23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

my mortgage was sold to newrez in XX/XX/2023 and since then i dont have communication with them. Its very difficult to make payment, there is always a problem in the website and by phone also. An operator comes out saying that they can not receive calls at this time. In XXXX and XXXX It was very complicated to make payment I had to insist every day more than 10 times daily by phone and website. But this month has been impossible. I am worried that the deadline is approaching, which is XX/XX/2023. My credit can be damaged and also I will have to pay late charges. And that will be a problem for me, be due to the irresponsibility of newrez. I wish you can help me. thank you
Product: Credit card or prepaid card

I contacted Citi and requested to speak with someone in the Retention division of the company. I wanted to address my concerns regarding a dispute that I filed regarding a purchase with XXXX XXXX for concert tickets. The company sided with the company. I purchased concert tickets and the concert was cancelled. To date, I have not received a refund and Citi refuses to properly dispute the matter. The representative acted as if he did not want to help me and basically was steering me to close my account. I told him a few choice words and hung up the phone. I went to use my card later that evening and I was unable to use my card. I checked my account on my XXXX  and it said it had been closed. I'm extremely upset because I did not give any type of consent or instruction to close my account.
Product: Mortgage

I purchased my home and a lot in XX/XX/2001 for {$350000.00}. I put down 77 %, I financed {$80000.00}. 

I have refinanced and modified my mortgage. The big problem started with the loan from Countrywide. They added {$200000.00} to my principal Balance then Assigned it to Bank of America. Bank of America put me on a trial period for 18 months. Denied the loan modification and had the current loan servicer XXXX modify the mortgage. 
XXXX added another {$350000.00} to the mortgage and made it for a balloon payment after I pay this mortgage for 30 more years!. Both Countrywide and Bank of America has caused me tremendous equity loss and opportunities. They threaten my existence in my home. They said that if I didn't sign the mortgage that they would foreclose immediately. I believed them because I have seen it. They are trying to foreclose on my house and my lot. They didn't serve me and were trying to just have the court rule on the papers. I found out by receiving the papers in the mail a few days before and requested an Adjournment. 
Now, I have been asking XXXX for the reinstatement amount to bring my mortgage current after a few months. The Bank is trying to foreclose on my home and lying about having an interest in my lot. They have no interest in my land. When I took out the Countrywide and Bank of America loan, I continued to pay my own lot taxes. Please see attached tax account details from my Towns Tax Office. I have had the title in my name only not theirs ever. Their Title excludes my lot. 
I have to fight them in court now. This has been the most disturbing thing in my life. I can't do a lot of things because of the bogus loan amounts. 
I have a buyer for my lot and this is causing harm to the transaction. At this point, I should have my home free and clear along with {$200000.00} to fix it up. it's truly a shame that a Bank can be allowed to place any amount on a mortgage and then lie about the process and try to take property that isn't theirs. 
I hope and pray that you get the lenders to forgive the loan in it's entirety due to their abuses.
Product: Mortgage

XXXX XXXX XXXX transferred my loan to Select Portfolio Servicing , Inc. while on a loan modification trial period, which is against the terms of the attached contract. I entered into a loan modification contract with XXXX  XXXX XXXX on or before XXXX, which was the due date of the 1st trial payment ( see Offer/Acceptance Letter attached ). I made all 3-month trial payments on time ( see attached payments confirmations and copies of checks ). On XXXX XXXX  XXXX XXXX sent me a letter notifying me of their transfer of the loan to Select Portfolio Servicing , Inc. ( see attached ). I had to cancel my 3rd trial payment because XXXX XXXXXXXX XXXX wouldn't take the payment. I suffered great monetary loss and struggled for a refinance of the mortgage that was transferred to a servicing company that did not have my account set up in their system and that changed the terms of the loan modification contract agreement and added more fees and costs such as late fees, attorneys fees, loan level advance fees, ect ..., to my account and sent my account to foreclosure.
Product: Credit card or prepaid card

Chase Sapphire credit card had late fees for a pending transaction. 
I was sent this bill and was unable to pay it. This was a no interest card for about 18 months. 

The fee was corrected, but an updated bill and the correction was not sent to me. 

The account ended up with interest and into collections. 

This was later into the pandemic around the omicron virus and work had slowed and I was XXXX XXXX Unemployment was received very late. 

This card had no expected payments and ended up charged off. 
I later settled for about a tenth of the debt, but can not open a new card due to the effect on my credit. 

I had called Chase repeatedly and asked in person at a bank first only to be told to go back and forth. The account then ended up in collections.
Product: Mortgage

In XXXX of this year 2024 I was told by my mortgage company XXXX XXXX that my home value increase property taxes of {$810.00} will be added to my mortgage, and payment will increase from {$1300.00} to {$1400.00} across the loan of XXXX remaining. I called in immediately, the representative told me they can not do anything at this time and someone will contact me back to go over the details. I told them at that time I'd pay the taxes owed so my mortgage won't change. I was then told to wait to pay it, and someone will call me to set up the payment. No one called back after a week past. During this time I was in a car accident and after XXXX weeks past, I received a letter stating that my mortgage company has changed to XXXX XXXX. I was going through doctor visits, procedures, and was in very bad condition to pursue the process of the new mortgage company, and to find out if the issue was resolved. I then saw the amount never changed and {$1400.00} was my new expected mortgage payment to XXXX XXXX. This increase will add an additional {$45000.00} to my mortgage. They added it without my knowledge that they were selling my loan. Now my new mortgage company is looking to charge me this illegally set mortgage payment. I need action to be done to correct this and put back my mortgage where it should be at {$1300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I DID NOT AUTHORIZE THE FOLLOWING COMPANIES TO PULL MY CREDIT : -PXXXX 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 These companies have violated my rights .

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

XXXX XXXX XXXX XXXX  was Loan originator. They were the worst mortgage company I have ever had to deal with, they were very litigious with a legal department incessantly seeking opportunity to assess legal fees and force default. The Loan was sold to Shellpoint Mortgage Servicing who have turned out to be an even worst nightmare. 
They routinely assess fees basically for just holding the loan. If your property taxes or insurance goes up watch out as it will be a XXXX to assess additional fees and they will never communicate any of this beforehand and filing an appeal or compliant is useless. They both will undoubtedly do well in the current COVID afftected economic downturn and many will lose their homes and property to their unfair practices.
Product: Credit card

On XXXX an online fraudulent transaction/purchase was made on my Macy 's American Express card. I reported the incident to Macy 's after it was discovered, on XXXX. A police report was originally filed on XXXX to the XXXX ( Report number XXXX. ) A Statement of Fraud was faxed to Macy 's originally on XXXX, again on XXXX and again on XXXX. I have documentation of XXXX calls I have made to Macy 's and Citi to try and resolve the fraudulent transaction/purchase.
Product: Credit card or prepaid card

Recieved an offer for a credit card sounded really good. Interest free for a year and a half and I get XXXX promotonal after I spend XXXX. My credit score is around 800 I am using XXXX percent of the credit I currently have available. They declined my application and offered me a different credit card. I now have XXXX more hard inquiry on my credit which lowers my score. I feel this is a typical bait and switch scam they are perpetrating and this needs to be stopped. I called the company and talked to a customer service person who then transferred me to a manager the manager never came on the phone and they hung up on me
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF YOU NEED MY AUTHORIZATION TO PROCEED, YOU HAVE MY AUTHORIZATION TO PROCEED. 

I, XXXX XXXX, consumer and natural person, have submitted a complaint through the CFPB of the collection account reporting on my credit report. The account is from XXXX XXXX XXXX XXXX XXXX XXXX with account XXXX XXXX XXXX 
The complaint. number submitted through CFPB is XXXX and complaint number XXXX
Product: Debt collection

I contacted shellpoint today at XXXX spoke to XXXX in regards to me unable to access my online account, she was being extremely difficult, placed on hold for several minutes without coming back to the line. And said she will get a manager to speak to me even tho I had not asked for one, she placed me on hold again making it imposible for ne to resolve the issue. This is an ongoing issue with this company each time I contact them they are unable to answer any questions or assist with any issues. The fact that my loan was transferred and this new company is managing the loan has affected me tremendously making it impossible for me to manage my loan.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened aXXXX XXXX XXXX XXXX XXXX XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX XXXX XXXX XXXX balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to update my previous complaint filed regarding an inaccurate and unverified collections account reported by XXXX XXXX on my credit reports. Unfortunately, despite my efforts, the issue remains unresolved. 

Summary of Previous Complaint : I disputed the account with all three credit reporting agencies, highlighting numerous discrepancies and attaching supporting documentation. 
I contacted XXXX XXXX requesting verification of the information, but their response was inadequate. 
I expressed concerns about potential violations of the Fair Credit Reporting Act ( FCRA ) due to the inaccuracies and lack of verification. 
Failure to Resolve : The credit reporting agencies have not taken my dispute seriously. They have not conducted a thorough investigation, provided any updates, or removed the inaccurate account. 
Follow-up attempts to obtain updates or further investigation from the credit bureaus have been unsuccessful. 
XXXX XXXX has not provided any meaningful attempt to verify the account information or address my concerns. 
Continued Impact and Request for Intervention : The presence of this inaccurate account continues to negatively impact my credit score and limit my access to financial opportunities. 
I am frustrated and concerned about the lack of progress and accountability from both the credit reporting agencies and XXXX XXXX 
Therefore, I respectfully request that the CFPB : Escalate its investigation into this matter. Demand a thorough review of the discrepancies and potential FCRA violations from both the credit reporting agencies and XXXX XXXX 
Urge the credit reporting agencies to take immediate action. This includes removing the inaccurate account from my credit reports while the investigation is ongoing. 
Hold XXXX XXXX accountable for providing accurate and verifiable information. If proper verification can not be provided, insist on the account 's permanent removal. 
Consider further action, including public enforcement measures against XXXX XXXX if they fail to comply with the CFPB 's XXXX. 
I am confident that the CFPB 's intervention is crucial to resolving this issue and ensuring the accuracy of my credit report. I am available to provide any additional information or clarification needed to support your investigation. 

Thank you for your continued attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously Ive been dealing with all three major credit Bureaus to resolve incorrect fraudulent accounts and information on my credit report they are not actually disputing theses accounts or information that I am reporting as fraud all they do is constantly reply back with account verified as accurate when I know its not Ive tried Updating my information with the credit Bureaus and it seems as in if they are updating my personal information for the creditors Ive been dealing with these problems for quite some time now and am getting no where them they are not even being reasonable and now they have blocked me from disputing any information on my reports as in if my my accuracy on my credit reports is invalid and my opinion or identity is not important Ive offered to do what ever legal steps I need to do to resolve this and still get the same results this is with Experian, XXXX and XXXX. Thank you in advance for your help and assistance.
Product: Credit reporting

I DISPUTED SOME FRAUDULENT ACCOUNTS ON MY EQUIFAX CREDIT FILE THAT WAS PREVIOUS DELETED I WAS N'T NOTIFIED THAT IT WAS GOING TO BE REINSERTED IN MY FILE I HAVE CONTACTED THE CONSUMER AFFAIRS DEPARTMENT FOR THE LAST 5 MONTHS THE AGENT XXXX SAID SOMEONE WOULD CONTACT ME WITHIN 48 HOURS THAT 'S BEEN 5 MONTHS AGO
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA,XXXX reported XX/XX/2018 THIS IS NOT MY ACCOUNT AND I HAVE NO CONTRACT WITH THIS COMPANY. XXXX and XXXX   have removed this account. I have called Equifax and they keep taking the dispute by phone then when i call give them the confirmation number they say it does not exist but give me another one with same number as previous one. I have put it in writing no response it is impossible to use the Equifax online portal they have so many flaws and they are not handling my report responsibly i would like for the item mentioned above removed thank you hope you can help
Product: Debt collection

I honestly dont know what this collection is for. I shouldnt have this on my my account. What is this from?
Product: Credit card or prepaid card

I received an activate money lion debit MasterCard in the mail and all my credit reports are frozen due to potential identity theft. I didnt authorize or attempt to open any accounts with MoneyLion or any other loan companies. This is FRAUD
Product: Credit reporting, credit repair services, or other personal consumer reports

I SUBMITTED DISPUTES AND DOCUMENTS REGARDING INFORMATION THAT SHOULD NOT BE REPORTING ON MY CREDIT REPORT AND BY LAW THESE ACCOUNTS SHOULD BE REMOVED IMMEDIATELY. I AM IN THE PROCESS OF PURCHASING A HOME AND GETTING A SBA LOAN BUT THE ACCOUNTS ARE HOLDING ME BACK. THIS IS DEFLAMATION OF CHARACTER AND FRAUD.
Product: Mortgage

In XX/XX/2017, Hurricane Irma destroyed my home in XXXX GA. It has taken over 2 years to rebuild it. I'm still not done but am close to finishing the rebuild. However BB & T is holding and will not release the rest of the money that the insurance company has already paid out. BB & T told me the bank is holding the final {$25000.00} until the house is " 100 % completed ''. But I can not finish the house until I get that remaining {$25000.00}. I only owe about {$50000.00} on the mortgage and have always paid my mortgage payments on time. When the house is completed, it will be worth around {$300000.00}, so it doesn't make sense for BB & T to not pay me to finish the house. BB & T needs to release MY money so the house can be finished!
Product: Credit card

Listed on my credit report under adverse accounts is Capital One Bank. I have never opened or paid or applied for this account. I am a victim of identity theft.
Product: Debt collection

Hello! 

I already open the disputes and I requested proof of ownership and they could not prove that this account belongs to me
Product: Debt collection

I have two medical bills ( {$130.00} and {$89.00} ) showing up on my credit report by three collection agencies : XXXX XXXX, XXXX XXXX  and CBC Collections. I contacted the medical group to pay and they told me to contact CBC Collection and gave me the phone number of XXXX to pay the debt with them. I contacted CBC Collections today XXXX XX/XX/XXXX at approx XXXX ) and spoke with XXXX XXXX arrange payment. I asked how to make sure that all 3 collections were removed from my credit report. She told me that XXXX XXXX and XXXX XXXX were both out of business as of XX/XX/XXXX and to trust her that they couldnt report it. I told her they reported to the credit bureaus as recently as XX/XX/XXXX so how could they be out of business. She then said only one was out of business but wouldnt say which one. Again, I said they are both reporting and both have websites that are up and active. She repeatedly told me to just trust her. At that point I asked to speak with someone else because she wasnt being honest with me. She refused to transfer me and said I was making things up. I terminated the phone call because I no longer believed I could trust XXXX CBC Collection to be truthful in how to arrange to pay the debt and have it removed from my credit report.
Product: Money transfer, virtual currency, or money service

Paypal has a partnership with XXXX XXXX to furnish a paypal prepaid debit card. On Paypal.com   you can instantly transfer funds from the paypal balance to the prepaid card. I have used this service several times over the past few years with no issues, However, on XX/XX/2019, I authorized a transfer of {$300.00} ( the maximum amount allowed to be transferred this way ). On paypal.com he transaction shows as completed and the amount was debited from my account however the amount was never deposited into the prepaid account. Paypal.com customer service says that it shows as completed on their end and the issue is with the prepaid card. Paypal prepaid card service says that the transaction show as declined from paypal.com on their end and the issue is with them. After several attempts to resolve the issue with both departments I am still getting spun around and have not gotten my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax used poor security and my personal information was stolen
Product: Mortgage

I received a letter from 1099A form from PHH Mortgage. PHH, XXXX  XXXX  XXXX, nor XXXX and XXXX has ever sent me the deliverables I requested from my XX/XX/year> Debt validation letter.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on any payments. I've attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) I'm now requesting you to investigate this account and update these payments to be paid on time immediately. Thank you for your understanding and prompt action.