23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/2014, we applied for a modification because our interest rate was 7.00 % on our first and 9.875 % on our second and we were going through some tough times and were trying to save money where we could. We did not have escrow at the time. Our loan was originated with Country Wide and then moved to Bank of America. We were not behind on our payments nor had we ever missed payment of taxes or insurance. At the time, we were not eligible to refi because the property value was lower then the loan balance. Bank of America added escrow and told me that if I could make three months of trial payments then they would look at combining my XXXX and XXXX, include escrow and lower the interest rate. I was also told that if I did not agree to the modification proposal that I could decline and my loan would go back to the way it originally was. We made the modification payments but when the modification proposal was delivered, my XXXX was still at 7.00 % and XXXX was still at 9.875 %. The only thing that changed was the added escrow. Since this did not benefit me in any way, I declined the modification on XX/XX/XXXX in writing. The relationship manager said to go back to making our prior payments which was {$500.00} less and the escrow account would be deleted in about 10 business days. I continued to follow up with my relationship manager because I started to get delinquent notices and he continued to tell me it was fine and that they were still working on it. I have clocked over 18 hours on the phone with BOA throughout this process. After XX/XX/XXXX, BOA told me we owed for taxes {$4200.00} and then they could delete the escrow. We paid that in XX/XX/XXXX. Then in XX/XX/XXXX they said we just needed to pay then {$4200.00} because we were behind on payments, even though we had continued to make our pre-modification payments. Once we did this, they would remove escrow and put our loan back to the way it was and refund {$2000.00} to us. We paid that and now they say they can not fix the account because we have not made our payments on time for the last 12 months. So now we have a bunch of late fees, our credit report is showing 30 and 60 day lates and we are stuck with escrow. Before this, we had never had 30 day lates. Now that home values have increased, I still ca n't refinance because our credit is reflecting negatively with our mortgage. We were promised that our loan would be fixed, our credit would not be affected and we would not be penalized for making the original loan payments with late fees once the loan decline was received by multiple people, including our relationship manager. I have talked to many people at Bank of America and am getting nowhere. I also filed a complaint with the OCC. I am worried that I may lose my job because of the negative information on my credit report. I also work for a bank and as a Loan Originator I am responsible for using my person credit responsibly.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN WORKING WITH EXPERIAN FRAUD TEAM TO REMOVE THIS XXXX XXXX ACCOUNT OFF MY CREDIT FILE. I HAVE SENT IN DOC FROM XXXX XXXX XXXX SEVERAL TIMES AND EVEN TALK TO THE OFFICE OF THE CUSTOMER AFFAIRS, I HAVE NEVER CO SIGNED FOR ANY XXXX XXXX ACCOUNT ONLY USED MY XXXX # TO PURCHASE ONLY UNDER MY BUSNIESS CREDIT ONLY. I CALLED TODAY AND TALK TO A SUPERVISOR IN THE FRAUD DEPARTMENT AND HE WAS NO HELP AND SO RUDE AND TOLD ME I WAS SCREWED AND TO GO TO XXXX WHEN I ASKED HIM TO CONNECT ME TO THE SPECIAL HANDLING FRAUD TEAM. I ASKED AGAIN TO CONNECT ME AND THEN HE STATED GO TO XXXX AND I ASKED HIM YOU KNOW THIS CALL IS RECORED AND HE STATED HE DIDNT CARE HE RUNS EXPERIAN. THEN THE SUPERVISOR HUNGUP ON ME. I DIDNT WANT TO THIS ACCOUNT DISPUTED AS FRAUD I WANTED THIS ACCOUNT REMOVED AND BLOCKED PER THE LETTER I SENT THEM FROM XXXX XXXX XXXX RELATIONS. I TOLD HIM SEVERAL TIMES TO STOP THE DISPUTE ASAP AS FRAUD THE SUPERVISOR TOLD ME TO GO TO XXXX. NOW IM A SENIOR AND IM LOSING LOAN CLOSING BECAUSE OF EXPERIAN NOT LOOKING INTO THIS MATTER AND ALWAYS TAKING XXXX XXXX SIDE. I WILL SUE EXPERIAN LIKE I DID BACK IN 2019 AND WON FOR THE SAME ACTUALLY PROBLEM IM GOING THROUGH NOW. I WANT THIS ACCOUNT REMOVE NOW AND BLOCKED BECAUSE THE OFFICE OF THE CONSUMER AFFAIRS STATED THEY WERE GOING TO REMOVE THE COMMENTS SAYING CHARGED OR WROTE OFF AND ONLY LEAVING PAID IN FULL. BUT LIKE XXXX XXXX STATED IVE NEVER CO-SIGNED FOR ANY ACCOUNTS WITH XXXX XXXX AT ALL. SO HOW IS THIS ACCOUNT OF MY CREDIT FILE AND EXPERIAN DOES NOTHING. I WILL FILE SUIT XXXX XXXX IF THIS ACCOUNT ISNT OFF OR UPDATED TO PAID IN FULL AND NEVER LATE WHICH WHAT THE LETTER STATES.
Product: Credit reporting or other personal consumer reports

