23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

To whom this may Concern, My husband and I bought our RV XX/XX/XXXX from XXXX XXXX. The RV loan was financed through BMO, first payment due XXXX of XXXX. The regular monthly payment is {$840.00}, we sent a check of {$900.00}. I thought the extra XXXX would be automatically applied to my principal along with the principal amount from my regular payment. BMO applied the whole {$900.00} as interest only. I was told that it was all due as interest because the loan had been open for more than 31 days without a payment, but I paid the loan by the due date. 
The next monthly payment we paid {$1000.00}, a total of {$150.00} above our regular payment. BMO applied {$160.00} to principal and {$830.00} to interest, again trying to figure out why my regular monthly payment principal is only {$10.00}. BMO informed me they were charging me back interest owed, but I have never been late with a payment. 
The following month we paid {$1500.00}, a total of {$680.00} above our regular payment. They applied {$970.00} to the principal and {$550.00} to interest, this made more sense to me. 
The next few months when we paid only principal payments we were charged interest on principal payments. I have called many times to resolve the issues, no one seems to have answers for me. I have been told that they always charge more interest in the first 6 months even if it is a principal payment. We were told to send principal payments only through the mail. We tried that but it was still the same, they charged interest on my principal payment. The website is not user friendly so I could not specify that I wanted the extra monies to be applied to principal. 
The bottom-line totals for my monies paid to BMO for 6 months are as follows : Regular monthly payments for 6 months = {$5000.00} Applied as Interest = {$5000.00} Applied as principal = {$6.00} Extra principal monies applied to loan = {$3300.00} Total monies paid to BMO for 6  months = {$8400.00} We financed {$86000.00}, still owed {$82000.00} after 6 months of payments. 
The difference equals XXXX, we paid {$3300.00} above the total due for the 6 months. I do not understand why BMO did not apply any monies to the principal payment from my regular monthly payments. 
I did file a complaint to the XXXX XXXX XXXX, I noticed on XX/XX/XXXX BMO went into our account and made multiple reapplied transactions. The bottom-line numbers remained the same, numbers were just manipulated to try to make it appear that everything was fixed. I called again to inquire about it and again I was told that I owed back interest and I missed a payment? We did not miss any payments. I have a printout of my account before XX/XX/XXXX and a printout after XX/XX/XXXX to show what was done. 
My husband and I are asking for the proper adjustments to be made so the regular monthly principal and our principal only payments are applied properly to our account. 

Thank you for your time
Product: Credit reporting or other personal consumer reports

REINVESTIGATION REQUEST NOTICE XX/XX/year>. 
XXXX XXXX XXXX HAS COMMITTED IDENTITY FRAUD AS A HIPPA VIOLATION BY ILLEGALLY AND FRAUDULENTLY ACCESSED MY PERSONAL INFORMATION FROM XXXX XXXX ( ACCOUNT XXXX ) AND SHARED IT WITH SEVERAL 3RD PARTY ENTITIES INCLUDING XXXX, TRANSUNION, AND XXXX. 
NATIONWIDE RECOVERY SERVICE HAS VIOLATED MY RIGHTS BY COMMITTING IDENTITY FRAUD!!! ANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT. 15usc 6801 Protection of Non- Public Information. 15usc 6802 Obligation with respect to disclose personal Information. There are 3 disclosure forms that I have not received. 1. XXXX XXXX making me aware that they will disclose my information to a non-affiliated 3rd party. 2. XXXX giving me the opportunity before information is initially disclosed to direct that the information not be disclosed to a 3rd party. 3. The financial institution giving me an explanation how to exercise the non-disclosure options. 15 usc 6802 Disclosure of Institution Practice Policy
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my 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 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
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT, and I included it again. Kindly correct the following account : XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

It's been a XXXX since I lodged a complaint with these Bureaus, yet the incorrect information on my report remains unchanged. I haven't received any updates from them, except for your notice that the company responded to my complaint. How can I be sure they thoroughly looked into the inaccuracies? What measures did they take to confirm the accounts? This whole situation is quite frustrating, particularly since more than XXXX days have passed since I submitted my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I. Have never lived in XXXX Idaho, never bought a house in XXXX Idaho. This address is n't mine and it has taken my XXXX XXXX down XXXX points!! Please delete the incorrect information off my credit reports and restore my XXXX XXXX back to XXXX.
Product: Money transfer, virtual currency, or money service

I have reached out to see if I can finally have this issue resolved by receiving partial or full refund for disputed transactions that I have submitted. The dispute ID with Cash App is XXXX. I'm hoping this can get resolved as soon as possible.
Product: Credit card or prepaid card

I was applying for a XXXX  XXXX  XXXX  XXXX  with Bank of America and was denied twice on XX/XX/XXXX, and XX/XX/XXXX. 

