23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 someone fraudulently applied for a XXXX  XXXX credit card. I reached out to XXXX  XXXX and they stated I should submit a dispute to the credit bureau in order to have the inquiry removed. I submitted a dispute with all 3 bureaus. Equifax has completed XXXX disputes and will not delete the inquiry. If they do the proper investigation they will be able to receive the information to verify in fraudulent inquiry from XXXX  XXXX. XXXX has not opened a dispute or responded to any request.
Product: Checking or savings account

I made a mobile deposit to my USAA checking account with a bank check in XX/XX/XXXX. Half of the funds were put on hold and as of XX/XX/XXXX they are still on hold. This put me in a state of having insufficient funds to pay my automatic bills. When I called to complain they said the funds would not be available until XX/XX/XXXX.
Product: Mortgage

I closed a conventional home loan ( XXXX yr ) with XXXX XXXX in XXXX, the loan was transferred to be processed by NewRez in XXXX of XXXX. 

After my loan was transferred I am NOT ABLE TO access my loan online on NewRez.com or through the app, this is causing me inconvenience as I need to change online payment amount and bank, I have contracted XXXX customer service at least XXXX times in the last XXXX weeks -- they are completely clueless, incompetent and unable to fix. this problem I have send several emails to XXXX with my load details and haven't heard ANYTHING back NewRez needs to either fix this issue & give me monetary credit for my time, energy or transfer the loan to another processing company immediately ( by XXXX XXXX XXXX XXXX
Product: Debt collection

This account was open due to identity theft please delete it from my credit report
Product: Credit reporting

Credit Report Activity Expand All Collapse All New Debts in Collection Since your last update on XXXX XXXX, 2016, you have XXXX overdue debt that has been transferred or assigned to a collection agency. 
Debts reported as in collection can severely impact your credit score, so it 's important to determine how to resolve these debts as soon as possible. 
Debt Collector Original Creditor Balance Owed XXXX XXXX {$37.00}
Product: Credit card or prepaid card

I logged a complaint with you : XXXX. Chase received it and sent a letter to me about it back in XXXX. It is now XXXX and I have heard NOTHING SINCE. I contacted them and left messages and no one responded and the general line claims they can not patch me through because that department doesn't have phones, which is an outright lie, since they provided me with their number, which they never answer. 

I JUST WANT MY MONEY BACK!!!!
Product: Mortgage

Contacted PPH/ XXXX XXXX several times to provided them with the payment information that they states they did not received PPH states that I'm more that five months behind in mortgage payments. When they provided me the mortgages payment that were missing I provided them a copy of the cancel check from the XXXX XXXX XXXX XXXX it provided documentation showing that the payment from XX/XX/2020, XX/XX/2020 XXXX, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 had cleared the bank and was posted to PPH account .I faxed then a copies of the return checks, and when I call to confirm I just get the runaround and they refused to provide credit for those payment that they stated were missing. PHHXXXX XXXX XXXX refuse to provide me a copy of my new escrow account when I made the request. PPH is not providing me with information regarding who holds the title to my home. 

I was approve forbearing, yet I have not been provided with any information regarding this process and how it work. When I contact the company I an mot given truthful information nor is any of my request being process. The company will not given information as to the name of the company is it PPH or XXXX XXXX. 

This company is very deceptive and does not take the XXXX American serious and we are being treated different form the non XXXX. I have tried to work with this company for months as of today I have not gotten any of my concerns addressed. The plan for the is comply would be to force its XXXX client into forecloses and take their homes. No, real information is available on line in your account, their is no way of gaining information on this account through the internet. Please assistant provide answers to my concerns that are not being addressed by the mortgage servicing company
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX Date Reported - XX/XX/2018 Payment Status - 120 Days Late Account Status - Transferred Account Type - XXXX XXXX XXXXIndividual Original Loan Amount - {$16000.00} has violated my rights. 

1

5 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
Product: Mortgage

My name is XXXX XXXX, phone number : XXXX, XXXXXXXXXXXX. 
Address : XXXX XXXX XXXX XXXX XXXX Michigan, XXXX. 
My complaint : Current mortgage is with Chase Bank : 5.73 % monthly cost : XXXX, Balance : XXXX I tried refinancing my mortgage with XXXX Mortgage : Problem unfairly calculation with high than normal closing cost. 
Chase XXXX to XXXX hard check on credit to reduce credit rating to offer a higher mortgage rate. 
I am very disappointed with the process which should be quite simple since I currently paying my mortgage with a higher cost and interest rate : So what is the problem?
Product: Credit reporting or other personal consumer reports

This letter serves as a formal and urgent demand for the immediate blocking and permanent removal of fraudulent items that are currently being reported on my credit file. The following fraudulent items were illegally placed on my report as a result of identity theft : These items are unlawful and have caused significant and measurable harm to my financial life, obstructing my ability to obtain basic needs such as housing, credit, and other essential services. You are required by law to act swiftly and in full compliance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ).

Your Legal Obligation Under Section 605B, once you are notified of identity theft and provided with supporting documentation, you are legally bound to block the fraudulent items from my credit report without any further investigation. You have no discretionary power to delay or dispute this process, and any failure to comply constitutes a willful violation of federal law. 

I am providing the following documentation, which unequivocally establishes my identity theft claim : FTC Identity Theft Report Social Security Government-issued identification Proof of address You are now legally obligated to remove these items from my credit file immediately upon receipt of this letter and the accompanying evidence. Failure to act within the legally mandated time frame of four business days will result in formal complaints filed against you with the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ), as well as potential legal action to enforce my rights under the Fair Credit Reporting Act. 

Furthermore, should you continue to report these fraudulent items, you will be liable for statutory damages, as well as any actual damages I have suffered as a result of your non-compliance, including but not limited to attorneys fees and punitive damages for willful violations.

Immediate Action Required I expect immediate confirmation that you have fully complied with your obligations under the FCRA. This includes the permanent blocking and removal of the fraudulent information from my credit file. This matter must be resolved within five business days of your receipt of this letter, or I will proceed with legal and regulatory actions as stated above. 

Thank you for your prompt attention to this urgent legal matter. 
Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The company 's response is not factual. My initial agreement ( attached ) in 2011 was with Kramer Linkie and Taylor, not XXXX XXXX and XXXX. As I stated, XXXX turned the account over to Nartey Law Group without notifying me. When my checks were retuned to me, I called XXXX and they answered the phone as Nartey Law Group. When I asked them about my account, they had no record of me or any payments. That 's when I decided I had better hire a lawyer. I then provided cancelled checks and we agreed to resume payments to XXXX, not XXXX. Then several months later, I received a letter from XXXX stating that they would garnish my account if I did not send them payments. I had never heard of XXXX. I then called XXXX and they told me the account was being handled by XXXX. I then called XXXX again and they said they had no record of me or any payments. I then called my lawyer again and we still do not have a resolution. I asked for a written confirmation from XXXX that clearly stated that my agreement was with them, not XXXX and that my payments would be properly applied and reconciled. I still do not have any confirmation, though I have continued to blindly make payments to XXXX because I do not want my account to be garnished and I do not want to incur more legal fees. I want two things : I want a copy of a written agreement transferring the account from XXXX and XXXX, and I want credit for {$1200.00} in legal fees I have incurred because of the incompetence or negligent handling of this account.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Student loan

Around XX/XX/year>, I was notified by an alert on EdFinancial that my student loans were on administrative forbearance. I contacted EdFinancial to determine why, and after three weeks, EdFinancial finally responded by email saying it was due to the XXXX plan. Upon researching, I found that EdFinancial had to put my loans on admin forbearance because, like many others, I never received a monthly billing statement after the COVID forbearance.

Additionally, EdFinancial had incorrect information and incorrectly placed me in to a different payment plan. As a victim of known name identity theft, it was concerning that EdFinancial had very false information about me. An agent was able to verify my correct information and place me back in to my previous payment plan.

Congruently, EdFinancial was charging interest and letting interest accrue on my student loans. This goes against the XXXX XXXX via memo in XX/XX/year>. During phone and email correspondences, EdFinancial agents were unsure how to handle the accruing interest and ensure that interest was removed during the administrative forbearance. 

I request that EdFinancial performs an audit on my student loans and deduct the accrued interested from the loans. Payments were made on the loans during the forbearance and additional interest may need to be deducted from the balance due to the interest being calculated and paid in lieu of appropriate principle only payments.
Product: Credit card or prepaid card

I bought two XXXX XXXX ( XXXX ) tickets through XXXX ( XXXX ). One for myself and one for XXXX years my granddaughter. I disputed the transactions as XXXX cheated about ticket price and their agent fees and also seat selection. XXXX resolved seat selection and I withdrew my disputes. 
XXXX split the PNR and cancelled my grand daughter ticket without any notice. They compelled me to book another ticket for my grand daughter at higher rate. BOA credited my first payment for my grand daughter but later they charged me again. 
Again XXXX played " dirty '' business and XXXX XXXX failed to provide the services. I again disputed all tickets and agent fee. 
BOA charged me tickets that XXXX XXXX cancelled and refunded. BOA charged all agent fee though it was so obvious that it was a BIG FRAUD. 
Fraud team of BOA, XXXX XXXX and XXXX have been harassing me since XX/XX/2017. Instead of listening and resolving BOA is charging me interest for one ticket. ( they debited two tickets for one XXXX years girl ). 
I visited BOA center in my area, the local officers also got convinced how one passenger can fly on two air tickets?? But BOA head offices have shut down their wisdom to fix their mistakes. 

The supporting documents can be viewed at XXXX XXXX XXXX XXXX XXXX XXXX Please let me know if you need further information. 

Looking forward to resolve the issue. 

Thank you, XXXX XXXX
Product: Mortgage

Hi, We are in the process of getting a mortgage from Citizens Bank. We submitted all paperwork and details the bank wanted 4 weeks prior to closing. We then were told we needed to submit a business XXXX which was submitted 4 times ( rejected 3 times due to handwritten info ) Mortgage lender did not tell us we could not hand write. Now we are on the XX/XX/XXXX and closing was supposed to be on the XX/XX/XXXX. We are now told that rates agreed on will not be honored because a disclosure document a different version of which has been sent 4 times had a clause on it for the XX/XX/XXXX. We have been asking the bank for past 3 weeks to tell us when they will finalize but no response. We also asked to speak to a supervisor but no response. Today they called me ( XX/XX/XXXX ) and said loan is not yet ready but we will lose the financing lock rate if the bank does not approve. The issue solely resides with the bank. Even after multiple communications a day to get the info they have not confirmed the closing date. They said we could provide you the closing letter sometime on the XX/XX/XXXX. How are we supposed to just know when that is and be ready to close. especially when it takes the lawyers time to prepare the closing documents from when the bank approves
Product: Credit card

I signed up for the Apple Card with the promise of a no interest installment plan for a large purchase. The bank behind the card doesnt recognize the installment balance and distinguish it from the other charges. Therefore, even though I paid off the balance amount for the regular charges, I was still charged interest on the remaining balance. This is a very deceptive marketing approach!
Product: Debt collection

I am writing to formally dispute the inaccurate information contained in my credit file under the provisions of the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX XXXX XXXX ( XXXX ) standards. Due to the XXXX data breach, I have reason to believe that my credit file contains inaccurate and unverifiable information that must be corrected or removed immediately to prevent further damage to my financial standing
Product: Money transfer, virtual currency, or money service

I'm trying to use to stock trading app XXXX and PNC will not allow me to connect my account.
Product: Mortgage

I would like to have PMI removed from my mortgage. The lender told me in a letter that, if I want PMI removed, I would have to pay for an appraisal to determine if my LTV has reached 75 % or less. 

Isn't it true that under the Homeowners Protection Act a homeowner can request cancellation of PMI when the loan balance falls to 80 percent of the original home 's value? 

Original loan amount = XXXX Original home value = XXXX Current principal Balance = XXXX Estimated current value = XXXX I read that if the homeowner can demonstrate that the LTV is <80 %, PMI can be removed. My LTV ( after an appraisal ) should be 79 %
Product: Vehicle loan or lease

I have only lived on the mainland for XXXX years. I co-signed on a loan for a friend for a car loan and she later had health problems and was unable to make any payments, she left the united states so the car became my issue. I was not familiar with this process, the sales man was very nice but did not explain things well. I signed a paper giving authorization for electronic signatures. As he rushed through the documents, everything seemed ok and not a big deal. Just click here to agree ..... It was only after I became responsible for the payments I learned what I had actually agreed to do. I felt the salesman rushed over this, I did not understand the process. I am upset at the extra fees that were charged for the extended warranty and GAP insurance, these were not fully explained ; the salesman was more interested in selling a car than making sure I understood how serious an auto loan is and the full responsibility I was agreeing to as a co-signer. I can not make the payments it is simple. The original value of the car was {$10000.00}, {$9900.00} after a down payment but with the interest rate of 22.99 %, the loan was $ XXXX {$12000.00} in interest charges! The balance today is {$13000.00} after XXXX years of payments, the car is only worth XXXX or XXXX XXXX dollars. I called XXXX XXXX, they would not do anything and refused to discuss any options telling me only that I could try to refinance. They would not consider lowering the interest rate, lowering the payments or removing the extra fees. I can see online a complaint was filed against credit acceptance for exactly the problems I experienced. I felt pressured into products I did not need and for sure did not understand, I am unable to make payments and can not refinance. I feel trapped into this loan and there is nothing I can do. I am not sure I can ever pay this off and if I do, the car will be old and I may have nothing at the end of it all. I did try to refinance the loan but was told I need a co-signer but I was surprised the interest rate would have been much lower. How can that be? Trying to refinance made me feel taken advantage of on the original interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items on my credit report that I would like to verify the information on. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please also remove any inquiries that did NOT result in an account being opened.
Product: Debt collection

NCA IS THE COMPANY AMOUNT XXXX XXXX 2019 IM DISPUTE IT KNOW AND I ALREADY WENT THRU IDENTITY THEFT AND ALSO MADE POLICE REPORT
Product: Debt collection

3 accounts from my Doctors office were sent to this company for collection, I spoke to a very pleasant representative that agreed with me to delete the account on collections for a full payment, she used of verbiage tactics to agree with me and the account was never deleted. When I called for a follow up I spoke to a manager named XXXX who kept repeatedly using confrontational language and trying to talk me out of what I had originally agreed with the Representative to whom I had made payment to. He multiple times suggested that he wouldn't listen to the recording of the call because he already " knew his employees would never do that '', despite me kindly asking him for a review. 

The way he spoke to me was more stand offish than the debt on my credit file itself. 
I felt lied to and manipulated by this company using abusive tactics.
Product: Credit card or prepaid card

On or about XXXX of 2019 someone hacked into my Payal credit account made charges on it and then requested that my account be closed. Synchrony Bank, the owner of Paypal, made not attempt to contact me regarding the closing of my account or the report of fraud. Once I realized I could not longer make charges to my Paypal account I discovered the fraudulent charges and I reported to Paypal/Synchrony that my account had been hacked and I never requested my account to be closed. Despite many messages I sent to Paypal/Synchrony to rectify this mistake by them they sent me a letter without as much as asking me a single question about the fraud and closed my account severely damaging my credit.
Product: Checking or savings account

I am writing to submit an additional complaint regarding SoFi Bank, related to an ongoing issue I have already reported. My original complaint number is XXXX. 

My concern is that SoFi is relying on AI-driven processes to handle my dispute, which I believe is not being addressed appropriately. Despite clear evidence of fraud, SoFi has yet to resolve the issue, and I am convinced that if a human were thoroughly reviewing my case, I would have already had my stolen funds of {$1500.00} returned to me.

This situation arose after I received a text message from the bank asking me to confirm the charge. I immediately replied no, indicating that the charge was unauthorized, yet the bank still approved the transaction. I have since filed complaints with SoFi, CFPB and the XXXX XXXX, but the issue remains unresolved. 

This has left me in a severe financial bind, and I am asking for your urgent intervention to ensure that SoFi takes the necessary steps to handle my dispute properly, with the involvement of a human representative. I believe that their AI-driven system is failing to resolve this matter, which has had significant consequences on my financial well-being. 

Thank you for your time and attention to this matter. I appreciate your assistance in ensuring this dispute is handled fairly and appropriately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing bank of america on my credit report for months now. Today I received a letter from bank of america stating that I openend this account back in XX/XX/XXXX. First off this is old information ( over 7 years ) and secondly the information they put in this letter is wrong. I did not make any payments after XX/XX/XXXX. I don't no where they are getting there information from but it's wrong. I checked with my bank but due to being over 7 years they are unable to verify from that far back. There was fraudulant activity done on this card back in XXXX. I contacted the bank immediately back then and told them that I did not make these cash advances nor purchases. Today in XXXX this account is still reporting negatively on my credit reports and is affecting my credit score. Bank of america is stating it will remain on my reports from the date of the charge off. Well they charged it off in XXXX. This is not my issue. I contacted them and told them of the fraud back in XXXX. I want this information removed off all my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX NEVER reports payments I've made to any credit bureau and they refuse to update the principal balance which has been decreasing with my payments that I'm making. All XXXX credit bureaus refuse to help. Enough is enough. I will get a lawyer if the CFPB doesn't so their job and XXXX continues to XXXX over borrowers and not report properly under XXXX XXXX. They also have NEVER provided me any kind of statement there is only XXXX in my account they have no other statements except for XXXX month I have contacted the XXXX XXXX I have contacted the XXXX XXXX XXXX I have contacted you here I have contacted the XXXX XXXX XXXX and I can not get any of my statements. I never know how much interest they are charging me how it is being applied my payments and how they are being applied I show nothing I get no statements. This is not legal.