23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I was double charged for my monthly car payment. I've been trying to get my money back since XXXX XXXX it is now XXXX XXXX and they still haven't returned it. I've talked to two different managers and also the case worker. They keep telling me it should be there today or tomorrow. They've been telling me this for almost a week. Now I go to my account and they didn't even process the reversal until the XXXX. My problem is ( besides them not returning my money ) that they keep lying to me every time I call. Each person I've talked to has told me a completely different story. When I question them on it they won't even answer my question, they just apologize and assure me it'll be back in my account today or tomorrow. And now my case worker won't even respond to my phone calls.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Reporting act 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

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g
Product: Debt collection

I was working on my son and his friends bike and I was approached in my garage by an aggressive man who was very rude in front of the kids. I had no idea what this was about, until he forced me to look at a paper. I asked him to leave and he was very rude and hostile. Apparently it was from a furniture store that my ex has all of the furniture from. I was XXXX on and was left with nothing but apparently the bills without being told.
Product: Credit reporting or other personal consumer reports

There is an unauthorized account from XXXX XXXX XXXX and XXXX XXXX XXXX Ive never had service with either of these companies and on XX/XX/2023 they reported a collection account in my credit report. This account does not belong to me and is unauthorized. There are also unauthorized inquiries from XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting a personal loan I paid in full that it is close and drop a lot of point on my credit report. My understanding about paying a full amount in a loan it will increase your credit score but unfortunately my credit score went down 62 points. It was a credit union account, paid in full XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my CAP ONE AUTO XXXX XXXXXXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Mortgage

I applied for a home mortgage and was denied based on prior short sales on my credit report. It is my understanding that " VA does not recognize a short sale as a derogatory event. If you are able to credit qualify for a VA loan, a short sale would not prevent you from being eligible for VA financing. '' I called the bank before applying and was told that it would not be held against me and that I should apply. I had multiple investment properties that I had to short sell in previous years but the most recent was my primary residence that I had to short sell last year.
Product: Credit reporting or other personal consumer reports

In accordance of the reporting act - ( XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Ed Financial and XXXX XXXX XXXX XXXX have violated my rights. 


The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( 15 U.S. 

Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency. 

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

THE PRIVACY ACT OF 1974. ( 15 USC 1611 ) Criminal liability for willfully and knowing violations. ( 15 USC 1681 ) Accuracy and Fairness of Credit reporting. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY.
Product: Debt collection

I tried disputing debt multiple times this is not my debt I was not even a resident of the state when asked where it took place. They keep saying its verified but its not verified if I stayed in a different state. How do I accumulate a bill when I was in a different state with health insurance? Opened XXXX XXXX. XXXX is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX & XXXX XXXX {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Item # 2 : I dispute XXXX XXXX XXXX XXXX Balance {$170.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report.

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information.

Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items.

Thank you for your prompt attention in this matter. 

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

I HAVE TRIED TIME AND TIME AGAIN TO REMOVE FRADULENT ACCOUNTS FROM MY CREDIT REPORT TO NO AVAIL. I HAVE SENT WRITTEN REQUESTS, CALLED OVER THE PHONE, FILED POLICE REPORTS AND NOTHING. I HAVE MORE THAN A YEAR TRYING TO GET THIS FIXED. IT IS HIGHLY AFFECTING MY RIGHTS TO LIVE A GOOD LIFE. 

XXXX XXXXXXXX XXXX DELAWARE XXXX XXXX BANK DELAWARE XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received My Credit Report on XX/XX/2023 and noticed there were hard inquiries that dont have permissible purpose to be on there. These Hard inquiries are hurting me from getting approved.I already reached out to the credit bureaus about the multiple times they keep violating my rights under 15 USC 1681b. I have also Attached the hard inquiries that do not have permissible purpose to be on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I Dont recongnize this account From XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive noticed that there is a bankruptcy on my credit file for which I need to dispute. Ive disputed with XXXX and they have removed the Bankruptcy right away as it remained on my credit illegally for years. 

Please see to it that XXXX and Experian do the same too. Ive contacted the clerk of courts and they never verified items on credit files so Im baffled as to how a public record such as the BK is on my credit report!! 

