23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Bank Of America offered me a Forbearance immediately following Hurricane Irma in XX/XX/2017. I asked them the conditions and they specifically told me that I would be able to postpone 3 months of payments and those payments would be placed on the back of the loan. Upon the 3rd month of Forbearance they were trying to get me to do a loan modification, which I refused. They then created an escrow account and pre paid my Flood Insurance and Property Taxes that were not due. I had paid my Home Owners Insurance so they could not pay that. They then told me that all 3 payments plus the 4th month were due in full to avoid foreclosure. I paid the entire amount to bring my Loan current and complained about what they had originally told me. The Account Manager XXXX XXXX told me that they didn't know at the time of the Forbearance that it wouldn't be put at the end of the Loan. I was told everything would return to normal which it did not. They then imposed a XXXX month Escrow account, my normal payment is XXXX a month now it is XXXX a month. I have been fighting with them for months offered to pay the escrow account to a negative balance and eliminate this insane escrow account which they refused. They are also now telling me that I am about to be force placed on insurance which they already paid. I am beyond frustrated dealing with this bank. I have placed no less than 100 phone calls and one of their employees recommended that I file this complaint as they were able to see the calls and they felt the bank is targeting me to try to get my home. I will not let them because I have too much equity in it. I am current and have not been behind at all with the exception of the forbearance in which I was lied too about the terms on numerous occasions. I have documentation, documenting all calls made and to whom. They should not be allowed to get away with this. I feel that poor people with no resources would lose their homes due to this type of predatory behavior. They also will not give me a letter to lower my Insurance Deductible from XXXX to XXXX. They also dictated how my Insurance Checks were used when I rebuilt my home and they forced me to pay a Contractor who did not complete the work and left me having to do it on my own being BOA refused to cut the check to me. This is a problem that should be addressed by the CFPB for all Banks as well. I paid for the Insurance and they dictated how it was spent and to whom and I was left repairing damage on my own that I could have completed if I had been in control of the Insurance Money that I paid for to insure my home. The list just goes on and on but those are the major issues. You really can't make this stuff up and most people can't even comprehend what they have put me through when I tell them about it.
Product: Debt collection

I received a voicemail from XXXX stating I needed to call back XXXX to avoid being served documents that were being filed against my social The caller gave their name, but the call was muffled so I could not make the individual 's name, They did not identify the company they were calling from. I called the XXXX phone number. A man picked up saying his name was XXXX. He did not identify the name of the company. I told him I received a message to call this number. he looked up the number I was calling from and said he was pulling my file from the attorney. After waiting on hold for a few minutes, the call was disconnected. I called back and woman named XXXX XXXX answered. I advised that I had been disconnected. She again looked up my phone number. After some time, she came back and said she was reviewing my file and saw where it stated that I had requested a debt verification letter to be sent. I told her that I did not even know what company she was associated with as no one had said who they were associated with in the calls. She then got very agitated and said " I can see why XXXX hung up on you then ''. She then disconnected the call. I called the number back again. XXXX again answered. I asked him what the name of the company was that I was contacting. He told me it was XXXX XXXX XXXX XXXX XXXX. I asked for the address. He gave me an address of XXXX XXXX XXXX XXXX, XXXX, NY. While XXXX was still on the phone, I XXXX the address he gave me and it came up as being a XXXX store. I told XXXX that the address he provided was for a XXXX store. He told me I was lying and that was their physical address. He then disconnected the call. I contacted the XXXX store at XXXX. I verified that their correct address was XXXX XXXX XXXX XXXX, XXXX, NY. I asked if there was a neighboring business by the name of XXXX XXXX XXXX XXXX XXXX. The associate stated that there was no business by that name that was physically located at that address.
Product: Credit reporting or other personal consumer reports

A hard inquiry from XXXX XXXX was added to my TransUnion credit report. I have never used nor reached out to XXXX XXXX, nor do I have any affiliation with them. The inquiry was made on XX/XX/year>.
Product: Credit card

I am writing to file a complaint against Synchrony Bank regarding the handling of my recent payment. On XX/XX/XXXX, I made a {$20000.00} payment through the Synchrony Bank credit card website, and the funds were withdrawn from my XXXX account the following day. However, despite this prompt withdrawal, I discovered on XX/XX/XXXX, that these funds have not been applied to my available credit. 

