23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Problems started in XXXX of XXXX when Mr. Cooper bought the rights to service my mortgage from XXXX  XXXX XXXX. My mortgage was just getting ready to come out of pandemic forbearance. XXXX  XXXX XXXX sent me loan modification to fill out and return to XXXX  XXXX XXXX before XXXX of XXXX. All paperwork was returned to XXXX  XXXX XXXX signed and dated before XXXX XXXX. XXXX  XXXX XXXX sent the paperwork to Mr. Cooper. XXXX was received by Mr Cooper XX/XX/XXXX, according to a call center employee at Mr. Cooper. Mr. Cooper failed to process my paperwork. In XX/XX/XXXX Mr. Cooper sent me a letter saying they would not offer me a loan modification, Mr. Cooper stated I had not filled out and returned the required paperwork, Mr. Cooper never sent me any loan modification paperwork, all loan modification paperwork was sent by my previous loan servicer, XXXX  XXXX XXXX which was forwarded to Mr. Cooper who admitted receiving said paperwork. Mr. Cooper had also sent a representative to snoop around on my property, which makes it appear Mr. Cooper was going to illegally try to foreclose on my property. I contacted the MHDC, Missouri Housing and Development Commission to apply for a grant from the SAFHR program to pay off my forbearance, SAFHR approved my grant and sent the funds to pay off my forbearance to Mr. Cooper. Mr. Cooper has received the grant money in XXXX of XXXX, but did not use it to pay my forbearance, they put that money into " unapplied funds, Mr Cooper phone employees have been kind and tried to be helpful, but nothing ever changes or gets accomplished. Mr Cooper phone employees have " escalated '' my account multiple times over the past year and a half but nothing has changed, and Mr Cooper has never contacted me by mail or email to get this matter resolved. It has caused me many sleepless nights worrying about my property and home. This illogical mess also caused my to miss out on refinancing when rates were at XXXX percent. In XX/XX/XXXX Mr. Cooper sent a false statement to my homeowners insurance stating my home was unoccupied, I have resided on this property and in my home for 20 years now. Hopefully Mr. Cooper won't fail to pay the homeowners insurance from the escrow like they are contracted to do. 
Sorry for the long read. 
XXXX XXXX ps hope you have better luck with Mr. Cooper than I have.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputes with Experian about the information on my credit from XXXX XXXX. As stated before I called and requested the service be turned off it was never done but they continued to bill me.Experian has left this on my credit report and has damaged my credit. XXXX XXXX  has been sued by the FTC along with law enforcement agencies from at least 6 states. The XXXX  has received 7,066 complaints in the last 3 years and 790 in the last 12 months for the same issue I have complained about.and yet Experian still has yet to act on my complaint. XXXX XXXX has a F rating. I have disputes with XXXX about the information on my credit from XXXX XXXX. As stated before I called and requested the service be turned off it was never done but they continued to bill meXXXX has left this on my credit report and has damaged my credit. XXXX XXXX  has been sued by the FTC along with law enforcement agencies from at least 6 states. The XXXX  has received 7,066 complaints in the last 3 years and 790 in the last 12 months for the same issue I have complained about.and yet XXXX still has yet to act on my complaint. XXXX XXXX has a F rating .I did pay the bill after being harassed while my son was in the hospital for a XXXX XXXX I was told that once I paid the bill it would be deleted from my account by XXXX XXXX representative that was never done. This should have been deleted off my credit when I disputed it. The two credit did not investigate this complaint seriously if they had they would have seen the XXXX  warning that included this statement On XX/XX/2019 and XX/XX/2019, XXXX attempted to contact XXXX XXXX XXXX regarding a high volume and pattern of serious complaints. XXXX received complaints in the alleging customer service issues, missing appointments, decline in services previously handled by other providers who XXXX has assumed, billing issues including additional service charges for periods once the consumer has cancelled services.which was my main complaint that I called and asked for the service to stopped and it was never done and they continued to bill me. No one was in the home at the time we were in another state for my sons XXXX XXXX
Product: Credit card

Unknown party from Georgia, XXXX address obtained Visa Sportsman credit card with {$2000.00} credit line, made purchases, and set up payment with Comenity Bank in XXXX which was declined. Comenity Bank then began campaign to call me demanding payment for a card I never heard of, nor ever had. I live in North Carolina. The first representative I spoke with from Comenity Bank said she could see where someone had opened the Comenity Bank account, set up the NSF payment for the {$2000.00} plus charges they put on the card. When she put me on hold, and disconnected, she never called back. A second Comenity Bank representative called a week later wanting 3 months payment. He also could see the account came from a fraudulent account. I was put on hold again and disconnected. Now Comenity Bank is reporting late payments on my credit report. Please help remove this fraudulent activity from my credit. The Sportsman Visa was piggybacked off of my Breadcash credit card which is a card I pay as agreed, on time. Thank you. XXXX XXXX
Product: Debt collection

I contacted Wakefield and Associates in XX/XX/XXXX regard a medical bill the put on my credit. I was told that they received the payment and that it would be taken off my account. It was taken off but put back on XX/XX/XXXX. I contacted the company and was told my account was closed and that they couldn't do anything about it reporting to my credit cause they didn't see it being reported. I tried disputing it on my XXXX and XXXX report. I was deleted from my XXXX report but they updated the balance on my XXXX report from {$600.00} to {$700.00} oweing. This debt was paid by my medical insurance and should be off my credit.
Product: Debt collection

On XX/XX/XXXX and again on XX/XX/XXXX, I received a notification from my credit monitoring phone application that I had a collection added to my XXXX and XXXX report for a debt in the amount of {$1500.00} to an NCA. First, I have not received one communication written or otherwise from NCA concerning this alleged debt to date to rightfully and strenuously dispute. Secondly, this debt was paid in full to a company named Ad Astra ( File # : XXXX Speedy Cash ) in XX/XX/XXXX, via ACH from my XXXX XXXX XXXX account XXXX XXXX XXXX, hence the reason the debt was deleted from all three of my credit bureau reports over two years ago. The information that is reported on my reports from NCA is flagrantly in error and in violation of the FCRA and FDCPA.
Product: Credit card or prepaid card

I applied for a Chase United Explorer mileage plus credit card with the promotion of XXXX mile points and XXXX off my plane ticket I purchased. I did this on XX/XX/2019. I received my statement for the amount of the original purchase price of the ticket. No discount at all. I called them several times to try and fix the problem. I was told the offer of XXXX mile points and XXXX more is what I received. That is not was the advertised promotion was when I applied for the card. I told her that's what I wanted. She then tells me that's a downgrade offer and she can't do that. What they gave me was a better offer. It's better for them if I spend XXXX dollars on a credit card. I absolutely feel this is fraud on their part. False advertising!! I cancelled the card. I still think they owe me the XXXX off that was advertised when I signed up for the card.
Product: Debt collection

An individual is impersonating a medical collection agency, Paragon Revenue in XXXX. He called about outstanding debt, wasn't sure how or why he had this information, and when we tried to clarify the information, he asked for social security and other personal information. 

We said we'll call back. He said ok. We did later, and he didn't know what we were talking about, and asked for our personal information again. When we said we didn't want to share that info, he told us that he's busy and needs to go and hung up on us.
Product: Debt collection

I just received a collection notice from Heartland Resolution Group dated XX/XX/XXXX for a sate of service XX/XX/XXXX from XXXX XXXX XXXX. All my medical bills received for that date of service were paid back in XXXX. I had no outstanding accounts. Additionally, I have not received anything until today about this. It's been over 10 years. I would like assistance looking into this claim to 1. make sure it is not fraud, but 2. also dispute this claim as the service was over the statute of limitations for NJ of 6 years. The amt is XXXX, but the comments say I have an opportunity to pay only XXXX. Something does not seem right here.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX thru XX/XX/XXXX XXXX XXXX XXXX is reporting inaccurate information to credit reports ( XXXX XXXX XXXX  equifax, for a car loan. The account was closed on XX/XX/XXXX and the balance is increasing as of XX/XX/XXXX while it was included in the Bankruptcy filing by XXXX XXXX XXXX, at XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX.
Product: Consumer Loan

EXEMPT PROPERTY ( AUTOMOBILE ) WAS INADVERTANTLY INCLUDED IN DISCHARGE OF CHAPTER XXXX BANKRUPTCY ON XXXX XXXX 2015. THE AUTO LOAN WAS PAID CURRENT UP UNTIL THE DATE OF FILING THE BANKRUPTCY FOR REASONS UNRELATED TO THE AUTO LOAN. UPON DISCOVERING THE AUTO LOAN WAS DISCHARGED IN ERROR, I CONTACTED ALLY FOR RESOLUTION AND WAS KINDLY REQUESTED TO SURRENDER THE VEHICLE AS PART OF THE BANKRUPTCY REQUIREMENTS. I SURRENDERED THE VEHICLE AS REQUESTED. RECENTLY I HAVE DISCOVERED A CONTINUED INACCURACY OF INFORMATION ON ALL THREE OF THE MAJOR CREDIT REPORTING AGENCIES FROM ALLY FINANCIAL WITH REGARD TO THE STATUS OF MY AUTO LOAN THAT WAS DISCHARGED WITH A VOLUNTARY SURRENDER OF THE COLLATERAL IN THE CASE THAT WAS CLOSED ON XXXX XXXX, 2015. THESE REPORTING ERRORS FROM ALLY FINANCIAL HAVE CAUSED SIGNIFICANT DAMAGE TO MY FINANCES, CREDIT AND ABILITY TO HAVE A FRESH START AFTER THE CHAPTER XXXX DISCHARGE RESULTING IN FURTHER DAMAGE TO MY LIFE ( I CURRENTLY AM WITHOUT A VEHICLE DUE TO INCORRECT REPORTING OF MY CREDIT STATUS WITH THE DISCHARGED AUTO LOAN -- BANKS WILL NOT FINANCE ONE VEHICLE FOR MY FAMILY BECAUSE THIS REPORT TECHNIQUE IS VIEWED AS A REPOSSESSION AFTER BANKRUPTCY DISCHARGE ).
Product: Mortgage

On XX/XX/XXXX I set up a recurring payment. It was cancelled. On XX/XX/XXXX I tried to set up another recurring payment and received the following error message : See attached. Why is it stating I am in forbearance? This account is not in forbearance and I have a letter from several months ago stating so. Your website portal for customers has many software engineering bugs that need to be fixed. Fix it.
Product: Checking or savings account

I was told in the Citibank online advertisement ( that applied by clicking through ) I would earn {$400.00} when I opened a new checking and savings account in the Citi Account Package and complete the following requirements : Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days. Bonus will post within 90 days from the date you complete all of the requirements. 

I opened the accounts on XX/XX/XXXX and the money was deposited into the accounts on XX/XX/XXXX. This was 10 days after the account opening, well within the 30 day requirement. I deposited {$15000.00} into the checking account and {$100.00} into the savings account ( on XX/XX/XXXX ), thus meeting the total and individual account amount requirements as well. I left the money in these accounts until XX/XX/XXXX not using or moving any of it. On XX/XX/XXXX I withdrew {$2000.00} from the checking account. Thus the money was in the accounts at the proper amounts for longer than the 60 day requirement ( XX/XX/XXXX-XX/XX/XXXX ). The account is still to this day open and in good standing yet I have not received the bonus that should have posted at the end of XX/XX/XXXX ( around XX/XX/XXXX is 90 days after I met all of the requirements ).

I chatted online with a Citi customer service representative on XX/XX/XXXX. He said that I was owed the bonus and should have been paid in XX/XX/XXXX ( I took a screenshot of him saying this and attached it below ), he said that he was issuing a ticket and that Citi would get back to me within 2 business days ( also screenshot and attached below ). I have still heard nothing from them. I then contacted Citi customer service again this past Friday and he said that there was nothing he could do but have my issue expedited. I still have not heard back from Citi and still do not have the {$400.00} bonus. My statement just closed again on XX/XX/XXXX and I was hoping the bonus would be in the account then but it was not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the company and the advised me to contact XXXX for removal ; When contacting the XXXX they advise me to file a identity theft on XXXX. I sent XXXX, XXXX and Equifax the report and additional documents and they advised the amount from XXXX XXXX XXXX Balance {$25000.00} XXXX XXXX XXXX Balance {$1800.00} XXXX XXXX XXXX Balance {$2700.00} fraud accounts will be removed i submitted all documentation and they close the investigation stating everything was verified as accurante.
Product: Credit reporting or other personal consumer reports

I recently viewed a copy of a credit report, and I noticed there are unauthorized credit inquiries made by the companies listed below. 

To my knowledge, I have not signed any documents authorizing the companies in question to view my credit report. The listed Inquiries were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Report Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and remove these fraudulent inquiries from my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Accordance to the fair credit reporting act XXXX XXXX XXXX, acct # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. Shows I have a right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : it's also shows a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

To Council FFIEC, - OCC Administration of National Banks U S Department of the Treasury as well Director Of FDIC, - CFPB, - OTS Authorities -. 

Dear Council FFIEC and all respectfully authority ; Who are dealing with all kind of issues that stated : Excerpts from Home Mortgage Disclosure Act 12 U.S.C. & 2801. CONGRESSIONAL FINDINGS AND DECLARATIONS OF PURPOSE ; Excerpts from S.A.F.E. Mortgage Licensing Act 12 U.S.C. & 5101 Purposes and methods for establishing a mortgage license system and registry. 

