23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

LoanCare , LLC is my current servicing company for the home mortgage. 
Form the month this loan got to LoanCare , LLC for servicing a deferred payment amount of {$2700.00} being reflected on each and every statement. 
We have submitted multiple requests for an explanation and description of this amount with the dates and incidents it occurred from. 

This company simply ignored all of those requests and it is impossible to get in touch with them.
Product: Debt collection

This is my debt, however there werent many resources to assist with the amount that is due. I tried a payment plan but the amount was too much for me to handle. I can do like {$100.00} a month but thats going to take forever to pay off and also have other bills that are due. If theres any way to assist with my debt, that would help a lot.
Product: Credit reporting or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX and XXXX XXXX  XXXX XXXX
Product: Credit card or prepaid card

I submitted a CFPA complaint on BOA last week. In response, a rep from BOA " collections '' left a VM, with a name and a 6 digit extension. Neither he, nor the ext. number given exists. I placed 6 calls, to the number given, stating it was " a debt collections department '', leaving messages, in response to a CFPA complaint, on what ever voice mail I got, using the 6 digits, yet getting a different persons VM each time, always requesting, to be routed to the correct department. It has been a week, and I have yet to receive another call. 

PREVIOUS COMPLAINT SUBMITTED : My credit line with BOA credit card was drastically, unjustly lowered, with out merit, from approx. $ 33k to {$1200.00}, a week after, I refied, consolidated, paid off the majority of my credit cards in full, including $ XXXX to BOA. 

BOA 'S MERITLESS ACTIONS HAVE DRASTICALLY EFFECTED MY CREDIT SCORE, ABILITY TO GAIN CREDIT, AND QUALIFY FOR A CONVENTIONAL LOAN. 

As my credit score would have risen, after my credit debt was paid off. In stead, after BOA 's actions, based on no merit, my score has decreased substantially, making all of this impossible now. 

I have been with BOA for approx. 20+ years, always with an A rating always paid on time.I have had a long relationship, various business, personal, and merchant accounts. 
In X/2016 I refinanced my home to an FHA % 3.27, and paid off 3/4 of the balances on credit cards, LOC, and cashed out $ XXXX, still retaining a 2.1 loan to value. 
In XX/XX/XXXX my Refi FHA Mortgage Loan was $ XXXX, appraised {$1.00}, comp value {$2.00} - XXXX. So my financial and credit situation improved with these transactions. In addition, I my credit was good enough to have qualified for an FHA loan. There were no derogatory information on my credit reports, and all in good standing, then and now. 

I completely paid off this BOA account, wanted to retain this account to use, for medical, etc. only when and if needed, due to the low % rate, and relied on having this credit available. And due to my credit history and long relationship, I was receiving a low 6.99 % rate on this account, with an A rating. 
Directly after pay off, in XX/XX/XXXX, a week after refi, BOA drastically lowered my credit limit from {$33000.00}, to {$1200.00}, stating inaccurate, unfair, and false information. As my financial situation IMPROVED with my refi lowering my % on mortgage , % on credit, and pay offs, and my monthly overhead was lowered by more than 35 %. 

Therefore, I believe that BOA committed ANOTHER act of fraud, and MORE unfair business practices. 

NOW you can add their call back rouse, their " attempt '' to address CFPA complaints, to these unfair fraudulent practices. 

In addition, any corespondense from BOA, must be in writing, with contact phone numbers and extensions for REAL people.
Product: Checking or savings account

On XX/XX/2020, I submitted an online application to Citibank to open a savings account. I received a letter rejecting my application and I contacted the bank. It was clear from our conversation that my previous identity theft duly reported to all three credit agencies to the federal trade commission etc. was responsible. The banker I spoke with on XX/XX/2020 assured me that if I removed the freeze from my account at XXXX there was a high probability the account could be opened despite the fraud alert that remained with all three credit agencies. I therefore lifted the freeze from XXXX From the date of our conversation on XX/XX/2020 through XX/XX/2020. I received a letter today on XX/XX/2020 notifying me that Citibank could not open the account based on the information they had received from XXXX. Records of my credit security at XXXX XXXX  confirm that Citibank contacted XXXX on XX/XX/XXXX and XX/XX/2020. Thus my application was rejected solely on the basis that I had a fraud alert entered on my report. The freeze has been lifted from XX/XX/XXXX through XX/XX/2020. I think it unconscionable that the mere presence of a fraud alert should preclude opening an account when all the appropriate identifying information has been submitted. I called Citibank today on XX/XX/2020 and they informed me that I should put in a third application which is very time-consuming process online and clearly would go nowhere since citibank new account management has decided that the account would not be opened. This is a sort of low grade fraudulent activity that characterizes criminal institutions like Citibank, XXXX XXXX etc. its only a matter of time till the weight of these complaints eventually catches up with the institution. I doubt anything will happen on the basis of one report like this but a report here a report there pretty soon youve got a few hundred reports And heads may roll. Thank you for your consideration.
Product: Credit reporting or other personal consumer reports

Ive detected mistakes on my credit report tied to 15 USC 16c-2. The inquiries shown are not authorized and are affecting my credit. Kindly remove all unauthorized hard inquiries. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an complaint through the CFPB on XXXX, XXXX, and TransUnion the complaint number is as followed : ( XXXX  XXXX   ), ( XXXX  XXXX ), ( TU XXXX ). My concerns was that their was Incorrect Information on my credit report from my Personal Name, Address I never lived at, Account on the credit report, jobs, phone numbers. Also, accordingly to the Fair Credit Reporting Act on the Furnisher of Information can report anything to the credit bureau on my credit report. Section 623 Responsibility of Furnishers of Information to consumer reporting agencies. All three depositories XXXX, XXXX, amd Transunion is allowing XXXX XXXX XXXX to report information to them concerning my history. I have never open anything up with XXXX XXXX XXXX. I open an account with another company XXXX XXXX 's and XXXX  and their is nothing in the Fair Credit Reporting Act laws that says because XXXX XXXX XXXX brought out XXXX XXXX 's they ave the right to report anything concerning my payment history. I am going to provide everything from XXXX  that was on my credit report. That was sent to me in the mail along with a complete credit report from XXXX XXXX. I have been dealing with this since XX/XX/2018 the information I am providing should not be on my credit report. I am not XXXX XXXX XXXX XXXX. I don't have a son. XXXX, XXXX, and TransUnion is defaming my character with Grantors of Credit by allowing false information to remain on my credit report. And allowing someone whom I never open an account with XXXX XXXX XXXX to report information on me on a close account with whom I had done business with.Just because they brought out the company but their is no law says they have the rights to report anything on me. They are all allowing pass address that I never lived at to remain on my credit report. XXXX  has allowed 13 Inquires that I have never done business with to stay on my credit report, XXXX XXXX XXXX XXXX needs to confirm with the Credit Bureau XXXX XXXX  XXXX XXXX needs to confirm with the Credit Bureau
Product: Checking or savings account

Bank of America I had open a bank account with them back in XXXX of XXXX  I believe they was double dipping in my account
Product: Prepaid card

My name is XXXX XXXX i have a rush card, I went to XXXX to had money to my card I did XXXX cash deposit XXXX for XXXX dollars and the other was for XXXX. And I never got my money on my card. It 's been 3days ever since Friday. I have bills that is due by a certain time and every time I call rush customer service there is always a long wait with no answers. My money is missing and I wan na it now. I have XXXX plus a grandson so I need my cash.
Product: Credit reporting or other personal consumer reports

Under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached you'll find my most current credit profile as of today XX/XX/XXXX from XXXX a paid service. There are highlighted areas within the attachment that I circled/pointed out as inaccurate and being reported incorrectly. 

XXXX XXXX There are several addressed on the XXXX  report that aren't mine at all. 

XXXX ) There is a Bank Of America Account starting number with XXXX that is reporting previous late payment However the whole account was agreed to be full deleted from my credit report back in XXXX of XXXX by Bank of America. 

XXXX XXXX There are several Hard Inquires highlighted at the bottom of the report that were Not Authorized and I believe to be Fraudulent.
Product: Credit card or prepaid card

I filed a CFPB complaint against American Express on XX/XX/XXXX, got response from the company today as of XX/XX/XXXX. However, the company refused to address my complaint by stating " During your online application you were advised based on your history with American Express Welcome offers, introductory APR offers, or the number of cards you have opened and closed, you are not eligible to receive this Welcome offer. The message also explained that no credit check had yet been performed and you were given the option to cancel the application or proceed. You elected to proceed with the application, without the Welcome offer. '' This claim was completely false. I am 100 % sure no such message was provided during my application, or I would not have proceeded with my application. In my initial complaint letter, I also clearly stated " Then I was told that on the XXXX website where one can apply for the credit cards there will be a message towards the end of the application process that tells you if you are eligible for the welcome offer prior to the final application processing. However, in my case no such message was provided during my application process. Hence, I assumed that I was eligible for the promotional offer. More importantly, XXXX should be obligated to inform the applicant immediately even if they have the so called " reserved rights '' to decline offer any time for any reason ( based on what the online agent said ). '' I suspect that the company was not even paying attention to my descriptions in the letter. Therefore, I submitted a new complaint immediately onXX/XX/XXXX. I received the same response from the company on XX/XX/XXXX claiming that I was provided with the eligibility information for the welcome offer prior to the final application processing, which was completely false. This was a deceptive marketing event and through my conversations with other American Express customers, I learned that I was not the only one affected by the recent fraud activities. I demand that this event be thoroughly investigated and further involvement of legal authorities if necessary.
Product: Mortgage

My wife and I are both retirees. We wanted to secure access to funds for years in the future ( est. of 5-8 years ) when we might need added funds to meet our mortgage 's changing payment terms but when we would be TOO OLD to process the change with sound decisions. We were attracted to an alleged HELOC offered by a firm new to us and apparently NOT a regulated bank called FIGURE Technologies , Inc. We quickly obtained a so-called " HELOC '' for about {$200000.00} which we later realized would cost us 3 % of the {$200000.00} loan amount as an UP FRONT fee AND we would also pay 5.25 % interest AND if we repaid some of the loan the rate when we would be able to " re-borrow '' the funds again ( say within 5-8 years ) would be at a higher interest rate or not possible at all. With the coming recession, we would like to payoff the so-called HELOC or else reduce the interest rate and/or upfront fee. We are told we can not reverse or reduce the 3 % up front charge made a few months ago at inception and we can not reduce the interest rate. 

A better approach for us would have been to be refinance our existing mortgage with XXXX but we didn't know whether or not FIGURE could refinance mortgages.
Product: Debt collection

This debt was negotiated with the collection agency to be paid for a settlement sum and they agreed to remove it from my credit report. They continue to report this debt as being open collection even though it has been paid. They also are not abiding by our agreement to remove as open from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing in regards to my recent credit report and the negative items that are currently listed. Upon reviewing my report, I have noticed several discrepancies that require immediate attention. 

Firstly, there are two addresses listed under my personal information that are not correct. The first one is located at XXXX XXXX XXXX XXXX, TX XXXX and the second one is located at XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Please remove both of these addresses immediately from my report as they do not belong to me. 

Secondly, I have noticed that two employers have been listed on my report that are not mine. The first one is listed as " XXXX XXXX '' and the second one is listed as " XXXX XXXX XXXX XXXX ''. Please remove both of these employers from my report immediately. 

Furthermore, I have noticed several inquiries on my report that I do not recall authorizing. The companies listed are 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 Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. Please remove all of these inquiries from my report immediately as I have no recollection of authorizing them. 

Additionally, there are several accounts listed on my report that I do not recognize. These accounts are listed under XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, and My Community . Please investigate these accounts and remove any that do not belong to me from my report immediately. 

Lastly, I have noticed that several inquiries on my report have violated Metro2 reporting compliance by not reporting their contact information. The companies listed are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. Please remove all of these inquiries from my report immediately. 

I request that you take immediate action on the above discrepancies and remove any negative items that do not belong to me from my credit report. I appreciate your assistance in this matter and look forward to your prompt response. 

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

I have tried to dispute an old account that is reporting on my Equifax credit file but Equifax has not responded. I tried to even attempt disputing on their website which doesn't let me in, then I tired to contact them and no one picks up. I have sent them a dispute in the mail and it's been well over 90 days. It's impossible to get any type of communication with them to get this resolved.
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within XXXX business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

I was issued this loan on XX/XX/XXXX thru my school my last loan issue was XX/XX/XXXX. The loan amount totally around 20k, as of XX/XX/XXXX I still owe XXXX . 
I was attempted serveal time to talk to Navient but no one would give me a straight answer why am still paying almost the full balance 10 years later. On top of that they buy me on a graduate lap. Which I been paying {$220.00} that went to {$670.00} in XX/XX/XXXX. 
Again if am a public service employee why was I out on a forgiveness loan so I can be done with this loan this year XXXX no instead am still paying on a loan for more then 10 years
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FRCA, Transunion Credit Reporting Agency has violated my rights by listing inquires known and unknown on my report without my written consent given to me by code 15 U.S.C 1681 section 604a section 2. Also, code 15 U.S.C 1681 section 602a states I have a right to privacy. 

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

In accordance with the Fair Credit Reporting act. XXXX, has. violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX has. violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX, has. violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX, has. violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX has. violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX  has. violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX has. violated my rights.
Product: Mortgage

Roundpoint mortgage company sold my loan to XXXX. I was never notified. For 5 months my mortgage was not paid ( it was on XXXX XXXX. I do not live in the XXXX and only found out about this when a XXXX XXXXXXXX XXXX contacted me about foreclosure. Since then, I contacted XXXX and paid the 5 months I was delinquent by phone. The very next day, and everyday since, I have tried to access XXXX XXXX website and it doesnt work. I have read tons of complaints about this company and am worried they didnt process my payment or some other shenanigans with my account. Please help. I would like to file complaints against both companies.
Product: Payday loan, title loan, personal loan, or advance loan

I had a loan with one main finance my job had got slow and I kinder behind on the payments
Product: Credit reporting or other personal consumer reports

Reported fraudulent INQUIRIES that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress. For these violations.
Product: Credit reporting

XXXX XXXX XXXX keeps places debts back on my credit report that were previously removed. They will be XXXX, then show up on Equifax XXXX and visa versa. The debts have never ever been verified. Each and every time I request verification. I state to them that the debt is well beyond the SOL and is a time barred debt. These debts were closed and sold between XX/XX/XXXX and XX/XX/XXXX. They show them as current open collection accounts. They have repeatedly done this even though they have been sued and settle for the exact same things. If it is not them it is one of the subsidiaries. This has been going on for a very long time. How is it that the credit reporting agencies are allowing them to do this without consequences.
Product: Mortgage

Mr. Cooper has a bad staff member that should be fired. XXXX after Mr. Cooper had my XXXX XXXX dismissed it was all mixed up, because of the XXXX record keeping. Mr. Cooper charged back all off my XXXX XXXX debts both pre and post-petition XXXX. In fact Mr. Cooper denied having ever received trustee payment. I was forced to provide canceled checks. That was not enough. I was forced to arrange a phone call with Mr. Cooper and trustee. I have attached email to Cooper. Its making sure funds cleared. ( Trustee ) attached. BAM Mr. cooper finds payments. From not payments ( XXXX pay ) attached. ( x ) attached Cooper comingles claims from 2 properties. ( XXXX ) attached Cooper sort of nearly comprehends error. But does not fix. While many have handled my account the name on all these is XXXX XXXX, who should at least be able to see what she has said in the past. I believe she is attempting to cover her errors. This agency should not accept reply from her in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and I saw accounts that was opened that I did not opened. Someone has been using my name and social security number. 

Capital One {$2700.00} XXXX XXXX {$430.00}