23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I entered a one-year forbearance plan in XX/XX/XXXX. From my understanding, the forbearance was from XX/XX/XXXX to XX/XX/XXXX. In hopes of addressing the back owed amount prior to the forbearance ending, I reached out to Bank of America in XX/XX/XXXX to confirm my options. BofAs representative advised that I had to pay the entire forbearance upfront. Concerned with the threat of foreclosure, I agreed to look into it and follow back up. 

I reviewed the CARES Act and called BofA back to assert my rights. I was told to submit a request for mortgage assistance through their portal with the guidance of their Home Loan Assistance Document Checklist. The portal stated the process would conclude within 10 days. I maintained close communication with my assigned representative, XXXX XXXX, who confirmed on XX/XX/XXXX that my loan was being updated with modified terms. 

I did not hear anything else for over a month. Concerned with the forbearance ending soon, I connected with XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ). I submitted a third-party authorization form via BofAs online portal on XX/XX/XXXX. I followed up on XX/XX/XXXX and their representatives claimed it was not on their system, so I resubmitted it and XXXX faxed it that same day too. BofAs representative XXXX advised me to resume my mortgage payments after XX/XX/XXXX while everything was finalized. 

XXXX explained that because I was able to resume my mortgage payments, I would qualify for a standalone partial claim under the FHA post-forbearance guidelines through the CARES Act, since my loan is an FHA mortgage. I decided to proceed with a standalone partial claim request, especially since my XXXX request for mortgage assistance was getting nowhere, hoping this would finally resolve the forbearance. 

XXXX requested a standalone partial claim on XX/XX/XXXX. BofAs representative stated that the paperwork would arrive via XXXX within 5 8 business days. On XX/XX/XXXX XXXX followed up, since I had yet to receive paperwork, and BofAs representative claimed the paperwork could not be mailed out until I was out of the forbearance plan. The second representative recorded the request and stated it could take up to two weeks to confirm if I can be evaluated for it. 

XXXX followed up on XX/XX/XXXX. BofAs representatives refused to continue communicating with XXXX, claiming XXXX was not authorized on the account. I followed up on XX/XX/XXXX. BofAs representative XXXX claimed their records reflected that I did not qualify for a standalone partial claim because I was not current prior to the forbearance. 

I requested an escalation, since I was current prior to entering the forbearance, which he said would take 7 10 business days. I followed up after the 10 days and was advised that there was no record of the escalation request, therefore it would take 7 10 additional business days. I followed up after the additional 10 days and was told there was no update to my escalation.
Product: Checking or savings account

Ally is threatening to close my account as part of retaliation ( due to complaint made to CFPB ). Now i wanted to cancel one of the outbound transaction. Reached out to ally during XXXX XXXX to XXXX XXXX Central time ( at this time their system was up and scheduled for maintenance at XXXXXXXX XXXX  EST ). chatted with ally XXXX XXXX. She shamelessly asked me to call Ally customer service. I called Ally customer service and happen to talk to XXXX interaction ID XXXX. 

Both XXXX and XXXX are in the weekend mode and simply passing me from one place to another. Why can't they cancel the transaction of {$1000.00} going to my XXXX account when system is up? If they can't do it now, why can't they make a note of customer request and do it when the system is up rather than asking customer to call again? 


Total waste of time and efforts for me.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate unverifiable accounts unresolved. Such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As well as 4 addresses that I have never lived. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. these failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help
Product: Credit card

Contacted Capital One Credit Card services before my due date and was told couldn't apply for hardship help because my account was still in good standing. They contacted me after the I missed my first payment after XX/XX/2024, which I let them know that I needed hardship assistance. Capital One representative told me that I still had time to make a payment. I assured them that I wasn't sure if I would be back to work. In XX/XX/2024, after missing my second payment a customer service representative called to inquire about my missed payment which I stated I needed a hardship assistance. The representative told me because I had only missed two payments they couldn't help me. Hardships are for six or more missed payments.
Product: Vehicle loan or lease

Financed the remaining balance of my lease with XXXX XXXX XXXX on XX/XX/2023. XXXX XXXX aka Chase show the balance paide off on XX/XX/2023. I was told that they needed a new copy of the odometer documentation. That was sent by XXXX. XXXX received " I filled out an online form of same. Did not hear anything else. Meanwhile, XXXX team reaches out to Chase multiple times but they refuse to discuss situation with them even though XXXX now owned the financing. I knew nothing of these conversations until my loan rate increase to 21 % as of XX/XX/2023. I contacted XXXX, contacted Chase. Visited the XXXX XXXX on XX/XX/XXXX and the branch XXXX printed out the entire loan package including an confirmed correct odometer reading. I took the package to XXXX that day and confirmed that it was signed for on XX/XX/XXXX. Expecting the title, I called and was told XXXX XXXX XXXX up to XXXX weeks. It was already XXXX weeks from receipt. Spoke to a supervisors, XXXX, ID XXXX and then XXXX ID XXXX. XXXX discovered that the title had still not been released because they did not have the Colorado Tax form. That had never been mentioned. Last week I got on the phone with Chase again with XXXX 's XXXX. She sent the Colorado XXXX for to XXXX and the title company. I called today and now they are waiting on the response from the CO XXXX XXXX. Meanwhile I wait with not XXXX. I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a Victim of Identity Theft On XX/XX/XXXX i have sent a Certified letter to Experian requesting them to block fraudlent accounts from my Credit report pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ).

In the letter i included Copy of my Drivers License Copy of my Social Security Card Copy of current utility bill Copy of FTC Identitiy theft report Copy of my credit report ( identifing the fraudlent accounts )  Statement that the information for said accounts are not related to me and are result of identity theft. 

As of today XX/XX/XXXX the fraudlent accounts are not being blocked from my credit report. 

I am attaching the copy of paperwork that was sent to experian in my letter along with the copy of certified mail reciept from usps
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Mortgage

I've been trying to complete a loan modification with LoanCare since XX/XX/XXXX. I've sent 37 emails and called countless times. Most of the time, I wait on hold, get transferred, and disconnected. When I do get through to someone, they don't know the status of my mod, they ask questions, then they come up with something else that is missing. There is no communication from the company in writing, via phone, or via mail unless I initiate it. When I send an email demanding a phone call, I receive an automated call asking me to call them which leads to more wait times, transfers, and disconnects. I've sent more documents than I've ever done before when purchasing a home, but because of the lag time on their end, each time I call, they want more paystubs because the ones on file are " expired ''. My online account is disabled, so I can not make a payment even though I've asked to do so. There is no way I can refinance the property, sell it, or even move forward on a business endeavor I've been working on until this is resolved. LoanCare has given me no option but to file a complaint about their inaction and poor communication. I initially thought they were just busy and overwhelmed, but I am beginning to think there is something untoward going on. I have a credit score in the 700 's, I've never missed a payment, and I find this unacceptable. I would never have opted to do business with LoanCare as their reviews are terrible, but unfortunately, XXXX transferred my loan to the company sometime during the pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX  XXXX XXXX Balance : {$2800.00}
Product: Debt collection

XXXX XXXX filed a complaint of an amount owed, for which I received a Civil Summons in XXXX. The amount due was in connection with a XXXX XXXX credit card. I was not aware of this debt before receiving the summons. After receiving the summons, I called numerous times to find out when these charges occurred and what they were for. XXXX XXXX credit department said I had a XXXX balance due on my accounts. XXXX XXXX said I should contact the collector, Javitch Block LLC. 

We have probably spent approximately 20 hours over the last 9 weeks trying to resolve this issue, most of which has been on hold with the parties mentioned above, attempting to get information on the charges. That doesn't include the emotional stress caused by this action. I have been told multiple times that the information would be mailed, but I still have not received that information, and they refused to email anything. Instead, they sent only only two statements from 2015 showing a XXXX  balance due, and which do not include any of the charges in question. If an amount was owed, why can XXXX XXXX not produce a simple account history so that I can review the charges made on the account? My understanding is that these charges were from several years ago, and I no longer have statements for them. According to CFPB.gov, banks should respond to complaints in 15 days. I find that doubtful, since I have been trying to get basic account history information from XXXX for 9 weeks, with no success, on an account for which they decided to take legal action against me.
Product: Prepaid card

Unable to use my gift cards for any online purchases. Tried on newegg, XXXX XXXX, XXXX, XXXX. All transactions come back and say that the transaction was denied by issuing bank. 

I filed an earlier complaint through CFPB and was this was successfully resolved by receiving a check in the full amount of the balance. That previous complaint number was XXXX, but I have additional cards that are also unuseable with the above vendors. I am seeking the same resolution for these cards as I received before. 

Here are the all the card numbers and their balances : XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX Balance : {$13.00} ( card started with a {$100.00} but has been charged a $ XXXX  monthly fee since issuance. Card has never been used ) XXXX XXXX XXXX Balance : {$13.00} ( card started with a {$100.00} but has been charged a $ XXXX  monthly fee since issuance. Card has never been used ) Total Due : {$820.00} or {$1000.00} if issuance fee on the last two cards is waived.
Product: Debt collection

This account is not mine and needs to be removed from my credit report. I have requested documentation showing this account was owned by me ( they claimed they had my signature with brinks ) to no avail. When I spoke to them today they said my only course is to claim fraud and that was it. No they are in violation of FCRA. Furthermore they list the debt beginning date of XX/XX/XXXX. But on the phone with them this morning they stated it was from XXXX. Lastly, my alarm system is adt and not brinks. Never has been. This needs to be rectified immediately or I will bring forth legal actions from my attorney. And yes I will do so over XXXX they claim I owe. Because what they are doing is predatory and illegal.
Product: Checking or savings account

On XX/XX/XXXX I mailed a dispute letter concerning Identity theft that was opened under my name with Arvest Bank. Till date I have not received any kind of response relating to my dispute of a checking account being opened in my name. I've still XXXX  at XXXX XXXX XXXX XXXX in XXXX ok since XX/XX/XXXX and I have been in the Oklahoma department XXXX XXXX since XX/XX/XXXX. There's no way I could've have opened this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Basically after a brief search of my credit history yielded no current history since roughly 2012. I reached out to all 3 credit card reporting agency 's, they said that my creditors were not reporting my status? Finding that odd since I have been with the same financial institute for years. I asked them and they have been, they also submitted a dispute with all 3 agency 's. The result was determined because I only have one name these agency 's were and are not reporting my history.

I called all 3 explaining what my legal name is. After several attempts they finally said send a letter with proof of ssn, and drivers license. Which I did and then waited several days. I received from XXXX  2 documents of the same content with different dates showing no corrections.

I then started to call all 3 agency 's only to find that even though XXXX  said they received the letter they weren't reporting? For what reason I could not understand. My call was routed outside of the US to XXXX I believe, I am not sure why my credit history and or reporting is done outside the US. 
I did not feel comfortable as I had given out enough personal information and still they are not reporting my history. I am a XXXX old man and a XXXX XXXX with no credit history?? These 3 agency 's I assume because of my name are not reporting or making public my credit history????????????????
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN XXXX was never late! I have had exceptional payment history 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 to be updated.

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. 


EXPERIAN 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! 


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

The Original Debt. was settled and Closed with a XXXX Balance with XXXXXXXX XXXX however, After settlement the settled Debt. was sold as if never PAID to XXXX XXXX in the Amount of {$680.00} and I been Disputing it because it was Closed & Settled with XXXXXXXX XXXX. 
However, I do not have the File number but the Dispute with TransUnion Dated on XX/XX/year> was NOT completed until early XXXX VIOLATED the Consumer 's Fair Credit Act rights as required by the act to reply within 30 Days. 
In light of this Violation I think the Company should PAY the Violation FEE of {$1000.00} and Remove the Collection from My Credit report which by the State of Texas Statute of DEBT Limitation Law of 4 Years has expired making it a Non Valid DEBT. in fact BOTH of My Portfolio Recovery Debts are beyond the Statute of Limitations and should be removed from My Credit Report. 
I Do Not appreciate the fact that the Notes say : Account information disputed by consumer, meets FCRA requirements when in reality how does it meet FCRA requirements when it was an active unresolved Dispute from XXXX to XXXX that is in fact a Direct Violation of My rights under the FCRA Law.
Product: Debt collection

XXXX XXXX Original institutional : Syncrony bank Balance {$1600.00} Date assigned XX/XX/2019 Been more 7 years by law they cant force me pay this amount Need be removed from my credit collections
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reading my credit report from XXXX and found that my credit score is affected by an account of a credit card that is not mine. The account is now closed, the balance is higher that the credit limit, the account does n't receive a payment since may and my credit is suffering. It says that I am authorized user and I have n't authorize nobody and no company to put me on any credit card of nobody. The account type is " Flexible Spending ''. The account was opened on XXXX XXXX, XXXX and closed of XXXX XXXX, XXXX. The actual balance is {$3800.00}, the limit is {$3400.00} and the highest balance was {$3900.00}. On payment status it says 120-149 days late. The creditor name is CITICARDS CBNA. I called XXXX and they told me they ca n't do anything because the receive the report from the creditor, that I need to call the creditor. I called CITI and they told me that there is no account by my name and that they have credit cards also for a lot of stores and that I need to call XXXX ( the ping pong game ). Now nobody can help me and my score keeps going down.