The Council that it may concern, in charge for the two years in this difficult responsibility that have to investigate and put the valuable and neutral arbitrations as well to divided responsibilities to it may concern too. 
The Excerpts and acts above, was created, in order to increase uniformity, reduce regulatory burden, enhance consumer protection, and reduce fraud, the States, through the conference of State Bank Supervisors and American Association of Residential Mortgage Regulators, are Hereby encourage to establish a Nationwide Mortgage Licensing System and Registry for the residential mortgage industry that accomplishes all of the Council FFIEC Objetives and the rest of Federal and State Government. 
With All due respect I whiting this latter with all my hope that I was in the correct Track, nevertheless I would like to include all others instances that I was asking for their responsable matters as : OCC Administration of National Banks U S Department of the Treasury as well Director Of FDIC, - CFPB, - OTS Authorities -but sadly they till to day are really confusing due that the wells Fargo Home Mortgage XXXX XXXX XXXX Wachovia Bank XXXX XXXX XXXX Texas, XXXX XXXX XXXX XXXX XXXX XXXX Texas too , as the Agencies that was created to regulate the traketed, fraudulent bribery and terrorized mob of banks, but just pretend deal with as correspond, but only were adding forces, and they became the executed with out mercy. 
till today i sent complains to CFPB XXXX/XXXX/XXXX, XXXX # XXXX XXXX XXXX/XXXX/XXXX # XXXX XXXX/XXXX/XXXX # XXXX XXXX # XXXX XXXX # XXXX OCC XXXX/XXXX/XXXX complain XXXX/XXXX/XXXX # XXXX XXXX/XXXX/XXXX # XXXX # XXXX FDIC XXXX/XXXX/XXXX sent complain email XXXX/XXXX/XXXX [ XXXX ] FDIC XXXX mail I am really but the OCC sent me to FDIC, and the FDIC sent me with CFPB, and stars email FDIC XXXX [ XXXX ] they resent me to CFPB and these ones state by phone that it does n't have any letter from FDIC XXXX [ XXXX ]. And also by phone i received the advise by advocates of FDIC that also i can notify to FFIEC as well OIG, Ombudsmen and General Attorney and maybe with this proof i can finally be in the correct track in this issue of preventive fraud and it can b seriously investigated and at this point i am feeling threatened by phone and strange people came to my door and they do n't tell me who they are and do not want to tell me who they are and im sure that i am being victim of WFHM. With all due respect i beg for your interest and regulate this situation because perhaps you dont know me but you really know who Wells Fargo acts. XXXX/XXXX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am requesting a copy of my consumer report with ChexSystems. My name is XXXX XXXX XXXX my address is XXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX.
Product: Mortgage

Hi I 'm writing to complaint about Shellpoint Mortgage company. We are try to do a loan modification I through everything was going fine .I would call every 2 day to check on my loan I got no call back or your loan steel being processed. A few days ago someone from a Realtor company came to my house. Say we have to sign a paper a be out in 30 days. NO WORD FROM MY MORTGAGE COMPANY ABOUT THEY WAS SELLING OUR HOUSE .I HAD TO got To COURT HOUSE TO SEE WHAT WAS GOING ON. THEY NO ANSWER. NOW. HAVE TO A LAWYER .PLEASE HELP ME TO UNDERSTAND WERE I WENT WRONG. SO disappointed In My MORTGAGE COMPANY
Product: Credit card or prepaid card

Fraudulent charges of {$10000.00} over a period of 4 days with no communication from Citbank. 

Called to dispute charges, they have credited the majority of the amount but still trying to get them to credit the interest charge of {$120.00}. 

Have been trying to get this resolved the last couple of months get transferred between customer service, fraud dept, security dept and now collections dept who tells me they can only collect the amount and get kicked back to the other departments with no solution in sight. I have spent hours on this as I want to close this acoount also. 

I am hoping you can help me with this issue.
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 company XXXX that charged off my account did not issue a XXXX for 2023 and has reported the charge-off twice, which is clearly inaccurate and XXXX has yet to XXXX me a XXXX or verification of said charge off. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing 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 as a consumer.
Product: Checking or savings account

I received a personal check from family member for {$9000.00} for purchase of a vehicle. Hold was placed by bank saying that funds would be available BY XX/XX/year> at XXXX XXXX. On XX/XX/year>, bank account says funds will be released AT XXXX XXXX., essentially meaning that Bank of America is keeping funds for additional day. Funds cleared family member 's account at least 2 days prior. Bank of America is holding funds hostage ( has funds from other account but is not placing them in my account ) to use for unknown reasons. When asked why the release changed from BY to ON, customer service was unable to provide answer, only saying that that was handled by back office, which is unreachable by the public. I suspect BoA uses funds ( which again have been taken from family member 's account and not deposited into my own account ) for their own purposes and to gain interest when they should be deposited into my account. They have the money that they have taken from the other account and should honor the original statement on deposit slip ( BY XXXX XXXX. ) instead of changing it day-of to AT XXXX XXXX, essentially making the money inaccessible to me for another business day.