23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We have been trying to reach out, in regards to questions buyer and sellers have since the last correspondence on XXXX  and have been unsuccessful. There have been messages and emails sent but no responses from anyone. 

XXXX submitted the application requested, no income documentation was requested and the concern was it was not an encrypted email. We understand the company just went through a major cyber security breach that is why we questioned the non encrypted email. 

We are going on 4 months since the beginning of this process and the frustration has been great due to lack of communication. We have been told repeatedly someone would call back or address any questions within 24 hours of the initiated call..there has yet to be any communication. 

We really need to speak to someone in regards to the process and timelines, so we can obtain the proper extensions since we are in Escrow.

The standard answer in the beginning was this could take 4-6 months. However no one told us there would be zero communication. It seems every time the Buyer or Seller give what is requested, your company goes dark in communication. 

We have been trying to reach out, in regards to questions buyer and sellers have since the last correspondence on XX/XX/XXXX and have been unsuccessful. There have been messages and emails sent but no responses from anyone. The only response given was on XX/XX/XXXX from CR response stating we needed an authorization letter signed in order to communicate with myself or other Agent in this transaction. As stated on email you can only correspond with your Client, however you have yet to respond to her numerous attempts, XXXX submitted the application requested, no income documentation was requested and the concern was it was not an encrypted email. We understand the company just went through a major cyber security breach that is why we questioned the non encrypted email. 

We started this process XX/XX/XXXX and the lack of communication has been beyond anything anyone has ever been confronted with ever. 
We have been tracking all of our attempts in communication as well as you have based on our letter received on XXXX 

By this point we need more than the standard answer of its in review How could it be in review if there has been no request for any type of documentation to support income etc.
Product: Vehicle loan or lease

The co signer on this vehicle has had possession of the vehicle the whole time. I do not have possession of this vehicle and never did. My ex fianc signed my name when I wasnt there and I let it slide because we had a kid together. This is not my loan.
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to report multiple inaccuracies on my credit reports from all three major credit bureausEquifax, XXXX, and XXXX. These inaccuracies stem from unauthorized accounts that were likely created as a result of the Equifax data breach that occurred in XXXX. 

Details of the Incident : - Date of Breach : XX/XX/XXXX - Discovery of Inaccuracies : I first noticed the unauthorized accounts on my credit report in XX/XX/XXXX. XXXX taken I disputed the XXXX accounts in XX/XX/XXXX and they came back verified with no proof of verification from the companys. 
Unauthorized accounts ( Not my accounts ) XXXX account # XXXX XXXX equifax XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX equifax XXXX XXXX XXXX account # XXXX XXXX, XXXX equifax XXXX XXXX account # XXXX equifax, XXXX, XXXX XXXX XXXX bank account # XXXX equifax Dear Consumer Financial Protection Bureau, I am writing to formally report that all three major credit bureausEquifax, XXXX, and XXXX are currently reflecting inaccurate and unauthorized accounts in my name. These accounts appear to be a result of the Equifax data breach that occurred in XXXX, which compromised the personal information of millions of Americans, including myself. 

Despite my efforts to dispute these inaccuracies directly with the credit bureaus, the erroneous information remains on my credit report. This situation is causing significant harm to my creditworthiness and overall financial health. I request your immediate assistance to ensure that these unauthorized accounts are investigated and removed from my credit reports. 

According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate information on their credit reports. Specifically, under 609, I have the right to obtain a copy of my credit report and to be informed of any information that is being reported. Additionally, under 611, I am entitled to have inaccurate or incomplete information corrected or deleted if it can not be verified as accurate. 

Furthermore, the Fair and Accurate Credit Transactions Act ( FACTA ) provides me with the right to request that any fraudulent information resulting from identity theft be removed from my credit report. Since these accounts were created without my authorization, they fall under the scope of this Act. 

I urge the CFPB to investigate this matter thoroughly and to facilitate the removal of these unauthorized accounts from my credit reports as soon as possible. My credit file should accurately reflect my credit history and not include any accounts that do not belong to me. 


Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Mortgage

This is an ongoing problem and has bee since XX/XX/XXXX. Bank of America refuses to take any responsibility for their part of my issue with them. As I have told them ( repeatedly ) I am not denying that I am behind in payments what I am having great difficulty with them about my mortgage is their mistakes they 've made which are being placed upon me and becoming my burden. Through BOA own short sale program which they approved I had a buyer and followed all their instructions as did my realtor and yet BOA kept stringing all of us along for well over a year. This means that from the time I had a buyer until present the mortgage issue would have been resolved and no more missed payments and fees etc. Yet, BOA refuses to address this or remove all these fees and costs accrued that are their mistake and instead keeps pushing me towards a short sale or foreclosure. A foreclosure date has been set for XX/XX/XXXX. As far as a short sale goes, that 's really not a practical solution as the BOA customer svs rep wo n't even turn account over to short sale dept for a rep to be assigned. Instead she says to just submit the previous paperwork my realtor had already submitted with the previous potential buyer ( but not that buyers info ) and send through an equater system. I said this has been done before and this is where the ball got dropped before by BOA. I then spoke about appealing again and she said unless my income has changed it wo n't matter. I said that on the last appeal they ( BOA ) had wrong figures in my debt that would increase my income especially since I was told I only missed qualifying by XXXX dollars. My customer service rep said my debts do n't matter only my income. I asked then what was the point in filling out a debt vs income form. She said to just give them a picture but really only the income matters. My customer service rep then asked me if I had looked into refinancing with another institution? I asked who would refinance me with the mess my mortgage currently is and also the amount being charged against me with legal fees, loan fees etc keep varying in their amounts. I also do n't wish to be put in the position where if I end up going through losing my home that to add insult to injury I then get taxed for what ever loss Bank of America determines in the differences. The point being this issue could have been resolved permanently 2 years ago to present with the short sale Bank of America dropped the ball on and I am still paying the price for. I feel now that not only should I be given a clean slate regarding fees etc since having the buyer from 2 years ago to present that I should be given a clean slate to what my balance was when I XXXX had problems with making payments since my last payment in XX/XX/XXXX just on principle because of it still be a problem 4 years unresolved to date and always the same response and action ( or rather lack there of XXXX. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have previously filed a complaint against PayPal And the response came as follows : " Pursuant to the aforementioned section of the User Agreement, PayPal may hold your Account balance for up to 180 days if reasonably needed to protect against the risk of liability and refuse to provide PayPal Services to you in the future. 

We will make any remaining funds, fewer reversals or debits, available to you for withdrawal on or before XX/XX/2021, and we will notify you of this via email. '' ______ Well, my money has been held for 180 days! 

Now I logged in to my account and find that they stole the money coldly : ) ( shown in the attachment ) And they gave a reason for this : {$600.00} USD PayPal Posting Date : XX/XX/2021 Payment to : PayPal PayPal 's damages caused by Acceptable Use Policy violation Damage!!!! I now want them to explain the damage now : ) ( If they can ) Really if you use a large number ( for PayPal ) of virtual cards Is this a violation? OK I agree But where did my money go? 

They gave me the possibility to link a bank account to withdraw my remaining money!! 
The remaining money be like {$0.00} If the case is not ended in my Favor, this is enough to escalate the case to federal courts to get rid of this @ $ % ^ & * My money is not a toy in your hands I'm the one who was Damaged for 180 days from not being able to access my money, not you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX all was ask to remove inquiries. Called multiple times a day.
Product: Student loan

I am writing to request the forgiveness of my student loans, totaling {$57000.00}, which I acquired while attending the now-closed XXXX XXXX XXXX My request is based on the grounds of school closure, the ineligibility of my transferred credits, and the disruption this has caused in my education and financial stability. 

I enrolled at the XXXX XXXX with the sincere belief that it would provide me with a quality education and open doors to a promising career. However, due to financial difficulties and the school 's subsequent closure, I found myself in a situation where I had to transfer to another institution. Unfortunately, my credits did not transfer, and was required to repeat another year of study to complete my degree.
Product: Mortgage

Filo Mortgage ( broker ) is intentionally delaying our closing by asking for last minute documentation. 

The day before our closing I received an email request for documents, which I promptly provided. They cancelled my closing only a few hours before the scheduled time and did not even contact me directly. The sent an email to inform me that the closing was being rescheduled. 

I believe they are intentionally trying to run out past my lock date to increase the interest rate on my loan.
Product: Credit reporting or other personal consumer reports

15 U.S. code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY XXXX REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION
Product: Credit reporting or other personal consumer reports

After reviewing my Transunion consumer report I noticed a collection that shouldn't be reporting. The collection is from XXXX XXXX XXXX collection company and the original creditor being XXXX XXXX XXXX with a balance of {$220.00}. This debt is wrong and misleading information which hinders my credit worthiness. I've already reached out to Credence via certified mail requesting validation and verification of the debt as well as disputing the debt entirely. I then followed up with writing Transunion as well disputing the negative item and to inform them that I've contacted the debt collector also. To my understanding XXXX XXXX XXXX has XXXX business hours upon receiving my dispute to stop any form of communication within the XXXX  day validation period. XXXX being via phone, email, contacting any employers, as well as reporting of any negative items and or information to any of my consumer reports. Credence Resource Management HAS NOT validated or verified anything nor can they due to his debt being false and misleading information. Transunion also HAS NOT removed this particular item from my consumer report nor marked it as in dispute. I've also attached a copy of my original letter to XXXX XXXX XXXX along with certification it was sent and the return receipt showing it was received also. Certification of my Transunion letter being sent as well as return receipt showing that it was received. I also included my updated XXXX and XXXX consumer reports showing that this debt is not included in those consumer reports at all. To my understanding this is a clear violation of 15 US code 1692e with this being false and misleading information. This is also a clear violation of 15 US code 1692g due to the debt collector NOT ceasing any efforts of collecting without the debt being validated as well as NOT removing the debt from my consumer report Nor marking it as " in dispute ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello CRA ; I just refreshed my credit report and noticed that other credit reporting agency went ahead and remove this public record bankruptcy from my credit report. but, unfortunately, your unlawful conduct has caused me a lot of XXXX and financial harm, including worry and other distress, out of pocket costs and expenses, and loss personal credit opportunities. You have failed to conduct a truthful investigation into this PUBLIC RECORD within the provisions of consumer laws. NOT IN COMPLIANT! 

Its impossible that you indeed investigated or even attempted to look into these public record listed below because I asked the court clerk if they verify records with the credit bureaus and they stated and send me a attached letter that they do NOT, so how did you legally verified this? 

For example, court name is not accurate each credit reporting agency must report the actual name of the court, followed by city, state. Youre required to obtain verification from the DATA FURNISHER and the court told me that they dont verify with you, so HOW is anything else considered legal verification? I need you to send me the petition to verify this account. If you can not do that, then this needs to be removed and permanently deleted. 

MULTIPLE INACCURACIES, MISLEADING AND UNVERFIABLE!!! 

Chapter XXXX bankruptcy Reference # XXXX Date Filed XX/XX/XXXX MULTIPLE INACCURACIES, MISLEADING AND UNVERFIABLE!!! DELETE!!! 

Chapter XXXX bankruptcy Reference # XXXX Date Filed XX/XX/XXXX MULTIPLE INACCURACIES, MISLEADING AND UNVERFIABLE!!! DELETE!!! 

Chapter XXXX bankruptcy Reference # XXXX Date Filed XX/XX/XXXX MULTIPLE INACCURACIES, MISLEADING AND UNVERFIABLE!!! DELETE!!! 
This public record contains multiple inaccuracies The amount is incorrect This public record was dismissed or filed in error This item never went to judgment The bankruptcy chapter, status and/or dates are incorrect The date ( s ) is/are incorrect This public record is paid, satisfied or released Best Regards ;
Product: Credit reporting or other personal consumer reports

Violation of the Fair Credit Reporting Act occurs when entities access consumer reports for purposes not explicitly permitted under Section 15 USC 1681b. Such violations include accessing reports without a valid reason, using them for unauthorized purposes, or failing to comply with the Acts guidelines and restrictions. Bankruptcy Court doesnt report Bankruptcy to Credit Bureau XXXX XXXX and others report, and sell personal information. This is a privacy violation even if it is invesigated as accurate. companies like XXXX offer information services that may include data protected by privacy laws, such as the Fair Credit Reporting Act ( FCRA ) in the United States. These laws regulate the collection, use, and dissemination of consumer information to ensure individuals privacy rights are respected and their data is handled appropriately. Any unauthorized access, use, or sale of such protected information may constitute a violation of privacy laws and could lead to legal consequences for the company involved.
Product: Mortgage

My mortgage servicer, Ditech, has mailed me XXXX requests for proof of insurance on my home. I have provided this information both to the prior servicers of my mortgage and more recently to Ditech via USPS mail. ( Curiously, Ditech only accepts proof of insurance via fax or USPS, not via email or through their website. ) Ditech 's letter states that they will procure an insurance policy for my home if I do not provide proof of insurance, and that this policy will cost me roughly $ XXXX/year. I have provided them with proof of insurance, and they surely should have received the same from the prior servicer when my mortgage was transferred. This seems transparently careless at best, and intentionally difficult at worst.
Product: Debt collection

I made a purchase from a merchant for {$59.00} back in XXXX of XXXX, and I paid for the merchandise through Affirm, which is a lender whom pays the vendor where the merchandise came from. I had to make four ( 4 ) {$14.00} installments for the merchandise, which was charged to my credit card every two ( 2 ) week until the debt was satisfied. When I received the merchandise, it was defective and did not work. I sent the item back, but was never refunded by the merchant. I have tried to contact the merchant, but never got a response back. Affirm would not refund me for the {$59.00}, so the only recourse I has was to contact my credit card company to dispute all four ( 4 ) installments and was refunded by my credit card, however, I was notified by Affirm today, XX/XX/XXXX, that my loan in the amount of {$59.00} was charged-off ( due to the charge-backs from the credit card co ) and that I will be sent to a collections agency. I called Affirm today to explain the situation about receiving defective merchandise that I no longer have in my possession, and the man stated there would nothing they could do. He said the dent will be sent to a collections agency. This is a disgrace that I have to deal with this headache for less than {$60.00} and I have a very good credit score. I feel this should be refunded and not turned into a collections agency when this was an unfortunate situation that happened. Please help. This is totally ridiculous.
Product: Mortgage

I have been waiting for Quicken Loans to redo a quitclaim deed XXXXXXXX XXXX because they put home ownership into a non-residing co-applicants name into deed/title. 
In the closing docs XXXX included the incorrect deed along with the correct deed as they refer to as Deed XXXX and Deed XXXX. XX/XX/2021, I prefer XXXX real deed only. They told me to leave it in packet and ignore erroneous deed along with numerous, dozens, of other extraneous documents that never make it into a closing packet. XXXX will not refine the packet and upload to me with correct closing packet AND they dont care if Closing takes place as scheduled. 
Underwriting finished review of all tasks completed on time for applicants. The closing disclosure is XXXX pages but the closing packet is XXXX pages. 

XXXX XXXXXXXX is to be closing date. I do believe XXXX is fining me for days past the XXXX  day rate lock and an extension period. Obviously, XXXX is not concerned about completion of this refi loan. 
I am! 

I was uploaded XXXX pages for closing.
Product: Debt collection

I was left a voice message stating that I would be served legal papers for a court date on XXXX XXXX, 2021. I called the number back and was directed to a so called lawyer. This lawyer tried to get personal information and stated that I committed wire fraud on an loan with Rushmore Financial. I began to laugh, as I have not conducted any business with this company. Then the lawyer hung up. The phone number that called was a local area code, XXXX.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing despite my previous communications regarding the removal of fraudulent items from my credit report. This marks the numerous formal attempt to address this critical matter. Despite my persistent efforts and numerous requests, the fraudulent transactions remain unresolved, causing significant distress and affecting my financial credibility. It is imperative that these unauthorized entries are promptly removed from my credit report to ensure its accuracy and integrity. I urge you to take immediate action to rectify this matter and provide me with confirmation once the fraudulent items have been successfully removed. Additionally, I request regular updates on the progress of the removal process to ensure timely resolution. With this, I am asking for your assistance to remove these fraud items in my credit file : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Experian are showing a XXXX  XXXX and XXXX  XXXX bankruptcy on my credit report that they have stated that the data Furniture of the information is a XXXX Bankruptcy XXXX in the XXXX XXXX of Texas. I have reached out to the bankruptcy court and they have sent me a letter which I have attached test clearly states that they do not provide any information to any third-party collection agencies or any credit monitoring services. They also stated they do not validate any bankruptcies with any other outside companies. I have challenge this information repeatedly with all three credit bureau, and they have refuse to remove the information from my report. These companies are falsely reporting this information, and must remove this, according to the fair credit reporting act. this information has been damaging to my credit reputation in his cost me several opportunities of employment with very reputable. The display of this information is also cause me to be lose out on several real estate deals that I could not get funding for due to the nature of the items on my credit report.