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

BMO bank charged me a {$120.00} late fee because BMO turned off the monthly autopay without informing me and I consider this unfair, deceptive, and abusive conduct. Prior to XXXX XX/XX/XXXX, BMO had been taking out autopayments, in the amount of {$890.00}, that had been authorized by me and had been successfully taken out of my credit union checking account on or about the XXXX of each month for the entirety of XXXX. BMO bank did not initiate the XXXX XX/XX/XXXX payment from my credit union. I did not authorize BMO bank to stop taking these autopayments out of my credit union account. I was told three loan payoff amounts by BMO customer service representatives {$4500.00}, {$4500.00}, and {$4600.00}. I was charged a late fee of {$120.00} included in my payoff amount of {$4500.00} that I paid in full on XXXX XXXX XXXX. Payment reference ID is XXXX. All I am asking for is a refund of {$120.00} and the {$31.00} " late '' finance charge. I had received a letter from BMO dated XXXX XXXX XXXX stating that I was past due on XXXX XXXX XXXX, even though BMO did not take out the payment. BMO identified principle past due of {$1700.00}, a finance charge past due of {$31.00}, and unpaid late charges of {$120.00}. I talked to three different " customer service '' reps at BMO, none fluent in English, and the last one that actually took my payment had difficulty getting my credit union routing numbers and account numbers correctly entered so that I could pay off this loan. BMO turned off the autopay without notifying me, and this is a breach of contract or failure to fulfill the service that I had agreed upon. I am disputing the late fees based on the fact that BMO bank did not uphold the agreed-upon service terms. Thank you for your help! I appreciate it.
Product: Debt collection

Notice for Proof of Claim Account : CREDIT COLLECTION SVCS XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Product: Mortgage

On approximately XXXX XX/XX/2021, a home loan refinance with cash out was initiated with Pentagon Federal Credit Union. Throughout the application and review process, I communicated that I was an XXXX XXXX service member serving overseas and that my spouse would sign closing documents via certified special home refinancing power of attorney. On several occasions documentation was requested and provided to include the special POA. Application fee was paid, refinance rate with cash out option was locked, and a home appraisal was scheduled. On XXXX XX/XX/2021, PENFED provided notification " unable to use Power of Attorney for a cash out refinance. '' Also added, " Unfortunately, this means that we can only do a refinance of the mortgage balance with NO CASH OUT, or you would have to be able to sign on your own behalf at closing. '' I thoroughly communicated that I was a XXXX XXXX serving overseas on multiple occasions to ensure this would not be an issue. PENFED misled on their availability of services from time of application and no less conducted bait and switch tactics. I don't understand how a refinance with cash out application was approved with use of POA but after approximately one month, only a refinance without the cash out option can be closed with a POA. The company states a POA can be used to refinance but not with the original conditions agreed upon.
Product: Debt collection

XXXX XXXX CONTINUES TO REPEATEDLY CALL MY PHONE ALL THROUGH THE DAY SOME CALLS ARE RECORDED MESSAGES. 

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 THERE IS MORE CALLS TOO MANY TO LIST THEM ALL
Product: Credit reporting or other personal consumer reports

In XXXX, my XXXX score has randomly dropped XXXX times by XXXX points across all XXXX credit reporting agencies : XXXX, Transunion, XXXX, and XXXX. The first was in XXXX and then it went back up XXXX points the following month. As of today, XXXX XXXX, XXXX, my XXXX score dropped XXXX points again. In either case, literally XXXX changed unfavorably to create these changes. 

I have : not opened any new credit lines frozen credit across all agencies since XXXX, so no new credit requests or identity theft, my credit card balances hover at or BELOW XXXX ( yes, a credit to me ) as I pay any due balances daily or bi-daily usually before the charge is even posted by my credit card company, a XXXX balance at month 's end on all credit cards ALWAYS had no late payments in XXXX years a mortgage since XXXX whose balance is paid XXXX months ahead of time and the balance continues to drop monthly the same job with no change in income during both XXXX score changes no significant purchases. My largest purchase in the past 2 months was less than {$1000.00} and the credit card balance was paid the following day long before it was due. 
total available credit on my revolving credit cards of {$130000.00} and have used less than {$1000.00} ( 0.7 % ) of it for any single purchase in XXXX I tried to report the issue to each agency, but there is not reliable way to report such matters. As I'm considering the purchase of a car, a XXXX point unexpected FICO change is disconcerting. Further, if this is happening to me, a person with a sterling credit rating, then how screwed is a consumer who is on the cusp of good-v.-bad credit if this happens to them. 

I attached XXXX files showing some details of my credit record to bolster my points above. The information is from XXXX, but all of them reflect the same changes. 

