23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I just uncovered that my mortgage company Carrington Mortgage, LLC has taken advantage of my disability and ability to financially understand the documents for my re-modification during my hardship. It looks like they have deferred the same full amount of my principal balance of my loan. So no I Carrington double the value of home is worth. My outstanding loan is higher then the worth of the home. No did not take out a second mortgage. I can not an answer from anyone other than I signed the documents in 2019 when I modified. I feel they took advantage of me as well as those companies I tried to seek professional help, paid money and never fully followed through the modification. My disability has hindered my life a great deal in managing important things not to mention being a single parent of XXXX.
Product: Credit reporting or other personal consumer reports

These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired XXXX, XXXX, and XXXX who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX  ) ( XXXX ) ( XXXX ) ( XXXX ) This is making me lose confidence in the banking system due to these violations. I the consumer does not grant XXXX, XXXX, or XXXX the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act convergent XXXX, XXXX, and XXXX has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

I contacted Bank of America because I was not receiving e-alert emails for my account activity. I had numerous calls with Bank of America about this issue, and they repeatedly told me that there was nothing they could do about this. They told me to contact my email provider ( XXXX ) about this. XXXX told me that there was nothing on their end that would prevent me from receiving Bank of America emails. Because I couldn't get Bank of America to resolve this issue, I opened a complaint with the Better Business Bureau. I was contacted by XXXX XXXX from the Wealth Management Client Care Executive Escalations Team. This complaint is in reference to a letter dated XX/XX/XXXX that I received from XXXX XXXX that made false statements about what transpired in my communications with Bank of America about this issue. He stated that I " refused to process any troubleshooting requests '' and I " refused to allow a new e-alert to be established to test if adding the email address correct the issue. '' Both of these statements are completely false, and it is unacceptable for a Bank of America employee to make false and disparaging statements like this about one of their customers. On XX/XX/XXXX I contacted Bank of America and submitted a complaint about this employee and I was told I would receive a call back from Bank of America within 48 hours. It has been 2 weeks and I haven't heard back from anyone at Bank of America about this complaint. I called Bank of America back on XX/XX/XXXX, and spoke with a supervisor named XXXX and she didn't have any explanation as to why no one has contacted me. I told her that I will close my Bank of America credit card if I don't receive a call from them by XX/XX/XXXX. Its unacceptable to be treated like this by one of their employees and for Bank of America to not even contact me regarding the complaint I made about this employee.
Product: Credit reporting or other personal consumer reports

n accordance with the fair Credit reporting act ( XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX Account # XXXX ) ( XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) has violated my rights! Also i was never late on any of these accounts ( XXXX XXXX Account # XXXX ) and i never made a credit application with these companies ( 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 XXXXXXXX ) and feel my rights are being taken advantage of 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 an account without my written instructions! 



In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;
Product: Mortgage

I suffered a hardship in which my VA benefits were reduced in error. This error led to my income dropping significantly benefits. This was due to appointments needing to be rescheduled due to the Covid-19 emergency in which. I also lost my brother and niece due to XXXX. Royal Pacific has forced me to go back and forth over the Loss Mitigation Application. Each time I corrected the information in the application to their specific request, they would state that there were more issues with the data. I have reviewed the application with Royal Pacific Fundings representatives, and each time I was informed the application and the corrections were complete. Each time I revisited the application, I went from top to bottom to ensure the application was completed and to the representative 's satisfaction. The errors were due to their representative informing me to change information. Each time I have asked if the application was correct and completed, the application would later be rejected, stating the information is incorrect or more documentation is now needed. These delays by their Loss Mitigation Department extended the process past the 30-day mark, and I was notified that it was now my fault and my home was placed into foreclosure. The delays are still coming, and I fear losing my house due to these tactics of delaying the application. In addition to this, my home loan was removed from my credit report, which made it impossible for me to refinance the home, and this has not been explained to me.
Product: Debt collection

XXXX is trying to collect a debt and I am in good standings with the company and have been for sometime now. When I restarted my service I was told that my debt has been taken care of and I continue to this day to be in good standings with wind stream communications. Thank you XXXX XXXX
Product: Credit card or prepaid card

Synchrony Bank has abruptly closed my account. This is an adverse action damaging my consumer credit. They closed the account because I do not have a mortgage or any secured credit, the average time on applications for credit, credit usage etc. 

The card they closed was opened in 2017 and used twice. One time as recently as last year. The card has always been paid timely and never incurred a late fee. 

A creditor closing a consumer 's account reflects negatively on the consumer credit report. They could have called me to discuss any problem and I would have voluntarily closed the account. Instead, they chose to damage my credit further. 

Synchrony should reinstate the account and call me to discuss the problem. I am their customer, they are not mine. I would be glad to no longer do business with a financial institution such as this. It is a shame they are even allowed to operate.
Product: Mortgage

Hello, Well, I 've been hoping HARP3 will pass, but that wo n't happen. We 've called Wells Fargo & XXXX ( owns our mortgage loan ) and we keep getting the run around. Wells Fargo says to call XXXX, XXXX says they ca n't help us. Our loan is n't with XXXX or XXXX, my husband and I have great credit and we 've paid on time - our house is worth less than what we paid for in 2005. 
After all this time, we still ca n't refinance!
Product: Credit card

For a XXXX time, the Macy 'XXXX Card company charged XXXX a late fee and interest on a payment that the bank records showed was paid on time - in fact, after the XXXX time, I set the payment to pay BEFORE the due date. This time, the payment was due XXXX and they were paid XXXX. Although they removed the fees when I called and agreed the payment had reached them on time, many people would just have paid. What a way to make money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/23 I have filed an electronic dispute with XXXX, Equifax, and XXXX XXXX for an auto loan account named XXXX ( XXXX XXXX XXXX  ). They have this same car loan on my credit report with XXXX XXXX which is legitimate.This non action and indifference is being performed in collusion with a group of informants and federal agents as a synthetic identity theft. This has negatively affected my credit line and score deliberately.
Product: Credit card or prepaid card

On XX/XX/XXXX after requesting my statements, I filed a XXXX claims at Bank of America EDD prepaid cardholder services for unauthorized transactions. It is now XX/XX/XXXX and my provisional credit has not been deposited for my use during the remainder of the investigation period.
Product: Credit reporting or other personal consumer reports

OnXX/XX/XXXX a lawful debt request affidavit was sent to XXXX XXXX XXXX I received none of what I requested XXXX XXXX XXXX sent a statement not a signed invoice.They sent a agreement signed by a third party for XXXX XXXX XXXX named XXXX XXXX corporations cant sign because they have no right or mind to contract since they are soulless legal fictions and furthermore no 3rd party can sign a contract on their behalf.They also showed no equal consideration.XXXX XXXX XXXX brought nothing of value to the table and had nothing to lose this company has had more then enough time to send documents i lawfully requested.XXXX XXXX XXXX has since sold the debt to a company name XXXX before verifying anything I requested and is now improperly reporting to credit report.XXXX XXXX XXXX has committed several crimes starting with. Anticipatory Repudication Criminal acts of XXXX XXXX XXXX 1.The contract was void-ab-initio because XXXX XXXX XXXX lied and never intended to lend a single cent of their own asset XXXX valid contract must have lawful or valuable consideration.The contract failed for anticipated breach.XXXX XXXX XXXX never planned to give the Buyer/borrower ( me ) any valuable consideration XXXX XXXX XXXX XXXX XXXX breached all its fiduciary duties to the buyer and is therefore GUILTY of criminal breach of trust by failing in its good faith requirement XXXX XXXX XXXX XXXX violated its corporate charter by lending credit or nothing at all to the buyer ( me ) and then charging interests on this make believe loan.Banks are only licensed to lend their own money not other peoples money.XXXX XXXX XXXX used the buyers ( me ) promissory note to clear the title which essentially purchased the property from the seller.The transaction is an ultra vires transaction because XXXX XXXX XXXX engaged in a contract outside its lawful mandate.An ultra vires contract is void or voidable because its non existent in law 6.Everyone involved in this undertaking with XXXX XXXX XXXX starting with the loan officer, lawyers and even central bank are equally guilty by association by aiding and abetting XXXX XXXX XXXX in its commission of its crimes against the buyer ( me ) XXXX XXXX XXXX XXXX XXXX and the others who profited from the ultra vires transaction are all guilty of unjust enrichment and fraud for deceiving the buyer ( me ) and for acting in concert in this joint endeavor to deceive the buyer ( me ) XXXX XXXX XXXX has sent me the same information THREE times! and fails to send the documents I lawfully requested and has had more then XXXX even 90 days to send documents.Credit report should be updated immediately or hold XXXX XXXX XXXX and XXXX XXXX accountable for federal questioning regarding Anticipatory Repudication UCC 2-610.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX  DEPTEDXXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX  DEPTEDXXXX Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX  DEPTEDXXXX
Product: Mortgage

