23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I went through XXXX & back trying to access a mortgage account with Bank of America for a beach cottage I purchased in XXXX  over 20 years ago. When I remarried my husband of 1 yr decided we should refinance both our properties. I trusted him so did not scour the papers I signed including adding him to the deed. It turns out he refinanced it for {$21000.00} more than I owed & removed my name from the loan which I learned XX/XX/XXXX when I tried to access the account. Because I was removed from the loan, BofA refused to give me access to the account without his authorization during the divorce process which apparently he never set-up. I finally got access to the account after months of begging & found all sorts of stuff. 
Our divorce was finalized XX/XX/XXXX and a legally binding settlement agreement reached which was signed by both parties and the judge in XXXX where I lived during my marriage. I am supposed to have full access to the cottage & bear all financial responsibilities in order to keep it & am obliged to sell or refinance it by XX/XX/XXXX. So I call BofA and explain the situation ( again ) & tell them about the legal agreement which was sent to them as instructed. They also said they needed a letter signed by my ex-husband which was sent along with the settlement agreement. 
They said they do not honor such legal agreements & that I still need my now ex-husband 's authorization to gain access. Furthermore, they've made it very clear that even with his authorization they will only give me access to the loan information via telephone - they will not allow me to go to the on-line account documents & other info related to the mortgage including an " advance '' they paid to the Town of XXXX XXXX for an unpaid sewer assessment ( unbeknownst to me ) to the tune of {$5000.00}. It appears on the loan statements I saw in the past in a separate section so I know it's somehow connected to the mortgage loan and is likely still racking up ridiculous late fees as it appeared my ex- wasn't making regular payments. 
I have made every single payment on the monthly mortgage for this cottage since it's purchase in XX/XX/XXXX. I would like to understand WHY BofA can now deny me access when the property, the loan & all related financial obligations are now my responsibility per a legal settlement signed by the judge &  HOW they can require that my EX-HUSBAND 's authorization. I have attached the last monthly statement I was able to obtain in my ex-husband 's name as well as the divorce/settlement agreements. Nor do I understand how I can possibly comply with the terms of the settlement agreement and take care of all related bills & fees until I can SEE the records. 
Thank you in advance for your help.
Product: Credit reporting or other personal consumer reports

I am filing a complain against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. S 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX  actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C S 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File no. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Checking or savings account

On XX/XX/XXXX I opened a new online savings account with Discover. On XXXX, I initiated trial deposits, originating from my Discover account, to link an external savings account ( w/ XXXX ). After verifying those trial deposits, on XX/XX/XXXX, I scheduled an XXXX transfer of {$35000.00} from my external savings account via the Discover portal. This was primarily done to meet an opening bonus requirement advertised by Discover. On XX/XX/XXXX, I could see the XXXX deducted from my XXXX account, with pending availability in my Discover account. On XX/XX/XXXX, Discover informed me that " we noticed unusual activity on your account. For security purposes, we have suspended access to your account ''. 

I tried contacting Discover 's fraud department on this issue, and after an blind transfer an agent informed me that the account was suspended pending additional verification. After multiple attempts, we managed to get on a conference call with a rep from my external bank, who was unable to provide Discover with the information they wanted due to a system outage. 

I've had a checking account with Discover since XXXX that has always been in good standing. I'm a long term customer, and there is no realistic risk here. At present, my existing checking account ( completely unrelated to the transactions described ) and new savings account remain frozen and all funds held with them, including the {$35000.00} have effectively been stolen. The agent informs me that my funds will not be released until XXXX discloses whatever information Discover 's internal fraud policy dictates and that it is my responsibility to coordinate a conference call between both banks. I have no idea how any of this is legal, but if Discover has a policy whereby they are happy to initiate large transfers of money, it seems absolutely ridiculous to subsequently hold that money XXXX and freeze all accounts that are held with them after the fact. This is especially the case when they are advertising to customers to transfer those large sums of money. If potential fraud is suspect, customers should be warned of a problem before they initiate a transfer. Critically, a customer shouldn't have to coordinate amongst multiple banks just to have access to funds that are rightfully theirs. If a bank 's has internal policies that they believe protect their bottom line, the onus to validate said policies certainly shouldn't fall upon customers. 

I just want my Discover accounts to be unfrozen. I just want my money back.
Product: Checking or savings account

It is about the CIBC US Agility Savings Cash Bonus Promotion. 

According to the terms listed by CIBC US " In order to qualify for an account bonus, you must increase the current balance in your CIBC Bank USA ( CIBC ) Agility Savings account by depositing funds of {$25000.00} or more of New Money ( defined below ) from an external bank between XXXXXXXX XXXX ET on XX/XX/XXXX and XXXX XXXX. ET on XX/XX/XXXX ( the Funding Period ). The New Money must remain in your account until XXXX XXXX on XX/XX/XXXX ''. 

On XX/XX/XXXX, the " current balance '' in my account is {$1400.00}. 
On XX/XX/XXXX, I deposited new money {$50000.00} to my account from an external bank, which increased my balance to {$51000.00}. 
The New Money remained in the account through XX/XX/XXXX. 

As described, I have met the terms of the promotion and should deserve a {$500.00} bonus. However, I called the CIBC US bank and was told that I did not meet the requirements because they calculated my " current balance '' with the statement balance of XX/XX/XXXX, in which I have more than {$51000.00}. They argued that I moved the money out first and re-deposited it back to the account. 

CIBC US does not define " current balance '' in the terms properly so it is not an excuse for them to refuse to pay out the deposit bonus to customers. Besides, the money I moved before the deposit is a " wire transfer '' to a lawyer, which is used to pay the downpayment of my house, which can be confirmed by the lawyer and the account activity. There is no way that " I moved the money out first and redeposited it back to the account ''. 

CIBC US should fulfill the terms and pay out the cash bonus to the customer.
Product: Credit reporting or other personal consumer reports

Pulled my credit report from Equifax on XX/XX/XXXX, noticed multiple unauthorized/unverified inquiries on my consumer credit report. Reached out to Equifax, was advised they were not able to assist. 

Inquiries that are unverified/unauthorized 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested debt validation and original contract from RESURGENT CAPITAL SERVICES, XXXX XXXX XXXX XXXX XXXX XXXX  and was not supplied with it I did my own research and found it was a fradualant credit card account that I reported back in 2020. this is not my account and this needs to removed from my report immediately. I attached the original letter along with what was sent to me in response
Product: Money transfer, virtual currency, or money service

Hi Paypal suspended my account and after 180 days i can't withdraw my funds. 
I contacted the support several times but in vain
Product: Debt collection

Yesterday evening I spoke to a rep in regards to my acct I requested a letter stated the debt would be removed after payment, the rep said no they do not produce individual letters, I then asked the rep to send a letter with the offer we agree to the rep stated no, I tried to negotiate the rep put me on hold to speak to his manager and his manager stated I must pay in full with a debit card and they do not want to negotiate with me if I send a USPS money order the original amount from the original creditor is XXXX there offer is well above asking price
Product: Mortgage

I was on Covid forbearance in XXXX. 

I applied for state help in XX/XX/XXXX. 
Loan mitigation started in XX/XX/XXXX State said they made a mistake saying I was approved and it was an error and told my bank continue process. 

XXXX never reported me to credit bureau during loan mitigation process that started in XXXX XXXX because even though cares act ended. The forbearance was done during this timeframe. 

XXXX moved my file to Selene in XX/XX/XXXX. 

XX/XX/XXXX selene sent me info on my first payment. Which increased. I told supervisor I couldnt make this higher payment and she said to apply for hardship.

I sent by email XX/XX/XXXX my application. I thought this was still protected because of the cares act since the debt originated from this.

I asked Selene to divide my escrow shortage into 60 months like the cares act states and they did again because of the cares act!

On all the calls I made to Selene before XX/XX/XXXX and XX/XX/XXXX I asked if they can send me a email for proof the during the loan mitigation they were not Going to report me.

They still reported me and too 3 months to give me a decision on my application.

Even thought I sent everything. I asked them to check the calls and now they say they did but I will Like to get the calls also for review because Im100 % sure they said they wont report me during loan mitigation.

I even asked if I can make Partial payment but there website didnt let me. They asked for missing documents even though it was on email and their executive XXXX XXXX that was helping me had to Tell them twice that the email had all documentation.

They took so long and now Im devastated because of them Reporting me with false promises. I will like the calls also for review
Product: Debt collection

On XX/XX/2020, I received a call from Mr . XXXX with Merchants Adjustment Services ( XXXX ) stating that I had 2 open accounts with XXXX XXXX XXXX and that if I did not pay it immediately, he would be filing that day to sue. I told him then that he could not threaten me unless he absolutely intended to take that action. After ending the call with him, I called back and spoke with XXXX, the receptionist. I told her that I was not to he contacted AT ALL via mail, email, or phone after that date. I then left a voicemail for the manager, XXXX XXXX which was never returned. Today, XX/XX/2020, I received another call from Mr . XXXX. I informed him that I requested no further contact and he started in on " Well while I've got you on the phone, why haven't you made an effort to pay this. '' I told him that was harassment. I then called and left another voicemail for Mrs. XXXX. Her assistant XXXX XXXX returned my call and informed me that all calls are recorded. I told her all of my issues and then SHE began attempting to collect on me instead of listening to my complaint!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my  information was obtained by this person. 

In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
STUDENT LOAN CREDITORS : US DEPT ED ACCOUNT NUMBER : XXXX XXXX XXXX XXXX Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : DP OF EDUC ACCOUNT NUMBER : XXXX COLLECTION AGENCY : ( Original Creditor : ) N/A ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 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. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-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: Debt collection

On XXXX XX/XX/2022 a debit collection on the name Jefferson Capital System LLC with the account number XXXX and post with {$480.00} With the address on XXXX XXXX XXXX, XXXX, MN XXXX I want this Collection Agency to provide in writing any agreement and my signature to prove I own them that amount of money If they cant provide this they need to cancel and announce the Credit Company to stop posting this in my account Again they need to provide letters with my Signature that I own {$480.00} to Jefferson Capital System LLC If they can I will appeal by The Federal Law protection of Consumers Fair
Product: Credit reporting or other personal consumer reports

I am submitting this complaint due to multiple unauthorized and inaccurate items appearing on my credit report, which violate my rights under the Fair Credit Reporting Act ( FCRA ). These items include unapproved collection account, charge-off accounts, and closed accounts with unfair late payment marks. Unauthorized Collection Account The collection account reported by XXXX XXXX XXXX ( XXXX XXXX XXXX ), XXXX XXXX ( XXXX XXXX XXXX ), were not agreed upon and violates 15 U.S. Code 1681s-2 ( a ), which requires furnishers to report accurate data. Charge-Off Accounts The charge-off accounts listed below were reported without my consent and fail to meet FCRA standards under 15 U.S. Code 1681i and 1681e ( b ) : XXXX XXXXXXXX ( XXXXXXXX XXXX XXXX ), XXXX  ( XXXX XXXX XXXX ), XXXX ( XXXX XXXX XXXX ), US DEPT ED ( XXXX XXXX XXXX ) - {$9600.00}, US DEPT ED ( XXXX XXXX XXXXXXXX ) - {$4000.00}, US DEPT ED ( XXXX XXXX XXXX  ) - {$4600.00} , US DEPT ED ( XXXX XXXX XXXX  ) - {$8100.00}. Closed Accounts with Late Payments The following closed accounts reflect late payment marks that unfairly harm my credit profile and fail to meet reporting standards under 15 U.S. Code 1681b and 1681c : USDOEXXXX ( XXXX XXXX XXXX ). I request an immediate investigation and removal of these items to ensure the accuracy of my credit report, as required under federal law. These inaccuracies are unfairly damaging my creditworthiness and limiting my financial opportunities. Supporting documentation, including my FTC identity theft report ( FT number XXXX ), is attached for reference. I trust you will address this matter promptly and ensure compliance with the FCRA. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Equifax about the following negative accounts XXXX ( Date Opened : XX/XX/XXXX, Balance : {$130.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX Balance : {$690.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$390.00}, XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$10000.00} ), XXXX XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$3200.00} ), XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$2700.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$4800.00} ), XXXX XXXXXXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2400.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

MicroBiltAttn : Consumer Affairs Department XXXX XXXX XXXX, GA XXXX Website : microbilt.comPhone : XXXX or XXXX ( Option XXXX ) I am requesting a Security Freeze on my consumer report to prevent credit, loans, and services from being approved in my name without my consent. I understand that this freeze may delay or interfere with any subsequent requests or applications I make regarding new credit, loans, or services. Please confirm the implementation of this freeze via the contact details provided above. 

Thank you for your attention to this matter. 

Sincerely,
Product: Checking or savings account

A checking account was opened without my knowledge. I received a debt card in the mail XX/XX/XXXX telling me to activate the account. A few days letter I received another letter letting me know that the account was closed and to stop writing checks against the account. 

I did contact Citizens bank on XX/XX/XXXX around XXXX to let them know that I did not open the account. A representative put in a identity theft report for me.
Product: Mortgage

Our home was burnt down due to the California fires. the 1st mortgage insurance paid to fix the home. we offered to short pay the 2nd mortgage and was recently denied ( I was informed XX/XX/2021, as of XX/XX/XXXX I was told that my appeal was under review ... and today I received notification that SPS has put my home up for foreclosure sale on XX/XX/2021. Please help me deal with these people. they told me I was under appeal..and that I was still under covid forbearance protection and now they put my home for sale.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion, XXXX and XXXX for their failure to respond adequately to my previous dispute letters. I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking your assistance to address this matter. On XX/XX/scrub>XX/XX/2023, I initially submitted dispute letters to the respective credit bureaus, disputing the accuracy of certain information on my credit reports. My dispute letters included details of the inaccurate information and evidence supporting my claims. As required by law, I expected the credit bureaus to conduct a reasonable investigation into my disputes and respond within the stipulated time frame. Unfortunately, despite my efforts to engage with the credit bureaus and my commitment to resolving discrepancies on my credit reports, I have received little to no response from them. I have not received any meaningful communication acknowledging the disputes I raised, nor have I been provided with the results of their investigations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I paid the collection account XXXX XXXX XXXX The account was supposed to be deleted after payment. It was updated to paid and is still reporting on all three credit bureaus. Not only is it reporting it is full of inaccuracies and credit reporting violations. On Equifax and XXXX a payment history is being reported. Which from my understanding a collection account can not report a payment history. Also on XXXX its showing as an open account, a collection account can not be reported as open. Can this account please be removed from my credit report due to the violations and because the company said they requested deletion.
Product: Checking or savings account

Ive been unable to use my funds that Ive had direct deposited into my bank account. The app blocked and locked my account when I tried to make a payment. Ive called and spoke with numerous reps only for them to tell my account is under review with no explanation as to why and received the same lie that someone from back office will be calling me but I have not received a call. This has caused me to be late in my rent payments and possible being evicted
Product: Credit reporting or other personal consumer reports

Repeated failures to meet established deadlines and timelines for updates and reporting on the bureau 's handling of this investigation, most recently the unmet XXXX  deadline stated in your previous memo.