23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I am submitting a follow-up complaint regarding the inconsistent handling of my disputes with American Express related to my Checking Account ending in XXXX. These disputes, XXXX and XXXX, pertain to the same transaction with XXXX XXXX XXXX for a total of {$8700.00}. The disputes were split into XXXX parts, yet Amex 's resolution process has been contradictory and incomplete. 

Partial Resolution of Disputes : Amex has provided Regulation E credit related to dispute XXXX, acknowledging the validity of my claim for that portion of the transaction. However, no such resolution has been provided for dispute XXXX, despite the fact that both disputes arise from the same transaction and pertain to identical circumstances. 

Lack of Movement on XXXX : According to my conversation with an Amex representative XXXX Monday, XX/XX/year>, there appears to have been little to no progress on dispute XXXX. The representative was unable to provide further status updates or clarify the reason for the lack of movement on this portion of the claim. 

Inconsistent and Unfair Handling : Splitting a single transaction into XXXX disputes should not result in inconsistent resolutions. Since the disputes pertain to the same set of facts, both portions should have been addressed and resolved in the same manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC VIOLATIONS SENT EH FTC EXPERIAN : XXXX AND XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

id theft victim accounts opened XXXX XXXX XXXX XXXX XXXX XXXX i need a letter of validation sent to me please from these creditors rental application with my ssn on it, Dl and any other information i am attaching my id theft report along with proper id and ssn this is fraud
Product: Debt collection

Dispute of Alleged Debt Account Number : XXXX & XXXX Dear Compliance Officer, I am disputing the validity of the debt referenced above, which you claim I owe. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, I demand a thorough validation of this account. In order to substantiate your claim, provide the following documents : 1. The original signed contract or purchase agreement proving that I agreed to the debt.

2. A full account history including all charges, interest, fees, payments, and adjustments.

3. Proof of your authority to collect a notarized copy of the assignment agreement or purchase contract between your agency and the original creditor.

4. A complete list of previous owners of this debt if it was sold or transferred.

5. Proof of accuracy copies of any documents you used to verify the debt before reporting it to credit bureaus.

6. A sworn affidavit from an original creditor representative confirming the debts validity.

Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 3 ), you are obligated to ensure that any information you report to credit bureaus is 100 % accurate. Until full validation is provided, I demand that you immediately delete this account from my credit report.

I also invoke my right under 15 U.S.C. 1692c ( c ) to request that you cease all further communication with me regarding this alleged debt, except to provide the requested validation or to inform me of specific actions you are taking.

Failure to comply with these requests will result in my pursuing all available legal remedies. 

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

i HAVE CALLED EQUIFAX ALMOST 100 TIMES TO BE ABLE TO GET MY CREDIT SCORE ON EQUIFAX.COM I NEVER CAN. I ALWAYS GET AN BLNK ERROR OR A NH ERROR I'VE OPENED MANY CASES. SO FAR, CASE XXXX XXXX XXXX XXXX XXXX WAS OPENED AND NO ONE EVER CALLS ME BACK. EVER. NOTHING EVER IS DONE AT THIS COMPANY. I'M READY TO PURSUE LEGAL ACTION.
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning the first of XXXX, I received a XXXX bill from XXXX XXXX XXXX for services received in XXXX saying it was past due. I tried & tried to work with them as well as the past employer that should have paid it and got no results. I finally decided to go to the XXXX Department of Labor about the issue. By the end of XX/XX/XXXX, According to The DOL, the Company paid their part of the XXXX  claim that they owed and the bill was now paid in full. I called XXXX XXXX XXXX and they stated that it had indeed been settled by the insurance company as it was supposed to be. I have contacted and filed disputes with Experian to get the $ XXXX removed from my credit as it had been paid and the debt collection was not due to my lack of payment, but the insurance company used by the previous employer. It has now been XXXX  months since I filed a dispute and have not received anything back from Experian regarding the dispute. It is still on my credit report and is definitely affecting my credit. It looks like it was updated last month, but it is still on my credit. This needs resolved!
Product: Credit reporting or other personal consumer reports

( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

I have attempted several times to have the following negative accounts removed XXXX XXXX the company has been paid and agreed to remove from credit report 3 years ago XXXX was removed from credit report and have not provided evidence of being verified and magically appeared back on my credit report
Product: Mortgage

XXXX XXXX  is not applying payments received to the mortgage account. In total, the bank has not properly applied {$5600.00} received by the bank since XX/XX/2018 to the mortgage. 

A cash payment of {$650.00}, made to a Key Bank branch, is unaccounted for. This is despite having provided them with proof of the payment in the form of a tellers receipt that includes the dollar amount and the account number. This payment was made 4 weeks ago and they still have not provided any information on the whereabouts of these funds. 

In addition, the bank has either held or returned payments of {$1000.00} and {$500.00}. 

The bank does not adhere to or apply the policy stated on their mortgage statement documents regarding partial payments. 

Customer service is is unaware of their policies and can not provide details on policies or the status of payments. 

The bank has failed to provide the terms and conditions that apply to the loan in over three weeks.
Product: Credit card or prepaid card

I don't believe that I have been financially harmed at this point. However, it could have gone bad very quickly, had I not started using my online banking App. I was sold an " upgrade '' to my existing B of A account. A business credit card with " better '' reward benefits. I assumed it was an ordinary Mastercard account. What was not disclosed at the Branch where I signed the agreement, which I am now trying to understand how and why this account works. I use my card say it's 0001. Some time after the close of the billing cycle but before the due date, I go to my local branch to pay part or all of the balance due as reported by the teller, when I ask them to verify my current balance. That payment is electronically transferred and posted to the card. Some time after, whatever remaining balances that were unpaid are moved to the " Corporate acct '' with a different account number say 0002. So this balance sits there in the " corp '' and does not get paid when I send payment to 001 every month. So now I have about {$5000.00} in unidentified purchases that I need to review and pay the balance on. They were having a very difficult time explaining when and why my balances were being moved around. Looks to me like a splitting of the account that was not what I wanted.
Product: Mortgage

Our home loan used to be with XXXX XXXX XXXXXXXX until it was sold to Selene Finance in the last couple of years. Due to XXXX, my wife lost her job and we lost our small business. We applied for a loan modification last year but the numbers they gave us were significantly higher than our current payment amount and so we appealed for a lower amount. We never received an answer in the mail ( although they claimed that they sent one ), and ultimately found out our appeal was denied, and that basically an appeal did not apply to our situation because we had been " approved '' ( basically take it or leave it ). Eventually we were told to reapply, which we did. We received a vague approval letter with no package of information. Upon speaking on the phone we learned the numbers are even more astronomical, approximately 75 % more than original payments on top of a hefty down payment. That being said, this was over two weeks ago and we still haven't received any actual paperwork. Throughout this process their communication has been lacking to say the least. Then somebody showed up to make sure we are still living here. We feel as though they are trying to push us out of the house.
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed these charge off on this XXXX   XXXX And XXXX  XXXX XXXX for months.XXXX and XXXX   have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' "
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a credit check from Bank of America. I did not authorize this. It came on my credit report and emails. This isnt me. Someone used my information.
Product: Credit card or prepaid card

Under two separate complaints, XXXX and XXXX, concerning BoF 's troubling policy/procedure in dealing with Americans serving overseas ( with APO addresses ) and BofA falsifying they reasons for denial of a credit card. Bank of America apparently lied to CFPB claiming they actually resolved these complaints. They did NOT. In fact, ALL they have done is send notices to say it is under research and they need more. time to " investigate '' and will get back to me with more information ( which they never do ). 

CFPB must NOT accept as closure to a complaint a mere statement from the company that they are " researching '' the problem and need more time. This is NOT closure. CFPB should require an actual conclusion, one way or another, to complaints, and NOT close them when the company claims to still be researching. 

Bank of America must revise its policy/systems to give the actual reason credit was denied ( as required by law ) even if the false reason given was a clerical error, and they must revise procedures to NOT require US personnel overseas to phone ( international call ) during US business hours to allow the complaint to be heard.
Product: Credit reporting or other personal consumer reports

I sent a letter out on XX/XX/XXXX to Experian, XXXX, and XXXX. Here is my tracking number : XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness of 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 ( 5 ), 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.
Product: Credit card or prepaid card

There is a lawsuit against Bank of America during Covid -19 unemployment fees. Please look into this matter. My unemployment was issued through this financial institution and it has been bought to the countrys attention of the XXXX dollars lawsuit. My name is XXXX XXXX. Let me know what further information may be needed on my part.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed The account.
Product: Debt collection

The original creditor is XXXX XXXX XXXX XXXX {$8100.00}
Product: Mortgage

I applied to refinance with existing mortgage company 6 months ago. They immediately did an appraisal and charged me for it. I have been a customer with them for four or five years and never even had a late payment. I have submitted every document they have requested but nothing has happened. Meanwhile the rates have gone up and I would have to start over with another appraisal fee. I do not hear anything from them anymore. I should at least be entitled to a refund of the appraisal fee if nothing else. Each month that they do nothing cost me another {$250.00}. I am XXXX years old and this has been very very stressful for me. The name of the company is NewRez. My initial mortgage company switched me to them.
Product: Other financial service

I was told, i could have my loans cut by 50 %. All I have to do was pay a fee upfront and then 30 days after I would agree to pay a certain amount monthly for 12 months and my loan would be paid off. This happened in XXXX. But now in XXXX, I started to get letters about paying for this loan I thought I already paid off years ago. Turns out I did enter an agreement to pay monthly with the right company but the Company i originally spoke to where the fee went to were scammers. No company heard of them and when i looked at my XXXX statements to get the name and search who they were. It says they closed down and had other complaints for asking for fee to settle loans upfront. Company that I think scammed me are called Richard J. Boudreau and Associates.
Product: Mortgage

I have applied for at least  XXXX  loan modifications since approximately summer of   XXXX    . My request in   XXXX   was denied due to employment income being too high. When I applied in   XXXX  , I was currently on short-term  XXXX  with my employer and was still receiving full compensation. Since I was receiving full pay, I was then denied the modification request.     I was then awarded social security benefits in   XXXX   XXXX     and was then advised that I am totally  XXXX  and unable to return to work. I then reapplied for another loan modification since my financial/employment has changed. I repeatedly received numerous requests f or CitiMortgage requ esting documents and clarification on numerous items. I provided all documents to them as requested. I was just notified yesterday via phone that my request for modification was denied due to income being too high. My representative then told me that it appears that I earn approximately {$2800.00} per month. I then explained that my social security award letter confirms that my monthly benefit is {$2100.00} per month. I explained that I currently receive a monthly insurance long-term  XXXX  payment, but this monthly benefit is an insurance benefit and is not guaranteed. My monthly pay has been reduced by over 50 % since becoming unemployed.
Product: Credit reporting or other personal consumer reports

I have contacted XXXX  numerous times prior to the due date of my car payment to have my monthly payment pushed to the end of the loan. I advised my father was XXXX  and I was behind in taxes. They refused to file the request till my payment was past due on the XXXX of XXXX. When I called in XXXX they advised it has to be close to 30 days past due to file. Contacted in XXXX and at this time my father in XXXX, again refused to submit request until after the XXXX in XXXX. Called at this time and advised it was the XXXX, and called again in the XXXX and they finally sent the request but advise will report my XXXX payment deliquent which is not due till the XXXX. Advised I would like to request both month pushed as I am paying funeral cost as my father passed on the XXXX and advised this can not happen till the XXXX at which time my XXXX will report to the credit bureau as delinquent. I feel this is an inappopriate tactic used on consumers especially those who have made payment on time. This is blackmail or strong arming the consumer who is attempting to stay in good standings. They never sent a receipt of filing the request and never provider references as if the conversations will be erased. They never approved or declined the request or informed consumer. I had no information if accepted. They pushed this to my credit as if not paid but all payment were made up to date by the end of XXXX as it was unclear if the request was accepted. They failed to communicate the process or if accepted or declined.
Product: Checking or savings account

I have been to the chime company over and over again and after sending document over and over again they will not help me get into my account
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : XXXX Bank - XXXX XXXX XXXX XXXX, WA XXXX My XXXX Bank credit card ending in XXXX was closed on XX/XX/XXXX due to inactivity and my credit score as reported by Experian. The XXXX Bank letter was dated 9 days after I opened my first complaint about the XXXX XXXX Credit Card company fraud with the CFPB. 

On XX/XX/XXXX, I called XXXX and explained to XXXX, at first, and later XXXX, that I would be forced to sue if they could not at minimum, reactivate the card. The telephone operators sent me into the bank branch for a final attempt to reactivate the account. 

On XX/XX/XXXX I walked into the XXXX Bank branch at XXXX XXXX XXXX, XXXX XXXX, CA XXXX, and spoke to an agent named XXXX, and a manager named XXXX who both tried to reactivate the account for me and were not successful. I explained all that had transpired with the complaints, the fraud and the credit reporting agencies and that I was prepared to sue XXXX Bank for the credit limit decrease, and the irreparable harm to my credit score, and they both agreed that XXXX bank was liable for actions that they could not undo. 

XXXX Bank has tried as best they can to undo the reckless harm done but were ultimately unable to do anything but leave my credit limit, and score destroyed further when no harm was done directly to them. I had a XXXX balance on the XXXX Credit card # XXXX since XXXX. XXXX Bank claimed this retaliation was due to my inactivity but mainly was the credit reporting information provided by Experian. 

The main reason for the inactivity on the XXXX Bank XXXX was that I had misplaced the card and XXXX Bank had a habit of sending ads separately in the same brand and style envelopes as the statements and after awhile I forgot I was their customer. Since my card had a XXXX balance and it was mostly ads they were sending me month after month, I got in the habit of not opening the envelopes after a while. 

I only discovered the XXXX Bank card # XXXX had been closed when I opened the letter this week, almost XXXX months after it had been sent. I did not receive any letters with a prior warning about inactivity, lots of ads though. The letter was sent out by XXXX Bank dated XX/XX/XXXX and had noted at the bottom that the information used to determine this action was collected and provided to them by Experian. And if I should want to dispute the information Experian provided I would have to contact Experian. 

My first complaint to the CFPB was dated XX/XX/XXXX - 9 days prior to the XXXX Bank XXXX # XXXX closure. Experian had removed the XXXX XXXX dispute by or before XX/XX/XXXX but as they had failed to restore the credit score as well, Experians misreporting was the direct cause of the XXXX Credit card # XXXX deactivation, decrease in credit limit, further decrease in credit score, and credit worthiness. 

Union banks eliminating {$12000.00} unduly deprived me of my rightful property without due process and further diminished my credit score for not using their card in an act of retaliation, and a violation of my constitutional rights.
Product: Mortgage

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Flagstar Bank for their failure to fulfill their obligation to pay our property tax on time and the subsequent financial burden they have imposed on my family. 

In XX/XX/year>, Flagstar Bank was responsible for paying our property tax to XXXX County, with the understanding that we would reimburse them immediately. However, the bank failed to deliver the check in a timely manner. After a thorough investigation, we have obtained proof that the parcel number XXXX : XXXX, sent on XX/XX/XXXX, was never delivered to the XXXX County tax office, according to their logbook. 

Meanwhile, we fulfilled our end of the agreement and sent the amount owed to the bank on XX/XX/year>. Despite our timely payment, the bank 's error led to the County not receiving the funds. Consequently, we believed our account was up to date, while the bank held onto our money without paying the County or raising any concerns. 

On XX/XX/XXXX, four days after the payment cutoff, the County sent a letter to the Bank requesting the property tax payment with an additional penalty. The bank paid the tax and penalty on XX/XX/year>, and subsequently charged us numerous fees, including the extra amount paid to the County. 

Since XXXX, we have attempted to resolve this matter amicably with the bank, emphasizing that we met our obligations and the bank 's negligence caused delays, penalties, and back-to-back fees. However, the bank 's escalation managers, including their highest-level office, have continuously ignored our efforts to address the issue. 

In our quest for resolution, we contacted XXXX and created case XXXX to ascertain the status of the initial check sent on XX/XX/year>, as bank escalation managers accused the XXXX County tax office of making a mistake. XXXX XXXX at the XXXX County tax office ( XXXX ) can confirm that they never received the check, as per their logbook. Unfortunately, XXXX can not provide further information, as they require details such as the invoice number or a copy of the label, which only the bank can provide. 

As long-standing customers of 11 years with an impeccable track record of timely payments, we are dismayed by the bank 's conduct. Flagstar Bank has exploited its position to intimidate, harass, and discredit us by reporting us as delinquent customers to credit bureaus.