23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I would like to file a Complaint against Bank of America Home Mortgage as it pertains to erroneous escrow [ Insurance ] charges to my Acct -- which is a XXXX year fixed rate conventional mortgage with a monthly fixed payment. We have provided numerous documents to B of A proving seamless, and correct coverage .I purchased my insurance through a reputable insurance agent who simply made a change in the underwriting but not in my coverage back in XX/XX/2016. There has been no lapse of coverage proven, and no non payments of the original mortgage amount. i have received a past due notice for the mounting amounts for the erroneous escrow charges. Upon visiting a local B of A office this am, i was told i must first pay the erroneous charges before they will relieve them from my account. According to the local B of A office at XXXX in XXXX, NC XXXX XXXX # XXXX, " their '' mistake has been on file/record for months but they can not correct the erroneous billing error. This is an unfair banking practice to have me, as a consumer, pay hundreds of dollars in erroneous escrow charges first BEFORE they will correct " their mistake ''. Yes, i said before B of A will relieve all escrow charges from my account. Apparently, this is a scheme to hold a loan customer XXXX, i worry that it may impact my credit as well.. Please advise -
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with the credit reporting agencies in regard to inaccurate information reporting to my credit reports. I never received any notifications in regard to the investigation results. It now has been 30 days since I filed a 30-day demand to comply with the credit bureaus and still have yet to receive any responses.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 Upon accessing my credit report to check on my score before applying for a new apartment I was shocked to find accounts and addresses that didnt belong to me. My initial response was to contact the original creditors, and submit an FTC to said bureaus and clear my report. The credit bureaus failure to positively verify these accounts has hurt my ability to obtain credit and qualify for my own apartment for an undisclosed amount of time. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account. These bureaus were denying federal law and I had to pay the price of XXXX, XXXX XXXX Equifaxs delinquency. 

There was over XXXX in collection debt, XXXX addresses that were being reported and closed accounts that were repeatedly being reported as past due and miss pays.
Product: Mortgage

VA home loan first with XXXX then NationstsNationstar, Mr Cooper and current Rightpath Servicing. I accepted pandemic forbearance XX/XX/XXXX informed XXXX  I wanted to end program since XX/XX/2023 At that time I was in arrears about {$48000.00} however Rightpath has dragged speedy resolution by requests for duplicate docs that current I'm {$74000.00} mortgage arrears. I entered forbearance because of financial hardship having got sick with XXXX. Also because Rightpath reps over phone said my past due payments would be tacked to current contract but that was a lie I have tried to no avail for months until last week they're now working modification of my VA mortgage. My current rate when went in forbearance is 3.5 % so I thought I would keep it Right now I dunno what is happening and truly feel victimized. I'm a XXXX retired veteran XXXX  years of age ... a revolution is to allow me to keep interest as is on mortgage XXXX contract I'd love of Rightpath would waive the excess arrears they created by delaying process of ending forebearance
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN HAS RE INSERTED PREVIOUSLY REMOVED FRAUDULENT ACCOUNTS THAT I SUBMITTED POLICE REPORT AND THEFT AFFIDAVIT FOR THEREFORE VIOLATING THE FCRA. THEY ARE XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX 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 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 or other personal consumer reports

I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Name : XXXX XXXX Also Known As : XXXX XXXX Former : XXXX XXXX Date of Birth : XX/XX/year> Current Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX, XXXX  XXXX Employers : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting an inaccurate charge off account on my credit reports that I am not familiar with. I reached out to them directly for validation of this account as well as documents concerning this debt and was sent back a copy of a contract as well as a statement. There were no signatures on the contract sent and statements are not sufficient proof. A contract without signatures invalidates the debt as they do not have valid proof of any legally binding documents to validate this debt. 

Furthermore, each credit bureau is reporting inaccuracies concerning this account which is illegal according to the consumer laws. 

Transunion is still reporting a monthly payment and balance for this account and XXXX and XXXX is not. They are also reporting inaccuracies pertaining to the open dates. Transunion is reporting this account was opened on XX/XX/XXXX and XXXX and XXXX is reporting XX/XX/XXXX. They are also reporting inaccuracies concerning the last active dates. Transunion is reporting XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. Lastly, they are reporting different report dates. Transunion is reporting XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. 

If each bureau gets their information from the same place, how is it that they are all reporting very different things? How is it that XXXX XXXX is validating this account as well as provides information concerning this debt to the consumer reporting agencies but allows them to report inaccuracies? How is it that each bureau is reporting different last reporting dates and i have been disputing this inaccurate account since XXXX of XXXX? That is illegal as that means that they have not been actively updating my reports and processing my disputes. Each bureau Transunion, XXXX and XXXX has also received a copy of my FTC as well as identification documents detailing this debt does not belong to me. 

Each credit bureau as well as XXXX XXXX has been in violation of my rights as a consumer and the credit laws and I am demanding that this account is deleted from my credit reports.
Product: Credit reporting or other personal consumer reports

I need your assistance regarding this incorrect account listed on my credit report. This issue has harmed my reputation, and I require your help. Your mishandling of my credit report has deeply affected me, and because of your inaccurate reporting, my reputation has suffered. These inaccuracies need to be corrected so I can move forward with my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
NATLCRSYS ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion did not respond to my complaint that I had not intended to enter into any kind of agreement with them. I only wanted the free credit score that they offered. Instead, I was signed up for a monthly monitoring agreement that I could not cancel. The next time I went to their help page, I was sent to a defunct website. I could not communicate with them at all and I am still being charged {$19.00} per month. I want all my monthly subscription payments refunded and the service canceled. I have already started a payment dispute procedure with my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX Balance : {$3000.00} XXXX XXXX Balance : {$2900.00} XXXX XXXX Balance : {$3000.00}
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 card or prepaid card

I just learned a credit card account was opened in my name in XX/XX/2022. I've been charged a balance of {$290.00}. I contacted Chase who then put an immediate stop on the account, I also processed a dispute through XXXX fraud department and have a police report.
Product: Checking or savings account

Wells Fargo allowed me to make withdrawals even though there were not enough funds to cover the withdrawals and then they charged me fees.
Product: Debt collection

This debt collector is attempting to collect a debt that was legally voided based on the California Health Studio Services Law. The Health Studio, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, received written notification from me that I was invoking California Health Studio Services Law Civil Code 1812.89 ( b ), which allows a consumer to terminate a contract with a health studio if a consumer moves more than XXXX miles away. I property notified the studio and sent a the debt collector copies of my cancellation letter along with a written explanation and demand that they cease collection efforts. I have not heard back from the debt collector whatsoever and this item is still on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is a follow up complaint to LexisNexis and the egregious inaccurate information they are reporting on my credit report. They are continuing to report an inaccurate bankruptcy on my credit report, an account they have continuously verified as 100 percent accurate and complete. Most recently, on XX/XX/2021, LexisNexis has just certified and verified the information they are reporting is accurate and true. I disputed this information again via certified mail by USPS on XX/XX/2021. LexisNexis received this dispute on XX/XX/2021. I called today to inquire as to why they have not responded to my demand to delete the inaccurate bankruptcy, and they stated they did not receive the dispute. Even though USPS tracking has them in receipt of the dispute on XX/XX/2021, they claim to have no knowledge of the dispute. LexisNexis reported bankruptcy includes upwards of 4 different errors and inaccuracies. If I dispute these inaccuracies and LexisNexis verifies they are 100 percent accurate and complete, by law, per the FCRA they are required to DELETE the entry. This outcome is required with only 1 inaccuracy. LexisNexis bankruptcy reporting includes 4 inaccuracies. 

I spoke to XXXX today from LexisNexis
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.
Product: Mortgage

Freedom Mortgage is attempting to take my home from me through the foreclosure process, even though they have never provided me with any sort of mortgage assistance on my FHA loan. Every time I have tried to work with them, they claim that they did not have all the documents to perform a review for assistance. However, I gave them every scrap of paper and bit of information they requested. They are just unwilling to get this done and I am shocked at their incompetence. I have an FHA loan and there are very clear guidelines on how a loan should be treated, but they are just trying to foreclose on my home and take away my equity. I have never had a single point of contact and they act like a bunch of thugs and baboons. I have reached the end of my resources and am in the final stages of foreclosure. I have done everything I can to work with them, but it is an act of futility. I went through some difficult times financially when I lost a large contract and then I had a nightmare of a tenant who wouldnt pay rent or leave the property. I have now resurfaced financially, but Freedom Mortgage is unwilling to work with me to modify my loan. I have never had a single point of contact and had to work with different people every time I contacted them. No one had control over my request for mortgage assistance and nothing got done. Freedom Mortgage isnt willing to help me and is taking me through the foreclosure process instead. The only option they have given me is to fully reinstate my loan, but this is impossible. I would really like to see if your organization would be able to take a look at how they are treating me and to see if there is something that can be done to help me save my home.
Product: Consumer Loan

Ford Motor Credit made several monetary and clerical errors on my account that ultimately ended up in them reporting my account delinquent to the credit bureaus severely impacting my credit score. Prior to the negative report I called customer service to warn them of the issue, to which they responded that indeed they made an error and they would resolve the issue and contact me. I was never contacted, so imagine my surprise when I saw the hit to my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted 3 disputes through TransUnion asking them to require documentation from XXXX other than the breakdown of late payments because during the time they are saying the loans were late they were supposed to be in repayment. I have the applications I made from the studentaid.gov website and the breakdown where it shows that the loans were under repayment and forgiveness. TransUnion failed to provide documentation and rules that what XXXX is saying is correct although before my loans were transferred to them I did not have any late payments. When I asked TransUnion why they didn't provide documentation they stated that it is not their job to investigate they only take a statement from the company that says what I am disputing is correct. They base their investigation on he said she said instead of factual evidence.
Product: Credit reporting or other personal consumer reports

I am promised accuracy in my credit `report based on federal law I am making this complaint as another attempt to have these errors corrected on my consumer report under 15 USC 1681, 15 USC 1681d, 1681n Civil Liability for Willful Non-compliance, 15 USC1666b, 15 USC 1601,15 USC 1602p all unverified and negative information must be promptly removed as you can see in your system that they can not verify this information and validate it so I request that you remove it now. Under 15 USC 1602p, all unverified hard inquiries shall be removed. The bureau verified they received all necessary information to be removed negatives on the account but willfully are non-compliant. Pursuant to 15 USC 1681n Civil Liability for Willful Non-compliance the bureau has to pay me {$1000.00} per negative disputed mark on credit they willingly refuse to remove.I have been verified by both XXXX and Equifax that I am part of the XXXX and Equifax XXXX breach.
Product: Checking or savings account

I'm having problems with the bank which is holding checks, and other money that belong to me and they are not returning it to me either. They told me that the account was overdrawn and I dont believe what they say. I haven't done anything but make some deposits. They have been holding my money from me for about a month now. 
This is the 4th time, that the bank has held any checks along with other money that was in my account or in that bank telling me that the funds needed to be verified or that the issuer of the checks has to re-issue to me a new one because the check wouldn't clear in the bank. I dont believe that this is the problem. With this check problem, they are holding not just the funds of the deposits but the money that is already in my account. They are holding everything in my account now, and there is a negative sign on my balance and I can't spend any of my money. 
How long can they legally hold a check that was cashed waiting for it to be verified or cleared? Can they take the money in my account and hold it from me? If this legal or not? This is the 4th time that that have just wiped me out. It is not my fault that a issuer of a check issued me a bad check. If I thought it was a bad check, I wouldn't have tried to cash it. I'm not the one responsible for what the check issuers do or don't do. The bank is not to take this out on me and take everything I got angry at the checker issuers They are supposed to contact these people themselves to straighten out the matter and not me. I don't believe that just because the bank does not have a FDIC, that this is the reason for their behavior. The bank not having a FDIC is just a bank not having a FDIC it means nothing to my situation.
Product: Checking or savings account

ON XX/XX/2020 I TELEPHONED WELLS FARGO CUSTOMER SERVICE TO INQUIRE ABOUT MY ACCOUNT. BEFORE I BEGIN TO GIVE MY INFORMATION TO SECURE IDENITY I ASK FOR THE NAME OF THE CUSTOMER SERVICE PERSON I WAS SPEAKING WITH. I WAS TOLD THE NAME WAS XXXX. I GAVE XXXX MY FULL NAME AND ASK THAT SHE SENT ME A VERIFICATION CODE TO MY PHONE BY TEXT TO ENSURE I WAS SPEAKING TO A BANKER OF WELLS FARGO. SHE REFUSED. DUE TO THE COVID 19 EMPLOYEES ARE WORJKING FROM THEIR HOMES AND I AM CONCERN ABOUT MY INDENITY BEING AVALIABLE TO A NON- WELLS FARGO EMPLOYEE. XXXX SEEMS TO THINK MY REQUEST WAS ABSURD AND PLACE ME ON HOLD SO A SUPERVISOR COULD SPEAK WITH ME. I WAS ON HOLD FOR THIRTY ( 30 ) MINUTES BEFORE I FINALLY HUNG UP THE CALL. THIS IS THE WAY WELLS FARGO TREAT CUSTOMER NOW? MY REQUEST WAS LOGICAL AND SECURE, BUT XXXX SEEMS TO HAVE THOUGHT IT WAS A WASTE OF HER TIME. IHAVE REASONS TO BELIEVE SHE WAS EMPLOYED TO SERVICE WELLS FARGO CUSTOMERS. HER ATTITUDE OUTLINED DIFFERENTLY
Product: Debt collection

I currently do not have any outstanding accounts. The debt collector 's name is XXXX XXXX XXXX XXXX XXXX XXXX. The only information provided about the creditor is : LVNV Funding LLC and the original creditor is XXXX ( XXXX ), XXXX XXXX. I have never had any creditor named like neither XXXX. When I called they said I should call XXXX XXXX or XXXX because it is an old account. I do not have any outstanding accounts with them either.
Product: Checking or savings account

1. I called XXXX on XXXX, XX/XX/XXXX, regarding the return of my funds from a recently matured XXXX CD. I spoke with XXXX XXXX presumed spelling of XXXX ) indicating my desire to not renew and to return my funds plus interest to me via ACH. 

She administered what sounded like an XXXX  credit report XXXX  XXXX. This is unique. I have had many CDs mature in the past several months. This is the first bank to ask such questions. She prefaced by stating, " I can not repeat questions, '' On the final question, she interrupted with a personal comment about the sound quality. I asked about the question she just asked, about my age and five-something. She stated she could not repeat it. I exclaimed, " I am XXXX! You are on a speaker. If there were sound issues, it should have been mentioned before asking me questions! '' She then repeated the question and stated she had just emailed XXXX and to check my portal, making it sound imminent. I XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX There was no ACH. 

XXXX. I XXXX XXXX Webster Bank by logging into my CD on XX/XX/XXXX and XXXX. 

XXXX. I called for my final time on XX/XX/XXXX. It was not only after the deadline I had set by XXXX  of XXXX, and they moved to " end of day, '' ( XXXX ) but also referenced one of the messages I am quoting : me : ACCEPT -- - Original Message -- - From : Webster Bank, XXXX. 
Subject : XXXX ACH Transfer Request Received : XX/XX/XXXX Hello XXXX XXXX We are sending you this email as you requested an ACH transfer from your XXXX  account. 

Please review the information below for accuracy. 

Date- XX/XX/XXXX Account Name- XXXX XXXX  Debiting Account Number- XXXX Amount- {$520.00} plus any additional interest per diem Receiving Bank XXXX XXXX bank Routing Number to Credit- XXXX Account Number to Credit- XXXX Receiving Account Name- XXXX XXXX  Account Type- Checking By replying ACCEPT to this email, I authorize Webster Bank to initiate a one-time electronic debit from my Webster Bank account and credit the account listed above. I acknowledge the origination of electronic transactions to my account must comply with the provisions of XXXX law. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXX On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, for " end of day '' but before the call center closed at XXXX XXXX I called XXXX and was passed to XXXX in XXXX XXXX XXXX He said XXXX important things. 1. " I don't see a case ( to do the ACH ) submitted yet. 2. " 'Accept ' response not acknowledged.. I just did that. '' 3. Set another wobbly-seeming deadline of XXXX XXXX  on the XXXX to set up the ACH in light of his brief comment on the backlog transfers regarding XXXX.
Product: Debt collection

I have made payments on the account and they continue to call my cell phone, FIVE times per day. If I answer it, it is automated, so why bother answering? All the automated system says is to check my account. That's it. I did some research and learned that they are only to call SEVEN TIMES in SEVEN DAYS.