23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The following email sent on the noted date describes the situation. Since sending this email re Loan No. XXXX to the email address given by Specialized Loan Servicing representative I have received no email acknowledgement but have received a delinquency notice dated XX/XX/XXXX eventhough the XXXX payment has been made to SLS. Please see the following : XXXX XXXX <XXXX> Attachments Sat, XX/XX/XXXX, XXXX XXXX  to customer.support at Specialized Loan Servicing Dear Sir or Ma'am : I spoke to a representative there on XX/XX/XXXX and informed him that I just realized that the XXXX Mortgage payment for XXXX XXXX XXXX XXXX FL XXXX was sent to the old servicer XXXX , XXXX ( easy mistake on bank billpay app ). I was informed by your rep that it may have been forwarded to you and that i should send proof of payment to this email addy. Please see attached that proof of payment. I also spoke to XXXX  rep today and was told that the payment was not " processed '' by them and that that meant it was forwarded to you since it has not been returned to my bank. Please acknowledge receipt of this proof of payment and whether the payment was forwarded by XXXX -- XXXX XXXX, XXXX. 
( XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Mortgage

I've been working through a mortgage application process with Bank of America, XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. XXXX XXXX NMLS ID XXXX. I'm an XXXX XXXX that has over $ XXXX in salaried W2 income in a profession Ive been in directly for 9 years and accumulatively for 14. In addition, I have a 20 % bonus structure that this year paid out in excess of bonus target, as it has every year in recent years. On top of that, I receive a stock long term incentive which has been tracked and paid out. All on my W2s. 

Simply because I recently got my XXXX XXXX XXXX and got a business card that has a monthly payment of roughly {$70.00} dollars, yes SEVENTY DOLLARS, when I make well over a XXXX XXXX, they will not move forward with my loan without tax returns. My XXXX tax returns are not filed due to a divorce, but are with the Tax Preparer and now complete. Regardless, there was no XXXX XXXX income on there because I didnt get the license until late XXXX. As you know, XXXX returns are not due. Ive continued to receive a run around and now the lender has failed not only to issue a timely approval with appropriate notices and lead times with a income and debt ratio. Not only is there serious RESPA violations of Regulation X, there are other concerns with Truth in Lending and frankly some potential concerns with such an undocumented and unjustified delay on my home purchase closing. Ive made the lender clear with regular statements as requested that there is no material income or loss for this hobby, so their continued delay in funding this loan is inappropriate. 

Im aware that congress enacted a stimulus plan to ensure that the lending market remained liquid and Im confident BofA has taken advantage of those zero interest loans. Im asking you to hold them accountable as regulated to provide a fair and timely approval. This has caused me financial hardship as Ill now need to look into extending lease that is running over $ XXXX a month with the short term lease premium due to this mismanagement of the lending process, where as I was looking forward to locking into a great mortgage payment of around {$500.00} less per month. Please escalate this to the highest levels to help me stay on track during these challenging times. In addition, I now have real estate agents, title companies and insurance companies all complaining about bank of America and a virtual cease in ALL communication. This puts me as the consumer who has filled all underwriting requests and shown a credit report FREE from delquencies and an income structure to support such a loan receiving the brunt end of the complaints and harassment from all of these individuals trying to do their job in the closing, but not getting adequate ( and required ) notifications during this real estate settlement process. This puts me in the middle and taking the brunt of this outreach. During these pressing times, we'd expect prompt responses from our banks. I've had an account with them since I was a teenager and this behavior is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting an account on my report that is damaging this account is not a credit account it should be on my credit report at all Experian is the only credit bureau reporting this information this should be on my credit report it should be removed immediately Social security administration account number XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I got into a situation where I had no choice but to get a title loan on my car. I had just started my job, and we only get paid every XXXX weeks, and I had to eat.. so I got the title loan thinking I would pay it off early. The rep said I had a good credit score with them because I paid back the previous title loan. I assumed that since I did that, I should get a lower interest rate.. by was I wrong!! My interest rate is so high, that the rep told me it was all complete, that if I paid it back as scheduled, they would make {$11000.00} off of my {$2000.00} loan. My payment is close to {$400.00} per month, and the bill increases even after I pay them! How is that legal for them to make that much money off of people who obviously are struggling or they wouldnt be getting a title loan in the first place! Seems like you only have XXXX choices in this situation, you either forfeit your transportation, or you make the payments and pay them enough to almost buy yourself a new car.. I tried to contact them about getting a lower interest rate, but they never called me.. I think interest rates that high should be illegal!! Someone that is so short on cash that they have to put their car up, shouldnt be paying such high rates. They set you up for failure no matter what and thats not right..
Product: Credit reporting or other personal consumer reports

I noticed incorrect accounts on my credit report today, and I have no idea how they appeared. I regularly review my credit report, but this time, I found unexpected inconsistencies. I even tried refreshing my browser, thinking it might be a technical issue, but the inaccurate accounts were still there. Because of this, I am requesting a detailed review of the documents I submitted to prevent this from happening again.
Product: Credit card or prepaid card

There were several XXXX  dollars in unauthorized transactions with suspicios purchase items and phony false phone numbers.
Product: Credit reporting or other personal consumer reports

Please remove the inaccurate accounts being reported on my credit file.
Product: Credit card or prepaid card

I opened a credit account with XXXX on XX/XX/21 with a promotion they were running in which they were offering XXXX points to customers that open an account between XX/XX/21 to XX/XX/21 and made their first purchase before XX/XX/21. I made my first purchase on XX/XX/21. When the XXXX  days which is when they said it will be posted to my account was coming I called their customer service on the status of those points on XX/XX/21. The rep I spoke said she has created a ticket to look into this and it will be a week before I will know the status. I called back on XX/XX/21 and was told there was no mention of this ticket in my account and she would submit one that day and that I should call back on Friday to check the status. I called back on Friday and was put on hold for like half an hour before I was sort of pushed away from the call by the rep saying I should see the points coming soon. I decided I would give them by today to see if they could give me any progress on this ticket that they say they made to resolve this. So I called today XX/XX/21 and straight up was told the ticket was send to the wrong department and that she will create a new ticket and send it to the right department this time. She gave me a ticket number this time which is XXXX. I have lost hope and pray that the CFPB can help on my behalf.
Product: Checking or savings account

In 2017 I had got a victims comp check in the amount of {$2500.00} at that time I was banking with chase bank after deposit the check was clear the account that days chase bank closed my account kept the cash and still this day refused to refunds me the cash
Product: Vehicle loan or lease

I am submitting this formal complaint regarding deceptive and unethical financing practices I experienced at XXXX XXXX XXXX on yesterday, specifically involving Sales Manager XXXX XXXX. My visit to the dealership on XX/XX/year> resulted in an extremely frustrating and predatory experience that I believe warrants immediate investigation by the Consumer Financial Protection Bureau. 
During the six hours I spent at the dealership, XXXX XXXX manipulated my financing interest rate four times, each time increasing my monthly payment under false pretenses. It became apparent that I was being unfairly pitted against another potential buyer, and I have strong reason to believe that these rate changes were deliberately imposed to dissuade me from purchasing the vehicle. XXXX XXXX openly stated multiple times that another customer was interested in the car, which raises concerns about whether I was subjected to discriminatory or deceptive lending practices. 
When I questioned the discrepancies in my financing terms, XXXX XXXX responded dismissively, refusing to provide transparent explanations for the fluctuating rates. His behavior was not only unprofessional but also indicative of predatory lending tactics that exploit consumers through misinformation and pressure. 
I am formally requesting the CFPB to investigate the following : Unfair and deceptive financing practices : A thorough review of XXXX XXXX handling of my financing terms, including whether these changes were legally and ethically justified. 
Potential violations of fair lending laws : An investigation into whether I was treated differently or unfairly due to an external factor, such as the presence of another interested buyer. 
Accountability and corrective action : Ensuring that XXXX XXXX XXXX takes corrective measures to prevent this type of predatory behavior from occurring with other customers. 
I have also submitted complaints to the Better Business Bureau and the Federal Trade Commission regarding this matter. I urge the CFPB to take immediate action to hold XXXX XXXX XXXX accountable for their deceptive lending practices. 
Please confirm receipt of this complaint and provide guidance on the next steps in the investigation process. I am willing to provide additional documentation or testimony as needed.
Product: Credit reporting or other personal consumer reports

XXXX is reporting incorrect info on Medical bill collection DESIGNED RECEIVABLE. 
lettis attached and show the evidence of inaccurated info. on my credit report.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. This Account is in violation of 15 U.S. code 1681A ( 4 ) for consumer right to privacy.This bankruptcy shouldnt be on my credit/consumer report. 
XXXX  XXXX BANKRUPTCY Account Number : XXXX Please remove it from my credit report. 


2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account. 


3. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


4. there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Rocky Mountain Mortgage Company has reported and continues to report to the credit agencies that my Mortgage Loan is closed due to XXXX XXXX Bankruptcy and this account has never been in Bankruptcy, continues to be open and in good standing. 

I spoke to XXXX from Rocky Mountain Mortgage in XX/XX/XXXX regarding this issue and she requested I submit a dispute with the credit bureaus, which I did and they replied after investigation that Rocky Mountain Mortgage confirmed the status of Closed/Bankruptcy. 

I followed up with XXXX on XX/XX/XXXX, to advised that the dispute did not resolve the issue and she directed me to XXXX XXXX who again confirmed my account was never in bankruptcy but " paper work '' gets mixed up in XXXX XXXX when notified of proceedings of other bankruptcy 's. She did not provide a solution to my problem and didn't seen to show much interest in correcting their mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

Companies Involved : - Walmart in partnership with Synchrony Bank ( card provider ) - XXXX  - XXXX  Due to my case not cleanly falling into one of the credit bureaus ' several dispute categories, I have been unable to solve this issue for 5 years now. 

Timeline : XXXX : A clerk at a card table in Walmart sold me on applying for a Walmart credit card. This was in XXXX, XXXX  where I lived at [ redacted ] XXXX : Card never arrived so I called customer support. They informed me the card was mistakenly sent to the address on my ( outdated ) XXXX  ID rather than the hand written address in my application form. Card was thought to be cancelled at this time. 

XXXX : Late charges on this account began showing on my credit report. 


I have never seen this card, did not activate this card, nor have I ever made any payment towards the alleged balance. I did not see the report until much later. By then the card had been long maxed-out and was closed for non-payment. 

Assumedly, there is a paper trail of spending which demonstrates the card was most likely used near my old address in XXXX XXXX, XXXX. Similarly my accounts have not spent any money in XXXX  store since at least XXXX. 

In general, fraud claims are geared toward *application* fraud. The application was genuine however. The problem lies with Walmart/Synchrony Bank in failing to properly deliver the card and later failing to cancel the card ; in addition of course to whoever ultimately found and activated the card. 

Having disputed this many times, the responses I get have been along the lines of being told that they verified no payments were made. Well of course there were none! 

These overly simplified methods of settling disputes are negligent in cases where a human must actually think through the timeline and understand problems.
Product: Credit card or prepaid card

I used the XXXX XXXX XXXX XXXX Credit Card to order a {$500.00} XXXX gift card online on XXXX  to my address XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, IN, XXXX. But I did not receive it. XXXX insisted that they have delivered it. There is no building number in the photo XXXX ( in the attachment ). Thus, they may not deliver my package. Even if they delivered it, I did not receive it so I guess that the package was stolen. 

According to the regulations shown in XXXX  ( in the attachment ), my case satisfies that the " an item You purchase is damaged or stolen within the first ninety ( 90 ) days from the date of purchase ''. According to the XXXX, I filed a claim in the 90 days. Thus, I think that Wells Fargo should reimburse me {$500.00}. However, in the phone call recording " XXXXXXXX XXXX XXXX XXXX XXXX '', they said that they have lost my dispute and denied this claim. 

Thus, I would like to ask for help from the CFPB. Than you so much!
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent account from my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the account that does not belong to me or was opened without my permission. 

XXXX XXXX Balance : {$250.00}. 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

XXXX XXXX XXXX - charge - medical bill I was asked to pay for imaging that could not be read by a radiologist - imaging was poorly done. It missed standard of care quality elements. In other words, it lacked information that is normally included in such imaging and reporting. Associated radiologist agreed and removed their own charges. 

There was no customer service department, and therefore, no resolution path within XXXX XXXX XXXX. With their billing department I tried to dispute bill but they would not discuss ; ordering doctor also tried to help resolve this issue because the imaging could not be read. I eventually contacted a XXXX XXXX XXXX Vice President for help ; he said he'd help but did not follow up. 

Non payment went to collections, and for several years I have been harassed by collections. I can provide a list of blocked telephone numbers from credit collectors. 

I ran my XXXX  report in the summer of 2020. The bill is now bringing down my credit. Note that I am in my XXXX and have had nearly perfect credit for all of my adult life. 

Due to the ongoing harassment, I finally offered to pay the bill ( in writing, with the debt collector if they'd remove it from credit reporting as an error. They did not respond within 30 days - It's been 6 months ). See letter, and USPS timestamped return/receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of late, I have been in process of correcting incorrect/inaccurate information on my credit file. After careful review of the credit reports from the bureaus I can confirm that there is still incorrect information on my report. The following accounts are reporting inaccurate information on my credit report : XXXX XXXX [ XXXX ] XXXX XXXX  [ XXXX ] XXXX XXXX XXXX XXXX ] XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX [ XXXX ] XXXX XXXX XXXX XXXX ] XXXX [ XXXX ] XXXX [ XXXX ] DEPT OF EDUCATION/XXXX  [ XXXX ] DEPT OF EDUCATION/XXXX  [ XXXX ] DEPT OF EDUCATION/XXXX XXXX XXXX ] DEPT OF EDUCATIONXXXX [ XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As correspondence, I will mail this report along with identity and address information for the credit bureaus to see. I simply ask to remove all these accounts from my report. There are too many inaccurate payment histories, payments, and amounts on these accounts that isnt supposed to be there. Ive also considered that incorrect and false information on my credit file is a violation of my personal and privacy rights.
Product: Debt collection

Approximately 2012, I had subscribed to pet insurance through XXXX hospital for my furry loved one. After a period of time, I felt I could no longer afford the monthly payments for the premium and called to cancel my his coverage. Several years later, I found an item on my credit report stating that I owe the company $XXXX!. When I called to ask, they said, they had record of my cancellation but that I am still responsible for the remaining bill. This seemed fishy and don't feel comfortable paying for a bill for which services haven't been provided.
Product: Credit card or prepaid card

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I made payments of {$700.00}, {$800.00}, and {$550.00} respectively, via online banking 2 direct transfers and 1 on line bill pay from my Citizens Bank checking account to my Citizens Bank credit card ending in XXXX. On each occasion, I would check every day to see if my payments posted and they did not post but were listed on hold and not applied to my card. This continued for more than 10 days approximately 2 weeks with no explanation why the hold on my payments. The holds were only lifted and apparently applied after I called and flipped out because I was traveling and needed to make more purchases. ie. rental car, hotels etc, on the card. 
I called and ask why my payments were on hold and not posting right away. I was given no good explanation of where my money went when they withdrew it from my checking account if they did not apply to my credit card as it was intended. This is a conversion of my money. I couldve paid a different card down to use or kept the money in my account and earned interest.

On the three occasions that I made these payments, I saw the withdrawal of my cash immediately, but not the credit to my credit card. After I called and kept calling because this kept happening, they told me my payment would be applied however I never saw my balance go down the day the payments to my card were supposedly actually made by Citizens Bank. 

I am extremely frustrated because I cant tell if these payments were ever posted, and on what day the payments were posted if not on the day I made the payments, because my balance never came down on my credit card in my online banking. This is just not right to do to a person. I have never been late on a payment on my card there is no justification for any hold, Ive never heard of this happening it certainly has never happened to me before, and I think its illegal to do Im a lawyer I think its a conversion of my money that was intended for one purpose and they failed to apply it to that purpose immediately or within a reasonable time, a day or two. Where did my money go? Why weren't my payments applied right away and were put on hold for an outrageous amount of time. When I make a payment on my card I expect the payment to be applied right away or within a reasonable amount of time. This totally screwed me. I was not only out my money in my checking account but also had no room on card to charge when I was out of town. I couldve paid another card and used that card. I wrote a letter to the Office of Chairman XXXX XXXX XXXX with no resolution.