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

One of the three major credit bureaus, TransUnion, may maintain a wrong record of my date of birth. The wrong data of my identification made me being rejected in many situations. As a real case happened in XXXX, I was unable to get Internet service from XXXX. I first applied via phone calls, all agents failed, and suggested me to go to a solid store in person. I did so, but failed again. My problem was escalated a couple levels in my 3 hours waiting there. Even the store manager keyed in his own privileged code trying to surpass the blockage, their system wouldn't let him overwrite the mismatch between birth year XXXX on driving license vs. birth year XXXX from credit report. I asked which one of the 3 major credit companies provided that wrong data? The store manager replied it was confidential, they were not allowed to reveal it. I understand that your organization advises us to first try contacting directly involved company for resolution. But in my case, I really dont know which company to file complaint with. I wish you would be willing to offer help to me. Any help from you shall be highly appreciated.
Product: Mortgage

RE : RESPA QWR QiualifiedIn order to conduct the audit and review of my account, the following answers to questions concerning the servicing and accounting of my mortgage account are needed. Accordingly, please provide me, in writing, detailed answers to the questions listed below. 



Written Response. 
15 ) Has interest been charged on any attorney fees assessed to this account? Yes or no? 

16 ) Please send copies of all invoices and detailed billing statements from any law firm or attorney that has billed such fees that have been assessed or collected from this account from the inception to the present date. 

17 ) Has there been any suspense or unapplied transaction on this account from the inception of this account until the present date? Yes or no? 

18 ) Please detail each and every suspense or unapplied transaction, including debits and credits of that have occurred on this account from the inception of this account to the present date. 

19 ) Please provide the name and address of each company in person who conducted each property inspection on this property. 

20 ) Please tell me why property inspections were conducted on subject property. 

21 ) Please tell me how property inspections are beneficial. 


22 ) Please tell me how property inspections are protective of subject property. Please identify and writing the provision paragraph section or sentence of any note mortgage deed of trust or any green meant I signed that authorize the assessment or collection of property inspection fees. Have you labeled in any record your document sent to me a property inspection as a miscellaneous Advance? Yes or no? If yes why? 

23 ) How much in inspection fees have been assessed to this account from the inception of this account to the present date? 

24 ) Please forward copies of all property inspections made on subject property in this mortgage account file. 

25 ) Has any fee charge to recessed for property inspections been placed into an escrow account? Yes or no? 

26 ) Have any broker price opinion 's fees been assessed to this account? Yes or no? 

27 ) If yes how much in total XXXX fees have been charged to this account? 

28 ) Please identify the provision paragraph section or sons of any note mortgage deed of trust or any agreement I signed that authorize the assessment charger collection of a broker price opinion fee. 

29 ) Please send me copies of all broker price opinion reports that have been done on subject property. 

30 ) Has any fee charged processed for a broker price opinion been placed into an escrow account? Yes or no? 

Please provide me with the documents I requested and a detailed answer in writing to each my questions so that an exam and audit may be conducted in accordance with all applicable state and federal laws. Thank you for your compliance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, MN XXXX : XXXX, State of Minnesota, Attorney General
Product: Student loan

The letters, statements and notices werent straightforward about the status of my loan or its recent activity. The automated phone prompts and voice response system also gave me a hard time when I called in to receive clarification on the status of my loan. I had updated my automatic payments based on all information provided on the website and forgot that I had when I started receiving letters from them informing me that they had returned my checks. I was no longer in a rush to check why I was continuing to receive notice about the checks being returned because I assumed that updating the automatic payment information to meet the deadlines established on the website without logging on was valid and sufficient to keep my account in good standing. My account is in good standing but I could not tell unless I called the customer service center. I think that may bank may have continued sending checks without my permission.
Product: Mortgage

Attempting to contact Rushmore Servicing customer service at phone number listed on statement XXXX. 
It is impossible to reach a customer service representative using this phone number.

