23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am currrently in Forebearance with my loan with XXXX 

I sold the property the loan was under so that I could pay off this loan since it was a rental property and I am not getting any income and am behind on the payments with the forebearance. 

However, after selling the property the escrow closed on XX/XX/XXXX and the escrow company wired a payoff amount to the company which they considered incorrect as it was short {$980.00}. The payoff amount was calculated to XX/XX/XXXX but the escrow company prorated the pay off to the date of XX/XX/XXXX and sent a wire transfer for an incorrect amount. 

I contacted the company and at first was told I could pay the {$980.00} via a phone payment to them and then the wire transfer they rejected could be resent by the escrow company to close the loan and I would then be refunded the difference after they closed the alone between the amount actually due and the pay off amount given for XX/XX/XXXX. However, the escrow company did not receive the wire transfer back and when I spoke with management instead they insisted on refunding the {$980.00} that I payed them back to my account and that the escrow company needed to wire transfer the full amount to them or they would not close out the loan although the deed was already transferred to a new owner. 

I was given a pay off from the escrow company and now I have to wire them back money to have them resend a new payoff to the loan company as they in turn refund me the difference with the payment that I made. In additiona they are taking XXXX or more days to process and return the payment so the escrow company can not rewire the pay off amount to them yet.
Product: Checking or savings account

I was a victim of fraud. Using the service XXXX, i sent someone who was supposed to sell me an item {$300.00}, as requested on XX/XX/2018. I told Wells Fargo about the scam and they refused to do anything about it. Even though it was their service.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries on my credit report resulting from a recent data breach in which I became a victim of identity theft. I am invoking my rights under 15 U.S.C. 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), which entitles me to have these accounts and inquiries permanently blocked and deleted from my credit file.The following fraudulent accounts should be blocked and deleted from my credit report : XXXX. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$120.00} XXXX. XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$340.00} XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$460.00} Additionally, I request the removal of the following unauthorized credit inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I refinanced my loan thru HARP. My escrow was raised from $ XXXX/month to $ XXXX/month. I have repeatedly asked what they are paying and to give me a breakdown. No one can answer this question. They say they are only paying my taxes ( which is $ XXXX/yr ) and they have made the payment for the last several years so they know. If you do the math at $ XXXX/mo, they are collecting {$6100.00}. I have spoken with them about this since XXXX and they will not give me a straight answer. And they refuse to do another analysis and check why it is so high.
Product: Debt collection

ON XX/XX/XXXX, at XXXX ( PST ) a man served me with papers. Reading papers it was from XXXX XXXX. A bill from XXXX. Contacted XXXX to find out what bill this was since I never received any notification that a bill was in jeopardy. Was told account was sold to XXXX. They in turn stated the bill was OUTSOURCED and was unable to give any information and contact attorney that is doing, but the attorney is requesting by the court for me to locate documents proving I don't own this account. If I can't get original documents or charge off paperwork how can I prove anything? No communication from anyone by phone or mail has been received. 
XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX, {$270.00} I stated to Rep that account does not belong to me and Rep agreed to remove false information.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because XXXX, XXXX, and TransUnion have refused to remove fraudulent accounts and unauthorized inquiries from my credit report, despite multiple dispute attempts. These violations infringe upon my rights under Section 609 ( a ) ( 1 ) ( A ) of the FCRA [ 15 U.S.C. 1681g ( a ) ( 1 ) ( A ) ], 12 CFR 1006.34 ( b ) ( 5 ), FCRA Section 605B [ 15 U.S.C. 1681c-2 ], and other consumer protection laws.

The following accounts were fraudulently opened in my name : Fraudulent Accounts : XXXX XXXX Open date : XX/XX/XXXX XXXX XXXX  Open date : XX/XX/XXXX XXXXXXXX XXXX XXXX Open date : XX/XX/XXXX XXXX XXXX XXXX Open date : XX/XX/XXXX XXXX XXXX XXXX  Open date : XX/XX/XXXX XXXX XXXX XXXX Open date : XX/XX/XXXX These inquiries were unauthorized : Fraudulent Inquiries : XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX These inaccuracies have caused severe damage to my financial standing and mental well-being, including denied credit and housing opportunities. I demand immediate resolution and request that the CFPB investigate these violations and compel the credit bureaus to take corrective action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Items were disputed. They were given 30 days and did nothing. Now they are breaking the law, both Federal and state by not deleting the items.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed items, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the following items from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I am writing to formally lodge a complaint regarding the mishandling of my XXXX discharge request and the delay in issuing a refund from my student loans. 

On XX/XX/year>, I sent an email to Mohela confirming that XXXX had uploaded documentation proving my permanent discharge, effective XX/XX/year> which is due to my status as a 100 % total and permanent XXXX vet. XXXX had previously notified Mohela on XX/XX/year>, regarding this matter. Despite these notifications, I have not received any confirmation or action from Mohela. I have uploaded to them the documentation from XXXX with no confirmation of these. I will include XXXX documents showing permanent discharge. 

Additionally, on XX/XX/year>, I called Mohela to inquire about the status of my discharge and refund. The representative informed me that Mohela had not received any information from XXXX, which contradicts XXXX 's confirmation of sending the necessary documents on XX/XX/year>. 

Furthermore, in my email on XX/XX/year>, I reiterated that XXXX XXXX Discharge had notified Mohela of my permanent discharge on XX/XX/year>, due to my status as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX veteran. As per the terms of the discharge, I am entitled to a refund of approximately {$3500.00}, which includes payments made after XX/XX/year>. 

Despite these clear notifications and follow-up attempts, there has been no response or acknowledgment from Mohela regarding the processing of my XXXX discharge and refund. This lack of communication and failure to act promptly is deeply concerning. 

As a result of these unresolved issues, I am left with no choice but to escalate this matter further. If this issue is not resolved promptly, I will proceed to submit a formal complaint to the Consumer Financial Protection Bureau to ensure my rights are protected and this matter is resolved in a timely manner. 

Please acknowledge receipt of this formal complaint and provide me with a detailed timeline for the resolution of this matter. You can reach me at [ Your Phone Number ] or [ Your Email Address ] for any further information or clarification needed. 

Thank you for your immediate attention to this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuit to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. Company also has NO permission to report ANYTHING using my information pursuant to 15 USC 1681 4. 

I am writing to dispute the account that are currently being reported on my credit report. I initially disputed these accounts due to identity theft concerns, but now I am disputing them because the debt has not been validated within the required timeframe. I do not need to provide further documentation and I am not required to do so. 

As you are aware, under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or incomplete information on their credit reports. Furthermore, the FCRA requires that credit bureaus investigate and respond to disputes in a timely manner. The creditor reporting the negative accounts is also required to do this with the same guidelines or they have to delete the accounts and stop reporting. 

Not only did you fail to properly validate the debts within the 30-day period, but they also failed to do so within the 45-day and 60-day periods allowed by law. I have disputed these debts multiple times, but the credit bureau has not provided adequate validation for any of them. 

According to the Fair Credit Reporting Act, Section 623 ( a ) ( 6 ), " If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall ... conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. '' I have taken the necessary steps to address this issue with you, but your response has been unsatisfactory, and they have acting negligently and not in a timely manner. 

Therefore, I believe that you have violated my consumer rights by failing to comply with several federal laws, including the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. These violations include, but are not limited to, attempting to collect a debt that has not been validated, harassing me with multiple phone calls and letters, and reporting inaccurate information to credit reporting agencies. 

I request that you investigate this matter and remove and delete the disputed accounts from my credit report as soon as possible as you are violating 15 USC 1692g. Please. Please provide me with written confirmation of the deletion of these accounts. This is a time sensitive matter and I have already been denied a home loan because of the inaccurate reportings and should this matter not be resolved as soon as possible then I will be taking legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

These 7 accounts ( attached ) were first opened in the XX/XX/1980 's. I have been enrolled in several different payment plans and I have never once been late. ex : After I would complete a 12 month plan then I would receive information from so many different collection agencies instructing me that my account had been transferred and that I would be notified by mail whom the next collection agency would be. I always kept up my end of the bargain. Keep in mind I was always asking for deferment, constantly explaining my hardships. However, I completed every payment plan they set me up on and I believe it was a total of 3 - 5 maybe. I have been on a income based repayment plan for several years ( attached ) and I don't think its fair to continue to report this to the credit bureaus. I can not rent an apartment or even think about getting a job because this bad report keeps showing up on my credit. 
Furthermore ; these loans are from me attending several schools ; XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, Under the FCRA, Fair Credit Reporting Act, 609, 611, and 623 in the FCRA, I would like to dispute this delinquent reporting.

I am humbly requesting that Bank of America with a reported balance of {$16000.00} be removed from my credit report as at the time, I was only a young, oblivious authorized/joint user who was added to this account.

It appears that the primary account holder, my older brother may have innocuously added me as an authorized user without my express consent for the sole purpose of trying to establish/build my credit score at the time when I was younger and did not have credit.

I have perpetually been denied many credit cards, loans, mortgages, and countless opportunities as a result of this negative, perpetual delinquency that continues to harm me as an oblivious, Joint user. Thus, I am humbly asking that you please stop reporting and remove this delinquency from my credit report so that I may finally soon be an aspiring homeowner, and move on with my life for my and my family. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX & XXXX  Date of Inquiry XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you 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 items : 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: Mortgage

Bank of America has been Dual Tracking me for years unofficially and since XX/XX/XXXX publicly. 

