23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX I filed the following complaint on-line with the Office of the Comptroller which acknowledged receipt, assigned a case number ( XXXX ) and then mailed me a letter, dated XX/XX/XXXX, saying our case would be under the jurisdiction of the CFPB. They were " forwarding '' it. I now am told you have no record of this. Thus, I am resubmitting on your form the exact information I sent them : In late XX/XX/XXXX, we began the process of getting information on reverting our current line of credit 2nd mortgage back to interest-only. Our experience at our local Bank of America branch was alarming -- with extremely incompetent help. We contacted XXXX XXXX, Wealth management Retail Sales Manager and Sales Manager, as his name and phone number were on the documents we received. He apologized and asked us to " start over, '' that he would handle it personally. He came to our house on XX/XX/XXXX. After giving us information we all agreed that the best choice was just as we wanted ... to go back to an interest only home equity line of credit. My notes show he said we could have an interest-only home equity loan as long as we kept it for 3 years. He initiated the process. It took Bank of America until late XX/XX/XXXXto finally get the loan processed even though we have a checking account, first mortgage and the 2nd mortgage with them. Suffice it to say we have gotten numerous alarming and confusing mailings and phone calls asking for information, only to be followed with someone telling us the information requested is not really needed. Late XX/XX/XXXXwe got a call to schedule settlement. Details such as final interest rate were shared, including our payments. These were P + I payments. I explained that we were getting an interest only loan. I was told by the caller, XXXX XXXX of the closing department, that Bank of America dpes NOT even offer an interest-only loan any longer! We were shocked and dismayed. We feel this is an obvious bait and switch, with us investing time and energy in a process only to find they never were giving us what was promised. We are extremely concerned with this level of deception and want it investigated in the hopes of preventing other consumers from experiencing the same.
Product: Money transfer, virtual currency, or money service

I receive monthly XXXX payments via Direct Express and I pay my bills by transferring funds from Direct Express to my XXXX  because some of my debtors require banking routing and account numbers for payments. When Direct Express denies the transfer, I can NEVER contact them to rectify the situation, which causes problems for me. They are never available for calls, I always get a " Try again later '' automated response.
Product: Debt collection

For the last 5 years Syndicated Office Systems and Central Financial Control has been putting duplicate debts on my credit report. I have attempted to dispute but was given the run around. These two companies have a total of {$19000.00} on my credit reports when they have only verified XXXX account for {$2300.00}. I have paid a few grand about {$3000.00} over the last few years only for them to never update my report or lessen the amounts. I am aware of a lawsuit against them and want these removed. They have ruined my life making credit hard to obtain because of the false information they have reported. I have attached my credit report that shows the same amounts being reported by the same company under differnt names. This has been a nightmare and they have been absolutely no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

NCC Business services has been reporting incorrect information to the credit bureaus subsequently negatively affecting my credit score. Ive disputed this alleged debt because the amount is incorrect and by a large amount. After countless disputes and making no progress I decided to send Ncc Business Services a letter requesting validation of the debt. What I received does not validate, provide proof or even could be considered an attempt to produce adequate supporting documentation. Theres nothing in the documents that explain and or address the different line items that I allegedly owe. This derogatory will not go away and I don't understand how they can report erroneous information to XXXX and XXXX without going in front of a judge and obtaining a judgement. Im going to be moving soon and I fear that this collection account may become a major obstacle when it comes time for me apply for leases and or mortgages. At the least I would think it's fair to say that they may be guilty of fraud and defamation of character and pursuing litigation will be my next step if that indeed is my only option. In the interim I think they need to stop reporting this information until they can provide proof. Thanks for your time and I hope this at the very least might help someone avoid this company altogether.
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX  XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX XXXXXXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by { CRA }. { CRA } has violated my consumer rights and violated federal law. This is the FOURTH attempt to notify you of this erroneous error on the part of your agency. 
This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Checking or savings account

I was sent a bank bonus offer for {$400.00} for fulfilling one {$500.00} direct deposit and {$100.00} savings deposit for 3 consecutive months. I fulfilled all terms and conditions and citizens refuses to pay me the bonus I am entitled to. I was told when I opened the account on two separate occasions that I would be paid the bonus by XX/XX/2025. I have not received the bonus.
Product: Debt collection

I submitted my paperwork for a Loss Mitigation/Loan Modification with Loancare ( my new mortgage company ) on XX/XX/XXXX. My request was that my mortgage amount should be lowered so that I could afford to make monthly payments. 