It has been going on sice XXXX I have requested XXXX XXXX and innovis to help me none want to really help they say investigating issue never get to the issue and then they state its been verified with out any remarks or anything not even a written response I am run down already please help me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquirires that I did not request for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to dispute the accuracy and validity of a charge-off account that has been reported on my consumer report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to accurate and complete information in my credit reports. I believe the information regarding this charge-off account is inaccurate and/or incomplete, and I request an immediate investigation into this matter. 

XXXX XXXX Account # : XXXXXXXX XXXX XXXX Account # : XXXX XXXX XXXXXXXX. Account # : XXXX Applicable Legal Basis for Dispute 1. Verification Requirement ( 15 U.S.C. 1681i ) : - The FCRA mandates that all disputed information be verified within 30 days of a consumers dispute. If the information can not be verified, it must be corrected or deleted.

2. Obligation of Accuracy ( 15 U.S.C. 1681e ( b ) ) : - Consumer reporting agencies must ensure maximum possible accuracy of the information in consumer reports. The inaccurate or unverifiable information regarding the charge-off account violates this requirement.

3. Re-Aging of Debt ( 15 U.S.C. 1681c ) : - The FCRA prohibits re-aging of old debt. If the date of first delinquency is inaccurately reported, the charge-off may appear on my credit report longer than the allowed 7 years.

4. Validation of Debt ( Fair Debt Collection Practices Act, 15 U.S.C. 1692g ) : - Under the FDCPA, if the debt is being collected by a third party, I have the right to request validation of the debt, including proof of ownership and the amount owed. If the creditor or collection agency can not validate the debt, it must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes to each on of the credit bureaus : XXXX, Experian & XXXX  and they have yet to respond to me or provide results. I do understand there is a pandemic going on, but they are still required to provide results under the law. They are reporting errors on my credit file and they need to respond to disputes. There are multiple erroneous spellings of my names and socials listed on my credit file that i need removed ASAP
Product: Mortgage

My Grandmother XXXX XXXX due to XXXX XXXX XXXX and now the property is being XXXX on. Need help resolving this issue with more information from the banking institution.
Product: Credit card or prepaid card

On XX/XX/XXXX or XXXX, XXXX, I went into XXXX XXXX XXXX XXXX  XXXX and worked with XXXX who completed an application for a balance transfer from the following : XXXX XXXX XXXX Amount due on the account as of today, XX/XX/2021 : {$12000.00} The goal was to move my debt from XXXX to XXXX. XXXX took extra time to confirm her log in, talk to a colleague to make sure a balance transfer was an option and find the place in her documentation on where she needed to click or go to make it happen. I have 100 % confidence that XXXX completed the application properly. 

On XX/XX/2021, I received an email saying I was approved and would get cards and info in the mail in 10 business days. On Friday, XX/XX/2021, I received the cards in the mail. 

On Monday, XX/XX/2021, I called the number to activate the cards and listened to the balance, expecting to hear that I had a balance of {$12000.00} due and the new due date. I was shocked when it said the following : Available credit : {$5900.00} Balance due : {$0.00} I immediately called the customer service number at XXXX. I spoke to XXXX and asked to speak to a supervisor. 

XXXX, a supervisor for First National Bank of Omaha got on the phone and I explained they had made a mistake. My application was for a balance transfer and not new credit. If I wasn't going to be approved to transfer the {$12000.00}, I would have expected to be notified and then given the option to not take the partial credit amount or to choose to transfer the partial balance. He said he didn't see anything that said balance transfer on the documents. I explained they have made a mistake somewhere. 
XXXX. 

I then asked XXXX for a callback to advise what they were going to do to fix the problem and he said he doesn't do callbacks and just can cancel the card. I told him my credit would be adversely affected by opening a card and then cancelling it immediately and they need to either increase my limit so I can transfer the balance of over {$12000.00} from XXXX or they need to cancel the card and pay to fix any error or issue that adversely affects my credit report and make it whole again. XXXX said " I am sending this to the concerns department. I don't know what they will do or if they will reach out. '' How do you improperly open a credit card account and then not follow up with someone when there is a complain about it? 

