23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am currently in the process trying to secure a mortgage for a new house. When my lender went to process my file I showed up as having a foreclosure in the last 3 years ( XX/XX/XXXX ) ... This is where my complaint starts, and it is in regards to my previous mortgage situation ( XXXX XXXX I believe acquired by Bank of America ) that I secured in XX/XX/XXXX. Starting in XX/XX/XXXX, CountryWide initiated the foreclosure process ( See Attachment # 1 ). In XX/XX/XXXX, I vacated the property and started the process for Chapter XXXX bankruptcy. The bankruptcy included the property ( See Attachment # 2 ) and final judgment was issued XX/XX/XXXX ( see attachment # 3 ).  Then in XX/XX/XXXX the foreclosure case initiated by Countrywide was dismissed because they failed show up to a hearing according to court records ( See Attachment # 4 ). I believe the mortgage* was acquired by Bank of America through their acquisition of XXXX XXXX . In XX/XX/XXXX, Bank of America initiated the foreclosure ( See Attachment # 5 ), final judgment issued XX/XX/XXXX ( See Attachment # 6 ) and sold the property to XXXX XXXX as of XX/XX/XXXX ( See Attachment # 7 ). This means that the property wasn't foreclosed on for roughly 9 years. I did some research ( I understand not official ), but there were articles referencing in the state of Florida companies have years to file foreclosure and then in XX/XX/XXXX I believe there were a few appeal cases that allowed lenders not to go by the 5 years ( I don't know too much about this ). I believe the lenders have an obligation to foreclose on the properties in a timely fashion. This is something that is almost a decade old and it is preventing me from purchasing a new at this time even I followed the correct process back in XX/XX/XXXX. This foreclosure is showing up in the HUD CAIVRS report as a foreclosure in the last 3 years. It is not fair the lender did not timely foreclose on this property. I believe this potentially could be an unethical and unfair practice by the lender. It took them 9 years from when the initial foreclosure started in XX/XX/XXXX. I did my part and they did not do theirs. This should have foreclosed back in XX/XX/XXXX, but they failed to show up to their own hearing. Thank you for taking the time to review this and their practices. I hope this can get resolved as I am currently under contract for a house with a closed of XX/XX/XXXX. Have a great day.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint against TransUnion, XXXX, and XXXX due to their failure to correct inaccuracies on my credit report despite multiple dispute attempts. The information remains incorrect and continues to harm my credit profile. 

The credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) in the following ways : FCRA Section 1681c ( Exclusion of Information After Specific Periods ) The reporting of outdated information on my credit report violates the FCRA, as the account in question should have been excluded after the legally required period. 

FCRA Section 1681i ( a ) ( 1 ) ( A ) ( Reinvestigation of Disputed Information ) The credit bureaus failed to conduct a reasonable re-investigation of the disputed information and did not provide adequate evidence to support the validity of the reported items. 

FCRA Section 1681e ( b ) ( Accuracy of Information ) The credit bureaus have failed to ensure the accuracy of the information on my credit report, resulting in the continued reporting of inaccurate data despite my efforts to dispute it. 

I am requesting that the CFPB investigate the matter and take appropriate action to ensure that the credit bureaus comply with the FCRA by correcting the inaccuracies and addressing the violations outlined above.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against the credit reporting agencies ( Experian, XXXX, XXXX ) for not properly responding to my demand for wet ink signature agreements in the investigation for verification of the accounts making claims on my report. 

I have been trying to dispute inaccurate information on my credit report for several weeks now. 

I have contacted the credit reporting agencies multiple times and have sent them demand for wet ink signature agreements requesting that they investigate the accounts making claims on my report. 

However, the credit reporting agencies have not responded to my requests and only updated the information furnished from the same entities that initiated the erroneous claims to extort money from me and further injure my reputations I am frustrated and concerned that the credit reporting agencies are not taking my dispute seriously. 

The inaccurate information on my credit report is having a negative impact on my life. 

I am being denied credit because of the inaccurate information. 

I am also concerned that the credit reporting agencies are not following the laws and violating my rights. 

The Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to investigate disputes and to correct inaccurate information and report in accordance to my written instructions. 

The credit reporting agencies are not complying with the FCRA by ignoring my requests and demands. 

I am requesting that the Consumer Financial Protection Bureau investigate the credit reporting agencies for their failure to respond to my demands for deletions of the XXXX XXXX XXXX XXXX XXXX, all hard and soft inquires, and records of late payments including XX/XX/90 day late payment reporting on the grounds that my signature consent was never garnished in the reporting of any of my information, my rights were never disclosed which wasted even more valuable time, and this very nature of the credit reporting practices being discriminatory, predatory, and defamatory ; which has led to adverse actions preformed against me, wasted time, mental anguish, significant financial hardship, and an unjust monetary benefit at my expense due to their cooperation with other companies to extort me by deceptively violating my consumer credit transaction rights. 

I am also requesting that the Consumer Financial Protection Bureau take action to ensure that the credit reporting agencies comply with the FCRA. 

Thank you for your time and consideration. 

