23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I'm reaching out today because I am so frustrated, and no one has been willing to help me. I'm stuck between a rock and a hard place. I have a simple checking account with Bank of The West and I'm totally in the dark as to what is happening with the account. 

I could not access anything on my account for three weeks through the app or online. I had been checking my balance at an ATM and trying to use cash. My card was still functioning properly so I didn't think that it was anything more than my password needing to be reset. Every time I called the online customer service it was over an hour wait and more than often at the end of my hour wait the call would drop and I would again be frustrated to the point of tears, as I am while writing this email. This is amidst a server crisis that took more than three weeks to fix. This was on XX/XX/XXXX and I still don't have access to anything. 

I called one night and finally got through after another hour wait, and being transfered three times to escalate the situation, all for the gentleman to tell me that I had to go to a branch to close the account. I asked why and he said my account had been compromised, and that he couldn't help me. When I got to the branch the teller said the account was fine and nothing had happened to it. It was totally fine. Very confused and frustrated I asked to close the account ( as instructed by the customer service team on the phone ) which the teller seemed to take personally. She then proceeded to tell me that I was wrong and that there was nothing that happened with the servers. I left and went to another branch to check the status of my account and ensure it was closed or closing. XXXX and XXXX at the XXXX XXXX branch at XXXX XXXX XXXX XXXX. 
XXXX XXXX, CO XXXX - ( XXXX ) XXXX were also very unhelpful in closing the account and essentially told me there is no way for the account to be closed permanently by the bank its self that it's my responsibility to ensure that I have contacted all of the merchants that I have ever used the card or the account with. I don't have access to my account to see all of that information and ensure that I have in fact contacted all of the merchants that are able to charge to the account. They are also the rudest bank tellers I have ever encountered. 

I called the the XXXX XXXX XXXX today to ensure that nothing has charged that would cause an overdraft or additional charges, and they said my address has been changed and that I need to go into a branch because they can't verify my identity. This is 2019 I can't go to a branch every day to make sure there is not fraud on my bank account and that I'm not being charged bank fees for something I have no insight to. I can't see what is happening on this account and I want to ensure that it is closed and that I am not being charged any fees. I know this is a long shot, but please, please, please help me if you can. I just want it to end. I just want to get as far away from this company as possible, but they are requesting I drive to a branch every day to monitor my account.
Product: Debt collection

Twice I've disputed this account with Convergent Outsourcing and I still have received nothing at all from them! This is a violation of the FCRA! They are required by federal law, to send me the same information that they are reporting to the credit bureaus! I DEMAND JUSTICE! PLEASE HELP ME!
Product: Vehicle loan or lease

On XX/XX/XXXX, my Hyundai XXXX was involved in a motor vehicle accident where it was claimed a total loss. The insurance company paid XXXX for the vehicle, when the debt on the vehicle was XXXX. Therefore the insurance issued a check to me for the remaining balance of XXXX. 

Months later in XX/XX/XXXX/XX/XX/XXXX, as I am preparing to look at getting a mortgage. I come to find out that I was 30, 60 days delinquent on the account, Hyundai claimed I was delinquent on a remaining part. I called Hyundai and paid the amount and explained that I was not delinquent, but I wanted the problem removed from my credit history. 

Now the account shows as a charge off instead of paid ok.
Product: Mortgage

Working with Cardinal Financial was an agonizing ordeal. As veterans, we embarked on a journey to purchase land in KY in XXXX with XXXX XXXX which was painless. XXXX of XXXX we moved from XXXX, NC fully prepared to live in our XXXX ' camper for a minimum of a year ( and knew we'd likely be living off-grid with external power and local water sources for at least XXXX months ) while we applied for a loan and our new home was under construction. We began the loan application in XX/XX/XXXX after getting our bearings of the area, we initiated a VA new construction loan application with XXXX XXXX at Cardinal Financial. However, after XXXX months, we were suddenly transferred to XXXX XXXX due to XXXX 's inability to handle our loan in KY. Initially, we had confidence in XXXX, but issues with our debt-to-income ratio soon emerged. 

We followed advice to make extra payments and avoid paying off certain loans for deferral purposes, but XXXX 's mistake in calculating my partner 's income led to a mortgage fraud investigation. Consequently, we lost our original home plans with another builder and had to opt for a cheaper option, despite having already paid $ XXXX. XXXX resolved this issue but failed to clarify why our closing costs skyrocketed from $ XXXX to almost $ XXXX for a $ XXXX construction in the XXXX months we worked with her despite asking for clarification. 

For months, we were left in the dark, receiving documents with unexplained amendments and expectations to just sign them in order to keep the process moving forward. At our wits end, and in serious despair at the thought of having to find $ XXXX to close out of thin air, we remained vigilant in asking XXXX why the closing costs were as they were. We were promised answers within a week from XXXX 's manager, and we were abandoned when she went out of office the following week giving us no one to follow-up with. Our attempts to contact her manager and their superior were futile, each time with empty promises of a return call. Weeks prior to that we submitted an unanswered online customer complaint, highlighting our year-long struggles, still with no response. 

Three weeks later, after hours over multiple days on customer service calls, we were finally connected with XXXX and XXXX, who resolved everything within XXXX HOURS. Throughout this ordeal, we spent over $ XXXX to survive in a XXXX ' camper with external power and water. This misrepresentation of the company and lack of communication caused us financial hardship, unexpected costs, and the loss of our original build, which we had already paid for. 

Cardinal Financial, as one of the few institutions servicing VA New Construction Loans, left us feeling trapped, exploited, and deceived. Clients should be cautioned against considering their services.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has reported XXXX vehicles as charge offs and I have the letters of release of liens and I have the titles of the trucks they refuse to update the account and they refuse to report my vehicles as paid to the CRA and this has been detrimental to me as a consumer. 
I am attaching what I have of this to prove which I have already sent copies to XXXX XXXX XXXX and to the 3 consumer reporting agencies and the 3 agencies do not remove it either, and have NOT validated it to me with written proof. They just say it has been validated by the furnisher. A violation of 15usc1681s-2 ; 1681EB, 1681i5, to my detriment. 
the accounts are Account name : XXXX XXXX XXXX  Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX {$34000.00} 15 U.S. Code 1666b - Timing of payments U.S. Code ( 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 21 days before the payment due date. 
The poor reporting and malicious negligence of XXXX  XXXX XXXX  has caused damage to my way of life and has been detrimental when applying for consumer products and the other party sees me poorly when evaluating the credit worthiness, credit standing, credit capacity, has caused damage to my character, and damaged my general reputation and is a disrespect for this consumers right to privacy. I have been communicating with XXXX  XXXX XXXX  over 2 years and nothing has been done to correct these Federal Violations by XXXX  XXXX XXXX  I need this reviewed and corrected and deleted from my reports. I also seek monetary damages from XXXX  XXXX for this devastation to my character and damage to my ability to purchase other goods for the home.
Product: Credit reporting

Trans union has got somebody with the same name as mine that lives in the same town that I live in credit good and bad mostly bad listed on my credit report. This has brought my credit number down terrible low. How were they able to do this without my social security number? There are even XXXX civil judgements against me. I had good credit how can this happen. I checked with the other XXXX reporting credit agencies and Transunion the only one that has the wrong information listed against me. Please help.
Product: Credit reporting or other personal consumer reports

My rights were violated for 3 years by this reporting agency, which failed to cease negative credit reporting under the Heroes Act of XXXX. The Heroes Act provided protections against such reporting during the duration of the Nationally declared disaster, COVID-19 Pandemic ( XX/XX/XXXX - XX/XX/XXXX ). 
The Heroes Act expanded relief during the pandemic and the FDIC, OCC, and Federal Reserve identified ways to assist struggling consumers such as myself, through repayment accommodations. Accommodation included : Extending payment due dates, deferments, and forbearance, none of which was offered to me. I should have not only received protection from negative reporting plus ( +120 ) days but offered a chance to repay past due balances in equal payments. For debts greater than {$5000.00}, I should have received a 36-month repayment term but instead have seen complete sabotage to my credit history.

I agreed to settle just for the sake of avoiding debt collectors who called me everyday until payment was received, which was also a suspended practice. Every creditor with negative payment remarks and reporting in my credit file was in direct violation of my rights and this Credit Bureau assisted them in doing so. The negligence has cost me my financial standing and peace of mind. I am not a representative of a credit repair agency, I do not dispute that the accounts belong to me, I am simply an upset consumer appalled by the mismanagement of information and influence during such a dark period in my life. 
I have attempted to resolve this issue at the lowest level possible. Rather than meaningful results, I am faced with intimidating language about the FCRAs rules on Legitimate disputes, a fluffy response that has nothing to do with my claim, or a you are a credit repair agency because there is no way this retired veteran could possibly know how to research legal topics. It is unfortunate that all this Bureau must do is type jargon and it suffices as a real response, case closed by the CFPB. I will not let this error continue. I want one of the options proposed as a solution selected and typed in a response. This way I can confirm I am not speaking to an autobot, which is the tone of all responses coming from the bureau.
Product: Money transfer, virtual currency, or money service

