23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am writing to dispute the late payment entries on my Bank of America credit card account, as reported on my credit report. The details of the account in question are as follows : Creditor : Bank of America Account XXXX : XXXX XXXX XXXX XXXX : Account Type : Revolving account Account Status : Open Monthly Payment : {$120.00} Date Opened : XX/XX/XXXX Balance : {$2600.00} High Credit : {$3000.00} Credit Limit : {$2800.00} Payment Status : Paid or paying as agreed Last Reported : XX/XX/XXXX XXXX : Account Type : Credit Card Account Status : Open Monthly Payment : {$120.00} Date Opened : XX/XX/XXXX Balance : {$2600.00} High Credit : {$3000.00} XXXX XXXX : {$2800.00} Payment Status : Current, was past due 60 days Last Reported : XX/XX/XXXX XXXX : Account Type : Revolving Account Status : Open Monthly Payment : {$120.00} Date Opened : XX/XX/XXXX Balance : {$2600.00} High Credit : {$3000.00} XXXX XXXX : {$2800.00} Payment Status : Pays account as agreed Last Reported : XX/XX/XXXX I acknowledge that there were late payments on my Bank of America credit card account in the past. However, I want to bring to your attention that I have since caught up on all payments and have not missed any payments thereafter. 

I take my financial responsibilities seriously, and I have made significant efforts to rectify any past delinquencies. I have established a consistent payment schedule and have been diligently making payments on time to maintain a positive credit history. 

Please investigate this dispute and provide me with written documentation of the results. I appreciate your attention to this request and look forward to a prompt resolution.
Product: Credit reporting or other personal consumer reports

XXXX ) This company XXXX XXXX Balance {$3800.00} Balance updated XX/XX/2024 has reported invalidated information to the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ). This account that I have no knowledge of led to severe stagnancy in my business ventures. 

XXXX ) This company SYNCB/BRANDSMART POTENTIALLY NEGATIVE Balance {$2500.00} Balance updated XX/XX/2024 has reported invalidated information to the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) XXXX This account that I have no knowledge of led to severe stagnancy in my business ventures. 

This company SYNCBXXXX POTENTIALLY NEGATIVE Balance {$3400.00} Balance updated XX/XX/2024 has reported invalidated information to the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) XXXX This account that I have no knowledge of led to severe stagnancy in my business ventures.
Product: Credit reporting, credit repair services, or other personal consumer reports

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  All of these companies have ran my credit profile, not of my knowledge. I have been a victim of fraud, and I did not consent or apply for anything with any of these companies. I have not had any service done by none of these companies. I have never called or applied with any of these companies. I believe it was fraudulent activity not knowing of my knowledge.
Product: Checking or savings account

PayPal informed me via email that my account has been permanently closed despite the fact that I have done nothing wrong. They will not let me access the funds in my account. I do not see how it is legal for an online banking institution to steal my money and not return it for 180 days!?!
Product: Vehicle loan or lease

I tried reaching to Carmax in XX/XX/2024 about getting this vehicle removed off my credit but I have not heard back and I am unable to get the proper number for them to get to the correct dept as I filed a XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat thse items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the itesm listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified this items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

We have a prior case number with the CFPB. # XXXX the account # XXXX. 
On XX/XX/XXXX, we received a letter from Specialized Loan Servicing ( SLS ) stating that the money we paid them was voluntary. yet back on XX/XX/XXXX, the letter we had stated Default Notice and Notice of Intent to Foreclose. 
What we ended up doing was borrowing XXXX from our retirement to reinstate the loan as this was the only real option given by XXXX XXXX, Teller ID # XXXX to protect us from the threatening foreclosure process. Our reasoning was to not lose the sizeable equity we have in the home. 
Since reinstating the loan we have grown tiresome of the company and the way they do business. Fees here and there so we have decided to refinance the home with cash out to pay back the retirement borrowed and to get rid of SLS forever. The payoff they require is XXXX that's XXXX total. Is that fair? 
The original loan was XXXX and it was discharged in the bankruptcy. 
Upon researching this company and I hope you do. You will find they are predatory and are heartless. When you call you can not talk to anyone with a title, nor can you speak to a manager unless you have a CFPB Case #. Even then they are rude and will talk over you and won't let you be heard. 
We wanted to try and settle with the resolution/loss litigation dept and see if we paid a lesser amount to make this go away and the representative named XXXX wouldn't let us speak. They won't even give us a statement of our account. They say the legal dept won't let them. 
We are going to finish the current cashout payoff to get rid of SLS, if there is anything that you can do to help us recoup any of the XXXX from SLS we would appreciate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX Account # 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 an account without my written instructions. 
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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Money transfer, virtual currency, or money service

