23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/2015 My father after 10+ years of perfect payments to Bank Of America got the devastating news my mother would have to be put in XXXX because her XXXX XXXX was progressing quickly. My Fathers XXXX could no longer maintain or afford their dream home any longer. Being a man of integrity, he contacted them immediately and told them they could no longer afford the home and my mother could no longer navigate the stairs. I am a realtor, I immediately got the POA 's that were necessary and started trying to assist BOA in the process of a " short sale '' as to keep them form losing any more money and to respectfully release my father from the incredible stress. This was the plan of action we chose. Since that date we have now spoken to XXXX individuals, we 've sat and watched my fathers state of mine and financial future damaged beyond repair, we lost my mother XX/XX/2015, we received an incredible short sale offer on the home that was not even submitted until 2 months later, had over XXXX showings and the home continues to deteriorate, no phone calls to me personally have been returned, Bank Of America has not represented the company in a professional manner nor have they shown compassion or tried to rectify the matter on a timely basis, we are in the XXXX month of dealing with a process that has taken less than 90 days with other banking institutions and we just got turned over to XXXX new contacts that have yet to perform any better. BOA has caused unnecessary stress on my father, my realtor and shown poor care for their own company. If they are doing to my father at the age of XXXX, they are doing it to XXXX others. It is a travesty no one should have to deal with especially when the seller has made every attempt to do the " right '' thing even though my mothers illness and passing caused the extreme challenge. Shame on BOA and their leadership. They have cost their company probably XXXX dollars because of their antiquated systems and poor judgement. This is in my opinion fraud.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

ACCOUNTS : 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 XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 COMENITY BANK - ORIGINAL CREDITOR BALANCE AMOUNT : XXXX Says that the account information has been disputed by consumer, meets FCRA requirements but still shows up as an open account on credit report.
Product: Vehicle loan or lease

We were done paying XX/XX/2022 Was told had pay XXXX XXXX  and then this week Change the total too XXXXyesterday then today Total was XXXX We pay XXXX every month but because we get pay after due date we paid all Late fees XXXX to XXXX and pay online Was told during XXXX  when we got behind they will not charge late fee for 3 months and they Add it to the end. 
We paid today final payment XXXX Should have been comple on XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Address XXXX XXXXXXXX XXXX XXXX  XXXX To whom it may concern, reinvestigate these accounts : XXXX, XXXX they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same..

and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
XXXX really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case
Product: Mortgage

On XXXX XXXX XXXX I received an injury while at work. for over 16 months I was off work I was able to receive my full salary for 12 of the 16 months once that stopped I started to receive Workman comp. which was far less than what I was making. I then started to fall behind in house notes. On XXXX XXXX XXXX I received a XXXX retirement from my employer as a full time XXXX on a XXXX XXXX Retirement Benefit, with a monthly allowance of XXXX % of what I was making. because of this hardship no fault my own I can no longer make my monthly house note as what they are now. I have been going back and forth with my mortgage lender Nationstar Mortgage LLC. They ( Nationstar Mortgage ) has wilfully failed in its obligation, under HAMP, in assisting me to receive a Home Affordable Loan Modification by purposely using deceitful methods, inaccurate salary numbers, false credit reports practices to deny my request for a HAMP loan.I appealed this unfair denial with Nationstar Mortgage LLC and they used these same deceitful practices to approve a HAMP loan that I still can not afford to make on my XXXX allowance. My XXXX allowance is XXXX % of what I was making before I got injured it is non-taxable. NationStar states that all non-taxable income under HAMP is grossed up to XXXX %, not XXXX % which is the standard, to a total gross income in the amount of {$4600.00}, my monthly XXXX allowance is {$3600.00} a difference of {$920.00} that I am not making and Nationstar Mortgage LLC then based my monthly house note on this false income and expect for me to be able to afford the new payments. If I applied for a loan with Natiostar Mortgage and used the income of XXXX a month and when it came time for them to do income verification and I submitted pay stubs with my real salary of {$3600.00} they would deny my loan based on false income. They would not just let me gross up my income because they know that I would not be able to pay them on money I am not making. But they expect for me to be able to pay them on money that I am not making? Nationstar Mortgage LLC has also flat out wrong financial debt that they said I have in the amount of over {$4000.00} a month which is a Lie. I have submitted to them at least 3 times with proof that my outgoing monthly obligations is about {$1300.00} to {$1400.00} a month. They failed to address this despicable practice. Natiostar Mortgage for what ever reason is not helping me but instead seems to be going out f there way to conduct another fraudulent foreclosure which they are being investigated for.
Product: Student loan

I'm using Mohela for XXXX XXXX XXXX XXXX and they sent a letter that there are issues with my application and that I should contact them ; however their phone number is only an automated system with no way to talk to a human. I've looked on the internet and it seems that there is no way to talk with a human about our loan applications through Mohela. Because of deadlines and the importance of borrowers who work in public service getting our loans forgiven in a timely manner, as the ONLY servicer of PSLF loans, Mohela should have a ROBUST customer service department!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Equifax and XXXX are reporting 6 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX  and XXXX  since ( date of first round ) asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get the dispute remarks removed from my credit report for 1 month now. I have called in 4 times to get the remarks removed and each time I have been told that it is complete and that it would take 48 to 72 hours and this has not been completed.
Product: Credit card or prepaid card

In XXXX of 2023 I tried to pay a credit card bill I have with USAA. I hadn't used the credit card in a couple years, but I had an emergency in XXXX of this year that I had to use it for. My plan was to pay the balance in full, in XXXX of this year, but I was unable to make a payment to USAA do to not being able to verify my identity. The only way they would allow me to verify my identity was by verifying a code that they wanted to text to my cell phone. The problem was that that was an old phone number which is XXXX. Sense I could not verify my phone number because I no longer have that number, I was hung up on by several USAA customer service reps. After serveral more phone calls, I finally got a customer service rep that agreed to listen to me. He said that it is company policy for them to hang up on people who have identitites they are not able to verify. He also said that USAA has an online service where I could upload my passport and drivers license to get verified. So I immedialtley did, but that did not work either, so I called back and was given a fax number to send my information and just wait for a call back, but I never recieved a call. So I called again a few days later, and they said to just have my bank send them a check and they would apply it to my account. USAA ended up not accepting the check and sent it back. Now they have reported to the credit burreaus that I am 30 days late on a payment, and they literally wont let me pay my bill. I dont know what to do. Please help
Product: Debt collection

On receiving a request to substantiate charges and liability related to an account this institution had reported to my credit report, the company in a bewildering response ( see attached response ), refused to provide the requisite documents to stay in compliance with the FDCPA and stated they would continue to report the account on my credit report in violation of my legal rights.
Product: Mortgage

I purchased my home in XXXX of 2015. I made payments to my initial mortgage company, First mortgage, until XXXX 2015. In XXXX I recieved a goodbye letter stating that my mortgage had been bought out by Freedom Mortgage. The letter was a mistake. it even had the wrong account number on it. I sent a payment to freedom mortgage to this wrong account number and thought nothing of it, until i received a letter from first mortgage stating i was behind on my mortgage for the month of XXXX. I quickly called and told them that they had sent me a good bye letter and told me it was a mistake ( i have proof of this letter ). they told me i would have to find the money. I called freedom mortgage and explained the mistake. they said they would send the check for XXXX to first mortgage directly so i figured it was handled. I was wrong and the check never arrived. I continued making payment to first mortgage then in XXXX I received a letter from Freedom mortgage stating that i was late on my mortgage payments. now I was really confused because first mortgage had told me i was with them. I never got a real official goodbye letter from first mortgage or a welcome letter from freedom mortgage. I called first mortgage to confirm i was transferred over and i also called freedom mortgage to confirm. this time the transfer was for real but they made a mistake. They transferred me with a missing payment from XXXX, but the only reason i was missing a payment from XXXX is because of their mistaken goodbye letter in XXXX. now they say i am in default and they are sending me threatening letters. 
All in all i have proof that i have paid every mortgage payment, since the day i bought my house, on time to this day. I have never missed a payment and i have proof! It was all mistakes on their part but they can not figure it out!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 's client XXXX XXXX is a victim of identity theft. His information was used to apply for several auto loans as well as cash advance loans and credit cards without his consent. While the applications filed did not create accounts the applications did leave fraudulent related inquiries on his credit reports. Official disputes of these inquiries were sent to each of the creditors however a recent review of credit reports still has several of the creditors reporting the fraudulent inquiry data. This is a violation of the FCRA.
Product: Credit reporting or other personal consumer reports

This was added on my credit without my consent information is not validated.
Product: Vehicle loan or lease

After paying off loan never received original title was forced to pay for one
Product: Credit card

Around XXXX XXXX, my XXXX  and I purchased Olympic event tickets on our Chase credit card ( I believe it was Chase Southwest Card ) in excess of {$1200.00}, a lot of money for us. Later in XXXX, we cancelled the credit card as we no longer used it and had forgotten we purchased the event tickets on that credit card. In XX/XX/XXXX, we realized we would be unable to attend the event and requested a refund from the Olympics who refunded the amount back to our credit card. We tried to get with Chase to see if they could look up the cancelled credit card and forward the balance to us, but they claimed the account was purged and that we needed the original XXXX digit credit card number in order to get our money back. They said there was no way to look up our old account based on social security number, our address or any other form of identification. We have tried to get the 16 digit credit card account number and submitted a letter via USPS to the address they gave us that dealt with closed/archived accounts. We never received any old account statements from them which we were hoping had our 16 digit account number. We have spent countless hours on the phone talking to different people and departments and are worried that we will never get our money back. We have tried all that we can and given how big Chase is, nobody can help because everyone only knows their little limited role and can't figure out how to find where our refund went.
Product: Credit reporting or other personal consumer reports

i was looking over my credit report and noticed unauthorized inquiries on my credit report. i did not give hand written consent for these items to be furnished on my credit report. 
Hard Inquiries 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 In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 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: Mortgage

