23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage is in a Forbearance plan that is scheduled to end on XX/XX/2022. My understanding is that when there is a forbearance plan in place, the account is not considered delinquent nor is it reported to the credit agencies. I received a letter from my lender, Specialized Loan Servicing, stating that my account is delinquent. I sent them a Notice of Error letter but their response didnt address my concerns.
Product: Credit reporting or other personal consumer reports

I have been unable to view my Equifax credit report or file a dispute due to seeing inaccurate information on my account. Equifax is refusing to give me access to my credit report since XXXXXXXX XXXX XXXX  and my credit score since XXXXXXXX XXXX XXXX When I contacted them they told my I would have to mail a copy of ID, social security card and proof of address to unlock my account even though I am already a victim of Identity Theft. They told me a secured portal upload or email was not an option and US mail is not secure.
Product: Credit reporting

Hello, I filed bankruptcy in 2015 and reaffirmed my mortgage through my attorney with XXXX XXXX and it was filed in the federal court on XXXX/XXXX/15. I was just made aware that the Mortgage Company has not been reporting and never re-affirmed the mortgage, due to this my credit has declined, I have received higher interest rates for my auto loans as well as I have been denied credit on several occasions. I now have several inquiries on my credit that is impacting the score, my credit worthiness is XXXX. The mortgage company stated that they will mail me a letter of correction but I do not know where to go from here to reestablish myself due to their oversight.
Product: Credit card

I was approved for the Macy 's store credit card in XXXX, 2015. Two weeks later I applied for the Macy 's American Express credit card and was approved. On XXXX XXXX, 2015 I received a letter from Macy 's providing the pin number for the American Express card. I immediately called Macys and informed them that I still have n't received the credit card. I was advised that the card would be closed down and a new one would be sent. I called them back on XXXX/XXXX/15 and informed them that I still have n't received the credit card. Was told once again that a new replacement card would be sent out. On XXXX/XXXX/2015. Still no Macy 's American Express credit card. When I called them on XXXX/XXXX/2015 I was told due to all the issues of not receiving the card that they would overnight it to me free of charge. On XXXX/XXXX/2015 I received the so called overnighted card. Not only was it not overnighted as I was promised, it was a replacement store credit card. I never requested a replacement store credit card. I never advised Macy 's that my store card was ever lost or stolen. So why was I even sent a store card to begin with. As of XXXX/XXXX/2015 I still have n't received the Macy ' American Express credit card that I was approved for over 2 months ago. They cant claim address problem. I did receive the letter containing the pin number. Even after I moved I purchased a {$1100.00} mattress set within the last 2 weeks which was delivered to my new home address they now have on file. Their customer service department is just completely terrible.
Product: Credit card or prepaid card

I logged into my account today ( XX/XX/2021 ) and noticed Chase had closed my credit card account. I called customer service and was told I would receive a letter, but they did not have any information available as to why the account was closed. I always paid off the card, Im wondering if they closed it because they were paying out too much in rewards. They should have called if they were closing the account, it would have been very embarrassing to try to use the card and have it declined.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> my Apple cash account was locked due to it not abiding apples terms and conditions. They have yet to explain the honest reason why it was locked because what was given as an explanation it was not a formidable reason once so ever. I currently have {$1500.00} permanently locked on there. It was not a suspected fraud case because it came from the same card Ive had on Apple pay for the last 2-3 years. I would greatly appreciate some assistance in getting my account unlocked because the money I use on Apple pay is strictly for my bills and without it I am in jeopardy of facing late bills and maybe even eviction. 

Thank you.
Product: Mortgage

On XX/XX/XXXX, we received our mortgage statement for XX/XX/XXXX and noticed that our mortgage payment increased from {$4000.00} to {$4300.00}. When we inquiered about the increase we were told that our flood insurance had lapsed and that there was a force-placed insurance policy. 

We secured a one-year policy and submitted the information to United Wholesale Mortgage XXXX as directed. 

Seeing that our mortgage payment was not adjusted back to the original amount we called United Wholesale Mortgage on XX/XX/XXXX ( on a recorded line where the representative was rather rude ) it was explained that the policy had lapsed in XX/XX/XXXX. We closed on our mortgage on XX/XX/XXXX. 

On that phone conversation, we expressed that we were never notified of any issues with our insurance, ever. We requested that the representative send us copies of any notices or letters that had been send to us, and we also requested full information on the policy that was force-placed : who the company was, when the policy went into effect, etc. 

Today is XX/XX/XXXX and we have yet to receive any information. 

