23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am writing to seek urgent assistance regarding my mortgage account with First Home Mortgage. The Loss mitigation process began in XXXX of XXXX. Details of this process are captured in the 4 previous CFB complaints submitted on XX/XX/XXXXXXXX XXXX XXXX and XXXXXX/XX/XXXX. The latest complaint was closed with the mortgage company First Home Mortgage agreeing to loss mitigation terms that resulted in 3 month agreement plan eff XX/XX/XXXX thru XX/XX/XXXX. During the agreement period payments were made on time in the amount {$5000.00}, per the signed agreement. The final payment to satisfy the payment agreement was made on XX/XX/XXXX. This final payment should have satisfied the agreement terms.Despite this, I have received several conflicting notices from First Home Mortgage. 

The notices indicate that my account is delinquent and demand full payment of a past due balance of {$94000.00}. Additionally, I received a collection notice requesting full payment of the loan amounting to {$820000.00}, which significantly exceeds my actual loan. 

On XX/XX/XXXX, a request for additional information was sent via email to the VA Technician assigned to mortgage account to receive additional information as I had not received any information at the time regarding the loss mitigation agreement plan. The assigned technician received information from the lender stating the loan had been transferred to another lender XXXX XXXX. I was informed that I should receive this information via US post mail. 

On XX/XX/XXXX a welcome letter was received via email from XXXX stating how to set up the new account and make payments. However this notification does not state the new contractual mortgage terms ( ie. due date, and amount ). 

The deferral letter states the loan payments that were missed for the past 18 months ( XX/XX/XXXXXXXX  XXXXXXXX  ) would be deferred. However these dates do not reflect 18 mths as those dates would be effective XXXX. A account transcript has been requested by VA as the dates outlined in the agreement do not align. 

In XX/XX/XXXX the mortgage account was listed on my credit profile as closed and transferred with a balance of {$820000.00}. There was an update to my credit profile on XXXX and XXXX account on XX/XX/XXXX reflecting that the account is now open 180+. late with a balance of {$830000.00}. This now reflects 2 delinquent mortgage accounts within my credit profile.The information outlined in the notices do not correlate with the information outlined via email with VA. There are several discrepancies within the notifications received. Notices state there was no change to mortgage account terms and and amount. However in an email received by VA it states the mortgage monthly payment and terms have changed. Lastly per the attached documents the current balance on the account is {$770.00}, XXXX.
Product: Vehicle loan or lease

Received payoff statement. Wired more than the payoff amount. Representative said the payoff letter may not be good. She was seeing a prepayment penalty if paid off before 36 months. This loan was taken out XX/XX/XXXX and today it is XX/XX/XXXX, so it has been in excess of 36 month as the last day would have been XX/XX/XXXX. The prepayment clause speaks to 36 months, not 36 payments.

I have included the payoff letter which does not show a prepayment fee and the loan which clearly states a fee if paid off within 36 months, which this was not.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 a money transfer in the amount of {$320.00} was made from my PayPal account and sent to a private person In Error. The error was made when a telephone number was inadvertently transposed during the transaction. My account has been carrying this incorrect balance since that time. Attempts to get the balance corrected and debit the recipient of the transfer has thus far been unsuccessful. I have made telephone calls to PayPal and sent certified mail to Synchrony Bank ( PayPal banker ) and to the Office of the Comptroller of the Currency. That office has assigned Case # XXXX to the matter and has informed me that they have forwarded my certified letter providing all of the details to you. Their letter to me is dated XX/XX/2022. I look forward to resolving this matter so that I may receive my funds returned. The person is not a merchant, vendor or to my knowledge engaged in any kind of a business and I did not receive any goods or services from that person. Further the transaction was not a gift.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The personal information of my consumer report has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
My only name is XXXX XXXX XXXX My only SSN is XXXX My only address is XXXX XXXX XXXX XXXX XXXX MI XXXX There are multiple socials on my consumer report please remove them. 

AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 The bankruptcy on my consumer reports should be removed because XXXX XXXX has already deleted it from their report and any accounts attached to it. 

15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make aany consumer report containing any of the following items of information, Any other Adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to 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

Borrower XXXX XXXX said that after a new servicer, XXXX, took over ... with accusations ranging from bad lending practices to violating state law to ... For the first time ever, the public can see the graduation rates for Pell ... Borrower XXXX XXXX said that after a new servicer, XXXX, took over ... with accusations ranging from bad lending practices to violating state law to ... For the first time ever, the public can see the graduation rates for Pell ... 


ask yourself would you pay for violations done to you NO!!!!!!!!! 

