23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We recently we received our discharge of bankruptcy in XXXX 2016. Shortly after receiving the discharge, we received notification from Bank of America that they will be increasing our mortgage payment from {$1700.00} to {$3200.00}. We contacted BOA to either refinance or obtain a loan modification. We were told since we just completed a bankruptcy they could not offer us an option to refinance our home for another 2 years, so we opted for the loan modification. After completing their process, they submitted to us their version of a loan modification. They sent us a congratulations letter stating we were approved for a monthly amount of {$3200.00}. We asked for them to re-evaluate their figures. We can understand they need to accommodate their investors by receiving both principle and interest. Since we know this is an investor situation because BOA does n't even hold the Deed of Trust on our property and neither does their subsidiaries. At some point they purchased our loan, because it was a predatory loan.
Product: Debt collection

As of XXXX key 2 recovery for amount {$250.00} was reporting this account to my consumer report see attached documents they removed and it is no longer reporting to XXXX. They are currently reporting to my XXXX XXXX and they are stating false and misleading information claiming that it is verified when it has already been removed. You are in violation and the information that is being reported is inaccurate.
Product: Checking or savings account

Attempted to link account to my rent paying site online and a message appeared that stated that through PNC I could no longer complete this action.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inclusion of an inaccurate account on my credit report. The account in question is as follows : Creditor : XXXXXXXX XXXX Account Number : XXXX Balance : {$6600.00} Date Opened : XX/XX/year> Since the original update Charge off it has been repeatedly updated as charged off every month or recent months. This continuous updating constitutes an inaccurate payment history for a charged-off account. Such misinformation falsely manipulates the statute of limitations. Your failure to properly investigate this account has infringed upon my rights. I demand the deletion of the account immediately. 
The inaccuracies are significantly damaging my credit score In accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual you verified with above so that I may follow up. Additionally, I request an updated copy of my credit report following your reinvestigation Despite several attempts to have you correct the errors on my report, this issue remains unresolved. Consequently, I have escalated this to a factual report FOR THE 6th time based on my own investigation. All my reports have been duly documented and saved, along with your failure to correct and/or delete the inaccurate accounts. Given these inaccuracies and your continued failure to rectify them, I demand the immediate deletion of this account from my credit report. If these accounts are not deleted after this factual report I will have to seek the help of the CFPB or Legal Action on the next steps to protect my rights and reestablish my ability to obtain credit. These inaccuracies are preventing me from obtaining the credit and lending rights I require and those requests to my personal and business lending facilities have been duly noted over the past 6 months.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to update/correct my personal information on file with your company. 
Please update my address : XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX Please update my name to XXXX XXXX My only social security number is XXXX My only correct date of birth is XXXX My only employer is XXXX I do not wish to have any telephone numbers on my report. Please remove all the other addresses from my report as they are not deliverable to me by the U.S post office and they are not reportable as per the FCRA, since they are inaccurate.

Sincerely, Enclosed is my Drivers License and Proof of Residence.
Product: Credit reporting or other personal consumer reports

I do not recognize any of these hard inquiries on my trans union in my XXXX report I would like to remove since they were not authorized by me. I have included a police report to these agencies to report identity theft, and they still are not helping me. I need these remove. These were not me doing these hard inquiries please and thank you. I want these inquiries deleted since I did not authorize these companies to run my credit which is fraudulent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

I am in the process of purchasing my first home and too my surprise when I took a look at my credit for the first time in a long time I found this entry for an account that does not belong to me. I request the help of the CFPB in acquiring complete validation of this so called account currently reporting negatively on my credit. I request a copy of the contract and documentation used to validate and open this account and the identification used. This is an issue of identity theft and I require as per rights by law that this company provide me with full their full validation so that I can resolve this matter swiftly so that this fraudulent account is removed from my credit history.
Product: Checking or savings account

i have an unemployment card that i haven't used since back in XX/XX/2020. I had an available balance of {$600.00} at that time. I recently noticed a charge on my account that i did not authorized on XX/XX/2020 for {$220.00} for a XXXX  purchase at XXXX, and a two other transactions for XXXX  at a XXXX XXXX for {$100.00}.
Product: Money transfers

I contacted RIA money transfer to complete a funds transfer to my parents in XXXX XXXX on XXXX/XXXX/15. The funds were taken from my account and not deposited to my mother 's XXXX account. I contacted the company on XXXX ( the estimated date of deposit ), no one was able to explain where my funds were or what happened. I kept being transferred to an escalation group, instead kept being transferred to the same automatic system that I called into. I received an email last night requesting more information regarding the matter ( in response to an email I sent prior to my calls ). I responded to same and am yet to receive a response. There was not a lot of money involved. My parents are aging and going through financial struggles due to not being able to find proper employment to take care of my grand mother and sister that live with them. I sent {$150.00} to help during this holiday time, to no avail. Now, neither of us are having a holiday. I work hard for my money. I do n't waste and I pay my bills and taxes. This should not happen to honest hard working people. Please help me recover this money. 
**add on-Please note that this was an international transfer ( from XXXX to XXXX XXXX XXXX. there are sections below that require recipient information ; she is in a different country and has not received any of the funds.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf.

These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company refuses to send to us any documentation or verification. They only have our name and phone number. We checked our credit reports and it seems fine. They seem to be " fishing '' for our personal information. Portfolio Recovery company.
Product: Credit card

On XX/XX/2016, I made a payment via IVR phone of {$110.00}. Today, I called CareCredit to see what my account summary/balance was and found out that my payment was not processed since the balance was even higher from last month. I spoke to customer service and they did not help me at all. They stated that my payment was reversed but I did not receive that money back. My bank statement says that they took out {$110.00} and I also called my bank to confirm and my bank stated that the payment was accepted. I also three-way my bank rep and CareCredit rep to speak and again the CareCredit representative was no help! I also called them again to figure out where the money went and the CareCredit rep did not have the answer. He told me to send my bank statement to their complaint dept and I asked him how long is the process of getting this resolve. Again, rep did not know the answer. Now, I do not know if I should pay my bill again. I received a late fee but would like to resolve this issue before I make another payment.
Product: Mortgage

Many years ago my husband and I purchased our dream home. It was only 8 years old at the time and we put down our entire life savings, 30 % for this XXXX home. This was in XXXX, the height of the Real Estate Boom. Life was great for us, we were self employed and our business was very lucrative, shortly after XXXX when the market crashed- so did our business. We went from making thousands of dollars a month to barely making enough money to buy groceries. My family and I are true fighters, we continued to work to re-build our business income but many of our monthly obligations were left unpaid, including our mortgage. Eventualy we bounced back and have been in the position to make a mortgage payment for years now, we just dont have enough money to bring it current. This is when our problems began, we have applied for help over the years and have been moved around from servicer to servicer, we are now with SPS. Several applications for retention options have been sent to SPS, working with them has not been easy! We have been denied for a modification several times, every reason under the sun- they tend to vary with each review. Their reasons are just vague excuses, not one can justify the fact that theyd rather we lose our home- thats a hard pill to swallow considering we put almost XXXX down! We expected to grow old together in this home. Sometime in XXXX we had a plumbing backup in one of our 2nd level bathrooms- this caused sewage and water to flood the entire 1st and 2nd floors. This flood damaged : floors, walls, ceilings, stairs, the bathroom ( it is still gutted to the stubds ) and the kitchen cabinets had to be removed- they were warped and molded. Our 2nd story balcony eventually collapsed from all the water intrusion. Insurance okayed almost XXXX to repair all of this, but SPS took the insurance money and has been holding in a suspense account for years. SPS has forced us to live in deplorable conditions for years, we can not afford to live in motels anymore- we did this for an entire year! SPS is holding on to this money because we are behind on our mortgage payments. Not only have they refused to approve us for a modification but now that same reason is preventing us from repairing our home?! We had no choice but to file a lawsuit against them, we are being backed up against a wall here. While in litigation, they still refuse to approve us for a modification, refuse to release the money to the contractor to repair the home and are now refusing to even allow a short sale review. They want us to ok to have the insurance money applied to our arrears, that is very shady- then what?! How will we fix the home?!! We 've had enough at this point, and I can not believe that they are refusing to let us short sale. What kind of sense does this make? They are forcing foreclosure on us!!! We are good people, we work hard and want to buy a home again in the near future. SPS can care less, foreclosing on our loan will make it impossible for us to purchase again.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second complaint for the same issue. The first resolution is the incorrect data was supposed to be corrected. I even received correspondence from Equifax that it would be removed. However, Equifax is still reporting XXXX XXXX as having a balance owed. This account was paid off XX/XX/2017. XXXX correctly reports a XXXX balance. 

