23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Request for Assistance and Resolution Regarding Mortgage Transfer Issues Dear Chase Executive Office Team, I am writing to express my frustration regarding the handling of my mortgage over the past year and to seek your assistance in resolving this matter. This is not my first time working with your office, and while I appreciate the assistance provided in the past, the ongoing challenges with my mortgage have left me feeling disheartened and uncertain about my financial stability. 

My mortgage, which was previously owned by Chase, was under XXXX Forbearance in XXXX as part of the CARES Act. Thanks to Chases mortgage assistance program, I was approved to get back on track in XX/XX/XXXX. However, my mortgage was subsequently transferred to XXXX XXXX, which has been an incredibly difficult experience. 

Since XX/XX/XXXX, I have been battling with XXXX XXXX to address my mortgage situation. I had to restart the mortgage assistance process entirely and, after months of effort, was approved in XX/XX/XXXX. However, the only option offered was a 40-year mortgage extension. Exhausted from the constant back-and-forth and worried about the impact on my credit, I agreed to these terms. Despite assurances from XXXX that my credit would not be negatively affected, they reported my account negatively, which they are now in the process of correcting. 

To my surprise, I was recently informed that my mortgage is being transferred back to Chase. I am requesting that Chase honors the mortgage assistance previously approved by XXXX, including the terms of the 40-year extension. Additionally, I called Chase today regarding my mortgage payments for XXXX and was informed that underwriting is reviewing my file. I was told this process could take 1530 days and that my credit would not be reported negatively during this time. 

As you can imagine, this situation has caused significant stress and frustration, especially since I have spent the past year being shuffled between lenders without clear communication or resolution. I respectfully ask that the Chase Executive Office take charge of my case and provide me with a clear resolution. Specifically, I request that : XXXX. Chase honors the terms of the 40-year extension approved by XXXX XXXX XXXX 
XXXX. Consideration is given to reducing my monthly mortgage payment to alleviate the financial strain. 
XXXX. Ensure my credit is not negatively impacted during this transitional period. 

I am attaching the XXXX letter from the Chase Executive Office as a reference for my previously approved assistance. Please dont hesitate to contact me directly at ( XXXX ) XXXX for any additional information or clarification. 

I sincerely hope that Chase can resolve this matter swiftly and help me achieve financial stability once again. Thank you for your attention and understanding. 

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

My bank account ( XXXX Acct ) was used by XXXX XXXX ( a customer of Synchrony Bank ) to pay her Care Credit card. I did not authorize her to do so nor do I know this person. It seems like her bank account is a digit off of my account number and was used accidentally. I filed a police report with the city I live in, I filed multiple complaints to XXXX XXXX  and with the CFPB and I am still out money on this issue. In total the amount taken from my account was {$1200.00}. This was over months - XX/XX/XXXX to XX/XX/XXXX. I didn't realize this wasn't my account being paid until XX/XX/XXXX ( I too have had a Synchrony acct ). I know the woman 's name and her care credit card but that's the only information I have since the bank won't give me any information due to privacy rules/laws.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was part of the Equifax breach settlement. The status of my claim is indicated as " paid '' as of XX/XX/2022. I have received no payment. I have contacted the settlement XXXX twice to inquire about the status of my claim during the many months the status showed " pending '' and once to report that I did not receive any payment after I saw that my status had changed to " paid '' using the secure form on the Equifax breach settlement website. I have not received any replies or acknowledgments to these messages.
Product: Mortgage

Please be advised that we applied and were approved for loan modification by Bank of america after a year of processing. 
The documents were sent to us and the cover sheet says important to have documents back by XXXX XXXX XXXX we used XXXX to track and they were confirmed back at bank of america on XXXX XXXX XXXX we waited and aprox a week later new documents came to us that said you must re do the loan mod documents as the notary is not correct. we went again had notarized and returned by XXXX on XXXX XXXX before the due date XXXX we did not hear back and then we started to call we spoke with nice woman XXXX daily at bank of america XXXX she stated, recorded. " this happens all the time bank of america is very particular. she sent a new set of documents. they did not come. we called spoke to XXXX our single point contact he sent XXXX more packages. on XXXX XXXX XXXX we received XXXX LOAN MOD PACKAGES all at once at large mailbox we direct all large packages to go to, our regular mailing address. nothing was received at any other address. we immediately noticed that the cover sheet said docs back to them bank of america by XXXX XXXX, so this would be impossible. as it was now the XXXX of XXXX XXXX we went to branch of bank of america this time and spoke to asst to mgr XXXX his name XXXX, every fine and we should come back monday the first appt with XXXX at XXXX XXXX XXXX XXXX we did. signed. she notarized and returned docs XXXX we were then contacted by bank of america and called and spoke to XXXX XXXX she was very abrupt and said you are denied because you did not return the docs on time. she would not discuss further. we are filing this complaint as we made the XXXX payments required by bank of america for loan mod and we returned the documents as quickly as was humanly possible. we are not at fault here and we wish bank of america to honor its commitment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX CARD - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Mortgage

