23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My loan was transferred from XXXX XXXX XXXX to Select Portfolio on XX/XX/XXXX. I am in the process of refinancing my first loan therefore am on a timeline to close escrow. On XX/XX/XXXX, I called Select Portfolio and requested a copy of my Note per the refinancing lender 's request. I was told I would be faxed the note but I did not receive it. When I called back a few days later, I was told that they couldn't locate the Note and were looking for it and they would have to reach out to XXXX XXXX. I was told that it would take a few days. Last week, I called to check on the status and they still hadn't located it and told me that they would put a " rush '' on it. I called back today XXXX XX/XX/XXXX XXXX and Select Portfolio is still telling me that they have not received anything from XXXX XXXX. 

It has been 2 weeks since my initial request and there has been no progress. This loan was transferred 7 months ago. If I am late on a payment, I receive calls daily asking for payment yet when the table is turned there seems to be very little effort as it doesn't seem as impactful or important to the lender. 

This Note is needed as part of my loan refinance. I am requesting assistance so that the Note be located and I be sent a copy ASAP. Thank you.
Product: Credit reporting or other personal consumer reports

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Collection/Charge Off XXXX  - XXXX - {$0.00} XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXX - XXXX - {$1300.00} XXXX XXXX - XXXX - {$540.00} XXXX XXXX  - XXXX - {$0.00} XXXX  - XXXX - {$580.00} XXXX XXXX XXXX - XXXX - {$7300.00} XXXX  - XXXX XXXX {$1300.00} XXXX  - XXXX - {$7300.00} Late Payment XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXX XXXXXXXX - {$0.00} Bankruptcy XXXX  XXXX Bankruptcy - XXXX
Product: Checking or savings account

We are filing this complaint against BMO Harris for reasons of negligence on their part while the fraudulent activity kept on going with our Home equity and another account for almost 1 year and now enormously distressed by their unfair business practices. We were never contacted to authenticate any such transaction, my signatures were never validated, not a single correspondence. A year later ( XXXX ) we received a letter from the bank notifying us of the overdraft and that we are required to make the payment. My husband, XXXX XXXX went to the bank the very nest morning and discovered that we apparently have a home equity line in the amount of {$610000.00} and a dormant joint account with apx. {$27000.00}. The bank manager was quite helpful ans was able to pull some information. It was discovered that starting XXXX someone somehow accessed our home equity line account and starting transferring money into our joint checking account and on monthly basis was sending money to different banks, one was particularly XXXX XXXX belonging to XXXX XXXX XXXX XXXX The entire year such large transactions kept moving out with fraud signature and received not a single notification. Upon discovering this, we immediately filed a police report, filed a complaint with FBI and FTC. This was all done to provide additional support and assistance to BMO Harris bank in investigating and closing the matter. The bank has been avoiding communication, lack of response. WE had one meeting with investigating team in XX/XX/2019 and other on XXXX, because we were being persistent. There is a matter of statue of limitations as well. The bank is unnecessarily causing delay. FBI has confirmed to the bank that there is no foul play by the client and there is a large racket out which is involved in such fraud activity. 
Now the bank is asking for our Identity Theft Protection information which is our insurance. We spoke with XXXX XXXX and they were socked as to how the bank can come after our our personal insurance. We have provided the BMO Harris all the contact information of XXXX XXXX and what they are trying to do is reduce their losses. Their exact words.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXXXXXX XXXX  Account Number : XXXX Date of Late Payment : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The late payments reported were due to a technical issue with XXXX XXXX 's billing system. My payments were made on time, as confirmed by my bank records, but they were incorrectly posted late due to a delay in the creditors system. This error resulted in my account being marked as 30, 60, and 90 days late, which is not reflective of my actual payment behavior. 
Evidence provided : Bank statement showing the payments made on time. 
Correspondence from XXXX XXXX acknowledging the technical issue with their billing system. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Consumer Loan

Well the only place that would loan me money because of my credit is Wilshire Consumer Credit. I borrowed against my truck and still owe more than I borrowed and they are charginh me 59 % interest rate and the XXXX told me to contact you. My account number is XXXX Contract Details Amount Financed {$3300.00} Maturity Date XXXX/XXXX/2017 Original Term XXXX Annual Percentage Rate 59.00 % Monthly Payment Amount {$240.00}
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Mortgage

Bank of America foreclosed on my HELOC because it had expired. I made payments of interest and principal each month and they still chose to foreclose on me. I paid off the mortgage before it went to the foreclosure auction so my complaint is with the accountability of the fees they charged during the foreclosure process. Foreclosure fees increased each week even though the only effort expended by BOA was to publish the forfeiture in the local legal news. Why did my fees increase each week? Title fee. What is a title fee and when would I receive this " title ''? BOA started out charging a {$270.00} title fee and two months later the fee grew to {$420.00}. Why did the title fee increase. The property did n't change. <P/>Please tell me specifically what work was done, when, and why. I would like to know specifically what costs were switched from consumer service to billable hours. <P/>Please also tell me when I am going to receive a the title I paid for. <P/>Lastly, please tell me why I paid the full amount due for a payoff date of XX/XX/XXXX, yet BOA received and negotiated the funds on the XX/XX/XXXX. Why am I not receiving one days interest as a refund? If I was one day short, would BOA call it good? <P/>This theft of this small amount of interest illustrates the depth of deception that permeates BOA from the top down. We 're only talking about $ XXXX-XXXX dollars and they chose to take it thinking I would n't notice. <P/>Please give me a full accounting of the foreclosure fees totaling {$1000.00} and issue a refund for the theft of unearned interest.
Product: Checking or savings account

I am filing a formal complaint against CIT BANK, XXXX ( a division of XXXX XXXXXXXX XXXX ) and seeking compensation. 


There has been a pattern observed from this bank to use " XXXX XXXX XXXX '' as an excuse to intentionally hold and freeze client money for as long as 90 days. 


In details, this bank had been holding my hard-earned money in a no-penalty CD account ( Acct # XXXX ) from XX/XX/XXXX to XXXX with the excuse of " Under Security Review '' ( though I authorized my husband to discuss my account during the phone calls ). That caused my huge losses. As a result, CIT Bank should be held accountable. 


I would like to withdraw my money deposited from the bank to make a lump sum payment -- for emergency use, but I had been unable to move my money from XX/XX/XXXX to XXXX ( for two months long ). For two months, I hadn't received a single phone call or email from CIT Bank, and I hadn't been able to access and move my hard-earned money either, causing my huge losses.

Worse yet, I was told clearly by CIT Bank 's different agents that their review would be done within 24 hours, 48 hours, or 10 business days, respectively -- so, each time when I called, I was told a different story/lie. From the latest call, I was told to wait for 90 days -- that's absolutely a joke, absurd, and ridiculous! The fact of the matter is -- from the calls, I, as an XXXX, feel discriminated against by CIT bank, XXXX. 



The bottomline is that CIT Bank can not and should not hold and freeze client money during an emergency family situation, causing big losses -- worst ever seen! As a result, CIT Bank should be held accountable.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  date XXXX, XXXX account number XXXX has violated my rights this account was not authorized by me I never got a auto loan with this company. 

XXXX  XXXX account number XXXX XXXX late payments reported on my credit report XX/XX/XXXX, and XX/XX/XXXX, XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

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

I sent a letter regarding inaccurate and unknown addresses and incorrect payment history on my credit report. I have not received any response yet. I feel like im being taken advantage of and being ignored of my disputes. section 611 ( a ) it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. my information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Debt collection

I have contacted the company more than once to remove the information on my credit report and they are very rude on the phone, do not provide options to assist me and raise their voice on the phone call. They stated that they do not have to ever remove their information on a consumer 's credit report and then quickly switch me over to a recording.
Product: Credit reporting

Dear Sir\Madam : My Experian Member # XXXX. 
On XXXX XXXX 2015 i visited Experian website to order my XXXX credit bureaue reports and today ( XXXX XXXX 2015 ) when i checked my credit card statement i was taken by surprise that i was charged additional {$23.00}. So i called Experian and learnt from them that this charge is about membership credit monitoring that i did n't authorised nor i enrolled myself. They mentioned that it is automated enrollment and only gives 7 days to cancel. you can not force consumer for auto enrollment without there consent and it is fraudulent malpractice company like Experian uses to extort money from consumer without there consent and knowledge. 
Foremost, auto enrollment is been forced where many consumer like me are taken by surprised and should be stopped and this kind of hidden game should be stopped immediately and full refund should be given to all consumers who became victims of there scams. Experian should penalised heavily to teach them lesson. 
I hope that CFPB is for consumer and not for company like Experian. 
CFPB are our last hopes that many consumers like me depend on. 
Please kindly look into it and help me to get my refund. 
Doing so is greatly appreciated. 
ThanksRegardsXXXX XXXX
Product: Debt collection

I have received almost daily calls from XXXX since XXXX/XXXX/15. Each time I answer, there is silence on the other end of the line. I received calls from this phone number on XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XX/XX/XXXX, XX/XX/XXXX ( a federal holiday ) at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, and XX/XX/XXXX at XXXX XXXX. 

I looked up the number online and it looks like it might be from Southwest Credit Systems ( a collections agency ) although I have no confirmation of this since no one speaks when I answer the phone. I have never communicated with this agency and just checked all of my accounts and credit reports and nothing is showing overdue or suspicious.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple time to send in disputes and call to dispute these accounts with no response. Please investigate and remove these inaccurate accounts from my credit report.
Product: Debt collection

I would like for the WAYPOINT RESOURCE GROU  to show proof of verification that I owe them {$190.00} with ACCOUNT # XXXX. As of date, you have not provided me with a XXXX for my review and my records. I am asking that you do this now. 

In addition, if you reported this alleged debt as a loss to the IRS, I request that you pull this account back from any collection agency you may have placed it with or from any debt buyer you may have sold this to. 
Please provide this within 30 days. Until this has been provided, I am requesting that any negative reporting to my credit by your company or any company trying to collect this debt is immediately stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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: Checking or savings account

Wells Fargo did nothing about it even though I had nothing to do with any of it. When I realized that there were suspicious activities on my account I called Wells Fargo it was super early in the morning and I was told by the Wells Fargo rep that a new account would be opened and my account would be flagged and everything would be investigated. This was not my case at all as the days kept going by there were more and more suspicious activities on my account and the money that was for my XXXX kept vanishing before my eyes. As the days kept going on and more transactions were happening within my account I decided to get an update on where my case was. Come to find out the rep I had spoken with did NOT even set up a new account and once that was set up all the accounts were linked to checking and savings and the transactions kept taking more and more money from my hard work money which was all for my XXXX. Not only did I have to postpone my medical because of all of this. 

There were mobile deposits that I didn't make and to top things off those deposits bounced and I was charged for them all as well even after communicating with the Wells Fargo reps. 
XXXX, XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21 There were XXXX : XXXX that were completed that I didn't make and I had called and communicated this to the Wells Fargo rep and I was told to trust them that they were taking care of it and that was not the case. 
Dates : XX/XX/21, XX/XX/21, XX/XX/21 There were also overdrafts on my account that happened due to all of the transactions that I didn't do. 
Dates : XX/XX/21, XX/XX/21 There were also transactions to XXXX and XXXX during this time. 
Dates : XX/XX/21, XX/XX/21 Though out the entire time I kept calling Wells Fargo to get an update and come to find out the account Wells Fargo wasn't doing anything about it they kept sending me from one department to the next and at the end of it all I was told that they would get ahold of me and time just kept going by and nothing was being resolved. Wells Fargo allowed all these suspicious transactions to take place and for me to go broke due to all the fees and all the transactions that kept taking my money. The reps I did deal with were not of any help at all.
Product: Student loan

I was never late it was in deferment. 

In accordance with the fair credit reporting act XXXX Account has violated my rights XXXX5 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose Navient : account number XXXX. Dates : XXXX, XXXX, XX/XX/XXXX XXXX, XXXX, XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing Fraudulent Inquiries on my Credit Report 1. XXXX XXXX 2.XXXX XXXX 3.XXXX XXXX XXXX 4.XXXX XXXX  Please remove these as these are fraudulently done as a result of Identity Theft which I am trying to get resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted various documentation to XXXX and Equifax that the debt reported by XXXX XXXX XXXX should be removed because I do not owe anything and the account was not removed nor was it properly investigated.
Product: Mortgage

This compliant is filed against NewRez LLC XXXX # XXXX My husband and I applied to refinance our mortgage on Mon XX/XX/XXXX with NewRez our current lender and at this time Thur XX/XX/XXXX we are still waiting to hear on a closing date. The loan processor and the Loan officer have been unresponsive to phone calls and emails. 

There have been a number of staff requesting paperwork and with closing date being pushed from one month XXXX XXXX XXXX to the next and now there is no ETA at all. On their online customer platform XXXX ' there is still 1 open item dates back to XX/XX/XXXX asking for paperwork that have already been provided twice. 

Our loan application seem shuffled or lost in the pile. Manager should perform review of the work ; to control volume and aging populations. We also sent email and call to the Loan Manager and still no reply. There should be a special task force to drive aged applications to completion. Unprofessional work ethics. It is unacceptable to long this long, 9 months! 

I asked in my emails and calls : -what is still pending -close date -how to withdraw application Nothing. 

Loan Officer : XXXX XXXX - XXXX XXXX XXXX ) XXXX XXXX : XXXX XXXX - XXXX XXXX XXXX ) XXXX XXXX