The call was started at XXXX CST. They came on the phone at approximately XXXX CST and the call occurred on XX/XX/2021.
Product: Checking or savings account

Bank account frozen due to banking error. Will not give me any money from either of my accounts. Tried to resolve at branch and was told sorry we cant help you and well give you your money when we feel like it. All over an address change. It is a lot of money
Product: Debt collection

In XXXX XXXX I leased a refridgerator from XXXX. Shortly after I started having problems with the fridge/freezer getting too warm or too cold and ruining much of my foods. After constantly throwing out food I contacted XXXX and they instructed me to call XXXX because i didnt get an extended warranty plan with them, therefore XXXX would have to service my refrigerator. XXXX gave me XXXX phone number and I called relentlessly over the course of a month but no answer, so I called XXXX back and they gave me another number for XXXX which I called for weeks with no answer. I called sears yet again and the manager instructed me to call XXXX XXXX XXXX XXXX because there was nothing more they could do for me. I called XXXX XXXX XXXX XXXX and explained what was going on and i was given yet another number for XXXX which i called faithfully for several weeks and no answer, so I called XXXX XXXX XXXX XXXX again and spoke with another rep. explained the situation and he said i should of reported it within the 1st 30 days ; I explained I report the problem when it occurred. He said if a freezer/fridge is getting to cold or too hot then someone has been in the back of it messing around with the coils or panels. I said that was ridiculous I dont know the first thing about fixing refrigerators and would never attempt to fix it. He said oh no we dont fix merchandise you damaged and i repeated I didnt damage it or go in the back messing around with the fridge. When I was getting the fridge from XXXX and XXXX XXXX XXXX they told me the refrigerator would be serviced by XXXX for the duration of my lease if something goes wrong. When I desperately needed help I they failed me and I got the run-around from both. A refrigerator is one of the most important appliance in a house to anyone and to be without one yet again and still paying and getting treated as I was when i faithfully fulfilled my end of the agreement as you will see in the documents i will send. I stopped making payments and told the rep they are in breach of contract stopped payment. Now XXXX has closed absolving them of any responsibility. I have given XXXX and XXXX XXXX XXXX {$1300.00} to date the original cost of the fridge was {$550.00}. Now they are sending collectors after me for {$1000.00} they should bow their head in shame and apologize they truely hurt me. I wasted time grocery shopping, money and only to have it ruin. May they too go out of business as XXXX.
Product: Credit reporting

I tried almost a month ago to file a complaint against Transunion for not allowing me online access to dispute some information on my credit report, it remains the same. I called to dispute over the phone on XXXX/XXXX/2016, she gave an XXXX name that I can not pronounce or even try to spell. I gave information regarding the collection accounts I was disputing but when we got to the inquiries I was told I would have to contact these companies to have them removed and she would give me contact information for each company. There are numerous inquiries on my account and feel contacting the companies are a part of the investigation process. If I did not request anything to be run against my credit report, why am I the one calling, I do n't know these people, trying to relay this information is so difficult when talking with an unknown company and how am I to be guaranteed they will be removed by Transunion. Transunion is SO difficult to work with. If I had a choice to not use them, I would not. I just want to clean up my credit to reflect what I DO, not anyone else. I have recently learned that my internet had been hacked and found numerous log in attempts from several " supposed countries ''. I had noticed many inconsistencies with my email and at one point was not receiving voicemails on my phone for the phone company to tell me my voice mails were being forwarded to another number. These credit bureaus being so difficult to work with, can cause bad credit. I work full time and do not have all day to call these companies, I have XXXX credit bureaus to deal with and so far only Transunion wants me to do the work for them.
Product: Credit reporting or other personal consumer reports

I have just obtained a copy of my credit report and noticed the following errors. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I do not have a contract with this company. Under 15 US Code 1681 C-2, Block of Information, it states me as the CONSUMER deem any account inaccurate, that account needs to be BLOCKED and REMOVED within 4 days of XXXX has been 6 months! XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, This is an inaccurate account and needs to be DELETED from my credit report as soon as possible. Section 604 15 US Code 1681 B states nothing should be reporting on my report without my written consent! This is another violation. I have attached documentation as from the fraudulent collection response STATING TO HAVE THIS DELETED as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've filed several disputes with the credit bureau and even after Ive placed a credit freeze on XXXX. I contacted XXXX  and they stated that they havent verifed any information since the credit freeze. I went back and requested to know where they verified and they told me thru the bankrupcy court. So I called them and they stated they dont verify or give out information to third party. The agent hung up on me several times and refuse to properly remove this off my credit.
Product: Credit reporting or other personal consumer reports

