23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We applied for a loan modification the first time last year on XX/XX/XXXX, we got approved on XX/XX/XXXX and complied with the 3 month trial payment starting on XX/XX/XXXX of the amount of {$2100.00} and so on follows the months of XX/XX/XXXX and XX/XX/XXXX. And after XX/XX/XXXX payment they declined us because of Deed was not on our names. But I spoke to a representative informing me that we still had until XX/XX/XXXX to transferred back the Deed back in to our names. But once M & T Bank received our last payment of  XX/XX/XXXX modified payment which we mailed in our check before XX/XX/XXXX and thats when M & T Bank informed us that we were declined due to the deed not being in our names but again they never informed us that once XX/XX/XXXX payment was received by them that it was an automatic decline. At that point we had the deed transferred back into our names and were told that we had to start the loan modification process again. Now we were informed today on XX/XX/XXXX, that we were declined again now because they couldnt support the modification because of the lengthy time which had nothing to do with us. We had all the paperwork completed and turned in a timely manner. 

Thank you, XXXX & XXXX XXXX
Product: Mortgage

DUE to Covid-19 and for NO other reason, I got behind on all of my mortgage. I am in California and our wonderful Governor made an annoucement to allow renters not to pay their rent. My income is from XXXX  at two schools, college students who XXXX XXXX from me and my XXXX  income. 

With the above said, I was hit hard. The schools I was XXXX at closed, my XXXX moved home and my XXXX stopped paying XXXX. 

With my XXXX properties, the lenders have worked with me very well and I received payment plans. These lenders put the back money owed on the back of the loans and payments will be startingin XXXX. This was done with a simple telephone conversation and very easy. 

With SPServicing, unfortunitely, I have the home I live in and an additonal XXXX  property. 

Spservicing has a website one has to use to apply for help. The website in the past has, kicked me out, not saved my information and their " required '' information takes hours to fill out. Keeping in mind this is the home I live in and purchased in the late 1980 's. I owe them around {$220000.00} on a home worth over {$850000.00}. I have spent hours on the phone with their customer " service '' people and one time I was on the call for over 4 hours, spending an additional 3.5 hours filling out the form, then was kicked off with non of the information saved!

It is odd to me, that the other two lenders could give me the covid-19 help with a simple phone call and Zero paperwork, zero hasle, zero computer time. Yet, the home I live in seems to be impossible. In fact, I just got off the phone with SPServicing and was directed again to their website. This time however when I got kicked off it magically saved my information. Also, the gal I spoke to today said nothing shows as submitted when i have submitted several times. All I want is what the other serviceswere able to give me, which allows me to keep my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I GOT A LOAN FROM ONE MAIN AND THEY PULLED MY CREDIT TWICE AND THEY OUT-OUT FROM PROMO INQUIRIES, THERE 6-7 ON XXXX AND 4-9 ON XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX 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, XXXX, Experian 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, XXXX, and Experian. 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 XXXX, XXXX, and Experian 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, XXXX, and Experian 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 XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$950.00} XXXXXXXX Date Opened XX/XX/XXXX Balance {$2400.00} XXXX Card Date Opened XX/XX/XXXX Balance {$1900.00} XXXX Date Opened XX/XX/XXXX Balance {$1600.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$740.00} XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Balance {$5300.00}
Product: Credit reporting or other personal consumer reports

Someone has used my social to try to open several accounts since XXXX to current from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  dollar bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Simply put, among many issues ( some of which are reported here ), one of my loans was closed without my content. I had asked for a full refund AND to close the loan. The statement was clearly bound by the 'and ' yet without clarification or another word closed the mortgage. I then had no recourse to collect my money back or continue with the mortgage. They should either refund the full application fee or reopen the mortgage application as my intent was not to close it without the refund, hence the and statement. Thank you for understanding. 

