23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Mortgage Company : BSI Financial Services XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Main line XXXX Ext. XXXX Fax XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX Office Hours XXXX XXXX XXXX XXXX XXXX  ( Central ) Loan Type : FHA After missing 2 mortgage payments due to a reduction in my hours at work back in XX/XX/XXXX related to the pandemic, I reached to my BSI Financial Services to request a mortgage loan assistance in the form of Loan Modification. 
I was then contacted via phone on XX/XX/XXXX by XXXXXXXX XXXX  XXXX, who presented me with 3 different Covid-19 Waterfall Options that would modify my FHA loan interest rate and balance. I was then sent a follow-up email on XX/XX/XXXX at XXXX est. pm that detailed our phone conversation and told to select the Covid-19 waterfall option of my choice. I made my choice via email as instructed and sent the responding email with the necessary requested information on XX/XX/XXXX, at XXXX XXXX est. I then followed up with an email on XX/XX/XXXX XXXX XXXX est. to confirm the receipt of my previous emails to XXXX XXXX. 
She responded XX/XX/XXXX XXXX  XXXX  " Hi Yes received document. Thanks ''. 
Additionally, I sent emails on XX/XX/XXXX and XXXX after no communication asking for advisement on the next steps in the process to set expectations. I was sent an email on XX/XX/XXXX and XX/XX/XXXX that the department was behind and working on getting the necessary paperwork out to me with no set date. 
I have continued to email the original loan officer monthly for an update and have not heard anything and as a result I have called BSI Financial Services monthly since XX/XX/XXXX to express my concern involving the lack of follow- up via phone call, mail or email during this process. 
To date I am unable to utilize the online payment system because the account has been XXXX. I have resorted to calling in to make payments and have yet to receive any of the aforementioned assistance discussed over 4 months ago. 
I am deeply concerned about this company, their practices, failure to communicate and provide assistance.
Product: Mortgage

XX/XX/XXXX asked for modification and received note from Greentree showing loan interest rate drop to 6 % and new payment to be {$1500.00} effective XX/XX/XXXX. ( XX/XX/XXXX spouse lost job and we were able to pay until XX/XX/XXXX ) XX/XX/XXXX filed a motion to get a loan modification from Greentree and also filed with Michigan Homeowners Assistance. Got help paying 5 years of taxes and was also told the loan modification we received in XXXX was not a true modification. Housing value was not brought down to value in area. 

XX/XX/XXXX tried again to get a loan modification because feferred amount showing {$45000.00} and we were told we didn't have a XXXX XXXX or XXXX XXXX loan so we did not qualify and investor would not work with us. 

XX/XX/XXXX sent letter to Ditech asking why we still owed so much on the loan and trying to find proof of the loan modification and they said everything was done over the phone and they could not show proof. 

XX/XX/XXXX met with realtor to put house up for sale, received a payoff of {$230000.00} but on the mortgage statement and credit report it shows {$170000.00}. Called Ditech several times and just keep getting the run around and transferred to different people. 

XX/XX/XXXX received a letter from Ditech that our original account was closed and a new account number was given to us. Now we received a new statement and letter stating our payoff is {$270000.00}. The payments were making are going to a deferred account and no one can explain why or where the new amount came from. 

Ditech filed bankruptcy and this is when our account number changed and also now our credit report is showing a charge off. WHY we still can't find out. 

According the the Michigan Affordable Housing Ditech ( Greentree ) did not do a true modification but just lowered our interest rate and put everything on the end of the loan. Another reason we are questioning and where is documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I applied for a Simplicity Citibank credit card and was denied. In the denial letter, Citibank stated that the denial was based on negative information reported by XXXX. After contacting XXXX and receiving a copy of my credit report, I was informed by XXXX that I had no negative information that could have been used in Citibank 's decision. After days and hours on the phone, I was finally able to contact a representative from Citibank who informed me that their internal records system showed I still had a negative account from XXXX ending in # XXXX. This is an error on Citibank 's end, as this account was included in a Chapter XXXX Bankruptcy in XXXX. Citibank declined my application for a credit card 12 years after the fact using internal records and data information that was not provided to any of the 3 credit bureaus, yet it was the main piece of information used against me when judging my creditworthiness. This behavior is unacceptable to me, to use outdated internal information ( that is actually incorrect and should have been properly been listed as " included in BK in XXXX '' ) for a credit decision that the consumer doesn't even have access to and can't properly dispute through the credit bureaus. I was able to obtain the address for Citibank 's internal dispute department and wrote them on two separate occasions, yet have not received any type of communication from them. Please assist me in this matter, as Citibank is completely ignoring me. Thank you.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX     2013  to  XXXX     2013  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Checking or savings account

I have a problem with Wells Fargo. Upon trying to transfer funds in excess of {$5000.00} to another bank via their bank-bank transfer ( ACH transfer ), I discovered that they do not permit more than {$5000.00} in XXXX day nor more than {$6000.00} in 30 days. I have looked thoroughly through all their customer account agreements and have found no such restriction. It is my money and if I wrote a paper check against the account they would have no choice but to honor it. So why the ACH limit? Can they do that? 

This is just XXXX more example of why the arbitration clause should not be permitted in consumer agreements. 

XXXX
Product: Debt collection

MEDICAL BEING REPORTED THAT I WAS UNAWARE OFF.. I never received notice that you were going to insert negative data on my credit report, as you are required by the FCRA. MEDICAL DEBT UNDER {$200.00} IS NOT TO BE LISTED ON MY CREDIT REPORT. I NEVER RECIEVED AN ITEMIZED STATEMENT PROVIING THIS DEBT IS IN FACT MINE. A bill without a signature does not validate the debt and anybody can send a bill and say its mines.According to the FCRA, AMERICAN COLLECTIONS SVCS.INC. 
XXXX XXXX XXXX XXXX XXXX  XXXX OK XXXX ( XXXX ) XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately. 
This violated XXXX laws and all. My information should have not been sold. It is confidential information.
Product: Debt collection

There are collections on my account that do not belong to me and addresses that do not belong to me. Im a victim of identity theft Ive sent in copies of ftc report police report and proof of new address and no updates or responses have been sent. I was apart of the data breach. On XXXX XXXX, XXXX, the Equifax credit bureau publicly revealed its computer networks had suffered a data leak that exposed the personal information of XXXX XXXX consumers, a number later raised to XXXX XXXX. This is against the law. Ive contacted each credit bureau numerous times and was told that I will have results within 60 days and that was on XX/XX/XXXX, XX/XX/XXXX and today is XX/XX/XXXX. The first contact was XX/XX/XXXX and I am outraged by the false follow ups delays and inaccurate info. The collections listed on my account are inaccurate and false reporting I have attached proof of my only listed address that has been associated with me. I have no had a lease in my name and medical bill. Please advise Notice of Complaint****Pending Lawsuit****** ( Pending Date XX/XX/XXXX ) Re : Intent To File Lawsuit for FCRA Violation This is a warning. 
****This letter indicates a possible or impending danger, problem, or other unpleasant data********. 
It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 4 previous letters to you, all by certified mail requesting that you XXXX Equifax and XXXX remove inaccurate information from my file and you have failed to do so. 
Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. They have violated many laws. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and these reasons were not frivolous in any way. 
If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. 
I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum with a complaint to the attorney general and federal court. 
Under the XXXX XXXX XXXX Reform and Consumer Protection Act, the CFPB is authorized to take action against institutions engaged in unfair, deceptive, or abusive acts or practices, or that otherwise violate federal consumer financial laws. Under the consent order, you may pay a {$3.00} XXXX penalty if civil penalty under enforcement action. The CFPBs investigation into these matters has been ongoing for nearly three years I await your response
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a loan for XXXX $ from XXXX XXXX for one year. I paid in full and receive a confirmation letter and payment history from them, because I have to report the lease to the credit bureaus myself. The company will not and does not report to any bureau. I called the bureaus that I have and they can not expect any report of my lease only threw the company. I am stuck please help me put my leasing to the credit bureau.
Product: Checking or savings account

I opened BMO relationship checking account on XX/XX/2023 and got confirmation letter the same day. But as of XX/XX/2023, I still can not access online bank : BMO online bank website says it can not find my records. Even though I deposited {$25.00} as inital depost and {$2500.00} direct deposit from my employer, and I have received phiscal checks and debit card. 

