23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I refinanced my home on XX/XX/20 with Hancock Whitney Bank in XXXX, Alabama. The parties I dealt with were XXXX XXXX and XXXX XXXX. XXXX offered to match loan terms with a competitor that offered a rate with no bank fees whatsoever, or so she said. This was after shed failed to lock at a lower rate after requesting to do so. Bank fees kept showing up on all the disclosures but I was told over and over, dont worry about it, itll all be fixed at closing. I was even asked to sign a Closing Disclosure that I told her I couldnt she. After telling her that, she said again, dont worry, its fine, just sign it, Ill fix any problems that show up. Shortly before closing, in a rush, I start receiving docs and the fees were still there. Nearly {$1200.00} worth of fees and $ XXXX of padded interest on the loan they were refinancing, well beyond what was needed. I asked to have the fees removed as promised multiple times, and she stated she never said that the loan wouldnt have any fees, despite confirmation from parties that heard her tell me the same over the phone. I took it up her with her superior, and he stated that he could fix it, but would not. He was aggressive and rude and intentionally dragged out corrections to the file so that I was forced to accept them as written or miss my rate. I asked multiple times to pay my closing costs by check at closing rather than finance them, and they intentionally ignored that request to drive the loan amount up and refused to fix it as we approached closing. I would recommend everyone RUN from this bank as quickly as possible, especially those two people at that bank. Expect fraudulent practices and lack of concern for your wellbeing or any type of real service on your behalf. Its only about how much they can make off of you before you notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute with XXXX in regards to the incorrect item on my credit report. It has been well over 30 days and I haven't received any investigation results.
Product: Credit card

TD Bank had allowed three transactions that I reported as fraud within 24 hours of them being posted to the account. 

I provided TD Bank with receipts of where I was during the time of these transactions as well as a receipt that I was charged two separate times on two different cards for the other.

TD Bank today reversed all three credits that were given to my account even after two were finalized per TD Bank correspondence. 

They charge back approximately {$1200.00} to my account causing me to be negative in my account and then charged me overdraft and maintenance fees.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$41000.00} Repossession XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX date of Inquiry XX/XX/XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$22000.00} XXXX XXXX XXXX XXXXXXXX **** Date Opened : XX/XX/XXXX Balance : {$39.00} Late/Open XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$30000.00} Late/Open XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00} Late/Open
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I received an e-mail from " XXXX '' stating that I had an outstanding balance of {$4800.00}. The bottom of the e-mail stated that this was a communication from a debt collector. Being unfamiliar with this amount, this debt, or this debt collector, on XX/XX/2018, I responded, saying " I do not acknowledge that this debt is mine and take no responsibility for it. However, I'm willing to pay {$300.00} to have this account settled in full and deleted from my credit report. '' On XX/XX/XXXX, I received an e-mail from " XXXX '', acknowledging my dispute and stating that he would file a dispute formally for me. He stated that they would reach out to me soon after they received more information from " XXXX XXXX XXXX '', signed " XXXX XXXX, True Accord Engagement Team, with an address I later used to dispute the validity of this debt. 

This same day, I e-mailed XXXX XXXX XXXX contesting this debt and received the response : " Your account has been transferred to our partner company TrueAccord and they should be contacting you to assist in resolving your outstanding balance with XXXX XXXX. Your current balance is {$4800.00} We encourage you to work with them to resolve this outstanding balance. To do so, please contact them directly at XXXX or email them at XXXX. '' Considering that they no longer and collecting the debt, I don't understand how they can continue to report negatively on my credit. Legally, they can not. 

XX/XX/2018, I sent TrueAccord a request to validate this debt via XXXX certified mail ( tracking number available ). This letter was received by an individual on Monday, XX/XX/2018 to the address listed in the e-mail I was first sent ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA ). This would have brought the amount of disputes for this debt up to two. 

