23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

See attachment XXXX for a copy of my XXXX XXXX, XXXX Information Requests. See attachment XXXX for a copy of M & T Bank response letter dated XXXX XXXX, XXXX. 

The following complaints are in reference to the M & T Bank response letter dated XXXX XXXX, XXXX to my XXXX XXXX, XXXX Information Requests, by paragraph number : 1. M & T Bank makes a one day distinction between when they acknowledge delivery through the mail and when correspondence is considered " received for review. '' 2. There is no trust identified as XXXX XXXX filed with the SEC. 
3. M & T Bank failed to identify the investor, as requested, to which the Investor ID referred. 
4. On XXXX XXXX, XXXX, M & T Bank sent me a payment history from XXXX XXXX indicating that my loan had a balance of {$0.00} on XXXX/XXXX/XXXX. M & T Bank now represents that XXXX XXXX was not servicing my loan at that time. M & T Bank has failed to provide an accounting, as requested, of when and how my loan balance increased from {$0.00}. 
5. M & T Bank failed to identify who made material alterations to the security instrument and why it was necessary to record the altered security instrument after the original security instrument had already been recorded. 
6. M & T Bank continues to not answer my corresponding request. This will be my fourth request. I need to know the dollar amount that M & T bank has paid to any entities from the principal and interest payments that I have paid to M & T Bank. 
7. I asked if XXXX XXXX was an agent of the lender when Property Inspections were made at my residence. M & T Bank 's response did not answer my question, unless they are now representing that M & T Bank was the lender at those times. 
8. M & T Bank failed to provide document references for items that they identified as " other defaults. '' 9. My question was only about Servicers for my loan. M & T Bank did not answer my question, but instead responded with references to Master Servicers. I still need a accounting of the payment history from the Servicers previously identified by M & T Bank as the Servicers of my loan. I also need to know if my loan was in default on the date that XXXX XXXX XXXX started servicing it. 
10. I asked a question about lender ( s ). M & T Bank responded with a statement about a Servicer. 
11. I asked a question about whether my loan was in default on the date M & T Bank started to service it. M & T Bank failed to address the " default '' question. 
12. M & T Bank failed to provide me with a copy of their initial communication to me concerning a debt. They also failed to identify the current and initial creditor on the debt. 

M & T Bank has failed to provide me with a chronologically consecutive payment history for my loan. There are at least XXXX gaps in the payment history records that M & T Bank has provided me. Those gaps make the mathematical accuracy of all calculations subsequent to those gaps indeterminate.
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 REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  XXXX
Product: Credit card

I lost my father on XX/XX/2024 so I'm trying to get a grip of things and noticed the following on my credit report XX/XX/2024 Capital One ran my social, I never applied for any applications. 

XX/XX/2024 XXXX XXXX  XXXX. ran my social, I never applied for any applications. 

XX/XX/2024 XXXX  XXXX XXXX ran my social, I never applied for any applications. 

XX/XX/2024 XXXX XXXX ran my social, I never applied for any applications.
Product: Checking or savings account

On XX/XX/2023, I deposited a check into my business banking account, and it was to clear the following day. I contacted Chase customer service because the funds had not cleared my bank and after being on the phone for more than three hours, I went to my bank location and spoke with the bank manager. Chase refused to process the check. The following day I received a notice from Chase that the check would be held for 14 days due to the risk of the check not being paid. Prior to this check, I had deposited numerous checks from this same customer and bank and never had any issues. I depend on the funds from the business checks I receive to secure my payroll and I could not wait for the funds to be held. My customer cancelled the check and wired the funds into my account the following day and those funds were also held due to incorrect information that was given to me by a Chase associate. On XX/XX/2023, I deposited an additional check from a business customer who I have also deposited checks from and never had any issues. The next day I noticed the funds had not cleared and I was on the phone for hours attempting to find the issue for this check. I received another notice that the check I deposited would be held for 14 days due to the risk of the check being unpaid. Once again, I could not wait for the 14 days. My customer stopped payment on the check and sent the funds via ACH payment. Chase provided me with a routing number for the ACH payment which was incorrect and once again the funds were held for an additional 48 hours. After speaking with numerous Chase associates, and over five hours on the phone, the " routing '' department corrected the mistake, and the funds were available immediately. I instructed my customers that we could no longer accept checks and any future payments would need to be sent via ACH transfer. On XX/XX/2023, my customer sent an ACH payment to my business account, with the information I was provided from a Chase Associate. The funds were to be posted to my account on XX/XX/2023, but there was an additional issue, and the funds are now being held again for six days. The information provided to me by Chase was once again incorrect. I am now unable to process payroll for my employees and they have all quit and will be filing labor claims against me. I will now be forced to close my business due to errors caused by Chase Bank. This happened four weeks in a row for every deposit that has been made to my business account. The actions of Chase bank are inexcusable. When customers are routed to other countries with language barriers to provide horrible customer service for Chase Bank, and incorrect information, Chase needs to do everything they can to make sure their customers are not affected. For the past three weeks, I have spent countless hours talking with Chase associates, bank managers, supervisors, and have not received any resolution.
Product: Student loan

I am reaching out because I was deceived a few years ago by SallieMae ( now navient ). 

I graduated college with these extreme private loans that their scamming company pushed me to get at XXXX XXXX XXXX not knowing what this would do to my credit/payment down the road. 

I was making XXXX a year about 10 years ago when I had to start paying over {$1000.00} a month for these loans ... They neer allowed me to get on a payment plan I was forced to continuously default and/or go into forbearance which is now impacting my ability to buy a house, get credit cards, rent a house, basically anything impacting my credit. 

My interest rates are almost 15 % on one of my loans and continues to just rake in money on Navients end. I have been paying for years and haven't seen a dent taken on my loans and I feel like that something is just wrong. I've called numerous times and they hang up on me and sometimes just beat around the bush. I can't live a normal life dealing with over {$100000.00} IN DEBT that just keeps getting higher and higher no matter how much I'm desperately trying to pay each month. 

Please help me, I can't even move to a different lender because of my terrible credit, I need to get away from these people!!!
Product: Debt collection

Heres a structured description based on the provided information : Incident Description : I am writing regarding an account with the name " RESURGENT/LVNV FUNDING '' and account number ending in XXXX. The account was opened on XX/XX/XXXX, with an original balance of {$910.00}. The account is currently listed as a collection account, with the status updated as of XX/XX/XXXX. As of XX/XX/XXXX, the balance remains at {$910.00}, and it is marked as past due. 

Concerns : Upon reviewing the details of the account, I noticed the following : The account has been reported as a collection account with no payments made or adjustments applied since its opening in XX/XX/XXXX. 
The payment history shows a " C '' for collections every month from XX/XX/XXXX through XX/XX/XXXX, without any indication of partial payments or settlement arrangements. 
The original creditor is listed as XXXX, but I have not received clear communication regarding the nature of the debt or any attempts to resolve it.
Product: Credit reporting or other personal consumer reports

I didn't sanction these inquiries and firmly believe they're deceitful. I urge you to carry out a comprehensive investigation and promptly erase them from my credit file. I've furnished supporting documents for your scrutiny.
Product: Money transfer, virtual currency, or money service

I am writing to formally complain about Zelle 's handling of disputes, especially with regard to the recent CFPB lawsuit that pointed out serious problems with the platform. My bank and Zelle failed to do their research on my claims after numerous uses of Zelle and reporting mistakes. They told me that lost money couldnt be replaced, and transactions could not be tracked. The CFPB report shows Zelle not only failed to shield consumers from scammers, but it has also enabled repeat offender fraud to gain access to the system leaving users open to scams. This is not accountable and transparent at all and poses a grave threat to consumer safety.
Product: Mortgage

This is an update on the original complaint cas number XXXX Received a letter on XXXX XXXX. From Bank of America dated XXXX/XXXX/2015 that my mortgage refinance has been denied due to insufficient property value. Now I was under the assumption that they B of A were reviewing my complaint of my appraisal not being done in a professional manner and that my request for a refund of the appraisal was still under review.. What this letter is telling me is they have no intention of reviewing or refunding my money as the appraisal is so way off base and it would not benifeit them from refinancing my loan. I see this as an unfair and devious practice when they initiated the loan via when they sent me a letter stating I may be elidgable for a lower Interest rate. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX CARD - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX  XXXX - XX/XX/2024 XXXX - XX/XX/2024 XXXX  LL - XX/XX/2024XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2013 I have had constantly fight with Experian, XXXX   , & XXXX to take inaccuracies of my credit report and at the same time I also been notified by all three companies. My information had been breached. They neglect to report properly so my scores stay low, when they report inaccurate information I dont get a descent rate on auto insurance. This is the impact of their negative practices
Product: Money transfer, virtual currency, or money service

I have two different occasions, one is where I sent to wrong person and they didn't give it back. Two is where I was trying to rent a car, and they kept my money and I got no car. I have scene shots attached. There was no one to speak to to get this resolved at cash app.
Product: Checking or savings account

I was charged 2 service fees of {$24.00} in total, the representative named XXXX from customer service only refunded one fee and refused to refund the second fee. At XXXX XXXX  we agreed I needed to speak with a manager, she pretended to transfer me but instead she has me on a silent hold. At XXXX XXXX  I am still currently on a silent hold as I type this, so this has gone on for over an hour. This employee has extremely horrible customer service skills no regard for customer satisfaction. She was not able to help me and does not want her supervisor to assist me.
Product: Mortgage

Chase Bank is charging me {$500.00} per month, or {$6000.00} per year for my escrow. I escrow taxes and insurance. My annual insurance is {$1400.00} and my taxes are {$3700.00} annually, for a total of {$5100.00}. So Chase is overcharging me by {$930.00} a year.
Product: Credit reporting or other personal consumer reports

I tried to gain access to my experian account and when entering my ssn and date of birth to gain access. It said that I must verify the account with a email that I do not recognize XXXX I tried calling experian and they had me talking to a robot that does not connect me to a XXXX. My current email is XXXX and I need the account to be under that email.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has given my personal information to unknown individuals exposing me to the possibility of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion, XXXX, and XXXX 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 accounts that are reporting on my Credit Reports : 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: Debt collection

On  XXXX   XXXX    XXXX   I received a letter from  XXXX   XXXX   XXXX   XXXX  stating I owe {$370.00}. I decided to call the number on the letter  XXXX  and I had a lady answer and said her name really fast and told me she was recording the call. She asked how I wanted to pay the account. I told her I had questions as I dont recall owing {$370.00} to   XXXX   XXXX   I asked her to verify name and social on account and she replied by saying that was not her job. She then asked me again how do you want to pay this debt of your and do you agree this your debt? I replied by asking her this account is not mine and to please verify my social security number and she became angry and said that was not her job to do so and hung up on my call. I contacted   XXXX   XXXX   the original creditor according to the letter. I asked them to verify my account and they said they had no account under my ssn.
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX has my account with a past due balance of XXXX and the account has been settled. The Credit union show my account closed and settled, but wo n't take the past due {$940.00} off the credit report. The balance should show zero, just as all my creditors show. Please help asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to fail to look into this matter of Fraudulent inquiries on my equifax credit report, i have tried numerous times to get them to look into these fraudulent inquiries and have them removed from my Equifax report. 

XXXX XXXX XXXX XXXX XXXX Show Details XX/XX/XXXX XXXX Show Details XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

on XX/XX/XXXX a judgment was filed by XXXX XXXX XXXX XXXX XXXXUS COLLECTIONS WEST for {$1200.00}. On XX/XX/XXXX, I contacted US COLLECTIONS WEST to pay this judgment from my Eviction Action Hearing. I was treated with hostile and threatening language by XXXX XXXX and XXXX XXXX XXXX. I paid {$1600.00} to US COLLECTIONS WEST on On XX/XX/XXXX, and requested a copy of my receipt from XXXX XXXX he refused to provide me with the proof that the debt from my judgment I owed XXXX XXXX XXXX XXXX XXXX was satisfied in full. And now US COLLECTIONS WEST have also added a different collection account having XXXX XXXXXXXX XXXX XXXX XXXX as the original creditor for {$690.00} to my XXXX credit report. I make and receive calls to and from XXXX and XXXX The first call I made to them was at XXXX XXXX on XX/XX/XXXX below there are other calls to and from them on XX/XX/XXXX. I also spoke with XXXX XXXX the VP two times that day. around XXXX and then again around XXXXXXXX XXXX and XXXX XXXX on that same day.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX - XXXX - {$2000.00} XXXX XXXX XXXX - {$0.00} Inquiry XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Personal Information Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I took out a personal loan with this company and I didn't know that this was a predatory loan. On {$1000.00} loan I will be paying back XXXX in loan with their interest rate.
Product: Debt collection

Continue attempts to collect on debt that i never made.. i told them it was not mine and they persist on attempts and add more charges.. that are also not mine ... they keep bringing my credit score down and attempt to bully me in yo paying this debt i do not owe..
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I have sent several Goodwill adjustment  letters, disputed all three bureaus and contacted XXXX XXXXXXXX for validation and proof! They have overlooked every attempt I have attempted! They are violating my rights and arent willing to help me!. These dates that theyre saying I was 120 late were XX/XX/XXXX thruXX/XX/XXXX and late 90-119 days in XX/XX/XXXX, then late again supposedly XX/XX/XXXX @ XX/XX/XXXX 120 days late. I have never been late and they will not budge. All of these are closed accounts my loans were all brought and Im in good standing! These dates are all closed accounts that I wasnt late on.
Product: Debt collection

This company continues to call my mothers home repeatedly, a third party, although they have been informed I do not reside there and was asked to stop calling on several occasions by the third party, my mother.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, XXXX XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX XXXXL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Resident typeSingle XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Resident typeMultifamily XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Resident typeSingle family XXXX XXXX XXXX XXXX, XXXXL XXXX Phone numbers THAT DO NOT BELONG TO ME XXXX XXXX XXXX XXXX Residential ( XXXX ) XXXX Cellular ( XXXX ) XXXX Cellular Employers DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NAMES DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction XXXX please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX