23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I can not currently pay my student loans and I reached out to AES for a forbearance. I applied online on XX/XX/year>. 

XX/XX/year> 11 minutes not including hold time - received verbal approval for forebearance. 
Calls from AES continue during this time XX/XX/year> XXXX minutes not including hold time - After seeing this was not reflected on my account, I called back. Received another verbal approval for forebearance Calls from AES continue during this time XX/XX/year> XXXX minutes not including hold time - Followed up again, because verbal forebearance was not reflected in account, nor was the payment my mother made on the account. AES continues to call and harass for payment. I was once again assured the forbearance was approved. It is at 34 days past due and they said they would report this to credit agencies. 

These do not include calls and time spent by my mother, who is the cosignor.
Product: Mortgage

Bank of America Loan # XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXXWe started a short sale with Bank of America XX/XX/XXXX. Bank of America holds the 1st TD position, and also shows as the servicer on title for the 2nd TD. 

There are several issues with Bank of America 's behavior on this short sale. 

1 - We have been trying to find out if Bank of America also still holds the 2nd TD, or to where it was service released for TWO WEEKS. NO ONE will respond to our voicemails, nor our requests in Equator. 
*** Bank of America is OBSTRUCTING the negotiation with the 2nd TD. 


2 - Bank of America repeatedly requests items that do not exist, or that we have already provided. They have been requesting copies of separate business bank statements for the XXXX homeowner, and for XX/XX/XXXX Income Taxes. I have repeatedly sent them SIGNED STATEMENT from the homeowner stating they have not filed XX/XX/XXXX Income Taxes -- this type of statement has ALWAYS been accepted in the past, not only by Bank of America, but every other lender that services short sales. Bank of America has repeatedly rejected this statement. I have also submitted the business bank statements on XXXX - when they were first requested - and Bank of America rejected them anyway. 
***Bank of America is refusing to work on a short sale for someone who has not filed XX/XX/XXXX Income Taxes***Bank of America rejects the exact documents that they have requested - is this another attempt to XXXX the short sale process? 


3 - The Single Point of Contact ( SPOC ) does not return phone calls. 

4 - There is NO ONE at Bank of America that will answer any questions regarding short sales over the phone. All attempts at speaking to someone result in being transferred to a voicemail, which is never returned. Even their normal customer service department, which handles all their financial products, immediately transfers you to the SPOC 's voicemail, saying they have no information and can not help us. 


5 - The negotiator and management refuse to respond to voicemails and messages inside their Equator system.
Product: Credit reporting or other personal consumer reports

Experian credit reporting agency is falsely reporting My " XXXX XXXX XXXX XXXX '' account as delinquent. This account has been current since XX/XX/year>. When I noticed that the credit bureau was still reporting this account as delinquent, I filed a dispute with the credit burea ( Experian ) on XX/XX/XXXX with documentation from the creditors stating that the account is current. On XX/XX/year> Experian refused to correct the account and I filed an additional dispute with the same documentation. On XX/XX/year> Experian refused to correct the information again.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my XXXX consumer report : In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

Accounts incorrect that needs to be deleted : 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

Freedom Mortgage transferred my account to XXXX XXXX bank. I was made aware after logging onto my XXXX app to make a payment to my credit card - there were no communication from Freedom Mortgage regarding the transfer. I called Freedom Mortgage on XX/XX/2023 confirming the transfer and also as the information on my XXXX account was misleading and incorrect. I spoke to a representative who forwarded me the statement of account, and confirmed the payment I made on XX/XX/2023 for XX/XX/2023. He further stated and confirmed that he saw that my account was updated with my XX/XX/2023 payment on XX/XX/2023. He made a request for his department to update my statement and resend to XXXXXXXX XXXX and also told me they have 60 days to make the information correct. To date the information is not correct and XXXX keeps calling me. 

I would like for Freedom Mortgage to honor their contract and update my account with XXXX for my XX/XX/2023 payment. Freedom Mortgage stated in their communication to me that they will accept payment up to XX/XX/2023 and I made my payment on XXXX XXXX. Also, I would like for any interest or fees accrued on my account to be removed. 