As of today XX/XX/XXXX, I still have not received any correspondence from TrueAccord regarding the validity of this debt.
Product: Debt collection

Commonwealth Financial Systems, Inc on behalf of XXXX XXXX XXXX is trying to collect an invalid debt. They have been notified and a fraud affidavit provided, but still reported to credit bureaus. This account was removed from my credit reports after previous complaints about other debt collectors ( XXXX, XXXX XXXX ) hired by XXXX. They keep shifting to different collection firms.
Product: Credit card or prepaid card

I see multiple 30-6 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! 

This came straight form Experian when I filed the CFPB complaint :. '' We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. In your dispute, you indicate having received no response to a previous dispute into inaccuracies in an account. You are requesting that the disputed item be deleted. Per your previous request to conduct a reinvestigation, we contacted the data furnisher and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the disputed information was accurate as reported, however, they may have updated other aspects of the account ( s ). The result summary was sent to you for review on XX/XX/XXXX, and XX/XX/XXXX '' If Experian verified this account as ACCURATE then why did they go back and change the information at a much later date... how is that possible? 

That lets me know that an investigation was never done PROPERLY because if it was accurate the first time, there should be no reason to update or change the information per the FCRA!! 

Also, HOW did they verify this as accurate? What RECORDS were used? What documents?
Product: Credit reporting, credit repair services, or other personal consumer reports

On Tuesday, XX/XX/XXXX, I received a phone call from XXXX XXXX 's fraud department, my credit card company. Today, Wednesday, XX/XX/XXXX, I contacted the XXXX XXXX fraud department. They indicated that my credit card account was closed by the credit bureaus due to " a fraud application '' .I asked to speak to the manager to gather additional details and they were not willing to provide additional details except for the phone numbers for Equifax , XXXX , and XXXX They also stated that there's nothing else that they could do. I have had my credit card with XXXX XXXX for over a year and have been using my card and paying on it regularly, but the credit bureaus closed down my card without my consent.I contacted XXXX first and was unable to get in contact with a person because there were no prompts available to speak to a person. I then contacted Equifax, and had he same issues with them. I was unable to get in touch with a person. Next, I contacted XXXX, and was able to speak to a person, but they were unaware of the account being closed, but in their system, it's still showing to be active. The representative encouraged me to contact the other bureaus, but I already did that and had the most difficult time getting in contact with them and still never got to speak with anyone.
Product: Checking or savings account

This is at least the fourth time in the past two months that my payroll deposit was placed on hold. Initially it states that it will be a 10 - 14 day hold. This has been happening when I deposit it from my phone on the CHASE app. I have called the HOLDS DEPARTMENT and they then remove the hold. They do not understand why this is happening. However, two weeks ago I went into the bank to deposit my check in person and it not an issue. Today I used the app to deposit my payroll check, and it was placed on HOLD yet again for 10 days or more. I called the HOLD department and they reviewed my case. They released my funds but they are not available to me today. I talked to a supervisor and she stated that it is out of her control. They do not have an explanation why this keeps happening. This is unacceptable. This should NOT be happening. I have worked for the same company for over three years. They have not right to keep my funds from me.

I have been with Chase for years and this issue began about two months ago. It is time that I find another bank as they are unreliable and I need my money that is entitled to me asap.
Product: Checking or savings account

Bank Of America has literally stolen {$110.00} from us and refuses to put it back in our account. XXXXXXXX XXXX cashed a check that was taken from our mailbox XX/XX/2021. They notified us of the error and informed us they were sending the money back to Bank of America. BofA confirmed they received the money but they refuse to put it back in our account. We have completed the paperwork and sent it to them twice but they still refuse to rectify their error. We have contacted them multiple times and continue to get the run around.
Product: Debt collection

