23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hello, I have been working on behalf of a struggling homeowner to attempt to facilitate a short sale on his home so as to pay off the bank and to avoid a foreclosure on his credit report. The loan in question is the 2nd mortgage with KeyBank. We have been at this process for the past 9 months with absolutely no response or resolutions. I am a professional who has completed around XXXX short sales and I am well skilled and knowledgeable in this field. This has to be the most disastrous experience I have ever had working a short sale. There are no phone calls back to me when I call to get a status update. each time I call I'm told someone in the Mortgage department would call me back in 30 minutes, 1 hour, and other times, etc. I have yet to receive a callback and when I call to complain I'm being told that there is no one in the department to he ; p me. 

I did call your corporate office and filed a verbal complaint with XXXX. As the saying goes the apple doesn't fall too far from the tree. XXXX is just as unreliable and refuses to call me back. She states that she will reach out to the department to advise them to call me. I have yet to receive a callback, I'm requesting your assistance as I have exhausted all means possible and my client ( homeowner ) is terrified that the bank will auction off the home without giving them the opportunity to settle the matter in a mutually beneficial way. I understand that we are in very unprecedented times and staff is low. I have taken this into consideration with the bank as I have done with all my other banks I deal with. Unfortunately, this has gone beyond any type of courtesy that can be given The name of the person in charge of this file is XXXX XXXX He does not return calls as promised and his colleagues apparently want to defend him. Please have this bank investigated and some form of punishment is needed to deter this behavior. I can only imagine the number of homeowners who do not have an advocate like myself who have given up and lost their home I have initiated a complaint also with the New York state banking committee I will await to hear from someone My contact info is asl follow XXXX XXXX XXXX XXXX I have a long list of times and dates and some recorded calls to provide as evidence
Product: Debt collection

Pinnacle Credit Services has flagged my Credit Report with a collection of {$1500.00} from an old XXXX bill. I do not owe this money to XXXX. Pinnacle Credit Services has sent fraudulent information to the Credit Bureaus stating that I have an unpaid balance at XXXX for {$1500.00}. 

I 've contacted XXXX in regards to this debt and XXXX has no knowledge of this debt. I have disputed this debt with the credit bureaus to no avail. I 've sent multiple letters to Pinnacle Credit Services asking for validation of this debt with no response. Every month this account updates on my credit and is harming my credit and reputation.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$9100.00} XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX  XXXX XXXX Balance : {$2900.00} XXXX XXXX Balance : {$7600.00} XXXX XXXX XXXX Balance : {$820.00} XXXX XXXX XXXX XXXX XXXX Balance : {$33000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$9900.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$19000.00}
Product: Debt collection

This debt is not owed, these charges are fraudulent as what they are trying to charge me for does not apply and I have video evidence to prove it. They tried to say that the carpet was left in a state where it needed to be professionally cleaned and I have a video of an entire walkthrough of the building and its clear the unit was left in extremely good shape, ATLEAST as good as I received it in as I had to make some repairs to fix their shoddy work. 

In addition to these being fraudulent charges in the first place, they also called my work multiple times. 

Here is the link to the video : XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my formal complaint to Experian I sent a letter last XX/XX/2022, to them regarding the unauthorized inquiries reflecting on my credit report and I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they reported hard inquiries to my report with no consent or authorization from me I never gave anyone permission to share my information nor recieved any benefits from it this is a violation of my rights and hendering me from receiving future benefits
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 there was a fraudulent transaction from my account issued to a XXXX in the amount of {$6000.00}. " XXXX '' was an ex-boyfriend who apparently had stolen my phone and sent the money to himself after turning off my notifications to my number and changing his cash tag to XXXX from XXXX. I immediately contacted cash app and inform them of the fraudulent transaction and they had me fill out the normal paperwork and said that in 10 days they would give me an answer after multiple times I'm trying to reach out to them through phone calls emails and chat messages I was able to get nothing resolved until far after the time to which they informed me that it was a non fraudulent transaction because said " XXXX '' and I had previous transactions. I also inform them that this XXXX had changed his name and had also deactivated his cash app account immediately after he did this. I tried to reach out to them again and explain to them that this was not an authorized transaction there had never been any transactions anywhere close to the amount that about that night the biggest transaction was {$600.00} that he paid to me for a broken TV and yet they still to no avail would do nothing about it and told me that their decision was final {$6000.00} is a lot of money to lose out on due to cash apps negligence and failure to protect me and my account.
Product: Debt collection

