23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XXXX XXXX, 2017, I wrote a letter to XXXX XXXX requesting Hardship Assistance, as their website indicates their concern and wanting to help their customers who were experiencing financial problems and/or foreclosure prevention. I received documents on XXXX XXXX, which was completed and mailed along with the required supporting documents to XXXX XXXX Hardship Assistance Dept. on XXXX XXXX, 2017. Part of the supporting documents submitted was a letter of explanation regarding my situation, and expressing my desire to keep the property, which is my PRIMARY RESIDENCE, and where I have been operating my home-based business-even since the initial loan was granted by XXXX XXXX. This plus the fact that the total mortgage payment on this residence is set to increase from {$4500.00} to {$6000.00}, beginning XXXX 2017 ; and finally, I pointed out that with the breakdown of marriage, I was now a self-supporting WOMAN, solely responsible for making mortgage payment with the submission of Quit Claim deed & Settlement Agreement. Letter dated XXXX XXXX, 2017 was received from XXXX XXXX stating that the only help they can provide was a Short Sale or Deed in Lieu of Foreclosure - what kind of help is that? XXXX XXXX seems to want to get the property and my livelihood as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third 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 XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX Balance : {$1800.00} XXXX XX/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 XX/XX/XXXX
Product: Debt collection

On XX/XX/XXXX I sent true accord a letter asking them to validate the Debt they were alleging that I owed. On XXXX it was said that true accord received my letter. I have yet to receive the validation of the debt.
Product: Checking or savings account

On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  opened a checking XXXX savings account with Wells Fargo Bank in XXXX XXXX, XXXX XXXX deposited {$78000.00} in our checking account. At some point we transferred some money to the savings account. We are not sure of the exact date at this point but somewhere around XXXX of XXXX all of the money then in our savings account was transferred out, without our knowledge or authority, by Wells Fargo Bank, allegedly to a company with whom we were in dispute at the time. When checking our savings account XXXX seeing what had happened, we immediately went to the bank XXXX demanded to know what had happened. We talked to everyone who would speak with us XXXX no one offered any explanation. We were told by XXXX person that a company had submitted legal papers to the bank XXXX that the bank withdrew the money XXXX gave it to that company. We asked to see the papers. Wells Fargo refused. We asked for the company name XXXX contact information XXXX Wells Fargo refused to give us any information. We were left with no recourse XXXX tried to find information on the internet, other banks, legal advisers. No one could get Wells Fargo to help us. We had no recourse except to hire legal counsel XXXX we could not do that because we could not afford it.
Product: Credit card or prepaid card

I paid my balance off in full on XX/XX/2023. I received a statement with a interest charge. I called Bank of America to find out why they are charging interest on a {$0.00} balance. The c/s agent said that the card had to have XXXX months of {$0.00} balance to not accrue interest. They are charging interest for a {$0.00} balance -- this sounds like a junk fee.
Product: Debt collection

My apartment ceiling fell in and my apartment flooded completely out, the apartment complex would not fix the issue and we were homeless for over 2 months with our baby XXXX at the time waiting on the issue to be fixed, still the apartment never fixed the issue. We asked to be moved to another apartment and the complex stated they had no open apartments. After XXXX almost XXXX months of living with other people I contacted the property manager who stated they did not have the budget to fix any of the issues ( we still have all communications, text messages, emails, pictures etc. ) and stated it will be best to move but to send a notice first. We emailed a notice to the property management and waited for a response after being told that because our apartment was inhabitable we would not be charged to move complexes. We made sure we cleaned the apartment out and left it like new ( which we have pictures of as well ) we were never sued, never taken to court, but an amount was sent to a collection agency IQ DATA INTERNATIONAL in the amount of XXXX dollars. When disputing I asked for proof that I owe the debt and it was never provided, I then called the apartment complex and explained the situation and they ( XXXX XXXX ) have no record of me owing a balance at all and they have called the collection company on multiple occasions to have it ( the balance ) removed as well. The collection agency stated that once they receive it they can not remove it and I have no choice but to pay it but the apartment complex stated I do not owe the debt
Product: Credit reporting, credit repair services, or other personal consumer reports

Possible Finance reported I was 30-60 days late on a payment. I attempted to contact them and got no where. My account can not go from OK payments on time to 30-60 days.
Product: Credit card or prepaid card

On XX/XX/XXXX ( est. ), Bank of the West opened a credit card account and sent me a Credit Card associated with this account. I had NEVER requested a new credit card as I have several other general credit cards, as well as a Bank of the West Debit Card and a XXXX XXXX XXXX ( at the time with over $ 1M ). 

