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

On XX/XX/2017, I took my car to ( XXXX ) XXXX XXXX XXXX to service my car for family vacation. The repair was not done correctly and my family and I was stranded 11 hours away from home. I paid another repair shop where we were stranded to address the botched repair and filed a claim with my bank, ( BOA ) Bank of America, to get my funds back from the original repair shop. I sent the original documents pertaining to the repairS to Bank of America for their review of my claim via express mail with tracking. After repeated phone calls for over a month to follow the status of my claim, BOA claims they never received the documents from me and that they needed to be resubmitted for consideration. I then faxed the documents over and tracked my original documents, only to find out that they were received and lost by BOA. BOA then sided with XXXX and retrieved the credited funds from my account, placing it in the negative. BOA stated that I could not appeal because I was out of time and that I would have to resolve the financial matter on my own with XXXX. BOA would not allow me to close any of my accounts and they have taken approximately {$3800.00} from my accounts to recoup fees and the negative balance. BOA stated that if I could prove XXXX 's negligence via financial compensation, they would waive all fees and credit my account with the {$3800.00}. I retained a lawyer to deal with XXXX and they reimbursed me for the botched repair at the end of XX/XX/XXXX. I sent the letter attached with the check to BOA AND deposited the check in my BOA account as proof of XXXX 's negligence and BOA refuses to credit my funds to my accounts. I WANT MY MONEY!!!
Product: Mortgage

I received a letter dated XX/XX/XXXX in which it stated that I may have had a lapse in coverage on my home from XX/XX/XXXX XX/XX/XXXX and my account may be charged {$4500.00} for force placed insurance. 

I called PHH Mortgage XX/XX/XXXX and spoke to XXXX department and I inquired as to why if there was a lapse in coverage I was not informed until XX/XX/XXXX. XXXX was that it was not noticed by Mortgage Company until XX/XX/XXXX that there was no coverage therefore, they had to place insurance on my account. So, let me get this right you notice in XX/XX/XXXX that there is no coverage, notify me in XX/XX/XXXX and want to charge my escrow account a year later? If mortgage company not informed, then how was I to have knowledge of the laspe in coverage and now have charged my escrow account {$4500.00} which made me negative {$2500.00} in escrow which in turn will make my mortgage increase over {$200.00} a month. 

How can I be charged by the company for coverage when I never received the 45 day notice of force placed insurance prior to the charges. If they were to charge me for XX/XX/XXXX I should have been notified by law prior to the coverage date. They are attempting to charge me after the fact. 

I was on the phone for an hour and issue was not resolved, I was just apologized to and said that was all they could do, they had to put insurance on it.
Product: Student loan

While preparing for pre-mobilization to XXXX I was alerted that my student loans were passed due. I contacted Great Lakes on XX/XX/XXXX and informed them that I was leaving for XXXX in a week and that I needed to defer my student loan payments. I was told that I needed to mail a hard copy of my military orders to a XXXX XXXX along with my account number in order to defer my payments and it would be of no issue. I mailed a copy of my orders once I hit XXXX and assumed all was fine. I received no other communications regarding the issue after my original conversation. Upon checking my credit score I noticed my student loans had gone into default and were sent to a collection agency. I tried making contact with Great Lakes and the referred me to XXXX Consumer Services. The latter did not have any information for me and informed me on XX/XX/XXXX that my account had been forwarded to XXXX XXXX XXXX, XXXX. I have not been able to get any information on how to remedy my student loans being defaulted while I am receiving hostile fire pay since I am XXXX in XXXX and I know that I am protected under USSERA to avoid these things.
Product: Debt collection

Vance and Huffman LLC recently placed a collection on my account. I contacted them to find out what the debt was and why it was on my credit report. I had never heard of this company and had never received any form of communication from them. I was told by this company that they did not have to send me any information and that its a courtesy and they had legal rights to place the information on my credit report even if I was not aware of it. This company has not provided me with any information concerning any debt.
Product: Mortgage

On XX/XX/22, XXXX XXXX of Lennar Mortgage provided me with a quote for a loan, indicating the property in question, a condo development, XXXX XXXX, located in XXXX, VA, qualified for XXXX loan program. XXXX XXXX is a development built by Lennar Homes. Lennar Mortgage and Lennar homes are both part of the same parent company, Lennar. 

Relying on the quote from XXXX XXXX that such property qualified for XXXX loan programs, separate quotes were obtained from outside lenders. 

During the closing process, it was discovered the condo project in question only had 44 % of the units conveyed to owners or under contract. This requirement meant the project did not qualify for XXXX loan programs. As part of the same company, XXXX XXXX would have known the occupancy and under contract rates of their own development. 

It is my contention that Lennar Mortgage, in combination with its sister company, Lennar Homes, is participating in deceptive lending practices. Specifically, a bait and switch scheme that would leave potential buyers scrambling for financing after being under contract when such XXXX loan programs can not be utilized.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX pulled my credit report three times in XXXX of 2021, and I only applied once.
Product: Credit reporting, credit repair services, or other personal consumer reports

My chapter XXXX bankruptcy has been closed and transunion is still showing as filling status. The Reference # XXXX. I tried contacting and disputing it with transunion and i was unable to fix the problem.
Product: Credit reporting or other personal consumer reports

I got a letter from XXXX  dated XX/XX/year> regarding 4 loans I have never taken out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorized an inquiry from credit technology, id theft report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I did a balance transfer from another card a year ago to Discover Card at 0 % interest for a year. I have been paying on it for a year plus have had other charges on the account. I have paid more than the minimum amount so that my transfer balance would go down. This month I paid the usual {$170.00} I paid each month plus {$400.00} to cover the {$390.00} left on the transfer. Payment was not applied to the balance transfer. Instead they tell me they only apply the minimum payment to the balance transfer and the rest goes to the regular amount owed. Now I have to pay interest on this balance transfer amount for the year which defeats the purpose of the transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX canceled a credit card I've had opened with them for over 10 years because of an issue of my social security number.The account was a business card in the name of XXXX XXXX XXXX XXXX XXXX last four digits # XXXX the card had a Credit Line {$5700.00}. 
They closed the account because they kept asking for a Federal Taxpayer number. I told them many times that I used my personal social security number on the original application. this account was opened as sole proprietors account. 
Capital one allows a customer to use '' Your Business Employer Identification Number ( EIN ) or Social Security Number ( SSN ) for Sole Proprietors-Your Personal Social Security Number '' I used my social number for this credit card account. They refused to accept this and when I write them it takes them 90 days to respond. They have hurt my credit score by closing this account.
Product: Credit card or prepaid card

I recently reviewed a copy of my credit report from XXXX, XXXX and XXXX and noticed that I was reported as being late on this account which has caused severe damage to my credit score. After doing some research and coming across the Fair Credit Reporting Act, I see that I am allowed to dispute any and all late payment history being reported if I feel it is inaccurate or incorrect. 

I was affected by XXXX. Per the amendment of the FCRA with the CARES Act passed by Congress in XX/XX/2020, any late payments need to be removed from my credit report and updated as paid on time with zero lates that were reported since XX/XX/2020. 

I already disputed this with the credit bureaus directly and they verified it as being accurate. I am not sure how this happened, I believe that I had made my payments to you on time when I received my statements. 

Therefore, I would ask that you please conduct a reasonable investigation on the inaccurate negative information being reported on my credit for any errors or mistakes on your end.
Product: Credit card

Discover started off as a good credit card but the company started charging outrageous interest rates. More than what I had been charging on the card. I pay the payments faithfully but the interest is extremely high and I can never get the balance down. It's nearly double what it should be. So I find myself paying nearly 3x over to get the balance down. I've frozen my account to stop any unnecessary usage and the interest rate is still high. My limit was also cut and I have no history of late payments according to the customer agent I spoke with. Therefore I feel I've been discrimated against based on my financial demographics and location although I have no late payments with this company.
Product: Credit card or prepaid card

This concerns an unsecured personal loan ( disguised as a credit card ) with 10 year term, only for use with XXXX XXXX XXXX or other companies in that business ). The card is with GreenSky, and called a Program Loan Account. The issue I have is with GreenSky, NOT XXXX.