My grievance submission is in process with Cfpb XXXX. XXXX XXXX of Bb & t accessed a debt collection which is exempt through Internal Revenue Service mandate. XX/XX/XXXX {$45.00} expense paid XX/XX/XXXX. Knowing now that 10year debt collection is prohibited I ask to be refunded. And I ask that teller XXXX an personal banker XXXX XXXX be reprimanded due to my arguing dispute. XXXX XXXX is too be holding company for {$45.00} garnishment. Merit is for new expense account to be opened.
Product: Mortgage

XX/XX/2015, I traveled out of the state of my Mortgage residence owned, XXXX, to work on a three month contract in the state of XXXX. My account at Bank of America ( Mortgage Checking Account ) was lost and lifted out of my name by Bank of America. The account status was never fully restored and payments to my mortgage when I returned to reside at my home in XXXX in XX/XX/XXXX-XX/XX/2015 were refused application to my Mortgage account and lost. I also found two years of Escrow take on my Mortgage Escrow funding.
Product: Credit card

In XXXX XXXX BOFA sent me balance transfer offers for both my credit cards, which I took advantage of. In XX/XX/, I received notices that BOFA closed both my credit cards due to increase in balances on one or more credit card, sudden increase, and increase in utilization. I took advantage of offers given to me, and was penalized for taking advantage of them. Never had I had an delinquencies or lates on my credit or credit account. In XX/XX/, they invited me to open up a new credit card with them. 

I asked my attorney to write a letter on my behalf to BOFA, and they said all they can do is ask me to apply to open up a new credit card. 

I feel this is unfair trade practice where they entice me to take advantage of an offer, and then they closed my card, which affected my credit report.
Product: Mortgage

I initially became behind on my mortgage payments in early XXXX due to me being a widow. I was assigned to a single point of contact by the name of XXXX XXXX, telephone number XXXX, who submitted an approval for deferment on my loan on XX/XX/XXXX. I initially received the deferment and the payments were pushed out until XXXX. The hardship continued and XXXX assisted me with submitting for a loan modification. We proceeded and I was granted the loan modification in XXXX, for payments to begin in XXXX. There were 3 trial payments which just so happened to be in the middle of the COVID pandemic. Although I was effected by the pandemic, and just getting back on my feet, while making my lender aware of such ( emails sent ) I gathered the funds and made all 3 payments. I was sent a letter stipulating that I was approved for a final loan modification and that the documentation needed to be in by XX/XX/XXXX. I submitted the paperwork, had it signed by a notary and sent in. It was received on XXXX XXXX. Shellpoint offered to send a notary, however, I had already had the documents signed and the notary they offered, called and made me uncomfortable as they identified themselves as Shellpoint directly and not a notary. Later, after calling and emailing several times, I found out that the paperwork, I signed was erroneous on Shellpoint 's mortgage behalf, and needed to be signed again. This was conveyed to me on XX/XX/XXXX, when the payment was due in XXXX and I am effected by the pandemic. I made XXXX XXXX XXXX my single point of contact via our conversation and a follow up email ) aware and he promised to have his supervisor XXXX XXXX call me ( I sent XXXX XXXX several emails as well- 3 to be exact ). XXXX XXXX, nor XXXX XXXX got back to me. I re-signed paperwork, on my own, had that re-sent to Shellpoint Mortgage, and it was received, on XX/XX/XXXX. I was later told by another representative that there was an error with that paperwork due to a mishap on Shellpoint mortgages behalf, again. I have sent emails to XXXX XXXX and XXXX XXXX, again, no response. In the interim, I have received paperwork asking for the loan modification paperwork, which I have sent over twice, and I have also received paperwork stipulating that my home is in default. I was told that this paperwork generates automatically because the loan modification documentation has yet to be registered. Here I am at a stand still and told that I need to sign now a third set of loan modification documents with no explanation as to why, and no one seems to be giving me a call back. When I call, I am told that my single point of contact XXXX XXXX or his supervisor XXXX XXXX needs to correct the situation and after several calls, they too have not called me back. I need answers. This is my home. I have two little ones and it is extremely important to us. Your assistance would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 DEPT OF ED XX/XX/2023 DEPT OF ED XX/XX/2023
Product: Credit card

