23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My loan is in default. I had a flood in XXXX XXXX the insurance company took about XXXX weeks to pay out. once I received my check I had to send it to XXXX mortgage because it was endorsed to both of us. Carrington have another depart called loss track handling it. this was the worst experience I had been through. Carrington was supposed to initially release a portion of my funds for me to fix my house. I overnight them the check on XX/XX/XXXX XXXX which there was no point and costed my {$80.00}. I never received any communication with loss track beside me calling every week about the status of my funds. they dragged everything their excuse was it will take 5 business day to receive an answer. they didnt release my first draw because they said they needed to find out from my insurance company why did I received the check was it because of the estimate that I had sent them. all this took 4 weeks before I recieved an answer on anything. I wind up paying with my own money for the repairs and it caused me to be late on my montage again. I called and told them that I can't make my mortgage payment because I had to pay to repair my house. they keep saying to contact the loss track department. after 6 weeks I called them and told them to come and inspect m house so they can release my fund. they inform me it would take a week for someone to call and set up an inspection. a week pass and still no calls. I called lossttrack again and they kept giving me the run around saying its over the week so they will expedite it but it will another couple days before anyone can contact me. finally after two weeks an inspector called and came and inspect. I called them after a week and ask when are they releasing my funds they said it can take up to a week before the inspector send in the report. so that was another week I waited. they finally release my funds on XXXX XXXX however they have no delivery tracking. after two weeks I called today XX/XX/XXXX and right away the customer service said oh its over the allowed time of delivery so I need to make a stop payment and send a new check. I said you guys aren't going to keep dragging my funds and using. why wouldn't u overnight it or give me a tracking. he saids we don't do that you will have to wait again. I said for what another XXXX weeks for it to happen again when I know you probably never mailed it. I need to speak to a manager. they never have a manager available and never let me speak to one. they keep saying the manger will call in 4 hrs or next day but never do. they have XXXX of my funds. I'm 2 months behind. they can't certify my check but they certified letters saying I'm behind on my mortgage. carrington mortgage is a fraud and their loss track department is a fraud. they're taking advantage of innocent people.
Product: Vehicle loan or lease

I am a long-standing, on-time paying customer with JPMCB AUTO. I attempted to write my loan company about an issue I want to address but I am not getting in response and need extra support. Back in XXXX XXXX XX/XX/2021, I was 30-90 days late on my payments due to the financial hardships of Covid19 pandemic. As my vehicle technically should have not been repossessed during the pandemic, I am now seeking relief on my credit report. Since then Ive been on time for 20 months straight with JPMCB AUTO. Account XXXX Im requesting my REPOSSESSION ; REDEEMED and late payment credit reporting posting during the pandemic, be forgiven and deleted from my report. Due to the contrary to the Cares Covid-19 Recovery Act. This is currently affecting my life almost 2 years later, I appreciate your help on this
Product: Money transfer, virtual currency, or money service

On Tuesday XX/XX/XXXX I was able to use my Cashapp card for an amount of nearly {$30.00}. Yesterday XX/XX/XXXX I tried to use my card for a smaller purchase of {$1.00} and it was declined. Once I tried to move the remaining {$410.00} from my Cashapp to my checking account it told me That I had no Cashapp funds and the transfer was declined. I clearly gave the money there, what will happen to my account and the money in it?
Product: Mortgage

SPS has made it too difficult to apply for a forbearance. I have to login into my account and it keeps giving the same security questions. I wouldve called but last time I called them they lied to me about cancelling my sale date.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I had previously been a XXXXXXXX XXXX savings account customer. On XX/XX/XXXX, I re-opened an account to take advantage of their interest rate structure using XXXX XXXX miles, as I plan to begin traveling more again. My account was re-opened, and on XX/XX/XXXX, after linking an external account, I initiated a transfer of {$5000.00} from my XXXX XXXX checking to my XXXXXXXX XXXX  savings account. The next day, XX/XX/XXXX my account was locked, and I could not access it online. I called their customer support number and was told that " someone would reach out to me '' to resolve this issue. However, on XX/XX/XXXX the transfer that I had initiated was completed, and {$5000.00} was taken from my checking account and deposited into my XXXXXXXX XXXX savings account that I can not access. I called the customer support number again to explain the situation, and was told that all I can do is wait for someone to call me back. Until then, I have no recourse for getting my money back and still no access to my account. I was frustrated enough when they locked my account, which they have not been able to give me an explanation for over the phone, just stating that it is " in review, '' but the fact that they still completed the transfer AFTER locking my account is completely unacceptable, as now I no longer have access to those funds. They need to make this situation right.
Product: Bank account or service

On Thursday XXXX XXXX, 2016 XXXX, I went to Citibank located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX to deposit {$100.00} for my brother-in-law into his checking account. I was told that in order to deposit the money, I would have to show teller my ID. I gave the teller my driver 's license ID as requested. 