my data was in XXXX breach. then i receive a cashapp card with my name on back but not my handle nor did i ask for a new card. it was sent to my old address where i also had XXXX XXXX ( XXXX  ). cashapp will not tell me anything except tgat an account was opened using my information such as name birthday ssn, but not my phone number or email address. and since i dont know the number used they wont tell me anything. i have filed a police report. but cashapp will not close the account or help in anyway. not to mention XXXX XXXX  orders hit my credit card back to back on the XXXX of XXXX totaling {$160.00}. this is all tied together. and im sorry the XXXX  free credit report being offered is not sufficient enough when people have fraudulent bank account prepaid or not opened up. credit doesnt need to be ran. so this is much more serious. and i really wish someone would take this serious and actually listen. things need to change with how account are opened, just alot needs to change.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX and Experian Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The XXXX and Experian has failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these items from my credit file. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

CFPB, question, why are my submissions getting closed upon their initial response? I received XXXX XXXX XXXX  response that has no relevance to my concerns a long with fraudulent reporting made to my credit bureaus. 

XXXX
Product: Mortgage

This Complaint involves my mortgage company, XXXX and its mortgage servicer.. 

Please see the attached Addendum that includes a detailed timeline relating to the subject matter of this Complaint, as well as a copy of my most recent ( XX/XX/22 ) Mortgage Statement. No additional documents have been attached because it is anticipated that there will not be any factual disputes between myself and the mortgage company. 

Simply put : I was granted a COVID-19 forbearance ; I resumed my contractual responsibilities upon the conclusion of the forbearance ; the Company and I agreed as to the post-forbearance option to address the missed monthly payments during the forbearance. The ball has been in the Company 's court for many months to complete the Payment Deferral Agreement and bring the mortgage current by sending monthly statements that don't reflect " Delinquency Notice '' and other derogatory ( and untrue ) terms.

I have been extremely patient with these people but enough is enough. Sanction them!
Product: Mortgage

The mortgage company claims that they post my payments to my account on the date that they receive them, but my statements show that this is not true. 

My XX/XX/XXXX statement shows a {$400.00} payment received on XX/XX/XXXX that was put in a suspense account and not applied to my mortgage account. That statement also shows a payment due amount of {$300.00} due on XX/XX/XXXX. My normal monthly payment is {$700.00}, thus they are acknowledging the extra payment was made but did NOT put it in my account. 

My XX/XX/XXXX statement shows the money finally being deposited on into my mortgage account on XXXXseveral days after they received received the payment. 

It looks like they changed their process in XX/XX/XXXX. 

I send 2 checks automatically one for the regular mortgage payment and a second one for the extra principal payment. 

Prior to XX/XX/XXXX, they would post two transactions on my statement on the same day the regular payment and the extra principalboth going directly into my account. 

On XXXX they started posting my extra principal check to a suspense account instead of posting it directly to my account. They would later move it out of the suspense account and the finally credit to my mortgage account. In other words, my principal payment was passing through a suspense account instead of going directly into my account. They did not do that to my regular payment. 

So in XXXX I had a total of 4 transactions ( 3 for the principal only payment ; 1 for the regular payment ) on my statement instead of 2 transactions. 

On XX/XX/XXXX they received my principal payment and posted it to a suspense account. On XX/XX/XXXX they posted my regular payment. Then my statement was sent to me. The credit of my XXXX payment was not applied to my account until XXXXthey left it in the suspense account. 

It is also curious is that my automated payments have not changed in probably a decade. They have typically arrived a day or two before or so before the first of the month, but now with NewRezs processing changes the payments are dated as being received 3-4 days later, curious that maybe the check posting process is taking longer with these addition accounting moves with suspense accounts. 

Compounding this, when my mortgage was transferred in XXXX and my payments were going to my old mortgage company, they were transferring the payments to the new mortgage company over ~2 weeks after they had been received by the original mortgage company. I was told there was not a penalty to me for that, but I am now concerned that the delay of the transfer from one mortgage company to the other may have resulted in extra interest costs for me.
Product: Credit reporting or other personal consumer reports

Trans union has a freeze that I did not authorize and I can not login to its website.
Product: Mortgage

DENIAL OF HAMP MODFICATION BECAUSE OF FAKE MORTGAGE NOTE The purpose of this complaint is to request an explanation of the reason we were denied a HAMP Modification. The Master Servicer XXXX XXXX XXXX and Co-Servicer Bayview Loan Servicing have denied a Hamp Modification due to the fake note and fake mortgage documents the Master Servicer XXXX XXXX XXXX filed with the XXXX XXXX Recorders Office. 
On XXXX XXXX, 2016, I received Hamp Modification denial notice dated XXXX XXXX, 2016. On XXXX XXXX, 2016 notified XXXX XXXX in a Qualified Written Request and stated I had concerns regarding why we were denied for a HAMP MODFICATION and to please send Hamp Modification Program Guidelines, laws, rules and regulations why we did n't qualify. The denial contradicts paperwork received from the Master Servicer, XXXX XXXX XXXX. XXXX XXXX stated she would get us more information explaining the denial and why ; however, XXXX XXXX never did. XXXX XXXX asked me not to contact the Bayview Loan Servicing Hamp Escalations or the Consumer Financial Protection Bureau regarding this matter and to give her some time to respond. Although I asked for the denial of the Hamp Modification information on multiple occasions, Bayview Loan Servicing and XXXX XXXX failed to provide an answer to the QWR and respond to me. Therefore, I am now requesting the reason for denial of Hamp Modification again and as before requesting not just the reasons given on XXXX XXXX, 2016, because those reason contradicts paperwork received from the Master Servicer, XXXX XXXX XXXX. ( SEE EXHIBIT A ) On XXXX XXXX, 2016, we received paperwork we were denied for a Hamp Modification reason stated : " Minimum required reduction : We are unable to offer you a HAMP modification because in performing our underwriting of a potential modification we could not reduce your principal and interest payment by at least XXXX per cent. ''
Product: Credit reporting

I sent Experian a certified mail request for METHOD OF VERIFICATION form which I will attach for the following accounts that do not belong to me. The accounts are : XXXX XXXX, XXXX XXXX XXXX conn, XXXX XXXX, applied bank, and cbna sears all which do not belong to me and the response was that it was " verified ''. According to my METHOD OF VERIFICATION form they did not send the requested information to verify these accounts. I also disputed a BANKRUPTCY which I called Experian and spoke with a representative who put me on hold to call the courts in XXXX Ohio only to find out they do not give out information on the phone but still did not verify the BANKRUPTCY but in there results they put " REMAINS ''. None of these accounts were verified Experian have not verified these accounts. I sent the METHOD OF VERIFICATION form certified and I have receipt to show and I can email a copy of the receipt to Consumerfinance.gov if requested. I HAVE ATTACHED THE FORM THAT I SENT CERTIFIED TO EXPERIAN.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I am in the process of applying for a mortgage with XXXX XXXX. Equifax has mistakenly mixed up my brother XXXX XXXX credit report information with mine. As a result, my brothers 2 mortgage accounts 1 ) XXXX XXXX XXXX  with balance {$950000.00} and 2 ) XXXX XXXX XXXX with balance {$290000.00} were included on my credit report. Within the past 2 weeks, we have contacted Equifax more than 6 times. They claimed that the problem was fixed and these 2 mortgages are no longer on my account. However, when I tried to run my credit report on Equifax.com ( XXXX, XX/XX/XXXX, XX/XX/XXXX ) all these 3 reports are still showing my brothers 2 mortgages. The system still identified me as XXXX XXXX with my brothers date of birth, last 4 digits of SSN, current and former address. 
Equifax has sent me a copy of my report dated XX/XX/XXXX ( confirmation # XXXX ). Although the information on this report is correct, my concern is the 3 reports that I pulled on the Equifax portal after XXXX are still showing the errors. 
Equifax is unable to explain the discrepancies. When my lender pulled my combined credit report via XXXX on XX/XX/XXXX, it is still indicating that Equifax is reporting my brothers mortgages on my report. The XXXX Report also indicates that I am AKA XXXX XXXX ( the 2 of us with DOB 6 years apart! ) This has severely jeopardized my underwriting process. 
I have also filed 2 online disputes based on the above incorrect information at Equifax.com. Confirmation # XXXX and # XXXX. Initially, I was able to track the progress but these disputes suddenly disappeared from my online profile 2 days ago. I tried to file new dispute based on the incorrect data on XX/XX/XXXX but the system did not allow me to do so.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed against Experian, alleging systematic 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 provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violated federal law and my right as a consumer.