Musicians Friend XXXX XXXX  XXXX XXXX On XX/XX/XXXX I ordered a guitar and my Capital One card was charged for {$490.00} XX/XX/XXXX, see attached order. I called them, said the pickup selection switch was defective & they said they would send out a replacement to arrive by XXXX, which it did, see order date XX/XX/XXXX. I sent the original guitar back, see XXXX shipping ticket dated XX/XX/XXXX. 
I called Musicians Friend to tell them the pickup selection switch was defective on the replacement guitar. I sent back XX/XX/XXXX, see XXXX shipping ticket, they said they would need to charge me for the XXXX guitar pending receipt of the XXXX guitar, see charge card dated XX/XX/XXXX {$490.00}. 
I called Musicians Friend to tell them the pickup selection switch was defective on the XXXX guitar. I offered to keep it if they would discount it {$150.00} & I would buy the part & pay someone to fix it. Through a series of emails, attached, the customer service person, XXXX, said they would need to talk to someone to get approval. At some point I called a different customer service person with the same back & forth several times and no result. They said the credit for the initial {$490.00} had been approved and I needed to contact Capital One to see why it wasnt credited to my account yet. Capital One told me it could take some time. 
I eventually had a third customer service representation at Musicians Friend give me the {$150.00} ( posted {$160.00} including tax ) on XX/XX/XXXX. However, he said the {$490.00} credit was closed out, since he indicated he was new, it sounded like processed. On XX/XX/XXXX, Capital One told me it wasnt ultimately issued. 
I have one guitar in my possession, I have been issued a discount for it. I still need a credit for the original {$490.00} which shows on my charge statement XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have more proof of the situation, that it's inaccurate and incorrect information on my credit report for this account. Before it show C/O for every month and now with the new update it show for the month of XXXX of XXXX  it say no data how is this possible why haven't the other month or year did the same thing. XXXX XXXX account XXXX. I need this account remove XXXX deleted from all three bureaus. 15 u.s code 1601 congressional finding and declaration of purpose have violated my right under fcra act. Two different update in the months not accurate. Also it show XXXX, XXXX, XXXX, XXXX and it skip XXXX how it that possible where it skip 60 day of past due, that is incorrect and inaccurate information. Please remove
Product: Debt collection

I am receiving phone calls threateaning to sue debt they are talking about took place in XXXX or XXXX which is over 6 years statute of limitations. Supposedly I owe a creditor I do not recognize and even if I did its way past timely since it has been passed around to different creditors. Asked via email for debt validation proof. They then sent me letter recently of a computer print out stating i supposedly owe the debt of estimated {$2400.00} but can not prove its mine. On the letter they stated they would no longer contact me. Its still on my credit report. I have uploaded picture of letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having a problem with Equifax supplying and releasing a credit report with someone pretending to be me. It's been a year since I first wrote Equifax the first of the letters demanding they remove the names on my report that are not my names. 
Three months ago I attempted online to receive my credit report via the internet and I was denied. I was told I can not have access to my credit report online and I could only receive it by mail after I mail in several items such as a current utility bill, copy of my driver 's license, and my social security number. 
I have not done this yet because I do not feel comfortable with supplying all the information that is asked for. On XX/XX/2020 I received a mail from XXXX. XXXX   XXXX XXXX, GA XXXX the postage is paid by XXXX XXXX XXXX. It is addressed to a variation of the spelling of my name ending in a Y. I have never used this incorrrect spelling for my name because it is not my name. 
This tells me there is a person ( s ) Equifax is aiding in identity theft.My information is being used for credit and or transactions I have not sought. my information is being used by someone pretending to be me to have this fraudulent credit report mailed to my home as if I had done it. This is also mail fraud and I believe it is my best interest at the very least for Equifax to furnish me with complete disclosure, details of the reasons my credit reports were requested and given and the vender 's information who supplied the false names and addresses on my credit reports and their documented proof given to Equifax to justify the information being placed on my credit reports. There are social security numbers that are not mine and that I have never used on the Equifax Credit Report which I want to be removed and complete disclosure on the suppliers ; venders, and proof of the misinformation given to Equifax to justify them placing the information in my credit reports. I also want an explanation for why I have not been allowed to access my credit report online.
Product: Credit reporting or other personal consumer reports

