23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Our mortgage was acquired by Bank of America when they purchased Countrywide. 
We had a modification in 2012 due to the DOJ National Mortgage Settlement. Part of the modification agreement stated that any escrow amount, or interest that was past due before the effective modification date of XXXX would be added to the principal balance. There were accounting errors that left a negative balance in our escrow account prompting a significant increase in our monthly payment. I reported the error to the law firm that represented BofA, to the customer service rep ( not there anymore ), the Post Modification Dept., Escrow Dept. etc. etc. with XXXX remedy. I was told the only way to clear up the concerns would be to apply for another modification and resubmit all the documents again. Feeling like I did not have another option and the Bank was now not applying my monthly payments b/ they were not " full '' payments, I sent in the modification packet. I received the same type of run around with missing documents, new customer service rep 's, etc. and was ultimately turned down. I appealed and the appeal was turned down. Extremely frustrated, I stopped making payments and was attempting, yet again to reach someone that could make a decision. My loan was then transferred/ sold to XXXX in XXXX. XXXX was missing several documents and was not able to tell me the terms of my loan etc. I have to date sent XXXX 3 Qualified Written Requests per RESPA with one late vague response that did not answer my concerns. I have been in contact with XXXX repeatedly. I have stated that I am still waiting for the documents I have requested showing that they have legitimate rights to collect my payments. I also would like documentation of the transfer agreement and proof that the trust XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX doing business as XXXX XXXX is the true owner/holder of our original note. 
I find the fact of BofA pooling and selling off XXXX of dollars of distressed loans to be unsettling. I have reached out to BofA to obtain more information without resolve. XXXX XXXX has now filed foreclosure complaint. This seems to be a way for BofA to avoid addressing the issues with the toxic Countrywide loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$9800.00}.
Product: Bank account or service

I went to the TD bank ATM located on XXXX XXXX in XXXX Connecticut this morning around XXXX. I proceeded to withdraw {$300.00} from the atm. The atm stated on screen there were " technical difficulties '' and it gave me my card back, no money, but the funds were deducted from my account. We were going to book our wedding venue and this was a huge burden. I was told to fill out paperwork and " may '' get my money back. Please note that this happened a few years ago for {$200.00}, i filed the correct paperwork and they did not return my money. I found out that there were at least XXXX other people today that this happened to at the same location thru our towns XXXX page. They should have said the ATM was out of order at that point. This has been a ongoing problem with TD bank and they are robbing their customers
Product: Mortgage

The loan servicing of our first mortgage was sold by XXXX to Nationstar Mortgage in XX/XX/XXXX. Our XX/XX/XXXX payment was lost in the transition. XXXX has acknowledged that they received our payment on XX/XX/XXXX, and then sent the payment to Nationstar on XX/XX/XXXX. Nationstar claims they never got it. We have been a month behind with Nationstar ever since. Additionally, we have been paying above the required payment amount, yet Nationstar has not been applying that to principal as is common practice. They have been putting the money in a suspense account. Unless I ask them to, they do not apply it. I have called Nationstar XXXX times ; sent emails XXXX times, including filing a claim with them for the lost payment. A subsequent call to their Customer Service department said our claim was declined, although I never received any correspondence to that effect. We are getting saturated with late payment collection calls ( almost daily ) and notices about how they can help if we ca n't make payments. Totally not the issue here. 
My last conversation with them was on XX/XX/XXXX. My mortgage broker and I tried to work our way up the food chain - c/s rep, c/s supv ... - landing on a c/s manager named XXXX. XXXX promised a call back on Monday XX/XX/XXXX @ XXXX a.m. with response after speaking with his Vice President. On XX/XX/XXXX, I called and asked for him. Either he was n't there or was n't taking calls, nobody was sure, nor did them seem to even know who this guy is. To date I have made numerous attempts to resolve this with Nationstar. At minimum, they should bring ouraccount current as they have the confirmation from the prior servicer that my loan payment was received. What they do in the background to get their money is for them to do and not in any way affect my/our status and credit. Of note : because of this payment being " misplaced, '' our XXXX for XX/XX/XXXX will now be incorrect and I fear XX/XX/XXXX reporting will not be accurate as a result.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX, Dept of Education continue to report and include INTEREST on my federal student loans. I have continuously tried to file disputes but XXXX  keeps accepting this information as accurate. Since COVID, until XX/XX/2021 they are not supposed to charge interest on student loans but they have and they have added it to my credit report, which I have disputed with no resolve. From the federal student aid website : Coronavirus and Forbearance Info for Students, Borrowers, and Parents At the U.S. Department of Education ( ED ) office of Federal Student Aid, we are actively monitoring the coronavirus/COVID-19 emergency.

