23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/year> PHH mortgage paid my Home owners insurance ( {$2800.00} ) from my Escrow account. On XX/XX/year> I made a {$1700.00} payment toward my Escrow shortage and requested an escrow analysis and was told on a RECORDED LINE that it would take 10 days by the agent. On XXXX XXXX PHH mistakenly sent a duplicate payment to my home owners insurance of {$2800.00} again and didnt even notify me of the mistake they made. On XXXX XXXX I made another escrow shortage payment of {$1100.00} and requested a XXXX escrow analysis and assured on a RECORDED LINE by phh agent that the new payment would be effective for my XXXX month payment. I call back exactly XXXX business days for my new escrow analysis and they report that they do not see it on my account. The agent then tells me that my new payment wont take effect until XXXX. I reminds them of the assurance of the agent I spoke with and they stated they would reach out to the escrow team to have it fixed and told that I had to do a skip payment in the meantime time so that the wrong amount wouldnt come out. I called back multiple times for resolution and constantly requested a supervisor and have continuously been given the run around. I called back today XX/XX/XXXX, and was transferred to the escalation team who told me on a RECORDED LINE that nothing is going to change whether I speak with supervisor or not and offered no resolution to the problem or apology for this inconvenience and run around. I do not trust this mortgage company and believe they have no intention of rectifying this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity/ personal information was stolen and used to fraudulently open several accounts. I have spent the an enormous amount of time contacting the 3 credit bureaus to dispute the in accurate information to no avail. Im asking you to help me get my life back. 

TRANSUNIONXXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX  {$500.00} XXXX XXXX  XXXX. {$100.00} XXXX XXXX. {$5100.00} DEPT OF EDXXXX XXXX {$7900.00} DEPT OF ED/XXXX {$5500.00} XXXX XXXX XXXXXXXX {$200.00} XXXX XXXX {$9900.00} XXXX XXXX {$5400.00} XXXX XXXX  {$0.00} XXXX XXXX {$0.00} XXXX {$0.00} XXXX XXXX XXXX  {$0.00} BANKRUPTCY XXXX XXXX XXXX XXXX XXXX XXXX$400.00} XXXX XXXX {$350.00} XXXX XXXX {$480.00} XXXX XXXX  XXXX {$930.00} XXXX XXXX XXXX {$3300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I XXXX XXXX the consumer, sent XXXX, XXXX, and EXPERIAN ( The CRAs ) certified mail informing them that Im a victim of identity theft. In that correspondence I made notice that the CRAs have 4 days upon receipt to block all information inside my identity theft report ; pursuant to 15 USC 1681c-2 ( see attached file ). The CRAs are in violation of 15 USC 1681 for failing their grave responsibility of reporting with fairness, accuracy, impartiality, and violating my right to privacy. All of the items inside my identity theft report are unauthorized, unvalidated, And being fictitiously reported. As stated, I am a victim of identity theft and will not be sending any non public information to an elaborate mechanism. I will attach my proof of identity, statement of identity, along with my proof address Via CFPB ( see attached file ). Inside my correspondence I made The CRAs aware of my disapproval of generic responses or XXXX  I dont consent to any computer generated responses or correspondence outside of the first person. My FTC report, Proof of Identity, Statement of Identity, Proof of Address, Last 4 of Social, as well as clear specification of the fraudulent accounts, stands as enough identification to prevent stalling tactics and non compliance. This is an Urgent Matter ; the false misleading reporting is hurting my ability to obtain credit. ( For this complaint The CRAs or the XXXX XXXX XXXX XXXX XXXX XXXX XXXX & EXPERIAN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion, XXXX, and XXXX  are reporting an account that is deficient of Physically verified validation. The account is XXXX XXXX Mortgage. This is an inaccurate account and needs to be removed from my consumer report. Under the FCRA the credit agencies are supposed to report accurate information. This is a violation.
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 XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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 an 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: Credit reporting or other personal consumer reports

I'm thankful that XXXX has effectively resolved all the fraudulent inquiries reported on my XXXX credit report. Nevertheless, Experian has not yet cleared the remaining inquiries from my credit file, and XXXX has yet to address the fraudulent inquiries as they have not taken any action to remove them. I respectfully ask the Consumer Financial Protection Bureau ( CFPB ) to ensure the prompt removal of these lingering fraudulent inquiries from my credit file by both Experian and XXXX Credit Bureaus. 
EXPERIAN : 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: Student loan

I was advised to consolidate my XXXX parent plus loans ; I was told my payments would be lower. I financed {$67000.00}. combined and I later found out I now owe $ XXXX. When we make payments the balance increases instead of decreasing. I was told to apply for the wrong type of loan. I do n't pay this loan my daughter does and she earns half of what I earn and yet they told me to apply for the income driven loan. Her payments are about {$500.00}. a month, graduated. They will increase every two years, I was told over till 348 months go by. This is robbery! Today I found out all our payments only go to interest of course this loan will never be repaid. I 'm outraged how this kind of abuse is permitted by our government is unimaginable, it sounds like a real estate racket to me, this is wrong! Why would anyone want to pay for something forever without making a dent in their debt? We even asked to transfer the loan under her name in hopes of a lower payment/interest and balance due to her income and they refused to help us. This is not right, someone has to put a stop to this robbery. Every time I speak to someone for help with more options I hear a different story as if they make this stuff up along the way. This is horrifying and now my credit is forever ruined and I can not even think of buying a home, ever and I 'm XXXX. This is beyond extreme. What can I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

These fraudulent inquiries were placed on my report, how I don't know. I sent in a dispute letter and an ftc report, but I haven't received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint cites serious violations of the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974 committed by XXXX XXXX XXXX XXXX. These violations have resulted in significant harm to my privacy and have impacted my consumer rights. I hereby request a remedy in accordance with 15 USC 1681n for the damages incurred.

The specific violations are as follows : 1. Violations of 15 USC 6802-6805 and the Privacy Act of 1974 : Unauthorized Sharing of Personal Information. 

XXXX XXXX XXXX XXXX has unlawfully shared my personal information without my consent or any legal basis, thereby violating my rights under 15 USC 6802-6805, Privacy Act of 1974 as well as their very own Privacy Notice which is attached to this complaint. This unauthorized sharing of my personal information has resulted in a breach of my privacy and caused me distress and concern. I demand that XXXX XXXX XXXX XXXX immediately cease any further sharing of my personal information and to take appropriate measures to prevent such unauthorized disclosures in the future.

2. Violation of 15 USC 1681A ( 2 ) ( 1 ) : Improper Disclosure of Experiences and Transactions. 

In addition to the aforementioned violations, I have discovered that XXXX XXXX XXXX XXXX has improperly shared my experiences and transactions on five separate occasions during the period of XXXX to XXXX, XXXX, and Transunion. This disclosure of sensitive personal information without my consent is a clear violation of 15 USC 1681A ( 2 ) ( 1 ). I request that XXXX XXXX XXXX XXXX take immediate action to rectify this violation and ensure that my experiences and transactions are not further disclosed without lawful justification.
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 and # XXXX XXXX has violated my rights. 


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: Credit reporting, credit repair services, or other personal consumer reports

I disputed this XXXX XXXX account with experian in XXXX and I notified them that this agency failed to validate this information. Experian refused to investigate and only parroted back that " this company verified this account as accurate. '' How do you " verify '' failure to show validation? This makes me believe that experian has failed to investigate my claims. They have not shown any proof of such verified information and claim that they dont have to. Then how do you verifiy an account without documentation? The law states I can request whatever you have in my file and I can request proof of your investigation documentation not just your results that says verified updated or deleted. How did you reach this conclusion?
Product: Credit card

On XX/XX/XXXX I checked my Chase credit card ( last four digits ending in XXXX ) statement and noticed a fraudulent charge in the amount of {$1600.00}. The fraud occurred at XXXX 's XXXX XXXX ( XXXX XXXX XXXX in XXXX XXXX ). I then noticed a confirmation email from XXXX 's XXXX XXXX dated XX/XX/XXXX at XXXX XXXX. The confirmation email stated that someone purchased a XXXX 's XXXX XXXX bundle for the previously mention dollar amount. 
Based upon seeing this email and fraudulent credit charge, I determined that my credit card information and email address have been fraudulently compromised and used to purchase the XXXX 's XXXX XXXX bundle. I called Chase and disputed the transaction. The {$1600.00} was refunded without issue. 
On XX/XX/XXXX, I checked my Chase bank statement and noticed that the {$1600.00} was reinstated and charged to my Chase account. I called Chase customer service who stated that they noticed I received an email confirmation from XXXX 's which made it look like the XXXX 's tickets were genuinely purchased by me. Chase directed me to contact XXXX 's to dispute the charge. I called XXXX 's who stated they could not help me at this time. 
As of writing this report, I have not been refunded by Chase or XXXX 's. Please look into this incident as soon as you can. I am interested in pressing charges against the suspect ( s ) who accessed my credit card. I did not authorize anyone to use my credit card for these charges and did not make these charges myself. Please help if you can. Thank you.
Product: Credit reporting or other personal consumer reports

This is my numerous 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. 
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 card or prepaid card

On XX/XX/2022 I called Bank of America to increase my credit limit. I had already had XXXX credit cards with Bank of America. One credit card had a limit {$75000.00} the other card had a limit of about {$20000.00}. I requested my card with the {$20000.00} limit to be increased to {$60000.00}. The XXXX  I spoke to read some disclosures saying Bank Of America may pull from the limit of one card to the other card during this process. But Bank Of America countered my increase request with an approved new limit of {$31000.00}. when I asked the representative if they pulled from my other limit or if this was a straight up increase she said it was just considered an increase. but when I checked my mobile application I saw that my other credit card limit was reduced from XXXX to XXXX. So they did indeed decrease the limit of one card to increase the limit on the other card, which was not what I wanted to do! Furthermore the XXXX  at Bank of America said I was considered a preferred customer. And that they cant tell me if I had already reached an internal maximum limit within Bank of Americas credit cards. So Im going through this process not knowing if I had already reached my limit. My credit score is exceptional and so is my credit rating so Im not satisfied with the reasons theyre giving me that my request to increase my limit was not honored. I feel like some form of discrimination and misrepresentation is taking place at Bank of America
Product: Mortgage

I recently applied to refinance my home mortgage in XXXX of XXXX. After waiting about a month for Sun Trust to contact me, I re-contacted them and explained that I was interested in refinancing 2 loans on my primary residence - XXXX XXXX XXXX. Both are with Suntrust, and I have done business with Suntrust for over 15 years. Both mortgages are at approximately 6 %. 
I explained my situation to Suntrusts loan agent, XXXX XXXX. My oldest daughter is a rising senior, and if possible, I wanted to add a XXXX, XXXX home equity. That was not essential - the main thing was to refinance my 2 loans that Suntrust already held at a lower interest rate, as promised in multiple mailers I had received from Suntrust Mortgage. 
Instead, I was told I had to add a {$95000.00} loan associated with a rental property of mine. I also had to immediately complete my XXXX taxes by XX/XX/XXXX, ( this was in early XXXX ) even though the Federal deadline wasn't until XX/XX/XXXX. I was also contacted by the underwriter, XXXX XXXX, and provided all documents he requested as well. 
I was charged approximately {$490.00} in fees and almost immediately after my bank account was debited, I received a mail notice from Suntrust that I had been denied my refinance. I attempted to contact the phone number on the rejection notice and was placed in XXXX XXXX ' voicemail. My call was never returned. 
I feel that this was a complete bait and switch. I am a veteran and have paid both mortgages every month for the entire life of the loans. To withhold a refinance for a longtime loyal customer like myself is not just poor business, it is morally corrupt. I would like my fees returned - my home was never appraised, and my understanding that was a large portion of the fee.
Product: Student loan

My loan repayment is extremely high with high interest rates. Repaying the loan is difficult with my salary I am currently collecting. Trying to talk to them to lower my monthly payments is a struggle, and forbearance actually hurt me when I tried it once. They still charged me after I fell behind on my loans and needed assistance by placing me in a forbearance for XXXX months, where I still paid close to {$500.00} per month.
Product: Money transfer, virtual currency, or money service

I initiated a *Same day* international bank wire. It was not received by my intended recipient. 
Bank of America sent me the following message but they never notified me of any problem : We have successfully sent the following transfer : ********************************************* Confirmation # : XXXX XXXX number : XXXX Amount : {$7900.00} Fee : XXXX Send on Date : XX/XX/2018 Service : International Transfer status : Complete ********************************************* If there is a problem with executing your request, we will notify you both by email and on the Manage Accounts tab. You can always check your transfer status on the Review Transfer screen at www.bankofamerica.com. 

Sincerely, Member Service www.bankofamerica.com
Product: Mortgage

I have worked for the same employer and have recently become XXXX and I am collecting Social Security XXXX. I have been denied loan modification on 5 occasions since XXXX 2015. The 1st because I was current with my payments and was told I needed to be 3 months behind to qualify. 2nd, after falling behind 3 months denied due to NOT being current. The 3rd denial was due to " not making trial payments on a internal modification offer. '' The modification offer was on the last XXXX pages of a booklet which instructed me to fill out firms which were already received by the mortgage company. There was no reference to any modification being included in the packet. I did not thoroughly read through the entire packet and resent the forms that I previously sent, which were the same forms the packet requested. After sending the firms, again, I followed up, and to my surprise, was told about the " modification offer ''. I went through the packet and found it on the last XXXX pages. The offer was the same interest rate and the mortgage being extended to 40 years. Although I was in financial difficulty, the offer would have saved a minimal amount of money and I felt it would only hurt my situation in the long run, knowing my XXXX. I called to discuss with my assigned rep. ( Whose name I have ), and was told I did have to accept the modification offer and by not accepting, it would allow my loan to be reviewed again for other, more helpful, modification offers. Within a week, I received a notice that I was denied for " not making the trial modification payments. '' After the 3rd denial, each time I was asked for the same documents multiple times. Each time I sent documents, through email, fax, and USPS. I have proof that all documents were received, including a documents from my account page on the mortgage company website, that states all forms required were received and the modification was being reviewed. 
I knew I was being pushed aside by the mortgage company, that for some reason was working very hard to not help me with the modification but I thought at some point they would have to make me a offer if I hung in there and kept giving them what they were asking for. After the 5th denial in 1 year and do n't know where to turn. I have a wife and XXXX children and have drained my savings and feel my hands are tied. I have always worked and provided for my family. I feel the modification were being encouraged for people in my situation, if not who would they possibly be for. 
I would greatly appreciate any help you can offer.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and dissatisfaction with your lack of response to my previous complaints submitted on seven separate occasions. Despite my repeated attempts to address serious issues concerning my credit report, I have yet to receive any acknowledgment or resolution from your office, XXXX, XXXX, EXPERIAN I am currently a victim of identity theft, which has resulted in unauthorized accounts being opened in my name and subsequently reported on my credit file. Additionally, I have noticed collections appearing on my report that I did not authorize. These inaccuracies are significantly affecting my credit standing and causing me considerable distress. The Fair Credit Reporting Act ( FCRA ) entitles me to a prompt and thorough investigation of any disputed information on my credit report. Your continued failure to respond not only violates these rights but also exacerbates the financial and emotional toll of the identity theft I am experiencing.
Product: Debt collection

1 ) ACCOUNT IS IDENTITY THEFT FRAUD, BY XXXX XXXX XXXX ) ACCOUNT REPORTED TO LAW ENFORCEMENT AS IDENTITY THEFT FRAUD, 3 ) COLLECTION COMPANY KEEPS HARRASSING ME 4 ) ACCOUNT IS NOT MINE 5 ) ACCOUNT OPENED BY ANOTHER PERSON 6 ) XXXX XXXX HAVE VIOLATED MY CIVIL RIGHTS BY ENGAGING A FRAUDULANT CLAIM AGAINST ME 7 ) MCCARTHY, BURGESS, & WOLF HAVE VIOLATED MY CIVIL RIGHTS BY ENGAGING A FRAUDULANT CLAIM AGAINST ME
Product: Money transfer, virtual currency, or money service

I deposited a cashiers check on XX/XX/XXXX of a total amount of {$10000.00} to my wellsfargo saving account. My receipt stated funds would be available on XXXX/XXXX/23 and they were not. I went to the bank directly and teller informed me a second hold was placed on the check and that I would have to resolve the issue with customer service. I called customer service regarding the issue and was informed a message was sent to me via the app messaging system regarding the hold. I never received an email regarding a new message on my wellsfargo app or an email regarding the hold on the cashiers check. I spoke with customer service and they informed me there was nothing they could do to expedite the process or release the funds. 

My wellsfargo mobile app shows the funds in green as processed and does not state any message regarding the funds pending for any reason which is leading to confusion. 

I then had the person who wrote the check contact their bank ( XXXX ) and on their end they stated there were no issues disclosed with the account the check originated from and that the funds were released to wellsfargo on XX/XX/XXXX/23.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX. 

Account name : # XXXX XXXXXXXX XXXX XXXX Account number : # XXXX,, has violated my rights. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX 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 XXXX XXXX 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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.