23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Our mortgage lender NBT Bank has denied us access to government programs to help struggling homeowners and we are now in the first stages of foreclosure. My husband and I bought our home with a USDA loan and live here with our XXXX boys, ages XXXX, XXXX and XXXX. We had financial struggles during Covid and contacted our lender NBT Bank to see if they could offer any type of help. The agent was rude and condescending and said there were no programs except for find a way to pay us or we will take your house. I was not able to work due to Covid shutting down my position and we did not know about the CARES act forbearance and did not know that there were any loan modification programs for distressed homeowners and NBT Bank did not want to tell us about any options. We were very frightened and had to apply for a loan from my husband 's 401K to get caught up, a loan we are still having to make payments on from my husbands check. After getting caught up and going back to work we had no problems with payments for about a year until I got XXXX and it was a XXXX XXXX XXXXXXXX and the doctor told me I needed to stay off my feet and again we lost my income and the good news now we have a healthy XXXX XXXX XXXX son but it was hard to keep up with the mortgage payments. We contacted NBT Bank to see if they would work with us on the payments or if they could help us, and they said we would have to pay 100 % of missed payments and late fees and legal fees or they would put us into foreclosure. We just got letter from Attorney last week and we are now in foreclosure. My husband has a good job, he has worked as a XXXX  and is now the XXXX XXXXXXXX XXXXXXXX at the local XXXX XXXX. I had been working as a XXXX XXXX but when Covid came they shut down my district for XXXX. A few months after I went back to work I became pregnant and we lost my income again. At this time my husband has taken a second job working as a XXXX XXXX XXXX XXXX. We no longer have a problem with the mortgage payment, the only issue is that NBT Bank is telling us we need to pay them {$15000.00} in one payment or we are going to lose our house. We now know that NBT Bank is required as a servicer of a USDA loan to consider us for several different distressed homeowner options which they have told us did not exist in the past.
Product: Payday loan, title loan, personal loan, or advance loan

Application & Extension of Credit : On XX/XX/, I applied for a loan via Transform Credits platform, thereby extending my consumer credit. Subsequent to my application, I was surprised to find that a co-signer requirement was imposed, which was not clearly communicated initially. 

Unexpected Enrollment in XXXX : On XX/XX/, I was informed by Transform Credit about my enrollment in their XXXX  XXXX, which I neither explicitly opted into nor was aware of its implications. I learned that I would be charged $ XXXX monthly, reported as interest against a loan held on my behalf, without actually receiving said loan. This arrangement was unfamiliar and not part of my primary intention. 

Co-Signer Requirement Clarification : A subsequent communication on XX/XX/, reinforced the co-signer requirement, explaining that all of Transform Credits customers must have a co-signer. 

Concerns : Lack of Transparency & Potential Misrepresentation : My application was accepted, and in good faith, I extended my consumer credit. However, the introduction of additional stipulations, such as the co-signer requirement after application consummation, seems contrary to transparent business practices. 

Possible Violations : The aforementioned practices may be in violation of multiple U.S. codes and regulations. Specifically, these actions appear to contravene : The Consumer Credit Protection Act 15 USC 1602, 12 CFR 1026.19 ( e ) ( 2 ) ( iii ), 12 CFR 1026.19 ( e ) ( 2 ) ( ii ), and related provisions. 
215.3 regarding extensions of credit. 
Discrimination against a consumer for exercising rights under consumer protection laws. 
Unauthorized Credit Activity : Transform Credit reported on my consumer credit without delivering any tangible benefit to me, a potential violation of 15 USC 1602.
Product: Credit reporting or other personal consumer reports

