23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/XXXX our mortgage co who was originally XXXX XXXX sold our mortgage to Specialized Loan Servicing. Shortly before the sale of our mortgage XXXX XXXX completed an escrow analysis and raised our payment slightly. Our taxes and insurance are all escrowed into our payment. We were not aware of any issues on our account until in the process of selling our home in late XX/XX/XXXX. We have two tax parcels, during the sale process we were informed that part of our taxes were unpaid. SLS claims they did not receive the information on the smaller lot. SLS said they sent in a request for the tax claim certificate to the tax claim bureau. After getting told this multiple times and not getting results I called to tax claim bureau myself. I was informed by them that they only deal with delinquent taxes and they never received any request from SLS. They forwarded me to the county treasurer. The treasurer also never received any requests and told me I needed to contact my township office. My township office has an outside company that handles taxes which is also the same company that handles the school taxes that were unpaid. I had already spoken to them in the past I knew they had received any requests from SLS. The tax company informed me that SLS did not need a certificate in order to pay the taxes however on Monday XX/XX/XXXX while I was on the phone with SLS 's tax department my wife called the tax collection company and they sent all the information to SLS while we were on the phone. SLS still claims to be waiting on a tax certificate and refuses to pay the bills. During one phone call they claimed to not know who the tax collection company was even though they have paid other taxes to them in the past. They keep giving us the run around saying they have to re-review everything and get back to us. We have been given at least 4 dates when things would be handled by but they are never resolved. We have contacted XXXX XXXX and were told that when they sold our mortgage both parcel numbers were included in the paperwork. SLS has  even gone as far as sending us a new escrow analysis saying our payments will be going up due to a shortage starting XX/XX/XXXX. That proves they have the information needed to pay the taxes yet continue to lie about not having it. They are also telling us there are not enough funds in our escrow account to pay the tax bills and no explanation as to where our money has gone. I have been paying around the same amount a month as I always have since I purchased my home in XXXX. Every escrow analysis done since XXXX have been under {$200.00} in shortages due to taxes changing. SLS claims there is a shortage of over {$900.00} in my escrow for the upcoming year. We have been calling almost everyday and are getting nowhere. Supervisors refuse to call us back as promised and will never transfer us to higher management. They claim to not be able to access our records and need to start fresh every time we call. Even supervisors we have previously spoken to act like they have no idea what we are talking about.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 USC1681 section 6028. States I have the right to privacy. And according to 15 USC1681EB they are supposed to ensure this whenever a consumer reporting agency prepare a consumer report. It shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 USC1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Another adverse item of information, other than the records of convictions of crimes which antedates the report by more than seven years.15 USC 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 card

I discovered three unauthorized purchases on Bank of America credit cards, each for {$1000.00} and each from XXXX. The purchases occurred on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I disputed each of the charges. Bank of America rejected two of my three disputes, saying XXXX XXXX furnished gift cards to someone with my personal information. Bank of America is investigating my third dispute, but I expect the same resolution. Bank of America sent supplemental data saying the merchandise was sent to XXXX, IL in one case and XXXX, XXXX in the other. We don't live in either of those cities, never have shopped at XXXX XXXX and don't even have a XXXX XXXX in our community. We attempted to contact XXXX without success. We filed a fraud report with Idenitytheft.gov. An attorney told us it was fruitless to sue the big banks. We are victims of identity theft, but as victims, we will have to pay {$5000.00}.
Product: Debt collection

I sent a certified letter # XXXX on XX/XX/2023 requesting Validation of Debt Pursuant to 15 USC 1692G. See attached letter, US XXXX Receipt and proof of evidence. 
Debt collector was unable to respond or provide proper documentation in XXXX  days. Account is reported on my XXXX, XXXX and XXXX credit file. I am requesting a compensation of {$1000.00} per violation of USC 1692G.
Product: Checking or savings account

I was incarcerated and unaware of the transfer of my BBVA account to PNC. I have no information whatsoever about what happened to my account ( Which had close to {$10000.00} balance ) I've contacted PNC multiple times on this matter ( BBVA Bank Customer Support is practically non-existent and have been unsuccessful in reaching them at all ) PNC only says " We aren't finding you in our system '' and that's it. I'm very frustrated and need help figuring out what happened. I've checked my states Unclaimed Property/Funds gov sites to no avail. 

Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled a complaint about incorrect information on my credit report on XX/XX/2021. I have yet to receive a correct response.
Product: Debt collection

Dept Collector says I owe money to XXXX XXXX and I don't owe them any money and I am in month to month lease and they told me that if you want to move out just to let them know before 30 days and I called them and it was during COVID and XXXX village apartments and told them a head of time like 40 days before I leave I am not going to stay there no more and I will be moving out and I have been paying them on time and the before I dropped my last check I called them and told them as well I will jot be leaving from next month and they advised me they are not working from the office and told me to drop the keys in the mail room when I leave and I will be fine and like after few month i called them to get my security deposit back and new people were their and they were like you owe us money and I didn't the rent for few months with is false and they were saying if you don't pay us money we will send you to Dept collector and after few month I see, u credit report went down and I can see I woe XXXX village money which is wrong and is a false statement I paid and informed them a month ahead before I leave. I followed their instruction as they told me on the phone and they told I will be fine and not to worry about it and they messed me up so bad. Please I want to remove this from my credit report. I do not owe them any money this is false. Please help me with this. 
XXXX XXXX XXXX {$9700.00} XX/XX/2021 2021
Product: Mortgage

My agent had already filed a complaint as Ditech was refusing to respond to our offer. Now after we have received the Approval To Participate HUD form XXXX, the negotiator ( XXXX XXXX ) refused to review the offer and send the approval. She says that there is an " additional marketing period '' till XXXX XXXX, there is NOTHING on the document that says that. My agent has done hundreds of FHA short sales and says this is NOT procedure, that the ATP is used to generate the approval.
Product: Mortgage

I am trying to obtain a forbearance on my mortgage servicer, Sierra Pacific Mortgage. I am current on my payments and my mortgage is owned by XXXX XXXX so I qualify for the program. However, I requested this 50+ days ago, and have contacted my servicer several times they still have not returned my calls or gotten back to me. Two payment cycles have passed and I am struggling and have had to liquidate retirement funds to pay my bills.
Product: Money transfer, virtual currency, or money service

I was defrauded by someone who convinced me to invest money in the crypto exchange Trust Wallet to trade XXXX. He had me opened an account with a company called XXXX in order to transfer money into Trust Wallet. After opening the account in my name and without adding anyone else, I followed the fraudster 's instructions. I lost {$3500.00}. My complaint is that Trust Wallet allowed this person to access my account by linking it to his portfolio without informing me. Consequently, when I tried to withdraw my funds, they were locked with his, preventing me from retrieving my money. Their excuse is that they operate on a self-custodial basis and do not hold user funds. If they don't hold user funds, where does the money invested in this exchange go? This opaque system needs transparency in its operations. They facilitate fraudsters and thieves.
Product: Credit card

Synchrony Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear sir, I would like to express my concern of your company management regarding the post customer information. Your company branch, which mailing addresses are XXXX XXXX XXXX, XXXXXXXX XXXX XXXX and/or XXXX XXXX XXXX, XXXX XXXX XXXXXXXX sent me two mails telling me that I concern the experiencing fraud and your company closed the TJX Rewards Platinum Mastercard cards ending XXXX and XXXX XXXX I understand your company closed my card ( s ), at least card ending XXXX, more than half years ago. Your company issued so many cards in the past ; therefore, I do not remember whether I have ever received or notified the card ending XXXX in the past. As your letters mentioned I have experienced so many frauds in the past few years including your company. So, naturally, I never want to have the cards issued by your company. Since your company sent me again which indicating your company again mentioning the closure of the same card ( s ), including card ending XXXX, I wonder maybe somebody still have the cards which might have my name, XXXX XXXX, on the card but I do not have any responsibilities on it/them, such as payment. I wonder maybe every few months I receive the same letters indicating the closure, especially for the card ending XXXX ; even though we do not know what numbers it/they might have for other 12 digits on the card ( s ). Recently, I do not buy so many things from the shops which related to the TJX, since I do not feel the charm which they sell. I prefer not to send any more similar correspondences in future. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE THIS ACCOUNT FROM MY CREDIT REPORT : XXXX XXXX
Product: Credit reporting or other personal consumer reports

IN XXXX OF XXXX, A PERSON DID NOT STOP AT A STOP SIGN, AND CRASHED ME, CAUSING DAMAGE TO MY VEHICLE. THE OFFENDING DRIVER WAS NOT THE OWNER OF THE VEHICLE, AND HE ALSO HAD A LICENSE XXXX XXXX, SO THE INSURANCE COMPANY ( XXXX ) PAID FOR THE REPAIR OF THE VEHICLE, MEDICAL CONSULTATIONS AND THERAPIES. THIS ACCIDENT UNFAIRLY CLASSIFIED ME BY XXXX AS " CLAIM NO FAULT '' SINCE THEN THAT UNFAIR CLASSIFICATION TO ME HAS CAUSED ME HIGH EXPENSES ON INSURANCE FOR MY CAR, FOR WHICH I HAVE HAD TO PAY UP TO APPROXIMATELY {$370.00} EVERY MONTH. IN XXXX OF THE YEAR XXXX, I CONTACTED XXXX TO REQUEST THAT THEY DELETE THAT RATING, AND THEY SENT ME A LETTER EXPLAINING THAT I WAS NOT GUILTY FOR THAT ACCIDENT. HOWEVER, THE LEXIS NEXIS XXXX KEEPS ME UNDER THE RATING OF " CLAIM NO FAULT '' I HAVE CALLED THEM MANY TIMES ON THEIR PHONE NUMBERS, BUT NO ONE ANSWERS
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report notation of the following late payments ( XXXX ) is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not { Department Store National Bank MACYS and Account number XXXX } I also respectfully request to be provided specific proof that theses alleged late payments were in fact late. I request to see all statements and payments transaction records from the you as the creditor that would proof that my payment was not submitted on time. It is my understanding that I must verify these items with the reporting creditor ( Department Store National Bank MACYS ) for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late, please update my payment history to PAANL status ( Paid As Agreed Never Late ) according to consumer protection laws. 

