehicle because i didnt get my deposit back from tricolor autogroup they didnt care i have my children who i provide for them i hope you take into consideration this complaint and should not be held liable for their unprofessionalism and im taking tricolor autogroup to civil court to sue them for my XXXX deposit i gave for the XXXX XXXX XXXX they took from me well thank you very much for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

i found these following hard inquiries that i did not approve of XXXX XXXX XXXX  XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX please make sure to look at the dates because I have a hard inquiry link with one of my recent credit card that i opened up and dont want you to delete it so it wont mess that account up.
Product: Consumer Loan

I had a car loan with Chrysler Capital for my XXXX that was involved in a total loss accident XX/XX/XXXX. I had full coverage and gap insurance that paid out on this vehicle to Chrysler capital. There was also a refund for disability insurance that was paid to Chrysler capital as well. I released my title to XXXX insurance company, as requested. Now, Chrysler capital is stating I owe them {$5600.00} due to late charges and payments that were added to the back end of the loan. I spoke with my gap insurance and they explained that they paid out based on the paperwork that they received from Chrysler capital and it sounds like to them Chrysler capital is trying to charge interest for the time of the contract which would have ended in XXXX, and that is not legal. Even if it was calculated for late payments or deferring payments, that would be no more than $ 2000.00.So I am asking for the amount that they say is still owed, to be investigated? I also have attached XXXX which is Gaps payment breakdown, based on what Chrysler Capital sent them.
Product: Checking or savings account

I have been trying to open a passbook saving account but cathay bank tells me different stories customer service rep in messages section said I can branch is tell me no and a representative from they headquarters said they only open for senior citizens I find to be aged discrimination because I'm trying to save better I'm trying to handle my finances better to buy a home in my future I really don't like statement saving I would like a pass book and I know I can be given it I was not given a opportunity to change to passbook
Product: Credit card or prepaid card

I bought some XXXX concert tickets via XXXX before the pandemic ( XX/XX/XXXX - priced {$100.00} ) on a Chase credit card. 

The show got postponed multiple times during/after the pandemic. 

I canceled the original card I booked on. 

Then the show got canceled ( XX/XX/XXXX ). 

So XXXX refunded the money which is now stuck with Chase. 

But according to them my account has been purged and the team that deals with that is only accessible by fax and letter, they respond to neither. 

So Chase has my money and don't seem particularly open to giving it back.