23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XXXX/XXXX/XXXX I was approve for a trial modification loan with Chase for my equity loan. My orginal service manage was XXXX who told me to start my 1st payment on XXXX/XXXX/XXXX of XXXX. I questioned my 1st payment date because per my promisary note my payment date is XXXX of month with grace period XXXX. But XXXX insist I have to make my trial payments starting XXXX XXXX thru XXXX XXXX and not to make the XXXX XXXX payment, I told I would need that in writing which she said it will be mailed XXXX/XXXX/XXXX. I made my 1st payment on XXXX XXXX and around XX/XX/XXXX I was blocked from reviewing my account online, when I question why XXXX told me due to my account status I cant reviewing account and I would have to call them to get information. I did notice before I was blocked my payment was going to interest only. I completed my trial payment on XXXX XXXX I called my service manager XXXX but spoke to XXXX on XXXX XXXX to question when will I receive my permanent modification package he said usually about 10 to 30 days after my 4th payment. XXXX said just to continue to make payment so XXXX. I ask was XXXX still my service manager he said yes, I told him I have n't heard from her in about a month. I received a letter on XX/XX/XXXX saying my new manager was XXXX who I called the same day and left a voice mail XXXX. I call back XX/XX/XXXX XXXX and spoke to XXXX because I received a new modification loan package and had just completed my trial payments, she said ignor that package, and that she do show where I have completed my trial payment. She said I will receive my permanent papers XXXX to 30 days. XXXX called XX/XX/XXXX XXXX, she said the permanent papers have been completed and XXXX I should receive them next week if not call her on XXXX. I question what the loan consist of she said it XXXX loan with a XXXX interest rate monthly payment XXXX. I question the 40 years with 8.0 interest rate because the rate Im paying now is 8.8 with 11 years left in my loan. She said the loan I have now interest rate can go up to 13 %, I said my loan now is at a fix rate 8.8. XXXX said just wait until I get the paper and I only have until XXXX XXXX to sign and notaries. I called on XX/XX/XXXX XXXX spoke to XXXX about not receiving permanent papers, He said he see where the paper was prepared on XXXX/XXXX/XXXX but new mod paper was prepared on XX/XX/XXXX and I should receive them no later than XX/XX/XXXX, if I do n't receive them call early on XX/XX/XXXX. I ask XXXX if he had a tracking number he said no, I ask was the total of back payments I owe he said XXXX, balance I owe is XXXX and I 'm 98 days behind. I called back XX/XX/XXXX XXXX spoke to XXXX who gave me a tracking number. I went online to check status of tracking number which stated label has been created schedule delivery date XX/XX/XXXX. I check status again on XX/XX/XXXX which stated label created delivery date pending. I called XXXX spoke to XXXX on XXXX/XXXX/XXXX XXXX and she said call the sender because they have n't release it. I call XX/XX/XXXX XXXX spoke with XXXX she said no one there from modication and system down
Product: Credit card or prepaid card

I submitted a claim with bank of America regarding an airline refund through XXXX. The airline provided me with a full refund waiver back in XX/XX/2022, which I promptly submitted to XXXX that same day for processing. Since then, it has been back and forth with XXXX and agents repeating the same thing ( such as the airline asked us to email them the waiver or we will contact you within XXXX business days and I never receive a call ). Ultimately, the airline processed my refund and XXXX held up the money and pretended to be working my case. From the time I submitted the waiver, I saw XXXX reissued an airline credit for the refund to my account and I quickly contacted them to correct that I was seeking full refund to my card and not an airline credit -- which the airline was also giving me my money back and not an airline credit. XXXX told me not to worry and that it was standard procedure until they refunded to my card. I also contacted Bank of America and was told to stay resolving with the merchant first and XXXX told me XXXX weeks to resolve. Now XXXX  months later, XXXX is still giving me run around and my formal dispute with Bank of America was denied because it was outside timeframe, even though they told me to stick with XXXX and let them resolve the issue. I can not afford to lose this money and I depend on the refund for my financial wellbeing. I do not know who to turn to anymore. I have XXXX of pages of chats with XXXX where agents reassured me I would get refunded, only to have the next agent the following week say they don't have enough information. Your assistance would be greatly appreciated here.
Product: Debt collection

After reviewing my credit profile on XX/XX/2021 I identified a discrepancy with account listed under Phoenix Recovery Group and requested a validation on XX/XX/2021 as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2021 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me nor has any update been made on my credit report to reflect that the accounts are disputed and therefore a 2nd validation letter was sent out on this day. As of XX/XX/2021 I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Product: Credit reporting or other personal consumer reports

NCB MANAGMENT SERVICES XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX Amount - {$5800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. XXXX, XXXX Amount- {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX Amount- {$7800.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. XXXX, XXXX Amount- {$4900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX Amount- {$1000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX Amount- {$480.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX Amount- {$520.00} Under 15USC 1692C. The law states if a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication.
Product: Debt collection

Transworld Systems Inc. 

Subject : Disputing Incorrect Debt Collection Notice Dear Sir/Madam, I am writing to contest a debt collection notice that I recently received from your company, Transworld Systems Inc. , regarding an alleged outstanding debt under my name. I want to assert that this debt does not belong to me, and I firmly believe that a mistake has been made. 

I have made several diligent attempts to contact the Department of Treasury in order to seek clarification and resolve this matter. Regrettably, my efforts have been in vain as the phone lines have consistently been busy, preventing me from receiving the necessary assistance. Given the urgency of addressing this issue, I am seeking resolution through alternate means. 

In addition, I must bring to your attention that I have been a victim of XXXX XXXX, which has left me physically and mentally unwell. My tumultuous experiences during this time have severely affected my personal and financial life. However, I am now taking proactive measures to regain control of my life and my identity. 

Therefore, I kindly request your cooperation in verifying all the information associated with this alleged debt with an attorney, who can serve as an impartial third party. I believe it is crucial to have a careful examination of all the facts in order to rectify any inaccuracies promptly. 

To support my claim, I hereby provide you with the official XXXX XXXX  case number assigned to my situation : XXXX. I urge you to treat this matter with the utmost seriousness, and I sincerely implore you to conduct a thorough investigation into the debt in question. 

I understand the responsibilities and obligations entailed in your role as a debt collector, and I sincerely appreciate your cooperation in resolving this matter as efficiently and promptly as possible. I look forward to your prompt response, acknowledging the dispute, and providing clarification and a resolution. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I have been looking for a savings account with good rates to put my money for a while, and stumbled upon Citibank accelerated savings account, so I opted to open an account through their mobile app, since I already have a credit card from Citi. 
* On XX/XX/2020 I opened the new account and received a welcome email from Citi to go ahead and deposit funds * On the same day ( XX/XX/2020 ) I deposited {$5000.00} into the savings account * The following day, XX/XX/2020, I logged in to check that the funds were deposited successfully. 
* To my surprise, my account has been frozen * after several calls to customer service, I realized that the account was frozen due to fraud alert * after calling the fraud department, I understood that they had an alert for fraud activity in the account so they froze it. 
* They say that I need to go to a Citi branch and verify my identity * here is the problem : I live in Washington state. There is no Citi branch in Washington state. The nearest branch is in California, a couple of hours flight from my location. Citi has no solution for me, especially in the current situation with covid-19. They are holding my {$5000.00} with no way for me to retrieve them until I authenticate my identity in their out-of-my-state branch. So bad!
Product: Mortgage

XXXX XXXX was purchased by Mr. Cooper on or about XX/XX/2019. However, neither company has notified me that the servicing of the loan had transferred. 

I received a letter today XX/XX/2019 via USPS certified mailed indicating that the loan was in default. Since I do not where, when, or if any of my payments made to XXXX have been credit towards the mortgage either before or after servicing was transferred, I am not able to verify the legitimacy of the information contained in the attached letter. 

The loan was paid ahead by two mortgage payments for some time now. The last mortgage payment that was made was on XX/XX/2019 for the XX/XX/2019 installment. 

I am very concerned that the payments that have been sent electronically sent to XXXX are unaccounted for and the money has been distributed to unknown entities.
Product: Credit reporting or other personal consumer reports

I am disputing the accuracy of specific items on my credit report, as detailed in my attached dispute letter and notarized affidavit. As a verified victim of the XXXX XXXX XXXX, my personally identifiable information ( PII ) was compromised, leading to unauthorized accounts and inquiries on my credit file. 

Notably, the account " XXXX XXXX ( Account XXXX : XXXX ) '' resulted from this breach. Reporting this account without my explicit consent violates the permissible purpose requirements under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b.

Additionally, I am concerned about Experian 's dispute-handling practices, as highlighted in the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit filed against Experian on XX/XX/year>. The CFPB alleges that Experian conducts inadequate investigations into consumer disputes, fails to convey all relevant dispute information to furnishers, relies on furnishers ' responses without proper review, and reinserts inaccurate information into consumer reports.
Product: Credit reporting or other personal consumer reports

Equifax Dear Equifax, I am writing to express my frustration and disappointment with the experience I had while attempting to obtain my credit report from your agency. Unlike other major credit bureaus, I encountered unnecessary obstacles, including requests for additional steps such as providing a picture and ID. 

This discrepancy raises concerns about fairness and consistency in your processes. The fact that other agencies did not require such steps while Equifax did has left me feeling singled out and discriminated against. I find it perplexing that, as a consumer, I am subjected to different verification procedures. 

During my interaction with your Customer Service representative, I was disturbed by the negative statement implying my lack of knowledge about credit. Such remarks are unprofessional and do not align with the integrity and fairness your company claims to uphold. 

Furthermore, I am troubled by the disparity between Equifax 's purported values and the reality of my experience. It seems that your business practices, including selling information for profit and allowing unverified negative entries on credit reports, contradict the principles you claim to follow. 

I seek clarification on why Equifax imposes additional steps compared to other bureaus and why your practices appear inconsistent and unfair. As a consumer, I believe I have the right to access my credit report without unnecessary hurdles or biased treatment. 

I urge Equifax to address these concerns promptly and transparently, ensuring that your processes align with the principles of fairness, integrity, and equality. 

Sincerely, XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Debt collection

About 6 months ago i received a copy of my credit report and i noticed a account thats listed on my report that i ever applied for never used and never revived any benefit from. I disputed this account and they refused to remove them. This account are results of identity fraud. Credence Resource XXXX XXXX XXXX XXXX XXXX XXXXXXXX, credencer.com.
Product: Credit reporting or other personal consumer reports

Despite our previous attempts, I regret to inform you that these discrepancies still persist.

The presence of charge off accounts with incorrect balances not only affects my credit score also the inaccurate personal information but also raises concerns about the accuracy and integrity of my credit information.

I kindly request that you prioritize the investigation and resolution of these discrepancies, ensuring that all necessary steps are taken to correct them in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations.

Moreover, I would greatly appreciate receiving regular updates on the progress made in resolving these matters and a clear timeline for when I can expect to see these discrepancies corrected on my credit report. With this, I am asking for your assistance to remove these accounts and as well as these unknown addresses and inaccurate names in my credit file : XXXX XXXXXXXX Balance : {$2100.00} XXXX XXXX Balance : {$6200.00} XXXX XXXX XXXXXXXX Balance : {$720.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion continues to report inaccurate information pertaining to balances and late payments, even though I send screenshot proof! 
They use a computer to falsely make decisions which costs the consumer up to XXXX points or more which hurts their credit! How is this legal or ethical? 

XXXX XXXXXXXX XXXX balance has been reported inaccurate, yet their bot validates as accurate. 

XXXX XXXX has not been late, and is now closed and paid in full!
Product: Credit reporting or other personal consumer reports

Subject : DEMAND DELETE INMEDIATLY INQUIRIES UNAUTHORIZED UNDER CREDIT REPORT I recently reviewed my credit report and found unauthorized inquiries. 
I have contacted the CREDITORS BELOW AND THEY HAVE NO PROOF THAT I INITIATED SUCH INQUIRIES, NO WRITTEN AUTHORIZATION, and have provided no permissible purpose. Since they have no authorization from me, either written or verbal. 
I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. Pursuant to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In General. Subject to subsection ( e ), any consumer reporting agency may provide a consumer report under the following circumstances and no others. ( F ) otherwise has a legitimate business need to obtain the information ( 1 ) in connection with a business transaction initiated by the consumer.

Per 15 U.S. Code 1681i, Paragraph ( 5 ) Handling of Inaccurate or Unverifiable Information ( A ) In general. If, after a reinvestigation pursuant to paragraph ( 1 ) of any information disputed by a consumer, an item of information is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency shall : ( 1 ) promptly delete.

ADDICIONALLY, Pursuant to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify ( by physically verifying the original signed consumer contract ) each and every INQUIERES you list on a credit report. Otherwise, anyone who pays for your reporting services could fax, mail, or email a fraudulent account. 

I demand that you show me verifiable proof ( an original consumer contract with my signature ) that you have on file for the accounts listed below. Your failure to positively verify these accounts has affected my ability to obtain credit. Under the FCRA, unverified accounts must be removed, and if you can not provide me with a copy of the verifiable proof, you must remove the accounts listed below. 

I demand that the following INQUIRIES be verified or removed immediately. 
The following inquiries are not authorized : Creditor : XXXX XXXX XXXX XXXX date of inquiry. XX/XX/year> XXXX XXXX XXXX, acce date XXXX XXXX XXXX XXXX. Date XX/XX/year> XXXX XXXX XXXX XXXX XXXX Date. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX y XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date. XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Date. XX/XX/year> XXXXXXXX XXXX XXXXXXXX XXXX Date XXXX XXXX XXXX XXXX XXXX Bank. Date. XXXX XXXX, 2023 XXXX XXXX XXXX XXXX Date XX/XX/XXXX y XX/XX/XXXX XXXX XXXX XXXX XXXX. Date XX/XX/XXXX y XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXXXXXX XXXX. Date. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Date XX/XX/XXXX XXXX I appreciate your prompt attention to this matter and look forward to receiving a response within the timeframe required by law. 

XXXX XXXX XXXX
Product: Checking or savings account

I filed several disputes with a company called XXXX where my card information was stolen from a phishing link. And charged multiple times. I was approved on several transactions by key bank and receive my money back. For the last bit of the transactions I was denied because theyre claiming I had to be there in person it seems the caseworker did not review the previous cases and saw that the company is in fact not a physical company but an online cryptocurrency company so in fact it is impossible for me to be present when the transaction is there it can be done electronically online since my information was stored to the website including card info. 

I am out over {$14000.00} in these transactions I want my money back immediately as the caseworker seems not to be able to do their job right and pay attention to what the previous cases which are exactly like this one which were approved. 

This is why Im making this complaint thank you As you can see in the documents below all other cases were approved but these were denied for a completely wrong reason and I expected to be overturns swiftly
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted equifax about a inquiry that i did not authorize nor give anyone the permission to use my name or credit, they keep me on hold then never come back! I want this off my credit asap! 

yall keep saying yall are doing a internal investigation but are saying it is factual information how can fraud be factual information!
Product: Mortgage

To Whom it may concern, I am a victim of a predatory loan, ever since I try to refinance the morgage company is not returning my phone calls, I was going througth a financial hardship and this morgage company came with terms that was supposed be better for my mortgage, I was paying {$2700.00} a month then they offer me that if I refinance things will be better. Studently when the new morgage payment came it was for {$3700.00}, I call them and call them and they never got back to me, my loan was {$350000.00} XXXX and now in the statemens say I owe them {$580000.00} XXXX ( with all the fees they say I owe ) yesterday I saw they put the house to auction for ( {$780000.00} ) XXXX, I am trying to contact the lawyer that has my case ( lawyer that works for lender ) and they being avoiding me too. I guess this my last resource before I go to the news and release my statement. Please help, I went to my house and the bank send someone and took all my documents in the floor and guess but the only took the loan papers everything else it was there, I guess they not trying to incriminate themselves. If you go online you will find a lot people taking about this morgage company, what they did to me they have done to other people. Please help, do n't let this criminal get away. I decided to take this step because I believe in justice! And even if I have to go to Washington I will because I am not gon na let them take my house because they think people has no education.
Product: Credit card or prepaid card

Claim ID : XXXX Account ending : XXXX Please help. Bank of America is not honoring their fraud and theft policy. Also no one answers the phones in the Fraud Department, and they have denied my claims which is against their fraud and theft policy coverage for clients.

I wait for over 3 hours on hold each time I attempt to contact the Fraud department. 
I received a notification that my claim ID XXXX in the amount of {$6500.00} was denied on XX/XX/2022. I called the fraud department to reopen the claim and send in the police report. 

Also, please see my below statement as to what happened : On XX/XX/2022 I went surfing in XXXX, CA and left my wallet and phone in the car. There is a group of criminals who target surfers in XXXX for this reason. The criminals stole my wallet and phone out of the car and went to the XXXX XXXX in XXXX XXXX and were able to use my card to purchase {$6500.00} worth of merchandise. They were able to authorize the transaction because they had my ID and my cell phone and were able to call Bank of America to verify my identity. On XX/XX/2022 I filed the police report and was able to verify my identity with Bank of America because I got my new phone from XXXX. Up until XX/XX/2022 Bank of America would not allow me to freeze my credit and debit cards because they could only use my phone to verify my identity. 


They also were able to charge {$6900.00} on my Bank of America debit card at the same XXXX XXXX and I opened a separate claim for that amount. Claim number : XXXX Additionally, They were able to XXXX transfer {$3000.00} to someone named XXXX using my XXXX. I assume they were able to do this because they had my cell phone. You can see in the below screenshot they also tried to make several other XXXX transfer to someone named XXXX claim number is XXXX. The XXXX  claim was already approved and paid to me. I just need my other two claims paid now as well. 

Please review the information and assist. I can provide you with all the information you may need. Thank you XXXX XXXX XXXX XXXX XXXX