23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Borrowers Pushed into Foreclosure by Servicing Errors and Eminent Failure Scenario XXXX XXXX XXXX XXXX ( XXXX ) engaged in significant and systemic misconduct that occurred at every stage of my mortgage servicing process. XXXX violations of my mortgage put my mortgage at risk of foreclosure under Eminent Failure Scenario which would result in losing my home. Specifically, XXXX set my mortgage up for failure. 

Took advantage of my mortgage with servicing shortcuts and unauthorized fees : I relied upon XXXX to, among other things, treat me fairly, give accurate information, and appropriately charge for services. XXXX violated the law and my mortgage in a number of ways, including : Failing to timely and accurately apply payments made by borrowers and failing to maintain accurate account statements ; Charging unauthorized fees for default-related services ; Imposing force-placed insurance on consumers when XXXX knew or should have known that they already had adequate home-insurance coverage ; and Providing false or misleading information in response to my inquiries to save my home. 

Deceived me about foreclosure alternatives and improperly denied loan modifications when I was eligible and qualified : I turned to XXXX because is the servicer for the investor 's loans, as my only means of developing a plan for payment. XXXX failed to effectively assist, and in fact impeded, struggling homeowners trying to save their homes. This included : Failing to provide accurate information about loan modifications and other loss mitigation services ; Failing to properly process borrowers applications and calculate their eligibility for loan modifications ; Providing false or misleading reasons for denying loan modifications ; Losing documents when faxed a number of times to the loan representative ; XXXX did not maintain a point of contact, every time I wanted to speak to my loan representative, was referred to the collection department, different agent every time. 

Engaged in illegal foreclosure practices : One of the most important jobs of a mortgage servicer is managing the foreclosure process. But XXXX mishandled foreclosures and provided consumers with false information. Specifically, XXXX is accused of : Providing false or misleading information to consumers about the status of foreclosure proceedings where the borrower was in good faith actively pursuing a loss mitigation alternative by XXXX ; and Robo-signing foreclosure documents, including preparing, executing, notarizing, and filing affidavits in foreclosure proceedings with courts and government agencies without verifying the information. 

XXXX XXXX acquired this mortgage on XX/XX/2017, I do not have contact information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im 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 U.S.C 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.S 1681 ( a ) ( 5 ) section : 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 antedated 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 reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX Balance : {$2400.00}
Product: Credit reporting or other personal consumer reports

Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. These unresolved issues are severely impacting my ability to move forward with my personal and financial goals. Due to these discrepancies on my credit report, I am unable to secure an apartment, purchase a new car, or establish healthy credit, which is limiting my opportunities for stability and growth.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently consolidated all of my students loans to apply for Public Service Loan Forgiveness ( PSLF ). When I did so, my credit score dropped by XXXX points, apparently because the individual student loans were closed to consolidate them into one large loan to qualify for PSLF. This is bogus and I'm wondering why this is and whether this is legal or not. It appears to be retaliation for applying for a federally-authorized program, for which loan consolidation is required.
Product: Credit card

I am filing this complaint to report misleading and potentially abusive practices by Synchrony Bank in relation to a six-month no-interest promotional financing offer provided through their XXXX XXXX Credit Card XXXX 

Failure to Provide Timely Statements : Synchrony Bank failed to send me a statement for XXXX, which is critical as it marks the sixth month of the no-interest promotional period. This has left me unable to determine the exact payment due and ensure timely compliance with the promotional terms. 

Attempt to Add Fees and Interest : Despite my adherence to the terms of the promotional offer, Synchrony Bank is now attempting to impose retroactive interest and fees, which were meant to be waived under the promotional agreement. This practice appears to exploit the lack of proper communication caused by their failure to provide a statement. 

Inadequate Customer Service and Disrespectful Treatment : On XX/XX/year>, I contacted Synchrony Bank to address this issue. During the call : The first representative acknowledged the problem but disconnected the call after I expressed my dissatisfaction. He told me he was going to help me but not now since i am upset! 
When I called back, another representative insisted I provide my debit card information over the phone to resolve the issue. I expressed concerns about trust and requested a written agreement, but this representative also failed to provide any resolution. 
Concerns of Financial Elder Abuse : I am a senior citizen with an excellent credit rating who pays all bills on time. Synchrony Banks failure to send statements, coupled with their attempt to retroactively apply fees and interest, raises concerns about financial elder abuse. This situation feels like a deliberate attempt to take advantage of customers who are likely to overlook these predatory tactics. 



Supporting Details : Date of Purchase : XX/XX/year> Amount Financed : {$600.00} Communication Attempts : Multiple calls on XX/XX/year> I request that the CFPB investigate this matter thoroughly to ensure Synchrony Bank is held accountable for its actions and to prevent other consumers from facing similar issues. 

Contact Inform
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Mortgage

On XX/XX/XXXX, I was approved for a permanent loan modification. I was required to pay XXXX PER A MONTH starting XX/XX/XXXX. Everything was going great, until XX/XX/XXXX, when LO AND BEHOLD, Chase Bank sends me a bill showing that I am over {$11000.00} in arrear on my payments. 