Although I had submitted every single document they requested, they continued to delay taking a final decision. I made numerous phone calls to their Customer Service department, even spoke with supervisors in the Loss Mitigation department in in XX/XX/XXXX. I wrote down the names of those supervisors and customer service staff. All of the Loancare staff assured me that I will NOT be reported to the credit bureau for late payment, since they were still processing my Loss Mitigation request. In fact, an under writer was reviewing my completed file. In early XXXX, I was informed that my paperwork had been transferred to an under-writer, for me to expect a phone call, email and letter about my request anytime before XX/XX/XXXX. XXXX XXXX and another supervisor confirmed that I 'll get a final answer by XX/XX/XXXX about my request for loan modification/loss mitigation. 

I was shocked to learn that in early XX/XX/XXXX, Loancare had reported me to all three Credit Bureaus for being 180 days late in my mortgage payment. 
My Credit is ruined and I 'm unable to get a loan to buy a new home for my family. 

Loancare reported me to the credit bureau for non-payment while the mortgage company was still processing my request for Loss Mitigation.
Product: Mortgage

On XX/XX/XXXX I received an Escrow Analysis document showing a shortage and an increased monthly payment as a result. 
I reviewed the document and it shows PROJECTED v ACTUAL payments made The projected total is 12 monthly payments of {$320.00} From XX/XX/XXXX to XX/XX/XXXX ( 12 months ) The total projected is {$3900.00} The total I actually paid was {$4200.00} The total disbursed was {$4000.00} This gives me an overpayment escrow balance of {$200.00} So I was very confused how I would be considered deficient when I have extra funds in my escrow. 
When I called in, I was on the phone for 38 minutes, the escrow representative, XXXX reviewed how escrow works, and when I asked if we could go over the actual vs projected she was very unprofessional, she said she couldn't follow along with me, and that *her system analysis did not match what I was saying '' She blamed her frustration on me paying weekly, which she said " you aren't allowed to do that! '' I was so confused how my payment frequency affects my escrow disbursement, because technically, I am overpaid by thousands. When I asked her to explain and asked why her system showed something different than the document they sent me, she hung up on me. 
It wasn't a disconnection, you can hear her press a button hang up in the recording. 
Attached is the recording.
Product: Credit reporting or other personal consumer reports

This bank charged an account in XX/XX/23 its showing last payment made XX/XX/23 also showing open on XXXX along with missed payment reported today, This is a violation. Also showing late payments for the last 8 month when they had the vehicle in their possession, also a violation. I will be reporting this to FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/ExperianXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance {$2600.00}, XXXXXXXX XXXX Balance {$2300.00}, XXXX XXXX XXXXXXXX Balance {$3100.00}, XXXX XXXX XXXXXXXX Balance {$95.00}, XXXX XXXX XXXX Balance {$380.00}.
Product: Checking or savings account

Account was restricted again on XX/XX/XXXX after it unrestricted. Tried to withdraw funds.
Product: Credit card

XXXXyncrony bank Sams Club card, the expose my information such as my address, phone number and social security number
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; NONE XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$7500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/2019, I tried to lock/freeze my credit report with Equifax and I'm unable to do it online or by phone. Equifax provides by phone ( Equifax : XXXX ) two sites that don't work : XXXX & XXXX. After filling out all the information required including my social security number, address etc., at the end I'm required to call a provided phone number that is answered by a robot and that doesn't address locking/freezing of the account. 
I had absolutely no problems locking/freezing my credit reports with XXXX  and XXXX, but Equifax has been a nightmare consuming lots of time for NO RESULTS.
Product: Debt collection

Loan type : XXXX Loan Term : Twenty year Fixed Date started : XX/XX/2006 Original loan amount : $ XXXX Total payment made to date lender including principal and interest $ XXXX. 
Original bank ( Bank of the West XXXX XXXXXXXX XXXX ( BMO ) Remaining principal amount $ XXXX. 

We received no electronic or physical communication concerning XXXX or amount due. Also received no official communication from either parties or not provided with a point of contact until a presumable attorney from XXXX reached out to me via served with court papers. 

Last correspondence with bank attorney after Bank of the West said the loan was still owned by them : The discussion about the $ XXXX was based on the conversation I previously shared with you, which I have on record from your client. This is the first time I'm hearing about $ XXXX. The highest amount I've seen documented was $ XXXX, and when you add the $ XXXX in interest and attorney fees, it does exceed $ XXXX. However, our intent is to have a productive conversation. I propose we set aside the legal fees and interest, bringing the amount to {$82000.00}. At this juncture, I expect the bank to engage in a meaningful negotiation. Please refrain from repeating previously sent details. We're here to negotiate, not to reiterate known figures.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes and unauthorized transactions. My concern is further exacerbated by the recent CFPB lawsuit, which highlights significant issues with the platforms consumer protection practices. 

I have experienced an unauthorized transaction on my account involving Zelle that should never have been processed. Despite my efforts to address this issue, the response has been inadequate, leaving me frustrated and concerned about the platforms ability to safeguard its users. 