On XX/XX/XXXX Bank of America incorrectly denied me MHA HAMP. On XX/XX/XXXX Bank of America incorrectly denied me an appeal. On XX/XX/XXXX Bank of America made me a settlement offer for their wrong doing on a previous MHA HAMP. On XXXX XXXX, XXXX Bank of America forwarded my account to foreclosure. On XX/XX/XXXX Bank of America negligently denied me MHA HAMP. On XX/XX/XXXX Bank of America incorrectly denied me MHA HAMP on appeal. On XX/XX/XXXX Bank of America granted me MHA HAMP and a MHA HAMP TPP on appeal. On XX/XX/XXXX Bank of America fraudulently denied me MHA HAMP through CRM/SPOC issued correspondence and continued to do this through XX/XX/XXXX. In XXXX XXXX Bank of America put a cease and desist collections code and tag on my account. On XX/XX/XXXX Bank of America fraudulently reaffirmed the incorrect appeal denial. On XX/XX/XXXX Bank of America removed the cease and desist collections code and tag on my account. On XX/XX/XXXX Bank of America made me a settlement offer for their wrong doing during the modification process. On XX/XX/XXXX Bank of America incorrectly caused to be recorded a Notice of Default. On XX/XX/XXXX Bank of America negligently caused to be recorded a Notice of Trustee 's Sale. On XX/XX/XXXX Bank of America fraudulently caused the sale of my home and property. On XX/XX/XXXX Bank of America fraudulently caused the recording of a Trustee 's Deed representing to me and the public my home and property had been sold at public auction. 

I am the only constant player in this whole ordeal. No one knows better than I the who, the what, the how, and the why of what went down from start to finish during and throughout the loss mitigation processes. 

All previously mentioned resolutions are desired and mandatory.
Product: Debt collection

The company NC Financial has been reporting on my consumer report incorrect information. It's reporting as a charge off and a collection at the same time. But doesn't show who owns the account currently. This is a violation of the FCRA 1681s-2 as they have the responsibility to furnish accurate information to consumer reporting agencies.

They also have not complied with the FCRA and replied to my requests for validation per 15 U.S. Code 1692g.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and concern regarding the multiple unsuccessful attempts I have made to correct late open account associated with my financial profile. The continued presence of these inaccuracies on my records is causing significant distress and affecting my financial well-being. I initially brought these issues to your institution 's attention, with the hope that the necessary corrections would be made promptly. However, despite my multiple efforts to rectify this situation, I have yet to see any meaningful resolution or progress. The late open account that are currently appearing on my financial records are having adverse consequences on my creditworthiness and financial stability. They are making it challenging for me to secure loans, credit, and favorable interest rates, thus impeding my ability to meet my financial obligations and achieve my financial goals. I first submitted a request to correct these late open account, providing all the required documentation and evidence to support their inaccuracy. Nevertheless, my request was denied without a clear explanation or thorough investigation. Determined to rectify this issue, I submitted a second request, reiterating the evidence that these late open account was erroneous. To my dismay, this request was also denied without any indication of progress or resolution. Following these unsuccessful attempts, I made a third and final effort to address this matter, with the expectation that my concerns would finally be addressed appropriately. However, I have received no communication indicating that my dispute is being actively investigated or that there has been any progress toward its resolution. I urgently request that your institution takes immediate and effective action to correct this situation. I expect a comprehensive review of the late open account and, if found to be inaccurate, their prompt removal from my financial records. Furthermore, I request written documentation confirming the correction of this inaccuracies and their impact on my credit profile. I also urge your institution to improve its dispute resolution process to better serve customers. The repeated failures to address this matter properly have eroded my trust in your ability to handle financial matters accurately and fairly. Please assist me to correct the following late open account from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following were unauthorized hard inquiries that were made to my credit report. 

XXXX ( Finance ) XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I called XXXX XXXX ( BG ) on XX/XX/XXXX to renew my annual pass. I paid {$210.00} for my renewal. No problem or so I thought. The next day I checked by XXXX account and noticed that I only had a pass for XXXX not XXXX and XXXX XXXX like I previously had. I called the next day to get the issue corrected. The call was disconnected before we could correct the issue. I called back again the next day. During the initial conversation it didn't see as thought XXXX would correct the issue and I told them I was filing a dispute with my credit card company and did so while I was on the phone with them. After about an hour or so on the phone the representative said they would get my pass fixed to the two parks, but it would take about three weeks. I was hesitantly satisfied with the resolution, but canceled my dispute. Come mid-XXXX I check my account to see how things are going and low and behold I have no pass at all. I called XXXX again. I inquire about my resolution and about a refund at this point again because of the not being able to use the pass for time that I paid for. The supervisor then informs me that they will do nothing. I am now left with XXXX pass after paying for yearly pass less than one month after purchasing said pass and never using it. 
On XX/XX/XXXX, I filed a XXXX  complaint against XXXX. During back and forth emails with XXXX they claim that they issued a refund on XX/XX/XXXX. I forwarded the email from the merchant to the creditor on XX/XX/XXXX. The creditor responded with a letter dated XX/XX/XXXX it states, We previously disputed this charge for you and we took the funds from the merchant. Per their admission they returned the funds to the merchant. At no time have they ever claimed to have returned the funds back to XXXX XXXX XXXX XXXX XXXX XXXX. I have repeatedly requested the date that they funded the merchant and the creditor refuses to provide this information. I believe they have taken the money from the merchant while keeping the charge on my account. 
XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) sent me their copy of the return of my funds on XX/XX/XXXX. I forwarded that information to the creditor with a request for when the funds were returned to the merchant. The creditor issued a letter dated XX/XX/XXXX stating they have not received a credit from the merchant and a threat that they would penalize me with the credit agencies even though my account has always been up to date and paid in full at every due date.