23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

My husband died in XXXX. Our home loan was in his name only. Ocwen Loan Servicing LLC, required that I obtain " Letters of Administration '' to be able to speak to them about the loan. I did so. Then when I was in the process of applying for a loan modification there was a problem with one final document. My " Relationship Manager '' had mismarked an item on the document, I spoke to him and others about correcting the item to no avail. On XX/XX/XXXX Ocwen foreclosed on my home. When I learned of this in early XX/XX/XXXX I emailed every department in the company. The research department reached out to me wanting evidence of the issue I had that held up the application which, I provided to them. They then requested new documents with which to proceed with the modification, notifying me on XX/XX/XXXX " Please be informed that our records show that we received the documents on XX/XX/XXXX. Please allow 3-5 business days for the information to be reviewed to confirm we received all the necessary documents. In addition, we have referred the issue to the appropriate team who can take back the Foreclosure. '' Since that date, I have been told that my modification was " under review ''. My account page on the Ocwen website showed that the property had been foreclosed but that I was " under review '' as well. 
On XX/XX/XXXX, A gentleman knocked on my door, told me that he had bought my house, and showed me the Deed in his name. I verified it with the Assessor 's Office. So while I was " under review '', Ocwen both foreclosed and sold my home. I've contacted the Ombudsman for Ocwen and XXXX XXXX, each is looking into the matter. 
On XX/XX/XXXX I was served a 3-day Eviction Notice. I've called, left messages with Ocwen, emailed them, I've had no return contact as of yet. Tomorrow I'm meeting with XXXX XXXX XXXX hoping to fight the eviction at least long enough to get positive results from Ocwen. 
Any help you can be with this would be appreciated beyond words.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been struggling to get XXXX, Experian, and XXXX to update my personal information. I sent letters to all 3 bureaus on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All of my requests have gone ignored. This is ridiculous! I demand that my personal information be updated immediately and all addresses are deleted from my credit report. The only address that be showing is my current residence. XXXXXXXX XXXX XXXX XXXX XXXX XXXX 

Please delete : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And please delete XXXX, I do not work there for my employer. I work for XXXX.
Product: Debt collection

I purchased an all-in-one washer-dryer Combo on a Best Buy Credit Card by Citibank in XXXX of XXXX. In XXXX, it could not be delivered and was returned to the store. I have not credited back the charge of over {$2700.00} with 24 months of XXXX interest. When I finally made it to the store in XXXX XXXX  and received my credit back, I decided to shop and look for a different washer that would fit my specifications ; this ended up not being a combo washer, and was a lot less money, closer to {$900.00} ; however, I was still able to get the deal of 24 months XXXX interest financing. After I bought my washer, about 4 days later I started receiving phone calls that my bill was late. I spoke to the representative and stated I had just bought my washer and it was not yet delivered yet, how can I owe a bill? The representative did not help, I asked for a supervisor and all I was asked repeatedly was when I was going to make a {$70.00} payment. If you do the math {$70.00} a month will have my washer paid off way before the 24months and that isn't correct for a minimum payment on the new charge There should not have been a bill due until XXXX. Since then I have not received a phone call from a supervisor like I asked to review my case and correct the issue. I have received 3-5 phone calls and voicemails daily from Best Buy Citibank about my past due bill, they have also charged fees for lateness and collection. I have no problem paying for what I purchased but they need to be fair in lending practices and charges as well as the harassment of phone calls 3-5 times a day. Why are they not following the XXXX rule? They are only allowed to contact 7 times in 7 days.
Product: Bank account or service

Dear Consumer Financial Protection Bureau : I am here to file a fraudulent charge, and poor customer service claim from both " XXXX '' and Bank of America ( BOA ). On XX/XX/XXXX, I had a fraudulent charge on my bank account from XXXX in XXXX XXXX, IL. I called Bank of America that day, reporting the issue, and informed them that my debit card was compromised. In the end, a claim was put through, and it was found that the charge was fraudulent, and that I would receive credit back into my account. I officially received the credit on XX/XX/XXXX. As of XX/XX/XXXX, I received a notice in the mail from " XXXX XXXX '', saying that they disagree with the transaction, and are charging me with the same amount of the fraudulent charge. On XX/XX/XXXX. the charge will be transferred to a collection agency. 

On, XX/XX/XXXX, I called XXXX explaining the issue, and they did not listen. So, I went to Bank of America to solve the issue again. The first representative completely understood my problem, and recommended that we do a three-way call with " XXXX XXXX '' to get things in order. Once again, even with the Bank of America customer service representative explaining that XXXX is in the wrong, XXXX still refused to drop the charge. According to XXXX, they said that a grocery deliver was confirmed on the date of the charge, and that I owe them. The Bank of America representative was not happy, and decided to transfer the XXXX representative and I to the claims department of BOA. 

Once I explained my part, and the representative from XXXX explained their side, the claims department from BOA, even with the obvious evidence that XXXX is in the wrong, AGREED with XXXX, and said that I owe XXXX their money. 

To this date, XX/XX/XXXX, XXXX has sent me fraudulent evidence over an e-mail, listing the charges and the grocery bill. Yet, under the policy that XXXX has established, there needs to be evidence, when the delivery is made, that a signature from the consumer is provided to confirm the delivery. In the paperwork they sent me, my signature is NOT on the evidence. Needless to say, this is wrong, and this is financial abuse. Please let me know as soon as possible if anyone can help me. This is a very unusual situation, and like most consumers I ca n't afford to have a disruption in my finances. Please help.
Product: Mortgage

This is a complaint being filed after the denial of an assumption of a loan in XXXX as the " successors in interest ''. After the death of my father the borrower ( Estate of XXXX XXXX ) and my mother who died several years later ( XXXX ) was also denied assumptions of the mortgage. I'm now requesting assumption but was denied by all mortgage servicers, including Shellpoint. I was unable to have communication because I was not the borrower, but they had death and deed - right of tenancy of survivorship documentation. The also stated I needed to probate the property. In Florida XXXX, my father 's attorney provided the proper tool ( RECORDED DEED ) to avoid probate, especially due to my mother 's declining illness. 
All three servicers, XXXX, XXXX, and Shellpoint denied the opportunity for assumption of the loan as " successor in interest ''. It been over three years and I have not been able to be placed on the mortgage to receive loss mitigation opportunities to remain in the home even after two hurricane disasters -- Matthew and Irma. My RESPA and TILA have been violated. I have reached out to XXXX XXXX and have a case that is currently under review ( XXXX ) ; however, Shellpoint has a sale date for XX/XX/XXXX, that needs to be removed and forwarded in writing. I'm being dual tracked by all involved and forcing me to spend revenue on legal advise when it not necessary especially during the holiday season. 

The numbers in regards to the payoff of the mortgage are questionable. Huge questions in regards to legal fees, late fees, PMI, and predatory lending to the elderly. I have asked for a overview of the loans, " mortgage notes '' by all mortgage holders from the inception of the XXXX mortgage in XXXX. My father was clear about succession of the property, the transferring of deed was recorded in XXXX, several years before his " DEATH ''. And the balloon mortgages with XXXX, XXXX, and Shellpoint needs auditing before assumption. While XXXX XXXX XXXX was the original attorney used to foreclose on the loan, there have been several law firms thrown at my fathers estate, and not one servicing agency was willing to communicate with me ; ultimately coming back to foreclose without speaking or meeting with me in court -- mediation, arbitration, etc. My due process as the successors in interest to the property has been violated and criminal. The XXXX XXXX XXXX changed its name after not so great reviews with their relationship with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently got a copy of my credit file from Experian due to a inquiry that popped up on their. I have not applied credit in a long time. Who authorized someone to pull my credit file? Who allowed for them to pull my credit file when I have a Fraud Alert account? According to the FCRA, it's unlawful to provide my credit file without my approval or consent.
Product: Mortgage

On XX/XX/XXXXXXXX  I made my mortgage payment from XXXX to my servicer at the time XXXX XXXX. I was aware my mortgage was being transferred on XX/XX/XXXXXXXX  to a new company Genway Home Mortgage but I did not receive any correspondences from them at my home address. 

After the transfer Genway contacted me on XX/XX/XXXXXXXX  to tell me my mortgage payment for XXXX was late. 

On XX/XX/XXXXXXXX  I called both mortgage companies. Genway said my balance left was {$250000.00}. I contacted XXXX and they said my balance left was {$250000.00} and thats what they transferred to Genway. There seems to be a disconnect somewhere in the transfer process and I do not want to wait until the last minute and my credit is hit with a late payment. I've just purchased the home in XX/XX/XXXX and have made my two payments required of me on time.
Product: Credit reporting or other personal consumer reports

Dear I am writing to dispute inaccurate information regarding a charge-off account listed on my credit report. I have found multiple inconsistencies in the information reported by the XXXX credit bureaus, and I request an investigation and correction of these discrepancies. 
*Disputed Account Information : * - Creditor : XXXX  - Account Number : [ XXXX ) Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. I request that you investigate these discrepancies and correct any inaccuracies. Please contact the original creditor to verify the correct information. Right to Accurate Information ( FCRA Section 609 ) : Under Section 609 ( 15 U.S.C. 1681g ), I have the right to obtain and dispute the completeness and accuracy of the information in my credit report. I request that you investigate and verify the accuracy of the reported charge-off. If the information can not be verified, it must be removed. Reinvestigation of Disputed Information ( FCRA Section 1681i ) : Under Section 611 ( 15 U.S.C. 1681i ), I have the right to request a reinvestigation of any information I believe to be incorrect or inaccurate on my credit report. I demand that you review and correct this information immediately.Removal of Inaccurate/Invalidated Credit Information ( 15 U.S. Code 1681i ( 5 ) ) : As per Section 611 ( 5 ) of the FCRA, if, after a reinvestigation of any information disputed by a consumer, an item of information is found to be inaccurate or can not be verified, the consumer reporting agency shall promptly delete such information from the consumers file. 
Responsibilities of Information Providers ( FCRA Section 1681s-2 ) : Under Section 623 ( 15 U.S.C. 1681s-2 ), information providers must ensure the accuracy and completeness of the information reported. The inclusion of this incorrect charge-off information represents a clear violation of this section.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. 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 inquiries reporting on my Credit Report : XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a Consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these.

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I placed an order on amazon using a XXXX XXXX XXXX. However, amazon changed my payment method to my amazon credit card without notifying me. They claimed my original payment method failed and they used my amazon card as a backup. However, I never consented to having my amazon card be used as a backup and they never notified me that my original payment method failed. I suspect they are automatically selecting the amazon card and charging it without notification so they can make extra money from the interest rate. This is not legal.
Product: Checking or savings account

XX/XX/year> - I tried to use my citi debit card for some purchases and they were denied. I called the citi fraud protection number and they verified my info and said that my card should be good to go. I tried again and it got denied again then i called the fraud line again and they said that my account is under review and they should gret back in touch within XXXX hours. A couple hours later I tried to login to my checking account via citi mobile app and my account was closed. I called the citi fraud protection line again and they said that they decided to end our relationship and that they will review the account and send a check with whatever balance was left in 60 days. I asked for explanation why and they gave me no answer. I asked to talk to a supervisor and they said no and hung up on me. I called the Citi executive response unit number and they were much nicer and gave me a case number for my inquiry XXXX. I just want my account reopened so I can get my cash out and be done with it.
Product: Mortgage

Quicken Loans DBA Rocket Mortgage NMLS ID : XXXX lists a 15 year conventional mortgage rate of 3.25 % with 2 points. 

Description https : //www.quickenloans.com/XXXX XXXX5-Year Fixed-Rate Mortgage : The payment on a {$200000.00} 15-year Fixed-Rate Loan at 3.25 % and 75.00 % loan-to-value ( LTV ) is {$1400.00} with 2 points due at closing. The Annual Percentage Rate ( APR ) is  3.704 %. Payment does not include taxes and insurance premiums. The actual payment amount will be greater. Some state and county maximum loan amount restrictions may apply. 


On Monday XX/XX/XXXX Rocket mortgage ran a cyber Monday promotion with the following details : *Client will receive an additional XXXX discount points. Offer is valid on Rocket Mortgage applications received between XXXX ET and XXXX ET on XX/XX/XXXX. This offer is only available to clients who complete the " Lock My Interest Rate '' step of the application process on the Rocket Mortgage website. Applies to refinance loans in the amount of {$100000.00} or greater only. Offer does not apply to jumbo loans. Additional restrictions/conditions may apply. Not valid with any other discount or promotion. 


