23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Back in XX/XX/2018, BEFORE I got behind on my payments, I contacted Mr. Cooper, my mortgage lender, and informed them that I was being placed on bedrest due to XXXX complications. I requested any assistance that they could provide to help me with my mortgage while I was on bedrest to keep from falling behind. They told me that all I could do was apply for a loan modification. I applied and the modification was finally denied in XXXX of 2018. I was informed that the reason for the denial was lack of income. The agent who informed me that my only option was a modification was well aware that I had no income due to my health status. I went back to work in XXXX, but now my mortgage is about 4 months behind, and Ive made my usual payment since then. All of my savings was used up while I was off work for almost 7 months. After returning to work, I was encouraged to reapply for the loan modification in hopes of saving my house. It was also denied on XX/XX/2018, because my obligations exceed my income. Isnt that why I need the modification? I called on that day and spoke to a representative ( who told me why my modification was denied ) and asked who I could file a complaint with against their company and was told that my loan was an FHA loan so the FHA is my lender, and they dont take phone calls. The FHA doesnt lend money - they guarantee loans, AND I have a conventional loan. Mr Cooper has lied to me over and over. They have never tried to help me keep my home, and they still arent helping.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses and failing to notify consumers on dispute outcomes. These failures aligned with my experience, where Experian corrected or removed or amend the disputed accounts. Experian inaction violates Federal law and my rights as a consumer.
Product: Mortgage

My VA Mortgage is with Flagstar Bank. I experienced financial hardship during covid. I went on a forbearance plan. I was about to resume my mortgage payment XX/XX/XXXX. I spoke with Flagstar 's hardship team to start the process to leave the forbearance plan. They stated that I would have to get a modification to my loan to refinance the unpaid balance that had accumulated during the forbearance plan. In XXXX I received the modification paperwork. I signed it and sent it back in. Found out months later that Flagstar made some type of error on the paperwork and they would have to redo the entire modification process. Fast forward to XX/XX/XXXX the modification process was completed and finalized ; however, I am still unable to make payments via online and have to call in my payment. I have been making my mortgage payments every month since XX/XX/XXXX. This month, XX/XX/XXXX, I received a document from Flagstar that I only paid {$800.00} of my {$1300.00} mortgage yet the paper stated that my required mortgage payment was {$1400.00} even though my finalized modification states my monthly payment is {$1300.00}. I then received call from collections stating that if I don't pay the remaining balance then I my credit will be negatively impacted and I will lose my home. I made my full mortgage payment and provided the collections specialist with my XXXX mortgage payment confirmation number and told her that I can provide my XXXX banking statement to prove that Flagstar withdrew {$1300.00} ( when I called to make a payment early XXXX the hardship employee told me to pay an extra {$10.00} so I did ) on XX/XX/XXXX. She then hung up on me. I called back and another representative hung up on me when I asked for a supervisor. I then called the hardship department and asked for a supervisor. I was on hold for an hour and they said that I would need to call back another time because they are busy. I also submitted a ticket to have a supervisor call me back within 48 hours but no supervisor has tried to contact me.
Product: Checking or savings account

This is the fourth Complaint. 
Citibank refused to release a check ( My Salary- I work as a XXXX ) that I deposited into my new bank account this happened back in XXXX XXXX, its been over 4 months now. Got an email from Citibank XX/XX/XXXXXXXX  their response to my complaint through CFPB. Citi stated on the letter that they started the process to return the funds back to the XXXX bank and will take XXXX weeks to complete. Its been over 2 weeks now but still the XXXX didnt get the funds back. 
I contacted the XXXX and asked to call the Bank if the Receive the funds back but still no luck. Citi still hasnt return the funds which is {$1700.00}. XXXX which is the XXXX bank said to call Citibank and follow up with them but I was told before by Their XXXX representative names XXXX that they cant give me any information about the check anymore. So I will just use this flatform to raise this concern hoping that theyll do something about it. Citibank only took a day to deposit the check into my account and took them minutes to froze my account so I dont understand why are they taking forever to do their investigation and return the funds to the XXXX. They supposed to hold the check that I deposited if they have suspicions and return the money to the XXXX but they didnt and I am suffering because of this. They dont even care. 
I attached files.
Product: Mortgage

I became XXXX after buying my home ; I have done a few modifications and California Keep your home helped me out in XXXX by applying XXXX to my loan with nothing to pay back if I kept my home for a minimum of 10 years I would not have to pay the loan back. The unfortunate part is the way my loan is set up I was hoping that I could be placed in a better position with one day owning my home ; my loan is set up to be paid off in 52 YEARS and I probably wont be around by then so I reached out to PHH mortgage company for help. 

MY COMPLAINT DATES BACK TO XX/XX/XXXX, THE NOTED LOAN CONSULTANTS ADDRESSED IN THIS COMPLAINT IS SOLELY DUE TO UNETHICAL BUSINESS PRACTICES. XXXX XXXX GATHER ALL MY INFORMATION, I paid {$600.00} FOR AN APPRAISAL AND {$20.00} TO LOCK IN RATE ON XX/XX/XXXX, the appraiser did what she was suppose to do the title company sent information but not even ONE PHONE CALL from the loan consultant or ANYTHING ELSE FROM THIS PERSON WHICH PLACED ME IN A REALLY UNEASY AND UNCOMFORTABLE POSITION. I GAVE ALL MY PERSONAL INFORMATION AND PAYED FOR SERVICES AND NO FOLLOW UP CALL WAS UNPROFESSIONAL. THEREFORE, I WAS FORCED TO FILE A COMPLAINT WITH ANYONE WHO WOULD LISTEN AND IN DOING SO, I WAS PUT IN CONTACT WITH THE SECOND LOAN CONSULTANT XXXX XXXX AND AS SOON AS XXXX XXXX REALIZE HE WAS NOT GOING TO MAKE ANY MONEY OFF THIS DEAL THE CALLS FELL OFF. XXXX XXXX ALSO ASKED TO USE MY DAUGHTERS CREDIT AFTER INFORMING HIM THAT HER CREDIT HAD TAKEN DRASTIC HITS AND SHE HAS HER OWN HOME BUT THEY COULD CARELESS ABOUT DOING BUSINESS IN A ETHICAL FASHION. I understand if they cant help me but I HAVE made several attempts of REQUESTING A COPY OF THE {$600.00} APPRAISAL REPORT AND THE NOTED COMPANY HAS FAILED TO PROVIDE ME WITH A COPY! SO UNPROFESSIONAL. 



XXXX XXXX Loan Consultant XXXX ( XXXX ) XXXX XXXX XXXX Loan Consultant XXXX # XXXX & XXXX XXXX XXXX XXXX XXXX XXXX Regards, XXXX XXXX
Product: Debt collection

XX/XX/XXXX - Received an alert from XXXX and XXXX regarding collections account added, XXXX XXXX for XXXX in the amount of {$370.00}. 

XX/XX/XXXX- At XXXX I called XXXX XXXX ( XXXX ) and  spoke with two representatives. The second representative stated that 5 notices of debt were sent to an address I have never lived at. 

Both of the representatives were extremely rude and misleading. I requested a Pay-for-Delete over the phone and both of them said " if you pay this it will be taken care  of '', which is nothing close to being deleted, but were phrased in a way to make you believe they would be deleted. I recognized their shady tactics and requested a verification of debt be sent to the correct address, however, the damage has already been done to my credit as the account was added without any knowledge of its existence.
Product: Mortgage

I filed a complaint with CFPB in XXXX of XXXX regarding my mortgage company, Freedom Mortgage, incorrectly submitting paperwork to the Veterans Affairs for a VA Partial Claim due to a forbearance. I had been attempting to resolve the mortgage forbearance for over a year, and reluctantly agreed to the VA Partial claim in XXXX XXXX of XXXX, and signed the Partial Claim agreement in XXXX of XXXX. I heard no more about it, and then in XXXX of XXXX I was informed by the Veterans Affairs that they denied the VA Partial Claim due to it being filed incorrectly by Freedom Mortgage, and that it could take as much as six months or more to resolve. At that point I requested for the Partial Claim to be stopped, as I wanted to pay the full amount of any deferred money owed directly to Freedom Mortgage so that I could move forward financially from this issue. After many attempts, messages and phone calls with the representatives from Freedom Mortgage, and the assistance from the Veterans Affairs, I finally filed my complaint with CFPB, and the issue was resolved, or so I thought. Freedom Mortgage finally accepted the deferred money owed on my mortgage directly from me, and my account was shown in good standing, as I requested, and as was agreed upon by Freedom Mortgage. I was no longer in a forbearance, and all financial obligations were paid and current. I have had no late or missed payments dating back to XXXX of XXXX when I was still in the forbearance plan. 
Now, as of XX/XX/XXXX when Freedom Mortgage reported my mortgage as having three missed payments for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, showing my account in default, and dropping my credit score over 80 points. I thought this was just an oversight, but after speaking with Freedom Mortgage representatives, it is clear it was intentional. I have called requesting to speak with a supervisor, never reaching one, and being told I would receive a call from one, ( to this date still no call from anyone ), and I have sent messages via the company website, with no response. My mortgage payments were made, received on time, and in the full amounts for all of the months they are reporting as missed payments. I am requesting these missed payments, and any other derogatory marks or issues be removed from all three credit buraus. On XX/XX/XXXX Freedom Mortgage did update my credit account status, stating my account is now current, but the missed payments are still showing on the account, and the impact on my credit score and credit rating is extremely detrimental Please remove this derogatory information from my accounts, and show my account in good standing with no missed payments, as previously agreed.
Product: Credit card

Bank of America ( aka Merrill Lynch ) hereinafter referred to as " the Bank '' issued to me a credit card years ago. ( Credit card ending in XXXX - last XXXX digits ). At all times the consumer credit relationship was well managed with timely payments at all times. XX/XX/2015 I abruptly terminated a Wealth Management Investment Account with Merrill Lynch for frivolous, unauthorized trading by my Merrill Lynch Financial Advisor. Shortly thereafter, without notice or my prior authorization, Bank of America/Merrill Lynch closed my consumer credit card ending in XXXX. Then, and again without consumer authorization or prior consent Bank of America unilaterally opened and assigned an unwanted new consumer checking account ending in XXXX, Without my authorization Bank of America allowed previously authorized automated payments from the XXXX account to flow to the XXXX account for which I had no prior knowledge that the account existed. To this day Bank of America has not communicated the issuance of this new account. I became aware of this unauthorized Bank of America credit card when a accoun statement appeared in the mail, and ; when when XXXX+ FICO score was impacted by a tri-bureau inquiry performed by Bank of America for opening of the unauthorized account. 
This maneuver has the appearance of unethical business practices by Bank of America in direct retaliation to the terminated Merrill Lynch Investment Account for the unauthorized and frivolous trading conducted by the Merrill Lynch Financial Advisor which was ultimately investigated by XXXX and resulted in consumer restitution.
Product: Money transfer, virtual currency, or money service

I was trying to buy a condo and my seller agents email got hacked, and the scammer impersonated that agent through email, then sent me the fraud wire instructions which I sent {$760000.00} to on XX/XX/year> which is a Friday. On Monday, XX/XX/year>, I realized it was a scam and called my banks and the receiving bank to report the fraud.
Product: Mortgage

My house was damaged by fire in XX/XX/XXXX. Our Insurance ( XXXX ) payed {$75000.00} for rebuilding our house. Money was kept in our Escrow account in Wells Fargo Bank, which we have mortgage with. Wells Fargo paid us {$50000.00} but kept last {$25000.00}. They supposed to release it after we finish all construction work. After initial payment our contractor quit the job without finishing it, he even called our bank to inform them about that. We finished rebuilding our house in XX/XX/XXXX with our money and different contractors. I asked Wells Fargo to release the money but they informed us that we have to take our old contractor to court to be able to get money from Escrow account and till then money will be kept in Escrow. For those years they paid me interest ( 1 % ) from money they kept from us. They send me statement every XXXX of each year for my taxes. I did n't get this form XX/XX/XXXX so I called them to ask them about it. They told me that they paid my Escrow money to old contractor. They did n't contact me at all to informed me about that. After lots of phone calls and my frustration they send me a copy of the check they paid to contractor. Check was with my name and contractors name on it, my address on it, it was send to contractor. On back check was signed by him and it was also signed with second signature. 
I filled out check fraud endorsement and I am still waiting for answer. Wells Fargo is playing games : each time I called my case was assigned to new person. They are promising me to call me back same day or next day. Each time I am waiting 2 weeks and I am calling again and new person is there without knowledge of this problem. Bank made a lot of mistakes : my money was paid to contractor who did not perform the job, without noticing me they send the check to his address, he did sign it as me and cash it. 
I have record of all my communication with Wells Fargo and I would like to resolve this case, so please help with that.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Insists On Keeping My, Credit Card Account 's, That I Paid OFF On My Credit Report, With Their Own Unpaid Amounts. They Enjoy Keeping People 's Credit Score 's Down. Everyone Of The Credit Card Account 's, That I Have Listed, Is Paid OFF : # 1XXXXXXXX XXXX- {$2000.00}, # 2. XXXX XXXX XXXX # 3. XXXX XXXX # 4. XXXX XXXX {$820.00}, # 5. XXXX XXXX {$15.00}. I Contacted All 3 Credit Bureaus. I Filled A Complaint With Each Bureau And They Refused To Resolve The Problem. What Kind Of " GENIUSES '' Work At These Companies? By The Way, I Filled Complaints With Experian And XXXX Because They Show The Exact Credit Cards, That I Paid Off, With Balances. Can You Please Help Me With This Mess? Thank-You, XXXX XXXX
Product: Debt collection

Repeated SCAM robocalls from XXXX XXXX ( or XXXX? ) at Arcadia Recovery Bureau at XXXX or XXXX. No such debt exists now or ever has.
Product: Bank account or service

opened an account online. was charged XXXX dollars and given account and notice debit card would be sent. Went into a branch and was told no money in my account. US bank stole my money and manager says I was denied and would recieve a check in 3 weeks. What? thats like an unauthorized loan. thay stole my money and still continue to get emails from them stating debit card is on the way.
Product: Debt collection

Hello, my name is  XXXX , my identity was stolen back  in 2011, about two weeks ago a collection from " MIDWEST RECOVERY SYSTEMS '' shows up on my credit report ( s ), and it is not mine, they claim it was from a payday loan taken in 2011  and that I should " just pay it '', I will NOT pay for something that I did not do! It was a result of ID theft! I want this removed from my credit reports! I hope someone sees this that can actually do something about my problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, EVERYTHING must be 100 % accurate on my credit report. The information that is reporting is inaccurate from the open dates, last active date to last reported date. This is grounds for removal & these following companies have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DEPT OF ED/XXXX  XXXX XXXX DEPT OF ED/XXXX  # XXXX DEPT OF ED/XXXX  # XXXX DEPT OF ED/XXXX  # XXXX XXXX XXXX # XXXX US DEPT OF EDXXXX # XXXX US DEPT OF EDXXXX XXXX XXXX 15 U.S.C. 1681 Section 602A : States I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It states a Consumer Reporting Agency can not furnish an account without my written permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a lot of close and pay off account plus they are way to old to remain on my credit file Like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX - XXXX credit card Plus XXXX XXXX credit card
Product: Credit reporting or other personal consumer reports

I am writing to formally request a review and removal of certain items from my credit report, specifically the closed accounts, late payments, and inquiries that have resulted from a data breach that significantly impacted my financial standing. 

On XX/XX/2020, I became aware that my personal information was compromised as part of a data breach. This breach led to unauthorized access to my accounts, and I have since worked diligently to address the issue, including reporting the incident to the relevant authorities and taking necessary steps to mitigate the damage. 

Unfortunately, as a result of this breach, several accounts were closed, payments were reported as late, and inquiries were made without my authorization, all of which have severely impacted my credit score. I am requesting the removal of these negative entries as they were not a result of my financial behavior but were directly caused by the fraudulent activities associated with the data breach. 

I have attached documentation detailing the breach, including any relevant reports or correspondence, and I am more than willing to provide any additional information or documentation required to assist in resolving this matter. 

Given the circumstances, I kindly request that the closed accounts, late payments, and inquiries be removed from my credit report to reflect the fact that these items were the result of a data breach beyond my control.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Product: Checking or savings account

This complaint is against Chase Bank. In XXXX of 2022, I uncovered significant fraud that occurred on 3 of my personal debit cards with 2 banks ( chase and one other ) over the course of months. Transactions showed up on my bank statements with various XXXX merchants that I totally did not recognize. I did not authorize the transactions, I did not lose my debit cards, and I don't recognize the merchant in any way. 

I began filing disputes with the banks involved regarding the fraudulent debit card transactions. With cash app ( the other bank or debit card ), I got my money back quickly. With chase, I got provisional credit issued for one of the accounts on XX/XX/2022, but the other account, they denied my claim altogether on XX/XX/2022. 

They at first claimed that they had proof the purchases were made using a secure chip card, and therefore I had to make them. They told me this multiple times when I called customer service despite me insisting I did not make the purchase using my debit card, and I never lost it, so I know it is impossible. I eventually went into a chase bank branch and had a meeting with a banker who reviewed each transaction with me and we together confirmed the chase claims team was wrong in saying the transactions were coded as 'secure chip card used '. Each transaction was manually keyed, like I knew had to be the case. 

The banker opened a complaint for me within chase, escalated my case to the corporate office, who ultimately came back and said they weren't reopening my claim simply because the fraud charges were too long ago, and not because they were done with a secure chip card like they falsely claimed to me at first. 

Reviewing the law, I believe I am within my rights to demand that chase assist me in recovering these fraudulent funds. I never lost my debit card, and the law I read on the matter says I would be liable for transactions that occurred more than 60 days after the first fraudulent occurrence on a statement. I understand that and I want Chase to issue me refunds for the fraud occurring within those 60 days on the 2nd account like they did do on the 1st account I have with them. 

The amount of the fraud Chase is denying to help me recover is over {$5000.00} so this is a lot of money to me and very important.
Product: Debt collection

These are the MOST RUDE and UNPROFESSIONAL individuals ever. They are disrespectful. They say things like " your a deadbeat ''. Multiple Times I have communicated to this company NOT to contact me at work. They continue to call me at work with the most recent voicemail being XX/XX/18 at XXXX XXXX EST. I have communicated with in writing that there should not be ANY calls or contact attempts made to me at work.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in disagreement with the items listed on my credit report which still appears on my credit report after an investigation. I would like these items immediately re-investigated and DELETED. These inaccuracies are highly injurious to my credit rating. You have ignored my previous XXXX request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.