23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I just received a phone call from XXXX XXXX claiming to be from the XXXX and XXXX Department at the Bank of America. He was calling from a New Mexico number, XXXX, and said that he was calling to verify that it was me who had just applied for a credit card account with the BoA which was using my name, my mailing address, my phone number and the last four numbers of my SSAN. He made references to the CFPB as the government agency that monitors individual credit records. When I challenged him on this saying that the CFPB did not do such things and also that the BoA did not call people out of the blue from New Mexico about credit card applications, he offered to connect me to a 'higher authority ' namely the CFPB XXXX I was transferred to XXXX XXXX who identified himself as working for the CFPB and wanted me to verify that the information that they had was correct and I refused, again saying that the CFPB did not do this sort of thing. He continued to press me and when I said that I was on the www.cfpb.gov website and did not see anything about what he was calling me about as part of the CFPB 's charter, he hung up. In the middle of the first call, I got another call and put him on hold, but somehow, the call was disconnected and XXXX XXXX called me back on XXXX. 

This clearly was a phishing call and as the information that they had was accurate, I am now concerned about identify theft. 

Thank you.
Product: Mortgage

I recently had a BPO ( Broker Price Opinion ) /Appraisal completed on my property by Pennymac in order to get my PMI removed which was granted, due to the mortgage now being XXXX LTV . 

I then requested Pennymac for to remove my escrow account, to which they denied the request, stating that : 1. Taxes and/or Insurance are due within the next 30 days 2 : Minimum current and/or original loan to value ( LTV ) ratio was not met First off, the taxes are not due until XX/XX/XXXX, BECAUSE I ALREADY PRE-PAID THEM, as can be seen on the county website, which I also provided a screenshot to Pennymac. Because of their gross incompetence and negligence, they went ahead and paid the XXXX taxes out of my escrow account AGAIN in XXXX, forcing my escrow account to turn negative and now overpaying the county. ( Which is why I wanted the escrow account to be removed in the first place, because they clearly can not handle a simple task ). 

Secondly, the LTV is low enough because we literally just got PMI deleted through the recent BPO done which came back at $ XXXX, putting the LTV well below XXXX XXXX or even XXXX XXXX  where MOST companies only require and clearly state that with XXXX XXXX LTV you can remove escrows. 

After additional back and forth, they stated that " Please be advised your taxes are paid quarterly and your next disbursement for your taxes are due to be disbursed during the month of XX/XX/XXXX. Please note, your original Loan to Value does not meet the removal criteria of less than XXXX XXXX. '' Which again, there is NO REASON WHATSOEVER for the taxes to be disbursed if they are already paid, and additionally they completely ignored the fact that I was referring to the updated LTV based on the BPO THAT THEY JUST DID. 

After additional back and forth, they are now claiming that " Specifically, the original LTV must be less than XXXX %, but it is currently 87.85 %. Similarly, the current LTV must be less than 70.00 %, but it is calculated at XXXX XXXX '' However, nowhere on their guidelines nor anywhere does it clearly state that the CURRENT LTV must be less than 70.00 % in order for escrows to be removed, which also makes no sense whatsoever since they confirmed that the ORIGINAL LTV must be XXXX %. 

I then responded back asking for where specifically this guideline is published and have not heard back for days.
Product: Vehicle loan or lease

I have a loan with Credit Acceptance and have called to ask if payments could be placed on back of loan do to loss of work during covid. Flat out told no and asked when I could make a payment. I have fallen behind and try to pay something but I will never catch up. Then they are only acknowledging Covid Relief for certain States. I live in NC a Hotspot state and nothing is being done. I feel as though I'm denying discriminated against and its not right. They are reporting to all credit agencies and I'm trying this is ridiculous and needs to cease. They already charge astronomical interest and fees I can't see how they are a legal entity.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following items on my credit report : XXXX XXXX  XXXX XXXX XXXX Payment Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX  Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX  Account XXXX  XXXX Late Payment Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX  XXXX  Account XXXX BANK XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Account XXXX XXXX XXXX Late Payment Account XXXX XXXX Collection Account XXXX  XXXX  XXXX Late Payment Account XXXX  XXXX Collection Account I strongly believe that these items are incorrect and have been reported unfairly. I have carefully reviewed my credit reports and have found errors and inconsistencies in the information provided. 

I would like to bring to your attention that under the Fair Credit Reporting Act, credit reporting agencies must provide accurate and complete information to consumers. Inaccurate and incomplete information can have a negative impact on my credit score and my ability to obtain credit and loans in the future. 

Regarding the late payment accounts, I would like to explain that I have experienced financial hardships and have been unable to make payments on time. However, I have since made efforts to catch up on missed payments and have been making regular payments. 

As for the charge off accounts, I was not aware that these accounts had been charged off and was not given an opportunity to make payments and settle the debts. I would like to request that these accounts be removed from my credit report, as I believe they were reported without proper notification. 

I kindly request that you investigate these items and take appropriate action to correct any errors or inaccuracies in my credit report. I also request that you provide me with a copy of my updated credit report once the investigation is complete. 

Thank you for your attention to this matter. 

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

Experian XX/XX/19 To whom it may concern, Please investigate the following account for the following reason : XXXX XXXX XXXX, Derogatory Mark - I paid on time but I'm being listed as 90 days late - It needs to update to paid as agreed Thank you -
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXXhas violated my rights.

15 USC 1681 Section 60

2 states I have the right to privacy.

15 USC 1681 Section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit on a credit card account under an open end consumer plan as late for any purpose.
Product: Checking or savings account

Citizens Bank allowed someone to open an account under my information citizens sent me a letter stating my account was over drawn. I have NEVER had an account with them. I went into the bank twice and several phone calls. The bank said it went to the fraud department my case number is XXXX. Yesterday I received a check in the amount of XXXX I called because I didnt know why I got this check. They told me it was for a loan! I NEVER applied for a loan. Citizens asked me for my account number I told them I do not have an account. They asked me for the number on the check. Here is that number XXXX I was them sent to recover but since I did not have an account number she could not help me
Product: Payday loan, title loan, or personal loan

I applied for a personal loan with this company on XX/XX/XXXX, and was offered a 30-40 % interest loan for {$2500.00}. After agreeing and signing the contract, I was advised that I needed to verify my income through my bank. Netcredit said I would receive the funds in my account as soon as I completed the final bank verification. I attempted to do so on their site, but the process would not complete after two tries. Then it said I was locked out until the next day. I called and spoke to a representative who said that she would let the approval department know and they would contact me within a day or two at most. No one contacted me, and the following day, the entire site was " down for maintenance '' during business hours. I called and again a representative said not to worry, but she was unable to directly communicate with the approvals department and that they would contact me by email. I did receive an email directing me to the very same bank verification page, and it continued to hang up without completing the " last step '' before my loan was funded. 
I called and persisted in demanding a clear explanation of how to either immediately verify my banking info another way, or cancel the loan request. I stayed on the phone with the rep until I received an email reflecting my request to cancel the loan. I believe that had I not taken that step and insisted on canceling the loan, they would have drawn it out to the point where I would have had no option to cancel. The three reps I spoke to were all very vague about what was happening and why I could not get their verification process to work or be connected to someone in the department that handles the verification. I consider myself fortunate if I averted a loan with netcredit. Now I have a credit inquiry on my report for no good reason, and I hope that this company does not negatively impact me in any other way now that they have access to much of my personal information. 
Their website still indicates that I have an approved loan waiting on that verification page.
Product: Mortgage

DO NOT USE WELLS FARGO TO REFINANCE! I will be making XXXX video for the purpose of explaining how unbelievably horrible this process has been. 

I have already complained to them over and over and over and contacted you. I applied for refinance of my home on XX/XX/2019. It has been 6 months! Apparently you contacted someone at Wells Fargo who then called me and asked me all about the problem but ultimately admitted they didn't have any control over it. I have had people apologizing for months now. 

We had an appointment for Monday to sign closing papers. I assumed this was finally going to be over. I planned to start construction on my garage later next week. Now they are telling me it will be the XXXX. That's a 10 day delay. They said the reason is the appraisal expired. No kidding. It took them 6 months to get here. I am surprised I personally haven't expired waiting. They are also telling me my paystub, signed contracts ( for future and present work ) aren't good enough to prove I am still in business. They gave me a list of things I could provide and I provided ALL of them but now that isn't enough. 

I am losing faith that CFPB can do anything about this. I didn't save the person 's contact info from Wells Fargo but I would like to speak to someone who can actually do something. I do not need someone to apologize over and over. I need someone to do their job.
Product: Credit card or prepaid card

On Sunday, XX/XX/XXXX, credit was denied based on discrimination. Specifically, Citi bank ( Sears MasterCard ) "  escalation specialist ' ( XXXX ) told my husband over the phone that my application for Sears MasterCard was denied based on my XXXX name ( or national origin ) in violation of law. 

I received a letter from Sears MasterCard dated XX/XX/XXXX ( attached ) requesting additional information. 

I responded to the denial and letter with my letter dated XX/XX/XXXX ( attached ). I specifically included identifying information such as, reference number provided by Sears MasterCard in their initial letter, my name, social security number, and contact information. My letter was sent via priority mail with a USPS tracking number. 

Sears MasterCard ( Citi bank ) replied to my letter with their letter dated XX/XX/XXXX ( attached ). Their letter was sent in " bad faith '' asking for identifying information that had already been provided in the letter I had sent to them. It is obvious Citi bank is trying to deter my complaint of discrimination by intentionally not responding to the complaint outlined in my letter.
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 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 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 XXXX8 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 a 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, credit repair services, or other personal consumer reports

The following items are not mine : XXXX XXXX XXXX Bal : {$59.00} ; this is not my account and this account is a result of identity theft. 


I was never 30 days late on the following accounts : XXXX  XXXX - Opened XX/XX/2018
Product: Checking or savings account

There was a transaction made with XXXX XXXX without my authorization. I didn't have a physical card with me for that transaction to even be made. I called XXXX XXXX and they didn't answer the phone I called 5 times and nothing.
Product: Mortgage

On XX/XX/XXXX we closed escrow on a new loan with a lower interest rate. 

The new mortgage company is XXXX XXXX. 

Our previous lender, M & T Bank, was paid off by XXXX XXXX with the closing of escrow. 
However, on XX/XX/XXXX, M & T debited another monthly payment of {$1300.00}. 
This was a normal payment amount on the original loan. 

I called M & T Bank on the same day, and they admitted it was an error and I would be refunded the full amount in 10 days, XX/XX/XXXX. ( ph XXXX I called M & T Bank today, to confirm the refund which I was expecting but never received. They said they are preparing our refund now, and we should receive a check by XX/XX/XXXX. 
This is creating a financial hardship. I gave M & T the permission to debit my checking account ( XXXX XXXX XXXX XXXX - XXXX, CA XXXX ) and they compromised our family financially through their incompetence. 

I am attaching documents reflecting the closing of the first loan ( settlement ) and payoff to M & T Bank effective XX/XX/XXXX. And debit from my checking on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 at XXXX I contacted transUnion to assist with login. The rep assisted with getting into the account then she was going to assist with a password reset but she hungup. I was able to reset the password on my own however once logged in the system keep saying tech difficulties. however another member of the household was able to login to their TransUnion. So I called back at XXXX for additional assistance with the login, the rep said she was going to delete that account and for me to sign-up again she walked me through it and we tried different devices different browser and still the same error mess We are temporarily unable to complete your request. Looks like we are experiencing a problem on our end. This seems to have only affect my account as other household memebers are able to login to their accounts. TransUnion said I would need to pay {$24.00} a month to get my credit report. I was also told they don't include the score with report that cost extra anywhere from {$1.00} to XXXX What kind of scam are they pulling.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a certified letter to XXXX XXXX containing a signed document and an Affidavit confirming the identity theft on said accounts. I paid {$9.00} to mail this packet to XXXX XXXX. XXXX XXXX # XXXX XXXX XXXX On XX/XX/XXXX I sent a certified letter to XXXX  containing a signed document and an Affidavit confirming the identity theft on said accounts. I paid {$9.00} to mail this packet to XXXX. XXXX # XXXX XXXX XXXX XXXX On XX/XX/XXXX I sent a certified letter to Equifax containing a signed document and an Affidavit confirming the identity theft on said accounts. I paid {$9.00} to mail this packet to Equifax. Equifax # XXXX XXXX XXXX On XX/XX/XXXX I received confirmation that XXXX XXXX received the certified packet and on XX/XX/XXXX I received confirmation that XXXX  and Equifax received the certified packet that I sent. 

On XX/XX/XXXX I paid my credit monitoring website, XXXX a fee of {$29.00} to refresh my credit reports with all three credit bureaus. The fraudulent accounts with each respective credit bureau have not been removed and are causing my FICO Scores to report inaccurate.Additionally, this is causing a strain on my health with my XXXX and XXXX levels. 

On XX/XX/XXXX I am submitting a request to Consumer Finance Protection Bureau to  assist me in this urgent matter and clear this up as soon as possible.
Product: Debt collection

On XXXX @ XXXX there was a message left by a rep stating they were calling from XXXX which is my landlord to call them. I have been experiencing issues with my residence and was waiting on a callback from them. Come to find out it was Diversified Recovery Bureau. Not sure what the debt was but the rep was rude.
Product: Mortgage

I applied for a mortgage loan with Rocket Mortgage on XX/XX/2024. I paid a deposit of {$500.00} on my credit card for future charges : XXXX appraisal. The {$500.00} charge was posted on my credit card on XX/XX/2024. 

After reviewing the excessive loan fees required to obtain the loan, {$5000.00} approx. and the current high-interest rate of 7.99 % I terminated the loan application. This was on XX/XX/2024. 
I terminated the loan in writing and with a phone call to my Rocket loan rep. 

Interestingly enough... After I requested termination the Rocket loan rep advised me he could suddenly reduce my interest rate down to 7.5 % and knock off {$1500.00} of the fees. Rather a bait and switch if you ask me. I terminated anyway ... .I dont approve of these types of lender games. 

I requested my {$500.00} deposit as a credit card refund. There was no appraisal etc ..no services were rendered. 

Rocket Mortgage says I owed them {$200.00} for credit report and credit monitoring services. 

As an additional point : I had also applied for the same loan at the same time with XXXX XXXX, prudently checking out my options. XXXX XXXX did not charge me any fees, nothing for my credit reports nor any other fees. 

Rocket Mortgage had informed me they were only going to issue a credit of {$300.00}, and then they only issued a credit of {$290.00}. I requested copies via email and via phone of the charges and the credit memo for these fees multiple times but have not received any responses. 

They are ripping consumers off... I canceled this loan in a timely fashion. I expect to be refunded my deposit as no services were rendered. As a realtor who has experience in the industry, I know for a fact that an agency can pull a credit report for free or the usual and customary fee charged is {$50.00}... not {$200.00}. 

Do not provide an upfront deposit for a loan, I understand paying for the appraisal fee once the appraisal is in progress ... From my experience, you won't get the deposit money back. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Experian received a certified letter and it was signed off by XXXX XXXX it was in regards to a dispute on my credit report of 30 day delinquency my investigation has already been completed and the information is not correct I have contacted the creditor and they said they its accuracy is not correct paid never late. I have provided documentation what was sent to me and Experian did not take the necessary steps to investigate this matter instead used the data furnisher who supply Experian with information using Oscar Method they did not investigate this matter none whatsoever
Product: Credit reporting or other personal consumer reports

I started investigating my credit report to prepare for buying a new car but realized my personal information was inaccurately reported. I sent a dispute letter to the credit bureau to correct and remove the wrongly reported info but have not heard from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX & XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # 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 a account without my written instructions
Product: Mortgage

Shellpoint Mortgage has been reporting my mortgage as past due for MONTHS. This is not correct. I signed up for bi-monthly auto payments with them. They've been taking out the bi-monthly payments for months with no issues. 

When I finally reviewed my latest bill I noticed there was a late fee on it so I contacted them to find out why. They advised me that even though I was set up for bi-monthly payments I was a month behind? WHY would a mortgage company set someone up on auto pay without telling them they were behind and would remain so? So my credit score is suffering because of THEIR negligence!!

.