I have called BMO customer service more than 3 times, none of them are able to resolve my issues, and saying they can not find my records neither. 

Now, since BMO customer service can not find my records, they are unable to help me or close my accounts.
Product: Debt collection

XX/XX/2023 and I recently contacted XXXX XXXX XXXX XXXX XXXX after receiving a letter in the mail stating that I owed them a balance. I contacted my insurance to verify. My insurance company stated that there were no claims attached to me or my dependents names. You stated that I owed {$1.00}, XXXX and {$1.00}, XXXX. 

I called and requested more information to verify that the claim was accurate, and the debt is mine. As I was speaking to the agent, I asked a particular question, and he ended the call immediately. I called back and then there was no answer. The number I called was XXXX, ( XXXX XXXX, Recovery XXXX ). 

I have no remembrance of the original creditor. So, to investigate this debt, I will need more information such as : The date of service Itemized receipt stating what service was performed Billing Receipt Healthcare Provider The type of insurance that was used this way I could contact my insurance company to match the codes and cost of service I work at the largest hospital in my state. I would not go to an unknown hospital for treatment. I have insurance to use for treatment. There is no record of payment or charges for the original creditor by my insurance for the dates. 

As a consumer, I have the right to demand proof of ownership and verification of the services rendered. Do I need to provide the US Code? I am entitled to this information in order to ensure that I am not being overcharged and that the services being billed to me were actually performed. 

Thank you for your time and enjoy life.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, I sent my first letter tXXXX XXXX XXXX  requesting verification of Account number XXXX which was reported on my credit report. If I understand it correctly, they are required to follow reasonable procedures to assure maximum accuracy. They did not respond. I made a follow up letter XX/XX/2022, advising that if they failed to respond with sufficient verification and/or comply with the law, then they would be subject to fines and damages, per the FCRA. 

It appears obvious to me that they are abusing their power under the FCRA to escape a complete investigation. Please remove the account from my credit report. I have given them more than enough time.
Product: Mortgage

It is unfathomable that Flagstar management has refused to help me to get to the bottom of this so I can live my life in a peaceful manner. Today, I received a foreclosure doc that stipilulated I missed payments. Lot of calls placed at Flagstar entities to tell us which months that I have missed ... Keep transferring over from Dept after Dept with no end in. Someone was telling me there are purposely trying to XXXX you up. Not only I have docs from XXXX Checking account to support my claim. In addition, all payments made was within Flagstar policy guidelines ( 16 days grace period ). Other relevant facts being told that all payment made, the escrow account team applied the entire amount to the principal, not being fractionalized to the other components of loan such as Taxes, Insurance et Principal... Still in the dark side of the moon. 

In summary : 1- The first 2 docs relate to XXXX XXXX  statement of the funding the property tax XXXX XXXX XXXX XXXX XXXX .. Flagstar1 is the 1st deposit of {$500.00} Flagstart2 is the XXXX deposit of {$4500.00}. 

2- Flagstar proof of cancellation : XXXX XXXX XXXX partial payment cancellation - the {$4500.00}. 
Once the remittance is received and it was mailed to Flagstar Escrow account to cover a fraction of the property tax. 

As noted per XXXX XXXX XXXX. The property tax for the year is {$11000.00}, substracting the {$5000.00} which resulting to ( {$550.00} per month ). 

3- Next is the insurance The insurance was purchased through XXXX XXXX which I paid using my credit card of ( {$1900.00} ) out of pocket. 

In overall, the math aspect of it, is very simple Principal {$250000.00} Mortgage XXXX = XXXX  % Property tax XXXX Insurance is XXXX Roughly the monthly mortgage paymeny ought to be {$1900.00} ish
Product: Credit card or prepaid card

I am an accountant for a small company. The credit card that is in the president of the company 's name fell victim to a compromise of the credit card information. It is believed, as has been reported by many people in the neighborhood of his residence, there was a skimmer on a pump at the local gas station. We received an alert from CITI bank that the card had fraudulent charges on it. At that time, they cancelled the card and sent a new one. We then continued to receive fraudulent charges. CITI then told us they would cancel the new card and turn off " automatic biller '' on their end and we disputed the charges. According to them, automatic biller is their authorization to automatically update to new card information if one has common reoccurring charges to a business. At this same moment, I was also granted " admin '' status to speak directly to CITI on behalf of the primary card holder. The very next day we received more fraudulent charges. I called to speak with CITI and to dispute the new charges. We went through every single charge and they marked them in dispute. The very next day we received more charges. I called in with the primary and they again told us " automatic biller '' wasn't turned off, that they would turn it off, and they would cancel the current card and send yet another new one. This has been going on for weeks. In total, we were told they turned off " automatic biller '' 3 times. We've received XXXX new cards. We received an new fraudulent charge today and I attempted to call to report it today. Today they told me that as an " admin '' they could not talk to me regarding disputed charges and that they could only talk to the " primary ''. 
CITI XXXX department has completely bumbled this whole thing. The scammer has racked up {$1500.00} worth of charges and it continues to climb as CITI has continued to fail. We were also told, despite CITI being in total fault due to their negligence in handling the compromised account, that they were most likely not going to refund the fraudulent charges they helped create. Nothing about how CITI has handled this incident should in any way be acceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was reported to my Experian credit report and it do not belong to me XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTH Balance XXXX. I have files a dispute with Experian however they have not properly investigated it and contacting to report to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get information corrected on my credit bureau report with Transunion and XXXX. XXXX XXXX of XXXX Texas are reporting a medical bill dating back to XXXX of 2014 as a new account.
Product: Credit reporting or other personal consumer reports

I'm writing to address an issue with my credit report from TransUnion, which contains inaccurate information. Several incorrect addresses are listed, but the correct address should be " XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, NJ XXXX. '' Additionally, there is another name incorrectly listed as " XXXX XXXX '' when it should be " XXXX XXXX '' only. Furthermore, my employer is shown as " XXXX XXXX, '' when it should be " XXXX XXXX XXXX '' only. This inaccurate information is causing unnecessary confusion and negatively impacting my credit. Please remove the incorrect personal information immediately, as it violates 15 USC 1681c ( a ) ( 4 ), which requires the exclusion of inaccurate data, and the maximum possible accuracy standard under 15 USC 1681e ( b ). I request that these errors be corrected promptly to ensure compliance with these legal standards and restore the accuracy of my credit report.
Product: Vehicle loan or lease

I reached out to PNC to start a dispute and PNC has not removed the fraudulent loan nor gotten back to me please help me
Product: Debt collection

I am writing to formally dispute certain information in my credit report pursuant to the Fair Credit Reporting Act, specifically 15 U.S.C. 1681. I have reviewed my credit report and identified inaccuracies that I believe violate my rights under the Act. I do not have an contract with Midland Credit Management they have XXXX collections they are reporting unverified accounts to my credit report.i demand they be removed from my credit report.request debt validation letter from them. If you fail to honor my request and discriminate against me for exercise my rights that will be a clear violation under the Law 15 U.S. Code 1681a-b 15 U.S. Code 6802 Please conduct your investigation within the 30-day timeframe mandated by the FCRA. I expect to receive written confirmation of your findings, along with an updated copy of my credit report reflecting any changes made. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit card

I had a Sam 's Club XXXX XXXX XXXX ending in XXXX for several years. This card was issued by Synchrony Bank, XXXX XXXX XXXX XXXX, XXXX XXXX and can be contacted by phone at XXXX. I have always paid my statement on time and in full ; however my XXXX statement was {$1.00} short due to a key punch error on my online payment. I called when my next statement appeared in my email with a {$2.00} fee charge and a {$3.00} interest charge. That is when I was told I had paid my statement {$1.00} short. They refused to credit my account. A couple of months prior to this I switched from paper statement to paperless ( online ) to avoid a {$1.00} monthly paper statement fee. I received another online statement this month with additional {$2.00} charge even though I did not purchase anything on this card. I cancelled the card on XX/XX/year> and told the person this charge was excessive and they refused to offer credit to my account. I was refused credit or any consideration by XXXX different people.As a XXXX XXXX XXXX XXXX XXXX I feel this kind of business practice is ripping off the American Consumer and wonder how many times this happens. Please look into this matter. Thanks for all consideration and effort.
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 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian. 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 {$1100.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$560.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX