23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Financed my Audi off lease with Audi Finl in XX/XX/XXXXXXXX  for 72 mths at contractual monthly payment of {$800.00}. Made all payments within 30 day late of due date. During Covid, Audi Finl offered me a 3 mth deferral which I accepted. Resumed payments and never paid late or was ever marked late. Over the course of the 72 mth loan there were accrued Audi Finl internal past 10 day grace period fees, but never a 30 day late and Covid deferral accrued interest. Final payment of {$800.00} was due XX/XX/XXXX and payment was made XX/XX/XXXX ( see proof attached ). There then remained aforementioned, non monthly payment fees and accrued interest remaining for a total of {$1700.00} which I paid XX/XX/XXXX within 30 days of final contractual payment made. All of the contractual {$800.00} payments were made on time. Only the fees and accrued interest remained. Audi Finl marked me 30 and 60 days late for not paying the fees and deferred interest. If anything should not be 60 days due to final amount being paid within 60 days ( final payment due XX/XX/XXXX and made XX/XX/XXXX and accrued interest and fees paid XX/XX/XXXX ) of final payment due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've been going back and forth with Equifax for the last few weeks about disputing and deleting items off my credit report that does not belong to me. And they have done absolutely nothing to help me the accounts that 's on my credit report with them are not mine it 's two of them on there and I have over nine or 10 inquiries that do not belong to me and they will not delete them off and I 've been going back and forth with them for weeks all they keep doing this updating the information which is making it stay on my credit report longer I do n't understand how my credit keep getting run if I have the credit Identity On It so that anytime I credit is wrong you have to verbally speak to me to be able to approve me for credit I do n't understand how somebody is still able to run my credit and give me all these inquiries. 
Accounts that are not Mine XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX its on the report 3 times.Inquires that are not mine XXXX XXXX XX/XX/XXXX,  XXXX XXXX XX/XX/XXXX, 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 XX/XX/XXXX .Please help me with these accounts an inquires i did not give my permission on these. Nor did i authorized it.
Product: Credit reporting 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 confidentiality under 15 USC 1681. 


Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX  XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Credit card charges were paid off recently. Please remove negative dispute information from credit file. Settlement agreement was reached with debt collection agency. National Credit Adjusters.
Product: Mortgage

I had requested Loan modification under HAMP program in XXXX for both my mortgages with Bank of America. 

Bank of America did not follow the Federal Guideline under HAMP Program and made several error at the time of modification including but not limited to : 1 ) Loan to Value On the HUD and IRS website, under HAMP, if a mortgage loan is being considered for a HAMP modification and if the ratio of the amount owed to the value of the home is greater than XXXX percent, then the servicer must consider whether a Principal Reduction AlternativeSM ( PRA ) principal reduction should be effected as one part of the HAMP modification. 

In the modification analysis prepared by Bank of America employee, XXXX XXXX on XX/XX/XXXX, the XXXX was XXXX XXXX which is greater than the XXXX XXXX  stated in the rule. Bank of America did not reduce the principal and in all documentation that I have this was not considered. The rule states that the servicer must consider principal reduction as one part of the modification there is no showing or indication that principal reduction was considered during my loan modification. 

2 ) Debt to income ratio On the HUD and IRS website, under HAMP, a participating loan servicer must consider a sequence of modification steps for each eligible homeowners mortgage loan until the loans monthly payment is reduced to XXXX percent of the homeowners verified monthly gross ( pre-tax ) income. Sometimes, a change in the mortgage loans interest rate is sufficient to reach the XXXX target. Sometimes additional modification steps of term extension or forbearance are necessary as well. 

In the modification financial analysis the numbers provided by Bank of America calculated the Debt to income ratio at 44.68 % instead of meeting the 31 % reduction required by the HAMP guidelines. Although they extended the term to 40 years the calculations did not arrive at the required XXXX XXXX and in that case the forbearance option should have been applied to reduce it to that number. 

3 ) Failing to include the 2nd mortgage in modification.

On the HUD and IRS website, under HAMP Second Lien Modification which provides modifications and extinguishments on second liens when there has been an eligible first lien modification on the same property.