After further discussion, her supervisor/bank manager ( XXXX woman whom I did n't get her name ), came over and joined the discussion. I was then asked by the supervisor where I worked before I retired. I asked, " Why do you want to know where I worked before I retired? '' She said this was Citibank policy. 

I responded that you have my driver 's license with my photo on it and that should be adequate. I gave her my former employment information requested. 
Then I was asked by the bank manager, " What did you do at the job before you retired? '' At this point in the conversation, I was livid. I felt that this was an invasion of my privacy. I have concerns about ID theft. They wrote the information down I gave them before I could deposit the money. 

I have never been asked to give personal information about my work status and the job I performed by any bank where I deposited money for a person in my XXXX years on earth. I want you to investigate this bank policy to see if it is applied to all who do n't have accounts at this bank. There was no visible sign in this bank about this policy. 

On the back of the deposit slip, I received states, " Deposit may not be available for immediate withdrawal. Contents and totals of any deposits listed on the reverse side are accepted by Citibank subject to verification and will be credited in the amount verified. '' There was no information about bank policy regarding a {$100.00} cash deposit.
Product: Credit reporting or other personal consumer reports

In regards to the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Transunion has violated the Fair Credit Reporting Act ( FCRA ) concerning my credit report. The FCRA states " Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates ''. XXXX, XXXX and Transunion did not and does not have any consent from me to furnish this information. FCRA also states " Except as authorized under subsection ( b ), 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. '' These accounts are adverse items and are reported again without my permission which is against the law. 15 U.S. Code 1681e states ''. FCRA states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and Transunion is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of XXXX, XXXX and TransUnion 's reporting services.
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items : DPT ED/XXXX XXXX Balance Owed : {$5700.00} DPT ED/XXXX XXXX Balance Owed : {$3300.00} DPT ED/XXXX XXXX Balance Owed : {$1700.00} DPT ED/XXXX XXXX Balance Owed : {$5100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud / Identity Theft 4 Accounts opened fraudulently Best Egg ( Personal unsecured Loans ) # 1. {$15000.00} Opened on XX/XX/2022 # 2. {$12000.00} Opened on XXXX XXXX 2022 XXXX ( fraud dept ) : spoke XXXX XXXX **** was emailed that inquiries and loans would be removed from my credit reports but to date is false **** requested ip addresses used to apply online and no response ***** told that loans were approved fully online and nobody physically reviewed the application nor verified the identity. 
**** perpetrator used a made up email address and no idea how they were able to obtain approval and funding **** perpetrator used a google voice phone number that is not mine XXXX # 3. XXXX XXXX Opened XX/XX/2022 {$9000.00} *** received 2 emails each asking me to provide time consuming paperwork and put an unreasonable time frame for them to receive or else they would validate the debt *** have not provided any information regarding how the loan was obtained, information provided, etc. 
**** called customer service multiple times and they were unable and did not have a number to the fraud department ***** to date. Co has refused to provide any documentation on information utilized to gain approval and funding XXXX XXXX # XXXX Security freeze Conf # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit score of XXXX with Transunion. My score suddenly dropped XXXX points in one day for no apparent reason. Transunion has been unhelpful in providing a reason as to why, and immediately closed their investigation. According to the information I received, the other major credit bureau scores have not changed. I worked hard to earn a good credit score by making timely payments each month, and do not deserve to have an error damage my report. Please see attachments for more information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax to removed some inaccurate inquiries on my credit, provided all information still didnt fix it XXXX XXXX XXXX : XXXX XXXX, 2022 XXXX XXXX XXXX  Inquiry : XXXX XXXX, 2022 XXXX XXXX XXXX : XXXX XXXX, 2022 XXXX XXXX  Inquiry : XXXX XXXX, 2022
Product: Mortgage