Again trying to get loan modified, have been faxing since XXXX, XXXX XXXX signed loan documents, and signed over POWER OF ATTORNY, get a letter saying CANT VERIFY XXXX XXXX INFORMATION!!!!!!!!!!!!!!!!!!!!!!?!!?!? Not sure why see original loan appilication XXXX AT XXXX NEVER CALLS BACK going to start pulling phone records!
Product: Debt collection

i am writing to u to see if we can get XXXX XXXX taken off my credit report since they closed my account on XX/XX/XXXX and they wrote it off and i would like it taken off my credit report it was for XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I have unauthorized accounts and inaccurate information being placed on my credit report. I have disputed these accounts multiple times by mail and online. I am in financial hardship with XXXX kids. I am being denied because of my credit report. I'm unable to receive financial support/ gains due to the inaccuracies on my credit. I also look to see if my personal information was impacted by the data breach, and it was. It's too late file a claim. I AM IN NEED OF IMMEDIATE ATTENTION. I need these items removed from my credit. It's unfair and causing so much stress. 

As I study my consumer laws, I have to come to understand the rights and protections afforded to me under the Fair Credit Reporting Act ( FCRA ) and other federal regulations. These laws are designed to ensure the accuracy, fairness, and privacy of information in the credit reporting system. It is disheartening to see these rights violated, as unauthorized accounts and inaccuracies on my credit report remain unsolved despite my efforts to dispute them. I am determined to hold the credit bureaus accountable to ensure compliance with these laws and protect my financial stability. 

1. ( 15 U.S.C. 1681i ( a ) : The credit bureaus have failed to conduct a proper reinvestigation of my disputes within the required 30-day period.

2 ( 15 U.S.C. 1681e ( b ) : The credit bureaus are required to ensure the maximum possible accuracy of the information they report, yet unauthorized and unverified accounts remain on my report.

3. ( 15 U.S.C. 1681c-2 ) : The FCRA requires credit bureaus to block fraudulent or unauthorized information upon receipt of sufficient proof, which I have provided, but no action has been taken.

4. ( 15 U.S.C. 1692 ) Consumers can dispute a debt and request verification before further collection efforts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND IDENTIFIED SOME INACCURATE ACCOUNT AND AN ENTRY IDENTIFIED AS INQUIRY THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRY HAVE CAUSED ME A GREAT DEAL OF STRESS AND HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THESE ACCOUNTS AND INQUIRY AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE PLEASE.
Product: Credit card

Discover has held XXXX of my payments in the last 6 months under review, when asking Discover why I am under review they state that I have XXXX returned payments on my account, when advising Discover that I have never missed a payment and there reviews are taking XXXX business days causing my payments to be returned as i have other auto withdrawals coming out of my account they advised to me there is nothing that they can do. I would like for a supervisor to call me back and explain to me a resolution to this problem as I am graduating to a unsecured account in XXXX weeks and would like a fair review, my payment was made XX/XX/year> and is still not showing in my available credit on my account, payments are only returned when they have waited weeks to take them and other bills have drawn out of my account weeks later and this is affecting me
Product: Credit reporting, credit repair services, or other personal consumer reports

My response letter was untimely pursuant to FCRA 623 ( a ) ( 8 ) ( E ), which in accordance with FCRA 611 ( a ) ( 1 ) ( A ) would have required XXXX to report the results to me WITHIN 30 DAYS from the date of receipt of my notice which was XXXX XXXX, XXXX. XXXX response was mailed to me on XXXX/XXXX/XXXX, which is well outside of the XXXX requirement as prescribed in the following FCRA laws. It appears that XXXX received my second dispute notice on XXXX/XXXX/XXXX and attempted to respond to that by backdating it to XXXX/XXXX/XXXX in attempt to appear compliant with the law for the initial dispute. XXXX act of deception was still out of compliance because XXXX mailed it outside of the XXXX window for the first dispute, and XXXX committed fraud in the process. 
623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) SEE BELOW* within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section.
* 611. Procedure in case of disputed accuracy [ 15 U.S.C. 16 ( a ) Reinvestigations of Disputed Information ( 1 ) ReinvestigationRequired ( A ) In general. Subject to subsection ( f ), if the  completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Debt collection

This company is reporting on my credit as debt as if I owe it. I have never used their services at all. I do not and have not ever used a Medicredit anything. Now this company is affecting my ability to obtain finances as a result of this fraudulent account that I have repeatly denied and advise them of this several times. The account is not mine.
Product: Mortgage

My property tax is paid with my mortgage payment via SLS Mortgage - the loan servicer. 

In XX/XX/XXXX, I called SLS Mortgage to find out what the process would be for receiving a refund if I decided to directly pay my 2nd property tax installment by XX/XX/XXXX. I was told that it was a simple process to be reimbursed for the pre-paid property tax ; that I would just need to fax or mail SLS a letter requesting the refund and a receipt from the County proving that I had paid the tax. I was clearly misled when I was told that it would be a simple process back in XXXX. 

Based on what I was led to believe, I prepaid my 2nd property tax installment by XX/XX/XXXX, and did exactly what SLS required in order to receive my refund from the escrow account. On XX/XX/XXXX, I mailed all verification of the paid tax. However, as of today, XX/XX/XXXX, I have NOT received my money back from SLS. 

I have been calling since XXXX, and have been given the run around by various departments at SLS.  I believe that SLS is illegally holding my funds. Please have SLS release my money immediately.
Product: Payday loan, title loan, or personal loan

One MainXXXX XXXX XXXX XXXX XXXX XXXX XXXX  MD XXXX has a different status notation on each of XXXX and XXXX credit reports. 
XXXX says " Closed '' and XXXX states " 120 days late '' on their report. 
I have notified these bureaus many times and have not gotten this problem corrected. 

According to 15 USC 1681 ( a ) ( i ) i can dispute these violations if I believe them to be erroneous. As you can see, they are incorrect. ( Paperwork submitted ). 
In addition, these account inaccuracies are hurting my credit standing and are harming my purchase of a house, car, and credit cards as well!
Product: Mortgage

I was notified through my bank Union Bank, that US Bank would be taking over all of our accounts at the end of XX/XX/2023. I was provided multiple emails that the transfer would not affect my automatic payments and would transfer properly to US Bank. My automatic payments did not transfer as notified. US bank never notified me via mail or emailed me a notification to renew my automatic payments. I discovered the request in a small memo after setting up my online account with US Bank but they did not mention that my payments had stopped. Correctly applying for the auto payment process, unavailable online and required to apply via mail. I later discovered my account was delinquent via mail from US Bank at the beginning of XX/XX/2023. The end of XXXX 's payment was never processed. I'd like to ask US Bank to please show me the letters and or notifications instructing or notifying me of the cancellation of automatic payments from Union Bank. Ultimately, US Bank reported my 2 months of delinquency to multiple credit agencies. I request them to retract the negative rating. I have all my bank statements reflecting my automatic payments with Union Bank and the eventual automatic payments with US Bank, letters and emails to be provided.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has sent negative information to the XXXX without my written consent : as well as my authorized users. I have never given written consent to send any info to a third party. This has caused problems for me to obtain anything for my future, has caused XXXX and XXXX in my life.
Product: Bank account or service

XXXX issued a consent to Disbursement of Funds to the Bank of American legal department on XX/XX/2016 at XXXX. All XXXX of our Bank Accounts with Bank of America are currently frozen. To date, Bank of America claims that they have not received anything from XXXX company, and to date, all XXXX of our Bank XXXX remain frozen. After speaking with the Agent for the Plaintiff, XXXX several times today, he faxed to me the signed XXXX order ( which was signed by my husband on XXXX XXXX, 2016 ) along with the confirmation that it was sent. For 7 days our account has been frozen. All of our paychecks, and other monies are unavailable to us, leaving us without money for food, gas, or the ability to provide for our XXXX for XXXX. Because of BOA 's refusal to resolve this matter in a timely fashion, it has cause undue hardship on my family and crippled us both financially and emotionally at a time when we should be celebrating this joyous holiday. We are unable to pay anything and have to borrow money just to keep our heads above water. Please help us resolve this issue. This is the second time BOA has frozen our accounts. The first time they had our accounts frozen for XXXX hours with no explanation or apology. Please help! We are in a dire situation.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Equifax is still reporting XXXX tax liens ( public records ) that should be removed from my credit file. I have disputed this with them several times over the last year, sending them IRS forms 10916 ( Withdrawal of Filed Notice of Federal Tax Lien After Release ) for EACH tax lien for proof that these need to be removed from credit file promptly. Just recently, they removed XXXX of the XXXX tax liens, however they are STILL reporting XXXX of the liens. Please see the attached IRS documents supporting that these tax liens legally need to be DELETED from my credit file. Tax Liens that need to be deleted below : Case No : XXXX / SN : XXXX XXXX XXXX - XXXX XXXX XXXX, FL Case No : XXXX / SN : XXXX XXXX XXXX - XXXX, FL Case No : XXXX / SN : XXXX XXXX XXXX - XXXX, FL Case No : XXXX / SN : XXXX XXXX XXXX - XXXX, FL Case No : XXXX / SN : XXXX XXXX XXXX - XXXX, FL
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was charged {$3.00} by XXXX on my XXXX XXXX XXXX credit card ending in XXXX. Unfortunately, there was a glitch in the XXXX XXXX app and my AutoPay was not set up as it was and because of this, I carried that balance, which generated interest and late fees for a total of {$12.00}. 

The problem is that in XXXX my account was marked as delinquent, and that's when I found out what was happening. So I proceeded to pay immediately what I owed ( including interest and fees ) but that delinquency marked on my credit history, dropped my credit score by 70 points, and it is really affecting my credit situation that I've worked for years to keep on an outstanding condition. 

I called XXXX XXXX to explain this and they told me I have to send a letter to their po box to try to get this fixed but a customer representative told me today on the phone that won't be possible to get repaired. 

That is why I'm opening this complaint with CFPB to help me since this was an honest mistake, I already paid what I owed. It is such a small amount that it will be a shame that for such a small amount I get my credit score and history damaged for life. 

I'd really appreciate your help with this.