I recently looked up a copy of my credit report and noticed several inaccuracies on my account. This account is hunting my ability to get credit. It is my understanding that you will research these items for me to ensure their accuracy. Here is the item I ask you to verify as accurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 16811 ( 5 ) Treatment of inaccurate or unverifiable information ( A ). In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
TRANSUNION : ACCOUNT NAME : XXXX XXXX XXXXXXXX ACCOUNT NUMBER : **** TRANSUNION : ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX TRANSUNION XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : **** TRANSUNION XXXX ACCOUNT NAME : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX TRANSUNION : ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX XXXX  ACCOUNT NAME XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX ACCOUNT NAME XXXX XXXX ACCOUNT XXXX XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT XXXX XXXX  ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT XXXX XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXXXXXX ACCOUNT XXXX XXXX ACCOUNT NAME : XXXX ACCOUNT XXXX XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT XXXX XXXX ACCOUNT NAME XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to a change in employment and a move, I had to short sell my house. Bank of America was my mortgage servicer. My account was closed on XX/XX/XXXX. 

In XX/XX/XXXX I received a credit report alert on a past due account. The alert showed that I was past due on my mortgage payment by more than 30 days. This situation caused my credit score to drop by more than 100 points. My credit score is usually in the high XXXX. 

I contacted Bank of America and was told that because my account was closed, they couldn't fix any errors on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three major credit bureaus regarding the reporting of my paid in full/as agreed never late with XXXX ; XXXX has sent in request to remove late payments however the credit bureaus refuse to remove late payment reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint disputing the inaccurate reporting to XXXX, XXXX, and XXXX by XXXX XXXX XXXX. 

Due to XXXX XXXX, XXXX reporting inaccurate information, it has damaged my good credit standing and caused me a tremendous amount of stress. The inaccurate information is a mistake on either youre or the reporting creditor 's part. Due to the mistakes on my credit report, I have been charged higher interest and wrongfully denied credit/services recently. Which was extremely inconvenient and embarrassing. I am attaching proof that this information does not belong in my file and/or is inaccurate and needs to be updated. I have reported this numerous times with a direct dispute to XXXX, XXXX, and XXXX along with XXXX XXXX, XXXX. XXXX XXXX, XXXX continues to provide inaccurate information and report misleading details. I hereby request that you make these changes within 30 business days to avoid additional violations of the FCRA. This account has been paid in full for the amount of {$450.00} and continues to be reported incorrectly either as open, settled for less and listed as a charge off with late historical remarks. 

Please verify the inaccuracy of this information and delete it from XXXX, XXXX, and XXXX and provide me written proof that this has been completed.
Product: Credit reporting or other personal consumer reports

Both XXXX and transunion dropped my score by XXXX points for opening a new credit card!!! This is ridiculous! It states that credit scores may temporarily drop by XXXX or XXXX points from opening a new credit card but XXXX  is beyond ridiculous!!!
Product: Credit card

I am extremely dissatisfied and disgusted at the way Macys company has handled my account. In XXXX I was victim of credit card fraud, where my Macy 's card was used to purchase multiple items from a XXXX store, and and other locations which totaled to be around almost {$400.00}. When I realized the fraud on my account, because for some reason it wasn't flagged as suspicious activity, as any other credit card company would have done. I was then instructed by Macys team it would take one to two billing cycles for the investigation to be complete and I should not make any payments to the account to avoid being overcharged any interest due to the fraudulent activity. Which I was concerned about, because I did not want to receive any late fees nor have that affect my credit rating. I was told I should not worry, for they will remove any late charges I receive. Which you can see took place on my account. Now today, when I tried to confirm that all fraudulent activity was removed from account, so that I could move forward. I notice that my credit limit decreased by {$600.00}, which is insane. Because now it looks as if, I am at the max limit of credit card. When I called and spoke with numerous people after being bounced around back and forth from rep to rep. Because I was told by one person, they didn't even see I reported a fraud case, which I knew was false information. Because I called Macy 's customer service about 10 times between XXXX and now. After being on hold for nearly 45mins. I was connected to supervisor XXXX id # XXXX Who told me he did see I reported the fraud, but its still under investigation and now its going to take another month for it to be completed. Which is not what I was told by the rep who I initially reported the fraud to. Then to add insult to injury, He told me my credit limit was decreased because of the nonpayment for over 30 days. Which is outrageous because I was instructed by Macys company not to make any additional payments until the investigation was complete. Now I'm being stuck with a negative account status and a maxed out credit card for following their company 's instruction. My card was setup on automatic payments, I have never been late on any payments since I had this card up until I became a fraud victim. So to reduce my card limit which affected my credit rate tremendously is horrible on your behalf. I Do not even wan na be a member to Macys company any longer, I am going to voice my experience on every consumer an credit card bureau outlet I can find. Because this is not fair to any customer, and I would hate to see someone else be subjected to the treatment I received. You would think as victim to credit card fraud, the company I trusted with my well being would be there to help you thru this horrific process. However, they are only adding to the distress and suffering of the situation.
Product: Credit card or prepaid card