Here there was an eligible first lien modification on the property, and I was never provided with an option to extinguish or modify the second. Throughout the modification process I included the loan number for the second to have them both modified and it was never addressed. 
Now my house is under foreclosure from XXXX XXXX XXXX for the 2nd Mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to remove : XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$680.00} ; XXXX XXXX Balance : {$9.00}, XXXX ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXX Balance : {$14000.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$440.00} ; XXXX XXXX XXXX XXXX Balance : {$660.00} ; XXXX XXXX XXXX : ) XXXX Balance : {$160.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX which are 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 these items or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX & I am including it again.
Product: Checking or savings account

On XX/XX/2021, I checked my account to ensure that money I was expecting cleared. I noticed that the amount in my Chase checking account was not what it should have been and upon further gland, I noticed that money -- {$5500.00} was unauthorized and taken out of my Chase checking account without my knowledge by an XXXX XXXX account. I immediately called my bank to inform them of what occurred and I filed a claim on XX/XX/XXXX. I went into the bank the same day and informed the bank personnel of what occurred and they restricted both my checking and savings account and opened new ones for me. They informed me that I should come back within a week to ensure that everything was going well to receive documents requesting additional information from me in order to process the claim. I went back to the bank on XX/XX/XXXX as I did not receive the paper work and the personnel told me to give the documents an additional 3-4 days to arrive. They also linked my card to my new account as I was having issues making transactions. 

On XX/XX/2021, I received a notice letter from the bank stating they were not going to honor my claim due me having done pervious transactions the merchant who withdrew the money and not disputing those previous claims. They were referring to deposits made to my checking account in the amounts of XXXX cents and XXXX cents made by XXXX XXXX on XX/XX/XXXX. I did not notice or realize these transactions until XX/XX/XXXX. I have never had financial transactions with XXXX XXXX. XXXX has told me to take this issue up with the merchant, XXXX XXXX however in speaking with them and providing sensitive and confidential information, they do not have a profile for me as I have never done business with them. I have now consulted counsel who told me to go down to one of the Chase branches and have a meeting with a manager who needs to provide me with information the investigation and who as well as where the money went to based on the transaction that they authorized. Counsel also guided me to file this complaint with the FTC. I am hoping to get some type of resolution in this matter as it is very hard to work for money, make plans to spend it on imperative and pressing matters, only to then have it taken from you.
Product: Credit card

Again, American Express ( Amex ) failed to follow their term in their letter dated XXXX/XXXX/2015 ( copy sent earlier ). All their past responses to this complaint are irresponsible. Therefore, I will continue to file this complaint until Amex becomes responsible and transfers the XXXX earned rewards points to my open Amex account. 

I am in full disagreement with Amex 's failure to transfer XXXX earned points from my closed Amex account # XXXX to my open Amex account # *************** ( copies sent earlier ), because Amex stated in their XXXX/XXXX/2015 letter, " that as per the XXXX Terms and Conditions if you cancel your enrollment in the program and do n't keep open any American Express Cards, all points in your program account will be immediately forfeited ''. The key word in this quote is the word " any '', which pertains to my open Amex account # XXXX. On XXXX/XXXX/2015 I advised Amex in my letter ( copy sent earlier ) of this open Amex account. 

Amex needs to transfer my earned XXXX points to my open Amex account # XXXX per their terms and conditions. If then they are not in compliance with Federal banking laws.
Product: Credit card or prepaid card

We opened a Chase/XXXX credit card on X/XX/17 after receiving multiple email offers and promotions and a mailer Offering XXXX miles to open the credit card and XXXX additional miles to add a second person on the card and spend {$3000.00} within the first three months. We complied with these requirements within the first month. We were told multiple times by mail, fax and on the phone that we are only available to get XXXX miles. We are still getting email offers for XXXX miles. This looks like an obvious bait and switch.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/22 to XXXX Credit Bureaus to remove erroneous accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX Balance : {$470.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$390.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX XXXX, XXXX  XXXX Phone : XXXX Email : XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Dispute of Reinserted Account on My Credit Report To whom it may concern : I am writing to formally dispute a reinserted account that has appeared on my credit report managed by TransUnion. This account had previously been removed from my credit file, and its reinsertion without the proper notification and verification constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

According to the provisions of the FCRA, if a previously deleted account is reinserted into a consumer 's credit report, the consumer reporting agency must : Notify the consumer in writing within XXXX business days of the reinsertion of the account. 

Provide verification that the account has been reinserted with accurate and complete information from the furnisher of the account. 

I respectfully request that TransUnion : Conduct a thorough reinvestigation of the reinserted account to ensure that it meets the verification and accuracy requirements mandated by federal law.

Provide written documentation of the reinsertion process and the verification steps taken.

Remove the reinserted account from my credit report if it can not be verified as accurate and complete.

Attached to this letter, you will find a copy of my government-issued identification and proof of address to assist in the verification process. 

Thank you for your prompt attention to this matter. I trust that TransUnion will handle this dispute in compliance with the FCRA and ensure that my credit report remains accurate and fair. 

Sincerely, XXXX XXXX XXXX XXXX Applicable Law : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( Reinsertion of Previously Deleted Information ) Under this section of the Fair Credit Reporting Act, if a consumer reporting agency reinserts previously deleted information into a consumer 's credit report, the agency must : Notify the consumer within XXXX business days of the reinsertion. 

Provide the consumer with the name, address, and phone number of the furnisher of the information. 

Ensure that the information has been verified as accurate before it is reinserted. 

Failure to comply with these requirements constitutes a violation of the FCRA and entitles the consumer to dispute the reinsertion and seek appropriate remedies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing concerning my request that the BANKRUPTCY placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), this is not a request for validation. Experian, XXXX and XXXX have willfully refused to acknowledge my request. In the attached documentation you will see that a forensic search proves my name and case for the above mentioned bankruptcy does not appear. Therefore it NOT possible for the bureaus to say the account was VERIFIED/VALIDATED. I will also note that it took several months and an XXXX of XXXX to get the XXXX XXXX  to respond to me concerning my own case. They emphatically state that THEY DO NOT RESPOND TO 3rd PARTY REQUESTS. I demand XXXX XXXX XXXX validate this information by law 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( 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.
Product: Debt collection

Hello,

Professional Account ManagementXXXX is repeatadly contacting me threateaning to file a report with the Credit Reporting agencies despite the fact that I provided them with a written notice disputing the validity of the debt withing 30 days of original notice.

Their Acct # for me is XXXX
Their phone # XXXX
Product: Credit card

On XX/XX/year> I made a hotel reservation at a web site with a domain name " XXXX XXXX ''. When I received a confirmation email from " Hotel reservations '' I was suspicious and cancelled the reservation. I also notified American Express of the potential scam and was told by an agent that the charge was pending and would not be paid without notification from me. Nevertheless on my XXXX statement there was a charge from " XXXX XXXX '' dated XX/XX/XXXX. When I contacted American Express by phone the agent said it would be investigated. Since then American Express has provided me with copies of documents I have never before seen and claims of action I have never taken from " XXXX '' whom I have never heard of. They now claim that since whomever they paid claimed that I approved payment, I am responsible for a charge of {$880.00} that American Express was told before payment was fradulent. 
By accepting phony " proof '' from an obviously fraudulent entity without careful investigation American Express is aiding and abetting fraud in spite of their claims that cardholders are protected from fraud. I have deducted the {$880.00} from my payments in subsequent months as American Express " continues to investigate. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2019 I decided I wanted to buy a home. I went to a place called XXXX XXXX XXXX. At XXXX XXXX XXXX they started off by asking what my credit score was and I had no idea at the time. They recommended I got my credit report pulled and we go from there. As we reviewed my report I noticed a numerous of things that were not mine. Can you please remove the following items from my report. XXXX XXXX {$640.00}, XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX  XXXX XXXX XXXX {$320.00}, XXXX XXXX XXXX XXXX XXXX {$3400.00}
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXXA XXXX Balance : - XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$510.00} XXXX XXXX  XXXX Balance : {$4000.00}
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed several accounts that I do not recognize or recall ever opening. These accounts are as follows : 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 I believe these accounts XXXX have been reported inaccurately, and their presence is negatively affecting my credit report. I contacted the credit reporting agency to dispute these accounts and provided all necessary documentation, including my identification, but the accounts remain on my report.
Product: Debt collection

My father recently XXXX XXXX in XX/XX/XXXX from a XXXX XXXX and he was the cosigner on my loan. In good faith, I contacted Navient to request a release of the cosigner and instead my loan is now considered automatically defaulted when I have never missed a payment since I got the loan in XX/XX/XXXX.  Now, the debt collection company Navient uses to scare people, XXXX, is contacting my mother who is XXXX enough from the XXXX of her husband, demanding payment. I am requesting that Navient recall the loan from XXXX and allow me to be the sole individual on the loan. It does n't make sense to treat this as a default because I 've been making payments on time and it will turn a good loan into a bad loan. Amount owed is {$5800.00} and {$11000.00}.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to DELETE these inaccurate accounts in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

PNC bank : Auto Loan No communication was sent, I received the auto title and confirmation the car was paid off. I checked my credit report and found a late payment for 30 day and 60 day a few months later. I quickly logged on to PNC and noticed the reversals on the last XXXX payments. I paid the loan off in full XX/XX/XXXX for XXXX dollars. I have asked via XXXX and directly through PNC, and the XXXX  for help. 
Solution : I am not looking for the interest back only that my account show paid in full and on time every month.
Product: Student loan

I had applied for the covid student loan debt relief and requested all amounts paid post XX/XX/2020 to be refunded in mid XXXX with my servicer XXXX. The request was rejected due to a lack of information I was told so we resubmitted in early XXXX. My loans had transferred to mohelia after this point. It is currently XXXX XXXX and there is no resolution or update. XXXX shows everything transferred to mohelia and they have no update and Mohelia says they dont have any request for the debt relief from XXXX and there is nothing they can do since they lost that information.