On XX/XX/XXXX I contacted the three credit bureaus to inquire about inaccurate information that is currently reporting on my credit profile. XXXX is an account that was opened XX/XX/XXXX on my profile. The account number is XXXX and has a balance of {$630.00}. It was opened against my knowledge and consent, and is a charged off account that has a negative rating on my credit profile. I am asking all three credit bureaus to remove this account from my profile. Per 15 U.S.C 1681S-2, " permissible purpose of the consumer, a person shall not furnish any information related to a consumer to any reporting consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate ''. 15 U.S.C. 1692-J states, " No one may design, compile, and or furnish any form that creates the false impression that someone other than the creditor is participating in the collection of a debt ''. 15 U.S.C. Code 1681C-2 " Block of information resulting from identity theft. ( A ). A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than ( 4 business ) days after the date of receipt by such agency. ( 2 ) A copy of an identity theft report ''. Please remove immediately.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$700.00}. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$110.00}. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. XXXX  XXXX XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. XXXX  XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. XXXX  Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$3000.00}. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$1500.00}. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report.
Product: Student loan

Hello. I am a XXXX military veteran. I had all my student loans on forberance. Upon my arrival back from XXXX. I get a call saying my forbearance had expired and I did not reapply. That is not true, I did resubmit and faxed my orders to XXXX XXXX XXXX. Without that forberance my score went down and my credit hasn't been the same since 2012! Plus, my loan account moved to another provider and I never knew it! They were sending mail to an old address and did not have the correct number to contact me. So, by the time I would reach out to someone on my behalf ... the loan had moved! Very frustrating. My credit is jacked, my grandparents who co-signed for me ... their credit is messed up. I 100 % know I play a huge role in this and I take responsibility for my mistakes. But, I serve my country and comeback home to set things straight and I haven't been able to get a grip on my life and my credit life yet. Forberance was the only thing helping my credit score stay above water until I can make payments consistently and comfortably. Now, I hate when my phone rings and I just want to get it right.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered multiple serious violations of the Fair Credit Reporting Act ( FCRA ) that need to be addressed immediately. I am writing to formally dispute the inaccuracies and improper practices I found, and I expect prompt action from the companies involved. 

First, I noticed several inaccurate payment histories on my credit report, particularly regarding late payments that dont reflect my actual payment history with certain creditors, like XXXX XXXX XXXX According to FCRA Section 1681i, credit reporting agencies are required to investigate and correct any information that is reported inaccurately. These false reports of late payments need to be corrected and updated to " paid as agreed '' or " never late. '' I also found incorrect personal information on my credit report, such as addresses that dont belong to me. This violates FCRA Section 603 ( d ) ( 2 ) ( A ), which requires companies to disclose my right to opt-out of sharing my personal information. These errors need to be deleted immediately. 

In addition, I found several instances of debt collectors reporting debts that they have not properly validated, which is a violation of 15 U.S. Code 1692g. I have requested that these companies provide the original signed contracts, or other proof that I owe these debts. If they can not provide this documentation, I expect these items to be deleted from my credit report as required by law. 

Moreover, there are unauthorized hard inquiries from companies like XXXX XXXX and XXXX. According to 15 U.S. Code 1681b ( a ) ( 2 ), credit inquiries can only be made with my express written consent. Since I did not authorize these inquiries, I am requesting that they be removed from my credit report. 

In summary, I have identified numerous inaccuracies, violations of my consumer rights, and unlawful practices related to my credit report. I am demanding that all of these issues be corrected immediately. If these violations are not addressed promptly, I will have no choice but to pursue legal remedies under the Fair Credit Reporting Act. 

I expect a prompt response and resolution to these matters. 

Sincerely, XXXX XXXX
Product: Mortgage

I missed payments from XXXX - XXXX of XXXX. XXXXXXXX XXXX XXXX XXXX XXXX called and offered to put those four payments at the end of my mortgage if I made 3 payments XX/XX/XXXX - XX/XX/XXXX. They then sent me a loan modification ( not what they offered ) and sold my mortgage ( end of XXXX? ) to XXXX XXXX XXXX XXXX XXXX XXXX. I made the payments ( one to XXXXXXXX XXXX, then 2 to XXXX ) but refused to accept the loan mod as it added 14 years to my mortgage term. 

