23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We successfully applied for a mortgage modification in XX/XX/XXXX with XXXX on our MoneySource loan. We paid all three trial period payments and were granted modification. I was subsequently laid off from my job in finance during economic downturn. We were unable to pay mortgage thereafter. I regained employment in XX/XX/XXXX and reapplied for the mortgage modification with MoneySource and we were accepted into the modification trial period in XX/XX/XXXX to begin in XX/XX/XXXX at {$2400.00} per month through XX/XX/XXXX. We made the XX/XX/XXXX and XX/XX/XXXX payments in a timely fashion and then we were told that they would not accept our third payment in the month of XX/XX/XXXX because they had made a mistake in granting us the modification trial period due to the fact that FHA guidelines require a 24 month period between loan modifications and in our case there had only been a 12 month period since our prior modification. Presumably the mortgage company should have been fully aware of this FHA policy prior to granting us the new modification trial period. As a result, we had no choice but to wait an additional 12 months until the 24 month period had lapsed and save mortgage payments to the best of our abilities. 
We applied again in XX/XX/XXXX and were accepted on XX/XX/XXXX to a new modification with three months of trial payments to begin in XX/XX/XXXX at $ XXXX/mnth. We paid XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX mortgage trial period payments in a timely fashion, however, after making the final payment in our trial period, we were told that due to the recalculation of escrow amounts after the end of the trial period in XX/XX/XXXX, an increase in escrow had made it such that our mortgage payment levels to be paid on a monthly basis were no longer at an acceptable dollar amount and that we must apply for a new modification trial period again from scratch. It turns out that due to the Money Sources incorrect escrow calculations, we had been set up to fail in the trial period even though we met the guidelines that had been set forth for us. Several requests to receive a response in writing outlining the specific reasons for the denial after we had successfully complied with the trial period went unanswered. 
Also, in parallel to the mortgage company seeking a new borrower response package from us ( including paystubs, forms, etc. ) to qualify for a new trial period beyond the 3 month trial period we had just successfully finished in XX/XX/XXXX, we received a letter in XX/XX/XXXX announcing the mortgage companys intent to accelerate and foreclose. Clearly, if we were being asked to apply for a new modification trial period, the mortgage company should not be also pursuing foreclosure at the same time.
Product: Checking or savings account

Im reporting fraud via my checking account and XXXX scam from a XXXX marketplace interaction. I have documentation to support the theft and fraud. I have previously reported this to my banking company ( XXXX ) but they claim I authorized the charge and transfer which I did under the pretense of a return funded by XXXX which did not occur. The scammer told me that I needed to download XXXX in order for them to pay me for a item I listed for sale for {$200.00} ( indoor spin bike ). They then said bc I did not have a business account they needed to pay {$500.00} and asked if I would be willing to refund the {$300.00} once the payment went through. All this time I was receiving fake emails from XXXX which appeared legitimate at the time saying these transactions were taking place. This scammer did not send {$500.00} and I sent them {$300.00} from my account. 

According to the Electronic Funds Transfer Act of 1978 I am hopeful I can have my money returned as this fraudulent behavior occurred. It was as if it was stolen from me, no different from debit card or credit card fraud. 
I have supporting screenshots, emails, etc of these interactions. 

The person was named XXXX XXXX and used the email XXXX in their XXXX acct
Product: Credit card

I have now experienced XXXX occasions where Bank of America ( BoA ) has either not instituted the " auto pay '' for the balance of my account or turned it off without warning or any communication whatsoever. 

The first instance occured on a BoA card I opened XX/XX/XXXX. I had never missed a payment and in the summer of XXXX I called and spoke to a representative about the fact that I was departing for a XXXX  on a wilderness trip and would need to have my card on paid while I was without internet. The representative informed me of the " auto pay '' option and set this up over the phone. The representative ensured me that my current bill and future bills would be paid directly from my personal bank account while I was in the wilderness. Upon returning from my trip I received late charges and interest for a missed payment. Furthermore this has negatively affected my credit which I can see on my XXXX  account for the date of XX/XX/XXXX. I would like to have phone records pulled as evidence that this negative report should be removed from my account. 