XXXX/dept of ed {$2200.00} {$3800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX IS SHOWING A BALANCE OWING TO XXXX XXXX WHICH HAS BEEN PAID AND HAS A XXXX BALANCE FOR OVER A YEAR NOW. I HAVE DISPUTED IT WITH EQUIFAX BUT THEY HAVE NOT CORRECTED IT. I DO NOT KNOW IF IT IS EQUIFAX OR XXXX XXXX WHO IS REPORTING IT. THE BALANCE HAS BEEN PAID. YOU WILL SEE ON THE THREE IN ONE REPORT THAT EACH OF THE OTHER BUREAUS REPORT THE XXXX BALANCE BUT EQUIFAX DOES NOT.
Product: Credit reporting or other personal consumer reports

There are two fraudulent accounts from this company on my credit file, which needs to be blocked immediately, according to FCRA and USC 1028A of the constitution. I have contacted the company numerous of times, but the company did not respond via mail nor electronic medium. The fraudulent account which is listed on my report includes : Account Name : XXXX. XXXX  XXXX XXXX, ACCOUNT # : XXXX, DATE OPENED : XX/XX/XXXX, XXXX ACCOUNT IS : ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT NUMBER : XXXX, DATE OPENED : XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

The ACCOUNT ABUSE REPORTED BY US BANK ON MY CONSUMER REPORT IS THE OVERDRAFTS FRAUDULENTLY CHARGED TO MY DEBIT CARD ACCOUNT. I DID NOT HAVE SUFFICIENT FUNDS TO PRICES INSTRUCTED TRANSACTIONS. US BANK ALLOWED PROCESSING AND THEN CHARGED {$30.00} IN OVERDRAFTS FOR THE NEXT 4 MONTHS. I FILLED REPEATED COMPLAINTS, DISPUTES, AND FRAUD REPORTS. AND STILL US BANK LABELED THE {$130.00} AS " CHARGEBACKS '' AFTER REVERSING CHARGES FOR CONSUMER RESOLUTION AND THEN REPROCESSING SAME INSTRUCTION TRANSACTIONS ON AN ACCOUNT THAT HAD INSUFFICIENT FUNDS. AND THIS Fraudulent unfair REPORT IS PREVENTING MY ABOUT TO OPEN BANK ACCOUNTS AND CASH CHECKS ISSUED TO ME
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. During a further investigation of these accounts, they are the same accounts, brought and sold, reopened and reporting twice. Theyve be on my account for several years, having taken out some loans while attending XXXX XXXX University I new Id have some student loan debt after I lost my athletic scholarship, but none to this magnitude. They are set to be remove in the fall of XXXX, so Ive been suffering from this long enough, Ive at the point in my life where my credit is important, I have a family and secure employment, Ive paid close attention to my credit reports and have found numerous errors and fraudulent activity stemming from XXXX until now. A previous dispute for the consolidated account and total for this listed below has already been removed, switch should be more than enough proof of the fraudulency and inaccuracies. Several hard inquires were made under my name which could have stemmed from a relative of mine, who has had my information since I was living with him while in high school and he claimed me as a dependent on his taxes, hes denies any wrong doing, my information was also breach in the XXXX leak as well, and Ive lost a wallet with several of my personal information such as ID, BANK CARD, and my original SSN was in there.
Product: Mortgage

My mother past away in XXXX of 2018. I have inherited the property. I have been living in the property for years. I have recently been struggling to make the monthly payments. I would like to assume the mortgage and possibly refinance the loan. PNC Mortgage refuses to speak with either myself or my sister regarding the mortgage. ( My sister had POA previous to my mother 's passing. ) The loan is currently in the name of my mother 's estate, but no estate was ever opened, no executor named. Still, the bank will not discuss the loan options with us.
Product: Debt collection

I received a mail from Allied International Credit Corp ( US ) attempting to collect on a debt owed to XXXX. I do not have an account with XXXX or have not used XXXX in over 5 years. I have read online that this type of letter is an attempt at fraud and should be reported here.
Product: Debt collection

I have a bill which is from the company with all the products information and account number someone I know got a bill as well with the exact information and account number. So please make this make sense before I lawyer up. This is not a error.
Product: Credit card or prepaid card

I never signed up for a Bluebird prepaid card and received one in the mail with my name on it. I don't see it on my credit report, but did not sign up to receive one.
Product: Checking or savings account

The majority of attachments with this provides ample evidence of what occurred. Long story short I have been a Bank of America Customer for over 20 years, not once have I been notified of any civil lawsuits, I was always suspicious of what might be going on with my checking account, debit card, credit cards, and never seemed to add up and seemed like more money than I anticipated was taken out of my accounts in addition to not being granted what was promised with the Credit cards such as cash on rewards etc. I Recently discovered that back in XXXX there was a Civil lawsuit in which there was an XXXX XXXX dollar settlement paid out to BOA customers who were hit with ample fees for having non sufficient funds, being penalized when a check was posted to my accounts, and discovered this was going on a long time ago when BOA would charge an overdraft fee then charge again after in which this happened repeatedly. I connected the dots a few months ago, drafted up a 30 day demand letter, sent to them in the beginning of XXXX, they did respond after 30 days, didn't address anything in the demand letter, and advised me to get in contact with their collection agency attorneys XXXX XXXX  XXXX in NY. I did forward the demand letter to XXXX XXXX  XXXX, they did respond, didn't acknowledge anything in the demand letter, and NOT ONLY DID THEY IGNORE IT BUT THEY DEMANDED THAT I PAY BACK AND THEY COLLECT A BALANCE FROM A PAST CREDIT CARD THAT WAS CHARGED FRAUDALENTLY. I WAS LIVID AND COULDN'T BELIEVE THE HIPPOCRASY OF THE SITUATION. I will be contacting their over draft settlement contact and not keeping my hopes up. Attached is ample evidence of what occurred. Please assist and advise. I would greatly appreciate it.
Product: Student loan

Navient is unwilling to work within my family budget to allow me to make affordable payments. When they make arrangements, they require them to be automatically deducted from my account. They ask what I can afford to pay and then always say they lowest payment they can take is at least {$50.00} more then that. They are so concerned with the interest collected on my non-federal loan, that they had not contacted me to pay my federal loan. I received notice that I was in default of my federal loan and had to quickly file for a consolidation with another company in order to bring my federal loans current. They are rude and unwillingly to meet customer financial needs during the repayment process.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING XXXX XXXX XXXX XXXX XXXX  XXXX Opened : XXXX Balance {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX Opened : XXXX Balance {$13000.00}
Product: Credit reporting or other personal consumer reports

Equifax ( 1 ) XXXX XXXX XXXX - XXXX XXXX, XXXX ( 2 ) XXXX XXXX XXXX  XX/XX/XXXX ( 1 ) Did not apply for a XXXX consumer product. Already have a XXXX XXXX card. Had it for years.

( 2 ) Never applied for any consumer product from XXXX XXXX. Bank rep stated that they have no application with my information on file. Refused to submit letter stating that fact because my data was never submitted to them. Equifax refuses to remove the erroneous hard inquiry.
Product: Checking or savings account

I 've been banking with Bank of America for 7 years and never had any problem until XX/XX/XXXX. {$1400.00} was stolen from my checking account ( XXXX XXXX XXXX ). These were unauthorized withdraws. ... Incident took place in 3 different occasions ; XX/XX/XXXX as well as XX/XX/XXXX and or XX/XX/XXXX. XX/XX/XXXX, {$400.00} was withdrew at XXXX XXXX, XXXX NY. XXXX and or XX/XX/XXXX, {$200.00} and {$800.00} was also withdrew ( from XXXX XXXX XXXX Ny ). I knew about the incident through Bank of America, via a text message. On XX/XX/XXXX or XXXX, I got a text message from Bank of America saying that I should confirm a possible {$800.00} withdraw. I immediately replied to the text and alert the Bank about the fraudulent. The {$800.00} is suppose to be a 4th withdraw ... But, was declined because this unknown has reached my daily withdraw limit. 
I was asked to filed a claim which I did. 2 weeks after I filed the claim, Bank of America Fraud Department connected me. They asked what happened, I told them the truth. I told them that the debit card was in possession when the fraudulent activity occurred. I told them that I did not know who did it ( which is true ). I told them to pull the surveillance camera/footage ( all evidences are there ). Days after the phone interview, I got a letter saying that my case has been close ; that all transactions were posted correctly ... I was hurt. I was disappointed but I could't challenge their decision because my father was extremely sick at a time and all I care about was to keep my father alive. I took my father from one hospital to another but he later XXXX XX/XX/XXXX. XX/XX/XXXX, I lost my grandmother. XXXX XXXX I lost my job because I could't focus on the job.. I have been through a lot. I have lost a lot. I am not writing this letter to gain sympathy..I am writing this letter because I need my claim and case re-opened and properly investigated. It hurt that NO ONE from Bank of America Fraud Dept took some time to investigate my case.. Because if someone did, I would n't be writing this letter. I 'm kindly requesting that Bank of America pull the footage, survillance camera and pictures ( from the locations where all ATM withdraws occurred ) and properly review/ investigate my case. The debit card that was used to make these withdraws was n't mine. I was never in the area. No one else has access to my debit card or pin number ( I had my card on me when the fraudulent was going on. I am a victim of card skimmers. As previously stated, I have been banking with Bank of America for 7 years. I never withdrew money at XXXX XXXX and XXXX ; or XXXX XXXX. It will be greatly appreciated if the individual ( s ) involved are arrested for putting me through XXXX. No one deserve this. Lastly, I would like to see the footage of all withdraws that took place XXXX, XXXX and XXXX ( for the amounts stated above ).
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Otherwise, update ASAP. Below are the inaccurate accounts on my credit report : Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute the accuracy of information on my credit report maintained by your bureau. Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B ( 15 U.S.C. 1681c-2 ), I request an investigation into the following item ( s ) : Account Information : Creditor Name : XXXX Account Number : XXXX Description of Inaccuracy : I dont owe XXXX no money I never had their service Explanation of Dispute : Fraudlent activity discovered on my account.Somebody used my information to start a XXXX account Request for Correction : I request that the inaccurate information be promptly corrected or deleted from my credit report, as it is affecting my ability to obtain credit on fair terms. 
Enclosed are copies of relevant documents supporting my dispute, including [ list any supporting documents such as billing statements, correspondence, etc. ].
Product: Credit card