I was charged a 2 % early payoff penalty {$3800.00} when I had less than 6 months remaining on the loan. The loan was for 5 years but they have a clause that states I must keep it in force for 5 years from date of issuance. So I cant sell the property and close the loan without a penalty.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 SECTION 602 A states 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: Mortgage

We were behind on our mortgage in XXXX of XXXX. Statement from Ocwen dated XX/XX/XXXX said the total reinstatement amount was XXXX. On XX/XX/XXXX we paid XXXX which was the past due reinstatement amount plus the payment due on XX/XX/XXXX. Our regular monthly payment was {$590.00}. Our next statement dated XX/XX/XXXX which should have been for XXXX due XX/XX/XXXX had a total amount due of {$1600.00}. The charges were for our XXXX payment ( XXXX ) plus a ( XXXX ) title search fee date XX/XX/XXXX and a ( {$310.00} ) charge for title report dated XX/XX/XXXX. Not sure how you get a title report before a title search but that's neither here nor there. The search and report were done 20 days after we brought our account current. The mortgage originated in XXXX. So what purpose was there for this charge? On XX/XX/XXXX we paid the XX/XX/XXXX regular monthly payment plus late fees even though it wasn't late as per their 15 day grace period. On the statement it breaks down what they say is owed into different categories. 
Regular monthly, past due payments, Past due fees/other charges The first 2 statements had the XXXX due for past due fees/other charges. The 3rd month they switched it to past due payment charges. As in we missed payments. 
I have addressed ocwen about this issue. And the many many other issues we have dealt with over the past 16 years and have never got anything resolved. From the very start of this loan when the closing agent/broker ( XXXX  XXXX  and or XXXX  XXXX  XXXX  ) pulled a fast one on us at closing by having the final truth in lending disclosure statement on top with the financed amount of XXXX showing for lender XXXX XXXX and going over that one page with us then distracted us by non stop talking while the rest of the pile was signed and initialed with a loan amount of XXXX was what was being reflected on the rest of the documents. And an unexplained XXXX increase in our principal balance in XXXX. And plenty of other issues as well including a falsified Corporate Assignment of Mortgage signed by an employee of Ocwen as VP of XXXX  XXXX XXXX, filed XXXX of XXXX on behalf of XXXX XXXX XXXX  as trustee for XXXX. From XXXX XXXX XXXX f/k/a XXXX  XXXX  XXXX  ( our original lender and servicer ) whom swore under oath in XXXX that it neither owned nor serviced any residential mortgages on that date. If they sold our note prior to XXXX to XXXX  why did they wait til XXXX to record that assignment with our county recorder? We just are at our limits. We cant find any remedy and cant take the abuse any longer. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

HELLO THIS IS AN ON GOING ISSUE WITH XXXX, AND XXXX PUTTING INCORRECT LATE FEES ON MY CREDIT REPORT ... 3 WEEKS AGO XXXX REMOVED XXXX POINTS FROM MY CREDIT REPORT, FROM XXXXXXXX XXXX WRONG INFORMATION DEALING WITH MY LINE OF CREDIT ... I HAVE NEVER BEEN LATE, THIS WAS A BANK ERROR WITH XXXX XXXX PUTTING ME DOWN BEING LATE FOR 2 MONTHS, XXXX AND XXXX, AFTER ME DISPUTING WITH THE CREDIT BUREAUS AND SENDING DOCUMENTATION XXXX RESTORED MY POINTS BACK AND REMOVED 1 OF THE LATE FEES THEY REMOVED 1 MONTH BUT LEFT THE OTHER MONTH, BUT I NEED XXXX AND XXXX REMOVED, I HAVE PROOF FROM XXXX XXXX XXXXANAGER..THE BANK MANAGER ALSO SEE THAT I WAS NOT LATE FOR THOSE 2 MONTHS IN QUESTION ... IM SENDING THE EMAIL SO YOU CAN SEND TO THE 3 CREDIT BUREAUS, ... I ALSO WANT XXXX TO STOP FLIP FLOPPING WITH MY CREDIT SCORE, THEY TOOK XXXX POINTS 3 WEEKS AGO, GAVE IT BACK 2 WEEKS AGO AND JUST UNDER A WEEK AGO XXXX AGAIN REMOVED XXXX POINTS FROM MY CREDIT SCORE..I WANT IT BACK
Product: Credit card or prepaid card

I have been a customer with Capital One since XXXX with the account ending in XXXX. I informed Capital One of my XXXX XXXX situation and requested payment options. They advised me they could offer no further payment assistance and as long as I made my payment by end of the day on XX/XX/XXXX, I would not be past due or have any type of late fee. I made a payment around XXXX XXXX on XX/XX/XXXX and Capital One did not post it until XX/XX/XXXX and then proceeded to charge me a {$29.00} late fee on the account. After speaking with XXXX supervisors, they all declined to waive the charge stating they weren't able to. The charge shows on my account as authorized on XX/XX/XXXX. This is a very customer unfriendly policy. As a long time customer who is traditionally on time ( early ) payments, Capital One failed me when I needed assistance by not waiving the fee and not clearly setting expectations when I spoke to them about the situation in advance.