23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My loan was transferred to Loancare on or about XX/XX/2022. Since then my payment is listed incorrectly. I have placed several calls and each time I was told to wait as my loan was being " reviewed ''. To date, nothing has been corrected. The main issue appears to be with my escrow. I received a check from Loancare for approximately {$5300.00}. However, this now means I have very little to almost nothing in escrow. As my taxes and insurance come due, I will not have funds in escrow to cover those amounts. I assume my payment will then jump from the incorrect amount of {$1600.00} to who knows what. I used to pay $ XXXX. Nothing changed, just the servicing and now I have a {$5300.00} check and my payment went from {$1800.00} to {$1600.00}. Additionally, I can't make an online payment for some reason as the " scheduling is currently unavailable ''. I'm not calling in an wasting my time anymore. They need to fix this now.
Product: Checking or savings account

On XX/XX/XXXX, I received an email alert from Bank of America stating that my checking account was no longer eligible for bill pay. I called not understanding why ( they had switched the bill pay to my HELOC ) - after being transferred twice, I was told that there was an AML freeze on my account and I would need to speak with them. She transferred me to them, but they were closed. 

I called first thing on XX/XX/XXXX and spoke with the AML department. After verifying me, he stated that the issue was with information for my wife, XXXX. I got her on the phone, and he verified her identity. He then stated that they had asked her to go into a banking center to verify this a month ago, and that's why they froze the account. 

I reminded him that we signed all the paperwork for a HELOC in XXXX of this year. She is also in a banking center on a regular basis to make cash withdrawals. He said the HELOC signing wasn't sufficient. They wanted to confirm 1 ) does XXXX have a dual citizenship, and 2 ) what is her occupation. 

I asked to file a compliant, but he did not take one down from what i can tell. I then asked to confirm that during this period of having the account frozen, did they return any debits ( checks, ACH ). He said he had no idea and would transfer me to customer service. 

I spoke with customer service, and after much back and forth, I was told that nothing was presented and rejected during the period of the account being frozen. 

The idea that they would freeze the checking account ( but not the HELOC! ) of a 15+ year client without a letter or phone call, over the suddenly urgent question of dual citizenship and employment, is beyond absurd. I specifically asked to file a complaint with Bank of America and was not given that opportunity. I know they will respond to CFPB complaints. Please forward this on to ensure it is reviewed by their AML officer and head of retail banking.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous request for an investigation into the inaccuracies on my credit report, which I initially submitted in XX/XX/XXXX. As of today, I have not received any response from your office, and the incorrect information remains on my report, continuing to harm my credit. This lack of action is both concerning and unacceptable. 

For your reference, the inaccuracies I outlined in my original letter are as follows : XXXX XXXX Balance : {$580.00} Date Opened : XX/XX/XXXX Please promptly eliminate the late payment and UPDATE this account immediately. 

I kindly request that this matter be promptly solved by TRANSUNION. 

As per the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to investigate disputes within 30 days of receiving a formal request. More than 30 days have passed, and I have yet to receive any resolution, confirmation of investigation, or update on this matter. The continued presence of this inaccurate information has severely impacted my creditworthiness and has caused denial of credit, increased interest rates, or emotional distress. This delay undermines the confidence I should have in the integrity and efficiency of the processes.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- STUDENT ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. U S DEPT OF ED/XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. U S DEPT OF ED/XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. U S DEPT OF ED/XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

8. U S DEPT OF ED/XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing certain accounts on my credit for 6 months, and Equifax has done nothing to validate the accounts that I have disputed! I have never seen investigation results, I have never gotten any credit reports, I have never received a single update from Equifax. It's like they are completely ignoring me, and I can not stand it any more!
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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: Checking or savings account

In XXXX of XXXX I signed up for an Ally Bank promotion called " XXXX '' which offered a 1 % cash bonus to existing customers ( which I have been for over 15 years ), for new deposits from an external source for a total bonus of up to {$500.00} if {$50000.00} was deposited. 
I contacted customer service at Ally by phone on XX/XX/XXXX, asked questions and confirmed that I understood and was following all the terms of the promo. I enrolled in the promotion and opened a new Money Market ( which is one of the qualifying accounts for the promotion ) account # XXXX for the purposes of depositing $ XXXX new funds into Ally while on the phone with them. 
Terms of the promotion included : -Must be enrolled by XX/XX/XXXX I enrolled XX/XX/XXXX -Fund account by XX/XX/XXXX I funded the account with XXXX new money from XXXXXXXX XXXX  XXXX XX/XX/XXXX -Keep the new funds in the account thru XX/XX/XXXX. XXXX. I did not withdraw the funds until XX/XX/XXXX -Get cash bonus on or by XX/XX/XXXX. 
I have yet to receive my {$500.00} cash bonus to my money market account. I have left the account open for this reason. On XX/XX/XXXX I called Ally customer service and the rep confirmed that I had met all the criteria to receive the bonus. She then opened a case # XXXX. I was told I'd be contacted with in 2-3 days ( I was not ), and the case should be resolved in 7-10 biz days ( by XX/XX/XXXX ). No resolution yet. 
I have called weekly, escalated the case ( same case # ) on XX/XX/XXXX, have talked to several " managers '' and have receive little information or explanation. After the 10 days had passed with no resolution, I am now being told by Ally " their is no timeline " although I was told someone was " assigned to my case '' almost 2 weeks ago! 
On my most recent call today, the customer service rep told me that now most of her calls are from unhappy customers who have not received their cash bonus. I also sent a written letter of complaint to Ally this week. As of today XX/XX/XXXX, I still have not received the {$500.00} cash bonus from Ally Bank.
Product: Debt collection

I have received a collection notice from Gulf Coast Collection Bureau attempting to collect an unspecified debt and misleadingly portraying itself as a government entity through its company name and statements. 
Please see the statement below that was provided to Gulf Coast Collection Bureau Inc, via certified mail : Be advised this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. CEASE AND DESIST Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums. Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Agreement with your client that grants Gulf Coast Collection Bureau Inc the authority to collect this alleged debt. Forward Flow Agreement. Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector. Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. All statements while this account was open. Have any insurance claims been made by any creditor regarding this account? Provide me the Bonding agent as well!!
Product: Credit reporting or other personal consumer reports

My personal information has been compromised resulting in the opening of fraudulent accounts in my name. These accounts are not mine and do not belong to me. I kindly request that these accounts are blocked and removed from my credit report across all 3 bureaus. 

XXXX {$50000.00} Account # XXXX XXXX  {$38000.00} XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express concerns regarding potential violations of the Fair Credit Reporting Act ( FCRA ) and the Title VI Consumer Protection Act Law 15 U.S.C. 1681-1681x by XXXX XXXX XXXX Specifically, I am concerned about your credit reporting practices, which may include reporting payment delinquencies after the payment has been processed, rather than based on the date the payment has been received and XXXX XXXX waiting to properly credited to the account. Moreover, it takes 5 days to change financial institutions if a customer would like to redirect their payment from an alternate account. Additionally, I am concerned about the potential marginalization of people of color who already have disproportionate credit scores.

Under the Dodd-Frank Wall Street Reform and Consumer Protection Act, the Consumer Financial Protection Bureau ( CFPB ) was granted rule-making authority over the FCRA. The Dodd-Frank Act also introduced amendments to the FCRA, requiring the disclosure of credit scores and related information when a credit score is used in taking an adverse action.

It is essential to ensure that credit reporting practices are accurate and fair. Reporting payment delinquencies based on the date a payment is processed, rather than the date it has been received and properly credited, may lead to inaccurate credit reporting and negatively impact individuals ' credit scores and future credit opportunities. Such practices may be in violation of the FCRA, which requires fair and accurate credit reporting.