At the beginning of the loan term, I made an extra payment. This payment has never been credited to my account. I called within the first year, was asked " how many payments do you show making? ". I replied " fourteen '' The company representative replied " that's how many we show ''. Now in XX/XX/2018, 2.5 years later, I tried again by calling the customer service line, one day during the week of XX/XX/XXXX to XX/XX/XXXX. The representative said she would have someone call me within 48 hours regarding the issue. Finally on Monday XX/XX/XXXX, I received an email, not a phone call, from Customer Solutions. On XX/XX/XXXX, I called the listed phone number, it required an extension. I replied to the email that this information was missing. The representative, XXXX XXXX, gave me her extension, which I called right away. She did not answer, nor return my phone call. 

I called again this afternoon, spoke to another representative, XXXX. She had no grasp of the issue I had just kept repeating the balance shown on my account, though I explained that my issue is that the statement balance is incorrect. She offered just to send me a transaction history list. 

The bottom line is, this company shows on their statements that I owe {$100.00} more than I do ( I keep records in XXXX of all payments of principal and interest ). Trying to resolve this is fruitless and their customer service is no help and poorly trained.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am a victim of IDENTITY THEFT. Please remove charges on XXXX XXXX acc XXXX and XXXX new checking account in the amount of XXXX. Remove unauthorized hard inquiries from XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and all XXXX XXXX of XXXX, XXXX, and XXXX LOANS . Remove email XXXX, and XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX as previous addresses. Remove XXXX XXXX XXXX previous employment and XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX as previous phone numbers. Immediately remove and permanently delete all above fraudulent and/or inaccurate data listed above from my report and respond in writing confirming deletions.
Product: Debt collection

this company has not provided proper debt validation. response was sent to company in XXXX ( attached ) and nothing was provided back. initially there is no documentation provided even telling me this debt was owed.
Product: Credit card or prepaid card

A few years ago someone used my identity and opened a college/student account. I have been out of college for almost twenty years now. So, whenever I apply for a card with Discover I am getting denied.

See below.

XXXX Dear XXXX XXXX XXXX XXXX, Thanks for your interest in Discover. Unfortunately, at this time we are not able to approve your application for a Discover it Chrome Secured credit card due to the following : STATUS OF EXISTING / PRIOR DISCOVER CARD ACCOUNT Although we are not able to approve your application, you can find helpful financial tips, easily keep track of your FICO Credit Score for free, and learn more about what affects your credit at Discover.com/Credit-Scorecard.

Sincerely, Discover Credit Operations Team XXXX This is unfair given that I have never had Discover card before. I think that I am being treated unfair and the new account should be approved.
Product: Credit reporting or other personal consumer reports

Subject : Notice of Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Florida Laws Dear XXXX, EQUIFAX, XXXX, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), along with pertinent Florida laws governing identity theft and fraud, specifically Florida Statutes Sections 817.568 and 817.5685.

It has unequivocally come to my attention that XXXX, EQUIFAX, XXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Florida state law, particularly Florida Statutes Section 817.568, emphasizes the necessity of consumer consent for credit reporting, while Section 817.5685 of the Florida Statutes provides clear directives for the fair reporting of consumer credit information. Simultaneously, identity theft fraud laws, such as Florida Statutes Sections 817.568 and 817.5685, underscore the severity of unauthorized access and misuse of personal information.

I assert with unwavering certainty that I have not provided consent for XXXX, EQUIFAX, XXXX to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that XXXX, EQUIFAX, XXXX immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Florida Statutes Sections 817.568 and 817.5685. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft and fraud statutes. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Florida state law, and identity theft fraud statutes. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that XXXX, EQUIFAX, XXXX will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith,
Product: Checking or savings account

To Whom It May Concern, I am writing this letter to formally dispute the information reported to Early Warning Systems ( EWS ) that has negatively impacted my ability to open a bank account. I, XXXX XXXX, demand that you provide immediate resolution to this matter. 

Your reporting has hindered my access to essential banking services, and I find this unacceptable. If Early Warning Systems can not furnish a copy of my signature or any binding contracts related to the accounts listed below, I demand the immediate deletion of all corresponding information associated with me. 

The accounts in question are as follows : XXXX XXXXXXXX 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 If Early Warning Systems fails to provide valid proof of any contractual relationship I have with these financial institutions, I expect the immediate removal of all related information from your databases. 