The second instance occurred on my bill from XX/XX/XXXX. Auto pay was turned off by BoA and late fees and interest was applied to my account. I called in to have auto pay re-instated and fees reimbursed.

The third instance occurred on my bill due XX/XX/XXXX. The autopay was never turned on as promised by the representative and there are still late fees and interest showing as due from the previous billing cycle.
Product: Debt collection

XX/XX/XXXX, I noticed a collection account on my credit report from FirstCollect Inc. I submitted a letter for the company to validate the debt requesting very specific information. They responded by sending an invoice that did not match what was listed on my credit report and clearly did not belong to me. The address was not mine, the insurance was not mine and the invoice was for a child that was born XX/XX/XXXX ( which i did not give birth to any children XX/XX/XXXX ). On XX/XX/XXXX, I then submitted my second letter to FirstCollect informing them to remove the collection from my credit report because ALL the information was inaccurate and they still did not submit everything I requested ( proof that they were allowed to collect said debt, proof that I signed for said service ). They refused. In conversation via the telephone with several agents from their company from XX/XX/XXXX to XX/XX/XXXX they refused to acknowledge that they sent me inaccurate information. They stated that the bill was for services that my XXXX child received XX/XX/XXXX during an emergency room visit. I explained to them several times that their father is the LEGAL party that is responsible for the minor childs insurance and any insurance payment and that there was no lapse in coverage so the invoice submitted should have been covered in full. Proper insurance was provided to the XXXX at the time of the visit and the er billed timely and received full payment. This information was acknowleged by the collection company and XX/XX/XXXX they verbally agreed to have the collection account removed by XX/XX/XXXX came and went and the collection was still on my account. I then submitted another letter to them dated XX/XX/XXXX, reiterating that they must take the matter up with the XXXX childs father as he is the party legally responsible for maintaining insurance coverage ( which he did ) and payment for insurance. I even had the XXXX childs father call and inform/confirm with the collection company that he is the responsible party and not me. They then agreed to have it immediately removed. Then minutes later they called me stating that they could not remove it. Shortly after this, I spoke with XXXX XXXX XXXX, who finally acknowledged that they did send me inaccurate information and she is also the one that spoke with me via three way with the XXXX childs father who confirmed that he is the responsibly party although the insurance should have paid it in full. Lastly on XX/XX/XXXX, I submitted a letter to the collection company from the Delaware Health and social services that further reiterates that the XXXX childs father is the responsible party for maintaining insurance and payment of any outstanding invoices. And yet they still continue to report this on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two accounts on my credit report with XXXX, XXXX XXXX, Equifax that I have an issue with. I have done online disputes with all three companies at 3 different times. Each time I dispute the accounts the credit reporting agency states that the information is reported correctly. 
The two accounts with errors have the wrong account open date. Both accounts state that I open them in XXXX. I believe the correct date is in XXXX because the debts are at least a couple of years old. The accounts also have been closed for at least two years. 
Each time I try to dispute the items the credit report agencies never update the information and state that the information is correct. 
I am not able to prove the account dates and I am requesting assistance obtaining this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX  XXXX Balance : {$0.00} ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Product: Student loan

Inaccurate dates, addresses, loan amount increased, dates of loans are incorrect,  XXXX  different companies are claiming that my student loans are with them I do not recall owing some of the companies at the times listed on my credit reports. Some oe the loans were paid off and taken of my credit reports and are still showing up on my reports as delinquent!
Product: Credit card or prepaid card

XX/XX/XXXX I paid {$3000.00} towards this credit card, the funds were withdrawn from my account that day and I got a confirmation email that the payment was posted on XX/XX/XXXX. 

XX/XX/XXXX I paid {$1600.00} towards this credit card, the funds were withdrawn from my account that day and I got a confirmation email that the payment was posted on XX/XX/XXXX. 

XX/XX/XXXX I called Synchrony Bank to ask why my payments have not been posted to the credit card yet and they claim this payment was flagged for fraud risk because of their large size ( {$3000.00} & {$1600.00} ). My credit card statement balance was $ XXXX at the time so I don't feel this was a " suspicious '' payment. I've made multiple payments from this checking account in the past ( as large as {$2600.00} ) without issue. The customer service rep told me the payment can take up to 10 business days to process. 

XX/XX/XXXX I called asking why my first payment has still not been applied to the account as it has now been 12 days. My total credit limit is {$8000.00} and my available balance just {$7.00}, my utility payments on autopay are declining due to insufficient funds. My normal expenses monthly on this credit card are $ XXXX each month. So only having balance of {$3200.00} all charged in the past week or so my card is now declining any further purchase. I asked for a higher credit limit of {$16000.00} but was declined, rep told me they would send a letter explaining why in the mail.
Product: Vehicle loan or lease

Back in XXXX American Car center went bankrupt they did not give me any notice of this i found out off of XXXX i also found out who took over my loan westlake from XXXX i was never communicated what was going on until after i made calls myself i owe {$1200.00} on my car back in XXXX i gets a email stating that i have to pay a extea {$3900.00} to get my title that i did not know i had to do American car center at the time i purchased in 2019 never told me that im leasing and at the end i have to pay this money so i called westlake and asked if i can pay monthly the extra {$3900.00} they denied me said i had to refinance with a bank or they were coming to take the car they have been taking cars and not helping i feel like they are trying to pay off american car centers debt the car is not even on my credit report anymore i feel like this is unfair to people that have been paying they should get extra time being of this circumstance
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX a missed payment was reported to all XXXX bureaus on a closed Self financial account. I have a closed account reporting a missed payment and I've sent many disputes to the creditor over the past year asking them to validate the account. They have failed to validate it and remove it. I need this account removed immediately.
Product: Debt collection

Dear CFPB, I have recently requested my credit reports from the credit bureaus where I found three inaccurate and unathorized accounts on my credit profile from COMMONWEALTH FINANCE each in the amount of {$1100.00}. These accounts were removed XXXX of 2018 after contacting the XXXX, by the collector and has been replaced by said debt collector. I have contacted the to XXXX  regarding these accounts and submitted police reports of identity theft to the previous collector. I have also requested proper documentation to validate said debts. The collection agency has failed to provide satisfactory proof that I own this debt. under FDCPA, if the collection agency doesn't validate the debt, they are no longer to report to the credit bureaus or contact me about said debts. 

These accounts are not only hindering me from getting credit, they are seriously hurting my credit profile I should not have to suffer because of identity theft. I am asking for your assistance in getting these medical bills deleted from my credit report. 
Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to call companies several times to which they have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : XXXX : XXXX : XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Mortgage

Wells Fargo automatically enrolled me in their forbearance program ( " mortgage payment suspension '' ) without my consent. I have called several times, spending many hours being passed from representative to representative attempting to ( 1 ) un-enroll and/or ( 2 ) clarify my loan 's status as not being in forbearance. I received an  enrollment letter on XX/XX/XXXX -- again I never requested or consented to enroll. On XX/XX/XXXX I received confirmation of my request to opt-out of mortgage payment suspension, only to receive subsequent letters indicating my continued enrollment. When calling to speak to phone representatives, they were unable to confirm my enrollment status. I was told that someone would follow-up shortly to confirm. No one followed up. It still is not clear to me whether or not my account is considered in forbearance status or not.

In addition to the letters attached here, please check my call logs ( XX/XX/XXXX - XX/XX/XXXX ) to confirm the time I have spent on this matter and the lack of clarity received from the agents of your company.

I have continued to make my regularly scheduled monthly payments but have two material claims regarding this matter : ( 1 ) the time and frustration I had to spend rectifying this situation entered into without my consent is significant and demands remuneration and ( 2 ) I want to ensure there is no inaccurate credit reporting concerning the status of my mortgage as such reporting could have material impacts on my finances.

Please note also that I was dealing with this issue while working a full time + job and planning for my daughter 's wedding. This was not a frustration that I wanted to take on. Please stop enrolling customers in programs without their consent. And when you do enroll them without consent, please take meaningful steps to make it right.
Product: Checking or savings account

I am writing to file a formal complaint against my financial institution, Chase Bank, regarding the handling of a fraud case and the subsequent delays and lack of communication in the release of my funds. This ordeal began on XX/XX/2024, and has yet to be resolved satisfactorily, causing significant financial and emotional distress. 

I was a victim of an employment scam where I deposited a fraudulent check for {$4900.00} into my XXXX account. Upon realization of the fraud, I acted swiftly to mitigate any potential damage by communicating with both XXXX and Chase. Unfortunately, the actions taken by these institutions have not only failed to resolve the issue but have compounded the difficulties involved. 

After transferring {$4400.00} from my XXXX account to my Chase account under the scam 's influence, I attempted to rectify the situation by transferring funds back and filing a fraud report with the FBI. Despite these actions, XXXX sent a Hold Harmless and Indemnification Agreement Request to Chase without my consent, which led to the closure of my Chase account and a hold on {$19000.00}, which remains inaccessible. 

I have repeatedly reached out to both banks to expedite the review and release of my funds. On XX/XX/2024, I was informed by Chase that they were waiting on further documentation from me, which was never previously communicated. I immediately complied with their request by providing the documentation the bank teller requested. It has been over XXXX weeks since my compliance, and there has been no progress or clear communication from Chase regarding the review of these documents. 

This situation has placed an undue burden on my financial well-being. The lack of prompt and clear communication, and the ongoing delays in resolving these issues, are unacceptable. I seek the CFPB 's assistance in addressing this matter to ensure that both XXXX and Chase adhere to their obligations to handle fraud cases and customer communications effectively and transparently. 

I am prepared to provide any additional information or documentation that may be required to assist in the resolution of this complaint. 

Thank you for your attention to this urgent matter. I trust that the CFPB will take appropriate action to help resolve these ongoing issues and prevent future occurrences of similar nature.
Product: Mortgage

I have several complaints on file that are marked as closed simply because they accepted the complaint. This is ridiculous. They not only escrow, processed incorrectly charged excess fees but they stole my property. Now post bankruptcy they are calling and harassing me for payments. Ocwen called from XXXX @ XXXX ; XXXX XXXX XX/XX/18. XXXX XXXX said I missed my XX/XX/XXXX payment and I should call XXXX or send payment. 
Federal Law states they can not do this. Now what do I do. I am financially broke!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  responded to my last complaint with this : " XXXX XXXX XXXX ASSIGNED XXXX XXXX 's account with our agency on XX/XX/2021 and XXXX XXXX XXXX holds equitable title to the claim. Our credit reporting is a public record reporting and XXXX XXXX XXXX is a tradeline reporting. The CRA controls what is reflected on a credit report we are data furnishers. '' XXXXXXXX XXXX  is reporting as a tradeline on my credit NOT a public record as they stated. Please see the screenshot attached to this complaint & a copy of my credit report ( please see page XXXX ). This is NOT a public record as XXXX XXXX claims therefore a misreporting and inaccurate and unfair. I am also asking for a debt validation. please provide me paperwork and itemization of this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is strictly about the inaccuracy that is inequitably furnished by your organization on my Consumer report. I came to discover this inaccuracy reported as of XXXX. Due to the inaccuracy reported, my right to extend credit has been damaged to a great extent. As a result, I was discriminated against and refused my right to exercise credit/consumer law. 

No one consulted with me when it came to these contracts or credit reports reporting false/miscellaneous information that I didnt approve of.. 
Theres no proof that I owe anything, at all. 

I was denied of 3 ( three ) credit cards plus a house, in which I have a whole family I take care of and support, that is my duty and responsibility in doing so. Being denied of my credit practices and consumer law is completely illegal and is interfering with my allowance of taking care of my loved ones.

Theres no such law that states anything that needs to be reported to a consumer reporting agency, therefore your organization is completely liable.

Pursuant to 15 USC 1681 ( a ) ( 4 ), consumer reporting agencies must exercise their grave duties and responsibilities with fairness, Impartiality, and a respect to/towards/for the consumers right to privacy. 

Show me any of these to prove that the information on my credit report and what is I mistakenly owe is even accurate : -A contract -Full accounting, that is on ledger and off ledger -Hand written statement with 2 witnesses and notary Otherwise, I make the contracts, as Im the Original Creditor.
Product: Credit reporting or other personal consumer reports

Inaccurate inquiries are listed on my report without my consent. I request removal of these immediately.