We dug through our online account dashboard, through all the notices and statements and information, and found nothing regarding and lapsed policies or information on a force-policy. 

We have since been very patient, giving this company enough information and ample time to review and look into this, even suggesting that the matter be escalated, but we have gotten no responses relevant to our inquiries. 

We have had a couple of phone conversations with United Wholesale Mortgage on what they keep reminding us are on a recorded line, where we request that proof of notices be sent to us, and have seen nothing to date. 

We are filing this complaint due to of the policy that was force placed on our account, because we were never notified of a lapse or any issues with our account and we are disputing the following disbursements that were made from our Escrow account : XX/XX/XXXX : - {$1200.00} XX/XX/XXXX : - {$300.00} XX/XX/XXXX : - {$300.00} XX/XX/XXXX : - {$300.00} XX/XX/XXXX : - {$300.00} I will attached the written request communications as of XX/XX/XXXX, but again, there are phone conversations that happened previous to these.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint just the other day and the companies response is the same as it has been since I started this. They keep telling me to contact the " client '' which is XXXX XXXX. XXXX XXXX   sent me a packet which I filled out and mailed back as well as faxed over to them back in XXXX. This is completely unacceptable response. XXXX XXXX needs to get their stuff together and organized and this company needs to remove this false information off of my report immediately. I have kept records of all the information and letters I have sent and ready to file legal action if it is not removed promptly. I've attached the fax I sent as well as the previous complaint response below : Company responded on XX/XX/2020 RESPONSE TYPE Closed with explanation Company 's Response NRA Group , LLC has received this complaint. The consumer was advised to fill out the dispute packet and mail it back to the client. We provided them with this packet and billing on XX/XX/2020. The consumer will need to fill out what we sent them, follow the instructions and mail back to the client. Per the client the {$90.00} is owed.
Product: Credit reporting or other personal consumer reports

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX  Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXXXX/XX/XXXX Collection/Charge Off : XXXX XXXX XXXXXX/XX/XXXX {$530.00} Late Payment : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

XXXX from cbhv called about a medical debt I believed was paid last year by to another debt collection agency or to health quest directly. I asked her to return it as a dispute and she said she isn't going to do anything basically insinuating I was a dead beat she said obviously your not doing anything about this I again requested a dispute she again insulted me and hung up
Product: Debt collection

We received a letter from Velo Law advising : notice of a debt in the amount of {$4800.00} owed to has been placed with this office for collection. 

The notice does not say who is owed, what, when or where. The notice gives a file number, so we tried calling Velo Law to see who this debt is owed to. I was transferred three times. Each of the representatives tried getting personal information from me ; last 4 digits of SS # in order to access my file. I said, you shouldn't have a file on me, so I don't know how that can help. Which would prompt another transfer. When asked where I worked, I said US Courts. With that I was transferred again, this time the call was disconnected. When I tried calling back, no answer. 

I don't know what this could possible be for? I was the victim of an online scam a few years ago. We reported the person to the Michigan AG 's office, possibly this is a result of that? We also reported them to SD and Wyoming AG as we saw several other complaints about this person. Regardless, who in their right mind would fork over {$4800.00} not knowing what it was for. Reported this letter to our SD Attorney General and thought wise to report to FTC as a senior citizen could easily fall victim to something like this.
Product: Payday loan, title loan, or personal loan

I reached out to the company about paying off the balance in XXXX. My Balance at the time was XXXX dollars. I was told I could not pay the balance off because of legal fees. However, I have not been delinquent with this account since 2016. In XXXX my credit report notified me that XXXX increased my balance by XXXX. They added this amount with out me taking out another loan. I fear that this company is trying to keep me in debt to them. This was a 6 year loan and this is the sixth year. Please Help me!
Product: Debt collection

I mailed them a certified request for accounting over 30 days ago and they did not provide the requested info
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 debt bondage, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you 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 XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX account number XXXX balance {$5000.00} XXXX XXXX account number XXXX balance {$7000.00} XXXX XXXX XXXX account numberXXXX Balance {$3000.00} XXXX XXXX XXXX account number XXXX balance {$2500.00} XXXX XXXX account number XXXX balance {$1000.00} XXXX XXXXXXXX XXXX XXXX account number XXXX balance {$600.00} XXXX XXXX XXXXXXXX XXXX account number XXXX balance {$750.00} XXXXXXXX XXXX XXXXXXXX account number XXXX balance {$750.00} XXXX XXXX XXXX account number XXXX balance {$1000.00}
Product: Credit card or prepaid card