The CFPBs findings reveal that Zelle has not only failed to provide adequate protection for consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams or theft. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. 

As a customer, I expect a prompt resolution to this issue, including the reversal of the unauthorized transaction and a thorough investigation into how it occurred. Furthermore, I urge Zelle to strengthen its policies, practices, and technology to prevent such incidents from happening in the future..
Product: Debt collection

Harris and Harris called my home. They spoke to me ( XXXX ) asking if XXXX was home. I inquired as to which XXXX they were calling about my son or husband. I gave them my husband 's date of birth for clarification, and they confirmed it was for my husband. They told me the details and the service was from XXXX XXXX. I said wait a minute, I just called Harris and Harris and they said we had no bills there in my name or my husbands. She ( XXXX XXXX ) said oh that is right you called and we told you we could not speak to you, since the bill is your son 's. I said wait a minute your calling about my son who has a different birthday then my husband, when I verified the date of birth by giving you my husbands, you said it was my husband you were calling about, when clearly if you looked at the record you would have seen it was not my husband who has a date of birth of XXXX/XXXX/XXXX, but you were calling about my son, who has a date of birth of XXXX/XXXX/XXXX. A clear distinction. Then you tell me the bill is from XXXX, I upon inquiring about that you than said oh it is from XXXX. At this time I informed you not only did you violate XXXX, but you also got dates wrong. I asked to speak with a supervisor/manager and XXXX XXXX who identified herself as a supervisor came on the line. I informed her the representative violated XXXX, I even tried to confirm she was speaking to the correct party and the representative, was not correct and told me she was when actually she was calling about my son. I informed her I would be filing a complaint and she said that was fine. They do record the calls. It was approximately between XXXX when the phone conversation took place. The supervisor told me they were going to pull the call for coaching purposes.
Product: Credit reporting or other personal consumer reports

I have payed off my Credit Card open with Navy Federal Credit Union but on my credit report it still shows delinquency and an open account for this account. That credit card and that account has been closed for months now and also has been paid off.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of a fraudulent account and inquiry from my credit report due to identity theft. This request is made under the provisions of 15 U.S.C. 1681c-2 ( a ) and Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ). 
Fraudulent Account : 1. XXXX XXXX Account ending in XXXX o Opened : XX/XX/XXXX o Balance : {$340.00} Fraudulent Inquiry : XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Refusal to Pay Alleged Debt and Request for Deletion from Equifax Credit Report To Whom It May Concern, I am writing in response to your attempts to collect a debt allegedly owed by me. After reviewing the matter, I have determined that I do not owe this debt, and I am refusing to pay it.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, credit reporting agencies and data furnishers must ensure that any information reported is accurate, complete, and verifiable. As the alleged debt appears on my Equifax credit report, I am disputing its validity and requesting its immediate deletion for the following reasons : Verification of Debt : As required by the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, you are obligated to provide validation of this debt, including the original agreement proving my obligation to pay. 

Account Name : XXXX XXXX Failure to Verify Accuracy : The debt has not been substantiated, rendering its reporting on my credit file inaccurate and a violation of the FCRA. 

Harmful and Misleading Information : The continued reporting of this alleged debt without adequate validation is damaging and misleading to my creditworthiness. 
Since you can not prove the legitimacy of this debt or my obligation to pay, I demand the following actions : Immediate deletion of the debt from my Equifax credit report.

Written confirmation that the debt has been removed from all records and credit reporting.

Cessation of all communication regarding this alleged debt. 

If you fail to comply, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney general 's office for violations of the FCRA and FDCPA.

Please respond in writing within 30 days to confirm the requested actions have been taken. You may send correspondence to the address listed above. 

Thank you for your attention to this matter. 

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

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items 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 items immediately. 

XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I am an XXXX customer of Bank of America and I have been trying to reach them for a month to resolve my troubles of not being able to log in to my account. No one helped me log in and I can not use my bank card. I need to pay for my food medicine and bills. I have been out of my medication for a month because I can not get into my account. I have talked to XXXX XXXX in the complaint department at XXXX ext XXXX. I also have spoken with XXXX XXXX, and he said he couldn't help and transferred me to the correct department as he called it only for the line to be disconnected. I also spoke with XXXX because my cell phone is an international cell phone. It seems like I have been devalued as a customer because I moved from the XXXX XXXX to my husband 's country of XXXX XXXX. My husband is XXXX and just recently had XXXX XXXX back-to-back. We are not able to make the trip to XXXX just to walk in a branch. I have talked to so many people and no one is helping. Can you please help me resolve this matter??? 

Thank you! 

XXXX XXXX XXXX