In XXXX I filed this complaint and and it still has not been resolved. I submitted the forms through and HSBC affiliate in XXXX and never heard back from XXXX or HSBC. 
My original complaint number is : XXXX In XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX an affiliate of HSBC ) and XXXX {$17000.00} as a demand draft ( see attachment ) in preparation for leaving. The demand draft was drawn on HSBC Bank, XXXX. Upon arrival in the XXXX I deposited the demand draft. It was returned without explanation by my US bank ( XXXX ) and stamped " XXXX XXXX XXXX  ''. They issued me a check in XXXX of the original ( see attachment ), which I then attempted to deposit at Bank XXXX XXXX. The teller accepted the check and said it would not be a problem. When the money did not appear in my account after several weeks I called and was told that the check was returned and since they destroyed the original I would have to contact the original bank for another one. Since I was no longer in XXXX XXXX, XXXX XXXX XXXX XXXX  in XXXX XXXX, and they went to the branch with copies of all the attached documents as well as a XXXX. They were told that my demand draft was in fact returned, and the money deposited into my account. However since it had gone dormant, the money was transferred to the XXXX affiliate of XXXXHSBC XXXX HSBC Bank XXXX XXXX I called the HSBC help lines and since I don't have an active account the customer service reps can not help me. I have searched various states ' abandoned property listing and come up empty. I get no response when I email the HSBC addresses on their website.
Product: Credit reporting or other personal consumer reports

I sent certified mail on XXXX XXXX With a requst to remove a account, it was a removel letter and a XXXX  report they did not include on my file a copy of my driver license and ssn card. I talked to someone on XX/XX/year> at Equifax they said it was no XXXX Report on file and then i ask about these comformation numbers : Confirmation number : XXXX XXXX Confirmation number : XXXX Submitted : XX/XX/year> Confirmation number : XXXX Submitted : XX/XX/year> they don ; t see them.I disputed the same account with XXXX and XXXX they fix the problem. I believe Equifax are acting in bad faith, and have not complied with the Fair Credit Reporting Act they hiding information that has been sent in. I have maintained careful records of there actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I received a truck loan from this company in XXXX this company reported that I received the loan in XXXX. I did not sign any documents or contracts with this company in XXXX I surrendered the vehicle theyre showing a repossession on my credit and they continue to update my file on purpose lowering my credit score. The companies name is Forman financial in XXXX XXXX California. I submitted a complaint with the credit bureaus they said the information is correct its not correct. Thank you
Product: Mortgage

We are attempting to get a mortgage and use the VA. The VA broker has asked us to contact Wells Fargo to see if the Home Equity Loan was charged off, discharged because our BK XXXX & XXXX filed in XXXX and show no late pays. We were told it is an open bankruptcy. We asked why we were n't sent to collections. The Wells Fargo rep stated they received the C & D letter from our attorney. 
We are trying to get a payment history from Wells Fargo to show the V.A. proof of no late payments for the last 12 months. It has been asked for verbally, as well as, in written form. The 1st time we asked verbally on XXXX/XXXX/XXXX to have a history back to XXXX XXXX. We received a transaction history that covered XXXX/XXXX/XXXX to XXXX/XXXX/XXXX ( Attachment A ). The 2nd time was the written request ( Attachment B ). I called to follow up on the request from the XXXX. We sent via fax on XXXX/XXXX/XXXX. We called back to follow up XXXX XXXX XXXX ) to find out that the fax was n't received or sent to the wrong number. So we faxed to another fax number on XXXX/XXXX/XXXX and received correspondence via fax on XXXX/XXXX/XXXX ( Attachment C ). The fax from Wells Fargo was received after we called to follow up on the XXXX. We called back on the XXXX to let them know the letter was received and to make sure they knew we were giving it to the VA loan broker ( which is mentioned in the letter ) due to their statement " The information provided below is provided at your request in strict confidence for your use only. '' After showing the letter to our broker over the weekend, we found out the verification of mortgage letter we received did not have anything requested. All payment info was marked N/A. We also sent proof of no late payments from our BK XXXX file showing Wells Fargo did not set up a payment plan with the court. On XXXX XXXX we called to see if they could refax the letter with the payment history information. We were told to send in another fax request explaining in detail what we needed. They stated it would take XXXX to 10 business days so we went to the nearest branch and had them request it via phone to have mailed to us. We do n't know what to do to get the information we need to buy/sell our home.
Product: Credit card or prepaid card

I just ordered XXXX XXXX from Barclays. It was the first payment of {$47.00} I had to make, yet I couldn't find the physical card, which was mailed to me and which I needed to open an online account to submit my payment. Therefore I was 3 days late and was charged {$27.00} fee. I disputed it, but not fast enough, so another {$27.00} fee was added at the same time the original {$27.00} late fee was waived. 