I have had a XXXX XXXX membership charged to my business credit card monthly since XXXX. I did not signup for this membership. I have contacted XXXX four times. They say they will investigate but then I dont get a response. Lastly, they said they could the the charge to my card each month but couldnt find an account linked to charge and told me to contact XXXX to credit back and stop future charges. I have called XXXX 5 times and thoroughly explained the fraudulent charges. Two weeks ago they assured me all charges would be removed. But, charges are not credited and I have another monthly charge in this statement. Now XXXX  tells me XXXX has to fix. They each say the other has to fix. BUT NO ONE IS CORRECTING THIS AND IM BEING CHARGED!
Product: Credit reporting or other personal consumer reports

I sent a letter to Equifax, XXXX, and XXXX on XX/XX/2023 its been over 30 days. I still haven't received anything back. According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, XXXX, and Equifax have 30 days to respond to my dispute. This is a violation of my rights.
Product: Credit card or prepaid card

I Opened an Amazon Credit Card account and received the card. Problem is Amazon tacked on an unauthorized {$14.00} Prime Membership fee which I did not request. I called them and requested this be removed and they promised to do so. They asked that I call back in once again but honestly, since I already spent almost 2 hours on the phone with them, I see no reason to call team again. I need a refund as soon as possible and for them to reduce my balance accordingly. I never received the Prime Membership either so they are stealing. Thank You, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of Ed/Nelnet XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX and Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX Please correct these accounts immediately.
Product: Credit card

I am writing to file a complaint regarding Bank of America 's handling of a fraud claim related to my credit card. Below are the details of my case : On XX/XX/, 2024, while traveling in XXXX XXXX, CA, my phone and wallet were stolen. Upon realizing this, I immediately contacted Bank of America to request that my card be locked to prevent unauthorized use. Unfortunately, since my phone was stolen, I was unable to authenticate my identity, and the bank did not lock my card despite my urgent request. 

On XX/XX/, 2024, I visited a Bank of America XXXX XXXX to report the theft in person. A fraud claim was opened on XX/XX/, 2024, for {$760.00} in unauthorized charges. A temporary credit was issued at that time. 

However, on XX/XX/, 2024, Bank of America sent me a letter stating that my claim was denied, and the temporary credit was removed. Shortly afterward, on XX/XX/ 2024, I received another letter indicating a new temporary credit of {$690.00} had been issued. I assumed this amount reflected the charges they verified as fraudulent and accepted that approximately {$66.00} would remain unresolved. 

Despite this notification, I never received the {$690.00} credit in my account. On XX/XX/ 2024, I submitted an appeal, believing the delay might be due to processing time. However, the appeal was never acknowledged on the mobile app, and I received no correspondence or updates about the status of my case. 

I am deeply frustrated by Bank of America 's failure to lock my card promptly, their inconsistent communication regarding the fraud claim, and their failure to issue the promised temporary credit. These actionsor lack thereofhave caused unnecessary financial stress and eroded my trust in the bank 's ability to safeguard my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report and I saw that my credit score is low. Why you put this information on my account. I dont know anything about it! Im sure someone used my personal information and applied for this
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles ' handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle have failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 16815-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Broadview Mortgage company is sending me unsolicited mail encouraging me to refinance one of my properties. I have never done any business with this corporation or any of its affiliates, so I should not be receiving this mail since I never requested their services. The envelop they sent it in does not include any sender address information and the outer face of the envelope states " Notice of Overpayment '' leading me to open the letter because I thought it was about one of my bills. Only when I opened the letter did I realize that this was in fact an unsolicited advertisement. The disclaimer in the letter included an expired CA DBO number ( # XXXX ) so I had to do my own research to get their current and active number ( CA DBO # XXXX & XXXX # XXXX ) and address information. 

I tried to tell the customer service at the provided telephone number in the letter XXXX to completely remove me from their marketing and mailing list, but the representative refused and hung up on me. 

I do n't wish to do any business with this company that engages in such sleazy marketing practices so I request that they stop sending me any more mail or marketing materials.
Product: Credit reporting or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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: Credit reporting or other personal consumer reports

This complaint is not sent in error. My credit report has some false and not 100 % accurate Information. This inaccurate information is causing undue stress and is affecting me negatively. I have a collection account from XXXXXXXX XXXX that was sent to XXXX XXXX XXXX and This is a fraudulent account that needs to be removed.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX Balanced {$0.00} XXXX XXXX  XXXX Balanced {$1900.00} XXXX XXXX Balanced {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Chex Systems is refusing to unfreeze my report for employment background check which means they may refuse to hire me. I need a copy of my report ASAP.