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

I have not received any verification of debt or reply. Company violated the cease and desist by reporting to the credit bureau without providing written proof as requested. I have not received any proof of debt or signed documents by me that validates the debt and its been over 90 days. Laws 15 USC 1692 have been violated by the companys actions and I request you to remove this negative account from all bureaus immediately!! I will be looking to file suits and complaints with ftc because my rights and livelihood been affected by there actions.
Product: Credit reporting or other personal consumer reports

In accordance to the fair credit act XXXX XXXX  CORPORAT account number ending in XXXX has violated my XXXX USD XXXX states I have the right to privacy XXXX consumer reporting agencies can not publish my accounts without written instructions
Product: Mortgage

Hi.
I was renting appartments and my landlord put them on the market proposing me to by apps first hand.
I decided to apply to my bank, JP Morgan Chase, where I have accounts for ~5 years.
I called their mortgage hotline. Situation was quite urgent. I applied thru web site on   XXXX   XXXX  , 2017.
I had 10%+ down payment on Chase's accounts and  XXXX +  (Excellent) cre dit score.
Lady on the phone,   XXXX     XXXX , Mortgage Banker who called me after that, tried to get rid of me as fast as possible.
Multiple times I asked her to send me breakdown on closing costs, loan program details. Instead I got only 'preapproval letter'. She also told that it is going to be mortgage program called 'Chase DreaMaker'. No more info. She was extremely inaccurate in locating my appartments in her system, saying that there is a possibility that after everything, bank will not be able to approve project on latest phase.
I tried to find information about so called 'Chase DreaMaker'. No luck - couple of lines of common words on Chase Mortgage.
I tried Chase Mortgage calculator. It showed ridiculous number: closing costs suppose to be   XXXX   per  XXXX  loan.
I decided to go into local Chase Bank.
I called another broker,   XXXX   XXXX  , Chase branch,   XXXX   XXXX  , CA. No luck. Multiple attempts to schedule appointment (including other bank employees) - no luck.
On Monday I finally caught   XXXX     XXXX , it was surprise for her that we had appointment. She briefly told me that I'm, in the middle of contract, can't even think about approval for 'DreaMaker' program, saying that this program for low income people (
Product: Credit reporting, credit repair services, or other personal consumer reports

I started using the Experian app and Experian Boost several months ago. Experian Boost links your utility bills to your credit report, often raising your credit score. 

On XX/XX/2021 my mortgage lender XXXX XXXX XXXX XXXX XXXX XXXX pulled my credit report for the first time for this refi. 

Early in the week of XX/XX/XXXX of this year XXXX asked me to remove the reporting of my utility bills from my credit report, as that reporting was hurting my refi application. 

On XX/XX/2021 at about XXXXXXXX XXXX EST I used the Experian app to remove all the utility reporting through the Boost feature. 

On XX/XX/2021 at XXXXXXXX XXXX EDT, on a 20-minute call, I asked an Experian customer service rep by phone if the utilities would continue to show up on my credit report. She assured me that they would not appear. 

On XX/XX/2021 at XXXX XXXX EDT I asked XXXX to pull my credit report again. 

On XX/XX/2021 at XXXX XXXX EDT XXXX told me that the utilities were still showing on their second pull of my credit report. 

On XX/XX/2021 at XXXX XXXX  EDT, on an 8-minute call, I explained my situation to an Experian customer service rep by phone. She said that I would have to contact the Dispute Dept. but that they were done for the day. She gave me a number to reach the Dispute Dept. 

On XX/XX/2021 at XXXX XXXX EDT, on a 40-minute call, I explained my situation to an Experian Dispute Department rep by phone. He said that he did a soft pull on my report and the utilities did not show up. 

On XX/XX/2021 at XXXX XXXX  EDT I asked XXXX to pull my credit report again. 

On XX/XX/2021 XXXX pulled my credit report for the third time. 

On XX/XX/2021, at XXXX XXXX  EDT, XXXX told me in an email that the utilities were still showing on my credit report. 

You can see in the attachment provided by XXXX that the four highlighted utility entries all show as self-reported bills at Experians XXXX, Texas address. 

Experian 's failure to resolve this problem is making my mortgage refi increasingly unlikely, since the dramatic decline in two of my credit scores can be partially attributed to the three hard pulls XXXX has had to make since XX/XX/XXXX. My XXXX score has dropped 25 points, from XXXX to XXXX. My XXXX score has dropped 17 points, from XXXX to XXXX. XXXX tells me that anything below 630 will probably disqualify me for the refi.
Product: Checking or savings account

Good afternoon! 

I wanted to respectfully request that my phone call to Navy Federal Credit Union on yesterday XX/XX/2022 between I and a supervisor name XXXX be sent for review. From the beginning of our interaction he seemed very agitated and annoyed with me. He also left me on hold for a very long period of time and throughout the entire interaction he did not use any professional soft skills. I did not use any type of choice words and/or profanity and he still remained unprofessional and hung up in my face, because of his frustration of not being able to provide me with an answer to my question. I had the new member that I referred to Navy Federal Credit Union on the line with me whom observed the entire interaction, and has a senior citizen and new member of Navy FCU was appalled at the way XXXX spoke to me and she personally felt that it was something personal about me as a person that XXXX felt that he could treat me the way that he did. 

This is the second time that I have been hung up on from a supervisor from Navy FCU without provocation. I again, did not use any profane language and only called to inquire about the referral that their company website and email states. I even mentioned to him that the new member had to put my Navy Federal access number on the application for me to be able to get the referral credit in 14 days. He spoke over me and after a long hold, came back to line and stated that he apologized but he did not see any current or expired promotions for referring new members to NFCU. I advised him that that was not what the email stated and that I referred two people. He then stated let me check to see what email we sent you. What email? Why would the email be sent to me? I tried to tell him again that the email that I have attached to this compliant along with the online advertisement came from one of the new members.

Left without an answer to provide he simply stated to me " If there is nothing else, I will be ending this call! '' He then hung up on me. This is highly unacceptable and I again feel that NFCU has flagged my account in some shape or form that I am a difficult customer. I took the survey and gave all 1 's which prompts for a member of the escalation team to contact me to see what happened and how they can help. This phone call or any sort of contact has yet to happen. 

Additionally I feel that with what Navy Federal Credit union has posted online for advertisement referring new members is misleading and untruthful. They also confuse the new member by sending them a follow up email that confirms that a referral credit was be issued to both the new member along with the referring member. 

As it stands now Navy FCU will benefit from the 2 new members that I referred and left me out to dry with the referral that was cited. This is unethical and I would like to have the matter investigated with the actual call in question being sent to the CFPB for review. 

I really appreciate your guidance and help with this matter.
Product: Credit reporting or other personal consumer reports

Recently, I did an an investigation on my report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Charge-Off Reporting & Failure to Issue IRS Form XXXX Dear CFPB, I am filing this formal complaint against XXXX for its inaccurate reporting of XXXX XXXX account on my credit reports and its failure to comply with IRS regulations regarding cancellation of debt. This is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Internal Revenue Code ( XXXX XXXX ). 



Issues with the Reporting : XXXX. Failure to XXXX IRS Form XXXX Under XXXX XXXX Code XXXX, a creditor must issue a Form XXXX if a debt of {$XXXX} or more is canceled or forgiven. I have not received a XXXX from XXXX despite this account being charged off. If the creditor has XXXX the debt for tax purposes, they are required to notify me and the IRS. 

2. Conflicting Account Information My credit reports contain inconsistencies regarding this charge-off, including : Different opening dates ( XX/XX/XXXX vs. XX/XX/XXXX ). 

Different high credit values ( XXXX shows {$XXXX}, while others show {$XXXX} ). 

Different credit limits ( XXXX shows {$XXXX}, while others list {$XXXX} ). 

Different Last Active dates across all bureaus.

3. Violation of FCRA ( 15 U.S.C. 1681s-2 ) The FCRA requires XXXX to report accurate and complete information. The discrepancies across the credit bureaus indicate a failure to meet this legal standard. 



Requested Resolution : I am requesting the CFPB to : Investigate XXXX  for XXXX to properly report accurate information to the credit bureaus. 

XXXX an immediate deletion of this charge-off due to its erroneous and conflicting reporting. 