When I called to receive the answer, the woman stated I did not pay XX/XX/XXXX XX/XX/XXXX. AND XX/XX/XXXX. 
This is totally false. I am enclosing all of my bank statements showing that my payments were withdrawn directly from my account, and that NONE of my payments were returned NSF as she indicated. 
I am also enclosing copies of all of my mortgage statements showing that NOT ONE mortgage statement shows that I am past due any money.

Finally, if I am approved for a loan modification as I was back in XX/XX/XXXX, I should have nothing that I owe Chase Bank because all arrears are added back to the mortgage. 

This is A HUGE ERROR. I am very, very concerned.
Product: Credit card

Unauthorized Hard Inquiries on my account include ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

Experian is reporting inaccurate information on my consumer report. This is defaming my character and hurting my reputation. My credit worthiness is effected and I am losing out on opportunities to new credit. Please delete the inaccurate items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XXXX an account XXXX XXXX  was disputed from XXXX  with a balance XXXX and was investigated upon results they updated the credit report but failed to remove the account for inaccurate reporting this account belongs to a person with similar name. We reached out to original creditor they failed to provide proof of this account. Please remove account immediately. 

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. 

I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX,
Product: Debt collection

NCB management services is showing on my credit report for the amount of XXXX. I contacted the company and they say my account is closed and they have no information regarding account. Would like to dispute but company is unable to verify information.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helpingme due to XXXX XXXX XX/XX/XXXXdebt bondage, which falls under XXXX XXXX according to XXXX XXXX-Debt Final Rule 1002. 142 ( b ) ( 4 ) -5 -- 1002. 142 ( b ) ( 7 ). Ikindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit ReportingAct. I am a victim of human traffi cking of Debt Bondage and would like for all listed accounts to be blocked and deleted. Please delete thefollowing accounts. XXXX XXXX bal. {$3400.00}, XXXX XXXX. {$6300.00}, XXXX XXXX. {$11000.00}, XX/XX/XXXXXXXX bal. {$5200.00}, XX/XX/XXXXXXXX bal. {$2400.00}, XX/XX/XXXXbal. {$3900.00}, XXXX XXXX bal. {$3900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My Auto Insurance states that I did'nt get their best rate because I have only lived at my current address for XXXX  months ( Equifax Report ) not the XXXX months that is required to get the best rate. 
As you can see from the info copied from Equifax 's website I have lived here since XXXX. 
I moved from as of XX/XX/XXXX But some unknown entity reported me living at a different address onXX/XX/XXXX. 
This address is an address I lived atfrom XXXX I spoke with Equifax and was told that they can not correct the information, only remove it. 
As that would remove over XXXX years of my residence history I told do not completely remove the address. 
This is Crucial History and I am appalled that False Information can be added to your Credt Report Permantly and not be able to be corrected, only removed DATE STATUS ADDRESS XXXX XXXX, XXXX CURRENT Dispute this XXXX XXXX, XXXX  FORMER Dispute this XXXX XXXX, XXXX FORMER Dispute this XXXX XXXX, XXXX FORMER Dispute this XXXX XXXX, XXXX FORMER Dispute this XXXX XXXX, XXXX FORMER
Product: Vehicle loan or lease

The company changed my payment date where they say I made this request but I never did. I asked them to prove it with the recording where I made this request and they never responded. Now they are charging me {$180.00} in late fees for late payments.
Product: Credit card or prepaid card

I received a letter from Capital One informing me that I was pre-approved for credit card. I inputted the invitation code and personal information during the online application process as directed. At the end of the online process I was asked to scan or fax personal identifying information including my most recent payroll stub and a copy of my driver 's license. I faxed requested items and confirmed that Capital One received both documents. Yesterday I received a letter from Capital One informing me that they can not approve my request at this time. The following reason was cited : " Based on your application information, application submitted is incomplete or can not be verified. '' The documents I provided are correct and current. Capital One does not provide a contact number to speak with anyone on their end. Additionally, I have active credit card, banking and investment accounts with the company. I don't understand how the company can state they can not verify my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card

On XX/XX/XXXX I opened a dispute/fraud claim against a charge on my Ally credit card labeled XXXX XXXX XXXX for the amount of XXXX. This dispute was closed on XX/XX/XXXX despite uploading their requested documentation on XX/XX/XXXX using their online message center as directed. On XX/XX/XXXX, I uploading additional supporting details ( XXXX  cardholder policy and the itemized bill ) to support my claims of unauthorized use and fraud ). Unaware that my dispute was unjustly closed, I called on XX/XX/XXXX to obtain updates. During this time, I was made aware that my case was closed and needed to be reopened in the form of a letter. My case has now been reopened since XX/XX/XXXX. 

My issues with Ally are the following : 1. ) They allowed a transaction of {$2700.00} to go through despite it being inconsistent with my lump sum spending patterns. They failed to protect me from fraud despite having a process in place for it. 

2. ) they allowed this charge to go through despite the transaction being out of state and from a company in which I have never used my Ally card for. 