Upon completing their application I was not offered the discounted rate.
Product: Mortgage

Investors Bank marked me as 30 days late on my mortgage in XXXX 2020 when Governor XXXX said that people who live in New Jersey will not be reported as late on our credit report for 90 days. I was affected by COVID-19 because I own a hair salon and was not considered an essential business. As a result, I lost a lot of revenue and was not able to make my mortgage payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent them letters to both the credit bureaus and the collection agency trying to collect on the debt letting them know that the amount that the original creditor is claiming is incorrect due to the fact that the damages they are claiming that I owe were caused by Hurricane Isaac in 2012.

The damages that they are claiming that I owe were caused by Hurricane Isaac and that amount should be paid by the owner of the property or they should of filed a claim with their insurance company not try to get me to pay for damages that were caused by a natural disaster.
Product: Credit card

I have been a loyal customer since the XXXX. I wrote to the company in XX/XX/XXXX to request extension of my interest free credit card promotion. I spoke with an agent named XXXX XXXX She said she would research the matter and follow up with me or have the correct department to follow up with me. I returned her call and left a voice message. To date I never received a follow up call from her. She told me that perhaps it was too early to consider the extension. XXXX contacted me on XX/XX/XXXX. He said he would investigate. He called today and said he could not honor my request. This is somewhat inconsistent from what XXXX mentioned to me. I do not feel valued as a loyal customer as Im only asking for an extension of the interest rate for promotion for a short period of time.
Product: Credit reporting or other personal consumer reports

Remove these inquiries, as I'm unaware of them and they were conducted without my consent by the company.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report with Experian. I noticed inquiries on my credit report that i did not authorize, that are no connected to any account on my credit report by the following banks. XXXX XXXX XXXX inquiry date XXXX. XXXXXXXX XXXX XXXX inquiry date XXXXXXXX XXXX XXXX inquiry date XXXX XXXX. XXXX. XXXX XXXX inquiry date XXXX. XXXX XXXX XXXXXXXX inquiry date XXXX XXXX. XXXX. According to 15 USC 6802 ( a ) A financial institution shall not disclose to other agency an account number similar form of access code or transaction of consumer. According to 15 USC 1681 ( b ) I did not give written consent no instructions for any inquiries to be allowed to report to Experian Credit Bureau. Please verify all in written letter. According to 18 USC 2028 ( a ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has committed Aggravated Identity Theft which is a crime according to 18 USC 2028. Please remove all inquiries on my credit Report with Experian
Product: Checking or savings account

I can not access my account so i made a call on XX/XX/XXXX to Citibank customer service, it turns out my account is being flagged for fraud. I called Citibank fraud department, they said the only way to remove the fraud is to wait for a letter in the mail that could take 7 to 10 business days to receive. XXXX week passed, I haven't received the mail so I made another call to fraud department to check, I got the same response which is to wait for the letter in mail which they will resend. Another week passed, I still haven't received the letter, I called again on XXXX, they told me the letter was sent XXXX, I need to wait for at least XXXX business day before I follow up with fraud department, or I can stop by XXXX XXXX myself to track the mail which they don't even provide me with any information such as tracking number to check with XXXX XXXX staff. I called again on XX/XX/XXXX and asked them to help investigate why the letter is not received, they just kept saying they can not do anything but to resend the letter again. It has been XXXX weeks since I reported this issue to Citibank and several calls been made to follow up. Now I have several bills overdue and I am still not able to access my account while Citibank fraud department keeps asking me to wait for the letter without knowing why the letters wasn't delivered, it's the XXXX letter they are sending
Product: Checking or savings account

I have had several transportation disputes and the majority of my claims were correct and I was compensated buy Wells Fargo. When on XXXX I received a call from Wells Fargo stating that to protect the account they were suspending my debit card privileges for a year. I find that to be a punishment for something that is not my fault.i should not have my rights and privileges taken away from me for others mistakes and Wells Fargo should not take away my card privileges as I have several accounts that only have debit services online.