It didn't make any sense to me, so I disputed the second fee too. My request was denied it looks like by a computer. I requested for a human to review my case, but instead I was slapped with a new late fee of {$37.00} and was given lots of suggestions about watching my account. Though obviously I have some experience with that, because I have several other credit cards and my XXXXredit score is above 800. 

There were actually no money I owned to anybody for my purchases. Just late fees on the late fees. So I disputed it again, mentioned about my good credit history, and explained that unless Barclays does what I see as sensible, I don't want to be their customer. As a reply I received instructions how to close my account. 

I followed them at once to avoid accruing even more late fees, and will appreciate your help with recovering the current {$66.00} of late fees and interest on a {$47.00} purchase, which amounts to about 140 % penalty.
Product: Payday loan, title loan, or personal loan

We were paying off the loan I looked at the web site I think it was  XXXX - XXXX -17 to get the pay off which is an option on the payment screen. I mailed a check the next morning for that amount of {$14000.00}. I also sent an email to Prosper to let them know this was the pay off amount of that day, and on the check I wrote payoff amount on this date. They received the check on  XXXX / XXXX /17 but still charge me {$31.00}. I then again sent a email  XXXX / XXXX /17 and spoke with someone at customer service and she told me I need to pay this amount because it still charging interest. I payed this about and they would speak with their manager to get it refunded. On  XXXX / XXXX /17 they sent me this email Prosper Client Services ( Prosper Marketplace Support ) (  XX/XX/XXXX ,  XXXX  PDT Dear  XXXX , Thank you for contacting Prosper.
Mailed in payments can take 7-10 business days to process. in addition, same day payoff quotes are valid only for same day. Therefore, a refund of the {$31.00} in interest will not be issued. As, there is no Prosper error.
If you need any additional information or have any additional needs, please reply to this email.
Thank you, Prosper Client Services ) In all the loan I have ever had when you request a payoff it is good for so many day at that amount without interest still collecting. I know it is not a big amount I guess it is the point they should honor payoff amounts.
Thank you hope you can help me
Product: Mortgage

I was denied a loan modification, twice in the last 2 years by Nationstar Mortgage. After hiring a lawyer and paying for a Mediation, the lawyer and bank have allowed my home go into foreclosure. I am also XXXX, XXXX  XXXX, for the second time and have owned my home since XXXX. XXXX XXXX XXXX ( I was with them for 26 years ) sold my Mortgage to Nationstar after I said I was filing a complaint against them for denying a HARP loan that I was eligible for. XXXX tried to tell me that I needed to be late with my payments to be eligible and I knew better because I had read the stipulations on the Government web sight. When I told them that I was filing a complaint because of false information, they sold my mortgage. Nationstar also told me to be late with payments and I told them it was not correct info. They promised to lower my payments through the Loan Modification Program.  After making the 3 initial payments, I was told to wait until I was notified about my new payment. After several months, I contacted them to find out what was going on and I was told that I had to do the loan modification again, because I didn't send payments, when I was told to wait. I again went through another modification and discovered that Nationstar was reporting me late to the Credit Bureaus. I had to hire a lawyer, who was in bed with the other lawyers and they " kicked the can down the road '' and I now am in foreclosure. I had an IRA that the lawyer told me to drain so that I could make Nationstar a cash offer. I had {$110000.00} and tried to make an offer, through my lawyer, and was never given a payoff amount. The lawyers have charged me almost {$20000.00} and I have accrued charges that are {$41000.00} over what I originally owed. I notified your agency at the beginning of the year, by phone, and NEVER received a complaint form. Thank You for your help with my situation. I have listened to XXXX XXXX and I appreciate ALL that your agency does to help us. We finally have a voice against these unjust practices. I am XXXX years old and have never asked for help and I really need it now. XXXX Bless and Thanks for your attention.
Product: Credit reporting or other personal consumer reports

Re : Complaint Regarding XXXX Data Breach and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive XXXX data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. 
Facts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. 
Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. 
Failure to Maintain Reasonable Security Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data. 
Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach. 
Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1681b : XXXX failed to properly restrict access to consumer information. 
1681e : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security. 
Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq. 


6801 ( b ) : XXXX failed to implement safeguards to ensure the security of sensitive consumer data. 
Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq.

5531 ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures.

Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) XXXX engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I call the credit bureau about the inaccurate inquiries on my report. Their response was that i had to call the company who did the inquiring. Well i did call them right away and they said they would take care of it. They would not send me anything saying that they knew the inquiries were not mine or invalid. I then called the Bureau back and they said there was nothing they could do. Its been over 2 months still no answer. These are the companies and the dates of inquire. XXXX XXXX - Date - XX/XX/XXXX. 
XXXX XXXX XXXX - Date - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Equifax Credit Bureau is reporting inaccurate information on XXXX XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.