Bank of America made me believe that it was because I have too many credit cards with them, I previously had three ( 3 ), but Now I have one ( 1 ). However, Bank of America is still denying me, I have been with Bank of America approximately XXXX. 

I believe that Bank of America is discriminating me and not been honest upfront about and telling the truth. I contacted XXXX and my credit score is very Excellent and XXXX XXXX and my is Excellent. 

Bank of America is not fair to me, please assist to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with with the Fair Credit Reporting Act XXXX  XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have a 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: Mortgage

United Wholesale Mortgage transferred my mortgage to another servicer XXXX XXXX on XX/XX/year>, when asked for original promissory note and that i was not aware my promissory note is a security and was sold and because im disputing my mortgage. XXXX XXXX replied to my same letter asking for promissory note stating they cant send original promissory note and that what asked for was not understandable and was threatened that my dispute was going to be given to the authorites. Also they placed a lien on my home.
Product: Credit reporting or other personal consumer reports

The unverified account indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
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
Product: Payday loan, title loan, personal loan, or advance loan

I was contacted by a company called XXXX XXXX XXXX  they also went by XXXX XXXX. They told me I owed them money in XXXX for a payday loan turns out it was a scam and I paid them XXXX dollars. Not the real Place is calling and my bank wont refund the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX i feel like i have no consumer rights and under attack when dealing with Experian XXXX, I am a victim of identity theft The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft I've contacted Experian 7 months ago about this matter i sent in police reports, reference number is XXXX FTC Report Number : XXXX ( www.identitytheft.gov ) today is XX/XX/XXXX and i recently pulled a credit report from www.annualcreditreport.com upon checking my report i seen that Experian unlawfully rescind & listed the fraudulent account back on my consumer report without notify me 213 days later which is past the 30-60 days for a complete investigation, i reach out to Experian today XXXX and spoke to XXXX a manager from the fraud dept she told me there's nothing i can do about this fraudulent account being reported on my consumer report that its never going to be block or remove, she became very rude and started yelling once i told her about my rights under the FCRA she told me that those laws don't govern experian she then became very upset and hang up on me after, the way Experian handle MY dispute unfair and unlawful, EXPERIAN IS THE WILD WILD WEST I'M UNDER ATTACK WHEN I SPEAK TO SOMEONE FROM EXPERIAN, DON'T MATTER HOW MUCH INFORMATION I SEND TO PROOF MY CLAIM THEY IGNORE IT, FIRE BACK AT ME LIKE IM NOT THE VICTIM, MY IDENTITY WAS STOLEN AND USED WITHOUT MY CONSENT 18 U.S code 8, I owe no debit. XXXX and XXXX is violating my consumer rights to privacy pursuant to 15 USC 1681b 2, Company also has no permission to report ANYTHING using my non public information pursuant to 15 USC 1681-4 , this company has NO permissible purpose to use my data/ XXXX 
MY MOBILE PHONE NUMBER WAS XXXX XXXX TWICE BETWEEN XX/XX/2021 also my mail was stolen and fowared from my mail box i contacted the united state postal service and made a report i also made a police report #, i did not obtained possession of goods, services, or money a from this company Credit Reporting Agencies ( CRAs ) must delete and block fraudulent /inaccurate information. See 15 U.S.C. 1681s-2 ( b ). 605B.Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ]
Product: Mortgage

We had a home built and closed on our loan in XXXX of XXXX. We closed knowing the taxes were based on an unimproved amount and would increase in XXXX of XXXX when the XXXX appraised our home with improvements on the land. When XXXX XXXX came and went and I had not received a letter from BB & T Mortgage regarding an increase in our payment due to the taxes going up I called them. I was told that they do their annual escrow evaluations in XXXX of every year and I should receive a letter in XXXX. Knowing that there was already a 6 month time period for the XXXX taxes that I have not been paying on improved amount I began saving money to accommodate until BB & T sent their letter. When I received their letter in XXXX XXXX it said my escrow shortage was {$480.00} which I knew had to be wrong as our taxes went from {$1000.00} per year to {$9700.00} per year. I called BB & T the same day I opened their letter and explained that I thought they were wrong and they needed to properly adjust my mortgage payments. The person I talked to said they could see what I was saying but that their escrow department sends the notices and if there is a shortage after they pay the taxes in XXXX XXXX they will notify me of the shortage to pay. When XXXX XXXX came and went with no communication from BB & T I called them again. They said I would get a notice for the XXXX shortage after they do their annual evaluation in XXXX XXXX. I saved the difference in taxes paid versus owed for XXXX waiting for the letter which I received XXXX XXXX, XXXX. To my complete shock when I opened their letter it said that I have an escrow shortage of {$15000.00} or the option to have my mortgage go from {$1800.00} to {$3800.00}. BB & T waited TWO YEARS to get my escrow account right and send a letter saying I owe them {$15000.00} - this is insane! Although I did my best to be a responsible consumer and save for what I thought my shortage would be due to BB & T 's complete lack in ability to properly set up an escrow account it is nowhere near what they say it will be. I now have to sell my home as we can no longer afford to live here. Had they adjusted my mortgage when they should have in XXXX of XXXX this would not be an issue. BB & T 's lending practices are irresponsible and reckless, not to mention financially crippling to consumers like myself. Please assist in making sure that consumers like myself are not victimized this way in the future and force BB & T to better service their customers. What has happened to my family is in my eyes criminal and now my entire monthly salary will have to pay this mortgage payment until I can sell this home that we can no longer afford due to the careless lending practices of this company. Please help!
Product: Checking or savings account

I received an email stating : Online application is in progress XXXX XXXX, We have received your application for the following product ( s ) : Bank of America Advantage SafeBalance Banking Account Confirmation number XXXX XXXX Then a follow up email stating : Your new account is open Great news! The following account ( s ) are open : Bank of America Advantage SafeBalance Banking Account # : XXXX And a third email stating the debit card was being mailed. 

But I did not open any bank account with Bank of America. I have checked my credit reports and all accounts, and there is no problem anywhere else at this moment. And this is the SECOND time this has happened. The first time was on XX/XX/2022. I feel like there is an employee inside BofA that is doing this because they would need my complete social security number and other information in order to open this account without my knowledge. I think this needs investigated thoroughly.
Product: Mortgage

XX/XX/2022 I received a letter from debt collector Flagstar Bank with a offensive language for this alleged debt I requested from them several times to be validated by gaap the numbers do not add up I have a different accounting than they have. I noticed that the trustee has sent me several statements ( open end credit ) and coupons I have been sending them in they have accepted them. They have received credit but have not adjusted my balance correctly. they are adding outside fees a separable promise to pay while committing trust fraud. I have made multiple attempts to resolve this matter in writing. they have violated the fiduciary relationship, they have never considered my best interest.
Product: Credit reporting or other personal consumer reports

In XXXX, I purchased a vehicle from XXXX XXXX. It was financed by XXXX XXXX XXXX XXXX I Surrendered that vehicle in XX/XX/XXXX. It was always in the shop. XXXX XXXX and I reached a XXXX XXXX XXXX XXXX. According to our agreement payments will be processed the day received. However, XXXX XXXX XXXX have been reporting my payments late to the Credit Bureau. 
This is having a negative effect on my credit report. XXXX XXXX XXXX does not have a judgement against me it is an agreement which I have paid on time. 

According to the State Laws on time payments must be reoprted on time and it is also stated in our agreement. The agreement was to pay {$2300.00}. In XXXX I paid {$1200.00} and began paying the balance in XX/XX/XXXX and from then to XX/XX/XXXX payments have been paid on time. Please see the attached douments.
Product: Vehicle loan or lease

Reason : Company broke arbitration clause in the contract and sold vehicle without proper notification. Company placed charge off on credit report before vehicle sale was complete.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally request the removal of a fraudulent account from my credit reports. In or around XX/XX/year>, my card issued by XXXX  was compromised. Upon discovering the fraudulent activity, I promptly contacted XXXX to report the issue. They subsequently canceled the account ; however, no one contacted me to review the fraudulent charges or provide clarification regarding the investigation. 

Despite my repeated requests, I have not received any information or an explanation from XXXX regarding the investigation. The physical card number was stolen, which XXXX has claimed is impossible. However, from my research and reading similar cases online, it seems such thefts are not uncommon. 

Unfortunately, this fraudulent account and its charges are still being reported on my credit files, negatively affecting my credit standing. As these charges were made without my knowledge or authorization, I kindly request that you assist me in having this inaccurate information removed from my credit reports at all relevant credit bureaus. 

I appreciate your prompt attention to this matter and thank you in advance for your assistance.
Product: Credit card or prepaid card

XX/XX/2017 applied for a new American Express gold card and was told I would receive 0 % interest on all purchases for 1 year as well as up to XXXX XXXX bonus points on purchases made in the first 3 months. 


In XX/XX/XXXX, when I realized I was not receiving bonus points or 0 % interest I called and they opened a complaints ( XXXX ) and said they would get back to me. Name was XXXX and he said I would have a response in a few weeks. Never received a response back. Called again on XX/XX/XXXX and again was told that we were valued clients ( my husband  has been a cardholder for many years ) and I would receive a response by mid XX/XX/XXXX. Again, never received any response. 


Called again on XX/XX/XXXX and " XXXX '' a manager set up call back for XX/XX/XXXX at XXXX central time. Never received a call back. Called them at around XXXX and was told the " ID '' number XXXX XXXX gave me was not a valid " ID ''. Spoke to " XXXX '' " ID number XXXX who told me she would have her supervisor and a manager review and get back to me. Said she was not authorized to give me their names. No one called me back. 


Called again on XX/XX/XXXX and spoke to XXXX who transferred me to XXXX. XXXX assured me that I would have a response by Monday, XX/XX/XXXX. 


On XX/XX/XXXX, " XXXX '' called me back and said they had reviewed the " recording '' and they would not be honoring the 0 % interest or bonus XXXX points. I asked to have the recording send to me and he called me back and said I would have to have a subpoena. I then tried calling my phone carrier and they said they do not maintain copies of private conversations. 


For starters, I would never have charged that much and left it on the card if I was going to be charged interest. American Express records will show that we typically pay off our card every month. Since I first realized the issue in XX/XX/XXXX, and tried to get it resolved, an additional {$2000.00} in interest has accumulated. Over {$3000.00} total for the year.
Product: Credit card or prepaid card

XXXX XXXX apx XXXX XXXX contacted call center. Talked to 3 employees of back card and told each of them of the 4 pending transactions that were fraudulent. 

XX/XX/21 XXXX boost mobile pending {$100.00} XX/XX/21 XXXX XXXX pending {$50.00} XX/XX//21 XXXX XXXX pending {$10.00} XX/XX/21 XXXX XXXX pending {$10.00} First employee could not start a Fraud claim. First employee could not answer my question to just reverse the charges. Second employee. Did not start a fraud claim. And could not reverse the charges. Second employee did notify me that there was other activity on my account but the funds were not there. Transferred me to a supervisor. 
Explained to the supervisor Of the four pending Charges. Also asking him to reverse the charges they did not belong to me. Put me on hold and was disconnected. 
Total Time one and a half hours. 

Approximately XXXX XXXX my account was closed. no card was ordered for me. 

XXXX XXXX XXXX XXXX  I filed a police report. 
XXXX XXXX XXXX XXXX Made several attempts to contact bank, all calls went to recording and then call ended XXXX XXXX. Contacted Social Security, They made contact with With agency to get a new card Sent to me. 
XXXX XXXX XXXX XXXX XXXX XXXX, made several attempts to call bank received the same recording where the call would end. 

XXXX XXXX. Receive my new card to activate. New card entered into the phone customer service Now answers. Per Regulation E, Reported Fraud within 24 hours, bank did not-start a fraud claim until XXXX XXXX. As requested by bank to expedite, send fax per bank. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Faxed several times, no response. 

XXXX XXXX contacted bank gave me new fax number. 

XXXX XXXX XXXX XXXX, now 2 faxes attempting several times on automated re-fax. No response. 

XXXX XXXX received fraud claim in mail. 

XXXX XXXX. Three Separate faxes all went through including fraud claim, asking for an explanation of why claim was not started on XXXX XXXX. 

Today XXXX XXXX, 19 days after fraud still no provisional credit on my account. No call back or text sent from bank about fraud investigation.
Product: Credit reporting or other personal consumer reports

Equifax has reported a XXXX account as opened on my credit report however it shows closed, they failed to delete this inaccurate remark when a dispute was filed!