On XXXX XXXX I used my Affirm Credit Account Loan XXXX to make a purchase from XXXX. It's been over a well over a month and the XXXX never delivered the merchandise to me and I requested a full cancelation of this loan. 
As of XX/XX/year> Affirm.com along with XXXX refuses to cancel the {$1200.00} loan for unknown reasons. At this point I decline, refuse & repudiate any offers of merchandise from XXXX and request Affirm.com to cancel loan XXXX XXXX indefinitely.
Product: Credit reporting or other personal consumer reports

XXXX : Dispute of Inaccurate Credit Report XXXXXXXX XXXX XXXX Violation of 15 U.S.C. 1681 and the Privacy Act of XXXX Dear Equifax XXXX This letter is to formally dispute inaccurate information appearing on my credit report concerning a XXXX filing. I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, specifically citing 15 U.S.C. 1681 ( a ) ( right to accurate information ), 15 U.S.C. 1681b ( 2 ) ( reasonable procedures to assure accuracy ), and 15 U.S.C. 1681c ( requirements on consumer reporting agencies ). I also assert my rights under the Privacy Act of XXXX  ( 5 U.S.C. 552a ) to request the deletion of this inaccurate data, as its presence constitutes a violation of my privacy. Further, I am exercising my right under 15 U.S.C. 1681 ( q ) to opt out of the reporting of this XXXX information. 

My Equifax credit report incorrectly reflects a XXXX  filing. This XXXX was previously removed from my report but has since been reinstated without any new information or justification for its reappearance. The reinclusion of this information is inaccurate and violates the FCRA 's requirements for accuracy and reasonable procedures to ensure accuracy. 

This inaccurate information is causing me [ Explain the harm caused by the inaccurate information, e.g., difficulty obtaining loans, rental applications, employment opportunities ]. This inaccurate reporting has caused me significant distress and emotional damages. 

I demand that you immediately investigate this matter and take the following actions : XXXX. **Correct the inaccurate information** : Remove the bankruptcy filing from my credit report immediately. Provide me with written confirmation of its removal. 
XXXX. **Ensure Data Compliance : ** Confirm that all future reports accurately reflect my true credit history, free from the aforementioned inaccuracies. I am formally opting out of any future reporting of this bankruptcy as allowed under 15 U.S.C. 1681 ( q ). 
XXXX. XXXX Notice : ** XXXX a notice of correction to all creditors and other parties who may have been provided with this inaccurate information. 
XXXX. XXXX XXXX : ** I request the deletion of all data associated with the inaccurate bankruptcy filing from your systems, as per the Privacy Act of XXXX This includes any and all personally identifiable information associated with this entry. 

Furthermore, I am seeking compensation for the violations of the FCRA and the Privacy Act. I demand {$1000.00} for each violation of the FCRA, and {$500000.00} for the suffering and damages incurred, as well as the breach of my personal information. 

Failure to comply with these demands will leave me no alternative but to pursue all available legal remedies, including filing a lawsuit under the FCRA and the Privacy Act of XXXX seeking statutory damages, attorneys fees, and any other relief deemed appropriate by the court.