23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My account statements that I have never received NOT EVEN ONE, in the mail. And for an update on my balance of about {$3000.00} that I had when my account was closed about a month ago or two ago randomly just wasnt able to login and then I received a letter stating my account is closed and that I will be sent a check with remaining balance after their investigation they have going on within 60 days. Its been a month now and everytime I call they want my account number which I was able to access in the online banking app daily until they removed my account and I didnt think id be locked out so I never wrote it down and didnt notice until now they never ever mail me my account statements monthly with all my information only is accessible and I get emails from my monthly statements that I cant even login to because its connected to the online banking that they stopped me from using without giving my account number which they dont allow me access to because how can I login to get it and they have never mailed it to me. They are giving me the run arounds and it seems they are trying to scam me and keep my remaining balance of about $ XXXX, when I last checked a month ago before they closed my account they wont even allow me to hear my balance over the phone anymore soon as I enter my information Im forwarded to a caller who cant tell me anything or wants me to give my account number but when I ask can they mail my statement which has it to my address on file they say they cant because they need my account number and Ive even given them my full social, name, address, number and was finally able to get a supervisor to access my account without the account number through a phone text verification code and she said she couldnt tell me anything and told me her access is limited so I beg you guys to not let them scam me.
Product: Debt collection

I received a XXXX debit card in the mail which I had NOT requested. The card was sent to my home address in the name of " XXXX XXXX. '' I immediately called XXXX to cancel the card and to find out what had happened. The representative acknowledged that the account had been opened using stolen information. I subsequently communicated with the XXXX representative by e-mail ( which I have ) to confirm that the account had been closed and that the matter was resolved. I am now being harassed by a debt collection company ( American Coradius International, LLC. ) with respect to amounts owed to XXXX relating to the fraudulently opened account.
Product: Mortgage

MY HOME IS IN A FEMA DECLARED DISASTER ZONE FROM HURRICANE HELENE AND MILTON. I MADE MULTIPLE REQUESTS VIA TELEPHONE AND WEBSITE REQUESTING ASSISTANCE WITH MY MORTGAGE. I NEVER RECEIVED A RETURNED PHONE CALL, EMAIL, USPS MAIL, OR ANY TYPE OF FOLLOW UP AFTER MULTIPLE REQUESTS. I AM IN A HARDSHIP DUE TO DAMAGE TO MY HOME. THIS COMPANY HAS BEEN IMPOSSIBLE TO DEAL WITH AND I WISH MY MORTGAGE WAS NEVER TRASFERRED/PURCHASED BY THEM.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Collection Account Under the FCRA To Whom It May Concern, I am writing to dispute a collection account that is inaccurately reported on my Experian credit report. The collection agency associated with this account is not licensed or permitted to collect debts from California residents. As such, this account violates both state and federal consumer protection laws and should not appear on my credit report.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), credit reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy in consumer reports. Reporting a collection account from an agency not authorized to operate in my state is a failure to comply with this obligation. 

Details of the Disputed Account Account Name : XXXX XXXX XXXX Account Number : XXXX Amount Alleged Owed : {$1600.00} California law requires debt XXXX to be licensed by the California Department of Financial Protection and Innovation ( DFPI ) to collect debts from California residents. A search of the DFPIs records confirms that this collection agency is not authorized to collect debts in California. Therefore, the reporting of this account is not only inaccurate but also unlawful. 

Actions Requested Conduct an Investigation : Investigate the legitimacy of this collection agency and its authority to operate in California. 

Remove the Inaccurate Information : Delete this collection account from my credit report if the agency can not demonstrate that it is legally licensed to collect debts in my state. 
Provide Written Confirmation : Send me a written response confirming the removal of the account and provide an updated copy of my credit report reflecting the correction. 

Please complete your investigation and respond within the 30 days required under 15 USC 1681i ( a ) ( 1 ). Failure to address this matter may result in further action to protect my rights, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California Attorney Generals office. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX, XXXX
Product: Mortgage

Dear, CFPB representative my name is XXXX XXXX I am on SSD. I live at XXXX XXXX XXXX. My family ( my XXXX  and two grand children ). and I were effected by covid-19 this was a hardship. my XXXX  lost employment and had to stay with me from XX/XX/XXXX to XX/XX/XXXX. 

I fell behind on my mortgage the servicer Select portfolio Servicing acct # XXXX I requested mortgage assistance and forbearance was given for three months. 
i had to file Bankruptcy and now I am facing Foreclosure. 
I request mortgage retention ( Principal reduction ) I get {$1500.00} in SSD and I have a room rented at {$500.00} a month. 
the Servicer stated there is no modification or retention available. 

Can I recieve mortgage relief from American relief due to covid -19? 
or Reduction in mortgage so I wont be homeless. 
prior to covid -19 I purchased home in XXXX at {$230000.00} put {$46000.00} down bring mortgage to {$180000.00}. 
I was locked out of home for three years in XXXX a ZOMBIE FORCLOSURE the mortgage was {$170000.00}. 
in XXXX Select portfolio added three years of mortgage to the end of loan bringing the term to {$310000.00} which included a {$650.00} escrow monthly payments of {$1300.00}. 
now I owe {$320000.00} on this mortgage. 
I was denied modification and retention XXXX XXXX. 

please help me stay in my home I am american I worked 25 years and now XXXX on a fixed income I just dont want to be homeless. 

can you contact them to see if a Principal Reduction can happen/ help?. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, PA XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please help! I noticed iquiries on my report that aren't mine. This is hurting me and my family. Please remove them from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am glad to see some improvements to my report, including the removal of several accounts I had previously disputed. Yet, there are still some accounts on my report that are false and were resulted from identity theft. I am asking for your assistance in getting rid of the last few items on my report. Any account reported on an identity theft report must be removed or blocked by the credit bureaus in accordance with FCRA section 605b. In order to help stop false information from being submitted on my report, I have included a few papers. 
XXXX XXXX XXXX Balance Owed : {$100.00} XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX Balance Owed XXXX {$520.00} XXXX XXXX XXXXXXXX XXXX XXXX Owed : {$270.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX Balance Owed : {$3900.00}
Product: Credit card or prepaid card

Hello, in relation to Brinks debit Mastercard 1 ) company never send me an statement 2 ) company over charged and took more than what they were saying before 3 ) company did not report my creditworthiness to : XXXX XXXX, XXXX and other credit agency now : I want that the monthly statement send it to me, all amount which over charged to be refunded to me and the report of good standing send to 3 credit agencies thanks regards
Product: Mortgage

Freedom Mortgage has made our new homeowner experience difficult. This is the third time in two years that this company has overpaid our property taxes. Each time, I have asked them to correct our account to document that we are to pay semiannually rather than annually. Each time, I am told that it was fixed ( which never happened ) and that we would receive a refund. Unfortunately, this year we were refused the opportunity to obtain a refund and adjustment in monthly payments. In XX/XX/XXXX, Freedom Mortgage XXXX Department paid {$3000.00} in property taxes to the city of XXXX. After multiple conversations via phone, I was ensured that the account was adjusted and to expect a refund/new escrow analysis. Weeks went by and I didn't receive anything. I called the XXXX Department several times from XXXX to XXXX. My final conversation on XX/XX/XXXX, resulted in a rejection of a refund/new escrow analysis. We were told that they accepted fault for their mistake, but stated that it was nothing that they could do. We are now respond to pay {$1500.00} to bring our escrow out of the negative. This resulted in a {$200.00} increase in our monthly payment and added stress to our monthly finances. I can't believe that the same company would make the same mistake three times in a row and not learn from it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had disputed negative information on my credit reports. To date the negative information is still appearing I am uploading documentation that this account is to removed off my credit reports
Product: Credit card

I have three small problems with the credit card billing for my purchases in XXXX, where I live off and on with my nonprofit, Bank of America is fully aware of my using one of their cards in XXXX, but they do not permit me to file small disputes on line. They insist on my calling them, after having been warned that I can not call from XXXX and that they should not call me to my XXXX phone number, because I can not talk to them on the phone BESIDES, THERE MUST BE A WRITTEN RECORDO OF the BofA customer abuse, The disputes are regarding the grocery purchases as XXXX XXXX XXXX XXXX XXXX XXXX XXXX One of them is for around {$6.00}, another around {$22.00}, and another {$2.00}. All are about not receiving all the products for which I had been charged respectively XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Yes, it happens sometimes in XXXX XXXX : ( And it is not possible here to resolve any problem here after the money/payment had been processes, And the Bank of America is not helping either their customers or the XXXXXXXX XXXX economy by making life miserable tfor their US customers in the XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX. On XX/XX/2021, I sent a letter in regards to mistaken and obscure things on my credit report. Right up 'til the present time, more than 30 days after the fact, I have not gotten a reaction at this point. I feel like I'm being taken advantaged of and being overlooked. Section611 ( a ), It expresses that inability to examine these things inside 30 days gives motivation to quickly eliminate those things from my credit report. It's been more than 30 days so they ought to be erased speedily. I request that these records be erased quickly or I will petition for suit because of the pressure you have caused me. My data was additionally affected by the Equifax data breach and may have gotten under the control of some unacceptable individual.
Product: Debt collection

I received a threat of a lawsuit from Strauss, Factor, Laing and Lyons for their client XXXX XXXX XXXX. In 2020 I asked XXXX XXXX the original named creditor under Fair Debt Collection Practice Act, 15 USC 1692g to provide validation of the debt. They replied that they had sold the debt to XXXX and had no proof of debt and were not required to provide proof because they were not pursuing the claim. Subsequently, I have repeatedly asked XXXX to provide me with proof of debt under the relevant federal laws cited above. This request was also made in the state of California and is also covered under California Penal Code which provides for a fine of {$100.00} per day for each day that the proof is not provided. That amount now totals approximately {$54000.00} and continues to accrue because rather than providing proof of debt, XXXX has instead decided to harass and threaten me. 
I have attached my first Identity Theft Report which has subsequently been updated as companies have assisted. XXXX XXXX has refused to assist and has never provided any documentation. That refusal has delayed my update of my ID Theft report and has delayed my ID Theft Insurance claim.
Product: Checking or savings account

I was banking with chime {$5000.00} plus dollars came up missing out of my checking account ask repeatedly for help an statements! Next they closed my account .I up loaded XXXX XXXX XXXX so they can see it was not me an still no help or investigation.
Product: Checking or savings account

XX/XX/18 bank charged {$36.00} fee for a {$27.00} approved charge to come in that day. They charged the {$36.00} fee after I made my deposit. I called customer service and got a couple of different stories, then they transferred me to the bank and I got another story. As of around XXXX on XX/XX/18 there was no pending {$27.00} charge. On XX/XX/18 I pulled up my account and there was the approved pending {$27.00} charge. I went to the bank after XXXX on XX/XX/18 to cover the charge. The bank is using discriminatory practices to gain financially on consumers because if the approved charge for {$27.00} was actually on my account XX/XX/18 it would have shown pending online as it does today and my deposit would have covered it. Instead, it was never pending and they chose to assess a {$36.00} fee.Other banks have been fined and had to refund charges for these types of discriminatory practices in the past and have paid high penalties. BancorpSouth was fined over $ 10M earlier this year for other discriminatory practices and I guess they atrying to recoup the money using another discriminatory practice.
Product: Credit reporting

I have sent Numerous notices to Equifax to delete the inaccurate Inquiries accounts they could n't verify or Validate to me. These accounts are not mine & need to be delete from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a collection account with Ford Motor Credit Company LLC I paid them in full and they agreed to remove the collection from my credit report and they did but now I just received a copy of my credit report and the collection is back, I called Ford Motor Credit Company LLC and they told me they will remove it again but nothing has been done. Please remove the collection account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 35 days. I feel as though I'm being used and that my complaints are being ignored. It is clearly stated in Section 611 ( a ) that failing to investigate these issues within 30 days is a reason to remove those things off my credit report immediately. It has been over 35 days, and they should be erased immediately. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX  partial account number XXXX****. ( Please see page attached. ) This mortgage was transferred from XXXX XXXX  to XXXX to XXXX XXXX which is part of XXXX. This was an In- house transfer with no notice given to me. I have had perfect paying history and this late is a mistake and should have been part of the ( 60 ) day grace period that restarted when XXXX XXXX switched me to XXXX XXXX in XXXX. This false reporting of a late is seriously harming my credit score and needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a delinquent account with XXXX XXXX XXXX and the account was sent to CBE Group for collections. I sent a payment to the company via money order and the company did n't receive it or denies receiving the payment. I contacted XXXX XXXX XXXX directly  and submitted several payments until the debt was paid in full in XX/XX/XXXX. 

CBE ( XXXX ) XXXX, and XXXX ( XXXX ) XXXX both continue to report the bill as delinquent. On XX/XX/XXXX, I sent them both copies of money orders proving the bill was paid, but the account is still reported as delinquent. 

I contacted XXXX XXXX XXXX, Closing Bill Unit, ( XXXX ) XXXX, on XX/XX/XXXX, and was informed that the account was released from CBE in XX/XX/XXXX, and XXXX XXXX XXXX submitted another request to have my account updated on XX/XX/XXXX. 

I do n't know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I did not apply for some mortgage products or credit line from these accounts..I sent a letter to Equifax hoping they will help me out but they never did..CFPB please step up and remove the accounts XXXX ( Original Creditor : XXXX ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

A account was opened up in my name with capital one several times
Product: Credit card

Between XX/XX/XXXX and XXXX my credit card with SoFI was charged {$2900.00} across 29 different transactions all at different XXXX locations in the XXXX and XXXX. All of these charges were fraud and clearly the sign of a sophisticated scammer drawing each charge under {$100.00} so activity wouldn't be noticed. 

The timing of this was extremely bad. I was traveling for work the day of the first transaction and in the process of closing on a house and moving that week, resulting in me not noticing the activity until the card was maxed out. 

I submitted a dispute claim on XX/XX/XXXX when I noticed the activity and started the process. I wasn't able to provide my supporting evidence to the fraud, unfortunately. With my case ( XXXX ) Sofi did not reach out to me and as it stands, has broken the terms of agreed upon cardholder agreement. 

Attached is clear proof of transactions by location proving it is impossible for me to have made this transactions. I also give clear explanation for the timing of this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

The three major credit bureaus have been ignoring all my disputes and I have inaccurate items on my credit. I have been sending disputes along with my husband since XXXX of 2020. It has been almost a year and I have yet to receive any correspondence from any of them! I know that there is a delay but there is simply no way the bureaus have not received any letters from us. Under the law the credit bureaus have 30 to 45 days to respond to the disputes and I have yet to see anything be fixed! There are inaccurate items on my credit and it must be resolved.
Product: Credit reporting or other personal consumer reports

I am listing accounts 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 XXXX  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 has hurt my ability to obtain credit.
Product: Credit reporting

While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX XXXX on or about XXXX/XXXX/2015 on EQUIFAX. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately.