23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Bank of America Charge me 3 times XXXX OVERDRAFT ITEM FEE FOR ACTIVITY OF XX/XX/XXXX ELECTRONIC TRANSACTION POSTING. Activity they said I done it, and they are right but their online web side redirect my transaction from my external bank " XXXX XXXX '' to Bank of America checking account, account with no available money and charging me. Transaction I done many times with out problem. Something was happening ... XXXX XXXX " phone support '' help me fix the problem, telling me she experience the same problem before with her personal account, then she asked me to logout and fixed the problem, then asking me to login again. Then Manager XXXX XXXX said, nothing can be done with OVERDRAFT ITEM FEE, it was my fault for not fixing the problem before, when the first incident happens. I try to explain to XXXX several times and she tried to explain to again to XXXX XXXX her supervisor. indeed I when to local bank and ask for help, they forgive XXXX fee and not the other XXXX and they never inform me about the real problem and how to fix the problem or even contact online banking, until the XXXX time, they even shared the online banking phone number with me. Feeling sad and very disappointment with Bank of America.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX + {$910.00} Closed MERRICK BANK Reported : XXXX XXXX, XXXX + {$1000.00} Closed XXXX/XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX {$0.00} Closed XXXX XXXX XXXX XXXX Reported XXXX XXXX XXXX, XXXX - {$3900.00} Needs Attention I never opened these accounts, I've reached out to these creditors several times explaining someone opened these fraudulently. I've asked them to remove these
Product: Credit reporting, credit repair services, or other personal consumer reports

Automobile Insurance Claims that were originally filed in error by an inexperienced Claims Adjuster, then withdrawn are not being removed from my C.L.U.E Auto Report by XXXX and LexisNexis. I have attached letters from XXXX stating that the claims will not be filed and are withdrawn. Therefore the minor damages reported by me to XXXX are for " reporting purposes only ''. XXXX has and will not expend revenue in any means whatsoever on these particular claims that are now " closed ''. As you know, this erroneous reporting by the aforementioned companies can seriously affect my renewal and/ or renewal rates. Initially, I filed a dispute with XXXX and after ordering my XXXX XXXX Auto report for a second time found that only one or two of the attached claims were indeed removed. I filed a dispute with LexisNexisXXXX XXXX, waited three weeks and received the same report with no changes. Immediately I called XXXX and the person who generated the letters told me I needed to contact the Service Department. I called the XXXX Service Department over the XXXX XXXX XXXX weekend and she told me she had no way to access the letters and she transferred me to the Claims Department. The lady in the Claims Department instructed me to contact the person who generated the letters because she could do nothing for me. I called the person ( XXXX XXXX ), who generated the letters of Claim Withdrawal and she stated that she would inform the Underwriting Department at XXXX to remove the remaining three claims. I checked my XXXX XXXX Auto report this morning and nothing has been done about this issue. Also, LexisNexis has a bad policy of reporting 'Possible Related Claims '' ( PRC ), on most XXXX XXXX XXXX XXXX by geographically matching someone 's Surname to other claims. I am a XXXX person over XXXX with a XXXX child in another state. I have spent the last six weeks trying to get my report corrected. In that time period LexisNexis has reported other claims on my XXXX . Auto Report of people I do n't even know. There is a lot of other people 's personal information on these claims that show up on another 's report. As a prior victim of Identity Theft I believe this practice is dangerous for any consumer. When they engage in this misleading business tactic they never inform or ask the actual person affected if these people are related to, or on their policy. Please help me to resolve these issues. You have helped me in the past and the CFPB does great work. Thank You!
Product: Mortgage

I received a Loan Forbearance from my loan servicer Wells Fargo Bank starting on XXXXMy Forbearance lasted 12 months due to my lack of income during the peak of the Covid Shutdown cause my work wasn't deemed essential. I was told by Wells Fargo Bank these missed payments would be added to the end of my loan. Upon calling Wells Fargo Bank after the 12-month Forbearance to resume making my regular monthly payments I was told they needed new Financials and if I couldn't pay the {$54000.00} in full I would have to do a loan modification. I've done ( 4 ) loan modifications since my 12- month Forbearance expired and they have all been turned down with no explanation. I've been sent Foreclosure Letters and Sales dates during ( 2 ) different modifications. I've contacted XXXX, XXXX XXXX XXXX AND XXXX XXXX XXXX and paid for legal advice and help because of predatory lending practices from Wells Fargo Bank. Even to this date they are contacting me about help/ work out options just to string me along to Foreclosure on my house. It has become increasingly clear they have no intentions of modifying my loan, they just want to Foreclosure on my house. Attached is ( XXXX ) years of correspondence between me and Wells Fargo Bank and there Predatory lending practices.
Product: Student loan

In the last three months, my private student loan servicer, AES, has locked me out of my online account. Whether or not I am up to date on my payments, I have a legal right to access information pertaining to my debt. AES is violating my right to access my information online and has not honored the online account management services.
Product: Credit reporting or other personal consumer reports

15 USC 1681 Permissible Purpose Their should only be one Address on my report which is XXXX XXXX XXXX, XXXX Tx XXXX. 

This is an Non-Mailable address that needs to be removed : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Tx XXXX. 

The only employment should be : XXXX XXXX XXXX XXXX, so delete XXXX.
Product: Credit reporting or other personal consumer reports

I have disputed these fraudulent inquiries multiple times with Transunion and they kept ignoring my request. So, I'm filing a complaint against their company as they are not taking my credit seriously and this is affecting my credit worthiness. Again, recently I reviewed my credit report and noticed several unauthorized inquiries. Please remove these immediately as they do not belong on my report, and they are affecting my quality of life. I am being denied because of these excessive UNAUTHORIZED inquiries and they need to be removed immediately! 

See attachment
Product: Credit reporting or other personal consumer reports

I requested on several occasions debt validation for this account. What has been sent is not debt validation and unless I can be provided with a legal document that shows where I agreed to pay this amount, as a consumer, I have the right to demand that this be removed from my credit report immediately. 

A billing ledger does not assign a debt to me and the company has neglected to include proof that they have legal authority to collect the alleged debt. 

I've also been sent numerous copies of the same letter stating they feel their investigation is complete, however i've only been provided with billing ledgers.
Product: Debt collection

The original debt is from the City of XXXX and it was sent to collections company by the name of XXXX XXXX XXXX. the original bill is dated XX/XX/18. This is a bill that should be covered by XXXX XXXX as that was my insurance carrier at that time. the company refused to send the bill to XXXX so sent it to collections and it is now a ding on my credit report. I called XXXX a few times with the XXXX information and they refuse to send the bill to XXXX. I believe it is unlawful to bill a person covered by XXXX. I sent the City of XXXX and XXXX a copy of my insurance card and they refuse to process the billing. The amount is {$1900.00}. The bill from the City of XXXX has an address : States Recovery Systems, XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, CA XXXX XXXX Thank you for your help
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section XXXX part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. This Account is in violation of 15 U.S. code 1681A ( 4 ) for consumer right to privacy.This bankruptcy shouldn't be on my credit/consumer report. 
XXXX XXXX BANKRUPTCY Case Number : XXXX Delete this account. 


2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX  Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax is has taken more than 30 days and has not finished with my credit dispute they have not removed the XXXX XXXXXXXX XXXX XXXX credit card i disputed or the XXXX auto loan i disputed or the XXXX XXXX card i disputed it has been almost 60 days and they are still listed as in dispute please make them remove them as it has been more than 30 days in dispute
Product: Student loan

In XX/XX/XXXX, the company processing my federal student loans changed from ACS Education to Conduent to  now, XXXX. I've been trying to log in to ACS/Conduent 's website to retrieve my XXXX   information for the year XX/XX/XXXX ( student loan interest paid ). The website does not allow me to login and retrieve this info ( I get told I will be sent an email with a verification code to access my account, but these emails never arrive, not even to my spam folder ). When I call their customer service number, I am unable to retrieve this info either through their automated system, or even speaking with a live operator. I just get routed to a series automated messages with the final one hanging up on me.

XXXX   does not have this interest info accessible on their website ( presumably because my first payment to them was inXX/XX/XXXX ).

Please help, as I need that XXXX info for my taxes. Thanks! XXXX XXXX
Product: Credit card

I have three active Apple installment agreements, whose balances total {$510.00} at this time. These Apple installment agreements are always paid in full and on time.

My card balance for purchases outside of these installment agreements are also paid in full and to a {$0.00} balance multiple times per month. 

On XX/XX/XXXX, I made a purchase for a medical bill in the amount of {$1400.00}. Afterwards, my balance was paid to {$0.00}. This medical bill payment was refunded in full on XX/XX/XXXX, resulting in a credit balance. I requested a refund of the credit balance on my card and that was processed on XX/XX/XXXX, but I was only refunded for the amount of the resulting credit balance LESS the {$510.00} outstanding on my Apple installment agreements. 

These installment agreements have nothing to do with the transaction, nor do they have anything to do with the merchant refund. I was informed by multiple agents that the XXXX would be held due to the installment agreements, even though the terms of the agreements have not been breached nor are they actively being closed- the money would just be held as the remaining payments become due. 

I consider this to be theft and predatory. This is not a secured credit card, I've never carried a balance and every installment agreement has been paid satisfactorily. There is no legitimate reason for the {$510.00} to not be refunded back to me.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX XXXX XXXX Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6600.00}
Product: Mortgage

I had septic tank back up on XX/XX/2021. Which water was backing up through my bathtub and toilet. Which caused flooding in both my bathrooms hall way living room closet and all the carpets in my house. My insurance company after 4 months has issued me a check in the amount of {$13000.00} for the repairs, This one employee told me to over night them the check and they would sign it and mail it back for me to begin the repairs. But I'm having trouble with this one women in the loss department of Carrington. They are trying to make me have a nervous break down by fighting me not to mail back the check. She refuses to answer the phone and call me back. She is very nasty toward me and is being very unfair towards me. They want to keep the money for themselves and do what they please. It's my insurance money that I pay to my insurance through my mortgage payments. There is no true justice for us consumers never really has. I informed them when the problem first happen. Everybody is just trying to make me have a nervous break down.
Product: Debt collection

Collection put on credit report listing XXXX. XXXX has no record of bill. I do not use XXXX.
Product: Mortgage

My wife and I finalized our cash out refinance of our home on XX/XX/2022. We had done much work on our house and were able to refinance at a much lower interest rate and were also able to get a 15 year mortgage rather than the 30 year that we had previously. Both the original mortgage and the refi were through Alliant Credit Union. We, up until now, had been extremely satisfied with them as a loan servicer. We were able to stop renting and also bought a new car through them. 

Our new mortgage amount was supposed to be automatically deducted from our checking account as of XX/XX/XXXX, and every future payment would be on the XXXX of each month. The XX/XX/XXXX payment still has not been deducted. When I log into their mortgage payment website, the information that is displayed is our old mortgage information. We can not pay our new mortgage amount. 

On XX/XX/XXXX I contacted the person who I dealt with at Alliant for the refinance and she said she would communicate with the relevant dept. A week later I had still heard nothing so I contacted another loan officer who we had worked with in the past. He too said that he would contact the relevant dept and copied my on the email chain. As of today we have still heard nothing from Alliant.