I have a 100 % on time payments with all credit cards, etc. and this bothers me that Freedom Mortgage refuses to honor their contract of service. I am very distraught and cry because Freedom Mortgage abuses their authority and is disregarding my efforts. They have not responded to date to my inquiry nor as they updated my account with XXXX. Please assist me on any or all legal formalities I can take.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> These inquiries was not authorized my me.
Product: Debt collection

I got this bill for XXXX $ from XXXX XXXX and I have no idea what it is for. I haven't received any medical treatment for anything that I recall. I tried calling them today ( XX/XX/XXXX ) and the bill I got said to contact them before XX/XX/XXXX so I called them but they said they were closed
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a position at a hospital. XXXX XXXX (XXXX   XXXX) ran a background check on me, which is perfectly fine. However, when I viewed the background check, they have my SSN being issued between XX/XX/XXXX-XX/XX/XXXXand I was born in XX/XX/XXXX! Additionally, they have that I went by 3, yes-count them, three different names! I have NEVER went by another name in my life! This is a real issue! Is this from Experian? What on earth is the problem?!?!? Has my identity been stolen?!?!? Is this part of the reason my credit has gone down?!? I desperately need some help with this as you can plainly see. Please, please someone get back with me on this! Thank you very much for your speedy response.
Product: Debt collection

Unknown to me, XXXX XXXX XXXX XXXX sent my closed account to a collection agency, Credence Resource Management, LLC. XXXX XXXX XXXX had not informed me of any bill due. I had no idea. In the meantime, Credence Resource Management calls me over a XXXX times a day from different phone numbers. They do n't leave messages and when I answer they will not tell me what the call is about. I asked and they said they could not disclose. These people have called day and night, weekends, evenings, mornings, at all times.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$160.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ).

1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2015 with a credit limit of {$160.00} -This is not my account.
Product: Credit card or prepaid card

I believe this is an issue for the FTC but the FTC website took me here but anyway : Chase Freedom XXXX Card website. 
See https : XXXX? XXXX & XXXX & gclsrc=aw.ds & XXXX & XXXX XXXX XXXX The website has numerous superscripts that appear to be intended as footnotes presumably intended to refer to limitations or warnings regarding the terms of the card. However, no footnotes are on the web page. 

I believe this violates the FTC standards on unfair competition.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, Transunion, and XXXX to reinvestigate this accounts : Account name : XXXX XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I noticed a transaction from a place called XXXX XXXX for {$110.00} with no phone number. I called and started a fraud case. I was also told that there was a pending transaction for {$110.00} for the next day, only now they were XXXX XXXX. I put in lots of fraud reports, as, sometimes myself, or XXXX of my kids get tricked into trials that you cancel or either you can't or they just ignore you and they charge you anyway. I had an issue last XXXX  with XXXX that you have complaints about that had to be cancelled and refunded. Wells Fargo is closing my account over excessive fraud by other people. My account is several years old. I got and email from them saying it was an executive decision. When I call they wont even tell me my balance and they cancelled all my cards. Supposedly the account does not officially close until XX/XX/2024. When I call, their automated tells me I will be sent to the department handling my account. I give my info to the first customer service then I am on hold until I hang up. I have a recording of one such call. They are keeping me away from an account I still legally hold because I am a fraud victim. I never had paper checks so there is no chance of me leaving them with those outstanding. I had the account for years. They had the direct deposit of my paycheck. Whatever they are saying about me makes me unable to open a new account anywhere else.
Product: Credit reporting or other personal consumer reports

As directed by the Consumer Financial Protection Bureau ( CFPB ), I am submitting the necessary documentation, along with a letter from an advocacy organization assisting me due to my victimization by XXXX XXXX and debt bondage. Under the Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ), I am requesting the immediate removal of the following information from my credit report.