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

This is not my loan I have police reports and whiteness to this my identity was stolen and someone we were renting our garage too at the time took a loan out in my name and collected this using my information
Product: Mortgage

Every single year since the mortgage originated ( XX/XX/XXXX ) my  escrow has increased by {$200.00} because the mortgage company isnt calculating escrow properly, or is not paying taxes properly. The first year my mortgage increased by ~200 in XX/XX/XXXX, then I got a refund for overpayment in XX/XX/XXXX of about {$900.00}. Then my mortgage jumped back up by about ~200 a few months ago, and once again I am getting a letter reflecting a shortage in escrow. My taxes have increased, but its insignificant compared to the increase in monthly payment. 
When I asked them, they said they paid the taxes incorrectly. This is a costly mistake for me, as the mortgage keeps increasing by {$200.00}! Is there any action I can take against them, as the unpredictability is not good financially for their customers, and feels unethical.
Product: Credit card or prepaid card

Is with capital one., I only have 1 card & some one I don't know., because is not me take mother card with my credit, account and my information., I only have 1 capital one credit card., no 2., cards in the experience appears 2 card with capital one credit card., went I have only one capital one credit card.
Product: Mortgage

SPECIALIZED LOAN SERVICING LLC has failed to remove PMI from my account. I submitted the documentations necessary and requested an appraisal as instructed by the company, however, it has been over 30 days without having PMI removed from the account. No appraisal has been scheduled. I submitted the paperwork the XXXX of XXXX. SPECIALIZED LOAN SERVICING LLC received and verified the paperwork XX/XX/XXXX. I called XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with no success in getting PMI removed. The new Tax Bill for my property has an estimated current value of 58 % LTV, well under the 78 % threshold for PMI removal.
Product: Checking or savings account

In early XX/XX/year>, my account with Cash App was closed. After my identity was stolen, I relied on this service for direct deposit. Cash App closed my account without any explanation but without any issue in still allowing charges to be attempted to my account. Due to this, I fell behind on bills and other essential payments. Customer service did nothing but tell me the latest they'd get back to me would be 30 days. Over 30 days later, still no answer. I submitted a complaint to the CFPB and they were able to get Cash App to respond, where I was told on XX/XX/year> that Cash App had " reinstated [ my ] account '' and that I " now [ had ] full use of Cash App and no further action [ was ] required at [ that ] time. '' Cash App never reinstated my account completely. Recently, on XX/XX/year> I attempted to order a new card, but contacted Customer Support when the option to get a new card ( after they cancelled my old one ) was unavailable. On XX/XX/year>, Cash App support sent me an email telling me they " have determined that you are not eligible to appeal your account closure, '' without even as much of an explanation or acknowledgment of their previous report.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) allows me to dispute any information on my credit report that I believe is inaccurate. This law requires all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false. I will fight back with all my strength! The accuracy of your credit report is crucial. The allegations you are reporting on do not meet federal or state requirements for reporting and can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what's being said. You are required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format. This is required by law ( FCRA ) as well as reporting standards METRO 2+, so please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately or else there could potentially be serious consequences, so I'm giving you 30 days from now ( the date of delivery ) in which time hopefully everything can become clear and correct itself with no need for intervention or escalation! I would like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case!
Product: Credit reporting or other personal consumer reports

This is my second time I'm disagreement with the account listed below with my credit report still appearing, even after your investigation. I would like item immediately- re-investigated. the inaccuracies are highly to my credit score. 

XXXX Account number XXXX in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Sections 611, please provide the name and business addresses of each individual with whom you verified above so that I may follow up. Please send an updated copy of my credit report after your re-investigation.
Product: Checking or savings account

hi my name is XXXX I do crypto and I was lucky enough to sell my nft for a whopping XXXX I went to the bank opened up a sunny trust account a month ago and bingo I wire transferred XXXX in to my suntrust. ( XXXX - suntrust ) I went to the teller same day asked for XXXX she gave me it no problem. I did went to a car dealership to buy a car in doing so I had to get a cashier check. The banker told me XXXX cant touch my funds bc it has to be verified. I said thats weird she gave me XXXX at the other bank. Then I was like okay Ill wait 1 day passes they close my account the bank hasnt sent me my check. XXXX check Ive waited months and months. Please Im only XXXX XXXX XXXX I didnt do anything wrong I have recipes prof and conversation with binance agents on my email as well stating that the funds are with the bank. The bank hasnt gave me any info I go to the branch in XXXX XXXX she tells me theres nothing I can do. Please help this has been a month. Im sleeping at friends house for the time being Ive lost thousands of dollar due to not having the funds to invest. I have a XXXX XXXX  Im XXXX. They have out me in the worst position ever. I have no idea what to do now.
Product: Bank account or service

My wife died on XXXX and soon after Bank of America ( BOA ) froze her checking account and forwarded forms to be completed and submitted after probate. Connecticut has XXXX forms of probate filing : standard and small estate which is for estates have no more than {$40000.00} of solely owned assets. As the named executor of her will I filed under the latter. It should be noted that the small estate filing does not require that assets be transferred to an estate account pending disposition. 