Prior to sending this complain I emailed and text them again to see if I could get an update. One replied that the loan was being handled by a 'sub-servicer ' and that I would need to contact them. So, before I contact them, I want to open a file as this can not be an acceptable way to handle a mortgage. If we hadn't paid our first payment, then they would surely report us to the credit bureaus ... but if they do not properly handle our payments there must be some penalty for them.
Product: Payday loan, title loan, personal loan, or advance loan

on XX/XX/2023 I notice an amount of {$180.00} coming out of my XXXX  XXXX XXXX checking account when I looked into this it said that explorer credit was charging my account deducting {$180.00} for the past three months since XX/XX/2023 they claimed that I applied for a payday loan totaling {$500.00}. I told my bank that I attempted to contact his company and to report this as a fraudulent transaction. They proceeded to charge me knowing that this was fraudulent so I had my bank shut down my account refund the {$500.00} that they claim they deposited and dispute my charges. However, this company has been reporting this on my credit as a default payment I have no need to receive a {$500.00} payday loan. I havent been working for two years. My husband has his own business and I am financially stable. There was no need for a loan of this type for such small amount of money I have contacted this company over a dozen times, including legal advice, and they still have not stopped harassing me and attempting to collect money from me. I would like to report this company as a fraudulently operating company they claim that theyre US-based XXXX but their call centers are in XXXX. I am unable to get a hold of anyone in the United States. I have contacted this company over a dozen times, including legal advice, and they still have not stopped harassing me and attempting to collect money from me. I would like to report this company as a fraudulent Lee operating company they claim that there are US-based, but their call centers are in XXXX. I am unable to get a hold of anyone in the United States, there are over 900 reviews of this company. They have a one out of five star rating, and hundreds of people are claiming them to be fraudulently operated. Please contact me if you need any more information to proceed with this complaint. My number is XXXX. My name is XXXX XXXX. Thank you.
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. 
In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX account # XXXX ) has violated my rights. 
In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX  XXXX account # XXXX ) has violated my rights. 
In accordance with the Fair Credit Reporting act ( XXXX XXXX account # XXXX ) has violated my rights. 
In accordance with the Fair Credit Reporting act ( XXXX account # XXXX ) has violated my rights. 
In accordance with the Fair Credit Reporting act ( XXXX  XXXX XXXX  account # XXXX ) has violated my rights. 
In accordance with the Fair Credit Reporting act ( XXXX XXXXXXXX XXXX account # XXXX ) has violated my rights. 
In accordance with the Fair Credit Reporting act ( XXXX XXXXXXXX XXXX account # XXXX ) has violated my rights. 
In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXXXXXX account # XXXX ) has violated my rights. 



In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX has violated my rights
Product: Mortgage

I have tried for months to have my interest rate reduced with XXXX I never stated that I was behind with payments I am requesting a reduced interest rate which is XXXX percent why can it nit be reduced to 5 % or lower I pay my mortgage on time requesting a reduction with this outrages rate how can companies get away with this I would like an answer to why it can be reduced
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

Sent General Revenue Corporation a request validation of alleged debt they reported on my credit report on XX/XX/2021 tracking shows they received my request on XX/XX/2021 it is now XX/XX/2021 30 days after them receiving my request and I have not received a reply from General Revenue Corporation validating this alleged debt.
Product: Mortgage

I brought my home with an FHA loan in XX/XX/2016. My taxes are supposed to be paid through my escrow account. I have made all required mortgage payments and was never delinquent. It turns out the mortgage company was paying taxes to an incorrect parcel number for this entire time. The correct county never received any tax payments because the parcel number that was being paid was in a different county. The mortgage company is now demanding that I pay the delinquent taxes and all the fees. I don't feel I should be liable for this since I was making all the required payments and I was told that my taxes were payed through escrow. The escrow company has tripled my mortgage payments to recover the $ XXXX that was delinquent. I can not pay this and I am afraid they will take my home. If nothing else they should try to work with me to resolve this in a reasonable way instead of increasing my mortgage payments to such an unreasonable amount. from XXXX to now XXXX This doesn't seem fair and cant be right. Please help