23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have a credit card from Synchrony Bank for XXXX XXXX and I made a purchase sometime in XXXX with no interest and promotion will end up on XX/XX/XXXX. I was on track with all my payments and unfortunately I was hospitalized due to XXXX XXXX last XX/XX/XXXX and was the main the reason why I was not able to settle my last payment on the XXXX of XXXX XXXX They were calling me when I was in the hospital and told them that I will settle everything as soon as I get discharged from hospital. I was able to come to out from the hospital last XX/XX/XXXX and I made a payment to my credit card but unfortunately I was surprised to see the remaining balance of XXXX. I called up the customer service but there was nobody capable of helping me with my concern. They just transferred my call to a XXXX but never had the chance to talk to one. I sent them several messages but first 2 replied as if they did not know what really happened why I was not able to settle my account. I sent them again a message and they replied that I need to pay the amount I stated and I find so unfair and inconsiderate. 

Despite of confusion I was able to figure out the real amount I need to settle and I already settled it and the XXXX is the amount they refer as interest of the promotion.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is falsely reporting a late 30 days payment on my account for XX/XX/2021. 
By federal law, a late payment can not be reported to the credit reporting bureaus until it is at least 30 days past due. An overlooked bill won't hurt your credit as long as you pay before the 30-day mark, although you may have to pay a late fee. 
I have never had a 30 days late payment after the due date and as such needs to be immediately removed from my credit report
Product: Checking or savings account

In XXXX of 2022 I received a letter from Chase Bank stating that they are terminating their relationship with me. They closed my accounts and credit card accounts. I went inside the brach and set down with a banker and he reviewed my account. The banker said that this was ridiculous and there was nothing on my account that looked suspicious. I am a police officer in the city and I receive direct deposits directly into my account. The banker said that there was no explanation as to why my account was closed, even he did not know. I feel that as aa long time customer I have the right to know why my accounts are closed, and at least given the opportunity to show proof that there was no illegal activity.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXXXXXX XXXX  Account # XXXX I am writing to request the blocking of a fraudulent collection account from my credit report pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). This account is the result of identity theft, and I am seeking to have it blocked from my credit report. 

Please block this fraudulent account from my credit report as required under the FCRA. Additionally, I request that you confirm in writing once the account has been blocked.
Product: Student loan

