23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am a homeowner that resides in the state of XXXX, and I am having a difficult time of obtaining mortgage assistance provided through the Homeowners Assistance Program. The Homeowners assistance program is a Federally funded program designed to help homeowners that were financially affected by the pandemic with mortgage assistance. 

I recently applied to the Homeowners Assistance program via a link found on Bank of America website in which directly connects you to the XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Program. Each state has a federally approved housing organization that administers the program funds and works directly with the Lender of the default borrower. 

On XX/XX/2021, I received an updated status notification stating that my application was withdrawn due to no response from the lender. On XX/XX/XXXX, I reached out to Both XXXX XXXX XXXX ( XXXX ) and Bank of America for additional information regarding my mortgage assistance application. I was told by XXXX XXXX XXXX of XXXX that Bank of America has refused to allow their borrowers an opportunity to participate in this program, and that XXXX could not proceed unless the lender sign a service participation program agreement, which has been previously submitted to BOA by XXXX. XXXX XXXX also stated that she has been directed by her BOA mortgage contact that BOA has decided to place all of its borrowers that are participating in the home owners Assistance program on hold. 

Upon receiving this information, I was in total shock because I assumed that BOA would be on board with helping distress borrowers bring their mortgage current, especially when BOA benefits as well. I also do not understand why BOA would advertise a program on their site for assistance, but in the end prevent borrowers from accessing the funds by refusing to work with affiliated organizations administering the homeowners assistance program. 

Next, I reached out to Bank of America customer service department to validate XXXX claim and to check on the status of my application, however I have not received any feedback other than I needed to contact XXXX for enrollment purposes, and to answer any questions regarding the Homeowners assistance program. In addition, the BOA representative could not direct me to anyone within BOA company that could assist me further. 

With that said, I am reaching out to your office hoping that you will assist me in resolving this matter and allow me an opportunity to participate in the homeowners assistance program. Please be advised that XXXX has stated to me that time is of the essence and the program will exist until dollars run out. Thanks in advance for your assistance in helping to bring more clarity in this matter and hopefully access to federal dollars to prevent default on my current BOA mortgage. 

Sincerely, Current BOA Mortgage Borrower
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Experian regarding these items. 
I am requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). As the following items can not be verified mine, please correct status or delete them from the credit file : ACCOUNTS XXXX XXXX XXXX  XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine COLLECTIONS XXXX. XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX. XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine INQUIRIES XXXX XX/XX/2019 unauthorized XXXX XXXX  XX/XX/2019 unauthorized XXXX XXXX XXXX XX/XX/2019 unauthorized XXXX XXXX XXXX XX/XX/2019 unauthorized XXXX XXXX XXXX XX/XX/2019 unauthorized XXXX XXXX XXXX XX/XX/2019 unauthorized XXXX XXXX XXXX XX/XX/2019 unauthorized XXXX XXXX XXXX XX/XX/2019 unauthorized XXXX XXXX XXXX XX/XX/2019 unauthorized XXXX XXXX XXXX XX/XX/2019 unauthorized XXXX XXXX XXXX   XX/XX/2019 unauthorized Identification already on file, no changes, please notice your internal notes. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.
Product: Credit reporting 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. 

Account Name : XXXX XXXX : Account XXXX Account Name : XXXX  : Account XXXX Account Name : XXXX  : Account XXXX Account Name : XXXX  : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX  : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account XXXX : XXXX XXXX : Account XXXX Account Name : XXXX XXXX  : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  has information on my credit report that does not belong to me collections from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Debt collection

Re : Dispute of Account Number : XXXX ( XXXX ) To Whom It May Concern : I am writing to formally dispute the validity of the debt listed on my credit reports with XXXX, XXXX, and Equifax, under the account number XXXX, associated with XXXX  XXXX for XXXX. 

Pursuant to my rights under the Fair Debt Collection Practices Act

( 15 USC 1692g ( a ) ( 2 ) ), I am requesting that you provide me with the name of the original creditor of this account. Additionally, in accordance with 15 USC 1692g ( a ) ( 1 ), I am requesting
validation of the amount of the alleged debt, along with a detailed breakdown of how this amount was calculated. Please note that this request is solely for the purpose of verifying the accuracy of the debt amount as mandated by law. 

Furthermore, I am aware of the provisions of the Fair Credit Reporting Act ( 15 USC 1681b ), the Fair Credit Billing Act ( 15 USC 1666b ), and the regulations set forth by the Consumer Financial Protection Bureau ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ), as well as the Fair Debt Collection Practices Act ( 15 USC 1692c, d, e ). 

I expect your agency to conduct a thorough investigation into this matter and provide me with the requested information within the statutory timeframe of thirty days. Failure to do so may result in legal action to ensure compliance with the aforementioned laws. 

Please confirm receipt of this dispute letter and promptly initiate the investigation process. 

Sincerely,
Product: Credit reporting or other personal consumer reports

XX/XX/year> I received a alert from XXXX XXXX XXXX where someone in XXXX  was trying to get some furniture in my name I call both parties Transuion and XXXX XXXX XXXX the only thing they say I could do is do a dispute. I noticed another thing my received a future alert where my credit is in a XXXX web meaning my credit have been effected by a data breach so I dont know who have my personal information at this point
Product: Credit reporting or other personal consumer reports

XXXX XXXX - Hard Inquiry Identified a wire transfer to being improper, this was done by a person who authorized the transfer into my account. Now this hard inquiry is being held until 2025. This wasnt my fault and I was being held accountable for a wire transfer made into my account by the approved partner. Realizing they were trying to negate their claims, XXXX XXXX has since been able to report any updates or issues from then on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Credit bureaus keep disrespecting the laws. I showed them multiple times how they violated the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ), the credit bureaus must modify or delete accounts that are not reporting accurately. 

According to 15 USC 1681b ( 1 ), the credit bureaus dont have any written permission. 

According to 15 USC 1681, I have the right to privacy. 

According to 15 USC 1681s-2, 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this ; please help me in this matter.
Product: Debt collection

Stern & Stern is requesting payment of XXXX for a bill that was paid, perhaps even several times over the years to XXXX XXXX XXXX to lower our property taxes. He has since placed a lien on our property and according to county clerks office this bill dates back to XX/XX/2002. We have repeatedly asked Stern and Stern evidence of this bill to see if it is indeed the one that dates backs years ago to which they have never responded even though one of our requests was made via certified mail with signed returned receipt. We have the signed returned receipt but still have not received any bill, invoice or any proof of dept from them. We can not continue paying them for a bill we do not owe this has been going on for years. 

About one year later of our sending out the certified mail, I was notified by Stern & Stern that there was a judgement again my property and a lien on my house. I thought it was a scam, it took me weeks of working with my local town government to confirm that their is indeed a lien on our property. I believe that they may be targeting senior citizens because I recently found another complaint on XXXX reviews for the same law firm representing the same tax company describing Stern and Stern 's use of unscrupulous tactics. 

I asked my bank if it would be possible to return that far back in my banking history and they informed me that NY state has 6 year statue of limitations on collecting dept so that it should not be necessary for me to go through this trouble. I do not understand how they could legally place a lien on our property for a dept that exceeds the state 's statue of limitations. 

I do not want pay this company again and have them come back in a year or two and ask for payment once again. I do not want anyone to have to go through the time aggravation and stress I am going through trying to solve this. I do not want my assets frozen as he did to the gentlemen 's father ( XXXX XXXX ) on the XXXX review which I copy and pasted below. 

This seems like fraud to me and I would like a criminal investigation opened so that they can not target anyone else. 

Thank you for attention you can bring to this issue XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX   XXXX,,, XXXX XXXX : " These guys went after my father on a claim that he owed money to a property tax reduction company, I happen to have the same name as my father so they froze my bank account! They couldn't even ensure they had the correct social security number, and froze my assets illegally. When I asked them to pay the bank fee I was charged to get my bank account reinstated ( a couple of hundred dollars ) they refused. Now this event is coming back to haunt me again because this event made it onto my credit report. I called them to get it worked out and they gave me an attitude on the phone and were not sympathetic. ''
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$460.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX NA XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX account # XXXX has violated my rights. 15 USC 1681 section 602 A states I have a right to privacy. 15 USC 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card

On XX/XX/year>, at approximately XXXX XXXX XXXX, I was charged {$100.00} by XXXX while I was asleep. I did not authorize this purchase, nor does anyone else have access to my card. Capital One initially credited me the amount but later denied my dispute claim, stating only that " Information we discovered leads us to believe you or another account user benefitted from the transactions. '' This explanation is insufficient and provides no recourse for me to further dispute the charge. XXXX has no record of this transaction. I am requesting the CFPB to investigate this unauthorized charge and Capital One 's inadequate response to my dispute.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I tried to log in to make a payment on my XXXX credit card issued by XXXX XXXX XXXX XXXX XXXX XXXX. The site was down and I was forced to call XXXX directly because the payment was due on XX/XX/XXXX. The agent I spoke with took my banking details and I asked that she apply a {$150.00} payment to the account. 