Any help you can provide to resolve this matter would be most appreciated.
Product: Debt collection

SEQUIOA FINANCIAL SERVICES XXXX - Not my account, never received anything verifying this is a debt or its relation to me. This is a strict violation of FDCPA and FCRA. Please remove immediately. Also, talked to the company & they themselves lack any info & agreed to remove it. Please delete.. 

SEQUIOA FINANCIAL SERVICES XXXX - Not my account, never received anything verifying this is a debt or its relation to me. This is a strict violation of FDCPA and FCRA. Please remove immediately. Also, talked to the company & they themselves lack any info & agreed to remove it. Please delete. 

SEQUIOA FINANCIAL SERVICES XXXX- Not my account, never received anything verifying this is a debt or its relation to me. This is a strict violation of FDCPA and FCRA. Please remove immediately. Also, talked to the company & they themselves lack any info & agreed to remove it. Please delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a hard credit hit from XXXX XXXX on Equifax without my knowledge or consent. While attempting to have this repaired or removed Equifax first hung up on me and the second time I called I was told their system was down and to call back at a later time.
Product: Checking or savings account

I received a letter from Wells Fargo that an online application was done to open a deposit account in my name and address.
Product: Credit card or prepaid card

I tried to increase my credit limit and was unable to.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request the deletion of a specific account from my credit report with TransUnion Consumer Solutions. due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Creditor Name : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process.

Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information.

Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right.

Supporting Case Law : In Cortez v. Trans Union, LLC ( 617 F.3d 688 ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. Dennis v. BEH-1, LLC further reinforces the obligation to maintain reasonable procedures to ensure accuracy.
Product: Credit reporting or other personal consumer reports

I am writing to formally challenge the accuracy of certain entries on my credit report that appear to have been included without my consent. Specifically, I am concerned that these entries may have been accessed and reported in violation of my rights under 18 U.S.C. 1028A and 15 U.S.C. 1681b.

Under 18 U.S.C. 1028A, the misuse of personal information without proper consent constitutes aggravated identity theft, a serious offense under federal law. Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b outlines the permissible purposes for accessing and reporting consumer information. To the best of my knowledge, I did not authorize these entries, nor did I grant permission for my personal information to be used in this manner. 

The disputed accounts are as follows : 1. [ XXXX  XXXX XXXX XXXX XXXX ], Account Number : [ XXXX ] 2. [ XXXX  XXXX XXXX XXXX XXXX ], Account Number : [ XXXX ]
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, The list of accounts has violated. My federally protected consumer rights to privacy and confidentiality under 15 u.s.c. 1681 ... 
Account Names.. XXXX XXXX XXXX ... Account # XXXX ... Account Name ...XXXX XXXX XXXX XXXX XXXX XXXX .. Account # XXXX ... Account Name..XXXX XXXX XXXX XXXX XXXX.. Account # XXXX Account Name.. XXXX ... Account # XXXX ... Account XXXX... XXXXXXXX XXXX XXXX XXXX XXXX XXXX ... XXXX 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 a account without my written instructions. 15 u.s.c. 1681C. ( A ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of Convictions of crimes which antedates the report by more than seven years. 15 u.s.c. 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I sent money to someone for a service and didnt receive it. Ive asked numerous times for a refund and have not received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. 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 UPDATED immediately. 

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

ON XX/XX/2023 There were 12 unauthorized Hard inquires reported on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  please remove in accordance with 15 USC 1681.
Product: Credit reporting or other personal consumer reports

" I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/2024 and XX/XX/2024, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim. 

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done
Product: Checking or savings account

I use Chase online Bill pay for everything and never had an issue. When I closed my mortgage with XXXX  I set them up as a payee - on XX/XX/XXXX and XX/XX/XXXX Chase successfully cut a PHYSICAL check to my mortgage provider. My loan was sold, and then resold to XXXX this year where I reset up my XXXX payee EXACTLY as it was in XXXX. However, without warning or my knowledge Chase did not cut a physical but rather sent the payment electronically. I did not authorize an electronic payment nor did I want it electronically. So the payments they sent on XX/XX/XXXX and on XX/XX/XXXX went to non-existent accounts. They were not XXXX 's accounts, the intended recipient. They amount totals {$3400.00}. I have tried calling multiple times and filed a claim directly with the company on XX/XX/XXXX asking them to investigate. They have NOT been able to produce a trace number for me nor a receipt of any kind verifying the account that the money was sent to. Today, XX/XX/XXXX they notified me that my claim was denied. However they did not attach any additional proof of trace numbers or the exact accounts that the money was actually sent to. These were not XXXX 's accounts and XXXX wasn't even aware that Chase had their Banking information. Consumers need to be given the option to set up electronic or physical checks because of this EXACT reason. I was expecting a physical check to be cut as they have always done in the past. I need to get back that {$3400.00} so I don't lose my house.
Product: Mortgage

On XX/XX/ Ocwen Loan Servicing added {$12000.00} as a deferred principal from a Loan Modification. They were sued in Class Action Law Suit for taking advantage of consumers like myself. Is there anything you can do to help me in this situtation? Any assistance in this matter will be greatly appreciated. Thank You in Advance. 