Upon receiving the appropriate probate form I took it and the other required forms and documentation to the nearest BOA branch for assistance with their completion and submittal on XXXX. Bank representatives assisted in filing in the forms and said that they would electronically submit them. I requested a check payable to me and was informed that it would take three to four weeks for the processing and that I would receive a check within that time frame. 

Because I had no status reports from BOA I called the phone number on their document on XXXX and was told that they had no record of receiving any filing. I was instructed to return to the branch and have a branch representative contact them so that this could be resolved over the phone. 

I returned to the branch and after much phone conversation between the branch and a central location they agreed to issue a check for deposit to an estate account. The branch representative stated many times that there was no estate account and that it was not required. Basically the central location was saying no estate account no check, completely ignoring Connecticut law. The State of Connecticut Petitioner 's Probate Certificate XXXX Rev. XXXX sates : " The undersigned hereby certifies that the petitioner in the above-named estate has been authorized by the court of probate in accordance with the provisions of C.G.S. XXXX to sell or transfer the following : Bank of America Checking Account '' Because by now I was totally disgusted and wanted nothing more than to get out of there I agreed to accept a check that they would overnight. 

Upon receiving the check which I could not deposit, I contacted my lawyer who stated BOA routinely ignores Connecticut provisions. I have asked others if they had similar experiences with BOA. All were uniform in stating that in any dealing with BOA, they dictate the result. 

I request that BOA be directed to accommodate state laws that may have may require their acquiescence.
Product: Credit reporting or other personal consumer reports

I have submitted multiple documents regarding being a victim of XXXX XXXX I was asked to provide more information ; however, every time I try to upload documents, the system does not allow me to do so. The ability to submit is impeding a timely deletion of adverse information on my credit report that was a result of XXXX XXXX
Product: Debt collection

contacted the company fraud department concerning the issue with the card. Explain to the fraud rep I didnt make the charge. The rep was aggrevated until I asked where was the charges made and she told me I looked up the charge and it was made over 150 miles away from my home. Rep then got up set and said well thats not far and we will dispute the charge but we will not send you another card I asked why is that and she said its the procedure and I asked where in the card memeber agreement is that and she said I cant give you the exact place. I didnt make the charge on my account please dispute and send me my card please. This card is also reporting late on my credit report they have XXXX in late fees and interest charges I didnt make
Product: Debt collection

My husband and I rented an apartment with the XXXX in XXXX XXXX. Upon move-in, the apartment was not in proper condition. They left a huge space open to the outside, which took days to fix, so our apartment was exposed during this time. They provided us with broken fixtures, the bathtub fell completely apart, maintenance broke our wall while trying to fix the bathtub, the dishwasher broke all within 30 days. So, we followed up on our ability to break the lease at that point ( after numerous emails with photos attached of all the damage ) which was stated in our lease contract that we were allowed to do, and the apartment complex refused to get into contact with us to complete this request, and then tried to claim we did not file the paperwork in the allotted time frame.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$19000.00} Late/Open
Product: Debt collection

A person from Midland Credir has called my number several times asking for a person named XXXX. I have politely told him that there is no one here with that name. He says he will not call back but a week or two later he calls back. The most recent call occurred XX/XX/2018 at XXXX PM. The caller identified the caller as being Midland Credit. The calling number was XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accounts and inquiries listed on my consumer credit report, as referenced below, as they appear to be the result of a data breach, fraud, or unauthorized activity. I am requesting verifiable proof, including my signature or electronic signature, to support these claims. This letter is being submitted directly by me, not through a third party, so I kindly ask that you review it thoroughly. 

These actions were not authorized by me and constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, FCRA Section 605B [ 15 U.S.C. 1681c-2 ], which mandates the blocking of information resulting from identity theft or fraud, and FCRA Section 604 [ 15 U.S.C. 1681b ], which regulates the permissible purposes for accessing consumer reports.

I have already reached out to the companies involved and confirmed that these actions were taken without proper validation or the necessary proof. As such, these accounts and inquiries are inaccurate and result from either a data breach or the unlawful reporting of my consumer information by creditors or third-party data furnishers.
Product: Credit reporting or other personal consumer reports

While reviewing my credit report, I discovered inaccuracies that require immediate attention. As outlined in Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, the Equifax major credit bureaus are obligated to verify the accuracy of the listed account. If supporting documentation can not be provided within the legally mandated timeframe, the reporting of such unverified information is not permitted. I request a thorough investigation and necessary corrections for the account appearing on my credit reportXXXX XXXX XXXX : {$0.00}
Product: Debt collection

Frost - Arnett Company keep calling my college daughter and will ask for me. They had no right getting my daughters call number from XXXX XXXX since the bill was n't for she. I am on a payment plan for {$25.00} they call me all the time before the corrected hours to call consumers. They wo n't give their names when speaking to me. There is never any notes! They demand to know my employers phone number but because I work in a XXXX I ca n't get calls. I want them to stop calling my daughter. They had no right getting her cell number. This has to stop!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXXXXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name XXXX XXXX XXXX Account NumberXXXX  Account Name : XXXX XXXXXXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.