23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Dear Sir/Madam, My name is XXXX XXXX. 
I am the client of Bank of American and Home Equity Account is XXXX. 
In XX/XX/XXXX, They offered me the promotion 1.99 % APR fixed through XX/XX/XXXX. And this promotional rate is only available on new draws by phone before XX/XX/XXXX. 
On XX/XX/XXXX, XXXX. I phoned to draw fund total XXXX to my check account. Of course I returned some during this period. And the Ending Balance is XXXX. 
This means all balance should be in promotion rate. see attached document 01 But the statement ( Billing cycle : XXXX ) is : All other transactions APR 4.41 Principal XXXX Finical Charge XXXX Where comes from all other transaction? My total draw fund ( by phone ) in XXXX is XXXX and this much larger than the ending balance. This means my ending balance XXXX is from phone transferred from Equity account to my check account and this should be APR1.99 not 4.41 as their promotion. All my transaction only through phone as their promotion requirement so all transactions rate should be 1.99 % as promotion. 

Same problem : BOA offered special promotion in XXXX : 1.99APR fixed through XX/XX/XXXX. And this promotion rate is available on new draws by phone before XX/XX/XXXX. I draw funds on XX/XX/XXXX, XX/XX/XXXX, total {$64000.00} by phone. See attached 02 But the statement ( Billing cycle : XXXX ) is All other transactions APR 4.66 Principal XXXX Finical Charge XXXX Where all other transactions come from? Why this principal XXXX is the same as last cycle ( as above said )? All my transaction only through phone as their promotion requirement. So all transactions rate should be 1.99 as promotion. 

As I am not native English speaker, please ask them reply me by writing form. 
My e-mail address is : XXXX OR XXXX. 

Please ask them correct these mistakes and do not make same mistake because last billing cycle they did same mistake and correct after your notice to them. 

Best Regard XXXX
Product: Mortgage

I has denied my FHA refinance loan at closing because Carrington Mortgage Services LLC took  OVER 120 days to finalize my loan approval, and the issues that developed with Covid-19 and my age and being in a high risk category for contracting and possibly XXXX  from the virus. I unexpectedly had to change jobs one and a half weeks BEFORE my closing was to be scheduled by Carrington Mortgage Services due to the risks at my existing job and contracting Covid-19. For my health and safety, I had to switch jobs where I did not travel across several states each month. exposing myself to disease contraction at gas stations, hotels, rest areas, and restuarants. This change was necessary on XX/XX/2020. I applied for my loan with Carrington Mortgage  LLC in late XXXX of 2020. The refinance loan was approved in XXXX of 2020, after 90 days of very slow progress on Carrington 's part, yet no date was given for closing at that point.

Carrington Mortgage LLC did not consider my FHA loan a priority and it was placed at the bottom of their list to complete. By the time they decided to talk about closing it had been OVER 120 days since I had applied. They denied my loan at closing because I had to unexpectedly change jobs for my health and safety even, though the approval of the loan came from them in late XXXX. 

I was discriminated against do to my age, high risk and XXXX involving Covid-19. I lost over {$900.00} in paying for the property appraisal which showed my home as XXXX over the market price of what Carrington 's paper work had listed. Because of Carrington Mortgage LLC 's inefficient and prejudice methods of processing loans, particularly FHA loans versus their conventional loan applications from clients with higher credit scores and less misfortunes, I was not able to refinance my home, and have experienced extreme financial and emotional duress. I was denied my refinance because I could not hold on for over 4 months at a job that was risky and possibly deadly to me due to the pandemic. This is discrimination and preferential treatment of loan applicants by XXXXarrington Mortgage LLC.

I have also filed a complaint with HUD against Carrington.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I sent Transunion a method of verification letter for explanation of accounts they supposedly had verified. However, they did not respond to my request
Product: Credit card or prepaid card

My card was paid in full however the company refuses to update the credit bureau reflecting as such. They have reported balance increases but are not reporting decreases. I reached out requesting they show that I've paid and they said they have stopped reporting to the bureau. I paid my card off because I am trying to improve my credit but the refuse to update the report. There was never any information sent out detailing they would cease reporting. I believe it is unfair that creditors can report new debt immediately but then refuse to report payment history and updated/balance decreases. This is unfair to the consumer. In addition as a generalized statement creditors as a whole should be able to update account decreases immediately just like they can report increases..it should take months to reflect a paid in full balance. This is an unfair practice to the consumer.
Product: Checking or savings account

XX/XX/XXXX - I deposited a $ XXXX check written to me drawn on a XXXX bank account. I usually rip up my checks, but for some reason, either this one did n't get ripped up, or it was re-created, I 'm not sure which. 

XX/XX/XXXX - Someone took or used the same check referenced above, went to a XXXX bank in downtown XXXX XXXX and cashed that check. 

XX/XX/XXXX - Citibank debits my account for $ XXXX. No reason is stated in the debit notes, no letter sent via regular mail, email, or citibank mail. I have to call my local branch and they have to tell me that a check was negotiated at XXXX and XXXX charged them for the money. I was then penalized and my money taken out. No additional money was ever taken from the chase customer who wrote the check. 

XX/XX/XXXX- I reach out to my citibank gold hotline about this fraud. They tell me they can not open a fraud case because there was no fraud on my account. They tell me they can not open a forgery case because there was no forgery on my account. I ask to speak to a supervisor. No supervisor is reached so I am told I will get a call back immediately regarding the situation. As of XX/XX/XXXX nobody has called me back. 

XX/XX/XXXX - I reach back out to the citibank manager I was dealing with before and she is amazingly helpful. She reached out to the escalation department who told her that Citi bank honors the 2nd cashed check, not the original mobile deposit? This is outrageous and makes no sense!! I am told to go to XXXX, track down the check and bank it was cashed at and file a fraud claim with them. 

XX/XX/XXXX- I go to the nearest XXXX bank, I 'm told there is no record of second check being cashed. XXXX then gives me the reference # and back of house information on the check. I present that to XXXX and they tell me, yes someone did cash a check at the XXXX XXXX XXXX location in XXXX XXXX. At midnight when checks were getting cleared, XXXX did not let the check clear and Citi was alerted. 

XX/XX/XXXX - I finally am able to reach the manager of the XXXX XXXX XXXX branch where the check was cashed, and SURPRISE!! I am told to call Citi 's customer 's service and file a fraud claim so that Citi can initiate a search and investigation into the transaction with XXXX. At the branch level they have no way of accessing these documents or videos now. 

SO please tell me why Citi tells me they ca n't file fraud claim for me? Tell me why, instead of being my advocate, they are telling the fraud victim to be a detective?? Please tell me why, I am being punished for a XXXX teller error by Citibank. I have worked in banks before and this kind of treatment is pathetic. This is n't service, this is a disservice. I have wasted more time ( and when that time is translated into money based on my hourly rate ) chasing down my money, than what Citi STOLE, yes STOLE from me.
Product: Credit reporting or other personal consumer reports

Per the FCRA as a Federally protected consumer I am now opting out of all authorization. I the consum

er may have given you written and unwritten, verbal, and nonverbal per 15 USC 6803. In accordance with the Fair C
redit Reporting Act XXXX  Acct # : XXXX has violated my rights 15 U.S.C 1681 Section 602. A. States I have the right to privacy 15 U.S.C 1681 Section 604. A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : XXXX has violated my rights 15 U.S.C 1681 Section 602. A. States I have the right to privacy 15 U.S.C 1681 Section 604. A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX Acct # : XXXX has violated my rights 15 U.S.C 1681 Section 602. A. States I have the right to privacy 15 U.S.C 1681 Section 604. A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Payday loan, title loan, or personal loan

World Finance XXXX World Finance Corporation continues to increase balance of charged off account. Per 15 U.S. Code 1692f - Unfair practices - A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Screen shots are included.
Product: Credit card or prepaid card

I have a loan with XXXX/XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXX/XXXX with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never XXXX days late.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding fraudulent items that have been erroneously included in my credit report. Despite repeated attempts to rectify this issue, the fraudulent entries persist, tarnishing my creditworthiness and financial standing. 

The fraudulent items in question, including [ describe the items in detail, providing any relevant account numbers or reference numbers ], are not associated with any legitimate financial activity on my part. They are the result of fraudulent activity and should not be included in my credit history. 

I have submitted multiple disputes and provided comprehensive documentation and evidence supporting my claims of fraud. However, to my dismay, these efforts have not resulted in the removal of the fraudulent items from my credit report. 

It is imperative that immediate action is taken to investigate and remove these fraudulent items from my credit report. Their continued presence not only damages my credit score but also undermines my financial integrity. 

I request that you expedite the resolution of this matter and provide regular updates on the progress of the investigation. Transparent communication throughout this process is essential to restoring my confidence in your organization and ensuring a satisfactory resolution. 

Failure to address this complaint promptly and satisfactorily will leave me with no choice but to escalate this matter further, including seeking legal recourse and involving regulatory authorities.I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX BalanceXXXX XXXXXXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance {$1300.00} XXXXXXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, DE XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$680.00} XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

've consistently maintained on-time payments for this account, never allowing them to be overdue. I'm uncertain about the reasons for the late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Checking or savings account

On Sunday,XX/XX/2021 while working on my computer, a note came up from my credit card company, XXXX XXXX, asking if I just mad three {$600.00} charges to a XXXX company, I said NO, and they denied the charges, nothing hit my account, Than after a few hours, I got another note from Chase saying the paid three accounts that did look suspicious, but paid them any way. see attached info.
Product: Student loan

XXXX complaint - case XXXX Fedloan Servicing Account XXXX I paid off a loan originated on XX/XX/2013 and it continues to accrue interest and payments. I received a XXXX answer from my XXXX complaint that was unacceptable. I need HELP resolving this issue or will need to hire an attorney.
Product: Credit reporting

This has been an ongoing situation with Chex-systems. I have been trying to open up an account for an auto loan that was approved but the requirements of the loan is for me to open up membership and There is a Fraudulent Checking account that was established in my name with XXXX in which they are reporting a charge off account. I had a police report filed for some other fraudulent accounts that were established in my name. I sent it in to chex-systems and they said they were not going to use my police report because the XXXX Account was not included in the police report. I have filed a new police report with XXXX XXXX XXXX Sheriff and have specifically included the XXXX account that is fraudulent. I need this account to be blocked and removed immediately from my file. This has already token way to long and I have not been able to obtain my car loan because of Chex-systems lack of trying to help me remove this fraudulent information from my Chex-systems file.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted : XXXX, Equifax, and XXXX, - XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX attached : copy of ID, Dispute letters, & proof of address
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX ( S ) ; Experian : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXXXXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

In the month of XXXX, I received a letter from XXXX XXXX XXXX XXXX telling me that the institution will be sending me a new XXXX XXXX  XXXX. I don't remember the reason, but I do remember that I was kind of confused because my card wasn't expired and I haven't report any suspicious activity neither.I believe in the month of XXXX I received my new card. 

After that I received a letter from the bank telling me that my monthly payment was pending. I was surprised because I have all my credit cards in monthly automatic minimum payment set up, but, since they sent me that letter, I checked my account and noticed that my minimum payment for {$89.00} dollars had been already processed. I thought maybe the letter was only a mistake and I disregarded the notification. 
For me, my auto-payment set up was in its place. 

On XXXX the XXXX, I received an email from XXXX XXXX and another from XXXX letting me know that I had a 30-day late payment reported to the credit agencies.

I immediately called the bank asking the reason for this action against me and the person on the phone told me that the bank had unsettled my automatic payment because they changed the credit card company that manages the bank credit card department. 

When I asked why I was not notified about that change in my set up payment made without my consent she said that she didn't know. That maybe was because they changed my credit card number. I told her that that is not a reason to throw away my set up, letting my payments uncovered without any notice. 

Then I asked her if they unilaterally undo my automatic payment, why they automatically processed one payment on XX/XX/XXXX for {$89.00} dollars in the same account making more confusing the situation for me? 
Her answer was that maybe the former company used for the bank received the payment because I had my set up payment and after that, they decided to send the payment to the new company in charge. They just made it once but maybe they can't make it again. 

I asked her : Are you serious? so that means that the bank and its credit cards companies have been doing whatever they want with my account without my acknowledgment then, suddenly they change my set up, they stop transferring payments between then and at the end they do not process my XXXX payment and decide to report my account with a 30 days late payment? 
On top of that, the bank is charging me two late payments of XXXX each. 
Her response was that she can't make nothing and recommended me to place this complaint on the credit agencies. This is what I'm doing now. 