Systems auto attendant will not provide any options to speak with a human as the system did not have my S.S. Data it would not allow me to get to a live agent even when I used my loan number. This company
needs to add a prompt as there may be other consumers who have concerns outside of the allowed prompting system requiring them to get human assistance. This is a terrible situation and can impact a consumers ability to resolve matters and cause delinquency and credit related problems. This needs to addressed to protect the consumer access to their accounts. Thank you for your consideration regarding this issue. Have a great day.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2018 I went to community credit union to get a loan to purchase my leased vehicle from XXXX XXXX. the loan officer called XXXX to inquire as to the payoff amount she ran my credit and they approved the payoff amount XXXX gave her ( my credit score was XXXX ) she contacted XXXX for a hard copy of the payoff before she could issue a check of which they sent via fax dated XX/XX/2018 my banker cut a check for the amount of {$22000.00} and mailed it to XXXX dated XX/XX/2018 XXXX received the check XX/XX/2018 and deposited it XX/XX/2018. As far as the bank and I knew the truck was paid for but the bank never received the title about 2 months later we started checking and XXXX was claiming I owed them more money for a payment in XX/XX/18 and XX/XX/18 we could not understand they said they had sent the wrong payoff amount that it should have been {$23000.00} and that they could not apply the check we sent to my account because it was incorrect they had already turned me into the credit bureau as late on payments it was all there mistake and they fined me for late payments at this time all I wanted to do is pay them and get my credit fixed so my bank sent them a check for the difference but now my credit score is XXXX because of there mistake + {$1500.00} in fines and penalties I had to pay.
Product: Prepaid card

I use way2go prepaid card for my child support card and when money was deposited onto my account about {$30.00} was missing and when I went to go use the money at ATM it wouldn't let me get no money out. So I tried to call customer service and there is no way to talk to a person or to get any information. I've called several related numbers to the way to go program and there is no possible way of getting a hold of customer service or a person to help me with the situation. This is not okay especially if the government 's going to use it for child support money or if the government 's going to use this type of prepaid card at all
Product: Vehicle loan or lease

Account Number XXXX On XX/XX/2020, I XXXX XXXX purchased a XXXX XXXX from XXXX XXXX XXXX, located in XXXX, NJ. Unfortunately after further review the vehicle was unsatisfactory and realized there was information about the vehicle that wasn't provided at the time of purchase. When I took the vehicle for a test drive I informed them that the vehicle kept shifting to the right. I asked that the issue be fixed before I agreed to buy the vehicle and they agreed. When I returned to purchase the vehicle everything seemed fine. About a week later the vehicle started shifting towards the right again. Took it back to the dealership and explained that the car still had the same problem. After further investigation I looked up the VIN number and realized the vehicle had been in an accident on the passenger side and this information was not provided to me at the time of purchase. I was accepted for a loan thru Credit Acceptance in the amount of {$19000.00}, after looking into it I realized that not only was the car not worth that price, in top of multiple hidden fees, the price on the car was raised. On XX/XX/XXXX  the car was listed at {$13000.00}, on XX/XX/XXXX  {$13000.00}, and XX/XX/XXXX  {$17000.00}, which is when I purchased the vehicle. Not to mention the {$200.00} cash I had to pay for my registration and plates. 

Furthermore, after I stopped payment on the vehicle, not only did they call everyday, they even sent a check book with my Credit Acceptance account number preprinted on it, with a letter stating that it was to help with payment of the vehicle. I eventually voluntarily surrendered the vehicle and it has caused a very negative impact on my life and on my credit report. 

I managed to pay {$11000.00} towards the debt, and brought down my outstanding balance of {$25000.00} to {$14000.00}. The fact that not only was the price of the vehicle raised by {$4300.00} at the time I purchased it, an extra {$1700.00} was tackled on top of all that, plus the outrageous interest fees I was being charged. At this point I feel since the original price of the car was {$13000.00} six months prior to the day I bought it, I have satisfied what was owed on the vehicle. 

At the moment I do not have a steady place of residence so please email any correspondences pertaining to this matter to my email address XXXX. 

Thank You
Product: Checking or savings account

I opened a joined account with my husband XXXX XXXX at Truist Bank they have been holding my funds since XX/XX/XXXX due to a fraud investigation I have not heard from them or gotten any updates on their investigation I have offered documentation to proof that the funds belong to me. This has caused us extreme stress I am XXXX  and XXXX XXXX due to all the stress this has caused me.
Product: Credit card