I respectfully urge you to block and remove the relevant company details from my TransUnion credit report within four business days, as mandated by Section 605C of the Fair Credit Reporting Act. As a victim of XXXX XXXX through debt bondage, I insist on the prompt removal of all related items from my report. 

Kindly ensure the deletion of the following entries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Based off my Experian credit check the account XXXX XXXX XXXX XXXX # XXXX is reporting late for XX/XX/2021. Also the payment amounts on the credit report are inaccurate. I made a payment in XX/XX/2021 also a double payment in XX/XX/2021 through XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account Name : XXXX Account # : XXXX, Account Name XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX Account # XXXX XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXXXXXX Account # : XXXX Account Name : XXXX XXXXL Account # : XXXX Account Name : 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 a account without my written instructions
Product: Checking or savings account

I mailed in a check for {$100.00} to be deposited into my account on Tuesday and on Saturday the check has not hit my account. 


Also I deposited a {$600.00} money order on XX/XX/2019 and this check did not hit my account until XX/XX/2019 this caused {$140.00} over draft fees Why is this taking so long
Product: Vehicle loan or lease

So I was driving and didnt stop and received a ticket and my car was towed. Fast forward went to court everything was dismissed. But during this who process my car was taking by the Loan company. I wasnt explain there was a clause in the contract for the to take the car if i was wreak less but I wasnt. So they took XXXX that was the down payment of the car hard me going back and forth with the Dealership and American Credit Acceptance. I was told by XXXX XXXX ID # XXXX and supervisor XXXX XXXX that a check on XX/XX/2023 and this XXXX  on XX/XX/2023 i was told by the company we sent it out and its my fault I didnt receive it and oh it looks like it was cashed and this was XXXX that it was received. I told the person on the call it need to be fixed I havent lived at that address in almost XXXX XXXX. So in short I feel like i was violated by the XXXX XXXX and American Credit Acceptance . 

As demonstrated in EXHIBIT A, [ XXXX XXXX ] is a creditor as defined in 15 U.S.Code 1602 ( g ). The agreement proves that this is a consumer credit transaction, as evidenced by the notice required by 16 C.F.R. 433.2, as indicated in EXHIBIT B.

The financing charge is the total cost of consumer credit expressed in dollars, as indicated in EXHIBIT C 12 C.F.R. 1026.18 H-1 Credit Sale Model Form. The term finance charge refers to the total of all charges, as defined by 15 U.S.Code 1605 ( a ). " The finance charge does not include cash comparables. 
In this contract, the " down payment '' is demonstrated in EXHIBIT D as cash down payment. This is a violation of 15 U.S.Code 1640 ( a ) for failing to comply with TILA. If the finance charge is the total of all charges in a dollar amount, there should be no need for a separate cash down payment. 
It is clear [ XXXX XXXX ] XXXX be held liable under criminal liability in the court of law in accordance with XXXX XXXX XXXX ( a ) as for Whoever willfully and knowingly gives false or inaccurate information throughout this agreement governed by Truth in Lending Act. To remedy this situation I am requesting I request an immediate return of the down payment of my vehicle ] I only want communication from this point to be in writing unless you are calling to settle this matter outside of CFPB. Please cease and desist any other communication other than writing to me in regards to this matter
Product: Debt collection

PayPal calls 6 times in a span of two hours everyday, approx every 30 minutes. I've communicated I will pay what's owed when I receive pay check in approx two weeks. Have started new job.
Product: Checking or savings account

Money was taking out of my account with out my permission and sometime they take money out of my account XXXX stating I didnt pay a company when I see I paid it already
Product: Checking or savings account

I wired {$250000.00} from my XXXX XXXX business checking account to another company at Bank of America on XX/XX/2022 for a large qty of medical device products. On XX/XX/2022, I realized that the transaction was fraudulent and the paperwork provided to me regarding the inventory was fraudulent. I went to a XXXX XXXX branch on XX/XX/2022 and issued a wire recall for the full amount. 

Through countless phone calls over the course of XXXX and XXXX, the company that we sent the funds to surfaced and started to communicated with us. They instructed us that Bank of America had moved the funds into Bank of Americas Hold Harmless account due to the claims of fraud against them. They also explained on XX/XX/2022 that we needed to go back to XXXX XXXX and reissue the wire recall. It was explained that once Bank of America received the wire recall request, that Bank of America would request a Hold Harmless/Indemnification document from XXXX XXXX prior to returning our funds. 

On XX/XX/2022, I went back into a XXXX XXXX and reissued another wire recall for the full amount. Bank of America replied as described on XX/XX/2022 via XXXX XXXX requesting a Hold Harmless/Indemnification document to release my funds back to me. It is now XX/XX/2022, and I cant get XXXX XXXX to send the Hold Harmless document to Bank of America. I have called department after department, nobody will help me, and my business is suffering terribly. I need help getting my money back. 

I spoke with another gentleman that I found online that went through this exact scenario. He informed me that he filed a complaint with your organization and they allowed him to execute the Hold Harmless personally and the banks responded and resolved the issue in a very timely manner. Please let me know if you need anything from me as I am in desperate need of resolving this issue.
Product: Credit reporting or other personal consumer reports

My credit score is dropping and rising constantly from XXXX reporting wrong information on my report which theyre suppose to only report once a month. Ive put in two complaints already due to the company violating consumer laws. Since the last complaint XXXX has reported a Charge off for every month ( which looks crazy and inaccurate on my credit report ) which its suppose to be only one time, and why is this company still reporting to my credit if its a charge off and the company took their loss? XXXX  is reporting what they want on my credit and must be stopped. My consumer rights are not being protected at all. And the company consistently gets away with this stuff.
Product: Debt collection

Credit Systems International called me to say I owe XXXX XXXX {$670.00} for XXXX  services. I have never used the aforementioned service and I do not understand what they are talking about. Besides that I have insurance and they would have advised me on if I really owed any one any medical bill. 
They called on a number which is XXXX which is a fraudulent number used by scammers. 
I checked Credit Systems International and they have a complete different number. 
When I asked them to give the number and address of the original people I owe they refused to give it to me. 
They have kept harassing me with letters and phone calls. 
They told me the company I owe from is XXXX XXXX but wouldn't give a number or an address. 
Please help me stop this harassment.
Product: Mortgage

Loan was sold from XXXX XXXX XXXX Mr. Cooper Letters were mailed stating autopay would be transferred.

Autopay was not transferred, the loan payment was due on XXXX, and worse still- it's not accepting any payments on their system. 
Can't make a payment, can't setup autopay, nothing works.

Company advised this is normal and may take a few months to transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXs reporting incorrectly to all three of my credit bureaus. If all of the information comes from the same source why is it reporting differently on all three bureaus. On Experian and XXXX  it has an open date of XX/XX/2019 and on XXXX  its XX/XX/2019. It also shows a credit limit of XXXX on XXXX  and Experian but XXXX  credit limit on XXXX. Being that all of the information reporting isn't correct this needs to be deleted from all three credit bureaus ASAP.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX are reporting XXXX account listed as XXXX Account # XXXX and XXXX XXXX XXXX Account # XXXX incorrectly there is no way that either consumer agency verified this account as accurate because courts are unable to released such information about court proceedings. The account is also listed twice on my consumer report which this is a violation of my consumer reports. XXXX as since deleted the account so the how is XXXX and Experian verifying information that XXXX is not able to verify. This information is causing me damages because its messing up my XXXX XXXX by having both account calculated into my score.
Product: Student loan

The issue I have is when I contact the office with a complaint, my payment doubles. It went from {$300.00} to {$600.00} to {$1200.00}. This caused me financial hardship. I had to pay overdrafts and it wiped out my savings. I had to pay other bills late which caused late payment penalties. I had my checks returned from my bank for other debts and this resulted in a disruption in my payment history with other debtors. I have tried to call Mohela who has my loans on many occasions. I am on hold for a long time and then I am disconnected once they answer. I tried to call them most recently on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$140.00} ; XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$660.00} 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