23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I'm client from BB & T for more 10 years. I was on forebance plan for 12 months. But before the 12 months expires ( around 4 months early I received a letter from loan modification about to refinance my existing loan ) I called the bank and told I'm under forebance program. They told me : That letter was a mistake, You suppose to not receive that kind the letter, that department didn't have a accurate information about your loan. They told me throw the letter away. They will send me a new package ( payment deferral agreement ) and need to signed and get back to them. So I did. 
And they told me to keep doing my payments. So I did, too. 
But last week a received a other letter from Truist Bank, saying You mortgage account is in default .Loss mitigation is going to start foreclosure process. I call them again, phone call took almost 2 hours. My wife and I found a big problem inside Truist Bank and Truist Branch. They have a bad communication between different departments. I have my receipts ( mortgage payment ) from the last 6 months ( around XX/XX/XXXX through XX/XX/XXXX ). I did mortgage payments on the Branch, BUT the Branch never applied the payments to the mortgage. For loss mitigation department looks I didn't make any payments. 
But they told me the bank have the money on HOLD. There was a mistake between mortgage department and Branch. Mortgage department blame that Branch. The Branch blame mortgage department. But the end the client pay all the mistake. 
Now I got the letter from them saying You didn't make the payments. 
Start the foreclosure process. 
And the end of phone call nobody solve my problem and told me they will TRY to fix their mistakes. 
Right now I'm frustrated with all this situation.
Product: Mortgage

XXXX XXXX, 2017 Re : Mortgage account # XXXX Property XXXX XXXX XXXX, XXXX IN XXXX Dear Sirs : This is direct request that Ditech terminate the escrow account and monthly charges on the above mortgaged property. Ditech is using escrow account on listed property to gain interest free self-serving loan from customer. The Consumer Financial Protection Bureau is suing Minnesota-based XXXX XXXX Bank XXXX for allegedly " tricking consumers into costly overdraft services ''. Ditech is doing the same 'trick ' with escrow account attack to defraud home owners for 20 % increase in costs with no factual basis or need. 
On property : XXXX XXXX XXXX, XXXX, Indiana, the current escrow is $ XXXX. New escrow is $ XXXX. This change is an increase Total= $ XXXX, which results in $ XXXX increase. This is XXXX % rise in escrow cost, which adds total {$6000.00} escrow each year to cover {$5300.00} actual cost, [ Tax : XXXXHomeInsurance : {$1700.00} ]. This is an annual {$710.00} " profiteering '' interest free loan to ditech, in addition to the {$2300.00} carry forward balance before any escrow disbursement occurs. 
House insurance on this property has not changed in 10 years, and current, active policy enclosed. Mortgage property value assessment has been substantially reduced on appeal [ Enclosed ]. This will result in property tax reduction. There is no evidence of tax or hazard insurance rise or increase. 
When discussed with ditech staff on XXXX/XXXX/2017, the employee claimed : " this is your saving account. '' This is a bald face sales pitch lie, as no bank saving account pays 0.00 % interest. 
Ditech escrow manual states : " If the surplus is more than {$50.00}, we will send you a check for the surplus funds. '' This statement is in direct conflict with the claim for an unsubstantiated, meritless increase of {$92.00} per month, and the additional demand for immediate payment of & gt ; {$700.00} excess escrow monies. 
The ditech {$1400.00} escrow funds and collection attempts on mortgage account # XXXX must be terminated immediately. The {$1400.00} surplus currently in the escrow account must be paid, re-numerated, returned, to home owner.
Product: Payday loan, title loan, or personal loan

The loan payment was at XXXX a month. I am a single mom if XXXX and without a second job and still was denied for hardship or a good reduction of per month payment and interest rate. It was only reduced by half. XXXX a month. I only make XXXX before tax a year. I dont have a car note but I do have rent, light, water, car insurance, loans, credit cards, school expenses, health insurance, rental insurance, food, and household expenses. I dont get government assistant.
Product: Credit reporting or other personal consumer reports

See attached letter sent to XXXXAVANT, first and foremost I DID NOT ever receive a card from this company, however they are reporting information on my 3 credit bureaus which is different on all 3. 

Your portal will not let me upload therefore here is a copy of the letter : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXXAvant XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Request for Accurate Reporting of Credit Information Account Number : XXXX Dear Sir/Madam, I am writing to formally request that you review the information being reported by XXXXAvant to the credit bureaus regarding my account. I recently obtained a copy of my credit report, and I noticed discrepancies related to the account referenced above. 
Specifically, the information being reported is inaccurate and does not reflect the true status of the account. First and foremost I did not ever receive a card nor use a card from this company. 
Here is the information being reported as you can see different information on each bureau : High Balance : XXXX {$75.00} XXXX {$75.00} XXXX {$300.00} Date of last activity : XXXX XX/XX/XXXX XXXX XX/XX/XXXX Date reported : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Date Opened : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Closed Date : XXXX XX/XX/XXXX Credit Limit : XXXX {$300.00} XXXX {$300.00} XXXX {$0.00} I respectfully request that you investigate this matter and remove all incorrect information that is being reported to the credit bureaus. 
Please remove the information with all the credit bureaus and confirm the deletion ( s ) in writing. If you need any further information from me to assist in the investigation, please do not hesitate to contact me at the address listed above. 
Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Multiple instances of reporting erroneous activity have occurred. It's essential that any unauthorized items are removed within four business days. This involves providing sufficient proof of identity, submitting an identity theft report, identifying relevant information, and confirming its relatedness to any of my transactions. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

Lately USAA has been coming after me 1st by wanting to cancel my Auto Insurance. I have been a customer for about 40 years. Today I called usaa credit card services and came through authenticated through the voice prompts. The man that answered the phone appeared hostile and asked many questions to authenticate me. I answered all their questions correctly. He told me that I failed authentication and was going to hang up the phone and he did. USAA is targeting me because I am a conservative a Republican and I love and Adore the XXXX XXXX XXXX. This has to stop. I'm being attacked!
Product: Credit reporting or other personal consumer reports

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 incomplete items unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failin to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights Theses are the accounts XXXX XXXX
Product: Mortgage

We have given Bank of America everything they have ask for and everyday a different person call and say the same pages are missing I keep faxing the same pages over and over and I keep getting the run around after these pages were fax to the numbers they have given me. This is not my fault because back in XX/XX/2019 I reach out to Bank of America representative and my Balloon loan expire in XXXX he sat on my application and waited until the Balloon loan expire when I called him he said he never submitted my application leave me in a bad situation which now I can loose my house please help me right now I am planning my mother funeral and this is too much stress for me and my family PLEASE!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify you no later than five days after the date of reinsertion. This FCRA requirement is not always practiced. Equifax deleted XXXX XXXX XXXX Account between XX/XX/XXXX and XX/XX/XXXX and then reinserted it without notifying me ... then between XX/XX/XXXX and XX/XX/XXXX they removed the negative remarks, but then reinserted it again without notifying me once again ... this is against FCRA law ... I disputed the incorrect info on my report and they removed, but put it back on report illegally ... I want it completely removed, and possible compensation for violation of law and my rights ... and I am yet to get anything in writing about investigation ... instead I have seen everything on-line in which I did not consent to on-line results ...
Product: Debt collection

Alliance One is attempting to collect a debt that does not belong to me. 
The demand is for {$110.00} and does not belong to me. I am disputing this debt because it does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX is showing a delinquent balance although I paid the card of XX/XX/2023. I sent XXXX XXXX a billing error dispute pursuant to 15 USC 1666 ( b ), ( c ), ( d ), and ( e ) on XX/XX/2023 but received no response to the error. This account should have been updated to PIF status already and XXXX will not respond to my dispute to fix the error
Product: Credit reporting, credit repair services, or other personal consumer reports

Below is the letter I sent to TransUnion on XX/XX/2021, I have yet to get a response from them and/or a removal of these accounts from my credit report. 

RE : Request for Investigation of Unauthorized Inquiries To Whom It May Concern, I checked my personal credit report, which I acquired from your organization on XX/XX/2021 and I noticed that this unauthorized inquiry had been made : XXXX XXXX XX/XX/2021 This is an unauthorized fraud inquiry and must be removed from my credit report XXXX XXXX XXXXXXXX XX/XX/2021 This is an unauthorized fraud inquiry and must be removed from my credit report XXXX XXXX  XX/XX/2021 This is an unauthorized fraud inquiry and must be removed from my credit report I contacted the creditors who placed the inquiries ( XXXX XXXX, XXXX  XXXX XXXX , & XXXX XXXX ), and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 

Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your help and assistance.
Product: Debt collection

In regards to : Alleged FFAM Account Number : XXXX XXXX XXXX non-adverse, non-belligerent, non-combatant party, secure-creditor with power of attorney general, and Executor on behalf of the XXXX XXXX XXXX XXXX XXXX in possession of a recent medium of communication indicating the prior account with XXXX XXXX XXXX XXXXXXXX has sold my account information to your organization. 
First Financial Asset Management , Inc., must herein provide a true and certified copy of the complete audit trail of said account. As you are aware, statements can not be used to provide proof of any debt. Please send a True Bill along with the complete audit trail. Furthermore, in order for First Financial Asset Management , Inc., to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., International-Financial-Reporting-Standards [ i.f.r.s. ], and in accordance with XXXX XXXX accord and XXXX. conventions. I am requesting an accounting of this account from the inception of the original date of the account being opened, to include all statements. I will also need a copy of your Tax Registration certificate!

Furthermore, I have attached a W9 IRS form and the XXXX form to be filled out and returned back to me via email within 10 days. 

Failure to substantiate the claim made, please settle this account immediately within the next thirty days. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hello, I would like to file a complaint against PNC bank Headquarters in XXXX, PA. 
PNC bank did not protect me from the unauthorized transaction even though I informed about it 3 times. Under The Consumer Financial Protection Act of 2010 bank is responible to protect customers from fraud but PNC bank failed. I lost my money for 2 weeks from my checking account. 
On XX/XX/XXXX I noticed on the website XXXX XXXXXXXX XXXX that their agent used my PNC debit card information for an unauthorized transaction without my knowledge. That transaction was a car insurancre renewal. I did not agree to extend the car insurance, I do not have the auto pay option. They used my debit card information from a previous transaction on XX/XX/XXXX transaction ID XXXX. On XX/XX/XXXX at XXXX I contacted PNC customer service via online chat. I informed about an upcoming unauthorized transaction on the checking account and requested that the transaction be blocked. PNC employee informed me that he did not see such a transaction, so I said that it was an ongoing transaction and I provided all information about this transaction : amount of {$750.00} and the name of XXXX XXXX XXXX PNC employee informed me that once the transaction was completed, I could use the dispute option. I told her this is my checking account not credit card therefore I need this money and I won't wait 30 days for dispute transaction. I told her this is fraud transaction and you are responsible to protect my money. She refused to take any action. 
On XX/XX/XXXX I saw a pending transaction XXXX $ on my checking account from XXXX XXXX XXXX. I called to PNC fraud department and told them about this un autorized transaction. I told them that I reported it 3 days ago and PNC did not stop this transaction. I demanded the immediate cancellation of this transaction but PNC employee refused. She told me to dispute transaction and wait 30 days for my money. I I replied that I will report it to the CFPB and XXXX Next day on XX/XX/XXXX I received a call from PNC fraud department. their employee asked for details of this transaction and offered 30 days to dispute the transaction because she doesn't have any option to stop transaction. I called to XXXX XXXX and demand refund immidietly or I will report to FTC. After 2 weeks I recieved my money back XXXX . For 2 weeks I lost the money I needed because PNC bank refused to block the transaction. They did nothing to protect my therefore I want them to pay for that and hold them accountable. 
Transaction details : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$750.00} on checking account XXXX
Product: Credit reporting or other personal consumer reports

RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX My Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above.

