23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

when i log into account it has untrue or confusing information. I have been having a one sided conversation with this company for months now but somehow ive been put into this modification denial appeal phase and i dont know that even happened cause I didn't even know this was taking place until i read the letter they provided as a enclosure for the last complaint that was closed. So im to just give my information again to pay the extra interest that was incurred for stupidity and misinformation. Where was this foresight and proactiveness in XXXX XXXX AND XX/XX/ when documents were lost or " not received '' when income was counted when it was convey to officers in your company that the income wasn't supposed to be counted. So now we have Mr cooper all of a sudden looking out for the little guy yet while you're while conducting your investigation, youre ignoring my emails that you see daily and also while complying with all things federal you have time to have a third party contact me cause you cant get a hold of me but yet you confirm you get my emails. Very interesting logic. i didnt read anywhere in my contract where it said things liek this can take place the servicer can whip up a modification for the mortgagee without consent and its all in the spirit of good faith. Why wasnt this conducted in XXXX  when i was thousands less in the whole. after all the medical bills i shown you for my wife or after you had your financial disclosures that showed the amount of my XXXX that i exhausted sending the majority to you ( i paid two payments of XXXX XXXX XXXX ) come to you with first payment default not even a default i was just behind you lie said i needed to be delinquent to be considered i wait that period then get rejected cause of timely filing which was bogus and wasted time casue the ENTIRE time im struggling with the health of my wife and tryign to look for a job and im begging fo a letter or something i can show a perspective employer to show im working on the issue since i work in finance NOTHING then you us the fact that i didnt have income at the time to justify the reason why you lost my paperwork in the first place then when i get back on my feet and get a job you're continuing to count expenses that i told you that should ve been taken off errors after errors almost a foreclosure then the error is Finally recognized get a hard fault modification then the pandemic happens AND I SOMEHOW BUMP MY HEAD AND DIDNT SEND THE PAPERWORK BACK silly me oh boy im so silly get another modification denied for false reasons again in XXXX and XXXX now here we are with this farce of a service company trying to accommodate me with a modification i didn't ask for ... THANKS YOURE HELPING A LOT KEEP UP THE GOOD WORK so sorry for the inconvenience so sorry you're disappointed and don't understand the bind you put my family in and the daily torture and anguish i deal with. Thank you so very much!!
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX took a payment for {$3200.00}, XX/XX/XXXX took a duplicate payment for {$3200.00}. I called and spoke with a rep ( XXXX was her name ) and she told me they should have not been able to take the duplicate payment as my balance was {$0.00} but they did. I have called my bank to dispute the charge also as the rep advised me to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my score was dropped by XXXX points. I havent opened any new accounts, havent closed any, have never ever been late on any payments whatsoever. Contacted credit reporting agencies, they had no idea why.. ever since I signed up for XXXX XXXX with my XXXX a count, funky stuff keeps happening. They lowered my credit score by XXXX points out of nowhere just a few months ago. 
Not sure who is reporting wrong information. The previous drop was corrected, not sure where this XXXX point drop is coming from. XXXX XXXX is such a FRAUD
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to receive my free annual disclosure of my report from Early Warning XXXX XXXX XXXX XXXX XXXX, AZ XXXX by mail and fax on XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX to no avail. The company will not even acknowledge that they have received correspondence from me. I am only requesting my file to be emailed or mailed to me. Thank you for your help.
Product: Mortgage

I was charged for corporate fee of {$45.00} showed on my mortgage statement. I called and asked what the fee was for. The representative informed me that it was for the inspection fee, which I was never informed about the fee anytime during the mortgage assistance application starting on XX/XX/2023. I requested over the phone several times to request for the refund of the fee and have the case escalated to a manager on XX/XX/2023. 
However, until now, no one has got back to me.
Product: Checking or savings account

I am writing to formally express my dissatisfaction with a recent experience at BMO Bank concerning the closure of my bank account. 