Furthermore, it is important to address the potential marginalization of people of color who already face disproportionate credit scores. The Title VI Consumer Protection Act Law prohibits discrimination in programs and activities that receive federal financial assistance. By marginalizing individuals with already disproportionate credit scores, XXXX XXXX may potentially be in violation of this law. 

In addition to the FCRA and the Title VI Consumer Protection Act Law, it is crucial to ensure compliance with the Fair Debt Collection Practices Act ( FDCPA ) and the Community Reinvestment Act ( CRA ). The FDCPA mandates fair treatment, accurate representation of debt information, and prompt resolution of consumer disputes. The CRA requires activities that meet the credit needs of all segments of the communities you serve, including historically underserved populations. Compliance with these acts is essential to maintain fair and equitable practices in debt collection and community reinvestment. 

Lastly, it is important to assess and address any algorithmic biases in your banking algorithms. Biases in algorithms can perpetuate discrimination and unfair treatment. XXXX XXXX XXXX emphasizes the need to address biases in algorithms used in decision-making processes.
Product: Debt collection

Commonwealth Financial keeps harassing me when my Medicaid and XXXX XXXX said they paid for the medical bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2023 I requested to opt out of XXXX Credit reporting which is completely in the legal boundaries and holds legal validity per 12 CFR 1016. XXXX ignored my request completely and continued to report adverse actions on my consumer credit file although XXXX XXXX  made it very clear to me that I did not owe XXXX XXXX  anything by sending me a letter to my house ( attached ) stating they would not attempt to collect any debts from me. do to there negligence, my credit has had a tremendous negative affect which is taking a very bad toll on my life and has made it very difficult to take care of my family and my self acquired more credit for house hold purposes. I had very high expectation for XXXX XXXX  and now I am very disappointed in their unprofessional and illegal business practices. I hope this was just a mistake non-intentional.
Product: Mortgage

I tried to make my mortgage payment online but it would n't allow me to access any of the links. I tried calling to make my payment and it kept redirecting me to customer service which was closed. I have made all of my mortgage payments online until the above happened XXXX XXXX, XXXX. This is the second time in two years that my mortgage company has fraudulently tried to take my house from me. The first time was in XX/XX/XXXX. They always try to tell me I am behind on my mortgage 4 months but I am not. They come up with {$2500.00} in fees that never show up on my monthly statements. Last time they broke into my house and changed all the locks while I was out of town looking for work. The only replaced the locks and refused to repair the door. I was wondering if this is retaliation for a class action suit for forced insurance. I just want OCWEN to stop trying to steal my home under false pretense. I want to continue to make my payments online without interference from them. I missed XXXX mortgage payment so far XX/XX/XXXX so how can I be 4 months behind.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings in XX/XX/2021 I reached an agreement with XXXX XXXX XXXX on behalf of XXXX XXXX XXXX for a {$27000.00} debt. We settled the debt for {$13000.00} which was paid in full on XX/XX/2021. At this time I was working on a refinance and was able to get the account updated through the XXXX XXXX only to have it reverse a month or so later. I have submitted disputes with and without supporting documentation and although XXXX  state they received the funds and it shows as a payment received in XX/XX/2021 the account balance was not updated to {$0.00} & cleared stating it was settled for less than the debt owed. This is the 2nd of two in which I had to wait over 2 months to get cleared up. Attached is supporting documentation of the settlement agreement, proof of payment, cleared payment from my bank, and a letter from XXXX stating the account has been paid in full. In spite of providing these documents to the 3 credit Bureaus they claim XXXX said the information is reported accurately and refuse to provide any proof as to how XXXX  verified the accuracy after sharing with XXXX  my proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied as a cosigner for an apartment. I did not expressly authorized the landlord for a Hard Credit check on my credit report, but still a hard credit check was performed by the company CoreLogic. I have reached out to them and they refuse to remove the inquiry saying that I authorized it, when in reality it is not expressly stated that I signed for a hard credit check to be performed
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I have been in contact with my creditor regarding my ability to pay my bill during the Covid epidemic. They removed late payments but not the credit reporting. 
It has been OVER 30 days and the creditor/ Kohl 's has not updated the information nor has provided documentation in regards to the late payments in my account They have not supplied this information and must delete the alleged late payments on my credit report. 

