23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Reporting these items as unconfirmed information is unacceptable without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

HOW BANK OF AMERICA USED " DECEPTION & TRICKERY '' TO TAKE MY HOME RESULTING IN THE LOSS OF MY {$160000.00} DOWNPAYMENT AND " ZERO '' CHANCE OF SAVING MY HOME. 

I paid {$800000.00} for my home and put down {$160000.00} resulting in an Option Arm Loan on the balance of {$640000.00}. It all started in XX/XX/XXXX when I contacted Bank of America about modifying my loan. After untold phone calls, over 15 faxes with information they required from XX/XX/XXXX to XX/XX/XXXX Bank of America did not give me a yes or no on my loan modification. MY FORECLOSURE WAS " RESET '' 2 TIMES I WAS A QUALIFIED CANDIDATE FOR THEIR LOAN MODIFICATION. 

The " deception '' is they never intended to " modify ''. I JUST FOUND OUT that B of A makes more money by foreclosing than modifying. They get reimbursed all monies they have paid out at the time of foreclosure because they are first in line and have control of all funds. If they modify a loan they may not get all their monies or may have to wait a long period of time so it is advantageous for the bank to foreclose. I spent many many anxious days and nights waiting for B of A to make a decision since I was a viable candidate for a modification. Finally, in desperation I made an offer ( see attached fax ) to B of A getting alternative financing with a VA Loan. I made so many calls talking to different analysts and NO ANSWER EITHER YES OR NO! It is now clear to me it was not in their best interest to work in " Good Faith '' with me. In fact, they sold the home for {$310000.00} ( see attached ) which is {$10000.00} to {$25000.00} less than my offer plus they paid a real estate fee and other costs resulting in over a {$31000.00} to {$46000.00} lower net on the foreclosure versus a modification. However, that did not cost B of A it was the investors money on my securitized ARM loan. Instead they got all their extra servicing money ( escalated note rate on ARM Loan ) and other costs over my 5 year modification period. Bank of America got all their money INVESTORS AND MYSELF LOSE ALOT OF MONEY BY THEIR DECEPTION AND TRICKERY. 

I contacted B of A for my file and they could not find anything except one 32 page fax. I have talked to so many representatives and analysts during this process and they didnt have a clue what B of A 's BIG SCHEME OF DECEPTION was really about. 

I WANT MY DOWN PAYMENT BACK OF {$160000.00} I am entitled to this down payment back because I was qualified to get a modification or they would not have reset the foreclosure 2 times. I had a VA Loan approved for {$320000.00} to refinance my home but I could never get a word out of B of A on anything. IF BANK OF AMERICA HAD OPERATED IN " GOOD FAITH '' NONE OF THIS WOULD OF HAPPENED and I would be in my home. 


BANK OF AMERICA did not follow the government programs that bailed them out PLUS THEY DECEIVED ME JUST LIKE THEY DID WITH THEIR " ROBO SIGNING ''.
Product: Bank account or service

I recently paid off my car loan on XXXX and have been contacting US bank every day to get the lien released. Every day I get a different answer, 7 - 10 days to process 4-5 days to process, I have been told 3 times the load was paid on the XXXX, until today which is XXXX and was told it was just processed today and another 7 - 10 days to process then mail to me. It is electronic and I have someone who wants to buy the car but ca n't until the lien is cancelled. I have been hung up on three times when asking to talk to a supervisor, or put on hold for a brief moment to check the status and 35 minutes later I hang up. I fulfilled my obligation and am getting frustrated about getting the clear title to my car. They only have XXXX customer service number so you have to go through the same log in each time. They have closed my account, which they did the same day the loan was paid, so I ca n't even go online to find out what is going on. They have no local banks so I ca n't go in person to speak to a banker.
Product: Mortgage

We purchased our house located  XXXX   XXXX , Texas on   XXXX   XXXX  . The loan was initially with   XXXX   XXXX   XXXX   and then with   XXXX   XXXX  , and then was transferred to  BankUnited on     XXXX   XXXX   XXXX  . Shortly after that, the  Insurance Dept. fro m  BankUnited infor med that our property needs a flood insurance. We sent them  two mail s on   XXXX   XXXX  ,  XXXX  to explain that we had a  Survey from house builde r,  XXXX   XXXX , showing that the house is not on the flood zone. In those mails, a certified SFHDF ( Standard Flood Hazard Determination ),  FEMA Fo rm  XXXX , dated on  X/XX/XXXX , which we submitted to  XXXX  at loan application, was also included to show that the house is marked as zone " X '' on the Flood Map and require no flood insurance. The answer from  BankUnited t hen questioned that the SFHDF we provided was issued on   XXXX  , few months before   XXXX   XXXX  , and so might be out of dated. To respond to their and our questions, we requested for another  XXXX , dated on   XXXX  , again showing our house is on zone " X '' and needs no flood insurance. Meantime, we also contacted    XXXX   XXXX   Floodplain Dept. Manager,    XXXX   XXXX  to clarify. He sent us an email with proof, maps to show us the house is actually on zone "  X '' .. On   XXXX   XXXX  , we  sent them another mail and provided all these findings and proof. Since then, no words from  XXXX . Until, end of   XXXX   XXXX  , when we received the annual Escrow Account  Disclosure Statement, w e surprisedly found that {$1600.00} was charged for flood insurance payment. We called  XXXX   XXXX ,  manager of Insurance Dept., BankUnited, to disc uss the case and request them to reimburse the mischarged {$1600.00} back to our escrow account. She said they will do some investigation about the case. Since then, weeks after that, we called her twice a day to follow up. The answer from the  Dept. has bee n always " She is not available and no one else can be responsible for the case. '' We have no other way to do but file this complaint to pursue a justice and our {$1600.00} back.
Product: Debt collection