Loan Number : XXXX Complaint against : XXXX XXXX | XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX  | Chase | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX | Office : XXXX | XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX ID XXXX | XXXX | Office : XXXX If the chase team wants to reach me can call me on my recorded line or leave me a VM. After many unethical actions by this chase executive office team, i am no longer able to take their calls on non-recorded lines. When they get my VM, they state they are still researching yet when called back from a non-recorded line they miraculaly make up facts and close the case at their convenience. XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I find out I have been a victim on an internet wire transfer. The scammer/hacker intercept a closing and provide wrong wire instruction and money went into a Bank of America account XXXX This was wrongfully wired to a domestic account with Bank of America. Since the discovery of this, XXXX XXXX  has filed a XXXX recall, XXXX against Bank of America for a recall. It's been pass 90 days and Bank of America has only been responding the case is still under investigation and no additional information has been provided. Both XXXX XXXX XXXX and Bank of America are ignoring to further investigate into this case. Both party are denying information to me. XXXX XXXX from Bank of America responded to the first complaint by stating they will open a new internal case and ask me to provide a copy of the wire transfer and I did back in XX/XX/2022. When I called back to get more information about the case, she stated she has no further information and can not disclose any information regarding the status or when will the case investigation be over. XXXX XXXX at XXXX x XXXX XXXX XXXX from XXXX XXXX XXXX Bank has not responded to my inquiry on the status of recover the fraud wire. 
When I contact XXXX XXXX XXXX Bank to follow up, XXXX XXXX  say XXXX XXXX and their representative did not contact them or respond to the inquiry. Bank of America have ignore and left the case as opening and refuse to cooperate with XXXX XXXX XXXX Bank to resolve this. 
How can the public trust and be protected if both these big financial institute refuse to resolve client 's issue in dealing with a domestic account? Why is Bank of America allow to not respond to XXXX XXXX XXXX on a domestic wire transfer fraud and leave the case in open for months?
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX, I was frauded in several ways, and somehow these accounts have appeared on my credit report : XXXX XXXX, and Goldman Sachs And Co. I have never shopped at either of these companies, yet I just got a notification from XXXX XXXX that my XXXX XXXX line of credit has been reduced because of delinquent payments on these accounts. I don't know how to correct this mess. Please advise. I need these removed from my XXXX credit report. I have tried contacting them, and they said they would research this fraud.
Product: Credit reporting or other personal consumer reports

I called today and asked for them ti remove the hard inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a letter twice one in XX/XX/XXXX and again XX/XX/XXXX about an account that was inacurrate reporting on my consumer report and when I received the results XXXX  deleted the account but Equifax and XXXX  are still reporting this inaccurate account after several attempts I received no response. I sent in MY 3RD request XXXX ago providing proof that XXXX  removed the account and still to this day I have received nothing from Equifax or XXXX. I ask that you please help me as this is becoming a hinderance to my livelyhood. I'm trying to move and this is keeping me from doing so. I should not have to keep waiting another 60 days for this to be resolved. I sent these letters certified mail tracking # XXXX and XXXX so I know they received it so what is the problem? I need answers and not excuses please help me get this corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy Federal Credit Union is reporting an account on my credit incorrectly and i have disputed this account numerous times, its a credit card account that was opened in XXXX first of all its past the statue of limitations for reporting and secondly they're listing it as charged off every single month from XXXX on my XXXX credit report but on my XXXX credit report they're reporting perfect payment history from XXXX, how is it a derogatory account and a collection if you're reporting perfect credit history on one report, none of the reports are reporting correctly they're reporting fraudulently and i know that its a violation to charge an account off every single month. I have asked numerous times for debt validation and haven't received any correspondence from this bank, that is my right! They can not report incorrect information and they are supposed to respond to dispute claims. Ive attached documents below... I'm asking for this to be corrected immediately as this is harming my credit scores. ive disputed this account on XXXX and XX/XX/XXXX and still have not received anything that ive asked them to provide and this account is now XXXX XXXX XXXX .....
Product: Mortgage

Mortgage company returned a {$100000.00} payment on a loan. 
The loan is NOT in default. 
No reason was provided for why the payment was returned.
Product: Checking or savings account

This is a continuation of complaints XXXX, XXXX, XXXX, and XXXX. I called USAA to follow up to see why our debit cards are still frozen after providing them scans of our passports, taxes, my military orders, etc. She transferred me to a supervisor ( I was on hold almost XXXX minutes while waiting for the supervisor ) and the supervisor informed me that we had to answer questions. I said what questions, the ones the previous customer service agent said she needed and that are answered in all the documents I submitted to USAA ( income from me and my wife, etc. ). 

She said that they wouldnt even be able to unfreeze our cards since that team works only Monday through Friday. So USAA contacted my wife this morning ( XXXX XX/XX/2023 ) and they kept me on hold for over half an hour even though they knew they couldnt do anything this weekend. 5 days and counting of having our debit cards suspended, talking to over half a dozen customer service agents ( between me and my wife ), using our Polish phone to call a US number racking up our phone bill, then USAA providing a memo ( with hardly any details ) generated only after me calling and being backdated to before I inquired, and there is still no resolution.
Product: Credit card

Very upset with company they closed my account the day i made the payment they had me verify my bank thru there system today to get my credit sooner then sent me a email to do so. I accidentally made a mistake and made a payment online thru a old bank account that is associated with my active account which is still the active account so i called in when i noticed today that my account was restricted spoke with representative he never said anything for a whole minute so i asked to speak with a supervisor and he was very rude he threatened me by telling me that he not reopening my account theres nothing your going to able to do u should hang up call someone else rude he yelled at me im so depressed by the way this representative spoke with me
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting, XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Accounts # 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: Prepaid card

On XX/XX/2024 I called Experian Credit Reporting to request they reverse charges for Experian XXXX XXXX : {$24.00} per month. 

I asked Experian to reverse the charges and cancel the membership for Experian XXXX, they said they will cancel the membership but not reverse the charges. 

They say they will not charge me anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have told Experian several times that they are not listing an account that has over XXXX in it. They simply won't list it.
Product: Debt collection

I previously spoke with both the hospital & collectors regarding this bill. Both said they were trying to help me figure out where the charges came from. I paid cash fees, upfront, for the procedure related to this bill. The itemized bill statement that was sent to me does not make sense in terms of how the miscellaneous charges add up. XXXX could not explain who charged the extra {$500.00} on my bill & stated they would look into it & contact my insurance & surgeon.
Product: Mortgage

On approximately XX/XX/XXXX, I received an Escrow Analysis that had shown we had a escrow shortage of {$1300.00}. When reviewing the Analysis it was noticed that the shortage was due to property taxes being disbursed outside of the terms in which the escrow account was originally set up. Originally my mortgage was set up with property tax disbursements to happen XX/XX/XXXX and XX/XX/XXXX. When my mortgage was transferred to Flagstar in XX/XX/XXXX from XXXX the escrow was set up correctly, which is evidenced by the XXXX escrow analysis from XX/XX/XXXX. When XXXX received my mortgage transfer from XXXX they altered the escrow disbursement date and paid the entire property tax bill in full in XX/XX/XXXX. By Flagstar making this change on their own it caused my escrow account to be short, which in turn is causing me to either pay Flagstar the shortage amount or have my mortgage payment increased over $ XXXX/mon. On XX/XX/XXXX I contacted Flagstar 's Escrow department and spoke with XXXX regarding the above referenced issue on my escrow account. XXXX put in a request to have a new escrow analysis completed as a rush, which he said would take 3-5 business days. On XX/XX/XXXX we checked account on the Flagstar website and a new escrow analysis was completed. This time with the updated escrow analysis showed the correct disbursement dates of XX/XX/XXXX and XX/XX/XXXX along with now and escrow overage. I also noticed on the new analysis that Flagstar was showing an HOI disbursement in XX/XX/XXXX for over {$3000.00}. My HOI is approximately $ XXXX/yr. I subsequently called Flagstar about the analysis on XX/XX/XXXX to inquiry about this issue and attempted to review the XX/XX/XXXX analysis with a representative from the Flagstar escrow department. I reached the same agent XXXX as I did back on XX/XX/XXXX and XXXX first was able to tell me that the {$3000.00} HOI disbursment was to Integrity insurance, which is my insurance company, but they have no record of receive any such payment from Flagstar. Upon additional questioning, XXXX stated that he could see the escrow analysis was in fact completed on XX/XX/XXXX, but was not available in any of the three systems that he was able to check and couldn't tell me what happened to that analysis. I had another expedited request opened, but he wasn't able to transfer me to a supervisor and could only put in another request. XXXX did verify that he was able to see the original loan documentation that showed the property tax disbursements were to be XX/XX/XXXX & XX/XX/XXXX for each calendar year and also saw that is how the escrow account was set up at XXXX prior to the transfer to Flagstar. I simply want Flagstar to correct my escrow disbursements to the correct date and adjust any account balance difference caused by the malpractice.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XX/XX/year>
Product: Student loan

My Great Lakes is charging interest during forbearance. I paid all outstanding interest on all loans. There was a {$0.00} interest calculation on my account summary page the last time I made payments of {$500.00} and {$5500.00} on XX/XX/XXXX and XX/XX/XXXX. Now, I see interest totaling {$110.00}. How can interest go from {$0.00} to {$110.00} in three weeks if the interest rate is 0? They claim this is interest accrued prior to XXXX. Since all interest had been paid previously ( I have screen grabs ), I can only gather that that this is an honest error that they have refused to correct to date or its a falsification. 

Also, if you look at the payment history, you see an interest balance of {$0.00} on the Grad Plus loans and an interest balance of {$2.00} on the Stafford loans. First, the {$2.00} charge is wrong given forbearance, but what about the discrepancy between {$2.00} and {$110.00}? They claim the {$110.00} charge is due to the way I chose to have payments allocated between loans. However, this can't be true because ALL interest was previously paid. If no interest is accruing, and all interest had been paid, how can you back charge me interest with no accounting to show how you got that number? 

This is the second time interest has gone from XXXX to a balance during this forbearance period. You can't continue to back date interest.
Product: Debt collection

You are suggesting in response to CFPB complaint XXXX-XXXX  that this a bill from emergency room physicians for services provided during a hospital visit and is separate from hospital payment. 

This prohibited practice is called " balance billing '' and is contrary to Florida Statute 627.64194 ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Balance billing is ILLEGAL in the State of Florida. Please delete this claim from XXXX. 

From this point on, any reporting of this claim to a credit reporting agency will be in violation of Federal law 15 U.S. Code 1681s-2 -  Responsibilities of furnishers of information to consumer reporting agencies. Knowingly and willingly reporting an illegal or invalid claim puts XXXX XXXX XXXX  at risk for damages and all attorney 's fees. 

At this point, I am only requesting that you delete this claim from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Purchased a XXXX  at XXXX XXXX XXXX, for internal commute purposes, and had it financed with XXXX XXXX XXXX XXXX as this was set up by the team at XXXX XXXX. 
After a few months reviewing my credit scorXXXX, and various calls and claims to the credit agencies I found out that the vehicle loan I obtained from XXXX XXXX XXXX via XXXX XXXX XXXX is in the form of a credit card, not a vehicle loan. 
It is incredible and outright fraudulent to not warn, disclaim and thoroughly explain a client and costumer on the terms of a loan agreement, I would not have purchased the vehicle knowing these terms and conditions. To say the least, negligent on behalf on XXXX and XXXX, but more to an action not to be considerer as good faith in business, and truly deceitful and misleading. 
On a call with XXXX XXXX XXXX XXXX, the person that responded my call and questions was very rude, and intended to disregard the situation, and further try to convince me that the XXXX  i purchased was not a vehicle. 
I can not comprehend the audacity of this person to say such, as this vehicle is registered in the Florida XXXX and carries a license plate, and is my sole vehicle in Florida. 
Right now, instead of a newly agreed vehicle or even personal loan, that just started to amortize, credit agencies treat such as a maxed-out credit card. 
This has impacted my credit score for the past few months, and I was in plans to purchase property early next year.
Product: Debt collection

Ive sent out a debt validation to Caine and Weiner company on XX/XX/XXXX/17 they could not validate this debt for {$120.00} because it wasnt mine so therefore they removed it. XXXX removed it off my credit report but XXXX did not! The debt is not mine and I would like it removed from my credit report as soon as possible