For me, this is unfair. I was never notified that once I receive my new card, I had to make any new set up for my payments and I didn't do it. 
My payments history was clean and nice until now. 
My score credit was affected with XXXX points in one day and I need this error to be fix. 
I'm asking this bureau for your help in this matter.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX
Product: Vehicle loan or lease

XXXX Wells Fargo Information inaccurate and violated privacy laws immediately delete the accounts
Product: Debt collection

Company has continuously contacted me about an alleged debt, I have received numerous letters and phone calls with obscene and profane language causing me anxiety and mental anguish. Company has also reported false and inaccurate information on my consumer report further damaging my reputation and causing me irreparable financial loss. 

Please see attachments below
Product: Checking or savings account

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX someone decided to withdraw money from my bank account XXXX dlls to be exact XXXX from an atm and XXXX from a bank teller machine same branch they had close my case for lack of evidence as it was considered an authorized transaction as someone used my card and my pin. they requested some documents about proving that i wasnt there at the time of the transactions which i did but it seems not to be enough for them i never lost my wallet or card i try and dispute the claim and it seems like every time they make it harder and harder to get my money back and to be waiting for all these documents to get within 5to7 days every time its ridiculous.
Product: Mortgage

I am attempting to sell my home and pay off my home loan with PHH Mortgage. PHH has been awful to work with. I attempted to obtain a pay off several times on their website, which does not work and I advised them it does not work. My attorney, under my authorization has contacted them several times over the previous several weeks and has been unable to obtain a pay off amount. It seems like they make the process difficult, confusing or technically difficult to avoid customers paying off. I am extremely frustrated and as you can see, my attorney is also. PLEASE HELP ME! We need my payoff statement faxed to my attorney at XXXX From : XXXX XXXX Date : Mon, XX/XX/2019 at XXXX XXXX Subject : XXXXXXX To : XXXX XXXX XXXX ; I am still waiting on the official third party payoff statement : yours was good for providing a figure, but we need the official one as a third party generated and with full remittance details. I should have had my request filled on Wednesday, or Friday, or by now this morning. I am beyond beyond frustrated with PHH and their call center. I have faxed the requests twice in XXXX, twice on XX/XX/XXXX and twice today and they refuse to acknowledge acceptance, generate a statement for me, or provide an email address so that I can ensure the faxes are getting to them. ( My fax system shows all XXXX of the requests were successfully transmitted. ) Can you call them at XXXX and ask them to fax the statement for loan nr XXXX to me at XXXX, please? I will note for my files that all PHH payoffs going forward will have to be ordered by clients. Ive spent over an hour on the phone today as well as all the transmissions and its beyond my tolerance levels. I am sure you are over it too, by now.
Product: Mortgage

To whom it may concern, I would like to report you a mortgage fraud. 
In 2013 Wells Fargo Home Mortgage supposed to mail me a {$2200.00} check with the remaining of my mortgage account balance ( mortgage account number XXXX ), but after some check delivery problems and several phone conversations they promised to deposit it to my new Wells Fargo refinanced mortgage account ( after refinancing, the new mortgage account number XXXX ). 
I've contacted the bank several times by phone to verify it. The bank employees could not provide any documents but every time insured me that everything is O.K. and money is in the right place.

Recently I've contacted the bank again and requested the proof that my money is deposited the right way.

Another bank employee emailed me a copy of the check telling that I got this money a long time ago.

This is not true. I have never deposited this check and my signature on the check was forged.

When I asked him who and when received my money, the bank representative could not give me this information.

I noticed that my signature was forged by somebody who saw my real signature and suspect that is bank employees who stole and cashed my check, and was deliberately hiding the information about it for several years.

I think there is or was an organized criminal group operating in the mortgage department who stole my money and making everything that I could not report it to the police in timely manner deliberately feeding me false information to postpone the investigation. As far I know this type of checks is not even possible to cash without depositing to the owner 's bank account. This is definitely Wells Fargo Home Mortgage fault.

Please open an investigation about this incident I recently learned about.

Please see the attached copy of the cashed check and let me know if you have any questions. 

XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the Credit Agencies in an effort to get them to remove fraudulently reporting accounts and inquiries from my credit file. The following fraud accounts are reporting on with the following Credit Agencies : Transunion is Reporting the following fraud accounts : 1. Law Offices - XXXX XXXX XXXX 2. XXXX - XXXX XXXX XXXX ( 3 Accounts ) 3. XXXX - XXXX XXXX 4. XXXX XXXX XXXX is Reporting the following fraud accounts : 1. XXXX XXXX XXXX is Reporting the following fraud accounts : 1. XXXX XXXX Please assist in helping me to get the following items removed