On XXXX XXXX XXXX I noticed that the payment had not been debited so I call back and was initially told that the payment was returned by my bank. I explained that was not true as I was looking at the account online and there were no returned checks/ACH payments. After speaking with 5 people for over 1 hour and 45 minutes, XXXX XXXX  support agent explained that the payment had not been returned, rather the account information provided was wrong. I explained that was not possible as I read the information directly from my bank account page. They listened to the call from the previous week and finally acknowledged that the agent from the prior week had entered the information incorrectly. Unfortunately, XXXX had already reported the delinquency to the credit agencies. 

The last agent provided me with a letter stating that the account was in fact up to date and not delinquent. However, the ripple effect of their error has caused major impact to my credit score ( dropping by XXXX XXXX ), which then caused the XXXX to lower the credit limit on the XXXX credit card by 35 % ( from {$2000.00} to {$1300.00} ) and lowered the credit limit on my other XXXX issued card for XXXX XXXX by XXXX XXXX  ( from {$1300.00} to {$1000.00} ), which has further impacted my credit score. 

I have filed disputes with the 3 major credit bureaus, and I have used the letter provided to me by XXXX, acknowledging the error, to request that my credit limits be restored to the same limit provided prior to the XXXX  error. 

My issue is the efforts/urgency of XXXX to correct this. All of this was set in motion by XXXX  down website and the error in transcribing the banking information, yet, other than their providing me a letter stating the account is not delinquent, there has been zero urgency to correct/restore the credit. 

I am reporting as I saw during my search for a direct contact in XXXX XXXX, that this company has already been sued once for applying late fees when customers were unable to log into the site to pay their bills and was penalized with a hefty fine. There seems to be no change in their practices. They need to be help accountable for their errors and possibly further penalized.
Product: Debt collection

I went in for a credit check with my financial counselor when I noticed a collections account from Hairs & Hairs.With the original creditor being, the XXXX XXXX  XXXX XXXX in the City of XXXX XXXX. I never attended or even been to this place before. My financial counselor sent out a debt validation regarding this debt and we have not heard back at all regarding such debt. This debt is not mine, and I would like assistance with this fraudulent account.
Product: Checking or savings account

On Friday XX/XX/XXXX I received a XXXX payment from my father. My dad banks at XXXX XXXX XXXX  and the XXXX app is built into the XXXX XXXX XXXX  app. I am a Chase Bank customer and the XXXX app is built into the Chase banking app. 

In other words, XXXX XXXX XXXX  and Chase Bank customers have to use their bank 's app in order to send and receive payments using XXXX. We can not just use the XXXX app itself. XXXX had confirmed that the money was taken out of his account and I received a text message from Chase notifying me that they are processing the payment. 

In the past I received multiple XXXX payments and the money was always immediately available. This time however was not the case. Later that same night I still did not see the payment from XXXX into my account. I can not even see a pending transaction at least assuring the money is at least on the way. 

Saturday XX/XX/XXXX the same problem persists. There is no deposited money into my account. My dad and XXXX customer support had already assured me that the XXXX payment was completed and Chase is refusing to disburse the money from the previous day. I talked to Chase support on Saturday XX/XX/XXXX and asked to speak to a supervisor. 

The supervisor told me that Chase does not have a hold on the account and the XXXX payment is still processing but should be available no later than XXXX  for Saturday XX/XX/XXXX. The supervisor also stated that it's a good chance I would not have to wait until XXXX  and it might be in the day when I receive the XXXX payment. I waited all day, night, and midnight and the XXXX payment is still not in my account. 

As of today on Monday XX/XX/XXXX I still do not have the XXXX payment and Chase supervisor and electronic money movement team gave me unsatisfactory solutions. They are just saying the payment is still processing and the money should be disbursed within 4 to 5 days. I already told them that three days have already passed and I still don't have the XXXX payment today on day XXXX Monday XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Request to Reinvestigate & Delete Accounts Full name : XXXX XXXX Social Security # XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 


XXXX XXXX  {$420.00} XXXX {$500.00} XXXX XXXX {$310.00} XXXX XXXX {$530.00} XXXX XXXX {$150.00} XXXX XXXX {$10000.00}
Product: Debt collection

You all are reporting a debt on my credit report that I have paid directly with XXXX XXXX XXXX/XXXX. I do not owe them anything. I paid them in person.