In addition in accordance to the Fair Credit Reporting Act ( FCRA ) Code 15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Furthermore as per the Fair Credit Reporting Act ( FCRA ) Code 15 USC 1681 Section 602 states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Where is my right to privacy, when your reporting to the credit bureaus about alleged late payments? 

Over and above that, by means of the Fair Credit Reporting Act ( FCRA ) Code 15 USC 1681a ( 2 ) ( B ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit card or prepaid card

I closed the credit card on XXXX 2013, but still display it on the credit report. 

1. bank of america A # XXXX open date XX/2013 closed date XX/2013 ( chapter XXXX ) {$1500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CHAPTERXXXXBANKRUPTCYDISCHARGED XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX
Product: Credit reporting or other personal consumer reports

In XXXX, I discovered that an unauthorized individual had stolen my personal information and used it to open a fraudulent account at XXXX XXXX. I immediately contacted the bank to report the identity theft and request that the fraudulent account be blocked and investigated. However, as of today 's date, XX/XX/2023, XXXX XXXX  has failed to take the necessary actions to address this serious matter. 

I have provided all required documentation to the bank, including a copy of my identity theft report, a government-issued ID, and additional personal information to verify my identity and confirm the fraudulent nature of the account. Despite this, the bank has not responded in a timely or adequate manner.Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute fraudulent accounts and request their removal from my credit report. Furthermore, financial institutions are required to have robust policies in place to prevent and address identity theft under the Bank Secrecy Act. The failure of XXXX XXXX  to act promptly and appropriately in this situation may constitute a violation of these federal regulations. Additionally, as the credit bureau is currently reporting this fraudulent account, they too are obligated under the FCRA to correct any inaccuracies in my credit report once notified. 

Request for CFPB Intervention : I urgently request the Consumer Financial Protection Bureau to intervene on my behalf and ensure that XXXX XXXX  and Credit Bureau take immediate and appropriate actions to : Block and close the fraudulent account opened at XXXX XXXX  in my name. 
Conduct a comprehensive investigation into the matter to prevent further fraudulent activity. 
Remove any negative information related to this fraudulent account from my credit report with Credit Bureau. 
Provide written confirmation of all actions taken to resolve this matter. 
I have attached copies of all correspondence with XXXX XXXX  and Credit Bureau, as well as the documentation provided to verify my identity and report the identity theft. 

I trust that the Consumer Financial Protection Bureau will act swiftly to help resolve this issue and protect my financial well-being and credit history. Thank you for your immediate attention to this critical matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX Inquiried on XX/XX/XXXX and XXXX XXXX XXXX Inquiried on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My credit was checked by XXXX bank without my consent. Upon contacting them they said they had no record of my name.
Product: Debt collection

In XXXX of XXXX I had a procedure done at XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX. I was offered a credit for this with XXXX percent for 5 years via Care Credit. I did the math and it came down to about {$300.00} per month which I could afford, so I agreed to it. I was given a paper to sign and no documents to take with me. I received online registration credentials and was using Care Credit app to pay the amounts that were shown in the app as due. First red flag that I've noticed was that my payments were very high at first, but were gradually decreasing month over month. I was never late on payment and in my mind I was paying off a XXXX interest medical loan. I came to find out on XX/XX/XXXX that my care credit was charged deferred interest on purchases of {$9600.00}, bringing my balance owed up to {$19000.00}. The original loan amount was {$18000.00}. At no point in time I have received any communication that the loan had to be paid in full in 2 years and not XXXX. If it was communicated to me, that would mean that my monthly payments would be around {$770.00} and I wouldn't be able to make these payments, therefore wouldn't agree to the procedure or taking this credit. At no point in time I received any reminders about paying off the credit before XXXX of XXXX. I was following the payment plan of Care Credit and in my mind was on time paying off my 5 year loan. But it appears that this plan is designed for a customer to end up owing about 50 % of what they borrowed in XXXX years, bringing me to this scenario. If this was communicated with me, I would've not agreed to it, as my monthly payments would've been more that I could afford. Contacting Care Credit did not bring any result as after hours on hold, I wasn't able to speak to anyone about it. After doing research, I saw that Care Credit was sued and lost in XXXX doing the same practices it is doing today. Also, I was able to find out that someone in similar situation was able to get help from Consumer Financial Protection Bureau. I am not saying that I will not pay the balance owed, but I am willing to pay the balance that I borrowed over the 5 years that was originally advertised. I need help having this interest reversed or pushed and pushed to the originally advertised 5 year. It looks like a fraudulent tactic to get money from the customers by Care Credit.
Product: Checking or savings account

I opened a new checking account and savings account with Citizens that was tied to an intro bonus. For the checking {$300.00} bonus, a {$500.00} direct deposit needed to be made within 60 days of account opening. For the savings {$300.00} bonus, {$200.00} deposit ( not necessarily direct ) needed to be made in 3 consecutive months following the account opening. It is well past that point, all requirements have been made, but the bonuses have not been deposited into my accounts.
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  Account Number : 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 Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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.