To : XXXX XXXX XXXX XXXX : Request for Removal of XXXX Account Dear XXXX XXXX Department, I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, XXXX, or TransUnion ]. This request is based on the recent deletion of an account by XXXX, XXXX of the XXXX major credit reporting agencies. I recently disputed a charge-off for {$3000.00} from JPMCB/ listed XXXX my XXXX report, and following a thorough investigation, XXXX has completely XXXX this unverifiable debt from my report as of XXXX. 
According to the Fair Credit Reporting Act ( FCRA ) ( XXXX XXXX. XXXX ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section XXXX ( XXXX XXXX. XXXX ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section XXXX ( XXXX XXXX. XXXX ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section XXXX ( XXXX U.S.C. XXXX ), which allows consumers to seek legal recourse for willful non-compliance, and Section XXXX ( XXXX XXXX. XXXX ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely,
Product: Credit card

I have contacted Synchrony Banks customer service team twice regarding an issue with my Chevron card, but I was disconnected on both calls and have yet to receive any feedback or resolution. 

According to my XXXX, XXXX, and XXXX statements, I have been charged a 33.99 % interest rate on partial balances for regular charges that should have been billed at 29.99 %. This appears to be an error, and I am requesting that Synchrony correct the interest rate and refund the overcharges.
Product: Student loan

Starting in the summer of XXXX, I started repaying Sallie Mae. At the time, I was making {$1200.00} per month and Sallie Mae asked for {$800.00} per month. I paid it, but I called and tried to ask ask for lower more feasible amount. They threatened and tried to intimidate me by saying that they can make things worse for me and would never help me. I knew then that Sallie Mae was unscrupulous and feckless. A year later, I began XXXX XXXX  and my loans were deferred. I left that educational experience two years later and contacted Sallie Mae and they said no payments were do. For some reason, they did not contact me for another two years. By then a mass amount of money was accrued. My {$90000.00} became {$150000.00}. In XXXX, my battles with Sallie Mae which is now Navient became a constant in my life. Every 6 months to 12 months, they would change the payment rate or increase the interest rate. I would call them on these issues and they would say " Its at our discretion '' " We can change the amount anytime we want '' " We will take your house and other belongings '' " You should borrow the money '' It was disgusting. I asked for my promissory note or contract with Sallie Mae and Navient would not send it for 4-5 years. When I finally received it I realized that they had my father listed as a cosigner. Now I made sure several times I did not have a cosigner. In fact, the company said my father was ineligible to be a cosigner. Navient sent me falsified, vague documents and can not keep up their several lies. Recently, Navient has increased my payments to {$1300.00} per month. I am not working and I am full time student. Even if I had a job, I would not pay that insane amount of money per month. I tried to have my father released as cosigner, but they refuse. When I meet all the criteria to have my cosigners released. My father has XXXX XXXX and can no longer work. My mother has four XXXX XXXX   and can no longer work. However, they are so quick to say " I don't care '' " Thats your problem ''. When in fact it should have never been a problem. I never signed on with cosigners. I do not want to pay them anymore. I can not trust them to apply necessary payments. I can not trust them not come up with some large monthly amount that will beggar me more. They have said racist, elitist, and all around cruel statements to me when I needed assistance or when I could prove they were wrong. Navient is a feckless, lying company who does not care about the consumer. They want to destroy people 's futures or at best hold them back. They come up with copious amounts on whey they can not assist or treat the consumer fairly. 

Accounts : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$17000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.