23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX things : Bank of America is refusing to allow us to pay our mortgage each month in XXXX parts- Both being early and before the month due. They continuously treat the second payment as deficient ( partial ) and ignore the first payment. And they then trigger additional service charges, interest and reported to the payment as late our credit bureaus. 
Second issue : We want them to decrease our principle. Our house is underwater by a very large amount and we paid for years and years a very high interest rate which they finally lowered when we complained to the XXXX office in XXXX Massachusetts. While our interest rate is no longer 8.65 % but a more modest 4.25 % - we have always had perfect credit and good income and have NEVER missed a payement or even paid late.
Product: Credit reporting or other personal consumer reports

I am filing a follow-up complaint regarding fraudulent activity on my credit report. I have reported identity theft to the Federal Trade Commission ( FTC ) at XXXX XXXX XXXX  with reference number XXXX. According to FCRA Section 605B, Credit Reporting Agencies must remove any items listed on an identity theft report. Attached are documents to assist in removing the erroneous personal information and inquiries. The items opened without my permission are : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Per FCRA Section 605B ( a ), Credit Reporting Agencies must remove any items resulting from identity theft within XXXX business days of receiving the report.
Product: Credit card or prepaid card

I had missed a payment or two last year for this credit card. I had fully paid off the credit card in XXXX and it has a XXXX balance. The card is also closed there is no interest anymore. I had received late strikes in my credit for my this. I had disputed this several times and nothing has come out of it. I have noticed yet again that this company is still reporting it as late when its closed and is paid off. I want this company to stop reporting it and leave it. Since XXXX of 2022, I have been sending letters and even emails. Only one letter was responded too, never one email was ever responded too.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, these creditors and credit reporting agencies have violated my rights. 

-- XXXX XXXX XXXX XXXX XXXX  # XXXX -- XXXX XXXX XXXX # XXXX -- XXXX XXXX XXXX # XXXX XXXX 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

company didn't send me the information i ask for but did get XXXX to note on my account that it is confirmed and verified. How could that be when the account doesn't have any payment history, no open date, no terms of original contract, no DISPUTE history noted yet it was confirmed as accurate by the credit agency XXXX. The agency 's name : Midland Credit management, Actt # XXXX, amount : XXXX. This collector didn't care enougt to give me the information i ask for but passed me by and reported it on my credit report as accurate and justified as complete and accurate. Never mind all the missing informatoin. This has seriously hurt me and my families credit worthiness. Iam retired XXXXyrs old military man and in need of your help with this issue.please have them correct this inaccurate and incomplete account or Delete it from my account. thanks, XXXX XXXX XXXX
Product: Credit card

I am submitting this dispute by myself, and I am writing to follow up on the dispute letter I submitted on XX/XX/XXXX. 
I am writing to formally dispute an unauthorized inquiry that appears on my credit report. Upon reviewing my credit report, I noticed an inquiry that I did not authorize or recognize. 
Details of the unauthorized inquiry are as follows : Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX IXXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX
Product: Student loan

FedLoan Servicing is absolutely ridiculous. NO HELP is ever provided, the customer service reps talk in circles and give inaccurate information. When trying to actually resolve my issues, I can never get a straight answer out of these people. Since dealing with these people, I have literally called at least 25 different times and I always get the " run around ''. Each time I have called, it always says, " this conversation may be recorded ''. Check my recorded phone calls! Since 2016, I have made ON TIME payments and they are saying only a small portion of the payments I have made actually qualify under the 120 payments for the Public Service Loan Forgiveness. I know I have made at least 36 payments and they are saying only 18 of those payments " qualify '' and they can't give me an answer as to why only a portion qualifies. Over the years, FedLoan Servicing has put my account in Forbearance at least 6 times without explanation or my approval. I told them to keep my account out of forbearance and they keep doing it. I also kept making my monthly payments, on time while they put my account in forbearance. Each time, my account was in forbearance it took an act of God to get them to take the forbearance off my account. I have filed a complaint with the Department of Education about Fedloan Servicing and all they did was send my complaint to FedLoan to deal with, which isn't right! It took over a month for XXXX with Fedloan to even contact me about my complaint and then my complaint was not resolved. I contacted XXXX again telling him I wasn't satisfied with my " results '' and never heard back from him or ANYONE in Fedloan Servicing. I have documentation and emails. And recently, they doubled my monthly payment without contacting me or providing explanation for doubling my payment, which I can't afford. Fedloan Servicing is the absolute worst loan company to deal with. Their customer service is terrible and they can't resolve any issues for you. Please look into this company and I would like to speak to someone about my issues!! Should I hire a lawyer??
Product: Checking or savings account

Hi i was suppose to receive a XXXX $ bonus for setting up direct deposit and doing at least 3 consecutive monthly direct deposits of {$500.00} or more within 150 days of account opening, it was suppose to come within 45 day but I still haven't received it can you help me with this please? Thanks. 

It was an online offer here is the link - XXXX XXXX XXXXXXXX These were the terms Here 's how to qualify for your {$200.00} bonus : 1. Open an Everyday Checking account online ( from this webpage only ) by XX/XX/2018. 

2. Make a minimum opening deposit of {$25.00} to fund your account.

3. Set up Direct Deposit and receive at least 3 consecutive monthly direct deposits of {$500.00} into your new account within 150 days. 

We will deposit the {$200.00} checking bonus into your new consumer checking account within 45 days after eligibility and qualifications have been met.
Product: Debt collection

Dear Sir or Madam : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that SYNOUSBK/XXXX  absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. [ Consumers should redact information that is unrelated to the dispute with this company. ] Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 
The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.
Product: Credit reporting or other personal consumer reports

Credit karma XXXX Acct # XXXX XXXX XXXX lending Actt # XXXX  I took cook at my credit report under the accounts and noticed unacceptable unauthorized accounts listed above these companies are in Violation of The Fair Credit Reporting Act ( FCRA ), which is governed by 15 U.S.C. 1681 et seq., aims to promote the accuracy, fairness, and privacy of personal information collected by credit reporting agencies ( CRAs ). The FCRA also requires CRAs to adopt reasonable procedures for meeting the needs of commerce while respecting the consumer 's right to privacy.
Product: Debt collection

The company has called numerous times between the hours of XXXX everyday including Saturdays and Sundays. They also call after XXXX. The amount of calls they in one day has become so overwhelming my mental health has taken such a toll with this ordeal
Product: Debt collection

This entire experience has been overwhelming and frustrating. Out of nowhere, a debt I have no knowledge of appears on my credit reportunverified and completely unrelated to me. Since then, Ive been harassed through various channels, receiving relentless calls and messages, even threats of legal action. Its unsettling and deeply insulting as someone who has always maintained good financial standing and respects the law. This issue has taken XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My rights as a consumer are being blatantly ignored, and this situation is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my TransUnion credit report and a CLOSED XXXX XXXX credit card account is reporting along with my OPEN XXXX 's credit card account. This caused my scores to drop nearly XXXX points. I have attached a screenshot of the reporting. Per the provisions of the Fair Credit Reporting Act, reporting of open, active accounts must be 100 % accurate and any investigation request must be completed within 30 days.
Product: Vehicle loan or lease

My autoloan was set up on XXXX. Before applying for the loan, I ensured that this company allowed for any extra payments above the invoiced amount to be applied to the principal on the loan. 

Call XXXX XX/XX/XXXX I called on XXXX before my first payment to confirm that any payments I made above the invoiced amount would be applied to the principal. On this first phone call, I was promised that the account would 'coded ' to do this and would automatically do this on any future payments. 

Call XXXX XX/XX/XXXX After making several payments, I noticed that my extra payments were not being applied correctly. The first payment I made on XXXX was applied correctly, but the following payments on XXXX and XXXX were not. I called and asked if my account was 'coded ' to allow extra payments to go to the principal. I was told it was not. I requested that this be fixed and retroactively applied to the incorrect payments on XXXX and XXXX. I was told these would be fixed and reflected on my account in 2-3 days and any future payments would also be applied correctly. I was advised to wait 1 week, then call again if there continued to be an issue. 

Call 3 XX/XX/XXXX After checking my payment history daily for a week, there was no change. I called again and explained the problem. The representative noted that the request I had made on XX/XX/XXXX was still pending. They submitted another one and I was assured, again that it would be fixed in 2-3 days and reflected on my account. 

Call 4 XX/XX/XXXX After no changes were shown on my account again, I called for a fourth time and asked to speak to a manager. My case was not escalated at this time and I continued to speak to the same representative. They put me on hold for a little while and investigated what the issue was. I did not receive any explanation at this time as to what the problem was but was assured ( for a fourth time ) that all of my payments would be fixed. I asked for confirmation of this and was told that their support would reach back out to me when the issue was resolved. 

Current date XXXX : Their support has not made any attempt to reach back out to me via email or phone call. A few days after the XX/XX/XXXX call, the payment I had made on XXXX was corrected so that it was applied to the principal. However, the payment I made on XXXX still has not been fixed. In addition, I made my next monthly payment on XXXX. This was processed this morning and the extra payment that I made did not go to the principal. 

I have included screenshots of my current payment history as well as the call logs with their support line.
Product: Debt collection

I have a business credit card and personal bank account with Bank of America. I have a family business that is in the U.S and  XXXX. The business card is in the name of XXXX XXXX and is called XXXX XXXX XXXX XXXX XXXX XXXX. I called Bank of America and explained that he business was having problems and that is why we were a few months behind on payments on the business credit card. I called on XX/XX/2019 and made the minimum payment of {$100.00} that was told to me to pay and Bank of America accepted it. I noticed today XX/XX/2019 that {$750.00} was taken from my personal checking account and transferred to make a payment to the Business Banking Credit Card. I called Bank of America, and they stated they have the right to collect a debt and can take from any other account that I have with Bank of America be it business or personal. I asked for the funds to be transferred back from the card to my checking account, given I did not receive a call or mail notification that this would happen and that I made a payment the prior month and it was accepted over the phone with an agent and the fact that this could happen was not brought to my attention. In doing this I am now facing a hardship as the amount taken was not expected. I asked if paying the minimum payment that was provided on the phone would be okay and that I can do it in XX/XX/XXXXand I was told this would be okay, and then Bank of America took out {$750.00}. I need these funds back in my checking account. I was not aware when I set this account up and it was not explained to me that a business account and business credit card could be tied to personal accounts, I was told they are separate and as you can not conduct business from your personal checking account, personal and business checking accounts and accounts in general are totally separate. If that is the case, why did Bank of America without my permission transfer funds from my personal checking account to pay current the business credit card? Bank of America was unwilling to work with me and I need help at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was alerted that my Social Security number and Private Information PPI were being used on the " dark web ''. I contacted XXXX, XXXX and Experian and noticed several unauthorized inquiries on my file reports. When I attempted to dispute these HARD INQUIRIES with the three companies, they stated I need to file a police report. I do not want to waste our tax dollars on reporting to the POLICE when the resources are needed for actual human life emergencies. Therefore, I am submitting my complaint to CFPB to investigate per the 15 U.S. Code 1679c and other statutes. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX. 
XX/XX/XXXX
Product: Credit card or prepaid card

Citi keeps charging late fees and refused to send bills explaining their charges. Their customer service reps claim to waive fees and send bills, but do not. 

Very unfair to charge fees but not send a bill, and then keep charging late fees. Advise other consumer to avoid all Citi bank credit cards.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX I have some inaccurate names and addresses on my credit report that I need remove they are not accurate. My full name and only name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX OH, XXXX. Please delete any other variation of my name and address that is different from the above. 
Please delete the following names : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. 
Please delete the following addresses : XXXX XXXXXXXX XXXX  XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX, XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Report Number : XXXX Date Generated : XX/XX/2023 Collection Company : CONSUMER ADJUSTMENT CO Amount Owed : {$350.00} I am not liable for this debt with XXXX XXXX XXXX I do not have a contract with Consumer Adjustment CO. Neither XXXX nor Consumer Adjustment Co has provided me with the original contract as I requested.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> Experian received my letter disputing negative and inaccurate information on my consumer report regarding to an account Ive had with creditor XXXX XXXX XXXX, account number XXXX. I requested proof from Experian that I was mailed or delivered statements and disclosures required by FCRA that were not later than 21 days before the payment due date with a tracking number from XXXX XXXX XXXX. Experian did not provide me with that information I requested.

15 USC 1681 ( e ) ( b ) Accuracy of Report- whenever a consumer reporting agencies prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning individual about whom the reports relates.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : Creditor/Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$510.00} Date of Account : XX/XX/XXXX Creditor/Collection Agency Name : XXXX XXXX  Account XXXX Amount : {$2000.00} Date of XXXX Creditor/Collection Agency Name : XXXX Account Number : XXXX Amount : {$2300.00} Date of Account : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This individual follows me quite a bit and is a cyber bully. I recently received information that he is contact with an employer of two years who put me on a " don't hire '' list. This has impacted my credit history.
Product: Credit reporting

I have lost over XXXX employment opportunities because of Equifax reporting inaccurate/unverified information on my personal credit file. There erroneous reporting of account XXXX for the last few years I have been denied credit over and over again affecting my everyday life tremendously in a very negative manner. I have a family to support and because of this I am unable to obtain credit in areas to improve our life. 
I have contacted Equifax over 20 times regarding this and they rudely discard and ignore not doing anything. Please help, do something about these XXXX. - XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX. 
Illegal collection Activity through US Mail Repeated collections letters Debt is over 18 years old.
Product: Debt collection

On XXXX/XXXX/2015 I received a call from XXXX in which this message was left. Hello my name is XXXX I am trying to contact XXXX XXXX to get a message to XXXX XXXX ( inaudable ). XXXX XXXX you were placed as a person of reference by XXXX XXXX ( inaudable ) and I would like you to call me back at XXXX at extension XXXX again my name is XXXX. No mention of the company however I later found out it was GM Financial. I believe the laws protect me from no more than XXXX phone call as a third party and that debt collectors are not allowed to leave messages with a third party asking them to contact them?
Product: Checking or savings account

XXXX I go into a bmo bank branch in XXXX California and request for a withdrawal for {$9000.00}. Was told to hold for verification then they placed a fraud on my account. Closed my account on XXXX they allowed me to have my account unlocked to take out {$3000.00} then refroze immediately following the transaction. Was told I would be receiving a cashiers check for the amount in my account at closing which was the sum of {$20000.00} at time of closing. This was from a wire transfer from my XXXX account one for {$15000.00} and another for {$11000.00}. Said that the wire was sent back to XXXX on the XXXX yet XXXX closed my account on XXXX after advocating for me to get my XXXX back from bmo. They sent hold harmless letter XXXX and wire recalls to no avail, yet bmo claims the money was sent back both accounts are now closed XXXX balance in bmo. Was told to get tracking number for the wire transfer from XXXX into bmo which makes no sense to me but I got them, but when I t4ied to give them to bmo they played coy like they were oblivious to the request they made.
Product: Vehicle loan or lease

I paid the car off XX/XX/XXXX. Exeter finance is refusing to release notice that the car is paid off to the XXXX until the end of XXXX holding me up to getting the tittle until XXXX