23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I have been a Bank of America customer for over ten years, residing in XXXX XXXX and the XXXX. Recently, my account was blocked due to a security alert triggered by a XXXX transfer. The bank 's verification process requires a U.S. phone number, which I do not have, making it impossible to complete the verification. Despite multiple calls and significant expenses, the issue remains unresolved, and I am now being asked to visit a XXXX branch in person, which is not feasible. I seek assistance in resolving this matter without the need for travel. 

Please note the number they have on file for my account is my XXXX account, I receive OTP from all other company such as XXXX, XXXX, and XXXX without any problem. It's only Bank of America IT that can't send text to this number. 

I even call them with this number and occur a roaming charge over {$100.00} for that call, but that was not enough for them.
Product: Debt collection

My credit Report is showing an account of consumer Portfilio Service , Inc and they call and Harass Me daily about an account that was in clouded in Bankruptcy # XXXX I was not aware that was on my credit report this account should not be furnished on my consumer report as in violation of 15 U.SCode 1681b.Permission of a purpose of Consumer Reporting under which section 15U.SCode1681..I never gave any consumer reporting agency any Wriiten Consent to Report anything under my Consumer Reports which violates my of Federal Prorection as a Consumer I am demanding a Deletion of this Account off my Consumer reports
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
Sincerely, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX, XX/XX/year>.
Product: Debt collection

There was a collection call from : Bonneville Collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX. 

I was not notified that the call was an attempt to collect a debt. I recorded the call. The woman on the phone did not indicate that it was an attempt to collect on a debt prior to asking me private information. She was harassing me asking if I had a daughter named XXXX. I was not in Utah during the time the debt was incurred and the bill was in my name with a fraudulent address. I questioned the validity of debt but got no where and the caller made threats of making repeated calls in a rude an abrasive manner.
Product: Credit reporting or other personal consumer reports

a letter was mailed to Experian via a dispute XX/XX/23 going over some items that i felt were inaccurate. The company has yet to respond and correct the issues on my score affecting me from buying a house.
Product: Mortgage

We took forbearance on our home loan with round point mortgage beginning XXXX XXXX for 3 months after living through category 5 hurricane Ian. Forbearance is when your mortgage servicer or lender allows you to pause or reduce your mortgage payments for a limited time while you build back your finances. For most loans, there will be no additional fees, penalties, or additional interest ( beyond scheduled amounts ) added to your account, and you do not need to submit additional documentation to qualify. You can simply tell your servicer that you have a disaster-related financial hardship. What I am confused on is the part where it clearly states NO PENALTIES. As it was explained to me when I first inquired in XXXX for Forbearance on my loan, I would not be behind on my loan, that it would simply pause my loan until XX/XX/XXXX at which time Roundpoint requested that I re-activate my direct payments which I did. Roundpoint pulled the payment from my account on XX/XX/XXXX as agreed upon. After going through Hurricane Ian  and receiving extensive damage to my home I had a second disaster on XX/XX/XXXX where my first floor of my home was completely damaged due to a water leak. My home has been unlivable for more than three months. We have asked Roundpoint to release the most recent check issued in full ( {$20000.00} ) from the second claim, so I can proceed with fixing my unhabitable home. I have owned this property since XX/XX/XXXX ( 10 YEARS ) I have never once made a late payment. I have an extremely high credit score and a very serious financial interest in this property. I have invested a lot of money into the property over the last 10 years to increase its value. If I was advised at the time of inquiry in XXXX that forbearance would put my loan delinquent, I would have never considered it. In fact, I was advised otherwise, that this would only pause my loan. I am currently living in a small camper in my driveway with my XXXX XXXX   children, husband and dog, this has been a large burden on my family and by Roundpoint holding payments it will make it very difficult for us to get back into our home timely. Since our insurance company has gone insolvent we now are without the funds to be able to fix our home. Roundpoint refuses to release the only insurance check we were able to obtain for our flood claim before they went bankrupt. We were told they would only release the funds in increments and with an inspection each time. The increments would not be enough to even complete one thing that needs to get done.
Product: Credit card or prepaid card

BJS CREDIT CARD WHICH IS NOW XXXX  XXXX : I AM DISPUTING THE CASH ADVANCE BALANCE TRANSFER FEE OF {$150.00} PLUS ANY LATE FEES AND/OR INTEREST CHARGED TO MY ACCOUNT. THE BALANCE TRANSFER REQUEST WAS NOT HANDLED IN A REASONABLE TIME FRAME. THIS FORCED ME TO OBTAIN ANOTHER LENDING SOURCE TO PAYOFF MY XXXX XXXX  ON TIME. DOZENS OF MESSAGES AND PHONE CALLS WERE MADE TO CUSTOMER SERVICE AND TO SUPERVISORS IN THE BALANCE TRANSFER DEPT. WHICH PROVIDED NO REASON AS TO WHY THIS TRANSFER TOOK 8 WEEKS TO COMPLETE. SINCE THE BALANCE TRANSFER WAS NEEDED TO AVOID ANY INTEREST ON MY XXXX XXXX, I OBTAINED ANOTHER LENDING SOURCE. THE SECOND LENDER APPROVED MY BALANCE TRANSFER REQUEST AND SENT THE MONEY TO MY XXXX XXXX. BJ 'S BALANCE TRANSFER STILL HAD NOT GONE THROUGH AT THAT POINT. WHEN IT FINALLY DID GO THROUGH, MY ACCOUNT AT XXXX WAS ALREADY PAID IN FULL, SO I PAID BACK THEIR TRANSFER IMMEDIATELY IN THE AMOUNT OF {$5300.00}. SINCE BJ 'S BALANCE TRANSFER MONEY WAS RETURNED, THERE WAS NO REASON TO CHARGE A FEE, ESPECIALLY DUE TO THE LENGTH OF TIME FOR THE TRANSACTION TO COMPLETE. I HAVE NO INTENTION OF PAYING A FEE TO BJ 'S FOR SERVICES THAT WERE NOT PROPERLY HANDLED. I HAVE REQUESTED MANY TIMES FOR BJ 'S TO CREDIT MY ACCOUNT IN THE AMOUNT OF {$150.00} PLUS LATE FEES AND THEY HAVE IGNORED MY REQUESTS. THIS ACCOUNT HAS BEEN FLAGGED ON MY CREDIT REPORT AT XXXX XXXX AND OTHER CREDIT BUREAUS AND IS DAMAGING MY GOOD CREDIT. I HAVE ADDED A CONSUMER STATEMENT REFERRING TO THIS ACCOUNT ON MY CREDIT REPORT. I HAVE NEVER HAD A LATE PAYMENT TO THIS COMPANY IN ALL THE YEARS I WAS A MEMBER. 
THIS BJ 'S ACCOUNT HAS NOW BEEN TRANSFERRED TO XXXX  XXXX.
Product: Checking or savings account

Worst banking experience. BofA customer service got from bad to worst, they all care is ripping customer off with their fees which the gobernment agencies must take care. It is not fair that the banking industries makes billions of $ from peoples hard work thru these type of fees.
Product: Student loan

Good evening, I contacted Sallie Mae XX/XX/2022 to request for a loan modification that Sallie Mae suggested that I take as I had just lost my job. They said they could not help me because I was NOT in a financial hardship yet and to try calling back in a month. As I have been trying to contact Sallie Mae for the last 3 days which are XXXX XXXX, XXXX, XXXX around XXXX each day, I'm getting a recording indicating to call back between normal business hours between XXXX & XXXX XXXX  Eastern standard time. I live in Connecticut and was calling hours before they closed. I need to get in touch with them as every day that goes by my credit report is taking a hit. 
Thank you for your time and attention in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent disputes asking for proof of how the bankruptcy that is reporting was verified. I still have not received anything that answers my question. They only send a form letter stating verified. I asked for the information too many times because the last letter they sent me, stated that they will no longer process my dispute. They keep trying every method to stall and take as long as they want. They said they don't think that it's me disputing the " BANKRUPTCY '', who else is disputing it? I provided proof of ID.
Product: Debt collection

Contract with XXXX was terminated. XXXX issued return labels for return of XXXX iPhones, a router, and a charger. The items were returned promptly using XXXX 's pre-addressed, pre-paid labels. I have the tracking numbers from each shipment and the XXXX numbers identifying each phone in that shipment. 
XXXX has not credited XXXX of the XXXX phones returned. I have called them XXXX different time to try and resolve. It takes XXXX minutes per call and each time XXXX has told me they can see that the " missing '' phone did arrive at the warehouse. They tell me it will be corrected and credited " in a few days ''. The credit has never been issued. 
Since that time, XXXX has turned the account over to Diversified Adjustment Services , Inc. and placed a Collection notice on my credit report.

I am senior citizen and consider this Elder Fraud. They know they have the equipment. In fact, XXXX XXXX employee voluntarily removed my credit card from account at the beginning of the dispute over the returns so I would not be charged for something I had returned. She could see in the records that all equipment had been returned, but evidently knew it would be a problem getting credit for them. 
Please tell other consumers to keep all paperwork fromXXXX its shipping agents, and suppliers until they see on paper that the issue has been resolved. Do NOT take a customer service reps word that everything is okay as it takes week for them to rebill you.It 's also important to document the IMEI number of a cell phone and match it to a serial number for tracking purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

After exposing my information in a public manner by faxing it to a third party I contact Sterling Info Systems to withdraw my authorization to perform a background check. They refused to do so stating that only the original employer/requester can do that. This is unacceptable, this is my information that this company is putting at risk and has proven to not be able to handle properly. I am withdrawing and have withdrawn my authorization for them to provide a report to my employer as well as my authorization to continue any additional checks or screening. They have not complied and are continuing to do this work and continuing to distribute my personal information.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ACCOUNTS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the accounts below in my file XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : 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.
Product: Debt collection

Letters were sent to LVNV FUNDING LLC In regards to a XXXX rewards credit card issued by synchrony bank. The card was purchased by XXXX XXXX And then sold to a collector LVNV FUNDING LLC. LVNV Funding has disclosed false information on my credit report stating I owe XXXX XXXX XXXX dollars. The information was disputed in accordance with FCRA Requirements and XXXX letters were mailed with tracking to XXXX Funding asking for verification license numbers, how they came up with this debt and how they verified I owed them the debt. The response received was a statement from XXXX XXXXXXXX. This is not from the creditor that is listed on the credit report which XXXX XXXX XXXX. I have given lvnv funding more than 60 days to resolve and they have failed to do so. At this time I am asking they be investigated for fraud and violations of FCRA and remove any damaging false information that has been added to my credit report.
Product: Vehicle loan or lease

1. I purchased a vehicle on XX/XX/2017, the lender was Santander 2. The loan terms are : {$17000.00} XXXX months 21.55 % APR XXXX. I have noticed my principle balance has failed to reduce to level that would allow for the loan to paid off at the end of XXXX  months. 

4. I have requested an amortization schedule from lender Santander several time but they fail to produce one. I was not given an amortization schedule when I singed the loan. 

5. I have only been given a payment history that shows the principal payments are erratic and low, even as the payment shave progressed now into the XXXX year of the 6 year loan. I was never given any terms surrounding a balloon Thank you payment due at the end of 72 months. 

6. I have been consistent with making my monthly payments on time XXXX. It appears there will be an enormous sum due ( several XXXX dollars ) at the end of XXXX months. I have paid off other vehicles before and have never encountered this type issue, uncooperative response from the lender, or potential predatory practice. 

8. I am requesting for this to be investigated and remediated, with my principal balance to be adjusted accordingly
Product: Student loan

I have a XXXX student loan with Great Lakes which has been on and off in-school deferment and forbearance since 2010. Every year, Great Lakes has brought the loan out of in-school deferment before receiving notice of or verifying my XXXX semester attendance. They have had to make more than two retro-active adjustments to my loan repayment history because of this practice. For the past month I have been trying to speak with someone at Great Lakes about the issues with my repayment history and I am being jerked around and told that the information can not be changed because of the Fair Credit Reporting Acts. I researched into this topic and discovered a letter from the FTC discussing Great Lakes ' obligation to update the information on the credit file, even if it was accurate at the time it was reported. They have since refused to respond to me and I am now searching out other ways to resolve this issue. 

I have paid on my loan and my account is in good standing. The remaining principal balance is less than the original principal balance so I do not owe more than I took, I owe less. I have been working very hard to try and get this loan taken care of but, at each step Great Lakes has worked against me to prolong the time the student loan stays in repayment and therefore in their possession. I feel as though Great Lakes has no incentive to provide me with assistance as their money comes from having a number of accounts to service. Essentially they are a for-profit XXXX complex. There is no incentive to rehabilitate the XXXX if the XXXX gets a monthly check based on head count. The same situation is true with federally subsidized student loans. Great Lakes is attempting to prolong the repayment period of my loan and will not work with me to correct the inaccurate payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX KEEPS REPORTING UNLAWFUL INACCURATE PERSONAL INFORMATION. I HAVE ASKED SEVERAL OCCASIONS AND XXXX REFUSES TO REMOVE  THIS INACCURATE ADDRESS. I HAVE ASKED IN SEVERAL DOCUMENTED LETTERS AND ONLINE DISPUTES TO REMOVE THE ADDRESS OF XXXX XXXX XXXX, SC XXXX, AS IT DOES NOT BELONG TO ME. IT IS FRAUDULENT. MY ADDRESS IS XXXX XXXX XXXX XXXX SC XXXX. AS TO BY LAW YOU DONT HAVE TO PROVIDE PERSONAL INFORMATION ON YOUR CREDIT PROFILE BC IT IS A VIOLATION OF CONSUMER RIGHTS.  I HAVE SENT PROOF AND EXPERIAN WILL NOT DO THEIR JOB AND REMOVE THIS ACCOUNT WHICH IS VIOLATION 42 USC SECTION 408 AND 18 USC 1028 A - AGGRAVATED IDENTITY THEFT.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 : Discovered multiple unauthorized soft and hard inquiries on my credit report. Verified that I have never engaged in any financial transactions with the banks associated with the hard inquiries. Conducted a thorough review of my financial records to ensure that I did not inadvertently initiate these inquiries. 

Actions Taken : Contacted Equifax to address the unauthorized inquiries on my credit report. 
Due to my lack of knowledge or involvement in any of the financial transactions associated with them, Equifax has requested additional verification of my identity before taking further action on removing inaccuracies. I have never engaged in any financial transactions with the banks associated with the soft inquiries.
Product: Credit reporting or other personal consumer reports

Complaint Title : Immediate Deletion of Inaccurate Account from Credit Report Description : I am submitting an urgent complaint regarding serious inaccuracies on my credit report from Equifax. The following account is not only reported incorrectly but is causing significant harm to my creditworthiness. I demand immediate action to rectify this matter. 

Personal Information : Full Name : XXXX XXXX Last Four Digits of SSN : XXXX Date of Birth : XX/XX/XXXX Account Information : Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Type : Revolving Account Status : Derogatory Last Reported : XX/XX/XXXX Discrepancies : 1. Credit Limit : This account is falsely reported with a credit limit of {$0.00}, undermining the integrity of the credit reporting system. 
2. Monthly Payment : The monthly payment is inaccurately listed as {$0.00}, misrepresenting the status of this account. 
3. Consumer Disputes Notation : The notation " Consumer disputes this account information '' appears multiple times, creating confusion and violating the Fair Credit Reporting Act ( FCRA ). 
4. TwoYear Payment History : The lack of detailed payment information contravenes FCRA requirements for accuracy and completeness. 

Moreover, this account has been sold to XXXX XXXX, meaning I no longer owe any debt on it. Reporting this account constitutes double jeopardyan unjust penalization for a debt that has been resolved. Under 623 ( a ) ( 1 ) ( A ) of the FCRA, it is illegal to furnish inaccurate information to consumer reporting agencies. Continued reporting of this account violates my rights and undermines my financial reputation. 

Similar Lawsuit Reference : In the case of XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX, the court ruled in favor of the consumer when inaccuracies in reporting were identified. The judge emphasized that incorrect information can lead to significant harm, warranting immediate correction and removal. This ruling supports my assertion that I am entitled to accurate reporting and protection against erroneous data that has been transferred to another entity. 

Legal Basis : I invoke my rights under the Fair Credit Reporting Act ( FCRA ) 611, which entitles me to dispute inaccuracies and compels credit reporting agencies like Equifax to conduct thorough investigations. It is unacceptable to continue reporting a resolved debt, and I expect immediate action. 

Demand for Action : I DEMAND the IMMEDIATE DELETION of this inaccurate account from my credit report. If this matter is not resolved promptly, I will seek {$1000.00} per violation, as permitted under the FCRA, and pursue all available legal remedies to protect my rights. 

Attachments : I have attached copies of my credit report and supporting documentation that validate my claims. 

I expect an immediate response detailing the actions taken regarding this matter. This situation requires urgent resolution, and I trust that you will treat it with the seriousness it deserves. 

Thank you.
Product: Mortgage

In XX/XX/XXXX, I reached 80 % LTV on my mortgage by making additional payments. The loan was refinanced in XX/XX/XXXX. I reached out to United Wholesale Mortgage, requesting that they remove PMI, since I had reached 80 % of the original LTV. 

In response, I received an auto-generated letter indicating that XXXX XXXX required either an appraisal or a broker price opinion ( BPO ), because the Automated Valuation Method was unavailable for my property. 

On XX/XX/XXXX, I mailed a letter to UWM again requesting that they remove PMI and referencing 12 U.S.C. 4092, which requires that PMI be removed when the loan reaches 80 % loan to value. The only requirements of federal law that were relevant are providing evidence that the property has not decreased in value. I provided eight comparable sales within the last 12 months demonstrating that the property has not decreased in value since XX/XX/XXXX, along with the property tax assessment for XXXX, which shows an {$80000.00} increase in value to the property. I also provided four current comparable listings that are on the market. 

In response, I received a letter in early XX/XX/XXXX that was virtually identical to the original letter, requiring me to pay for either a BPO or an appraisal. The letter did not address the evidence that I provided regarding the value of my home. 

On XX/XX/XXXX, I called UWM to get more clarity on the situation. The only thing they were able to state is that XXXX XXXX is the investor, and XXXX XXXX requires a BPO or licensed appraisal from an independent licensed broker. Their definition of independent is apparently XXXX that works for the bank. They were unable to cite to a specific regulation or statute that allows them to require payment before removing PMI. I do not believe this is in compliance with federal law governing the removal of PMI, as 12 U.S.C. 4902 does not require the borrower to pay for a BPO or licensed appraisal.
Product: Checking or savings account

XX/XX/2022, I contacted Chime to close my Chime account due to my card being lost. To my acknowledge, my account was permanently closed. XX/XX/2022 I became aware of Identity Theft on behalf of my XXXX yr old son and I. Through my XXXX account, I was able to find out that my closed Chime account was on XXXX XXXX I also discoved that my closed Chime account was on my credit and have been ACTIVE since XXXX XXXX. I contacted Chime XX/XX/2022 about my closed account and was told by customer service representative XXXX that the account was closed. I recieved an XXXX email same day stating that my request has been received and was being reviewed the member service team. As of XX/XX/2022, I have yet to hear anything back from Chime.