To Whom it May Concern, This Letter is a formal complaint that you are reporting inaccurate and incomplete credit information, I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that the bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a credit profile to all creditors who have received a copy within the last XXXX months, or the last XXXX years of employment purposes. 

Additionally, please provide the name, address, and telephone number of each grantor or other subscriber. Under XXXX XXXX, you have 30 days to complete your re-investigation. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been communicating with Capital One since XXXX about changing my name on my account. I was told to send over documents to prove I legally changed my name, I did send over the information and the name was changed on the account with new cards coming in the mail shortly after. I registered the card via the online system to make my payments, but then I was kicked out of the online system. For the last three years I have been calling and been transferred from department to department, everyone uses the wrong pronouns. I was in the hospital multiple times since XXXX and while I would like to keep my account payment up to date it has been hard to do when I have to call all the time just to pay. On XX/XX/XXXX I spoke to XXXX who was supposed to help me change the information once and for all so that I can get on with my life. We were speaking to someone at XXXX XXXX named XXXX, while she was assistance us, XXXX from capital one hung up due to capital one closing and did not call me back. 

Now my account is very very out of date and the supervisors will not talk to me until I bring the account up to date, but the account has been maintained and its not my fault that no one will help me with my account information. I feel like they are not trying because of my gender identity. I was mailed new cards, I have been using the cards for years, I pay the bills under the name XXXX. What is the issue with helping me update my account. I want my account updated so that I can log on and pay and manage my bills. I think this going on for three years is unacceptable and capital one needs to help me. I can pay the bill, but why should I when you continue to discriminate against me.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX, XXXXXXXX XXXX XXXX  ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX, XXXXXXXX XXXX XXXX  ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX performed a Hard Inquiry on my Credit and negatively affecting my credit score by doing so and I want the inquiry removed immediately and I am filing a complaint against this company for running my credit without my knowledge or approval. 

XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Bank Credit Cards Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX
Product: Debt collection

I have reviewed my credit reports and do not recognize these two items and believe them to be identity theft. I have attempted to contact the companies and they have nt acted to delete the incorrect and false information.
Product: Debt collection

I told the company that my name was spelled wrong & it wasn't me
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the fact that I am a victim of identity theft, I contacted the XXXX   credit bureau in writing on or about XX/XX/XXXX and I asked XXXX  to ask JPMorgan Chase Bank ( credit reporting company ) to promptly delete their 2 unauthorized inquiries ( dates : XX/XX/XXXX & XX/XX/XXXX ) from my credit file. Unfortunately, and as of this present date, Equifax has recently reported that these 2 unauthorized inquiries that are associated with the JPMorgan Chase Bank are still currently reporting on my Equifax credit file. ***RECORDS ARE AVAILABLE UPON REQUEST. ***
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts immediately please. 

XXXX  XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} DEPTEDXXXX XXXX {$0.00} XXXX XXXX XXXX {$380.00} DEPTEDXXXX XXXX {$0.00} DEPTEDXXXX XXXX {$0.00} DEPTEDXXXX XXXX {$0.00} DEPTEDXXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXXFILED XXXX {$0.00} BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00}
Product: Debt collection

This account was placed with XXXX XXXX XXXX XXXX and I settled with this for 25 % of the balance {$5600.00}. This account need to be closed as Settled in Full in Barclays system as well as on my credit report. I have a settlement letter from XXXX too!
Product: Debt collection

XXXX XXXX billed me for unused time and never reported to the credit bureau the amounts paid over the terms of the contract. So, no positive payments are reflected and instead, they posted an amount due that should never have been billed to me in the first place. I disputed this with experion and they continue to have the debt on my report with no valid paperwork or contract showing I owe this amount.
Product: Credit reporting or other personal consumer reports

A payment of XXXX was made on XX/XX/year> to settle the Wells Fargo credit card account ending in XXXX. 

The settlement agreement states that after the payment was made, the creditor would be legally bound to report the account as " settled for a lesser amount '' and reflect a XXXX balance. 

According to the credit account being report on all three bureaus, the account is reflecting as closed with a balance of {$1000.00}.
Product: Credit card or prepaid card

Without any approval a Doctors office charged a fee that was already paid for through my health insurance on my Citi credit card that had a XXXX balance. 
Being that I did not ever use that credit card I was unaware that there was a fee charged to the card. 
When I checked my credit score and noticed it went down significantly I discovered the issue. 
Contacted the doctor and Citibank the charge was reversed and all of the interest and late fees were reversed as well. 
While the charge was pending - Citi sent to the credit bureau a mark of serious delinquency to my credit file. 

Contacted Citi on XX/XX/2016 to reverse the notification to the credit bureau. They never removed the delinquencies on my report. 

See .pdf file for charge/fees and reversal of all Credit card remains at XXXX balance
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. Experian and XXXX must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$18000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$130.00} ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In early XXXX XXXX I sent a dispute to Equifax re a fraudulent charge to my XXXX account- which I voluntarily closed. Equifax did not investigate and never notified me of anything. Consequently, I submitted a Statement of Dispute to be included in my report. Equifax did not include it and did not respond to my request to include it. In short, Equifax has- in disregard to its legal responsibility o consumers- ignored all of my correspondence. By doing so, Equifax has caused my financial and reputational harm.
Product: Checking or savings account

This has to be the worst bank I have ever had in my entire life of living and I havent been on this earth for that long. This whole XXXX has been a horrible experience with this bank. Beginning of the month cash was withdrawn from my account and I had to go back and forth with these people to file the dispute. Just to file the dispute, the branch office the people that work online and over the phone all told me different information. I felt like a chicken running with my head cut off because all of the information was conflicting. On XX/XX/XXXX they finally completed the investigation and then gave me my money back. But then guess what? My account is frozen. So I cant access the money that was taken from me. Its so funny because its like BMO basically stole the money back. That is so crazy. I then talk to the fraud department she said oh your account is frozen because of an altered check she said did you deposit I said yes she said oh your account is getting closed it will take 3-4 weeks to get your money. WOW. Didnt even ask for an explanation. I do party planning and decorations. The check was from a client for the remaining balance. I trusted this client as they also paid through XXXX  or cash but they said their account would not let them send it through XXXX  due to the limit and that they didnt want to get that much cash out so I allowed a check. I didnt check it because why would I check it from someone I trust. XXXX and behold the check is Altered and I have no access to the funds I already had and now I also lost out on the {$4000.00} I was supposed to be paid for the decorations. Now I have to go to small claims court for my money. Then I called your back again today the dude says oh you have to go to the branch your account is not closed its just frozen. You have to go to the branch to get your money and then we can close it. So then I called the fraud department again because this isnt what I was told yesterday. The lady this time says oh we are still investigating in whether or not we want to close it but you cant access your money. XXXX. Like do yall even know whats going on at yall bank. Every minute Im being told something different but I know one thing I STILL CANT ACCESS MY FUNDS. You guys want to close my account fine I really dont care I just want my money especially with the holidays coming up. I already have enough going on I dont need the extra stress that you guys have already caused. This is beyond ridiculous. My updated phone number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020, I filed a dispute with this credit bureau about the unverified account XXXX XXXX Account number XXXX, XXXX. In those months I have asked numerous times for a response to their investigation and I have not received anything in response from this bureau in several months, this is a violation of the FCRA 30 day investigation policy. Also This credit bureau is continuing to report the XXXX XXXX  account that should have been removed by order of the XXXX XXXX  company. I inserted a letter with my dispute in XXXX stating that the bureau should have removed this from my report but I'm still reporting. XXXX  removed this from my credit report but Equifax  and XXXX  continued to report it as a closed account when it should have completely removed By the assertion of the letter. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today. Thank you
Product: Credit card

I received mail offers between XXXX and XXXX from Citi Bank for the XXXXXXXX XXXX XXXX card. I decided to apply, since it stated to include 0 % APR for 12 months. In both the personal offer letter and the welcome letter included with my credit card it stated I have personal 0 % APR introductory period for 12 months. I recently moved and dont have a physical copy of either the offer or the welcome letter, considering it was at least two months ago that I received them. I have asked Citi for a copy of my card member agreement but upon request the agent referred me to the general credit card webpage that offers information on ever Citi card. I informed her that credit card offers can be unique to new members and that was the case for me. I knew the card didnt advertise as 0 % Apr to anyone searching for it to apply and that it was unique for being a mailed offer. After explaining it to her she directed me to an area on the website that did not give me the information I was looking for. All of this was through the mobile chat feature. When I called the telephone number the agent I spoke with was argumentatively aggressive and did not allow me to speak with a supervisor. He kept insisting that a supervisor would tell me the exact same thing so I would be wasting my time and theirs. I understand that this bureau can not do anything regarding their attitude towards customer service, I only included how impossible it was to speak with a supervisor to make it clear I have exhausted my options with contacting the company. The APR is variable between 19.9 % and 28 % and these offers mailed out to consumers are predatory. If I use a reference code to apply for the credit card then there should be a record of the reference code.