23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX or so, Countrywide was our mortgage provider. We started to experience financial trouble due to XXXX medical issues. We had trouble paying the mortgage ; eventually, in XXXX or so, we got a re-modification from Countrywide, lowering our monthly payment to under {$1700.00}. We still had other overwhelming bills, and in XXXX, we filed for Chapter XXXX. Shortly thereafter, our mortgage was transferred to Bank of America [ BoA ]. BoA then raised our mortgage, despite a signed re-mod with Countrywide ; the monthly payments fluctuated fro {$2300.00} to over {$2600.00} with no explanation. BoA did receive monthly payments from the Chapter XXXX Trustee. From XXXX to XXXX, we constantly reached out to BoA for assistance, but they ignored us. They tried to get the bankruptcy thrown out, but they withdrew their petition when our lawyer contacted their lawyers in XXXX as to BoA documenting their charges. Then in late XXXX, when we finished making monthly payments to the CXXXX Trustee, BoA sent us a bill stating we owed $ XXXX. We contacted our CXXXX lawyer, who contacted both BoA and their local lawyers. Within a few months, BoA claimed we owed $ XXXX. BoA refused to respond to our lawyer 's queries ; in addition, our lawyer told us that the local lawyers retained by BoA told him that they could n't get an answer from BoA in regard to fully documenting what we supposedly owed them. Within a couple more months, BoA then stated we owed $ XXXX. They then sold the mortgage to XXXX XXXX XXXX XXXX ; not only did they sell off the mortgage but they also sold off the " penalties. '' We got a bill from XXXX in summer XXXX demanding immediate payment of $ XXXX. 
We did work out a new payment plan with XXXX. Currently, we 're paying {$3200.00}, after paying {$3300.00} for five months. We are still responsible for the fees and penalties which BoA charged us. We argue that those fees and penalties are usury. 
We also believe that because we were in bankruptcy, BoA was never going to recoup the losses they assumed from Countrywide. As such, BoA allegedly ignored the Countrywide re-modification and charged a higher amount which we could never meet because we were on a strict budget with the CXXXX. But not only that, they charged unjustifiable fees and penalties, as evident by their refusal to account for all the charges. And to avoid any responsibility or ramifications for unfair/unreasonable charges, they sold off the mortgage and the " penalties '' to XXXX. Therefore, we would no longer be in a position to challenge BoA any more because they are no longer the mortgage server. Instead, XXXX services the loan, and they purchased what they could argue is a legitimate debt.
Product: Credit reporting or other personal consumer reports

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  All of the above references are fraudulent inquiries. 

Section 605B of the fair credit reporting act requires consumer reporting agencies to block fraudulent information on the consumers credit report if consumer claim it was a result of identity theft create a report of agencies must block information within four days of receiving this information Failure to respond with deletion of the above reference accounts and send out a free copy of my credit report will result in legal action being taken against your company for which I will be seeking 1000 per violation for : Definition of character Neglect enablement of identity fraud Section1681EB of the fair credit reporting act Section 605B of the fair credit reporting act
Product: Credit reporting or other personal consumer reports

USAA is constantly defaming and slandering my name! They are very XXXX and this matter should be addressed immediately. A representative from USAA filed a complaint stating that I am exploiting my father because I have POA over his account.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME Resident typeXXXXXXXX XXXXXXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Resident typeXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Resident typeXXXX XXXXXXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident typeXXXX XXXX  XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX typeXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX Resident typeXXXX XXXX THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX I ( Original Creditor : 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 *** and ( Original XXXX : ) XXXX have 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.
Product: Credit reporting or other personal consumer reports

This inquiry was made by the creditor without my consent, and it must be promptly removed.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I intended to transfer {$110.00} to an acquaintance via XXXX. However, she provided a wrong phone number by mistake ( the last 2 digits of the phone number were swapped by mistake ). Thus, a transaction was made based on the erroneous information provided by the intended recipient. After a few minutes, we discovered the mistake. Thus, I made a second transaction with the same amount to the correct number and reported the first transaction to Ally as erroneous on the same day. Ally closed the dispute without reversing the transaction. 

On XX/XX/year>, I called Ally Support again to dispute the transaction. In my phone call, I explained to them the transaction was made based on the erroneous information provided by the intended recipient. I did not intend the transaction to that recipient. The dispute details are as follows : Dispute Number : XXXX Account Number : XXXX Transaction Date : XX/XX/year> Transaction Amount : {$110.00} Recipient : XXXX payment XXXX XXXX XXXX XXXX Ally Spending Account XXXX ) to XXXX XXXX. 

On XX/XX/year>, Ally sent a letter to inform me that the dispute was closed and the transaction will remain posted to my account. I disagree with this decision. 

Ally stated that I have the right to request a copy of the information they used in making their decision. I sent a letter to request a copy of the information. As of XX/XX/year>, I have not received the requested information.
Product: Debt collection

At XXXX I received a call from a woman at Simon 's Agency Inc. based in XXXX, NY. She did not provide her name and said that the debt they were attempting to collect was for a doctor 's bill. When I pressed her for information on who was claiming the debt, she would not give it to me. I asked for a copy of the bill and she said she was not allowed to provide it. I asked her for contact information for the person claiming the debt and she would not provide it. When I got upset and questioned the legitimacy of her claim, she told me that if I did not change my attitude she would report it to the credit rating agencies. I called the hospital and XXXX billing services that the hospital recommended -- all said my bills were paid. I called back to Simon 's Agency and the gentlemen who answered the call, who also did not identify himself, said he could not provide any other information to me and said I should call my insurance company. He said that they would know who the debt was owed to. When I explained that I had a right to know who was claiming the debt, he said " seems like you are afraid to call your insurance company. ''
Product: Credit card

CapitalOne charged me {$35.00} Late fee for making a payment that was {$2.00} short. 
They are being very insensitive and for almost a year they have refuse to issue or allow me to select a PIN to use at the ATM Branch to make Payments to my account after Banking hours at XXXX! All credit card companies issue or allow their customers to choose a PIN to have access to ATM 's in order to process payments. This selective method of payment is a Violation!
Product: Credit reporting, credit repair services, or other personal consumer reports

My situation involves the Equifax data breach. I entered my information to see if I was affected by the breach 2 days ago on the XX/XX/XXXX and it said I was not. However, I entered my information again today and it told me I was and to sign up for free credit monitoring. The terms and conditions of signing up requires for me to waive my rights to sue. I believe that the results are random due to the 2 answers I received and that the reporting company used my report improperly.
Product: Debt collection

In a recent review of my credit report, it has some to my attention I have a derogatory debt on my credit report and I do not know what this is about.
Product: Debt collection

I received an email from XXXX saying they purchased a debt from capital one for {$1700.00}. I have no idea if this is a real company. I dont have this high of a credit limit on my card and my current balance is only {$17.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

accounts should be deleted per the company 's request. both XXXX XXXX XXXX  and XXXX accounts listed on my equifax report were requested by the company to be deleted. I have the proof from each of the companies. equifax has not deleted the accounts as of yet. See the attached forms below.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year>, XXXX, XXXX approved a loan for my cruise. Then on the XX/XX/year> XXXX when I went to actual utilize the approval I was denied. I can not speak with anyone about the decline. Nothing has changed on my credit.
Product: Mortgage

To whom it May concern, My delay in payment started after hurricane Harvey where I was out of work for a week and then when work started back we were not at full production at the plant where I was working at which I was under payed for 2 weeks. At that time I spoke to XXXX XXXX about Hurricane Harvey Relief in XX/XX/2018 in which I started my forbearance The Bank of America ( BOA ) rep called me each month where she stated that the calls were recorded and informed that my loan was a VA loan and the payments would go on the back end of the loan. Then in XXXX it was extended for another 90 days in which I would start my first payment XX/XX/2018 which I was paying until XXXX XXXX payment for XX/XX/2018 was denied because my account was in foreclosure status. At this last conversation in XX/XX/2018 XXXX XXXX stated that the terms changed and I will have to pay for the past 6 months in full. I was then confused because that was not we talked about .The forbearance payment should have gone on the back end of the loan when the loan matures at the final payment. During the forbearance the letters that I got in the mail XXXX told me to disregard because my payments would go to the back of the loan.When I tried to make last payment in XX/XX/2018 I was told that I could not make my payment and my account is in foreclosure.I XXXX and XXXX XXXX never got a certified letter from Bank of America.I just received the documents that I requested back in XX/XX/2018 after I talked to XXXX XXXX in XX/XX/2018. If these calls were recorded please listen to each and assist in this important matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX Balance Owed : {$63000.00} ; XXXX XXXX Balance Owed : {$9000.00} ; XXXX XXXX XXXX Owed : {$2900.00}.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and dissatisfaction regarding the handling of fraudulent items on my account with Credit Bureaus. Despite reporting these unauthorized transactions promptly, I am dismayed by the prolonged delay in their removal, causing undue stress and inconvenience. 

I discovered fraudulent transactions on my account statement, which were not authorized by me. Immediately upon discovery, I notified your company 's customer service department and filed a report detailing these fraudulent activities. However, I am disappointed by the lack of urgency and efficiency in resolving this matter. 

As a loyal customer, I expect timely action to rectify such issues and protect my financial interests. The continued presence of these fraudulent items not only undermines my trust in your company but also poses a significant risk to my financial security. 

I urge you to prioritize the immediate removal of these fraudulent transactions from my account and take proactive measures to prevent similar occurrences in the future. Additionally, I request transparent communication throughout the resolution process to ensure clarity and accountability. 

Failure to address this matter promptly will compel me to explore alternative avenues to protect my rights as a consumer, including but not limited to seeking assistance from regulatory authorities and legal counsel. I am asking for your assisstance to remove these fraud items in my credit file : 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: Credit reporting, credit repair services, or other personal consumer reports

Subject : Dispute of Inaccurate Information - Urgent Removal Request Dear TransUnion Consumer Relations, I am writing to dispute a derogatory delinquent account that was reported by XXXX XXXX on XX/XX/2023, which inaccurately states that I owe {$10000.00}. This erroneous information has significantly harmed my credit score and financial well-being. 
Despite my efforts to rectify this matter, XXXX XXXX has failed to correct the inaccuracies. I provided evidence of double payments made, but they continued reporting late payments. Even after a year has passed, the incorrect information remains on my credit report, negatively impacting my financial standing. I lodged a complaint against XXXX XXXX with the CFPB ( Complaint ID : XXXX ). 
I hereby request the immediate and permanent removal of this account from my credit report, as XXXX XXXX XXXXs actions violate my rights under the Fair Credit Reporting Act ( FCRA ). The FCRA mandates accurate credit reporting, and XXXX XXXX XXXX persistent refusal to rectify this matter is a direct violation of the law. 
As an affected consumer, I am entitled to seek compensation for actual damages, punitive damages, attorney 's fees, and penalties associated with FCRA violations. I urge TransUnion to take swift action in accordance with the FCRA and remove this erroneous item from my credit report. 
Please consider the urgency of this matter, given the impact it has on my financial situation. I eagerly await your prompt response and resolution to this dispute. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill is legal obligation under the Fair credit reporting act ( FCRA ) TO CONDUCT A REASONABLE REINVESTIGATION OF THE DISPUTED INFORMATION ON MY CREDIT REPORT. LEAVING INACCURATE OR UNVERIFIABLE ACCOUNTS UNRESOLVED. THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) HAS RECENTLY FILED A LAWSUIT AGAINST EXPERIENCE, ALLEGING SYSTEMATIC ISSUES SUCH AS FAILING TO FORWARD CONSUMER PROVIDED EVIDENCE TO FURNISHERS, ACCEPTING UNRELIABLE RESPONSES, AND FAILING TO ADEQUATELY NOTIFY CONSUMERS OF DISPUTE OUTCOMES. THESE FAILURES ALIGN WITH MY EXPERIENCE, WHERE EXPERIENCE HAS NEITHER CORRECTED NOR REMOVED DISPUTED ITEMS DESPITE THE EVIDENCE I PROVIDED, CAUSING ONGOING HARM TO MY CREDIT STANDING. I AM REQUESTING IMMEDIATE CORRECTIVE ACTION TO REMOVE OR AMEND THE DISPUTED ACCOUNTS, AS EXPERIENCE IN ACTION VIOLATES FEDERAL LAW AND MY RIGHTS AS A CONSUMER.
Product: Credit card or prepaid card

On XX/XX/XXXX I called Capital One with questions about the two interest rates shown on my bill for the last couple of months. In typical Capital One customer service fashion, nobody I spoke with could answer the questions I had about the extra interest rate charged labeled " Interest Charge : XXXX XXXX. '' On or around XX/XX/XXXX, I did take a {$1900.00} XXXX XXXX after a financial emergency -- my paycheck had yet to reach my checking account and the rent was due. On or around XX/XX/XXXX, my account showed a " XXXX XXXX fee '' of {$57.00} On or around XX/XX/XXXX, there was another " XXXX XXXX Fee '' of {$22.00}. Again, on or around XXXX a " XXXX XXXX Fee " of {$48.00}. The latest " XXXX XXXX  Fee '' is on or around XX/XX/XXXX for {$49.00} This is outrageous and simply screws customers over after a financial emergency. I have made more than enough payments to reduce significantly reduce the " XXXX XXXX XXXX '' if not wipe it out completely. Again, I have tried twice to get answers from Capital One customer service to no avail. The last was on XXXX XXXX, when I spoke with a supervisor named a XXXX XXXX correct spelling, I asked him to spell it ) who basically said he can not give me an answer to my question. He tried, but could not answer follow up questions I had. 
I always pay well beyond the minimum payment each month. Since XX/XX/XXXX, I have made the following payments : XXXX XXXX, {$60.00}. 
XXXX XXXX, {$200.00}. 
XXXX XXXX, {$140.00}. 
XXXX XXXX, {$1500.00} ( two payments combined ) XXXX XXXX {$210.00} When I spoke to XXXX he said I haven't even paid off the interest on the transaction. 

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

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted on four separate occasions to correct this problem via the credit bureaus. It appears that XXXX XXXX is not will to correct the issue. Per their own correspondence to me, they stated they would report the account as " Settled in Full for less than Owed. '' They are however reporting this as a foreclosure and it cost me finances on XX/XX/2018.
Product: Credit card or prepaid card

XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX credit card but currently charging me XXXX XXXX  plus for interest calls me daily after explaining I'll make XXXX of the month payments in the highest amount I can currently afford and to discontinue calling but they continue calling me irrigate and from random numbers.