On XXXX, I was informed that I was pre-approved for a mortgage and was provided with a letter documenting this. 
Finding a home where I was looking was difficult and so time passed, and I received updated letters twice : I received another pre-approval letter on XXXX and again on XXXX. 
The letter on XXXX showed that I was locked into a 4.25 % interest rate. 
On XXXX, I put an offer in on a house, based on the pre-approval, and the offer was accepted. 
The deal was for a short close ( 30 days, on XXXX ) and so the lending agent collected all of the information quickly, had me fill out all of the forms, had me open a bank account with his bank, and submitted all of the information to the underwriter. 
During this time ( XX/XX/2022 ), the fed increased interest rates. 
On XX/XX/2022, I was informed that my loan was declined by the underwriter. This was despite having generous assets, a low-risk job, generous income, a top credit score, and being pre-approved. 
When I requested a reason for being declined, I was provided reasons that were based on wrong information. 
I requested that the agent provide the correct information to the underwriter, and he said he would do so. 
On XX/XX/XXXX, he informed me that they would not change their minds - despite basing their decision on wrong information. 
That same day ( XXXX ), I contacted the agent 's manager ( with the head of the mortgage department of the bank on cc ) requesting that he remedy this. 
He replied on XXXX to say that he could not reach the underwriter but that he spoke with the underwriter 's manager and that they were refusing to look at any new information or change their minds. 
I then called a different mortgage lender that same day and was granted a mortgage without difficulty -- though at an interest rate reflecting the fed increase in XXXX -- and was able to purchase the home on time. 

It appears that either : 1 ) the agent didn't want to admit his mistake, 2 ) the agent 's manager didn't want to admit his agent made a mistake, 3 ) the underwriter didn't want to provide a loan at the lower interest rate that was locked in, 4 ) the underwriter 's manager didn't care about my situation ( and/or didn't want to grant the loan at the lower interest rate ), or 5 ) the agent and the agent 's manager were lying for some reason. 

In any event, none of it makes sense - given how easy it was for me to get a mortgage with someone else at the current interest rate. 

And the human side of this was that my spouse and I went through severe mental anguish, became physically ill, had our vacation ruined, had to take dozens of hours off of work, had to pay extra to have multiple steps of the new mortgage expedited in order to be ready by closing, and had our relationship with the sellers strained- when we were still negotiating some last-minute arrangements with the house. 

The actions of First National Bank of Pennsylvania appear unethical and highly irregular.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submit a complaint and dispute an allege debt on my credit report shown as XXXX  an Experian stated the dispute but then the result show me no changes and the account should be deleted. please delete this alleged debt on my account.
Product: Credit card

I HAVE WAITED XXXX MONTHS TO RECEIVE MY REWARDS FROM XXXX BANK AND HAVE COMPLAINED TO THE CFPB AND BBB .I RECEIVED A LETTER FROM XXXX XXXX PRES. OF BANK THAT I WOULD RECEIVE MY REWARDS WHEN MY STATEMENT PERIOD CLOSED XXXX XXXX. I SPOKE TO A CLERK AT THE BANK, XXXX, WHO TOLD ME THE REWARDS WOULD BE POSTED TO MY ACCT.ON XXXX. I CALLED THE BANKTHIS MORNING AND THEY TOLD ME I HAVETO WAIT AN ADDITIONAL XXXX WEEKS.
Product: Debt collection

I was a victim of identity theft collector XXXX XXXX contacted me and was informed that I was a victim of identity theft I was told item would be removed from credit report police reports and fix report was provided to company
Product: Credit reporting, credit repair services, or other personal consumer reports

as of XX/XX/, 2018, capital one Auto finance has a charge off of XXXX dollars. I voluntarily return the vehicle and the Finance company ( capital one auto Finance ) did not appropriately and correctly process the return of the vehicle properly. I was not notified as to the status of the vehicle or my account, other than the full balance was charge off. I have not vehicle and I am still being responsible for that loan, which is unfair practices on behalf of Capital one Auto Finance.
Product: Mortgage

On XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX secured a mortgage with XXXX Mortgage ; paragraph ( C ) lists " XXXX '' as acting solely as nominee. Paragraph ( D ) lists the lender as XXXX XXXX Mortgage Company only. 

On XXXX XXXX XXXX the bankruptcy court for case # XXXX, XXXX XXXX Mortgage Company, terminated any and all contracts made with XXXX This order would have terminated the relationship between XXXX XXXX Mortgage and XXXX acting as nominee. This order was final and dated XXXX XXXX XXXX. 

On XXXX XXXX XXXX XXXX XXXX, acting as assistant Secretary for XXXX and also as legal counsel for the foreclosing attorney filed a mortgage assignment transferring the mortgage from XXXX to XXXX XXXX Bank, NA, as Trustee for the sum of {$1.00}. Note paragraph XXXX of the filing outlines XXXX XXXX Mortgage Company as the Lender with XXXX acting solely as " nominee ''. The contract that would have allowed XXXX to continue to act on behalf of XXXX MORTAGE was terminated by a federal judge on XXXX XXXX XXXX. In additional to the assignment filing the first page of the assignment list the previous owner, XXXX XXXX, XXXX, as mortgagee and a deed that was also filed on XXXX/XXXX/XXXX lists XXXX XXXX XXXX and XXXX XXXX as legal owners of the property? 

On XXXX XXXX XXXX XXXX XXXX filed a petition for mortgage foreclosure on our property located at XXXX XXXX XXXX XXXX, PA XXXX. A Sherriff 's sale is scheduled for XXXX XXXX XXXX. 

On XXXX XXXX XXXX I applied for a mortgage modification with XXXX XXXX XXXX both via email and fax, please see attached documentation. I then sent a follow-up email on XXXX XXXX XXXX with the attached application and I have yet to receive a response. I have contacted XXXX and left several messages, none have been returned. As you are aware I applied for the mortgage modification within the allotted time outlined in the Dodd Frank Act. I applied for the mortgage modification more than 37 days from the foreclosure date as outlined in the Act. I am legally entitled to consideration as well as an appeal process and a list of alternatives that may be available to me. My foreclosure is still scheduled for XXXX XXXX XXXX and I have not been offered any alternatives nor has my application for assistance been processed. 

XXXX along with XXXX continued to act as nominee for XXXX Mortgage after the court termination of their contract. They fraudulently transferred mortgages to numerous lenders in an attempt to confuse the courts and then initiated foreclosure proceeding under their office. This action would have resulted in thousands of homeowners losing their homes due to the fraudulent actions of both the law office and XXXX 
In good faith I have been attempting to apply for a mortgage modification with XXXX. I have been denied on the basis that I do not own the said property. I have provided both XXXX and the law office with court recorded documentation listing me on the deed, note and mortgage of said property on multiple occasions. This is a clear violation of the Dodd Frank Act. Both XXXX and XXXX continue to act in bad faith and should be held accountable under the law.
Product: Mortgage

In XXXX of this year I received a notice from Round Point Mortgage who recently started servicing my loan that my hazard insurance had lapsed and I would have to buy insurance through them if not taken care of. My hazard insurance is supposed to be paid by my escrow account. 

I paid for the insurance using my credit card and then called roundpoint. They asked for documentation and I sent them the policy info ect. I explained that I am now out money because my escrow account failed to pay for my policy and I had to pay out of pocket.

Some days later I received a call from roundpoint and they understood I wanted to add another policy to my escrow account. I again explained no, this has always been paid by my escrow account. They said they would have to undertake an escrow analysis to pay me back now.

A few weeks later ( XX/XX/2024 ) I received an escrow analysis in the mail that showed my hazard insurance on there XXXX. Partly this is because my policy number changed at the california fair plan. Now that its on there XXXX  and because its {$2000.00} a year I am now paying above and beyond in my escrow account to accomodate the XXXX  policy. 

I called Roundpoint again. It has not been a couple months of having the insurance payment on my credit card gathering interest. This time I said if not fixed I would contact the CFPB. They escalated me to a specalist that would fix the issue. The person identified that there is a XXXX  of my fair plan policy in my escrow account. They passed me off to someone else who again said they would have to do an escrow analysis.

I just received my escrow analysis and the XXXX  of the california fair plan hazard insurance is still on there and the extra escrow money is still included in my payment. I'm unsure what to do at this point. They can not fix my issue.
Product: Credit reporting or other personal consumer reports

I did not recall this credit report on XX/XX/year> from XXXX XXXX. Someone must took my identify. 

CREDCO Inquiry : XXXX. XXXX, 2024 - Miscellaneous ( XXXX ) XXXX See an error? 

Find out how to dispute a hard inquiry Institution Information CREDCO XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These three inquiries appear on my credit report & ive tried to reach out to customer service would not assist. These were never approved to be inquiries on my report and need to be removed