While trying to figure out what went wrong, XXXX XXXX XXXX then sold my mortgage to Right Path Servicing ( RPS ) / Nationstar ( XX/XX/XXXX? ). I then spent many more months trying to figure out what was going wrong. RPS then offered me a loan mod if I made 3 payment XX/XX/XXXX - XX/XX/XXXX. Fatigued from the delay I accepted and made the payments. They then rejected the loan mod in XXXX, probably because interest rates had risen and they couldn't offer a monthly payment commensurate with my existing XXXX XXXX mortgage per the rules. 

Frustrated with being run around I called a HUD counselor ( XX/XX/XXXX ) who explained that XXXXXXXX XXXX  likely tried to illegally transition me from the " payment deferral '' they offered to a " loan modification '' because their HELOC would be moved from XXXX to XXXX position, thereby increasing their risk. Wanting to hide their mistake, they then sold my mortgage to obfuscate matters. Note that I recently received some paperwork which said XXXXXXXX XXXX  was now the holder of the mortgage again ( XX/XX/XXXX ) although RPS is still claiming to be the servicer. Calls to RPS have been cutoff as their phone system is clumsy at best.

I am seeking mediation. My loan information is : Right Path Servicing / Nationstar XXXX XXXX ( XXXX ) XXXX LOAN NUMBER XXXX XXXX XXXX Due as of XX/XX/XXXX : $ XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I suffered an XXXX data breach. My information has been used fraudulently. I have reviewed my consumer report and have noticed various accounts opened using my private information. All allege contracts are completely fraudulent and an attempt to enforce a fraudulent contract is unlawful due to the contract being created through illegal activity and power of attorney fraud. Please expedite the securing of the allege information listed on my consumer report to avoid me being a victim of identity theft. The FDCPA is intended to secure my right to privacy and my privacy has been breached. Please block and remove all information resulting from identity theft pursuant to FCRA 605b and Title 15 USC 1681 c-2 which states that these accounts must be removed within 4 business days. Title 15 USC 1681 604 ( a ) ( 2 ) also states a consumer reporting agency CAN NOT furnish an account without my written consent. YOU DO NOT HAVE MY CONSENT. Title 15 USC 1681 602 ( a ) states I have a right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have my credit monitoring by XXXX. I just received my 3 bureau credit report and Transunion information is not correct. I tried to file a dispute but wans n't permitted stating that I had a dispute in progress which I do not. This is hurting my credit.
Product: Debt collection

The Moore law group in violation of FCRA 605 ( b ) ( 15 U.S.C. 1681c-2 and 16929 ( a ) failed to provide Validation of debt of the fraudulent purchases made on my account. Then filed a lawsuit case number XXXX in XXXX XXXX without providing Validation of the fraudulent debt.
Product: Mortgage

I have been trying for 3 years to get a loan modification from Bank of America. For some reason, they kept denying me. I recently gave up, and I am trying to do the Deed in Lieu, or the XXXX program that they have listed on their website. I am a XXXX, and also just had a new baby. I ca n't sit around and waste time not knowing if my family will be kicked out on the street or not, so I opted to do the cash for keys and at least we know we would n't be left in the cold and would have some relocation assistance. My counselor and I applied with them on XXXX/XXXX/2016. Bank of America HAS NOT touched it, and has let my application sit. I now have a sale date for XX/XX/XXXX. 

My counselor called in to Bank of America and spoke to XXXX XXXX ( today ), who stated that I could not get this program until I " have received an offer for a short sale but was denied. '' That makes no sense and sounded like another made-up excuse to get us off the phone. 

Nobody at bank of America has ever tried in the slightest to help me. All I am asking is for relocation assistance ( program is advertised on their website ), if they will not help me with a modification. 

Nobody is responding to me and instead gave me a sale date. I NEED HELP.