COVID-19 Emergency Relief Flexibilities Extended Through at Least XXXX XXXX, 2021 The COVID-19 emergency relief flexibilities include but arent limited to the following relief measures for ED-owned federal student loans : a suspension of loan payments a 0 % interest rate stopped collections on defaulted loans
Product: Credit reporting or other personal consumer reports

Concurring to the Reasonable Credit Detailing Act 15 USC 1681 area 602 a states '' There may be a have to be guaranteed that buyer announcing offices work out their graveresponsibilities with reasonableness, unbiasedness, and a regard for the consumers rightto privacy. '' XXXX and Experian are buyer announcing organizations and I am XXXX. I have the proper to form beyond any doubt my private data isn't shared whichis supported by 15 USC 6801 which states '' It is the approach of the XXXX that eachfinancial institution has an certifiable and continuing obligation to regard theprivacy of its clients and to secure the security and privacy of thosecustomers nonpublic individual information. '' ( Furnisher of data tocredit offices ) could be a monetary institution by definition beneath that title. 15 USC1681 segment 604 a segment 2 states that " In common Subject to subsection ( c ), anyconsumer announcing office may outfit a buyer report beneath the followingcircumstances and no other : in agreement with the composed enlightening of theconsumer to whom it relates. '' ( Furnisher of data to credit offices ) thefinancial institution and the Customer announcing offices XXXX and XXXX not have my assent to outfit this data and they without a doubt don't havemy composed assent. Any and all assent to XXXX, Experian, ( XXXX ofinformation to credit offices ) whether it be verbal, non-verbal, composed, impliedor something else is denied. 15 USC 6802 ( b ) ( c ) states that " A money related institutionmay not uncover nonpublic personal information to a nonaffiliated third partyunless the buyer is given an clarification of how the shopper can exercisethat nondisclosure option. '' ( Furnisher of data to credit organizations ) Neverinformed me of my right to work out my nondisclosure choice. Not as it were that 15USC 1681C ( a ) ( 5 ) states '' But as authorized beneath subsection ( b ), no consumerreporting organization may make any customer report containing any of the followingitems of data Any other antagonistic thing of information, other than records ofconvictions of violations which precedes the report by more than seven a long time. '' XXXX is an unfavorable thing they are announcing once more without my consent which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A individual should notfurnish any data relating to a buyer to any customer detailing agencyif the individual knows or has sensible cause to accept that the data isinaccurate. 15 U.S. Code 1681e states '' Each customer announcing organization shallmaintain sensible strategies outlined to maintain a strategic distance from infringement of area 1681c ofthis title and to constrain the outfitting of shopper reports to the purposes listedunder area 1681b of this title. XXXX and Experian are not maintainingreasonable strategies. Moreover 12 CFR 1016.7 states that " A shopper mayexercise the proper to select out at any time. '' I am picking out of your reportingservices.
Product: Credit card or prepaid card

This claim I have against Citi is 2-fold : 1. An unauthorized {$2600.00} balance transfer in XX/XX/XXXX 2. An unauthorized 2nd Citi account opened in my name. I dont know if this was in anyway connected to said transfer above, but I closed it immediately when I found out about it. Recently I was told : Its the same account but the numbers were changed like they often do. Card numbers changed? Ive never heard of such absurdity. 

