23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

We wrote out personal checks to XXXX XXXX and XXXX  XXXX to pay our credit card bills XX/XX/XXXX for a total of XXXX from our Citibank checking account. They were mailed but never were received by the credit card companies. The checks had apparently been stolen, endorsed by person ( s ) unknown and the checks were cleared by Citibank with the amount deducted from our checking account. We first notified our credit card companies to investigate as we thought the checks were received but not credited to our account. The credit card companies never located our checks. On XX/XX/XXXX we called Citibank and asked for copies of the cashed checks. On review the checks were signed/endorsed with XXXX different signatures. We contacted Citibank again and they insisted that the credit card companies sign an affidavit stating they did not endorse these checks which they couldnt do since they never received them in the first place. This went back and forth with Citibank customer service for a few months. We then physically went to our Citibank branch and spoke to the manager who took our information and opened up a new case. I believe this was in XXXX. We waited a few weeks to hear. Phone calls and emails to this manager went unanswered. Apparently he had left this position. Went back to the bank in XXXX. Spoke to a different manager. A new case was opened with our documents. We were given a different affidavit that we had to complete and notarize stating we dont know who endorsed those checks. Physically brought this to the bank. Again waited to hear. No response to phone messages or emails. This affidavit somehow got lost. Apparently this manager also left. Went back again in XXXX. Spoke with yet another manager. Completed this affidavit again. Documents again sent to Citibanks fraud department and the case opened again. Latest update is that the banks who initially cashed these checks back in XXXX have to complete their investigations which can take up to 60 business days. The active case number is r XXXX. The manager who is helping us now is XXXX XXXX. The branch is at XXXX XXXX XXXX XXXX XXXX  XXXX New York. Her number is XXXX XXXX XXXX. Email address is XXXX. We really dont understand why Citibank isnt crediting our account since these checks were so obviously fraudulently cashed. This has been going on since last XXXX. We have been longtime Citibank customers and can not believe their customer service is so appalling.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that although I have written several letters asking for validation of debt, permissible purpose letter, audit trails for validation of debt and inquiries I have not received any response because of the automated system you have in place which is in fact a violation as well. 

I am afraid these 3 credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality and a respect for the consumers privacy, I did not give consent to these accounts.

I have remained humbled despite the stress, abuse, and harm these 3 credit reporting agencies have done to me.
Product: Mortgage

I wish to amend my former complaint XXXX. <P/>Part of that complaint was as follows : I was dual-tracked by Bank of America. I received an approved modification package effective XX/XX/XXXXXXXX... But they still foreclosed on my home effective XX/XX/XXXXXXXX... To this day Bank of America is still listed as the owner according to my local tax collector. <P/>Bank of America responded to my chain of title problem with this : " Regarding Bank of America 's name being listed as the owner of the property, my research shows no changes have been made to the recording of the Deed of Trust since its original recording date of XX/XX/XXXX. If you wish to pursue this matter further, we will need you to provide more specific factual detail in support of your claim and I will investigate the matter. '' And I rebutted thusly : I explained exactly what I consider to be the issue and what the solution should look like- if you search my address in the XXXX County tax collector 's site, you see that the [ BoA ] is still listed as the owner of my home. I did not make that change- what made that change is that the company foreclosed and recorded the new certificate of title on XX/XX/XXXX. Then when they rescinded the sale they did not record a new certificate of title. So even if I am legitimately vested on title, I might as well not be if there is no recorded document to that effect. I could n't apply for my XX/XX/XXXXhomestead as a result. I should not have to investigate, execute, or pay for that work- the company should do it. <P/>I 'm amending my complaint because after seeking mortgage assistance again from BoA in XXXX, I have been approved for a short sale ; however, the following communication ( also attached ) came in to my realtor through XXXX on XX/XX/XXXX : " Good Afternoon, I received the Appraisal and it had Bank of America as the owner. I have verified that the property title is showing this also. I need the Title corrected to show XXXX XXXX XXXX as the owner to move forward. I am not sure how long this will take. Thank you, XXXX XXXX XXXX '' So, after everything, I was correct, and BoA bumped me off title when they foreclosed in XXXX.
Product: Credit reporting or other personal consumer reports

FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer FICO credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief. 


CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 
This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts. 

Account name : XXXX  Date opened : XXXX XXXX These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all previous consumer credit accounts, closed accounts, collections, and hard inquiries result from identity theft and fraud.
Product: Mortgage

- In XXXX XXXX applied for loan modification of single family home. Loan was originated in XXXX XXXX and is now with Ocwen- This request was denied. Received a letter dated XXXX/XXXX/XXXX saying that they did not provide an appeal period for the denial, and wanted to provide an opportunity to do so. Paperwork was sent as requested in XXXX of XXXX. 
- Receipt of this paperwork was acknowledged in XXXX on our online account- All acknowledgements of receipt of paperwork sent have been erased from the account as of XXXX XXXX, XXXX. 
- This is the case despite multiple requests for various pieces of paperwork during the initial process and lengthy processing times. All requested items were submitted, and copies of these documents have been retained. 
- Interest rate and payment continues to go up. It is currently at 6.35 percent.
Product: Debt collection

I have an account on my credit that does not belong to me called CREDIT COLLECTION SERVICE. I have asked for a signed documentation bearing my signature and I have gotten no response.I have disputed this account with all 3 credit bureaus. I get the same pre-made letter that this account MEETS FCRA REQUIREMENTS. I have attempted to resolve this matter to remove this erroneous account and no one seems to have investigated nor validated this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have federal student loans owned by the US Dept of Education and managed by XXXX XXXX. On XX/XX/XXXX, Congress passed the CARES act providing for a temporary forbearance on federally-owned student loans ( the " pandemic pause '' ). As of today, no payments are owed until XX/XX/XXXX -- the date payments resume. 

Although no payments had been owing and due under the CARES Act, I had made some payments on my student loans during the pandemic pause. The CARES Act allowed borrowers to request refunds of any student loan payments during the pandemic pause Pursuant to the CARES act, I requested such refund. Particularly, since President Joe Biden had issued an Executive Order forgiving up to {$10000.00} of federally-owned student loan debt. 

In or around XX/XX/XXXX, XXXX marked me as having been late on 63 payments. However, no payments had been due given the CARES act. My credit score dropped over XXXX points due to falsely reporting of delinquency. Upon discovery, in XX/XX/XXXX, I immediately contacted XXXX and disputed the false reporting of delinquency given the CARES act. XXXX responded that they are marking all such accounts as delinquent as they " wait to see if this thing survives the courts ''. XXXX misunderstands the difference between the CARES Act ( which postponed payments due to the pandemic ) and Joe Biden 's student loan forgiveness program ( which purports to forgive student loan debt ). Even if Joe Biden 's student loan forgiveness were to somehow be struck by the Courts, the CARES Act is an act of Congress that postponed student loan payments. As such, I could not be delinquent on 63 payments that had not been owing and due until XX/XX/XXXX. 

In addition, XXXX 's conduct is contrary to other federal student loan services. My wife 's federal student loans are managed by XXXX XXXX, and XXXX XXXX did not mark her accounts as delinquent ( presumably because XXXX XXXX  understood and complied with the CARES act ). 

I contacted XXXX and requested that the false reporting of delinquency be immediately corrected. XXXX refused. XXXX stated, to the effect, they did not care as they had been ending their contract with the Department of Education as of XX/XX/XXXX. 

Setting aside that no payments were owed, I received no documents from XXXX addressing the alleged delinquency. If I had actually missed payments, I would have expected to recieve a letter regarding the missed payments. I suspect XXXX issued no written correspondence because they know no payments were owing and due, consistent with the CARES Act over the past two years.
Product: Credit card or prepaid card

I own an American Express card that was opened in XX/XX/XXXX. I always tried maintaining good status by making on time payments. If a month was unable to, I would call and remedy the situation.

In XX/XX/XXXX, after losing my job, I continued to make a payment in XX/XX/XXXX and XX/XX/XXXX. When XX/XX/XXXX statement came out, a payment in the amount of {$100.00} was due. I proceeded to make the payments in XX/XX/XXXX, XXXX and XXXX  under my bank account ( which is a joint account ). However, I contacted Amex numerous times since XX/XX/XXXX to let them know of my current situation and requested some sort of financial help. NOT ONE CALL was I informed that my payments were not going through.

In an attempt to mitigate my damages, I logged on to my account to find my card " cancelled ''. I contacted another rep in XX/XX/XXXX and asked about the " canceled '' status and was informed that it was because payments were not made that I am unable to use my card. HOWEVER, if I was to bring the account current the cancellation would be waived. THAT was the ONLY call that the gentleman informed me that my bank was not processing my payments and that I needed to look into it with my bank, XXXX XXXX. He informed me that he would update my account to advise that I was working with my bank to find out about the payments not being processed.

After contacting my bank, I was informed that a fraud alert was placed on my account ( husband ) and that no payments were made. I quickly called Amex and updated the with this information. I was advised that I needed to make 2 payments ( {$100.00} and {$110.00} ) within the same month to show that the payments went through. In good faith, I opened another account with XXXX XXXX and proceeded to make total payment of {$220.00} within the same month, through a new account. However, when I went to check the status of my card, my card was now closed.

I have called NUMEROUS TIMES in an attempt to have this investigated and have been received with push back. I did what was told of me, I complied and demonstrated it was wrong doing on the bank behalf and yet my card was closed as though I never tried to fix the situation.

My last conversation regarding the matter was with XXXX XXXX, who callously informed me that there was nothing that can be done for my account and that NO ONE in the company is going to do so.

I believe AMEX is acting in bad faith. As a consumer, I contacted them before things got out of hand and did my part. I complied and made the payments as agreed and furthermore, the card is up to date, with ONLY a {$1000.00} balance owed.
Product: Credit reporting or other personal consumer reports

According to my credit report ( XXXX and Equifax ), between XX/XX/year> and XX/XX/year>, XXXX XXXX XXXX XXXX  credit card balance increased by {$320.00} from {$230.00} to {$550.00}. I have contacted XXXX XXXX XXXX XXXX explaining that this card is not mine and they removed it from my credit report. However, XXXX and Equifax are still reporting it incorrectly reporting it causing an extreme hardship. 


As per XXXX XXXX XXXX XXXX, this card should be removed from my reports immediately.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently received a copy of my consumer report and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1681i ( 2 ) ( A ). They were to notify me of this in writing 5 days prior, I was not notified. In addition to the Violation above pursuant 15 USC 1681ia ( 5 ) ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general 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 ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. As the original creditor, only I can validate this debt. I do NOT validate this debt. Therefore, the following accounts must be deleted from my consumer report immediately : XXXX XXXX XXXX XXXX above Accounts are inaccurate, the character is incomplete, you are reporting a charter amount that is incomplete and inaccurate. Information on the consumer report must maintain Maximum Possible Accuracy. Accuracy means- correct in all details ; exact 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The details of the accounts are inaccurate they are not exact in details and amounts. ( XXXX XXXX Equifax XXXX you shall comply with the FCRA 15 USC 1681 YOU ARE SUPPOSED NOTIFY ME AND YOU FAILED TO DO SO!!!!!!! ( 6 ) NOTICE OF RESULTS OF REINVESTIGATION ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. DELETE THESE INACCURATE & INCOMPLETE!! ACCOUNTS FROM MY CONSUMER FILE Yours Truly XXXX XXXX
Product: Mortgage

This is my second complaint against Fay Servicing and it has gotten worse. The level of customer service has been poor and rude. I have reached out since the beginning of XX/XX/XXXX and has gotten no where. My account manger will not call me back after several voice messages being left. I have talked to other team members and same thing have gotten no where. I have recently left a voice message to the supervisor of the account manger. 
The successor in interest department is doing a terrible job in updating my account with requested documents. I was advised to send in documents proving my identity and relationship to the borrowers. I have sent my drivers license, birth certificate, a copy of the guardianship papers stating I'm the guardian over my dad ( owner of the house and on the deed ). I have sent in court documents of me having filed a motion in the foreclosure case. 
I received a letter this month ( XXXX ) asking for a death certificate for my dad. How upset I was to read and receive this letter. My dad is alive and I'm not sure why and how they got the notion my father was deceased. It leads me to believe that my account manager, the legal department, and the successor in interest department, either  doesn't care or can not comprehend legal documents. Having served guardianship papers doesn't mean my father is deceased. I was appalled to receive such a letter of request. 
I try and call in and explain and I get the same thing " Maam we  need the documents listed '' I live in the property and have since XXXX. I want to retain the property and assume the loan. Fay servicing is trying to delay and move forward with the foreclosure action set for XX/XX/XXXX. Which is unfair and disheartening, America is in a pandemic and things that were accessible through the court or online is not accessible now. I have provided everything I could and yet has access to anything or my identify proven.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion credit bureau has old incorrect information on my credit report stating that I have a negative derogatory account withXXXX XXXX XXXX XXXX. The account with XXXX is no longer in derogatory status and I do not owe the current loan amount.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of the inaccurate or unverifiable information ( A ) In general if, after any investigation under paragraph ( XXXX ) of any information disputed by 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; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file to the consumer. 

Please remove the following items from my credit report, immediately : TransUnion XXXX XXXX XXXX {$45000.00} Account Information Account Number XXXX Date Opened XX/XX/year> Open/Closed Open. 

XXXX {$2900.00} Account Information Account Number XXXX Date Opened XX/XX/year> Open/Closed Closed XXXX {$2600.00} Account Information Account Number XXXX Date Opened XX/XX/year> Open/Closed Closed XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$45000.00} Account Information Account Number XXXX Date Opened XX/XX/year> Open/Closed Open. 

XXXX XXXX {$2600.00} Account Information Account Number XXXX Date Opened XX/XX/year> Open/Closed Open. 

XXXX XXXX {$2900.00} Account Information Account Number XXXX Date Opened XX/XX/year> Open/Closed Open. 

XXXXXXXX XXXX XXXX XXXXXXXX, XXXX {$40000.00} Account Information Account Number XXXX Date Opened XX/XX/year> Open/Closed Open. 

XXXX XXXX {$2600.00} Account Information Account Number XXXX Date Opened XX/XX/year> Open/Closed Charged Off. 

XXXX XXXX {$2900.00} Account Information Account Number XXXX Date Opened XX/XX/year> Open/Closed Charged Off
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX these are two inquiry 's that I have not authorized/ made and did not give permission for XXXXXXXX XXXX XXXX to make nor pull my credit report
Product: Mortgage

53 Bank is my loan servicer. I sustained damage During Hurricane Florence and was issued a check from my insurance company. I was instructed by 53 Bank to endorse the check and send it to them. I did so two weeks ago. They are in no hurry to send me my repair money. My roof is leaking  causing more damage every time it rains. I cant get anyone from 53 Bank to  answer the phone and if and when they do the person that answers has no clue how to help me. I'm frustrated and need help. Please advise
Product: Credit reporting, credit repair services, or other personal consumer reports

The reporting agency failed to comply with the requirements under section 15 U.S. Code 1681d of the Fair Credit Reporting Act.

After signing the return receipt label via USPS acknowledging delivery of my disputed claim on XX/XX/2021, the reporting agency did NOT : Provide me with any written disclosure by mail or any form pursuant to 15 U.S. Code 1681a ( 1 ) that an investigative consumer report including information as to my character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made ; causing an investigative report to be prepared.

Give a statement informing the consumer of his right to request the additional disclosures provided for under subsection ( b ) of this section and the written summary of the rights of the consumer prepared pursuant to section 1681g ( c ) of this title.

It is NOT a fact ; pursuant to 15 U.S. Code 1681d ( 2 ) (
A ) the person has made the disclosures to the consumer required by paragraph ( 1 ) Pursuant to 15 U.S. Code 1681d ( b ) I am requesting the disclosure required by subsection ( a ) ( 1 ) no later than five days after the receipt this notice and ; make a complete and accurate disclosure of the nature and scope of the investigation requested.