In XXXX and XXXX, I applied to several banks to open an account. Unfortunately, after initially opening my account at BMO, I was informed that it would be closed after just one month. Upon inquiring about the reason for this closure, I was told it was due to an account I had with Bank of the West in XXXX I find this explanation both surprising and frustrating, as I believe any potential issues should be disclosed to customers at the time of account opening. 

The lack of communication and transparency in this matter has left me feeling extremely upset. If there are specific criteria that could affect my ability to maintain an account, I believe I should have been informed upfront instead of facing an abrupt closure. 

As such, I would like to formally register a complaint against XXXX Bank and request a thorough review of this situation. Clear communication is essential in banking, and I hope to see improvements to prevent this from happening to other customers in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and the reason i am writing is to correct an error that i see on all of my credit score reports. I have contacted The Creditor " Compass Bank multiple times  everyday and they still do nothing to resolve the problem on my Credit report. Here is The Credit Card Number : XXXX XXXX XXXX XXXX. " Compass Bank '' is reporting a false missed payment on my report. I called " Compass Bank '' and i spoke to Supervisor XXXX XXXX and he agreed that it was a mistake on behalf of Compass Bank and that all my payments were on time and that i should see no late payments or missed payments on my credit reports. I am asking them to please correct this error on my report. After waiting 1 month the late payment still shows on all of my reports, i called The Creditor " Compass Bank again and i spoke to Supervisor " XXXX XXXX '' and i sent him proof of my bank statement showing more than enough balance to make the payment and he saw that i did have enough funds in my bank account to pay the balance and he also saw that i made multiple payments and The Creditor " Compass Bank kept reversing my payments. The Creditor " Compass Bank is giving me a hard time, i am a single mother and this credit score is  affecting my character as a consumer, i have spoken to my lawyer and he saids this is defamation of character and that i can be compensated for this, he also said to try reaching out by the Cfpb to see if anything could be solved before filing the lawsuit. I have been disputing this issue for 2 months and they have yet to resolve the problem.
Product: Credit card or prepaid card

On XX/XX/2019 : Applied for a Chase/United Airlines credit card using an offer code that I received aboard a recent XXXX flight. The promotion offered 50,000 air miles if I spent {$3000.00} in the next 3 months. 

On XX/XX/2019 and XX/XX/2019 : Received an email saying I was approved for a United Explorer card for  which I would 40,000 miles if I spent {$2000.00} in 2 months and 20,000 more if I spent another {$8000.00} ( total of {$10000.00} ). I immediately called to complain and was told I would have to call back when their " partner verification process was complete in 3-5 days ''. 

XX/XX/2019 thru XX/XX/2019 : I called every day from the 3rd day on to try to resolve the issue and was told everyday that the " verification process '' was not complete even though I had already been approved. Finally, on about XX/XX/XXXX I was told it was complete and they would expedite the delivery of my card because of the delays. I asked about the issue with the wrong promotion and was told the matter would be forwarded for resolution and that someone would get back to me within 7-10 days. 

XX/XX/2019 : I received my card via expedited delivery. 

XX/XX/2019 : I did not receive a response within the 7-10 days so I called. I was told that the matter was closed with no action because I received a " better '' offer than I applied for and so they could not " downgrade me ''. I asked what they meant about better offer and they said since I had the potential of getting 65K miles versus the 50K that was on my promotion it was considered a " complementary upgrade so now I can not be downgraded ''. I explained that I understood why it's an upgrade for THEM, but not for ME, since now I have to spend {$10000.00}, but I only intended to spend {$3000.00} so now I only get 40K miles for my {$3000.00} instead of the advertised 50K miles. I asked to speak to a supervisor and was told exactly the same thing ( i.e., " we can't downgrade your offer '' ) by the supervisor. I have the names of the representative and supervisor if that is needed. He was told I would receive a letter about the " resolution '' of my initial complaint in the mail, but that has never happened. 

I asked for another supervisor, but was told that there was no one above him that was available by phone. I was told that I could write to the company headquarters, but they will tell you the same thing. I reiterated that I thought that it was false advertising since I had no intention of spending {$10000.00} and that I just wanted the promotion that I applied for. Again ... '' sorry, can't be downgraded ''.
Product: Debt collection

XXXX calls on behalf of XXXX XXXX. I have an auto loan with them, it is due the XXXX of each month they will autonatically start calling on the XXXX and call me multiple times a day sometimes back to back.. upwards of XXXX times a day and even calling me well after XXXX. In the span of a week they call well over XXXX times. They call from different numbers or use software to discuss numbers
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent address on my credit report
Product: Debt collection

I have been paying from XX/XX/XXXXeach month towards the settlement amount. Today, I called them to verify how much balance is left towards the settlement amount. They said I broke the settlement by missing the payment inXX/XX/XXXX. I checked with my bank account and verified it was paid. Then I called them to inform this and this time they said it was XX/XX/XXXX payment I missed. Again, I checked with my bank and it was paid. Every month it was paid and never missed a payment. I have the proof from my bank it was cashed each month. They never sent me statements to reflect the balance. I need this to be resolved ASAP.
Product: Debt collection

*Portfolio Recovery Violated/failed to respond Texas finance 392.202. 
*Requested Debt Validation per Texas Finance code 392.202 on  XX/XX/XXXX and IT WASN'T A DISPUTE, Portfolio Recovery Associates , LLC handled my request as FDCPA DISPUTE. 

# # Complaints, As of today XX/XX/XXXX 1. Portfolio Recovery didn't provide the correct validation per Texas Finance code 392.302 2.  Didn't remove trade lines from my 3 credit bureau 's reports.

3. Remark trade lines as disputes.
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 right to privacy and confidentiality under the XXXX XXXX XXXX. 

XXXX # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. 

15 U.S.C 1681 602 A states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2- also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.V 1681c ( a ) ( 5 ) 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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Bank of America employee - XXXX " XXXX '' XXXX denied submitted hardships on request for loan modification. These documented significant current hardships were ignored per XXXX XXXX. He would not even look on the BofA portal where these hardships are date stamped. He stated according to BofA I had no hardship which is extremely confusing since these documented detailed multiple hardships were uploaded to the bank 's portal. XXXX XXXX repeatedly denied the existence of any hardships and stated repeatedly that no modification would be approved. Thess hardships were caused by seeking a modification for BofA. BofA sent confidential letters to the property where tenants mistakenly believed that this property would be foreclosed. BofA inspectors stopped by the propery also distribing tenants and implied foreclosure, tenants also asked and were granted early termination of their lease due to these false threats. This caused a significant income reduction for me and I asked for a loan modification with BofA due to a increased expense my XXXX loan was reset. There is massive confusion with BofA XXXX day my loan is denied and I am not allowed to appeal even though the underwriters missed the hardships. The NPV were missed calculated and note provided to me. BofA states I have no need for a modification however I have proven, detailed over and over date stamped by BofA I have several hardships. I have XXXX different areas of BofA calling me all of them state I am denied.
Product: Credit reporting or other personal consumer reports

I received a credit alert about a collection being added to my account. When I was initially contacted by XXXX, I told them the account details were wrong. I told them the amount was wrong and my personal details were wrong. They instead told me to make a few payments inorder for the account not to report to the credit report. This was a ploy for them to convince me to work with them instead of sticking to the fact that the account had incorrect details. Recently the account was reported to collections with a balance of XXXX. 

The account is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA. 

Please remove this account from my report. This account should never have been reported under the proper credit laws on credit reporting
Product: Credit reporting or other personal consumer reports

I have been trying to get Experian to correct my personal consumer report but they refuses and continues to furnish inaccurate and unverified information on my consumer report and file. I am in the process of taking control and securing my personal and private information. This massive data breach has exposed my information and I am very concerned with inaccuracies on my report. Please address this matter. Attached is a notices for demand Experian to remove all items within attached notice
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Product: Mortgage

I closed on my mortgage. During the closure process the bank did not offer any forms to send any excess funds - either via mail or wire. After closing the bank notified that they would be sending me a check and referred me to an online PDF that I had to bring into a branch or fax to in order to change my address to the place where the excess funds were to be mailed. The process itself was manual and inordinately arduous as compared to the other processes that they have around managing one 's mortgage. At best this is a broken process. At the worst, this process is working exactly as intended, throwing up hurdles and introducing an inordinate amount of friction in order to delay customers getting their excess funds and thereby making some additional percentage of interest on the funds.
Product: Vehicle loan or lease

I have attempted to work with GM Financial to bring my accounts current. However, I exhausted all resources that make sense. I am privied to ( 8 ) deferments through the life of the loans but have been denied. Additionally, I have gotten the run around from a collections manager for weeks. I spoke to a manager weeks ago he stated that he would assist. However, he has been spinning every time that I call up until today XX/XX/2023. He finally stated that he would not be able to assist me with any deferments. 

Furthermore, I am a victim of a predatory loan. The XXXX XXXX is worth XXXX I owe GM Financial XXXX with a interest rate of XXXX. I have tried to work with GM Financial by keeping good communication and trying to work things out. At this point I feel that I need to get an attorney involved if they will not correct the wrongs immediately.
Product: Student loan

I write to apprise you of an issue I am having with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Missouri ( MOHELA ). This issue relates to the Department of Educations on-ramp, in which a retroactive forbearance will be applied for payments missed between XX/XX/XXXX and XX/XX/XXXX. 

Representatives of MOHELA have provided myself and other borrowers with incomplete and misleading information about the on-ramp. This afternoon, I spoke with a MOHELA representative, asking her to confirm that I would be eligible for the on-ramp. Although I knew about the on-ramp through my own research, I wanted to confirm, for the avoidance of doubt, that my account would be eligible. MOHELAs representative denied having any knowledge of the on-ramp or of any retroactive administrative forbearance. It was only after I explained to her that I was an attorney and knew the details of the program that she finally acknowledged its existence, although she still did not confirm that I was eligible. ( When I asked to speak to a supervisor, the representative told me that this would entail a hold time of two to three hours. ) I do not understand why it should be this difficult to get basic information about my student loans from MOHELA. And it concerns me greatly that borrowers who are unaware of the on-ramp are being given incomplete and misleading information, potentially causing them to lose the benefits of this important provision. 

I note that this is not the only issue that I ( and other borrowers ) have had with MOHELA. My request to be enrolled in an income-driven repayment plan was denied twice without adequate explanation, and call hold times to clarify the matter have spanned hours. Processing times are unacceptably long I submitted all requested supporting documentation on XX/XX/XXXX ; MOHELA has yet to take action on my request. 

It is my hope that your office can address these problems, for myself and millions of other student loan borrowers.
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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX,. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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: Debt collection

My complaint is with XXXX XXXX. I was not sent a dunning notice prior to my account being sent to a collection agency. In 2017 I resided in Florida and fell victim to the hurricanes so my income became depleted but I did attempt to pay down the balance of {$260.00} by making a few payments, however XXXX sent my account to Credit Protection Association for collection. I no longer reside in Florida and am trying very hard to strengthen my credit. I have sent a letter to the collection agency requesting a pay in full for deletion to which I have received no response. I also sent a letter to the President 's office at XXXX asking them to accept payment in full for taking it back from collection. Once again no response! 
I intend on paying this in full in XXXX if either party will agree to delete this from all three cra 's. I do not intend to just neglect this matter but feel I had the right under FDCPA to receive the dunning notice from XXXX before sending it to collection. I could have made a payment arrangement had I received notice.