In XXXX XXXX  XXXX, I took advantage of a Citi Diamond Preferred Card balance transfer offer of 0 % for 16 months. This was better than most that only offer 12 months. My record of using 0 % credit card over the years, exclusively for balance transfers, is extensive and goes way back. All shown on my credit report. 

I called Citi in XX/XX/XXXX to check my balance, as the 0 % deal was up the month prior and I planned to move said balance over to a XXXX XXXX XXXXXXXX 0 % card, which I did. I figured the balance to be around {$2500.00}. Much to my unwelcome surprise, I was told the balance was {$5200.00}. I then found that on XX/XX/XXXX, when my 0 % interest was up, {$2600.00} was added to my account and deposited in my business account. I did not want, need or authorize this transaction. 

The fact that I only paid on this card for said 16 months of 0 % and didnt add to it, like I do, it would be quite stupid and completely unlike me w/ my history to add {$2600.00} to an account that just started charging a 21.74 % interest rate. Why would I do this and then move it to a 0 % XXXX  card when I could have done it then IF I needed it? Which I didnt. 

This is federal issue, and they need to pay for it. Especially with how theyve blown me off, hanging up on me. Sending letters saying that after their research theyve concluded theres no issue. Oh yeah? Ive asked several times for Citi to produce a phone call, a letter, an email, ANYTHING with me giving authorization for this bogus transaction or opening a 2nd account. It never comes because it doesnt exist. 

This messed me up badly for a time. Due to XXXX, I had to cut back on expenses, bookkeeping for one, so much of the accounting was not being done. XXXX has accounts that pay at different times of the month. When I checked my XXXX XXXX business account in the latter part of XXXX to see if there was enough to cover my 2nd payroll ( I pay my agents twice a month on the XXXX and XXXX ) I was pleasantly surprised to find that there was a good bit more than I expected. I was thrilled that my business, barely breaking even months before, had grown and was doing better than I thought. I shared the news w/ my partner. We could actually double our loan payment. Then the following month the extra money was not there and my 2nd payroll bounced. I had to scramble to cover it w/ my home equity loan. 

I fully intend on pursuing this. Please advise as to how I should proceed. 

Thank you very much. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

While trying to apply for my first credit card at wells fargo I did not pass the red screen. They told me i had accounts not paid for as agreed. There were no records that i was sent to collections or had accounts closed. I also received a new job but they pulled their offer a few days before i was supposed to start because of some accounts on my credit and now i have been unemployed for over 3 weeks. Wells Fargo recommended i contact experian to see my credit report and sure enough i had XXXX business accounts sent to collections by wells fargo. I took the account number and contacted wells fargo and had them show me the applications for these accounts. While going over the accounts the banker who i 've never worked with or a branch i 've ever been to created a fake business and opened XXXX accounts. They also put my mothers phone as the business number and left other information incomplete. To top it all off there are no signatures on the applications. They are left blank and a box that states i submitted these applications manually.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax : I have been trying to dispute information on my credit file and they are stalling by requesting more information.

1. I sent in a letter with a copy of my driver 's license ( with my correct address ), I then received a letter stating that they need more information to verify my identity and asked for my DL, my SSN card and a Utility bill. This is ridiculous as I provided the 1st 2 pieces of id that they asked for. They also have a copy of a utility bill from previous interaction. I sent an email to XXXX stating everything above. I then got an email back saying they received my email and they will look into it.

2. I did a online dispute and I then received an email stating that they need more information to verify my identity and asked for my DL, my SSN card and a Utility bill. This is ridiculous as I provided the 1st 2 pieces of id that they asked for. They also have a copy of a utility bill from previous interaction. I sent an email to XXXX stating everything above. I then got an email back saying they received my email and they will look into it.

3. I did another online dispute ( different information ) and I then received another email stating that they need more information to verify my identity and asked for my DL, my SSN card and a Utility bill. This is ridiculous as I provided the 1st 2 pieces of id that they asked for. I then called to try to speak to someone. for some reason the phone system was unable to verify my identity even though I entered all of correct information. Their phone system is extremely difficult to speak to someone. When I was finally able to speak to someone, their english was very poor and did not understand what I was telling them. I then asked to speak to someone in the USA. After waiting several minutes, an agent came on the phone. She was unable to explain to me why the phone system was unable to verify me. Then after verifying all of my personal information verbally with her, she began to ask me several question about my credit history. She asked one question twice and said it was different the second time but it seemed the same to me. By this time, I was very frustrated and needed to get back to work and it seemed like i was not going to get anywhere so I ended the call. 

Again, this is extremely frustrating, it should not be this difficult for a consumer to try to dispute something on their credit report. Per the FCRA, the reporting agencies are required to maintain accurate records. Equifax seems to trying to make it so difficult that the consumers gives up. 

evious interaction. I sent an email to XXXX stating everything above. I then got an email back saying they received my email and they will look into it.
Product: Mortgage

My loan started in XX/XX/XXXX with XXXX XXXX then with LoanCare to XXXX XXXX  I submitted Loan Modification requests and the loan would be transferred. In the course from XX/XX/XXXX to XX/XX/XXXX my loan has been transferred 2 times. Some of the transfers appear to be without the proper notice prior to transfer. 
I am attaching all the documents relating to the servicing of my mortgage and am currently awaiting notification from the current servicer of a loan modification from XXXX XXXX XXXX. 
I have been given no point of contact to call at all from any of the servicers. 
All was well with payments from XX/XX/XXXX until XX/XX/XXXX as explained in the Hardship letter that they requested. 
Additionally, we can't seem to get a clear understanding of the loan balance and large charges added onto the mortgage balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFBP I am filing a complaint against Experian for failing to correct information reported by XXXX XXXX for account number XXXX. I sent them documentation from my bank proving they were paid on time but they did not do anything to correct the errant reporting from XXXX XXXX. Please have them remove the account from my credit report for inaccuracy. 

Thanks for you help in this matter, XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). I have not initiated any transaction with these companies : 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 Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with these companies for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a onsumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to : XXXX XXXX, XXXX XXXX XXXX, XXXX, NC XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account XXXX - Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Number XXXX XXXX Account Number XXXX XXXX Account Number XXXX Inquiries 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 n accordance with the Fair Credit Reporting act XXXX  Account # 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: Checking or savings account

I XXXX XXXX from XXXX XXXX XXXX XXXX. 
Opened a citibank checking account on XX/XX/2022 in response to a bonus offer for new accounts. The offer was {$50000.00} for a {$1000.00} cash bonus. Ive met all terms and conditions and never received the bonus. Multiple inquiries have been ignored. The branch manager, XXXX XXXX at citibank XXXX XXXX XXXX XXXX NY XXXX claims she cant help. 
I see online MANY people are having the same issue as me. 
The offer seems to be fraudelant and it seems Ive been scammed
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was compromised.
Product: Credit reporting

I have requested Chex Systems on numerous occasions to remove the the reported information from XXXX XXXX XXXX XXXX and each time it is removed and then re-instated. I have sent a police report, and an FTC Affidavit as these accounts were opened without my authorization. Please remove all inquiries from this credit union and remove the reported information again.
Product: Credit reporting or other personal consumer reports

Despite of my written request the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is the evidence that you can not and did not verify any of the disputed accounts like you said you did. The fact that you dont have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the court will order you to delete them. 

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
Product: Credit reporting or other personal consumer reports

I recently filed a dispute with XXXX to address inaccuracies on my credit report, but they have not taken any action to investigate my dispute as required under the Fair Credit Reporting Act ( FCRA ). Credit reporting agencies are obligated to conduct a reasonable investigation within 30 days, yet I have received no acknowledgment or progress updates. I kindly request your assistance in ensuring XXXX complies with its legal obligations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and noticed some Hard Inquiries that I do not recognize. Here are the Hard Inquiries below. 


XXXXXXXX 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