I held an American Express Gold Card number *************** for over XXXX years, from XXXX through on or about XXXX. The card was suspended for late payment in XXXX due to personal financial issues. I entered into a payoff agreement with American Express in XXXX. AE agreed to restore " gold card member privileges '' once the delinquent balance was paid. The account was paid in full in. But AE did not restore the gold card account as agreed but instead activated an XXXX account **************** with a limit of {$800.00}, not the unrestricted limit accorded to gold card members. I applied again for an AE gold card in XXXX and was declined. I was told that I had outstanding balance on an expired corporate card accounted dating back to XXXX. The card was issued to XXXX XXXX which declared Chapter XXXX bankruptcy in XXXX, XXXX. As a creditor, AE was notified and invited to submit final claim to the company as a creditor. AE did not do so and the bankruptcy proceedings were converted to Chapter XXXX a year later without any claim submitted by AE. AE failed to submit any claim which would have absolved me of any personal liability. Almost XXXX years later, AE is still claiming that thousands of dollars are owed to them and using a XXXX year old debt to determine my credit worthiness. ( With a FICO score of nearly XXXX and debt percentage of less than XXXX percent I have excellent credit. ). Maryland state law, Statute XXXX, limitation is XXXX years. AE has failed to actively collect on a debt of nearly XXXX years and has failed to honor agreement to restore my account after payment was made in full on an agreed account balance. I am petitioning AE to dispense with the XXXX year old debt and issue a new account as agreed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Credit Bureau XXXX Department XXXX : XXXX XXXX XXXX XXXX XXXX XXXX under FCRA Dear Credit Bureau Representative, I am formally disputing the inaccurate reporting of the account " XXXX XXXX '' ( Account No. XXXX ) on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., I demand an immediate investigation and removal of this erroneous account within XXXX ( XXXX ) days, or I will pursue legal damages under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance. 
Inaccuracies and Violations : Settled Account Still Showing a Write-Off The account is reported as " Paid in settlement '' with a " {$570.00} written off. '' Once settled, the balance should reflect as XXXX without a charge-off designation. This violates 15 U.S.C. 1681e ( b ), which mandates accurate reporting. 
Incorrect Payment History The payment history incorrectly lists " CO '' ( Charge-Off ) for multiple months in XXXX, even after the account was settled and closed. This misrepresentation affects my creditworthiness and violates FCRA guidelines. 
Unverified Debt and Reporting Beyond Closure No evidence has been provided to confirm Capital Ones right to continue reporting this account in its current inaccurate state. The status update in XX/XX/XXXX should mean no further derogatory reporting is necessary. 
Hindrance to My Financial Opportunities Due to these inaccuracies, I have been denied multiple credit opportunities, employment, and financial products. Under 15 U.S.C. 1681i ( a ), I demand the immediate deletion of this erroneous account.

Resolution Demanded : Permanently remove this account from my credit report. 
Provide written confirmation of removal within XXXX ( XXXX ) days. 
Cease further reporting of this inaccurate information to avoid further legal liability. 
Failure to comply will result in legal action for damages under the FCRA, including statutory damages, attorney fees, and court costs. I expect a response within XXXX ( XXXX ) days from the receipt of this letter. 
Sincerely, XXXX XXXX
Product: Checking or savings account

Fifth third bank paid a XXXX $ overdraft on my behalf and charged my account XXXX $ and an XXXX $ daily fee. I asked that they close my account in XX/XX/XXXX but they refused and kept charging me. 
Now i owe them XXXX $ and are threatening to report to credit berau.
Product: Credit reporting or other personal consumer reports

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 
Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over XXXX  days old.
Product: Debt collection

XXXX XXXX XXXX has an account opened on my credit report and I dont know why it is there. The account was opened on XX/XX/2016 and the amount is {$560.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a real estate mortgage loan from XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX  and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX XXXX  with no successful resolution. XXXX, Equifax, and XXXX   reporting me 30 days late in XX/XX/2019. There was an error on their part. I was never 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX / # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I filed a complaint with CFPB in XXXX of XXXX and did not get a satisfactory outcome. CFPB Complaint ID : XXXX I did speak with XXXX from the CFPB on XX/XX/XXXX and she looked at my case. She told me to File the complaint with OCC, FTC Fraud Department and my states AG Office. Since then, I have filed complaints with the Michigan State AGs Office, FTC, OCC and North Carolina State AGs Office. In my filings to the other agencies, I explained of the filing in XXXX to the CFPB and the unsatisfactory response I received from the bank, Flagstar. In each complaint I was told to refile the complaint with the CFPB. I have attached the file with the complaint to the OCC, for more clarity. 
I just want the bank to treat us fairly in this situation, so my attorney advised that I file this one last complaint with the CFPB before we move ahead with a lawsuit.
Product: Checking or savings account