3. ) they have been given the following concrete evidence and still continue to hold it up in dispute : XXXX cardholder policy states that the card may only be used by an authorized signer to that bank. XXXX XXXX is the XXXX  account holder and is NOT an authorized signer to my Ally card. Ally has been given documents proving this ( XXXX  policy and the bill ). 

Ally was also made aware in a detailed and itemized letter I sent that 22 charges were fraudulent on the XXXX bill and totaled to an amount of {$2200.00}. Though the charges were fraudulent, even if they were not, they still were not to my name, but applied to my card anyway. Ally still insists that this needs further investigation. 

4. ) Ally was given documents pertaining to XXXX history of casino fraud. In addition to one of the employees in the dispute department attesting to their persistent issues with XXXX. 

5 ) This dispute has been ongoing for 2 months. They have had more than enough information to make the appropriate decision, yet they hold you up hoping that you miss a letter thats mailed and delayed and drop the dispute just to make you start over again. 

6. ) XXXX XXXX XXXX  refuses to acknowledge or properly investgate fraud and defers fraud resolution to Ally. Ally defers back to XXXX for investigation. This cycle does not protect me, the consumer. Ally has not honored me throughout this process and should get rid of these charges as its inevitably going to be circular until they remedy this. 

7. ) Ally feels that this can not be treated as fraud because I authorized a one-time {$2.00} payment. However, the card was not only removed immediately, but still not authorized for XXXX nor XXXX thereafter. 

I would like for Ally to be held accountable and made to clear this charge from my account.
Product: Credit reporting or other personal consumer reports

After a favorable experience with Tomo XXXX, I decided to give their credit repair service a try ( TomoBoost ). For a monthly subsciption of {$34.00}, they claimed to report a substantial credit line to all three credit bureaus. I have been paying the service for over a year and NOTHING was ever reported. I have written several emails and I keep getting asked to be patient and that they are working on it. I finally started requesting that they cancel my membership and they have stopped responding. There is no way to contact them directly and there is no way to cancel the membership online. I have asked for cancellation and full refund and like I have stated, they no longer respond. I had to pay my bank for a stop payment to Tomo and submitted a dispute for 6 months of charges ( which is all the bank could dispute at ths time ), but the bank just informed me that Tomo provided compelling evidence that I was provided said service, which is interesting because they have stopped responding to me and I have documentation in which they acknowledge that there is something wrong with their reporting. I resubmitted a dispute with my bank and provided all of my correspondence with Tomo. I also submitted a complaint through the XXXX XXXX XXXX, which they also did not reply to.
Product: Credit reporting, credit repair services, or other personal consumer reports

My auto loan originated with XXXX XXXX, Ameris Bank took over XXXX XXXX  along with my auto loan. My auto loan was reported as closed to all three major credit bureaus when Ameris took over XXXX XXXX, when I called Ameris Bank about not reporting my loan to credit bureaus they indicated that it takes time for loan to be updated and reported to all three major credit bureaus. It has been over 9 months since my auto loan was reported as closed to all three major credit bureaus, since then my auto loan has only been updated as opened with XXXX. I have called Ameris Bank customer care over 9 months and every month I call I get a different answer. Most times I am told that my auto loan will appear next month with XXXX  and XXXX, but that has not happen. I would like for my active auto loan with Ameris Bank to be reported as current along with my payment history to all three major credit bureaus.
Product: Debt collection

To start off, I had/have an account with Bank of America . The account was transferred to XXXX XXXX XXXX ( Collectors ). 

In XX/XX/2019 I settled the account with the collector. 
The balance at the time : {$11000.00} The amount we agreed to settle for : {$6200.00} in 24 payments.

1 x {$260.00} 23 x {$250.00} Once I received a settlement letter for this account I called and gave XXXX  my Bank Account and Routing Number for the payments to come out automatically. 

THEY NEVER CHARGED ME OR PROCESSED MY PAYMENTS. Instead, the left me with a wonderful surprise! The account was sent back to Bank of America. I thought I'd get it resolved with them but Bank of America had different plans in mind. They decided it'd be best to sue a client that had made multiple attempts to resolve their account and even set up payments to fulfill a settlement we had agreed on! The lawsuit was first filed on XX/XX/2019. I had an attorney speak on my behalf and I personally tried to resolve this with XXXX, Bank of America, and we even explained what happened very thoroughly to XXXX XXXX XXXX XXXX ( Bank of America 's Attorneys ) and STILL they decided they'd prefer to SUE a XXXX  year old who barely has enough to cover his own living expenses. 

I explained all of this to XXXX XXXX XXXX XXXX ( specifically a rep named : XXXX  @ ext. XXXX at that time, I do not know if he still works there ) multiple times in XXXX, XXXX and XXXX of XXXX. Of course, they don't care, they just want to XXXX me dry of any XXXX that I have. 

NOW, they want to try and Garnish me when I tried working with them? I can't even afford to live with what I'm making part-time! This is absolutely ridiculous and heartless. I'm literally I would understand if I was being irresponsible or not trying to resolve the debt at all but I did what I had to do and XXXX  and Bank of America dropped the ball. They didn't process my payments NOR did they even reach out again about the settlement not being paid.