I started in XX/XX/2019 with Cardinal Financial for a refi of my XXXX House. I prepaid for an appraisal of my house ( {$470.00} ) and never received it. I have asked for either a refund or a copy of the appraisal and have been ignored. Please assist me in receiving either. 

Here is the contact individual : XXXX XXXX | Loan Originator Inside Sales | NMLS # XXXX Cardinal Financial Company , Limited Partnership | NMLS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Phone/Fax : ( XXXX ) XXXX | XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Fortiva Account # XXXX Dear Who ever this concerns, On XX/XX/XXXX I Disputed Fortiva Account # XXXX through the CFPB portal case # XXXX, because I thought this account should report as an installment loan instead of a revolving account. I was incorrect and Fortiva VERIFIED this account 100 % and mailed me the original contract that explains it would be an revolving credit card account. 
However, XXXX  decided to REMOVE this entire account from my credit report although Fortiva has VERIFIED this account and without my request. No other credit bureau has done such a thing. 

I have reached out to XXXX  multiple times and Fortiva multiple times and the account is still not reporting to my XXXX  file. I have paid this account and would appreciate if it could reflect my payment history greatly on my XXXX  file. 

Equifax claims it's an issue with Fortiva, Fortiva claims it's an issue with XXXX. I AM FED UP WITH THE IGNORANCE! I DEMAND THIS TO BE FIX WITHIN THE NEXT 30 DAYS! I NO LONGER WANT TO BE THE MIDDLE MAN BETWEEN THIS ERROR, I DEMAND FORTIVA AND XXXX  CONTACT EACH OTHER DIRECTLY! 

FORTIVA RESPONSE : CFPB Case number # XXXX. 
Dear Mr. XXXX : We are in receipt of your correspondence to the Consumer Financial Protection Bureau regarding your Fortiva Retail Credit account. Your correspondence expressed concern that you would like for your Fortiva Retail Credit account to be reported as an installment loan rather than a revolving line of credit. Our records indicate that on XX/XX/XXXX you opened a Fortiva Retail Credit account to finance a purchase in the amount of {$2400.00} with Vivint Smart Home. The Fortiva Retail Credit account is a revolving line of credit that can be used to make additional purchases with XXXX and accordingly is reported as such with the credit bureaus. Please note that prior to accepting the offer of credit you were presented with the terms of the account, including the credit limit and the cardholder agreement, which discloses that this account is a revolving line of credit. Please note that you may pay  more than your required minimum payment at any time to reduce the outstanding balance that is reported to the credit bureaus. We hope this explanation addresses your concerns. Thank you for being a valued Fortiva Retail Credit customer. Sincerely, XXXX XXXX On behalf of Fortiva Retail Credit* XXXX XXXX  XXXX  XXXX  is the creditor of the Fortiva Retail Credit account.
Product: Credit reporting or other personal consumer reports

