23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I was in XXXX which I have easily proven - it caused me to fall behind on my accounts. My credit card and ck-ing account were tapped out ; yet, I kept up my payments like clock work. When I mailed a postal money order to my local branch, they much later informed me that their post office box was robbed. Leaving me out $ XXXX, which would have made me in the positive with the ch-ing account and a credit card payment made. I went around in circles with them and the post office over the matter. The post office gave me a form that both me and the bank were supposed to sign in order for the post office to refund the money to me. They apparently refused to corroborate. I can not afford any more games or time in this matter. I will, at this time, submit proving I bought and payed for a money with the banks information placed in the right place and mailed to them in a timely fashion. I 'll also leave my contact information looking forward to hearing from someone soon. I have been a member of this bank before they bought out the other credit union they replaced. The bank is Navy Federal Credit Union located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX basic number is ( XXXX ) XXXX. The lady who did me dirty is called XXXX. I live at XXXX XXXX XXXX XXXX Ca. XXXX, and my phone number is XXXX XXXX XXXX XXXX. My e-mail is XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX, XXXX, and XXXX Credit Bureaus are reporting inaccurate information on SYNCBXXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Student loan

FedLoan Servicing refuses to accept payments on weekends. Why? On what legal authority to they rely in order to the limit the days on which borrowers may repay their loan. No other legitimate creditors employ this unlawful and usurious practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute with XXXX failed to remove an inaccurate 30 day late with BMW Financial Services. Instead, BMW updated the tradeline with an ADDITIONAL 30 day late across all 3 credit bureaus. I have disputed the tradeline again, with screenshots from my bank statements that show electronic payment dates - no payment was 30 days late.
Product: Mortgage

My issue is with Vanderbilt mortgage company every month that Ive fallen behind in the last 3 years they have harrassed degraded, and have told me what bills to not pay so they get there money. XX/XX/2018 I fell behind and told them I would pay on a certain date they asked for personal tax info to prove I would pay one time past 30 days due to three deaths. My husband took a pay cut at work that hurt our monthly income so this is why sometimes I pay a fee, they sometimes call me 3 times a day even if I give a date that Impaying Ive had to block them, because they have caused me a lot of anxiety. I sometimes pay a late fee, but this was the first time I was past 30 days Ive never had a company be so harassing in two days they sent someone to take a picture of my home and a certified letter the day after even with a promise to pay date in place. They make it really hard to talk to them in tough situations. They also offer no help in tough times and make you feel like a scum bag for not having there money. One person even said get another job. They have caused me a huge amount of stress and thought someone should be aware of how they treat people.
Product: Payday loan, title loan, or personal loan

I have no knowledge of this account. I have tried to contact easy money on several occasions.They are charging me for total of {$300.00} that I did not personal receive nor take out with them.
Product: Debt collection

Spring Oaks Capital LLC sent me a bunch of pages, there are like 10 copies of account statements, a bill of sale and some other things but they never provided me with the original creditors signed contract. I need this company to either give me the original contract with my signature on it or for them to stop harassing me about this debt, as a human being I have the right to dispute this debt and this account contains so much information that I am not or have I ever been affiliated with. The phone number that is on one of the pages that they sent me is not mine or have I ever had any of this phone number, the address on the account statements and on the other pages isnt mine either, I have never lived at that address that they have on their files, please help me resolve this issue because I have disputed this debt before and spring oaks Capital LLC claims that this debt is mine. My last option will be to take them to court so that the court can ask them to provide me the original signed contract. I also noticed that this debt collection company has sold this debt so many times. Till this day, I have not received the signed original contract for this account. This debt collection company never send me anything telling me that they are allowed to collect this debt on my state.
Product: Bank account or service

Why are banks allowed to process debits from largest amount to smallest, thus collecting more in overdraft fees? My bank Chase XXXX uses this practice to collect added insufficient fees!
Product: Credit reporting or other personal consumer reports

the account is accurate, without providing any evidence of a thorough investigation, This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. $ 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C $ {$5500.00} ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Mortgage

Over the 10 years I have had my Bank of America mortgage loan, they have put me through XXXX and back. I have to call 3 times to get 3 different reps to get answers, which results in different answers. Bank of America pushed HOME MODIFICATION process on me since I was having issues with my mortgage due to unforseen medical and being the sole source of income. As I found online for so many other mortgage holders with BOA, BOA told me the paperwork I filled out was either misplaced or not filled out properly. They have been sued over this quite a bit by others. Thousands of homeowners fall prey to this. 

I was told in order to proceed I would need to skip 2 months of mortgage payments, to show I was on hard times. That really scared me. I did miss the 2 months and was told they would be put at the end of my 30 year loan. During the recent incident someone else told me the bank never puts missed payments on the end of any loan! 

I was falling on hard times and reached a point it was hard to afford my mortgage. I was told to skip 2 months payments and that they would be put at the end of my loan. That was about 2 years ago. I have been behind by 2 months only and not late and have made every payment on time for 10 years. 

I received a letter in XX/XX/2019 saying my mortgage was going {$80.00} lower due to PMI finally falling off the account. I have been fighting the PMI issue for at least 3 years. The letter stated it would start XX/XX/2019. I called and a rep verified it would start XX/XX/2019, although the letter stated XX/XX/XXXX. I sent my mortgage payment for {$80.00} lower for my XX/XX/XXXX payment per the rep I spoke to. 

I called to make a payment for the {$80.00} difference 2 days later when I found out ( my  account was negative by {$6000.00}! ) BOA didn't charge me for {$80.00}, they charged me {$5600.00}! I never authorized this and the rep never mentioned it! This is illegal activity. My bank stopped payment and now it's past the grace period so I was late. I am now late with XX/XX/XXXX payment due to this fiasco from BOA. My bank stopped payment and reversed the problem BOA caused. The {$80.00} was not charged so I had to call BOA again, talk to a couple reps, and FINALLY they said it was charged, which took another couple of business days. 

Because I'm late, due to their clerical error, they said there is a letter generated with intent to foreclose that is being sent out. I need to come up with 2 months mortgage to bring it current by XX/XX/2019! I am given one month to come up with {$5000.00} plus fees plus taxes, which makes no sense since I have escrow through them. By law they can't generate a letter until 4 months missed payments occur. I also get more than a month to get the funds. I don't have the funds. I am looking into suing BOA. This is ridiculous and not my fault! 
thanks!
Product: Checking or savings account

My accounts were restricted because of security risk, while they withhold my money and not send my money when I need it for rent. They said will they continue to investigate my disputes theyll withhold my money for up to 3 months while I have thousands of dollars in there.
Product: Credit reporting, credit repair services, or other personal consumer reports

Well this is going to be in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

I say this because...

15 U.S.C 1681 section 602 A. States I have the right to privacy.

Also...

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

On XX/XX/XXXX I sent in a letter to Trans Union notifying them of inaccuracies on my credit report. after waiting 30 days I still haven't got a response so I sent them another letter to comply still no answer yet.
Product: Credit card

I am unable to log in to the Discover website : XXXX. I attempt to reset my password ; but, it tells me that XXXX of my security information questions is incorrect ; which it is not ( the model of my first car ). The website is the one that is wrong. I was being told, it was information pulled from public records. Then, the public records are wrong. I know very well what my first car was. The site will not let me sign in with another e-mail address. This needs fixed and yesterday!
Product: Credit reporting or other personal consumer reports

1.1 I am the undersigned, residing at XXXX XXXX XXXX XXXX, and I am over the age of XXXX. 
1.2 I am the person whose credit report is in dispute with XXXX, Experian and XXXX, regarding the reporting of a charge-off account with XXXX XXXX XXXX XXXX XXXX 

2. Purpose of this Affidavit 2.1 This affidavit is submitted to formally dispute the inaccurate, unverifiable, and inconsistent reporting of the aforementioned account. 
XXXX I assert that XXXX, one of the four major credit reporting agencies, has removed this account from my credit report as of XX/XX/XXXX, deeming it unverifiable following a thorough investigation. 

XXXX. Statement of Facts XXXX The account in question is identified as XXXX XXXX XXXX XXXX with an alleged charge-off amount of {$10000.00}. 
XXXX XXXX removed this account from my credit report after determining it was unverifiable during a dispute investigation. 
3.3 The Fair Credit Reporting Act ( FCRA ), under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ), requires all consumer reporting agencies to ensure the accuracy and verifiability of the information they report. 
3.4 Continuing to report this account as a charge-off when another major bureau has removed it due to lack of verification violates the principles of accurate and fair reporting. 
XXXX XXXX and XXXX have failed to provide me with sufficient documentation to verify this account despite my previous dispute submitted on XX/XX/XXXX, as required under 15 U.S.C. 1681g. 

4. Legal Basis for Removal 4.1 Under 15 U.S.C. 1681i ( a ) ( 5 ), unverifiable information must be deleted from a consumers credit file. 
XXXX XXXX removal of this account due to lack of verification demonstrates that the information reported by XXXX and XXXX is inconsistent and unverifiable. 
4.3 The continued reporting of this account violates the Fair Credit Reporting Act ( FCRA ) and potentially state consumer protection laws, including the Georgia Fair Business Practices Act ( O.C.G.A. 10-1-390 ). 
XXXX According to XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), credit reporting agencies have a duty to conduct reasonable investigations and ensure accuracy in consumer reports. 

XXXX. Demand for Removal 5.1 Based on the above facts, I demand that XXXX and XXXX immediately remove the XXXX XXXX XXXX XXXX account from my credit report. 
XXXX I further demand that XXXX, Experian, and XXXX provide written confirmation of the removal and an updated credit report reflecting this change within 15 days of receipt of this affidavit. 

XXXX. Declaration 6.1 I declare under penalty of perjury under the laws of the United States of America and the state of Georgia that the foregoing is true and correct to the best of my knowledge and belief. 

Executed this XXXX day of XXXX, XXXX. 

XXXX XXXX XXXX and subscribed before me this XXXX day of XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting an account on my credit from a collection agency. 

Equifax is reporting that this account was opened XX/XX/2021. 

The amount of the reported account is {$1200.00}. 

The company that reported this account to Equifax is XXXX XXXX XXXX , XXXX.
Product: Credit reporting or other personal consumer reports

I have complained about my credit report to Experian I reported an issue about the credit cards XXXX  XXXX and credit on like 2 months ago and Experian deleted them and they came back on my credit report and world finance all thats still on my credit reports after they verified they took them off but the magically appeared again and I see on here where I complained about this
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! Account : XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I entered into a period of financial hardship in XX/XX/2023 and fell behind on my car payment. Santander Consumer Finance USA was made aware of my situation and after the account became 60 days past due, issued a letter to cure. I was about {$600.00} short from the amount due and the lender continued to communicate with me. I made payments : {$500.00} on XX/XX/XXXX, {$160.00} on XX/XX/XXXX and another {$160.00} on XX/XX/XXXX. The lender has not offered to lower payments, defer payments or any other form of financial hardship assistance. However, the lender does continue to ask pricing questions about when the account will be caught up despite their knowledge that I am going through a financial hardship despite the consistent reminders. Santander lacks economic sympathy for consumers like me and their inability to provide solutions create heightened stress, XXXX and unnecessary suffering.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my XXXX, XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX  - XX/XX/2024 XXXX. XXXX - XX/XX/2024 XXXX
Product: Debt collection

Today I went to court for a Forclosure that they trying to do to a property I dont own any more court case # XXXX the debt was canceled by Wells Fargo Bank seems XXXX which I even reported to my taxes in the same year, the judge XXXX XXXX close this case with prejudice seems XXXX and I transfer this property same year and now this company is trying to Forclosure company name XXXX XXXX, XXXX locate in XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX phone # ( XXXX ) XXXX Ext XXXX I spoke today with Mr. XXXX XXXX dispute the debt and he send a lot of paper I dont recognize after contact also company name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX phone # XXXX and I spoke few weeks ago with Mr. XXXX XXXX please help me with this injustice matter sincerely XXXX.
Product: Credit card or prepaid card

On XX/XX/2019 I applied online for a PNC credit card with a 0 percentage interest on balance transfers. I was approved and put in the balance transfer information for 2 other credit cards I have. I kept checking these accounts to see when the transfers went through. After a few weeks I called PNC and was told that it takes 23 business days to go through. I kept checking each day and it still didn't go through. By the way they charged me a fee of {$58.00} on my card. I called them again on XX/XX/XXXX and was told that it wouldn't go through until the XXXX. On the XXXX it still didn't go through. I called PNC again on XX/XX/XXXX and was told it was sent but they don't have any control over when the credit card company it was sent to received it or when they post it. There were 2 companies that were supposed to be sent this balance transfer so what are the odds that neither of them received the money? I was told to wait until Friday and to call PNC back if it still didn't go through and if it didn't that I could stop the transfers and use the 2 checks  sent to me with my card to get the money by signing them out in my name. So on Sunday XX/XX/XXXX I checked and the transfers still hadn't gone through and I called PNC again. I told her that the balance transfers still hadn't gone through and asked about stopping the payments and using the checks I had to get the money that way. I was told she could stop the payments and reissue them to the 2 other credit card companies again. That would put me in the same spot I was in. I told her to stop the transfers to the credit card  companies and I would use the checks made out to me and pay the balances myself. I was then told it takes about 3 days for the money to be available for me to write the checks to myself and another 10 days for the checks to clear. So now if everything goes right I should have the money by XX/XX/XXXX if she meant just 10 days or if when I call back they tell me that it's 10 business days. Which would bring it to XX/XX/XXXX I think. Oh and also there is a {$35.00} charge for each balance transfer cancellation which she said I should call them and see if I could get that back since I have never received the money. At this rate I will have a payment due before I have even received the money. I can't help but think this is a scam. How can I be expected to make payments on money I haven't received? Also it takes 2 months off the 0 percent interest for one year.
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, 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.

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 information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I applied for XXXX XXXX XXXX XXXX and was accepted. Two weeks later, however, I was restricted access due to a credit issue with Bank of America. I spoke and tried to fix the issue with Bank of America, and even made sure my closed accounts were paid, but they failed to change the status. Instead, they left the status to " account fraud '', as it's automatic in the system that they automatically close an account if there is suspected identity theft. I had not been with Bank of America for quite some time already ; more than two years already, and I still have this marking. 

Numerous times I have tried to speak with XXXX XXXX XXXX to fix this issue. I even went back to Bank of America, but they told me to dispute with XXXX XXXX XXXX. The response I kept getting from XXXX XXXX XXXX was that they found the information to be accurate, which was not the case. -- There was no identity theft and this is forcing XXXX XXXX XXXX XXXX to deny me access. 

I would like to escalate this further, and kept getting delayed because of millitary orders and my independent contracting position to help keep myself and family financially prosperous in COVID-19. 

Consumer ID : XXXX Contribution Ref # : XXXX Principal Loss : Fee Reversal : Combined Loss & Fee Reversal : Paid/UnPaid/Settled : Unpaid Contribution Reason : Checking Account Fraud Contributor : BANK OF AMERICA Bank XXXX XXXX XXXX XXXX Account # : XXXX Account Type : Primary signer Attached is my security appeal for the restriction hold fo my XXXX federal account number XXXX XXXX Other parties involved -- - XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently closed on a mortgage and received a copy of my credit report. There is an unauthorized inquiry listed on XX/XX/2021 from XXXX that I did not pursue. Please remove inquiry.