I know for certain that the bureaus are in violation of the FCRA, Comprehensive Credit Act of 2020 sec 401 and other laws. At this point, Im entitled to compensation!! {$1000.00} per item! 

XXXX needs to remove the Bankruptcy. 

Experian also needs to remove the Bankruptcy. 

No negative items such as inquiries, late payments etc. should even be listed especially if none of its true for which none of the information can Be verified ln my credit file! Again none of this untrue info has been legally verified to be true. 

If this isnt resolved soon, Ill be litigating soon!!
Product: Credit card or prepaid card

Bank of America sent a letter dated XX/XX/2022 notifying me of suspicious activity and temporarily suspended my account with a cycle date from XXXX XXXX XXXX. Enclosed also was a statement with all the fraudulent account information in the amount of {$14000.00}. I called Bank of America and they said to call the local Sheriff and file a police report, but the Sheriff Office said I need a case number or documentation from Bank of America saying they suspended the account and I am in the process of getting that information. As of right now the account is temporarily suspended. 
I have not applied for any type of credit for any reason, and I would like to get this taken care of as soon as possible and have this fraudulent account removed from all three of my credit reports.
Product: Mortgage

XX/XX/XXXX On XX/XX/XXXX, I purchased my home and took out a mortgage with XXXX XXXX XXXX XXXX for {$250000.00}. XXXX XX/XX/XXXX was eventually taken over by Lakeview, XXXX XXXX. My original mortgage rate was 3.25 %. The mortgage was an ARM which recalculates after ten years based on the LIBOR rate as posted in the XXXX XXXX XXXX. On XX/XX/XXXX, the rate adjusted to 6.25 %. On XX/XX/XXXX, I received a letter from XXXX XXXX that my loan adjustment will now be based on the one-year SOFR rate. XXXX XXXX states that my new loan interest rate will be 8.25 %. This is calculated by adding my margin of 2.25 % to the XXXX rate of XXXX which was the rate on XX/XX/XXXX. XXXX XXXX used a SOFR rate posted by XXXX, not the rate posted by the XXXX XXXX XXXX or the Federal Reserve. The SOFR rate posted by the XXXX XXXX XXXX was 5.33 %. The SOFR rate posted by the Federal Reserve was XXXX. Using either the rate of the XXXX XXXX XXXX or the Federal Reserve, my new calculated rate should be 7.5 %. I requested a rate adjustment, but XXXX XXXX refused. 
I am attaching : 1. My original loan document. 
2. SOFR rate published by the XXXX XXXX XXXX 3. SOFR rate published by the Federal Reserve XXXX, there is a huge disparity between the rates of the XXXX XXXX XXXX, the Federal Reserve and XXXX. The SOFR rate of the XXXX XXXX XXXX should be used in calculating my mortgage percentage. 

Thank you for your consideration. 


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

The accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. I went through a Loan rehabilitation program with the US DEPARTMENT OF EDUCATION and the loan is now in good standings as of XX/XX/2019. This is in violation under section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 623 of the FCRA - you are required to .... promptly DELETE all information which can not be verified or reported inaccurately '' The law is noticeably clear as to the Civil liability and the remedy available to me for me " negligent noncompliance '' ( Section XXXX ) if you fail to comply. I am a litigation Consumer in the matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : Accounts be verified or deleted immediately : DEPT OF EDU/XXXX  # XXXX US DEPARTMENT OF EDU # XXXX US DEPARTMENT OF EDU # XXXX This is my only phone number XXXX Any other numbers are not inaccurate
Product: Mortgage

At the very last minute, after business hours on the last day it would be possible for me to obtain a mortgage and close on the purchase of a home on time, and several weeks after the Bank of America had all the information they initially said they needed to assess my loan qualifications ( about XXXX pages of tax returns and other income information they required ), and also at least a week after the day they said they would commit to the loan, the bank pulled a " bait and switch. '' They told me I could get the loan only if I agreed to a higher interest rate than the agreed-upon rate. This rate they insisted on was 1.25 percentage points higher ( 4.75 % ) than their advertised rate of 3.5 % on that date even though I was putting down, and I put 25 percent of the purchase down. Since I would lose my {$5000.00} deposit AND the house I contracted to purchase if I did n't close on time, the bank knew I had no choice but to agree to the higher interest rate. 

I believe this may be a common practice of the Bank of America, one used to force mortgagors to accept substantially higher interest rates than those they advertise and contractually agree to. It is certainly a clever way to get around their obligation to meet their commitments and to force innocent loan-seekers into paying above-market interest rates. 

They also tried to force me -- though they eventually relented on this -- to garnish my bank checking account for a year-and-a-half 's worth of advance payments on property tax and homeowner 's insurance even though I had a long track record of paying my own taxes and insurance on other properties I own. This of course would take from me the use of my money over a substantial period of time and transfer the use of that money to the Bank of America. 

I am a senior citizen and a Bank of America " preferred customer. '' I keep about XXXX in my Bank of America checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXXXXXX 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 Balance : {$330.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$210.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$120.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$5600.00} ; XXXX XXXX XXXX  XXXX Balance : {$760.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/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

Delete this collection from my XXXX and XXXX credit file. The collection is already deleted from my XXXX credit file due to lack of evidence and validation within the legal time frame of 30 days.
Product: Mortgage

Please see below for copy of letter that I will be sending to PHH mortgage the current servicer of my loan. I have contacted Ocwen the prior servicer and PHH once before. 

" This is the third letter sent regarding Trustee/Title fees in the amount of {$820.00} that were added to my mortgage amount AFTER my loan was modified. The modification documents were drafted and sent to me and bear my signature with a date of XX/XX/2018 with the first modified payment due on XX/XX/18. I spoke to Ocwen Loan Servicing customer service department when these fees were first added and explained to them that it is a lending violation to add fees related to the modification after the modification has been completed and signed by both the borrower and the mortgage servicing company. After this discussion, those fees were removed from my statement but appeared again on Ocwen Loan Servicing statements and now the fees are showing on the statements from you. The fees should have been a write off for the servicer as non-recoverable. Please review the modification agreement that was executed by both Ocwen and I and you will see that the fees were not part of the modification agreement and should be removed. 
I am requesting again that you remove these fees as I should not be responsible for fees that were billed to the servicer after the modification agreement was executed. I have sent a copy of this letter to both the Attorney Generals office and the Consumer Financial Protection Bureau to assist. 
Thank you for your attention to this matter and I look forward to hearing from you. ''
Product: Debt collection

The original creditors were predatory loans that I took out for a family member. I was contacted by XXXX several times and requested a debt verification letter. The letter was never sent. The representatives contacted me on my home, work, and mobile phone many times per week. After much pressure, I pulled my own credit and saw one account that I recognized and agreed to a payment arrangement for that account. While paying off this account, the representative told me that XXXX had another collection account that I needed to set up payment arrangements for. The representative assured me that as long as I made regular payments, the second account would not be reported. I paid BOTH accounts in full only to find out that the date of first delinquency had been reset to the date I actually paid them off ( XXXX 2018 XXXX. I sent e-mail messages and sent letters through the XXXX Postal service and XXXX has not responded. I called and spoke to a representative who told me there was nothing she could do. When I asked her to escalate my case she said that they do not have an escalation process. I disputed the information through all three credit bureaus and XXXX has confirmed and updated the accounts with inaccurate information.
Product: Bank account or service

Citizens Bank : I opted in to recieve overdraft protection from the bank and within a week I called in and opted out of the protection. After opting out They allowed a preauthorized purchase that i did not have enough funds to cover in my checking and took the funds from my savings account to cover it. This wiped out my checking account and XXXX more purchases were allowed also being taken from savings account. i was charged the overdraft protection fee {$6.00}. on the first XXXX, on the last charge they allowed, i was charged an unprotected {$35.00} charge. Though I opted out they allowed the preauthorized charge even though there were insufficient funds. This all takes place in less than a months time.
Product: Money transfer, virtual currency, or money service

XX/XX/year>, {$500.00} was sent via Zelle fraudulent and I reported it. I provided information to clarify why it was fraudulent. Initially, they gave back my {$500.00} but a few weeks later took it back.