Require the creditor to issue XXXX XXXX if the debt has been canceled, as mandated by IRS regulations XXXX 

Ensure compliance with FCRA and IRS rules, preventing further damage to my credit report. 



This charge-off is negatively impacting my credit, and the creditors failure to comply with federal regulations is unjust. I request urgent corrective action. Please let me know the next steps regarding this dispute. 



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

I have XXXX XXXX  accounts, XXXX was with XXXX XXXX  the other was with XXXX  ... both of these accounts were with a collection agency XXXX XXXX. In XXXX of XXXX XXXX XXXX sent in a request to transunion to remove all tradelines on my XXXX account..in XXXX of XXXX XXXX  XXXX sent in a request to transunion to remove all tradelines with XXXX XXXX ... .as of now this has not happened. Both of these accounts are still being reported as derogatory. Spoke to a transunion representative and she stated that there is a dispute and in XXXX I will get my results, I explained that I am not calling about the dispute and that my call was in reference to why these accounts are being reported as derogatory when the request was to remove all tradelines in XX/XX/XXXX and XXXX of XXXX, first stated she didn't see these request, then she did, very confused and was not certain of her statement, i called back XXXX XXXX and asked them if the credit bureaus did an investigation on tradeline remarks being removed and she said no.
Product: Checking or savings account

Bank of America suddenly closed my accounts on XXXX XXXX, 2024 and I have called weekly to ask about my remaining funds which they gave me a XX/XX/XXXX date and that it would be mailed in a cashiers check. I called today to confirm this and now they gave me an estimated XX/XX/XXXX date
Product: Mortgage

XXXX XXXX, XXXX Director XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, IA XXXX Headquarters address Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX ; RE : SPS ACCOUNT : XXXX XXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXX : ( XXXX ) XXXX RE : ADDITIONAL CLARITY Please allow me to reintroduce myself. My name is XXXX XXXX. I purchased a home at XXXX XXXX XXXX in XXXX XXXX. I was returning back to the US after servicing my country not in the military but as being XXXX XXXX XXXX XXXX XXXX XXXX XXXX based in XXXX XXXX. 

I invested my life savings of {$200000.00} on the home. Today I am exploring foreclosure options with Select Portfolio Servicing due to XXXX in XX/XX/XXXX. XXXX. 

RATIONAL : I HAVE PAID OVER {$530000.00} ON THIS HOME TO SERVICERS ON AN ORIGINAL LOAN OF XXXX. 

AFTER 11 YEARS THE DEBT REMAINS AT {$910000.00}, {$730000.00} CURRENT AND {$150000.00} DEFERRED I HAVE PAID OF AND ADDITIONAL {$100000.00} TO SETTLED THE ORGINAL XXXX XXXX XXXX MORTGAGE. 

THIS IS AFTER A XXXX MODIFICATION IN XX/XX/XXXX THAT HAVE NO RELIEF OR PRINCIPAL REDUCTION. ONE COULD ARGRUE THAT IF A MARKET REPRICING OF THE MORTGAGE HAD OCCURRED IN XX/XX/XXXX THE DBET WOULD HAVE BEEN RETIRED TODAY. 

THE MISREPRESENTATION OF THE ORIGINAL MORTGAGE BY XXXX DID NOT DISCLOSE : THE AMORTIZATION FEATURES THE MODIFICATION WAS DONE UNDER DIREST AND DID NOT DISCLOSE THE PRINCIPAL DEFERAL. 
FOR THE PAST 7 YEARS THE MORTAGE PAYMENTS HAVE BEEN ABOVE THE PRE MODIFICATION. 

IT WAS NOT DISCLOSED IN THE ORIGINAL MORTGAGAE OR MODIFICATION THAT THE PROPERTY TAXES WERE HIGHER THAT THE MORTGAGE. THIS MORTGAGE UNDERWRITING IS UNECONOMIC. 


I believe that I was defrauded by XXXX at the time of my mortgage origination. 

An uneconomic and irrational payment structure. 
My mortgage principal and interest is less than my monthly property taxes and insurance. 
After a modification my monthly mortgage payments are higher than my original payments. This was a negative Home Affordable Mortgage Program experience. 
My Principal Balance today, XX/XX/XXXX, after 16 years is higher than it was in XX/XX/XXXX. 

Reccomendation Please conduct and audit and analysis of my mortgage modification and complete history with XXXX, XXXX and SPS. 

Please assist me in receiving a debt " cram down '' valuation base of my history for the mortgages. For example, my total payment from XX/XX/XXXX to XX/XX/XXXX approximates my original principal debt or {$990000.00} in payments vs. XXXX in original debt. 

Thank You. 

Sincerely, XXXX XXXX SPS ACCOUNT XXXX XXXX XXXX XXXX AMOUNT PRINCIPAL {$760000.00} DEFERRED {$140000.00} PRINCIPAL {$900000.00} MONTHLY PMT PRINCIPAL {$1100.00} INTEREST RATE {$1200.00} {$2400.00} ESCROW {$2500.00} TAXES INSURANCE
Product: Credit card or prepaid card

This company has has this account listed as closed with days late reporting for 30 and 60 days plus worst rating listed as 60 days. This is inaccurate reporting because the account is listed as closed. I have disputed this account from XXXX without any results.
Product: Checking or savings account

My father passed away in XXXX. He had a checking and savings account with Bank of America. I closed the account upon his death. I provided a letter of instruction and requested financial records. I was provided with nothing. For XXXX years Bank of America withheld funds of the account and refused to provide the financial records requested. They eventually sent an invoice for almost {$700.00}. It was only {$20.00} for the records themselves. I asked questions but did not receive a response. The bank decided to deposit the funds into the registry of the probate court and to charge me for the time spent on the case. Even though I provided them with information that the heirship determination was appealed and contested and I was the only Adjudicated Heir. 

I asked them for this reason not to deposit the funds into the registry of the court, but instead to continue holding the funds or to disperse them according to my fathers will, which was probated. 

The bank refused and proceeded to Interplead and attempt to deposit the funds into the registry of the court instead of holding on to them or dispersing them to myself ( the only adjudicated heir ). Nothing in the Texas Finance Code says funds must be deposited into the registry of the court and I believe this is a violation of my rights.
Product: Debt collection

Southwest Credit Systems at XXXX XXXX XXXX, XXXX  XXXX, XXXX, TX XXXX, has added an collection to my credit in the amount of {$120.00}. This Collection has been reported as " past due balance and unpaid. '' I do not know of this company and I have never done any business with this company. This company does not have a contract with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported the date of first delinquency as XX/XX/XXXX to EQUIFAX for acct # ending in XXXX original account was with XXXX XXXX. Then changed the date of first delinquency to XX/XX/XXXX see copy of original report ( my Equifax XXXX Original Amount Owed {$640.00} Amount {$1400.00} Status Date XX/XX/XXXX Status UNPAID Balance Date Account XXXX XXXX XX/XX/XXXX INDIVIDUAL_ACCOUNT # # # XXXX Account Number Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XXXX XXXX, XXXX Comments MEDICAL Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX )
Product: Mortgage

Lender has not credited funds correctly during Chapter XXXX bankruptcy. XXXX hs been discharge XX/XX/2022 and as of XX/XX/2022 I can not get an accurate balance and payment information from lender. XXXX statement shows zero payment due for XXXX, but when I call lender to inquire about payoff status, I was informed that I owe {$16000.00}. I have made all regular payments and payments to trustee and am current to date. Everyone I speak to at the lender tells me a different thing and report disparate numbers for whats owed.
Product: Mortgage

I was in Forbearance that ended on XX/XX/XXXX. I recd a Payment Deferral Agreement from AmeriHome Mortgage that I was approved and to make my XX/XX/XXXX payment for Deferral to be effective. I did the payment and thought that the Deferral was being processed. I called on XX/XX/XXXX and the Agent emailed the Loss Mitigation Dept as to why the Deferral was not processed yet. Followed up on XX/XX/XXXX and spoke to a XXXX XXXX # XXXX who was from the XXXX XXXX and told me that I need to make 4 payments in order for the Deferral to go thru..I told her that the Agreement did not state that. She said bcoz I was late 1 month before the Forbearance started plus the XXXX, XXXX and XX/XX/XXXX payments which totals 4 mos. She took 4 payments totaling {$7700.00}. She said my acct will notated and to call back after a few days to check. I called back on XXXX to check, spoke with XXXX XXXX and told me that the payment didn't go thru bcoz XXXX XXXX failed to read the disclosure and we got disconnected. Told him that we didn't get disconnected as we said our goodbyes and told me to follow up. So I gave my payment again as I checked my acct, the money still there. He took it and gave me conf # and told me to follow up on XX/XX/XXXX. In the meantime, I received another letter about my delinquency and to contact HUD Counselor. I'm having anxiety that they will foreclose my home. I called back today XX/XX/XXXX and spoke with XXXX XXXX XXXX # XXXX and advised me that the $ XXXX plus payments were returned back to me and he and his Lead don't understand why it was returned again and why the Deferral was not processed yet. 
This is why I'm filing a complaint because this has been going on for months now and the Deferral has not been processed.
Product: Credit card

Citi Bank has closed all my credit cards with them which includes my two Home Depot credit cards, Macys amex card, and Citi world elite master card. Citi banks explanation for closing my accounts was " shows you have too many open revolving credit accounts '' This is a false cause because I have not had any new accounts for over 3 years and I don't have that many accounts. My credit has been exactly the same for the past 4 years and I have been with citi since 2017 and have never missed a payment nor any delinquencies. My credit is over an XXXX score and I don't have any lates or discrepancies. Citi has been recently fined by the cfpb for closing bank accounts for XXXX  people with last name ending in XXXX or XXXX. I am a victim of this XXXX. I will move forward with a lawyer if citi does not re open my accounts because this is XXXX  and discrimination just because I am an XXXX. I have had credit for over 20 years and never had a bank close my accounts ever. I have wonderful credit which I have proof of. Citi bank must reopen all my account I have had years of wonderful credit history with them and never gave a reason for an account closure. The only explanation as my lawyer said was me being XXXX. Please help me.
Product: Credit card or prepaid card

I went to The XXXX XXXX of Nevada for a sleep study. There was an agreement for me to pay six ( 6 ) equal payments on the XXXX of every month for {$89.00}. For two consecutive months they billed me twice on or about the same day. When I noticed it, I disputed the second charge. The credit card stated they sent me a notice saying that the merchant responded and they required additional documentation. Even in my online account, it says two notices but there is only one. The second notice, I did receive and responded providing the contract of the payment arrangement. I am still waiting for a result by XXXX of XXXX  My issue is the first one, I never received notification because I would have provided the same document.
Product: Student loan

Nelnet has organized my loans into groups ( Group A, Group B, Group C, etc. ) and lists an " interest rate '' for each Group. For almost two years, I have been diligently making extra payments to the groups I believed had the highest interest rates. 

I recently discovered the 6.276 % " interest rate '' listed for Group A is misleading. Group A actually contains XXXX separate loans : Loan XXXX ( about {$20000.00} ) is at 6.8 % interest, while the other XXXX ( totaling about {$10000.00} ) are at 5.41 %. So, even though I believed I was prioritizing my highest interest loans, I have been missing a {$20000.00} loan hidden among loans with lower ( in fact, the lowest ) interest. 

This seems unfair and I can not help but suspect these groupings are intentional. A student loan servicer should not be able to hide high interest loans in a group with low interest loans, especially when that makes the entire group appear to have a lower interest rate. 

When I first spoke with Nelnet, they informed me the only way to apply payments strictly to Group A, Loan XXXX was to make a payment to all of Group A, wait for it to clear, and then contact their accounting department to reallocate the payment. This whole process would XXXX XXXX days. Concerned about the delay and the prospect of having to do this for every payment, I then asked them to separate my Group A loans by interest rate. They claim they are processing the request. 

I feel misled, but I am less concerned about my own situation than by the prospect of others having the same experience. This seems unfair and deceptive and I hope the Bureau can investigate whether Nelnet uses this practice regularly. 

Thank you for your assistance.
Product: Vehicle loan or lease

Car was totaled in XXXX. XXXX insurance and XXXX  paid off the remaining balance of {$1200.00}. ALLY bank is charging XXXX and XXXX car note along with additional fees and interest. Billing me due to an error with the XXXX  reported dates. Ally refuses to fix their error. 
The corporation is refusing to allow me to speak to upper management as well.