It's critical for me to resolve this issue promptly, as my ability to open a bank account is being unjustly compromised. I appreciate your urgent attention to this matter and look forward to your swift response.
Product: Debt collection

I get calls from this company every couple years stating a repo debt unpaid. Last thing received from this company was XXXX. They call my work and several family members threating to sue me or take assets. This loan I have spoken with several employees and they could not and will not provide information I owe this debt only verbally. They contacted me at work and on cell phone along with calling family members on XXXX around XXXX XXXX  gave me several options ranging from {$9200.00} to {$1500.00} to take care of debt and only gave me 30 minutes to comply or they were sending my social security number to the courts. I spoke with attorney that stated there is a statue of limitations and they are a scam. Nothing has been filed. They called me at work this morning threating me calling me by a combination of my maiden and married last name which made no sense and stated good luck in court. Todays person was named XXXX XXXX and said he will serve me at work and home. They will not stop even telling them not to contact me or family and to contact my attorney. Please make them stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentialitv under 15 USC 1681. 
Reached out to XXXX, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX, Account name : American Express. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctlv 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 writen astrucions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agenc if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also tried getting in contact numerous times, they aren't even in compliance with XXXX XXXX credit reporting either. I have evidence to prove my case.
Product: Credit card or prepaid card

On XX/XX/XXXX, a payment was made accidentally using the wrong XXXX XXXX Account - ending in XXXX in the amount of {$610.00}. This payment was subsequently returned as the account in question was the wrong account and did not have adequate funds. I was unaware of this error at the time. On XX/XX/XXXX another payment was made for the total amount of {$650.00} to include {$610.00} plus a late fee of {$35.00} within the 30 day period so it was not 30 days late using XXXX XXXX Account - ending in XXXX. On XX/XX/XXXX, another payment was made using XXXX XXXX Account - ending in XXXX, in the amount of {$600.00}. This payment should have gone through but for some reason appears to have been rejected by the bank and returned on XX/XX/XXXX. I tried to make the payment again on XX/XX/XXXX but this time split it into two separate payments in the amount of {$580.00} and {$100.00} and both payments were credited. I believe these payments should reflect not to be 30 days late as they are simply payments made from the same account - XXXX XXXX Account ending in XXXX - that ought to have processed but did not for reasons still unknown to me. On XX/XX/XXXX, I paid {$600.00} dollars and on XX/XX/XXXX, {$610.00}. I am asking that Capital One kindly remove the late payment reflected in XX/XX/XXXX as I paid it within 30 days and it was not processed for reasons unknown to me. I also was not aware of the returned payment from XX/XX/XXXX. I immediately paid the XX/XX/XXXX payment again the day after from the same account and this second time it processed correctly. When I discovered the XX/XX/XXXX payment was still outstanding, I made a catch up payment in XX/XX/XXXX in effect making the first payment on XX/XX/XXXX and the second on XX/XX/XXXX. I ask that you kindly take up this issue with Capital One as it is in the best interest of all parties and I am adhering to their rules and sincerely making all efforts to continue to be on time with my payments
Product: Credit reporting or other personal consumer reports

I sent a certified letter on XXXX to each of the 3 credit reporting agencies ; XXXX, Equifax, and XXXX, asking each of these companies to check and verify that the information in my credit report was accurate. All 3 credit agencies responded and said that they checked the information on my file and verified that it was correct.

I did a thorough research on my own and found inaccuracies on the credit report even after the 3 agencies said they did a thorough research! 

Name of the account : XXXX Account XXXX : XXXX In accordance with the Fair Credit Reporting Act, Convergent Account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602a States that I have to write to privacy 15 U.S.C. 1681 section 604a Section 2 : It also States : A Credit Reporting Agency can not furnish an account without my written instructions.

For example, the Date Opened for the account had multiple dates on the 3 credit reports. XXXX has dated opened as XXXX and Equifax XXXX XXXX have it as XXXX - INCONSISTENCY! 
Another example is Reporting Date from XXXX is XXXX and Equifax XXXX XXXX have it as XXXX - INCONSISTENCY! 
Another example is Credit Limit from Equifax has a {$0.00} limit, while XXXX XXXX XXXX have it as {$280.00} - INCONSISTENCY! 
See attached Latest Credit Report dated XXXX for all 3 credit reports. 
See attached compiled PDF of pages 6-7 of Credit Report showing XXXX XXXX Due to these inconsistencies this file must be deleted please.
Product: Credit reporting or other personal consumer reports

Incorrect information on my credit report. I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.