Hello, most noble officials! I have had the measure taken to close my account with XXXX XXXX, which I am happy with. My issue is that when I called today, the XX/XX/XXXXto their customer service line at XXXX, I was told that I could not receive a confirmation via email of my closure. I knew that was not right, so after calling back again at XXXX, which was not supposed to happen, I had to wait 16 minutes for a resolution. This comes after an agent mocked me on the phone when I replied to her statement about her auditory difficulties. She said that she could not make out what I was saying, and I simply replied that I had full bars for a signal. She continually said she could not hear me. Finally, she transferred me after a hassle supreme. Everything is good, but their reps need a little fine-tuning with the customer side of things. Play with your own time, you know? Thank you...
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX, I found that account number XXXX is documented as a closed account with a balance of {$1000.00} but is shown to be charged off. I have requested both a debt validation letter as well as a 1099-C since this is now considered as income and not received either from the company,
Product: Credit reporting or other personal consumer reports

Experian is now attempting to remove trade lines that are in good standing from my credit report that they have no records of me ever disputing. I am being retaliated against due to me exercising my rights as a consumer.
Product: Mortgage

XX/XX/XXXX : Ordered Payoff Quote - quote to be emailed. Paid {$30.00} XX/XX/XXXX - searched online account for payoff letter or information ; found payoff letter in documents section XX/XX/XXXX - attempted online payment for payoff amount using bank routing and checking account number - payment not accepted XX/XX/XXXX - called mortgage servicer to make payoff ; spoke with XXXX # XXXX, supervisor XXXX ; XXXX misunderstood payment method ( she stated credit card when no payment method was requested nor given ), XXXX would not escalate to supervisor to accept payment, XXXX was not aware a payoff letter existed, after drawing her attention to the payoff letter, she recited the acceptable payment methods stated on the letter, I informed her I would file a complaint and asked her to verify the information contained in this complaint ; she stated I have until XX/XX/XXXX to pay in the method stated on the letter. I informed her I wanted to make a payment direct from checking using the bank routing number and account number. Expressed frustration for inability to pay online or by phone the payoff amount stated on the payoff letter using bank routing and checking number. XXXX was not accepted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the illegal reporting of credit acceptance corp to XXXX and XXXX will not remove this account, credit acceptance corp has been reporting false information and increasing the balance every month when this account has been closed since 2016. This is against the law and the FCRA and should be REMOVED!!
Product: Checking or savings account

Bank of America is refusing to accept applications from XXXX   individuals for the PPP under the CARES act.
Product: Mortgage

This purported trust claimed to foreclose on a mortgage contract that never consummated in violation of MGL Ch XXXX sec 63 b and has since attempted to sell this property in violation of the bankruptcy laws.On XX/XX/XXXX, I signed documents that I understood was a mortgage and note from lender, XXXX XXXX XXXX XXXX XXXX, mortgage loan # XXXX, at XXXX XXXX XXXX., XXXX, MA XXXX. XXXX XXXX, Massachusetts as shown in the deed recorded at XXXX County Registry of Deeds book # XXXX page XXXX. 

According to the XXXX County Registry of Deeds stamp at the top right of the page, a purported Assignment of Mortgage to XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX as Trustee for the Benefit of the Certificateholders XXXX, XXXX. Asset-Backed Certificates, Series 2007-9, was recorded on XX/XX/XXXX at XXXX XXXX. in Bk : XXXX Pg : 23-24 Page : 1 of 2 As of XXXX XXXX ( the settlement date ) funds were supposed to be disbursed to XXXX credit card XXXX in the amount of {$560.00}. After 11 years when XXXX discovered they had not been sent, the funds were reissued on XX/XX/XXXX. This was after the purported foreclosure took place on XX/XX/XXXX as recorded by the foreclosure deed that was filed in the XXXX County Registry of deeds on XX/XX/XXXX at XXXX in Book # XXXX page XXXX. 

XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX as Trustee for the Benefit of the Certificateholders XXXX, XXXX. Asset-Backed Certificates, XXXX XXXX, is registered on the Securities and Exchange Commissions public website as a purported XXXX trust with its constituting document, ( known as the Pooling and Security Agreement at : https : //www.sec.gov/Archives/edgar/data/1401795/000090514807004515/ecf-1677_ex41.htm This trust never existed and the contact never wa consummated in violation of the statute. The Massachusetts Division of banks sent Industry letters in XXXX and XXXX warning about this and possible sanctions.
Product: Credit card or prepaid card

On XX/XX/2022 my floor & decor credit card was permanently closed for no reason I tried to resolve this issue and was told possibly it may be reopened but it was not I was later informed today on XX/XX/2022. When I applied for this card my personal credit was also inquired as a result of receiving this card.