23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a mortgage with Bank of America, I did a loan modification last year and all way good. This past XXXX they raised my payment {$700.00} and said it was because my escrow was short {$5000.00}. I asked why this amount was n't added into the modification. They told me it was missed. I was also told that I could do another loan modification in a year and I was at 8 months from my last XXXX. So I did n't make my XXXX, XXXX, XXXX, XXXX payments and I started the loan modification process in XXXX. after a lot and I mean a lot of faxing, explaining, and showing prof of earnings. I get an answer, I do n't qualify. That same week I get a letter saying Its not 12 months to do a re loan modification it 's 24 months. So I filed a complaint with the CFPB and got a response from Bank of America with in 2 days. I was assigned a Customer Relations Manager. I talked with him and was told he will work hard to come to a resolution to the complaint. Now I 'm behind 6 months on my mortgage. He tells me to make a payment for XXXX of {$400.00} more then my original modification amount. So I did, he says now I 'll only be behind 6 months behind and my XXXX payment will only " Get this would be {$100.00} more then, my original loan modification. Then I get a letter in the mail XXXX/XXXX/2015 saying that a escrow review was conducted and my escrow account is now NOT negative. I call Bank of America today to Just find out where to send my XXXX payment. The customer care guy says that my house is in foreclose and a sales date could be at anytime. he also tells me that I 'm 7 months behind not XXXX. I asked to speak to my Customer Relations manager, He says I am no longer assigned XXXX. Also he tells me that Bank of America will not except any payments, The only payment that they will except, is XXXX that will bring my mortgage current. So I ask him whats the total amount to bring it current, He says I do n't know. He 'll have to email the lawyer that is handling the foreclose. I said, can I contact him, He says no, I ask to talk to my customer relations manager, He says no he 's not allowed to transfer me. So in short of it all. Bank of America took me on a 6 month, Stressful and pointless circle for {$100.00} which set me back 7 months on my mortgage and looks like getting foreclosed on. Thank you Bank of America.
Product: Money transfer, virtual currency, or money service

Dear PayPal Customer Service, I am writing to appeal the permanent limitation on my PayPal account ( email address : XXXX ). I strongly believe that this limitation was placed by mistake, and I respectfully request that you re-investigate my case and restore my account if possible. 

Firstly, I would like to emphasize that I have not violated any PayPal policies or engaged in any fraudulent activity. I have been a loyal and honest PayPal customer for many years, and I have always strived to comply with all of your policies and regulations. 

Secondly, I was taken aback when I received the notification that my account had been permanently limited. I have reviewed my account activity and can not identify any reason for such action. Therefore, I kindly request that you provide me with specific details on the reason for the limitation, as well as the evidence that was used to justify this decision. 

Thirdly, I understand that PayPal takes compliance with its policies very seriously, and I share this commitment to ensuring the integrity of the platform. However, I respectfully request that you consider my appeal and provide me with an opportunity to resolve any issues or misunderstandings that may have led to this limitation.

Finally, I would like to express my sincere hope that we can resolve this matter quickly and amicably. I value my relationship with PayPal, and I would be grateful for any assistance you can provide in resolving this issue. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, [ XXXX XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported XXXX  XXXX XXXX and XXXX XXXX dollars in student loans under my name. Some of these loans were transferred from the old servicer XXXX XXXX XXXX XXXX XXXX to XXXX XXXX. The resulting reporting dropped my credit score XXXX points. I am disputing the accounts and " reported inaccurately '' and " monthly payment obligation on account incorrect. '' The accounts should be listed " Account in Dispute '' and a remark should be placed on each student loan listed as XXXX XXXX.
Product: Credit card or prepaid card

An account was opened for XXXX without my knowledge, and later used to make a purchase ( again, without my knowledge ).
Product: Mortgage

-Started process XX/XX/2023 to refinance a property I own and wanted to change companies of the hard money loan I already have. I told the agents, XXXX XXXX and XXXX XXXX of Doss Home Loans , LLC, that this needed to be done quickly because of the charges I occur from the latter company monthly and I couldnt afford to drag this out over 30days. I was assured they would get this done in that time period as to not cause me more interest and finance charges. This is not what occurred. It is now XXXX XXXX, XXXX  and we still havent gone to closing. Also, some other actions were taken by Doss Home Loans agents that I believe werent needed or up to normal required or legal practices ; which include making us change the property deed out of my business name to my minority partners name without permission from the original lender, which I believe may be a requirement. I never wanted to do this is the first place but they said it had to be done. We were also asked to get several documents notarized that were already legal and filed with the state of Texas ( discriminatory ), these documents do not need to be notarized. This refinance loan was for DCSR for my business rental property. Because of this companys failure to complete this refinance weve lost thousands in potential rental income, its negatively affected my credit score, and weve incurred XXXX in additional mortgage costs & taxes. This has been very stressful and a hardship for me and my business.
Product: Debt collection

Allegedly, according to Spring Oaks Capital LLC on XX/XX/year>, I opened an account with Spring Oaks Capital LLC ( Original Creditor ). I have never done a loan or any other type of business with this company. I have disputed this with them and with the credit bureaus to no avail. The bureaus have not removed the bogus information. You can not owe money to a company you have never done business with or agreed to a loan. This is fraud. They can not prove I ever signed for, received, or used this money because I never did sign a loan, receive money or use money they never gave me.
Product: Credit reporting

The creditor has been making false negative reports for almost 12 years ... I have not done any business with that specific company since 2006, which is well past the 7 years for negative porting to be allowed. I have submitted several disputes via the Internet, mail, & phone with TransUnion to remove this item from my credit report as it creating a tremendously negative impact on my TransUnion report.
Product: Credit reporting or other personal consumer reports

XXXX Problems with Transunion. 

I have tried for two hours to get connected with a live agent using Transunion online portal, online chat and direct phone calls. I have been sent into a non-stop series of revolving pages, help screens, verification codes, messages, chats, phone calls and nothing but more of the same. At several steps along the way, I was asked to give the same detailed personal information over and over. ie : Name, Address, SSN, Phone Number, DOB, etc. ( online and over the phone ) After exhaustive attempts with their online portal and live chat, I left the online portal and chat to try the phone call and I was connected right back to the same chat person that was online. (? ) What's up with that?? That is when I suspected that something might be amiss. 

Now I am concerned that someone may have hijacked their system and my information has been collected by who knows who.
Product: Debt collection

On XX/XX/XXXX I cancelled an account with XXXX XXXX XXXX because I was highly dissatisfied with their service, I asked for and received the current billing amount owed at the time returned all of the leased equipment and PAID THE ACCOUNT OFF IN FULL! 
I am providing the receipts and emails, there were several collection agencies that I submitted the files to, XXXX would simply hire another, I finally explained I no longer determined this to be an attempt at debt collection seeing as I submitted proof of payment but it was now in fact harassment, In checking my XXXX  credit report I see the erroneous billing included in my credit report! 

New collection DIVERSIFIED ADJUSTMENTS XXXX  XXXX, XXXX, XXXX BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE DIVERSIFIED ADJUSTMENTS XXXX XXXX XXXX XXXX XXXX XXXX, MN N/A UNPAID $ USD XXXX
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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: Debt collection

I've seen a medical bill on my credit report, when I contacted the company they informed me it was from an emergency room hospital visit that I was not aware of. I contacted XXXX XXXX Hospital and they have no records of me having an emergency Hospital visit on XX/XX/17. I asked the collection company to provide me with the contact number of the agency providing them with the information and was told that they don't have the information and I was seen on that date. I contacted the collection agency at ( XXXX ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian keeps reporting a XXXX  account paid in full and more than 7 years old. This account should be removed from my report. 

This item was already removed by XXXX  Credit Bureau.
Product: Debt collection

For more than 2 months this company has been calling about and placed Collection notices in my credit report for private student loans from XXXX XXXX XXXX XXXX. These loans are past the statute of limitations in Florida as they are more than six years old. 

Furthermore, I am a XXXX XXXX  XXXX veteran adjudicated since XX/XX/2013. I have had legal representation on all debt since XX/XX/2013 and XXXX XXXX XXXX was notified of my XXXX and legal representation. It is a violation of the FCRA for these calls to have happened at all given my legal representation. 

Additionally the companies through their acts have tried to illegally reage these loans and they are reporting them as opened 3 months ago when they are past the statute of limitations for debt. 

These actions also violate the consent order by the CFPB and XXXX XXXX XXXX XXXX case Case XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Experian is reporting inaccurate information on my credit report that has not been verified under federal law nor have I consented to the reporting of this inaccurate information. The inaccuracies and failure to reinvestigate this information has caused me financial harm and injury.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  DATE OPENED XXXX {$390.00} ACCOUNT NUMBER XXXX PLEASE REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT
Product: Bank account or service

My parents XXXX XXXX XXXX XXXX banked at Chase prior to both of there deaths. I want to know how a bank account can remain active after their deaths and if the bank has any property under my father XXXX XXXX. 
I am not sure why this account was able to have someone access it and transfer money into it which my attachments upon close review demonstrate this. I am attaching files which show the timeline of employees interaction upon his death. I want to be allowed to review his estate matters as no administrator. I want permission which as a person in his will and the Texas law allows As I have a certified copy of his will and his death certificate. 
I request information on both my parents to be reviewed. under the Texas Estste Code : Sec. 151.003 EXAMINATION OF DOCUMENT OR SAFE DEPOSIT BOX WITHOUT COURT ORDER ( a ) A person who possesses or controls a document delivered by a decedent for safekeeping or who leases a safe deposit box to a decedent may permit examination of the document or the contents of the safe deposit box by : ( 1 ) the decedent 's spouse ; ( 2 ) a parent of the decedent ; ( 3 ) a descendant of the decedent who is at least 18 years of age ; or ( 4 ) a person named as executor of the decedent 's estate ina copy of a document that the person has and that appears to be a will of the decedent. 
( b ) An examination under Subsection ( a ) shall be conducted in the presence of the person who possesses or controls the document or who leases the safe deposit box or, if the person is a corporation, an officer of the corporation. 

I look forward to visit and review by parents closed accounts.
Product: Credit reporting or other personal consumer reports

I did not authorize these fraudulent inquires XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Neither did I consent to them
Product: Debt collection

Date Submitted : XX/XX/2020 Company : WAKEFIELD & ASSOCIATES I Address : XXXX XXXX XXXX XXXX, XXXX, TN XXXX Amount {$3200.00} I dispute this collection because the amount keep increasing.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I mailed an dispute to Experian certified return receipt and they received it on XX/XX/year> at XXXXXXXX XXXX. in XXXX XXXX XXXXXXXX. Today. XX/XX/year>, I received an email from Experian regarding my dispute, in which they stated they received my information but sent a stall letter claiming they did not believe the dispute was initiated by me. This is despite the fact that I provided them with a recent utility bill and my driver 's license as proof of identity. 

It appears that this may be an attempt by Experian to stall the investigation rather than conduct a thorough review of my dispute. I am concerned about their response and the implications it may have on the resolution of my issue.
Product: Debt collection

XXXX XXXX XXXX XXXXContract Callers Inc. - wrongful debt claim This is regarding an alleged outstanding balance of {$170.00}. I have disputed this balance several times with XXXX XXXX directly as well as with Contract Callers Inc. collections agency. I even pointed to XXXX XXXX XXXX own call recording which clearly confirms that I had NOT signed up for a service renewal in XXXX, as they falsely claim, which then I supposedly terminated prematurely hence owing the {$170.00} cancellation fee. 

Despite my repeated efforts to dispute this charge, and even by trying to have a XXXX XXXX call rep manager listen to that call recording, they still sent this wrongful debt to Collections anyway and reported to CRAs. This has tarnished my otherwise very good credit score/history and I am now unable to get a good interest rate on a new home mortgage. 

Just recently, I also disputed this bad debt record with XXXX directly, but to no avail since they tell me that XXXX XXXX is insisting that I owe this debt still. 

I will continue to pursue this wrongful debt to clear it from my record. My last resort would be a legal approach, but thought I'd try with CFPB first.
Product: Credit card or prepaid card

This is for capital one XXXX  card Basically on the website it says for approved clients they would receive XXXX $ after spending XXXX. There is a point made that clients who have had this card in last 48 month will not qualify for this. That's the only thing on the page. 

When I agreed to sign up for the card I assumed if I get approved then I would qualify for the bonus too. 

Company said that not everyone will qualify for the bonus regardless if the person qualifies for the card. No where in the page did it say that. 

Here is link to the page https : //www.capitalone.com/credit-cardsXXXX  I viewed it on mobile. I also took screen shots
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I was sent {$50.00} through XXXX. On XX/XX/year> I was sent {$20.00}. Each deposit made was done so while purchases were pending. When there are purchases withdrawn from my account & held for the merchant to take... and I receive a deposit while this process is happening, Bank Of America 's system takes the money they took for the purchase AND my refund/deposit. This has happened to my husband and I for years until the big scandal when BOA took money from SO many account holders they couldn't brush it off as the customer 's mistake. Now that the heat is off, they are taking money again. I filed a complaint before when BOA took my {$350.00} refund from a car rental company about 3 years ago. This company has committed fraud before and been sued so many times, but only big companies are receiving repayment for their losses. Where is the advocate for us? I am not rich. I know how I i spend my money. I want my money back. How can they be allowed to keep stealing from us without retribution?
Product: Debt collection

XXXX XXXX with XXXX XXXX pretended to be an attorney and threatened to have our daughter arrested over a debit to Wachovia Bank from 2009. The amount he tried to collect is also XXXX the amount she owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not updated my credit report, score nor have they remove or deleted any of the inaccurate information. I filed a dispute on XX/XX/2021. In regards to the incorrect items on my credit report and it has been well over 30 days and I have not received any investigation results.
Product: Mortgage

Currently I have an FHA loan with Nationstar mortgage,  XX/XX/XXXX  I received a HAMP modification I fell behind because I had to replace my roof of my home. I filed for Chapter  XXXX  bankruptcy  XX/XX/XXXX  to keep my home  XX/XX/XXXX  I applied for a Loan modification again I was told I would not qualify until  XX/XX/XXXX  for another modification which would be 2 years from the previous one, It was denied  XX/XX/XXXX  saying I had a previous modification. I applied again and now they are saying I There is a Government Investor and I would not qualify for a modification until  XX/XX/XXXX  now 3 years later, can you please look into this for me I have been trying diligently to get the payment modified now that I can afford it again.
Product: Student loan

I cosigned for a private student loan for XXXX my kids with Sallie Mae. 
Since she graduated, Sallie Mae calls my cell phone and work phone several times a day about paying this loan off. I have asked them to not contact me by phone and only in writing, but the calls continue. 
I have received no documentation through the mail, only this constant barrage of calls. They are attempting to harass me into paying them even though I just cosigned the loan.
Product: Credit reporting or other personal consumer reports

I have multiple fraudulent accounts, Names, addresses and phone numbers on my credit report I disputed them and the CRA removed what they wanted too not what I reported to them and then they never responded to me with how they verified or with what info they used. So I filed a Identity Theft report with the Identitytheft.gov I was going to file with local police but they told me because I did not know who the crime was committed by that they cant take a report. So I filled out a affidavit and had that notarized and sent everything to Transunion via certified mail with return receipt. They in turn just sent me a letter via internet telling me that they verified the debt as accurate with no investigation steps taken to verify the debt. This took over 45 days and they are playing games by investigating accounts that i did not dispute. They have also allowed companies to view and receive my credit reports and private information that i never authorized multiple times. I am a XXXX XXXX XXXX XXXX XXXX  who has been homeless for the last two years and currently living in a shelter because of the fraudulent accounts that Transunion lists on my credit report are preventing me from acquiring adequate housing for me and XXXX XXXX XXXX XXXX. I am seeking legal council and representation through the VA free of charge to file lawsuits against Transunion for the illegal business practices and the monumental damage they have caused me both mental health wise and financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. I need the following items to be updated or corrected from my report right away : 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