Respectfully, XXXX XXXX XXXX
Product: Mortgage

I opened a {$250000.00} Home Equity Line of Credit ( HELOC ) with Union Bank about a year ago. I hoped to use the funds to pay for a long-needed backyard renovation. I set up automatic electronic payments though my XXXX XXXX XXXX checking account and the process had gone exceedingly smooth until the takeover by US Bank. US Bank has failed to consistently apply submitted payments to my HELOC account, as will be demonstrated below and in the attached document, and as a result has my account in a locked paydown status. If US Bank had consistently applied the payments they received from me, my account would not have met the standard for paydown status and therefore should be reopened immediately. 
It is highly understandable that when two big complex organizations come together, there will be issues, inconsistencies and things falling though the cracks. US Bank clearly has these issues but have failed to own up to them. I have met at least three times with the Branch Manger at the XXXX XXXX XXXX, ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX ) and another three times with his colleague XXXX XXXX ( XXXX XXXX ). Both have made a dozen calls within their organization to advocate on my behalf, without success. The consistent message has been he is responsible for keeping the account current and once an account is in paydown status there is nothing we can do ; you would need to apply for another HELOC. I would agree that it is my responsibility to keep the account up to date, but would add that US Bank has a responsibility to credit payments to my account when they receive them, and they have a responsibility to have a smooth handover when acquiring another institution. This is the dispute between the bank and I. I dont believe its my responsibility to overcome their inconsistency and operational clumsiness in merging with Union Bank . I ask for your help in applying some reasonableness to the situation and returning my account to good standing. 
The below is a log of payments made to Union Bank via XXXX XXXX  XXXX electronic transfer bill pay to Union Bank Account Number ending in XXXX. All payments were submitted in the exact same manner, payee, and account number. 
Date Amount Status XX/XX/XXXX {$1300.00} Credited XX/XX/XXXX {$150.00} Credited XX/XX/XXXX {$1300.00} Credited XX/XX/XXXX {$5000.00} Not Credited Returned 26 Days later XX/XX/XXXX Changeover from Union Bank to US Bank XXXX {$1300.00} Not Credited Returned 11 days later XX/XX/XXXX {$1300.00} Credited t XX/XX/XXXX {$1300.00} Not Credited. 
XXXX {$1300.00} Credited to my HELOC
Product: Student loan

I currently have a hold on my account due to overdue payment with th e ACS for m y loan. I am trying to make a payment to the account ; however, I am unable to register for my account becaus e ACS we bsite states that it does not recognize my social security number.     Since my account could not be registered, I am still unable to view the amount that I have to pay and pay for it. I have been contacting ACS, yet I am unable to get a hold of them.     I urgently need to get rid of the hold on my account because I need to order my official transcripts to register for my   XXXX    XXXX  degree and my job.     yet, it seems like I wo n't be able to have my   XXXX   XXXX   and job due to this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called and told that couple of days ago I got my credit report and noticed some inquiries that Ive never authorized and I tried to dispute them via phone and they refused to help me. I need this inquiries off my credit as soon as possible.
Product: Mortgage

1 ) The loan originated in XX/XX/XXXX ( XXXX financed ) with GMAC not XXXX, in XXXX GMAC says my balance was {$120000.00}, between XXXX and XXXX it is reported that I refinanced a total of 3 times for approximately XXXX in XXXX, XXXX in XXXX and another XXXX in XXXX. 
2 ) GMAC sold the loan to Ocwen in XXXX, I have not found what the balance was at that point. 
3 ) Ocwen transferred the loan to PHH in XXXX with a balance of {$110000.00}. 
4 ) There were some loan modifications and there were 4 foreclosure proceedings that were brought current through me making payments of the outstanding amounts plus fees.

5 ) It looks like there are some payments missing, I gained approximately XXXX to my original balances, so where did 17 years of payments ( give or take ) go? 
6 ) Using a simple mathematical calculation, if I paid a mortgage of {$540.00} every month for 19 years thats about {$120000.00}.

7 ) In my opinion there are not enough fees that can cause {$120000.00} of my money to totally disappear into thin air.

8 ) Using a basic amortization schedule a payment of {$540.00} for 228 months leaves a balance of {$57000.00}, what kind of fees would magically more than double that amount to {$120000.00} instead??