Delete any and all other phone numbers.

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On all three Credit agencies ( Transunion, XXXX, XXXX ), they are reporting a late payment on my credit card account and auto loan account. XXXX XXXX credit card company reported me late in XX/XX/2020 during the pandemic and I made arraignments with them to make sure I wasn't late that month but they are claiming they don't have enough information to know what really happened. I asked all three Credit Agencies ( Transunion, XX/XX/XXXX, XX/XX/XXXX ), to remove this and haven't gotten a response. Also, with XX/XX/XXXX they reported me late during the pandemic in XX/XX/2020 and I asked for that to be removed as well and I haven't heard anything back from the credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

For months, Experian has reported an account ( XXXX XXXX XXXX, Account # : XXXX ) on my credit report with missed matched dates and missing information. For example, they are not reporting the " Account XXXX '' and the " Verified Date '', which is information they must have but for some reason, it's been missing from my report for the past three months and nothing has been done to fix it.

As well, they are reporting this account as " Closed '' but they are missing the Closed date, which is completely contradictory information and needs to be fixed.

I sent 3 letters in the past three months and I gave them enough time to respond but to this day they haven't acknowledged my letters in any way. To this day, this account is still being reported as " Account not disputed '' and I receive absolutely no correspondence from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is another situation of XXXX XXXX XXXX XXXX, XXXX trying to again foreclose on my home again for a third time!!! the last two fraudulent times my credit was identified as being cleared of the two accounts which this bank supposedly cleared off of my credit due to XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 's credit reported information in XXXX as being in default of the primary fake account first mortgage which later proved to be forged/photocopied documents used in the foreclosure sale on XX/XX/XXXX. Now the most recent ILLEGAL foreclosure sale on XX/XX/XXXX, of XXXX Again fraud discharged this second so called mortgage HELOC as this fraudulent sale was initiated and part of this illegal foreclosure sale was discharged with this illegal sale. Now I get the attached credit report from Experian dated XXXX showing this heloc as being in default even though it legally should have disappeared with the most recent illegal foreclosure sale on XXXX XXXX, XXXX. I have also filed complaint with the FBI, FHFA-OIG , IRS-OIG and etc... This is where this bank is trying to set me up for Another ILLEGAL foreclosure sale using this account. Please see attached this discharged with last foreclosure sale has damaged my credit even though it was removed from my credit reports has been put back on without the first primary fake mortgage that was foreclosed on twice!!!! This is credit fraud and XXXX XXXX XXXX Bank is responsible for this false credit reporting while trying to AGAIN trying to set me up for another illegal foreclosure sale. This is severe financial, emotional abuse leading to additional physically abuse causing this XXXX yr old, XXXX, indigent woman with only a high school education to be again terrorised into having another cardiac event as I recently had XXXX XXXX this causing severe emotional duress with all of this illegal fraudulent XXXX!!! this so called HELOC does no longer exist and it is listed under another alias of XXXX XXXX XXXX XXXX, NA being now called XXXX XXXX XXXX is doing this to me on behalf of XXXX XXXX XXXX XXXX, NA. This again is a pattern criminal act of illegal foreclosure attempt coupled with tax evasion while damaging my credit, I do not blame the credit bureaus they are all being given FALSE credit reports. I believe this is a full blown conspiracy and am requesting the CFPB look into my other CFPB complaints to see the connecting criminal acts against me for illegal debt collection by all parties mentioned in this complaint. I will also be filing with other state and federal agencies as this illegal criminal activity continues to illegally try an Steal my home for profit.