Upon calling customer service, I was informed by XXXX, a XXXX, that my payment would be held for XXXX  days, with a release date of XX/XX/XXXX. Another representative explained that my " huge '' payment is being held because it exceeds {$7900.00}. I routinely make monthly payments greater than {$8000.00}, so I asked if I should expect all my payments to be held for XXXX days. If there is such a business rule in place, why was I not notified of this hold before making my payment? I only learned of this hold when I noticed my credit limit had not been updated after XXXX days. My requests to release the hold or extend my credit limit were declined. 

I find this XXXX hold without prior notification both unreasonable and unacceptable. Synchrony Bank initiated the payment via XXXX and withdrew the funds promptly, so I do not understand the justification for this lengthy hold. This situation has caused significant inconvenience and feels like an abusive practice towards consumers. 

I initially chose Synchrony Bank due to its partnership with XXXX, with whom I have been a customer since 2001. However, this experience has led me to reconsider my banking relationships. I am now forced to reset all my auto payments and move my business back to Chase, where I have never encountered such issues. 

I urge the Consumer Financial Protection Bureau to investigate this matter and ensure that Synchrony Bank 's practices are in compliance with fair consumer treatment standards. This situation reflects poor business decision-making and a disregard for customer satisfaction. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

Looking to change incorrect data on my credit report. I reached out to the Equifax, about the incorrect information that being reported. Unfortunately, I was robbed back in XXXX, The insurance company paid a substantial amount of the car. The remainder balance was XXXX. Which XXXX XXXX decides to offer me s settlement agreement of XXXX XXXX To my understanding I though things were updated based on my consumer rights.
Product: Debt collection

There was a debt collection placed on my credit report XX/XX/XXXX. 2024, the collection company is XXXX XXXX  XXXX XXXX, the origin of the debt shows it is coming from XXXX XXXX. I have never used XXXX nor have I ever purchased anything through their services. When I addressed this issue with XXXX customer support they confirmed this via text that I have no unpaid balances or transaction history with them or any linked accounts with any of my personal information. When my credit bureau called to investigate however XXXX confirmed the debt and the collection still remains on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : XXXX, ID, Identity Theft report
Product: Credit card or prepaid card

On XX/XX/XXXX I opened an account at XXXX and made a purchase for {$61.00}. I intended to pay but the cashier told me that it was better to add it to my new credit card, so I did. I waited for my card to arrive at home but it never did. I tried making a payment in person at a XXXX store but they wouldnt accept cash. I asked them for information regarding my account and explained to the sales person that I had not received my credit card on the mail but no help was provided. I tried opening the XXXX app but I needed my account info and I did not have it with me. This was my first time trying to open an account to start working on my credit but it turned out a nightmare instead.
Product: Credit card

I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX for me, and I sincerely hope for a swift resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent three affidavit credit dispute letters starting on XX/XX/21. My written request was for XXXX to remove all unverified accounts from my credit report. One remaining account that is incorrectly reported is XXXX XXXX XXXX who sold the account to XXXX XXXX. XXXX and Experian have ignored my requests and continue to report erroneous information on my credit reports. 

I have no signed contract with XXXX, no investigation of XXXX has been made to show an original credit application on file. XXXX has reported several accounts with XXXX XXXX XXXX XXXX, and XXXX XXXX of XXXX. I have been unable to look at my credit report with XXXX. Experian has followed suit with several reports from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX and others that have not been verified prior to adding the accounts to my credit report. 
Under Section 609 & Section 611 ( a ) ( 1 ) ( A ) a consumer contract with my signature on it has not been verified. I have been ignored by XXXX, XXXX, and Experian. I demand that this illegal way of reporting ceases to exist on my credit report.
Product: Checking or savings account

I was a victim of identity theft some took money out of my account. My account was closed and reopened with a new account number. I went to the bank they denied returning the funds to my account. I have resubmitted a claim with the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a self financial credit builder account to improve my credit which was entirely voluntarily I Was told I may cancel at any time and even though I canceled service I am still receiving negative developmentary remarks on my credit report stating that myself payment is late this is untrue and self credit repair did not give me any loan at any time II paid paid {$25.00} a month so that way So financial may report on my credit report positive payment history but no way save fashionable form that I receive any monetary game is the monitory game from self financial and the reports to my credit report os wrong illegal and unjust
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

MIDLAND CREDIT MANAGEMENT {$330.00} OPENED XX/XX/year>. ACCOUNT IS NOT MINE DISPUTED SEVERAL TIMES!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have told Experian as well as other platforms that they are not posting the correct info on my report and they allow the companies to continue to do so which for XXXX is illegal and XXXX, violating my right to fair representation!!
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am displeased by this oversight and hereby urge you to promptly address and rectify all inaccuracies present in your records. I request that immediate action be taken to ensure the integrity and accuracy of my credit profile is restored without delay. Additionally, I ask that you eliminate any employers and phone numbers associated with my credit report. I do not authorize you to retain or report any information that consists of unverified claims about me, potentially outdated or inaccurate. I want to emphasize the importance of using only correct and up-to-date information about me. As per my understanding, you have a 30-day window to complete this update, and I urge you to ensure the accuracy of all information in my credit report within this timeframe. 

Listed below are the Personal Information that are being challenged : Incorrect Name : - XXXX XXXX XXXX Incorrect DOB : - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to open a credit card with XXXX XXXX in XXXX XXXX. When I did not receive my credit card in XXXX, I called them to ask why it had not been received. I was informed that someone had changed the name and address on the card and was using the card. I immediately told them that this was an act of fraud and it was not me. I was sent in circles for months filing complaints and filling out documents all simply saying that the credit card was never received and i never charged anything to the card. I continuously told them to cancel the card that by credit report was reflecting a delinquent account that was n't even me! They never closed the account, the account continues to accrue late fees, and they even sent me a credit card, sent to my correct address- WITH THE FRAUDULENT NAME in XXXX XXXX! My credit report has been getting hit since this whole process began, and they are absolutely impossible to work with. In XXXX, I was told to provide them with a police report and affidavit attesting to the fraud. I did all they requested, and received a response saying that the " investigation '' they conducted concluded that the account belongs to me. I call the company and am constantly rerouted and asked to provide additional documentation and fill out additional forms, and I have done so to no avail. I simply do n't know what else to do, I have never encountered such gross incompetence.
Product: Debt collection

I have no idea what the Calvery port is. Is {$3900.00} that has ruin my record and because if it I lost my home loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX  XXXX Balance : {$3600.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$470.00} ; XXXX XXXX Balance : {$9900.00} ; XXXX XXXXXXXX XXXX Balance : {$47.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$58.00} ; XXXX  XXXX XXXX Balance : {$230.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$310.00} XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX  XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several requests that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4700.00}
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : UNKNOWN ACCOUNT Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this.
Product: Student loan

I have two separate loans with this company and when I sent them two payments they purposely apply the payment to the wrong account. Over the years I 've paid more interest on the account than what 's been applied to the principal. I make timely payments and yet the amount that I owe has not been reduced at all. AES makes it almost impossible to paid off my student loan due to the manner in which it applies my money to the interest and principal.
Product: Debt collection

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on CAINE WEINER ( Original Creditor : XXXX XXXX  ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. 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: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX  of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting or other personal consumer reports

Victim of identity theft. Several accounts and inquiries are reporting to my transunion credit report that I did not open or authorize. Identity theft report is attached to this cfpb complaint with copy of my drivers license and ssn to verify identity.
Product: Credit reporting or other personal consumer reports

In my view, the absence of documentary evidence on compliance reporting standards and relevant consumer law is a cause for concern. It is of great concern to me that this omission has not been made. I'd like to ask you to rectify this erroneous and incorrect report as soon as possible. Failure to do so may lead to legal recourse due to a failure to comply with the necessary legal obligations in those areas. In order to avoid any future problems, it is important to understand the precise nature of documentation which must be addressed. In the future, a lack of accurate and complete information could lead to unnecessary difficulties. In order to mitigate any potential adverse effects, it is therefore essential that we address this issue with a sense of urgency. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

CAPITAL ONE BANK IS REFUSING TO INCREASE MY CREDIT LIMIT AND HAS ALLOW A FRAUDULENT TRANSACTION WITH XXXX TO PROCESS OF MY CREDIT LIMIT AFTER MULTIPLE DECLINE NOTICED REGARDING THE CREDIT LIMIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the Federal Trade Commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed ASAP, I will not wait another 45 days to receive no response because clearly Im being ignored. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. Section 611 ( a ), plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been 50 days so they should be deleted promptly.
Product: Mortgage

i was told when i initiated this mortgage that bi-weekly payments would be credited when made thru autopay. i now find out that is not true. although i made payments on the XX/XX/XXXX and XX/XX/XXXX, the payment made on the XX/XX/XXXX was not credited to my principle until the XX/XX/XXXX. had i known this i would never have done business with freedom mortgage. i will certainly never do business with them again and would recommend to anyone i can to avoid freedom mortgage. dealing with freedom after closing has been a very unpleasant experience.