I need this resolved.
Product: Mortgage

Penny Mac Sold my information to a million Mortgage companies, after I chose not to refinance with them. The past two days I am being harassed by hundreds of calls, text and E-mails a day from random mortgage companies asking for me to refinance. I need these calls to stop, it is effecting my work and home life.
Product: Mortgage

Re : Copy of cashed check, front & back - No. : XXXX, {$970.00} Further to CFPB Case Number XXXX, PHH Mortgage Services, XXXX. XXXX XXXX ; XXXX  XXXX, NJ XXXX, former mortgage servicing agent for XXXX responded to the above referenced complaint that Escrow Refund Check Number XXXX, amount {$970.00} ( copy attached ) was replaced with New Check Number XXXX XX/XX/2018 and cashed XX/XX/2018. 

I have requested numerous times a copy of the cancelled check, front & back and have not received it. PHH is no longer the mortgage servicing agent for XXXX.
Product: Payday loan, title loan, or personal loan

Conns are very aggressive when they call. My husband have an account and I has an account. We were told they would merge our accounts. They would call ask to speak to husband and he would pay thinking we were paying. We went through financial difficulties due to sick dad. The agent were sharks and would lie to you and purposely set up payments after due date. They would set you up for payments tell you that you will be current and then hit your credit with a negative remark. They charged off my account when we were told they merged our accounts. Now my husband was current and next thing you know they hit his credit for 25 its with negative remarks as they continue to take payments out. I spoke to different agents and they all say the other person didnt do something right but no one corrects the issue. They take money out and then hit your credit. They make you promises and purposely give you wrong due dates and then charge you late fees and put 30/90/120 derogatory marks on your credit. I was just current and now they took out a new payment but reported me late and they help me setup payments. Agent said I apologize she set your payments after your due date. Just games and they hang up on you.
Product: Vehicle loan or lease

Called the company on XX/XX/XXXX to get an extension on the loan, was told everything would go through just fine, submitted the request to continue with no payment. Received a call that it was denied because we had yet to make six payments. Called company back XX/XX/XXXX to see what was going on. Said that we had yet to make six payments so we were unable to receive extension, did inform the agent spoken to that we had made six payments and that was confirmed by the previous agent. Said that with the payment that was recently made we were at six payments, tried to schedule another extension, once again being told that we can do that without having to pay XXXX to continue with the extension, was told that I would receive a call when that was approved. Waited until XX/XX/XXXX and still received no call. I called company to get the updates on the extension and was told it was denied yet again because of not making six payments, informed the agent spoken to that I was told that was not the case. Asked to speak to a supervisor was on hold for over 7 minutes and never transferred to supervisor, instead I was hung up on. I called back right away and talked to a gentlemen representative and was told that we could process that request and we could only do it with a payment. Had I been told that from the beginning I would have just made the payment to get this going. I do not believe I should be told inaccurate information more than three times.
Product: Checking or savings account

hi I went to the XXXX XXXX new york branch on XX/XX/XXXX and opened the business checking account with promotion of deposit the {$50000.00} for 60 days and get {$1000.00} bonus.my business checking account ( XXXX ), money market account ( XXXX ) I signed XXXX forms and deposit the check on XX/XX/XXXX and move the money out on XXXX XXXX, but until today XX/XX/XXXX, i still did not get the bonus as promised. i have emailed the banker since XXXX, XXXX, and she opened the case for me, but still no result. i have emailed and called several times asking for the bonus, no result in the end.. which is very upset
Product: Credit card

There has been an ongoing dispute with XXXX XXXX XXXX and American Express. I own the XXXX XXXX American Express card and utilized the XXXX XXXX XXXX feature. On XX/XX/XXXX, I applied for and was awarded an advance of XXXX from American Express, which were promptly transferred to XXXX. The XXXX XXXX XXXX of this American Express benefit were that I was to spend on my card to yield the equivalent amount of miles to the amount I borrowed within six months. If I failed to do so, I'd be charged XXXX cents per mile. American Express confirmed I successfully " paid back '' the borrowed balance. 

Around XX/XX/XXXX, I noticed in my XXXX XXXX account that XXXX miles were deducted. In written correspondence with XXXX between then and now, the representative confirmed that the miles were withdrawn but said XXXX wasn't responsible for the withdrawal and couldn't reinstate the miles. I've spoken to numerous American Express representatives who swore up and down that they only transfer miles to XXXX and don't withdraw them. The XXXX representative said she'd been in touch with an American Express rep who allegedly confirmed the withdrawal, but I can't get anyone at American Express to confirm that. On top of that, I've been put on long holds at American Express and they keep disconnecting me without a call back. 

This should've been a straightforward issue to resolve, but I keep being sent on a wild goose chase. If American Express can provide written proof that they withdraw miles, I'll drop my complaint. But if they can't, then I want those miles reinstated as I plan to use them for a huge vacation purchase in XXXX. 

I can provide emails and phone logs upon request.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts from my credit report. As a victim of a data breach, I have discovered unauthorized accounts on my credit report, which were opened without my consent. Under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC XXXX ( a ), I am entitled to have these accounts blocked and removed promptly. 
XXXX Accounts : XXXX. Creditor Name : XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1000.00} XXXX. Creditor Name : XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$00.00} XXXX. Creditor Name : XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$00.00} XXXX. Creditor Name : XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$13000.00} XXXX. Creditor Name : XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1300.00} XXXX. Creditor Name : XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$430.00}
Product: Mortgage

I made on time payment and the bank is saying, my $ XXXX a months mortgages payment funds will not be applied to my account, plus they trying to force me to modify but I 'm very happy with my 3.250 % fixed interest rate.The Bank is SPS Select Porfolio Servicing, Inc
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB COmplaint what happened In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX XXXX, XXXX XXXX ******, XXXX  XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX has violated my rights. 15 U.S.C. 1681 section 602 ( a ) ( 4 ) : States I have the right to privacy. 15 U.S.C. 1681b 604 ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Personal Information : Name : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Collection/Charge Off : XXXX XXXX XXXX XX/XX/XXXX {$3700.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$4700.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} Inquiries : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion Late Payment XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

MY PERSONAL INFORMATION WAS COMPROMISED AGAIN LAST YEAR AND MY CELL PHONE NUMBER WAS HACEKD AND SPOOFED AND SOMEONE HAS USED MY INFORMATION TO OPEN UP LOANS AND FRAUDULENT ACCOUNTS USING MY SOCIAL SECURITY NUMBER AND I HAVE A POLICE REPORT ALONG WITH MY FTC REPORT TO PROVE THAT I HAVE BEEN A VICTIM OF IDENTITY THEFT THE NEXT STED I WILL BE TAKING IS TO GET MY LAWYERS INVOLVED TO STOP THIS FRAUDULENT ACTIVITY THAT XXXX JUST KEEPS ALLOWING TO TAKE PLACE ON MY CREDIT REPORTS AS THIS IS THE REASON I MY XXXX CREDIT REPORT WILL NOT ALLOW ME TO USE MY CREDIT FOR BUYING A HOME BECAUSE THERE FRAUDULENT ACCOUNTS THAT ARE NOT BEING DELETED AS YOU ARE IN COMPLETE VIOLATION OF 15 U.S. CODE 1681C AND THERE ARE UNAUTHORIZED INQUIRIES ON ALL 3 OF MY CREDIT REPORTS THAT NEED TO BE DELETED IMMEDIATELY 1. 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 XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made XX/XX/2020 payment before the end of the month. However, Suntrust Bank did not properly process my payment until 6 days later. Due to this delay, my payment was posted over 30 days late. I think it unfair since it is not my mistake and I had plenty of funds in my account to pay my mortgage.