College Foundation Inc. and XXXX- well, it's hard to sum up. But, it appears that while I was in law school, my mother took out some loans in my name. It is clear from the amounts and dates that they were not for tuition or housing. I have disputed these for many years, and despite them being PRIVATE, the XXXX XXXX  apparently backed them or bought them, or something. I disputed them for many years with them. Eventually, I stopped paying the XXXX XXXX XXXX XXXX because the things were just growing and they would not agree to anything reasonable to resolve them even though they were disputed ( and private and past any statute of limitations which should apply to private loans ). Then I got sued. I filed my disputes then, statute of limitations, personal jurisdiction. The judge ignored these and has also ignored the affidavit from my mother stating she signed for these loans. Jurisdiction was allegedly based on the fact that I " signed them '' in XXXX  - however, there is NO EVIDENCE that I signed these. They did not have a notary or anything, and yet there is evidence that my MOTHER signed them. I have spent way too much energy trying to deal with this without any help. There is also no evidence that the funds were ever disbursed to me. I have requested it, but they have not provided it in discovery. They supposedly supboenaed XXXX XXXX XXXX, but I have received nothing from that for over a year indicating there's any evidence that this money ever benefited me in any way. In fact it's negatively impacted my credit for my entire adult life.There 's only room for me to select one company but it started with the College Foundation Inc and moved to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I requested and was approved for a Cares Act COVID Forbearance in XX/XX/XXXX. My loan is owned by XXXX XXXX. I called my mortgage company ( XXXX XXXX, serviced by Loancare , LLC ) to set up payment options and resume payments on XX/XX/XXXX. I requested a deferment of amount owed and was told I did not qualify for a deferment and would be required to do a loan modification. I had researched my options and knew I qualified for a deferment and stated I did not want a loan modification. I requested to speak to a supervisor to find out the reason for the deferment denial. I was told a supervisor was unavailable and I could request a call back. I requested a supervisor call me back and I never received a return call. I have subsequently called back on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and have never been able to speak with a supervisor. Each time I have requested a call back from a supervisor and to date I have never received a call back. I have also been given a different story every time I have called and have been given factually inaccurate information, and was told I was not able to speak to a supervisor to get clarification. I was forced to extend my forbearance when I didn't need or want to because Loancare said my request for a deferment needed to go through a 30-day review. That was on XX/XX/XXXX. On XX/XX/XXXX, I reached out to a HUD counselor due to the issues I was having and on XX/XX/XXXX, we called Loancare together to get answers and were also unable to speak with a supervisor. My counselor repeatedly requested to speak to a supervisor and we were told one was unavailable, that the loan modification department was closed and given factually inaccurate information again. It is now XX/XX/XXXX, and I have not had a successful resolution and my extended forbearance now ends on XX/XX/XXXX, and I still have no idea what my options are as I can not get clarification or speak to a supervisor. I have requested my counselor escalate the issue to XXXX XXXX as well. In the meantime, I have resumed making payments.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$480.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX XXXX XXXX, Inquired on XX/XX/2019, XX/XX/2019 XXXX Inquired onXX/XX/2019 XXXX XXXX XXXX, Inquired on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX a notarized certified letter was sent a letter to XXXX XXXX to verify that they provided me with the required XXXX disclosures. 
I was unaware of my right to opt-out of having my information shared, which directly led to a security breach on my personal identity impacting my credit report. 
At this point my information has been shared so much. I have over XXXX security breaches/inquires since XX/XX/XXXX when the lease for XXXX was signed. I have paid every amount onetime since the opening. When learning about this violation of my privacy because of this lease. Them not sending me the These forms at signing or at dispute request, as mandated by the XXXX, should have included : Privacy Notice : This document should have outlined your institution 's policies regarding the collection and sharing of my nonpublic personal information, explaining the types of information collected, how it is used, and under what circumstances it might be shared with third parties. 
Opt-Out Notice : This notice should have given me the opportunity to " opt out '' of having my nonpublic personal information shared with certain nonaffiliated third parties, with clear explanations on how to exercise this right. 
Safeguards Notice : This should have detailed the measures your institution takes to protect the security and confidentiality of my personal information. This could have been included in the privacy notice or as a separate document. 

I received none of these documents and my request is that this is removed from my account as soon as possible.
Product: Credit reporting

CREDIT PLUS XX/XX/XXXX-XX/XX/XXXX Miscellaneous XXXX. Agencies I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry that I did not authorize. I have previously disputed this item and it was removed from my credit. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent a letter certified mail because I need a prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thanking you in advance. 
We 're on it.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of late payments on my consumer file, specifically related to the accounts below. Upon reviewing my credit report, I noticed that these late payments listed below are inaccurately reported, which is adversely effecting my creditworthiness. 
XXXX XXXX with account number XXXX the first late payment listed on this account is wrong and you need to remove this account. 
XXXX with account number XXXX I paid on time but you're listing me as late - you need to update to paid as agreed. 
XXXX with account number XXXX I paid on time but you're listing me as late - you need to update to paid as agreed. 
XXXX XXXX XXXX with account number XXXX Each bureau has different info in the historical payment data this is inaccurate and all lates need to be removed XXXX XXXX with account number XXXX Each bureau has different info in the historical payment data this is inaccurate and all lates need to be removed XXXX with account number XXXX Each bureau has different info in the historical payment data this is inaccurate and all lates need to be removed XXXX XXXX with account number XXXX the first late payment listed on this account is wrong and you need to remove this account. 
Under the Fair Credit Reporting Act : 15 USC 1681 Section 602 guarantees my right to privacy. This ensures the confidentiality of my credit report and mandates that information on it must be reported in a way that is fair and accurate to protect the consumer 's privacy.

15 USC 1681 Section 604a Section 2 stipulates that a consumer reporting agency can not furnish a report containing information on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living without the consumer 's written instructions.

In light of these provisions, I challenge the authenticity and validity of the late payments recorded on my account and request your agency to produce evidence or documentation that validates this reporting in accordance with my written instructions.

Moreover, in alignment with 15 USC 1666b, 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 they have adopted reasonable procedures designed to ensure that each periodic statement contains the required information.
Product: Mortgage

Home Point Financial not managing my escrow account properly. Every year for the past 5 years my account seems to have a escrow shortage when the numbers do not add up, For example, when my Insurance and property taxes increase to {$200.00}, I get a escrow shortage bill for {$450.00}. Contacted the VA and they refer me to contact CFPB. I have requested a break down on how they arrived at those numbers, they send a basic break down but nothing showing how they arrived at the escrow shortage amount. Customer service reps for Home Point Financial were not friendly when ask to explain or break down shortage. I am concern!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion - XXXX XXXX XXXX  XXXX. 

XXXX  and Transunion are providing mortgage lenders reports using the older version of the mortgage fico score, resulting in the denial of mortgage opportunities to minorities. XXXX  is using Fico Score XXXX, Transunion XXXX XXXX XXXX, and XXXX  XXXX Score XXXX. In mortgage lending the lender is looking for three scores, however, I think that looking at three scores that are coming from three different algorithms is not fair to the consumer. XXXX and Transunion prefer to use these older versions to deny access to XXXX with lower credit scores the American dream of homeownership. This behavior and practice are unacceptable.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS. 
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: Credit reporting

I have an account on my Equifax report that has been deleted twice and has now returned for a XXXX time. 
XXXX time : XXXX-removed on XX/XX/XXXX, 2016 XXXX time : XXXX - removed on XX/XX/XXXX, 2016
Product: Debt collection

Mountain summit Financial attempted to collect a debt from me which I never applied for nor did I receive any proceeds from. I attempted to resolve with them via phone on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. As requested I emailed complaints@mountainsummitfinancial.com and did not receive a response. On XX/XX/XXXX they sent me an email asking for multiple pieces of information. Due to the fraudulent nature of this situation my local police in XXXX XXXX NJ directed me to enter a Identity Theft report with the XXXX XXXX NJ Police Department ( phone-XXXX ). The Case Number is XXXX. The police have instructed me to not provide any additional information to Mountain Summit Financial at this time. I can get no resolution to my situation. When I call they insist I email and my emails go unanswered.
Product: Credit card or prepaid card

On XX/XX/2021, I applied for the SoFi Credit card with a promotion stating that once you apply for a credit card and make a purchase by XX/XX/2021 you will receive {$100.00} worth of bonus points within 45 days. I made a purchase on XX/XX/2021, and by early XX/XX/2021 the points had still not posted. I called SoFi who said that I qualified for the promotion and the points will post by my statement ending on XX/XX/2021. By XX/XX/2021, the points had still not posted to my account and I called back and they said I qualified, but they would have to look into and email me. 

I never received an email so called SoFi back the following day, and they said they would submit a ticket and get back to me. 

I still had not heard back, so again called SoFi on XX/XX/XXXX who said they would submit a ticket and I will receive my points in 10 days. 

By XX/XX/XXXX, I still had not received the points so again called. The Credit Card team stated that I was supposed to be awarded the points by XX/XX/XXXX, and transferred me to the SoFi Money team who handles the points for follow-up as the points still had not posted to my account. 

The XXXX team claims the ticket is still opened, and I would receive the points, but provided no timeline for resolution. For points I should have been awarded in early XXXX, and five plus calls to seek resolution is not fair to the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to identity theft my credit file has numerous of unknown and unauthorized inquires on it. I'm demanding that these inquires be deleted immediately so that the 3 major credit reporting agencies can afford me my true report. Please delete the following inquiries : 1 ) XXXX XXXX ( XX/XX/XXXX ) 2 ) XXXX XXXX ( XX/XX/XXXX ) 3 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 4 ) XXXX XXXX ( XX/XX/XXXX ) 5 ) XXXX XXXX ( XX/XX/XXXX ) 6 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 7 ) XXXX XXXX XXXX XX/XX/XXXX ) 8 ) XXXX  ( XX/XX/XXXX ) 9 ) XXXX ( XX/XX/XXXX ) 10 ) XXXX XXXX ( XX/XX/XXXX ) 11 ) XXXX XXXX ( XX/XX/XXXX ) 12 ) XXXX XXXX ( XX/XX/XXXX ) 13 ) XXXX XXXX ( XX/XX/XXXX ) 14 ) XXXX ( XX/XX/XXXX ) 15 ) XXXX ( XX/XX/XXXX )
Product: Mortgage

Issue with : AmeriHome Mortgage Company , LLC XXXX XXXX. XXXX XXXX XXXX, NJ XXXX I have attempted with no success to address this with customer service ; I have only received promise of a return call that has not come. The following is a timeline outlining the issue : XX/XX/XXXX spoke to customer service rep re : having received a delinquent tax bill ; was advised to send the bill to XXXX XX/XX/XXXX sent email with attached bill XX/XX/XXXX received confirmation of receipt of email XX/XX/XXXX received more detailed response stating request will be processed in 3-5 business days and that If we are at fault for this late disbursement, any penalty or interest assessed will be paid from a corporate account and not the escrow account. 

XX/XX/XXXX received email with subject line Taxes Paid stating payment was sent from my escrow. Email stated 2 disbursements, one for County Tax Disbursement in the amount of XXXX ( the correct tax amount ) and one for City, Utility Disbursement in the amount of XXXX. There was no explanation as to the latter Utility Disbursement. This amount did not show on the tax bill. 

XX/XX/XXXX called customer service ; rep could not explain what the Utility Disbursement was ; stated he was submitting a request and that someone would call me back. He stated it was impossible for me to be connected directly via phone to anyone that could assist. My only option was to wait for a return call. This call has not come. 

XX/XX/XXXX contacted City of XXXX Treasurer XXXX XXXX ; he explained to me that, as of today ( XX/XX/XXXX ) payment has not been received. He also stated that when he calculated penalty and interest now due on the base tax amount, it equals exactly XXXX. 

It appears as though Amerihome is trying to camouflage penalties and interest that are their responsibility ( for having not remitted my real estate tax payment on time ) as a Utility Disbursement to illegally pay said penalties and interest from my escrow account.
Product: Checking or savings account

Bank of America originally listed a Power of Attorney which was recently changed. This most current POA was hand-delivered to the Reading, MA branch while meeting with a customer representative who stated that until the new POA is approved, this account will remain frozen for deposits and withdrawal which will take a couple of days, but we will let you know when it has been released for banking. Well, two days later after submitting this updated POA change, within two days, this account had a withdrawal of {$9700.00} by the previous POA and BOA allowed this to be withdrawn. We have tried to contact BOA to get this resolved, but they never called back after several attempts and the account still remains deficient of the illegal withdrawal of {$9700.00}.
Product: Credit card or prepaid card

On XX/XX/XXXX, my Capital One account ending in XXXX was billed for the amount of {$2500.00} by XXXX XXXX XXXX. I disputed the charge on XX/XX/XXXX. Although the merchant listed on my credit card statement clearly said XXXX XXXX XXXX, Capital One listed the merchant in the dispute as XXXX XXXX. Perhaps because XXXX XXXX XXXX did not exist. A company named XXXX XXXX XXXX XXXX XXXX located in XXXX, at the same address purportedly used by XXXX  XXXX XXXX had been administratively dissolved. XXXX XXXX was also dissolved XX/XX/XXXX. 
On XX/XX/XXXX, my Capital One account ending in XXXX was billed for the amount of {$8300.00} by XXXX XXXX. 
For Capital One transactions, I was a victim of deceitful telemarketing. 

On XX/XX/XXXX, my XXXX XXXX XXXX was charged {$6400.00} by XXXX XXXX without my knowledge or authorization. I did not supply XXXX XXXX with my credit card number, nor did I receive any goods or services from them. 
The charge was completely fraudulent.
Product: Credit reporting or other personal consumer reports

I will continuously dispute the negative close accounts that were reported on my credit report : 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 XXXXXXXX has been declared as current since XX/XX/2022. However, I have observed that it continues to be reported by other credit reporting agencies. 

Moreover, these 2 collection accounts have no resolution until now. I have not received any communication or information about the validity of the alleged debt that these collection agencies have been continuously reporting.

I am seeking clarification on why this discrepancy exists and request the immediate removal of this inaccurate account from my credit files. It's my understanding that this matter has been addressed, and I expect that the relevant updates have been made accordingly.
Product: Credit reporting or other personal consumer reports

I saw written information on my credit report such as my address and I reached out to the credit reporting agency it to remove it and has since refused. I am sending a final update and warning as I will be filing a suit next month XX/XX/ XXXX XXXX