Ive made several attempts to this company to stop reporting inaccurate information on my credit report, they refuse to do so and its causing me a world of trouble and stress. They did not complete a Social Security Form 3288 ( SSA-3288 ), which is required for permissible purpose under FCRA. This raises serious concerns about the legitimacy of the information reported, as well as the adherence to privacy regulations. I obtained my credit report it is reporting numerous inaccurate negative accounts. This has not only damaged my right to extend credit but it has made loose hope and trust within the banking system. I have been denied credit cards home loans because of this and my character has not only been defamed but my mental and physical health have suffered greatly. There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why congress made it very clear that experian, XXXX, XXXX ASSUMED this VITAL role pursuant to 15 USC 1681 ( a ) ( 3 ). Also, Experian, XXXX, XXXX failed to be fair and respect my privacy according to 15 USC 1681 ( a ) ( 4 ). I am requesting valid proof and documentation that these negative items were investigated fairly and properly. Experian, XXXX, and XXXX is in violation of several federal laws including responsibility they have to protect my privacy. Im giving experian the opportunity to make this matter right by way of the following ; XXXX has ignored the fact that XXXX and the Bankruptcy court stated that they are not reporting this information to them experian and XXXX has removed the information, XXXX is not abiding by fcra and fdcpa credit laws see attached documents. These accounts are inaccurate and should be removed as soon as possible : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX, Bankruptcy Court. Inquiries : XXXXXXXX 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 XXXXXXXX XXXX.REMOVE ACCOUNTS, REMOVE LATE PAYMENTS, REMOVE INQUIRIES, REMOVE INACCURATE PERSONAL INFORMATION,
Product: Mortgage

Hello, Recently my FHA loan was transferred to LoanCare, XXXX from XXXX XXXX XXXX in XXXX of XXXX. It appears that they are trying to illegally obtain additional escrow " padding '' payments. It is my understanding that only XXXX of the total anticipated annual disbursements are able to be required by the lender as a cushion at the beginning of the year before escrow payments are made throughout the year. Which in my case would be an {$800.00} cushion as I have {$4800.00} in total yearly disbursements. 

On XXXX XXXX XXXX I received an annual escrow account statement telling me that I have an escrow shortage and telling me that I need to add an additional {$390.00} to my monthly escrow payment to make up the shortage even though I have {$860.00} currently in my account. This would bring my total monthly escrow payment to about $ XXXX/mo. Which would result in over {$8800.00} at the end of XXXX when you add in my current balance. It appears that they are requiring me to keep a full 12 month cushion in the account instead of the maximum federal law requirement of XXXX of my total yearly disbursements as previously stated above. 

Under XXXX XXXX XXXX my monthly payment was XXXX and nothing has changed in terms of my yearly escrow disbursements. Under LoanCare they are increasing my monthly payment to XXXX to make up for what they are calling an escrow shortage which is clearly unlawful since it is requiring far more than a 2 month padding for the year. 

I have contacted LoanCare multiple times and they are unwilling to resolve the issue and keep saying I have an escrow shortage. Please advise on how to resolve this problem Thank you XXXX
Product: Mortgage

I recently got a divorce, and was given the house. For the past month, I have submitted numerous request by phone, by email, and through Lakeview Loan Servicing 's contact page to get someone to contact me in regards to getting my loan modified. I've heard nothing. At this point, I am very frustrated. Per my divorce decree, I only have a certain amount of time to get this process started and we are getting close to not being able to do this. This is getting ridiculous. I just want fill out the paperwork to REMOVE my husband from the loan. What rights as a consumer, and loan borrower do I have? 

Loan # XXXX Lakeview Loan Servicing Co.
Product: Checking or savings account

XXXX Had issues with wells Fargo overdraft fees and over charging my account when I had an account with them and also issues with identity theft and they never took care of it