Under Federal Law they had 30 days to complete the investigation and in failing so must delete the late payments from report ASAP Under U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) CARES ACT
Product: Mortgage

I am trying to refinance my home. On XXXX XXXX I was told I should n't have a problem my son 's name is on the loan due to the fact when I brought the house my credit was n't good, and my daughter co signed. 5 years ago my daughter 's name was take off. Freedom Mortgage is giving me a hard time because they said my daughter 's name is still on the loan even though my current mortgage company told them no. I have been making the mortgage payment and have never missed or been late on a payment I have sent them my bank statements because the mortgage payments was coming from my bank account bi-weekly, however Freedom Mortgage wont ' accept that. My credit score is over XXXX, but that is n't good enough for them either, they said I need more income. So I told they I get XXXX for taking care of my brother, and I have power of attorney now they are telling me I need guardianship. I have had XXXX different processors so far. XXXX XXXX told me as long as I have my credit score is over XXXX I can be put on the loan. My name is on the deed, but FM wont ' accept that, they wo n't accept my bank statements because it looks like if came off line. I work part time for XXXX and they wont ' accept that either unless I go see an accounting. They want me to pay an accountant and lawyer money. XXXX and XXXX XXXX refuse to give me the underwriters name because they are blaming it on him saying the he 's the one not accepting anything. I have had my same job for almost 15 years and pay my bills now even though in the past I have problems due to divorce. My son has been in the same position for almost 10 years now, and his credit score his close to XXXX. Yet Freedom Mortgage won ; t approve us and wants us to put out money. XXXX XXXX my current mortgage company has tried to step in and help but Freedom Mortgage wont ' even listen to them.
Product: Credit reporting or other personal consumer reports

1 ) XXXX XXXX XXXX acct beginning in # XXXX I disputed that account with XXXX, XXXX, and Experian to no avail. The account was reported on my credit report without contacting me in writing about the debt. Which is debt parking and is illegal. 

2 ) XXXX XXXX XXXX acct beginning in XXXX was reported on my credit report without contacting me in writing about any bill that I owe or if they intend to report it. I disputed it with Experian, XXXX, and XXXX with no avail. It is considered Debt Parking and is illegal. 
3 ) XXXX XXXX XXXX account beginning in XXXX was reported on my report without contacting me in writing prior to reporting it on my credit report. I have disputed this account with Experian, XXXX, and XXXX with no Avail. This is considered Debt Parking and is Illegal. 
4 XXXX XXXX XXXX XXXX account beginning in XXXX was reported on my credit report without contacting me prior to reporting to my credit report. I have disputed it to Experian, XXXX, and XXXX to no avail. 
5 XXXX XXXX XXXX XXXX account beginning in XXXX was reported on my report without contacting me in writing prior to reporting it on my report. I have disputed it with Experian, XXXX, and XXXX to no avail. It is considered Debt Parking and is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

*Bankrputcy statetment I have reached out to the major credit bureaus about inaccurate information being reported on my credit file. I requested my recent credit file report I have noticed several inaccuracies on my file other names, addresses including a bankruptcy public report. I have no knowledge I attached a letter from XXXX XXXX whom the credit bureaus stated the information was retrieved from. XXXX XXXX have deleted the information out their system from their file. I would like this information to be deleted from the XXXX major credit bureaus I have sent all documents from my local city bankruptcy court and XXXX  XXXX. The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq states accurate information must be reported Please delete this bankruptcy from my report