23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

During the XXXX quarter of XXXX I began attempting obtaining a loan modification from Citimortgage due to the fact that XX/XX/XXXX marked the end point of ten year term of the HELOQ I  entered into on XX/XX/XXXX. After over a year of being juggled between about 6 agents I finally was assigned to a gentleman named XXXX XXXX. He submitted all my documentation to underwriters and received a wonerful loan mod represented verbally by Citimortgage of a 2 % fixed loan with a 40 year term, " however '' when I received the loan docs to sign it changed from 2 % @ 40 year to 2 % @ 30 years which increased the monthly obligation approx. 50 % from $ XXXX to $ XXXX. I called Citimortage and was informed " there is no record or evidence '' of the 2 % / 40 year term modified note and furthermore my application for a loan mod was being rejected after I informed Citibmortage that they were/are in 3rd position on my property which prior to me notifying them they were unaware of. 
I held the inaccurate belief me informing Citimortgage of their true position being 3rd " may '' provide them more motivation to work with me to resolve this matter. 

I filed another complaint with the CFPB after being sumarily rejected. 

In an explanation letter dated XX/XX/XXXX from Citimortage it was stated that " Upon receiving your request, we immediately reviewed your HELOC account. Please note that we found no evidence of an additional lien existing when your HELOC account originated in XX/XX/XXXX ''. 
This explanation written to me by a Citimortage " letter writer '' was shocking to read. 
I was charged for and paid for a title search in the original documents dated XX/XX/XXXX. 
I could only think of two possible questions which I consider insulting, " Did you look? 
" Did you ask me ''? No and NO. 
Citimortgage did not look at the title search results they charged me which I paid for, or they never ordered the title search. 
My health has been declining the entire time I have been forced to deal with Citimortage, being juggled between agents, being told acceptable terms to modify the equity line then receiving final papers which did not reflect what was agreed to prior to receiving the docs. Reading how they found no evidence of another lein on my house? 
This entire matter has taken an extreme toll on me. 
It is extremely upsetting to be on the receiving end of Citimortgage 's blatant attempts at making me pay for THEIR " un-intentional '' errors. 
It appears in black and white in the disclosure doc I was charged for a title search in one of the attached documents. 
It was intelectually insulting when I read " we found no evidence of another lein ''!
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about my persistent and unsuccessful attempts to correct inaccurate reporting regarding a late closed account on my credit report. Despite numerous efforts, this error has not been resolved, and it continues to negatively impact my credit profile. 

The issue at hand pertains to the reporting of a late closed account on my credit report, which is inaccurate. I have taken the following actions to address this matter : I initially became aware of the inaccurate late closed account on my credit report when I reviewed my credit report. 

I contacted your bureau to dispute the accuracy of this account and requested its removal or correction. I provided all the necessary supporting documents and explanations to support my dispute. 

Subsequently, I followed up to inquire about the status of my dispute and request updates on the investigation. 

Despite my repeated efforts, the inaccurate late closed account remains on my credit report, adversely affecting my creditworthiness. 

The Fair Credit Reporting Act ( FCRA ) requires accurate reporting of consumer credit information. It is essential that my credit report reflects my financial history accurately and does not contain any inaccuracies that could harm my financial standing. 

I kindly request that you investigate and resolve this issue immediately by removing the inaccurate late closed account from my credit report. The prompt resolution of this matter is crucial for my financial well-being. Failure to address this issue within the specified time frame may compel me to escalate my complaint to regulatory authorities and seek legal remedies. 

Enclosed with this letter are copies of the relevant documents, including my credit report with the inaccurate information highlighted and proof of previous dispute attempts and communications. This late closed account should be removed by the credit bureaus : XXXX XXXX XXXX XXXX : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached ID report. I have identified information on my reports that are a result of identity theft these items are not related to any transactions completed by me!! Please remove these accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car in XX/XX/XXXX it was total out XX/XX/XXXX charged off XXXX but reappear XXXX. I got XXXX XXXX filed a dispute with trans union never resolved then I gor another car charged off XXXX reappeared same thing filed a dispute never resolved
Product: Credit reporting or other personal consumer reports

Account info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAYMENT HISTORY LEGEND Status Account charged off. {$590.00} written off. {$590.00} past due as of XX/XX/XXXXXXXX
Product: Credit reporting or other personal consumer reports

Trying to buy a house. I found that I realized I had damages on my credit report. This is a defamation to my character. XXXX XXXX XXXX has placed an Inquiry on my credit. I have disputed this inquiry with the XXXX, XXXX and equifax credit agengies but it has came back as verified on only on equifax. All other credit agencies such as XXXX and XXXX has deleted as they should have. this is fraudlent activity. I've requested that the creditor send me the original contract to prove this inquiry to be mine. the creditor has stated they do not have this information and because they have no records of this being done. If they do not have this information then why is this being reported on my credit? this is fraud and will need to be removed. Equifax has refused to delete. as of this morning they claim it has came back as verified. I filed a complaint with CFPB and XXXX XXXX XXXX responded verifiying that they do not have proof this ever existed. I will be attaching their response as well. I have not been supplied the doctrine of estopper by silence, egnlehardt v graven ( mo ) 281 sw, 251, 719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. This is holding me back from moving forward in life. In no way can this debt be mine. I have not used this company. this is fraudulent. Again this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. Please remove immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX AND XXXX are both reporting publishing and disseminating false and misleading and damaging information about me. 
AWA COLLECTIONS, ACCT. XXXX IS REPORTING ME AS A CO-SIGNOR FOR {$280000.00} ON A DEBT I OWE XXXX ON.XXXX XXXX XXXX committed fraud in the inducement to sign a contract.I was lied to and told that my signature and documents were for reference only.It is quite possible that I am on camera in the XXXX XXXX XXXX office while this fraud was perpetrated upon me, The audio would verify my claim to FRAUD IN THE INDUCEMENT TO SIGN A CONTRACT perpetrated by XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have been blocked from my coinbase account which contains over XXXX $ in crypto currency assets. I have attempted numerous times to reset my account on their website and on their mobile app but am still blocked. Additionally I have called and emailed at least 6 times over the course of more than a year. The latest attempt was today and I was on the call for more than 2 hours. I followed all their instructions to upgrade my email security and reset my passwords for both my email account and my coinbase account. At the end they simply told me for the third time at least that the ticket ( Case # XXXX ) would have to be escalated and they would reach out to me. No timeline was offered and this is at least the third time they have stated that the issue would need to be escalated and that they would contact me. I have spent over a year with my assets locked in blocked account and unable to access them. I have spent hours on the phone and have received no explanation as to why or when my access will be restored. I have offered all my information, have sent them numerous documents to prove it is me and still nothing. I have been more than patient and out avenues with Coinbase.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor have violated my rights. Under 15 USC 1681 section 602 states that I have a right to privacy 15 USC section 604a section 2 it also states that consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 166B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Violations : 15 U.S. Code 1681a - Definitions ; rules of construction ( d ) Consumer Report.

( 1 ) In general ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Under the Fair Credit Reporting Act ( 15 USC 1681 section 602 ( a ) ), it is emphasized that consumer reporting agencies, such as Equifax and XXXX, must carry out their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. As a consumer, I have the right to ensure that my private information is not shared, as supported by 15 USC 6801, which asserts the Congress 's policy that financial institutions have an ongoing obligation to respect customer privacy.

According to 15 USC 1681 section 604 ( a ) ( 2 ), a consumer reporting agency can furnish a consumer report only in accordance with the written instructions of the consumer. As the consumer, I have not provided written consent for Equifax, XXXX, or any furnisher of information to credit agencies to disclose my information. Any previous consent, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked.

Additionally, 15 USC 6802 ( b ) ( c ) prohibits financial institutions from disclosing nonpublic personal information to nonaffiliated third parties unless the consumer is informed of the option to exercise nondisclosure. The furnisher of information to credit agencies did not inform me of this right. Furthermore, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse information in reports without authorization. Reporting this adverse item without my permission is a violation of the law.

According to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), no person shall furnish inaccurate information to a consumer reporting agency, and 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to avoid violations. Equifax and XXXX are not adhering to these requirements. 
Finally, referring to 12 CFR 1016.7, I am exercising my right to opt out of your reporting services at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XX/XX/2022 -XXXX XXXX XX/XX/2022 NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX -XXXX XXXXXXXX -XXXX XXXX 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.
Product: Credit card or prepaid card

To : Consumer Finance Protection Bureau : I travel overseas once or twice a year for pleasure. I always set travel notifications so the credit cards that I take with me know when and where I am likely to make charges, to avoid any issues with a denial. 

In preparation for a trip with my family in XX/XX/XXXX, I attempted to set travel notifications online for my Bank of America card ( card of choice due to no foreign transaction fees ) and was notified on the website that they will not take travel notifications anymore, and will instead alert me if there is unusual activity, and to be sure my email address was correct and set up mobile alerts. 

I called Bank of America and hit a brick wall. No way to pre-warn them of projected unusual activity! Instead they insist on notifying me, with risk of denial on future use if I do not respond to the notification. I explained to Bank of America that this was not an option. I do not take technology with me on overseas trips, so I would be unable to receive alerts, and even if I did, I would not access account info on public Wifi! I do not use a smart phone and again, even if I did, I would not access account info through it, also due to security risks. They said I could call them collect if I had an issue! That also is not an option. In this case I will be in XXXX and their phones ( landline ) still charge for use regardless if incoming or outgoing call. And my cell phone will charge me XXXX/min for any calls! 

So I checked another cards that I have. My XXXX VISA had the same procedure. XXXX let me set an alert, however, it does not work in XXXX, so that is not really an option. XXXX let me set an alert for dates of travel, but not location, and still states I will be alerted. 

I feel as though I am stuck. No way to be sure that my CCs will work, forcing use of cash ( Thank goodness I am not going to XXXX a cashless society that will not take cash! ) I also feel I am forced to use technology while travelling, exposing me to greater risk with hacking, identity theft, etc, etc. 

Additionally, this coming trip is to XXXX, but I usually do a mission trip annually to countries more like XXXX XXXX, where I dont want to have a lot of cash on me and definitely would not want to use public wifi or other technology. 

Please help to change these procedures, I feel I am not free to travel with appropriate financial/identity protections. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2018 I had my truck towed in to shop for repair ( XXXX XXXX XXXX during this time I lost my job and called XXXX XXXX to ask if they could work with me while I find work.. they was very nasty and said that they needed to pick the truck up on repo... I told they that I surrender the truck and where the truck was located, which they knew because the truck had a tracking system on it ... they call me a year later asking for truck I replied you said you was picking it up, far as I know they did pick it up at some point. However they send me letters every month asking for balance that was remaining on truck in XX/XX/2018, they report in to credit agencies every month that I'm late and passed due... I tried taking with the credit reporting agency and XXXX XXXX about this, however you can't talk to XXXX XXXX they are not nice at all and credit agencies will not truly investigate and fix the reporting errors .... I paid and still pay credit repair company but they same to get same response .... I done research a this is an ongoing problem with XXXX XXXX... aswell as credit agencies allowing this type things to happen over and over by same company... .this has be going on for 4 years, haven't had that truck that long and it still being reported as if I have it and late pay every month... that fraud within itself ....
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX, XXXX  AND XXXX  HAS ACCOUNTS ON MY CREDIT REPORT THAT ARE NOT MINE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed Bankruptcy ( Chapter XXXX in XXXX 2010 ). It was reported to my credit report on XXXX 2010 and listed as fully discharged on XXXX X/2010 and Equifax X/2010. I know the rules of FCRA state that all negative information must be removed within 7 years, which I am at that expiration date. However on Equifax, it is four months past the 7 year period and the public record is still appearing. I have filed a dispute with no resolution. XXXX is also still showing and this is also past the 7 year mark. <P/>I want the information removed because it is a violation of FCRA. I know that most bureaus now install logic of 6 years 10 months to ensure that there is no violation of reporting negative information or public records past the required timing per FCRA. I am requesting your assistance to ensure my credit report and history is accurate and fair per my rights under the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX and Equifax by phone two months in a row to discuss the fact that my credit report has not changed at least since XX/XX/2018. I was told that it automatically change when my creditors report to the bureaus. I was told by XXXX that they'll look into it but there has been no change. I've been dealing with this same issue for months. Although the same things are on my credit report and somethings has dropped off and others has decreased in balance, nothing, absolutely nothing has changed from Equifax or XXXX. If you look at my overall debt XXXX  has me at least {$86.00} more than either credit reporting agency, and this does affect my score. I've disputed some company called XXXX XXXX and XXXX XXXX XXXX  which I've never heard of and XXXX and Equifax refuse to give the papers of validation. They told me that it was valid and I still have yet to receive any documentation of it.
Product: Checking or savings account

My son passed away XX/XX/2023 I obtained all legal paperwork to access his account and went to his bank needing to look in safety deposit box for a will. told XXXX XXXX this presented all paperwork and was denied access and received no help whatsoever. Was told they had to process through their legal dept. and could take up to 5 days didnt want to caus a problem at that time so left. Now 15 days later and never heard anything from bank I tried calling and was put on hold for XXXX minutes til bank closed and disconnected. I called XXXX Police to verify I was within my rights and was told they could meet me there to assist so XXXX I returned to bank and was greeted by a very confrontational counter person and was told you want to call the police go ahead at witch time XXXX XXXX branch manager came out and called me to her office and was still denied access. After heated discussion she called her corporate office and was told to close account and give me access. Should never be this hard I will make sure everyone I know knows about my experience with Key Bank
Product: Credit reporting or other personal consumer reports

Trans union is displaying inaccurate and fraudulent information on my credit report even after knowing that it is fraudulent and they placed the alert on my report they have two bankruptcies finger hit and chime showing up and I have contacted them several times to remove and adjust my credit score the information Im speaking of will be attached to this complaint
Product: Mortgage

This complaint is formally filed because on XX/XX/XXXX, I received a letter from XXXX XXXX XXXX titled LENDER-PLACED INSURANCE CONFIRMATION OF NON RENUAL. US Bank Home Mortgage is the institution that I have my mortgage with. The RENEWAL reason given by the mortgage company for the reason for non-renewal was Request of the Name Insured Mortgage. I am concerned with this institution not only vandalized my home, stole all my jewelry and money that I kept in my safe at home while I was working for the XXXX XXXX XXXX, XXXX XXXX XXXX in XXXX Virginia. This institution knowingly that I was paying for my own insurance at that time, contacted my prior insurance company XXXX XXXX to tell them that my house was vacant when in fact it was not. Yes, I could have rented it out since I was working outside the area ; however, this action of them to get inside my house ; change my lock from the back of the house and steal from me is unjustifiable. 
While working for the XXXX, I was the person warranted holding the agency Credit Card with US Bank Home Mortgage. I was in constant communication with this institution while doing a Modification to my house in XX/XX/XXXX and XX/XX/XXXXwhich the modification was never approved and no reason was given. 
On XX/XX/XXXXmy house was hit by hurricane Mathew and since I was the one paying for my house insurance, I proceeded to file the proper claim. The insurance company paid in part for the repair of my house and the checks sent were sent and endorsed under both XXXX XXXX XXXX  and myself. I sent these checks to US Bank to be endorsed so I can provide the proper repair to my house because the City of XXXX XXXX inspectors were taking me to court almost in a weekly basis due to failure to make the repairs. 
US Bank had told me, that they would not approve any company to do the repairs unless they were Class A Contractor. This caused a delay of the repairs since there were not Class A contractor available at that time. Us Bank refused to allow a license contractor to make the necessary repairs to my home, because US Bank Home Mortgage was the lender mortgage. As a result of US Bank action, I was fined by the court which I am now appealing to the Virginia Court of Appeals. 
I need this complaint to be investigated as to why all the harassment and the fact that I have been paying my mortgage which in the past US Bank Home Mortgage has returned to the XXXX XXXX, the institution that I bank with. 
I am enclosing the prior complaint and attachments as well as the letter received from US Bank Home Mortgage cancelling my insurance effective XX/XX/XXXX, at XXXX XXXX. 
Lastly, this situation and prior actions from US Bank Home Mortgage only confirm what I suspected from the beginning ; US Bank wants my home at all cost ; however, I have invested a lot on my home and have a lot of equity invested in it.
Product: Bank account or service

After banking with Wells Fargo Bank since XX/XX/XXXX, they decided to terminate my checking and savings accounts. I was not notified by Wells Fargo but made the discovery myself when trying to make an ATM withdraw on Sat, XX/XX/XXXX and was unable to. The branch staff called on my behalf and was told by their loss prevention department that the accounts are terminated based on unspecified " Business Decisions ''. No specifics have been provided and this appears to be a non-transparent process. There has been no fraudulent activities on my accounts, no NSF checks, no complain against the bank in the past and no issues with my credit report. I only have XXXX checking account with Wells Fargo Bank. At this point, my account funds are frozen and can not be withdrawn.