These accounts were opened in my name without my knowledge and continue to damage my personal character and financial well-being. Pursuant to the FCRA, credit reporting agencies are obligated to block fraudulent information within four business days of receiving proper documentation. It is clear that you have failed to fulfill this legal responsibility. The derogatory marks are XXXX XXXX XXXX : {$1600.00} : Open : XX/XX/XXXX XXXX XXXX : {$3000.00} : Open : Unknown XXXX XXXX  : {$670.00} : Open : XX/XX/XXXX Hard Inquiry : XXXX  XXXX Based on the CFPB recent lawsuit against the unethical agencies for sham investigations of consumer disputes and improper reinsertion of deleted information, I am concerned that you may fail to meet your obligations under federal law. Inaccurate information has already negatively impacted my ability to obtain credit. I request that your agency to conduct a comprehensive investigation of the disputed accounts and inquiries, provide me with verifiable documentation, such as signed contracts, substantiating the legitimacy of the disputed entries, and permanently delete any fraudulent information from my credit report.

Failure to comply with the FCRA and other applicable laws will result in legal action, as seen in cases such as Wenger v. Trans Union Corp., No. 95-6445 ( C.D. Cal. Nov. 14, 1995 ).
Product: Mortgage

XXXX XXXX XXXXXXXX? XXXX & XXXX % XXXX % XXXX & XXXX LoanCare , LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX We have provided everything they have asked for them they come up with another excuse why they can't release our money.
Product: Student loan

I have been having issues regarding college Ave student loans I have two student loans, which aren't on default. I have been making regular payments however if I fell behind for 10 days I get harassment calls really unpolite not only me but also my cosigner. This bank not only calls me and my cosigner but also my mother that is not part of this contract. I never owe a monthly payment for more than a month. 

I have been trying my best to be a good customer however due to the situation I have a hardship so I have been trying to offer the bank different solutions to make a payment arrangement that can help me and help the bank to get the payments on time but the constant answer is no that I have to make a complete payment. 

As a today I have two different companies with student loans. with college Ave student loans I'm paying {$1400.00} dollars which is almost 50 % of my monthly salary. Thanks to this situation I am suffering from anxiety because I barely have money to survive. Please help me with this bank cause I don't know what to do all I'm looking for is to make a payment arrangement so I can pay a lower amount and not get this debt in default.
Product: Consumer Loan

yes ally bank was suppose too 2 weels ago send me forms in the mail for deffered car payment???? they are giving me therun around????? they were suppose too also fax theforms too??? plussend regular mail?????? very upset lied too????
Product: Debt collection

I recently discovered my Old Navy account was forwarded to a collection agency. I am disputing this matter, because I never received any calls, billing statement summaries, or Old Navy Card. 
I am only willing to pay for the purchases made on the account. 

Furthermore, I am requesting that this negative balance in reporting be removed from the collection agency and all reporting agencies. I do not want this to reflect any derogatory information. I would like my credit reopened for future credit purposes and all fees removed. 

Again, please note that I never received any calls, billing statement summaries, or Old navy Card. I am a XXXX XXXX  trying to establish credit and I do not want this to affect my present or future credit history. 

When contacting the financial institution I requested to speak with a manager three times. It was clear that he did not want me to speak to a manager. After insisting he later transferred me to a manager in recovery and he was very unhelpful.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

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

I am filing a formal complaint against XXXX for its failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681o, which establishes civil liability for negligence in non-compliance. 

On XX/XX/year>, I disputed a inaccurate credit report item ( charge off ) with Experian against UPSTART NETWORK INC. Despite my efforts, they failed to conduct a reasonable investigation, correct errors, and provide proper notice, causing financial harm and distress.

Under 15 U.S. Code 1681o, XXXX is liable for actual damages resulting from their negligence. Their non-compliance has negatively impacted my credit standing, leading to higher interest rates, loan denials, financial loss ]. 

I request the CFPB to investigate this matter and hold XXXX accountable for its failure to comply with the law. I also seek corrective action, including the removal of inaccurate information and compensation for damages. 

Please let me know the next steps and how this complaint will be handled. Thank you for your time and assistance.
Product: Credit reporting or other personal consumer reports

SOMEONE TRIED TO GET LOANS IN MY NAME, I NEVER GAVE ANYONE OR BANKS PERMISSION TO USE MY PERSONAL INFOR. TO APPLY FOR CAR LOANS AND INCLUDING BANKRUPTCY THAT DOESNT BELONG TO ME I NEVER APPLIED FOR BANKRUPTCY. FRAUDULENT INQUIRIES LISTED BELOW. ( XXXX XXXX; XXXX, XXXX, XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX