23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Contacted Reverse Mortgage Funding LLC regarding paying off my reverse mortgage, first by phone on XX/XX/XXXX, then by online submission of their payoff request form also on XX/XX/XXXX. Heard nothing so I followed up on XX/XX/XXXX by phone. Was told it had been emailed on XX/XX/XXXX, though nothing from them was ever received including in junk mail. Company emailed me the payoff quote on XX/XX/XXXX at XXXX XXXX. During the phone call on the XXXX, I asked how to keep the account open. They said to underpay by {$50.00} which would keep the line of credit open. So following their instructions I paid {$50.00} less than the full payoff quote and labeled my payment as a partial loan repayment. I paid {$220000.00} on XX/XX/XXXX by wire transfer. The mortgage company accepted the wire and in my account online the payment was recorded as a full payoff on Tuesday, XX/XX/XXXX. Obviously even though I underpaid by {$50.00} as instructed, the amount wired was adequate to pay the balance including interest and MIP prorated through XX/XX/XXXX. A refund of approx. {$400.00} would have been due as the amount submitted was an overpayment above the prorated figures. 

Thought we were all taken care of and decided to not worry about keeping the line open. Then on XX/XX/XXXX at XXXX PDT, I get a phone call from my bank ( XXXX XXXX  ) saying the wire transfer had been returned " at my request ''. I had not communicated with Reverse Mortgage Funding LLC since XX/XX/XXXX and the " at my request '' wire return is absurd and never happened. Since when do mortgage companies return loan payments " at your request ''? 

When I returned to my reverse mortgage online account on Friday, XX/XX/XXXX after the bank 's phone call, there was no repayment transaction listed and no wire return transaction listed either. In other words it was like none of this happened though my bank records clearly indicate both transactions occurred. 

I sent email to bc@reversedepartment.com ( their customer service email ) on Friday, XX/XX/XXXX and received an auto reply they had received my email. In the email, I denied asking for any funds back and that I expected there would be resolution today, Monday, XX/XX/XXXX, by reinstating the payoff as of XX/XX/XXXX meaning no more interest or MIP after that date and that the refund due on that date should be processed immediately. 

The three times I had spoken to Reverse Mortgage Funding LLC customer service prior to the wire transfer, it took being on hold for over 60 minutes each time, and when finally connected, the reps were seemingly ignorant on how to make a wire transfer payment even though the directions did come with the payoff quote. Stating they have abysmal customer service, poor business practices, and make communicating difficult at best would be too kind.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX  - Account Number XXXX XXXX Account Name : XXXX XXXX - Account Number XXXX XXXX Account Name : XXXX- Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Unauthorized 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 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 XXXXXX/XX/XXXX
Product: Credit card

Letter were send to company and via CFPB regarding violation of FCRA and USC. 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 15 U.S.C 1681c.
Product: Debt collection

Bank of America has been notified on more than 1 occasion that the debt they claim I owe was from Identity theft. Their story has continually changed over the course of a year and yet they refused to do anything about this. Well I have been looking at US codes and I have found a code Bank of America should be prosecuted under, Title 18 Part 1 Chapter 42 EXTORTIONATE CREDIT TRANSACTIONS. Under this code, it states that forcing someone to pay a debt by threatening their physical well being or personal reputation is a violation of criminal law. The CFPB should already have copies of my evidence that numbers in the 300 separate documents range, that Bank of America is in violation of this criminal law by using extortion and ruining my credit to try and force me to pay a debt that is not mine, forcing me to pay higher interest rates on lines of credit I have been able to receive. I demand the CFPB force Bank of America to answer for this crime or I will contact my elected officials, what is the point of having a CFPB if they only advocate for companies. I also want to add that any information Bank of America has provided has had information purposefully left out and the bank has refused to release any audio recordings of my phone conversations with them.
Product: Debt collection

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account due to me being a victim of identity theft. This account is hurting my ability to obtain credit and housing for XXXX XXXX It is my understanding that you will investigate these items for me to ensure accuracy and removal this debt, Here is the item I am asking you to remove : I.C System, INC XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, XXXX, XXXX of XXXX after phone conversations with XXXX  XXXX and XXXX XXXX   they informed me the court dates scheduled in months above to collect debt would be canceled, allowing me time to resolve the debt. I contacted XXXX District Court who confirmed dates were canceled by creditors, I was not required to appear. However, XXXX XXXX ( in XXXX and XX/XX/XXXX ) and XXXX XXXX. ( in XX/XX/XXXX ) did appear in court on these dates and received default judgements, since I was not in appearance. I did not have knowledge of the judgements until XXXX, they appeared on my credit reports. 
I contacted XXXX, XXXX, Trans Union in XXXX to inform them, the judgements disappeared from, annual credit report and the credit monitoring service I pay directly to XXXX, XXXX, Trans Union. These judgments still do not appear on any report I have access to. However, I applied for a mortgage in XX/XX/XXXX and XX/XX/XXXX, and was shocked and blindsided to learn these judgements were reported to this lender and on my credit reports the lender obtained from all 3 agencies. They reported the judgements I was led to believe were deleted. 
I pay XXXX, XXXX and Trans Union {$19.00} a month each and have been for years to monitor my credit for correct and accurate information, instead I ; m being provided reports excluding judgements, believing they were deleted from my credit, They report these excluded judgements to 3rd parties without my knowledge, since judgements have been wiped from the reports they provide directly to me I pay them for, they collect their monthly fees from me and provide me with false information.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA, XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, GA, XXXX XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$860.00} XXXX XXXX XXXX  XXXX Balance : {$640.00} XXXX XXXX XXXX XXXX Balance : {$430.00} GRAIN XXXX XXXX  XXXX Balance : {$990.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$860.00} XXXX XXXX XXXXXXXX Balance : {$640.00} XXXX XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$860.00} XXXX XXXX XXXXXXXX Balance : {$640.00XXXX XXXX XXXX  XXXX Balance : {$430.00} XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 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 XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE FILED DISPUTE IN REGARDS TO INCORRECT ITEMS ON MY CREDIT REPORT.ITS BEEN WELL OVER 30 DAYS AND I HAVEN'T RECEIVED ANY INVESTIGATION RESULTS.
Product: Vehicle loan or lease

I Consumer Wright entered into a consumer credit transaction with XXXX of XXXX XXXX on XX/XX/2020. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but XXXX of XXXX XXXX took cash. The Finance charge is supposed to include insurance, but XXXX of XXXX XXXX made me purchase insurance separately. 

It is Fact that pursuant to 12 CFR 1026.23 ( b ) ( 1 ) In a transaction subject to rescission, a creditor shall deliver two copies of the notice of the right to rescind to each consumer entitled to rescind ( one copy to each if the notice is delivered in electronic form in accordance with the consumer consent and other applicable provisions of the E-sign Act ). The notice shall be on a separate document that identifies the transaction and shall clearly and conspicuously disclose the following : ( i ) The retention or acquisition of a security interest in the consumers principal dwelling.

( ii ) The consumers right to rescind the transaction.

( iii ) How to exercise the right to rescind, with a form for that purpose, designing the address of the creditors place of business. 

( iv ) The effects of rescission, as described in paragraph ( d ) of this section. 

( v ) The date the recission period expires. 

TAKE NOTE : I never received a delivery in the mailing or electric form with my consent informing me of my right of rescission pursuant to 12 CFR 1026.23 ( b ) ( 1 ). If so, can you tell me when you faxed it? Or if you mailed it, can you tell me the tracking number to the package please? If not, that is a clear exhibit that my consumer rights have been violated, and Ive been damaged. Pursuant to 12 CFR 1026.23 ( a ) ( 3 ) If the required notice or material disclosures are not delivered, the right to rescind shall expire 3 years after consummation, upon transfer of all of the consumers interest in the property, or upon sale of the property, whichever occurs first.

Fact, according to 15 USC 1602 ( I ) in relations to a Credit Sale, The adjective consumer characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person ( myself ), and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes.

It is a Fact, that I am the consumer and have now given your company a Notice of the Right to Rescind and under 12 CFR 1026.23 ( d ) ( 2 ) it states that 20 calendar days after receipt of a notice of rescission, the creditor shall return any money or property that has been given to anyone in connection with the transaction and shall take any action necessary to reflect the termination of the security interest
Product: Credit card or prepaid card

I have used my PNC Smart access card for years, they have put XXXX dollar worth of fees on my card they used to charge between XXXX cent XXXX cent for foreign transactions but recently they have charged me XXXX to XXXX cents every transaction, They blame the merchant and the merchant blames them considering the fees were taking from my account its PNC who is doing this. I think it is robbery to charge someone fees every time they use their card. I already pay a fee to have the card every month. I have reported them to the XXXX   now I am telling you. PNC does not care about their customers and even if they do charge fees this is during COVID 19 they really shoudnt be charging customers any fees during this time if they had any human compassion!!
Product: Credit card

My account went in to collections and was sent by American Express to a law firm. I contacted them on XX/XX/year> XXXX XXXX XXXX XXXX ) and established a settlement agreement with them where I would pay 12 payments of {$1200.00}. I set up my first payment the day of the agreement on XX/XX/year> and it was taken out of my checking account as agreed. I asked to set these payments up automatically and was told they had to send that request in writing and then I would complete the form and send it back. I then waited over a week for the settlement agreement to arrive as well as the payment agreement form. I never received either of these items so then called back on XXXX the XXXX. I asked for these documents to be emailed to me since I still have not received them. The representative said they could only fax them so I provided a fax number. The representative told me it would take 2-3 hours to get to me. I waited over two days and the fax has still not come to me. 

This creditor/law firm is making it difficult for me to pay. They are also proceeding with a lawsuit despite my settlement agreement which I'm not sure if that is legal or not, I will take that up with my attorney and the court on the court date that is given to me.
Product: Credit reporting or other personal consumer reports

I am formally contesting any unverified or undocumented information in my credit report, in accordance with the FCRA and metro 2 reporting standard. Unsubstantiated claims and false allegations are unacceptable. Ensure accurate and lawful reporting. Provide physical evidence or remove erroneous claims. Mail documentation and updated credit report.
Product: Checking or savings account

I opened a checking account with Citi in XX/XX/2023. The reason I signed up was because I am a XXXX male. Citi claims they are the bank for XXXX- people according to their advertising. 

I deposited 2 checks from the IRS on XX/XX/2023. One for {$430.00} and another one for {$1100.00}. 

I received communication from Citi that they had " confidential '' information that I was doing check fraud because the deposit would not be accepted. The money was held but released when the check cleared. 

I inquired about this " confidential '' information. I asked the representative and they had no answer. I am not sure what Psychic or Fortune Teller service Citi uses for these false claims. 

Then in the future, Citi gave me problems with Credit Card Fraud on my Credit Cards. 
Citi even closed some of them. I noticed today XX/XX/2023 that one of them was closed without any communication. 

I have never had a bank that functions like Citi does and makes false allegations against their customers.
Product: Debt collection

I owe no debt to anyone except my home finance company & automobile finance company. This number ( and many others with the XXXX ) calls constantly, then hangs up. If I didn't already have at least 10 or more scam/spam/phishing calls and texts a day, I'd just continue marking their numbers as such ( with HIYA ) ... this is astronomical though.
Product: Credit reporting or other personal consumer reports

Im disputing first progress account number XXXX, late payments of XXXX, XXXX and XXXX. I asked for documents stating that first progress mailed the due dates to me 21 days before each due date of XXXX, XXXX and XXXX. XXXX not disputing that I didn't pay the bill on time or didn't pay at all. I'm disputing that first progress violated US 15 1666b by not mailing each due date to me 21 days before each due date of months XXXX XXXX and XXXX. I ask that you request the documents of proof that they didn't violate the consumer law 1666b by sending me proof that I was mailed the due dates 21 days before each month of XXXX, XXXX and XXXX and if not I want my late payments updated to paid on time on XXXX, Equifax and XXXX of months XXXX, XXXX and XXXX. I would like a copy of the statements proofing that I was mailed a statement 21 days before the due dates of months XXXX, XXXX and XXXX. This is consumer law that the company mails out due date statements 21 days before each due date and no later. Once again I'm not arguing or disputing that I didn't pay on time or didn't pay at all. I'm disputing did the company violate consumer law 1666b by not mailing documents to me 21 days before the due dates of XXXX, XXXX and XXXX. I need proof shown.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters off to each bureau on XX/XX/2022. Here are my tracking numbers : # XXXX, # XXXX, # XXXX. I sent these to remove personal information that does not belong on my credit report. According to the fair credit reporting act 15 USC 1681, I have the right to privacy. Also according to 15 USC 6802, No financial institution should share my information to third party entities or individuals.

These are clear violation of my federally protected consumer rights.
Product: Credit reporting or other personal consumer reports

I submitted a complaint through CFPB on XX/XX/2024. I received a response from Sun West Mortgage Company but I disagree with their final decision. As stated by CFPB through the website, " While there isn't a single law explicitly protecting a consumer in this exact situation, the Consumer Financial Protection Bureau ( CFPB ) regulations and the Fair Credit Reporting Act ( FCRA ) could potentially provide some legal recourse if a mortgage company reports missed payments to credit bureaus even after you've applied for and been approved for a mortgage assistance program and notified them of your job-related injury causing the missed payments. '' After the injury I suffered on my work site, I took all the necessary steps with Sun West Mortgage Company to ensure my credit score would not be impacted. I applied for the mortgage assistance program, and I was approved. It was not confirmed that my credit score would be affected. It is said that Sun West Mortgage Company should aid me in this situation because it is not my fault pertaining to CFPB policy. Additionally, I have paid off the balance entirely and submitted my most recent loan payment. I do not believe my credit report should be impacted. I would like to know if I could be provided legal recourse from CFPB to help me with resolving the issue. I have been a borrower for over seven years and have never missed a payment.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I attempted to dispute an incorrect charge-off from XXXX ( XXXX ) on my Experian credit report, but Experian is preventing me from submitting a dispute. The charge-off is being reported incorrectly, as it continues to show a past-due balance and new charge-off updates every month, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

Under FCRA guidelines, once an account is charged off, it can not continue to be reported as past due. Since Experian is blocking my ability to dispute this, I am filing this complaint to request that they accept my dispute and properly investigate the inaccurate reporting.
Product: Credit card or prepaid card

I have been with american express for years. on tues of this week i called to ask about point redemption for my every day card was told i could get a statement credit. whichis what i want. I called on Wed was told this was not right that i do not have a qualifying purchase. She did not explain. i got disconnected i called back. this is all my time. Today i am told i can only get a gift card. this is after the CS rep tells me i do not have enough points to do anything which was incorrect. Bottom line my time is wasted and i am more confused than before. its not worth using this card then so many different answers. being disconnected and then i still have nothing. please do something for my time lost and confusion caused you would want if you were me. but over ; all the promo program is not beneficial to me
Product: Mortgage

XX/XX/16 : received a bill in the mail for my real estate property taxes, half 1, in the amount if {$1000.00}. I have been paying into my mortgage with VHDA from my monthly payments and so my property taxes are supposed to be paid by my lender. By me getting this bill, I can only assume they have not paid them for 2021 year. This lender has been paying my property tax for the past two years. I have not changed lenders, I have not refinanced my house, nothing has changed except I switched insurance companies for my house. I do not understand why I am getting this bill when I have not received one before. They have always been paid by my lender.
Product: Credit reporting

An old student loan account from XXXX is still reporting negative remarks on my experiean credit report. XXXX indicated that they were going to remove the negative reporting however when I reviewed my credit report they are reporting me a 180 days late. ACS no longer has my student loan account. Those loans have been rehab and no longer in default status. XXXX is in violation of FCRA.