Around the XX/XX/XXXX timeframe, I accidentally used the card at XXXX for {$5.00}. Subsequent to this, no bill was mailed or emailed to me. And none since. As well I didn't receive any phone call from Bank of the West concerning this account and the {$5.00} charge. 

After checking on my credit rating concerning a potential HELOC loan, I realized there was a {$94.00} outstanding charge. I then reached out to Bank of the West concerning this charge and account. I immediately paid the {$94.00} to Bank of the West and closed the account ( XX/XX/XXXX ). 

I immediately filed a complaint with Bank of the West asking for them to reverse the credit reporting incident since they are responsible for creating the account/situation. they have not yet responded to me in any form. 

As well, I filed a dispute with all three credit bureaus. Their response back to me indicated Bank of the West was not willing to change their representation of the outstanding account/issue. 

With over $ 1M in a XXXX XXXX and several {$0000.00} in our checking account, as well an over 45 year customer of Bank of the West, I would have hoped Bank of the West would have made more of an effort to contact me concerning this issue. 

finally, I find it very disturbing that a Bank can send a credit card ( without authorization ) to a customer, then report on non-payment without mail, email, or phone contact to their customer. This is misleading at best. Fraudulent in my view.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I was laid off due to covid-19. I was leasing an apartment from XXXX  XXXX XXXX XXXX XXXX, I contacted the leasing agency XXXX XXXX  ( XXXX XXXX XXXX XXXX ) in writing with proof that I was laid off and requested to enter deferment. He wrongfully told me that in order to enter deferment I had to pay 50 % of my balance, which I could not. They then proceeded to put a 3 day notice to quit on my door or I was getting evicted. So I moved out and upon moving out they added a bunch of late fees to my bill, and sent me to collections with XXXX XXXX  debt collector. XXXX XXXX demanded money and would not hear me out that XXXX  XXXX XXXX XXXX XXXX wrongfully would not let me enter deferment, demanded all of the balance including the late fees and the entire rest of the lease even though I had vacated. XXXX XXXX  then reported to the credit bureau and I have been trying to resolve and dispute this for months.
Product: Credit reporting or other personal consumer reports

XXXX Closed account on XXXX XXXX. OFFERED SETTLEMENT for previous bank account that is closed. Settlement paid on XXXX XXXX. Status of account was never updated, company continued to report poor remarks and demand full payment. Company shill continues to demand full payment. Credit reporting agenecy has incorrectly stated account meats FCRA standards without running investigation. When asked to delete file they update with wrong information. They have recover disputes since XX/XX/2023 and have refused to resolve error 's for 12 months now
Product: Credit card

I sent the company ( Capital One ) a check from my bank for the payoff amount on the account. With it I sent a note saying that the check was to pay off the current balance. The note did not say that the account was to be closed. Capital One then closed the account. I called the company to ask them to reopen the account, but they said they could not reopen it. 

I have had the account for 27 years and have always made my payments on time. This account is very important for helping me to maintain my credit score, which is fairly high at the moment.

Whether the company closed my account by accident or because they thought I was paying it off to close it, I did not direct them to close the account. Their closing the account has the potential to have a negative impact on my credit score. Given that I have maintained this credit card for 27 years with a good payment history, that kind of impact to my credit score is unfairly negative and is impossible for me to restore.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to the credit bureau disputing the two late payments on me credit. Just to clarify, the first late payment that XXXX reported on XX/XX/XXXX was not valid as you had already traded in the vehicle on XX/XX/XXXX, and the Menards payment was made on the day the payment was due. I would like to recite the relevant sections of the Fair Credit Reporting Act ( FCRA ) related to this issue? 

In accordance with the FCRA, specifically XXXX  account # XXXX, the reporting of inaccurate or incomplete information by credit bureaus is prohibited. Section 602 of the FCRA outlines the procedures for handling consumer disputes and requires the credit bureau to conduct a reasonable investigation into any disputed information. Section 604 ( a ) ( 2 ) of the FCRA provides that if a dispute is filed, the credit bureau must promptly notify the furnisher of the disputed information and provide all relevant information about the dispute. 

Finally, 15 USC 1666b requires credit card issuers to promptly credit payments made to the account on or before the due date. Given that the Menards payment was made on the day the payment was due, it should be considered timely and not late. 

The FCRA, or Fair Credit Reporting Act, is a federal law that regulates the collection, dissemination, and use of consumer credit information. It provides consumers with certain rights regarding their personal credit information, including the right to obtain and dispute credit reports. 

In situations like the one I described, where there may be a dispute regarding the timeliness of a payment, the FCRA requires credit reporting agencies to investigate and correct any errors or inaccuracies in your credit report. This helps ensure that your credit report accurately reflects your credit history and that you are not unfairly penalized for any mistakes or discrepancies. 

Additionally, the FCRA imposes certain obligations on financial institutions and creditors to provide accurate and timely information to credit reporting agencies. This means that if a creditor reports inaccurate or misleading information about your credit history, they could be in violation of the FCRA and subject to penalties. 

Overall, the FCRA is an important law that helps protect consumers ' rights and ensures the accuracy and fairness of credit reporting. 

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

I have asked for a copy of a signed contract between myself and LVNV funding to prove I owe them money and they have not provided any proof or any paperwork that I have entered into an agreement with then. 

They continue to report the account to the credit bureaus XXXX  and XXXX  as verified and accurate.
Product: Credit reporting or other personal consumer reports

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, has violated my rights. 
According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ) - According to 15 USC 1681 ( 5 ), they are supposed to treat inaccurate or unverifiable information by promptly deleting or modifying it.

According to 15 USC 1681s-2, they are not supposed to furnish any information that is known or believed to be inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have daughter who is a minor and I am trying to freeze her credit with Equifax. I have mailed in the required paperwork requested by the company on their website in order to freeze the credit of a minor ( Minor Freeze Request Form, minor 's SSN, minor 's birth certificate, my government-issued driver 's license, and a utility bill showing my current address which was different than on my ID ). I have called Equifax over 5 times, speaking to more than 5 different individuals, and getting multiple stories and letters as to why they are unable to place a freeze on my daughter 's credit. The most consistent story is that since my daughter has no credit history, there is no credit report to freeze, and there is nothing they can do. However, even the Equifax website states " Should you request a security freeze be placed on your minor dependents credit report, a credit report is created for the minor and then frozen. '' I spoke to one Equifax individual on XX/XX/22, who stated that a temporary credit report needed to be made for my daughter, then a freeze could be placed on the account. He said that we was able to do this, and I even have a confirmation number for this freeze. However, the next day another letter was issued to me that a freeze could not be processed. The other two credit agencies ( XXXX and XXXX ) were able to easily freeze my daughter 's credit with no issue. 

I have all but given up that Equifax can not, or will not, do anything to help proactively protect the credit of minors. Instead, I was told once my daughter has a credit report ( as in, someone abuses her credit, opens accounts in her name, and fraudulent activity has already occurred ), THEN I can freeze her credit. This is very disappointing and unacceptable for a company that explicitly on their website states " Consumers under the age of XXXX typically do not have credit reports. Unfortunately, that means they present a blank slate for fraudsters who can apply for credit and take out loans in their name. The identity theft may not be discovered for years, until the child is a young adult. '' Equifax is only wanting to take action after the fact, when the damage has already been done.
Product: Credit reporting or other personal consumer reports

In Accordance with Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC-1681. 

1. Child support ( XXXX XXXX XXXX ) Account # XXXX 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 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

I submitted a letter on XX/XX/2021 about inaccurate and unverified information on my credit report, i have yet to receive a response, ignoring the fact it have been over 60 days. I feel as though im being used and that my complaints are being ignored. It has been over 60 days and they should be removed immediately or i will file for litigation to compensate me for the stress you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.
Product: Vehicle loan or lease

XXXX XXXX has no way to separately apply late fees for payments on their app or on their website. Paid the full amount including late fee and they do n't apply it properly, then send late fee notices, make calls for collections and then I say it they have been paid with my total amount. They still do n't apply the payment properly. Finally send an email to them to fix it, they communicated back they applied it properly after months. They instead added them all together, charged {$30.00}, sent me another bill to collect the late fees, when I already paid them. I called them again today and the conversation went no where. They asked me a like 10 questions about my account and they still could n't help me. It has been a terrible customer experience. 

At this point, I need help to resolve this current matter, but for the future they need have a way to appropriately apply payment amounts to the proper buckets like late fees, extra principle etc.
Product: Mortgage

My mortgage was transferred from XX/XX/XXXX XXXX XXXX XXXX Gregory Funding in XXXX in 2020. 
My taxes and homeowners insurance were escrowed with them. The lender did not pay the homeowners insurance policy when it was due, and my policy lapsed. In XXXX there was storm damage to the home and when I contacted my insurance agent to make a claim, i was informed the policy was not in force and I was not able to make a claim for the storm damage. In XXXX I sold the home and the lender did not respond with a payoff until the day of closing, after several request to them by the title company an myself. We closed the sale and paid off the mortgage on XX/XX/2020. the next week i received notice from the county that the property taxes were not paid from the escrow account by the lender and i owed the tax and late fees. On XX/XX/2020 I received a late notice from the lender that the XXXX payment was past due and I'm in default. Finally, on XX/XX/2020 the lender contacted the title company stating they will not satisfy the mortgage as the quoted the incorrect payoff amount and asked that I send them an additional {$2400.00}. They said the reason for the error was that they paid the property taxes after they submitted the payoff to the title company
Product: Credit reporting or other personal consumer reports

I finally got access to my Transunion report after 3 years to find many inaccurate information and accts on my consumer report. This is why I have been getting denied my right to credit by many companies. 

According to File # XXXX Dated XXXX form Transunion. 
My name spelled wrong twice. 
Transunion had it : XXXX XXXX  ( wrong ) Its " XXXX XXXX XXXX Transunion has : XXXX XXXX ( wrong ) when its XXXX XXXX Transunion has XXXX Non-mailable addresses on my consumer report 6 non-contactable numbers 5 employments 7 inaccurate accounts reporting Twice Transunion let XXXX XXXX look at my report without my permission ( 2 promotional inquiries ) Per the FCRA as a Federally protected consumer. I am now opting out of any and all authorization I the consumer may have given Transunion written, un-written, verbal and non-verbal Per 15 USC 6802. This is a violation under the Privacy Act of 1974.

I have rights under 15 USC 6801 Protection of non-public personal information Under 16 CFR part 313- Privacy of Consumer Financial Information I never gave Transunion permission to report to my consumer report. 
Can they produce a wet signature from me granting them permission? 

16 CFR 313.7 forms and opt-out notices Nor have they ever contacted me regarding informing me that Transunion was going to be reporting on my behalf. 

Transunion needs to update my info immediately XXXX. My First name XXXX XXXX Middle name is XXXX XXXX XXXX. Address : XXXX XXXX XXXX # XXXX XXXX XXXX, Ca XXXX XXXX. Only! PLEASE REMOVE ALL OTHER ADDRESSES ( XXXX ) per The Privacy Act of 1974 XXXX. My Phone XXXX Only REMOVE ALL OTHER NUMBERS DELETE these 6 old non contactable numbers : XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX. XXXX only employment that should be reporting XXXX. Charge Offs Consumer Portfolio Services must be UP DATED as " Paid As Agreed '' Grain Technology must be UP DATED as " Paid as Agreed " XXXX. Never signed a contract with XXXX  XXXX  and this is a violation of Privacy Rights Act of 1974.! XXXX CFR part 313 Privacy of Consumer Financial Information. 15 USC 6801 Protection of Non public personal information! 5 USC 6802 Obligations with respect to disclosure of personal information. 
This is a third party debt collector must be removed off my consumer report. I never gave consent to report my Non public personal information XXXX. Accounts that ARE mine on my consumer report are as follows : XXXX XXXX of {$3500.00} UPDATE to Paid in full XXXX XXXX of {$4900.00} UPDATE to Paid in full XXXX XXXX XXXX XXXX. These 6 Accounts are NOT my Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The XXXX XXXX XXXXXXXX Employers : PLEASE DELETE My Non-personal Information per The Privacy Act of 1974 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE ALL { XXXX } NON-MAILABLE ADDRESSES Only Address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX This information is on Transunion file XXXX XXXX Date XXXX XXXX XXXX : XXXX, Beneficiary
Product: Checking or savings account

In XXXX I reported 2 charges that were not mine. My bank originally filed my claim wrong, the. Had to re file. I was told in XXXX that I would get a provisional credit, I have yet to receive. 2 months into the investigation they freeze my account questioning a mobile deposit I made in XXXX. Please see my attached time line.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted the following creditors : XXXX XXXX XXXX XXXX XXXX T.D. Bank XXXX XXXX And the all three credit bureaus : XXXX XXXX XXXX, To remove all late payments as I agreed to pay-to-delete and goodwill  deletions with all creditors however I did not get it in writing and they are refusing to delete rom my credit. Please kindly advise.