To Whoever It May Concern XXXX Received Check from merchant as a full refund. Called Citi Disputes dept. and asked a supervisor to withdraw the dispute. 

The supervisor did not withdraw the dispute. I did not see the transaction reversed in my transaction list. 

On XXXX I made numerous calls to CitiBank to confirm that. The first supervisor confirmed the dispute was not withdrawn on XXXX. 

Next supervisor gave some different story stating the merchant sent Citi paperwork on XXXX. 

The next supervisor XXXX said something different, he said dispute was withdrawn on XXXX, but the merchant received the money back on XXXX because on XXXX XXXX the merchant responded with paperwork. And apparently the bank sent me all the paperwork via email, which I never received. This all information from XXXX was completely misleading and false. 

What happened in between all these phone calls, one of these supervisors noticed that the first supervisor from XXXX actually failed to withdraw the dispute, so he/she sneaked into my account and quietly withdrew the dispute on XXXX. 

When I went online on XXXX I noticed it says the merchant responded on XXXX and the dispute was withdrawn on XXXX ( strangely a date in future because XXXX comes after XXXX ). 

I called Citi again and the supervisor said the dispute was actually withdrawn on XXXX XX/XX/2022, not on XXXX. 

I withdrew the dispute on XXXX primarily because I received a check in full amount from the merchant 's corporate office ( and I don't double dip because I am not a thief ). However, on XXXX my bank account says the merchant has placed a stop on the check, and I don't know why. As a result, my bank has also charged me a {$20.00} fee for a returned check. 

If I find out that the reason for the refund check getting stopped by the merchant due to the CitiBank dispute not being withdrawn at the right time, make no mistake I will bring a lawsuit against CitiBank in the small claims court for the amount of XXXX + {$20.00} check reversal fee + court costs + interest + punitive damages as applicable under the law. 

Technically most people here will complain about the service standards only, but I won't do that because .... I must say I don't trust your executive department either because last time when I raised a concern about a suspicious phone call, I received from a Citi branch one of your XXXX  executive team members called me, I asked her to call me back because I was on another call, she refused to call me back. I could never find out what happened to that suspicious phone call I reported. That's the standard of your executive staff member, so I can only imagine how far this issue can go. I am sick and tired of your call center people giving misleading contradictory information all the time and not doing their job on time... I like most of your customers would accept your XXXX  phone operator service at most times, but I am not going to sit back and lose money for their disservice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XXXX of last year I noticed several fraudulent accounts on my credit report. I submitted multiple notices and requests to each major credit bureau asking them to block the fraudulent accounts. I also sent notices to the creditors involved. To this day they are still hurting my credit score by reporting fraudulent accounts, this constitutes the crime of defamation. I sent Comenity Bank/Victoria Secret a request to block a fraudulent account that is being reported on my credit report. The account in question was not opened by me nor did I benefit from it being opened, it was opened as a result of identity theft. The request was sent via certified mail recorded delivery.
Product: Consumer Loan

I was closing on the sael of a home and I requested a payoff balance for the account as part of the deal for the mortgage loan. The title company will process the sale and buy of the new home and cut me XXXX check to pay my debtors XXXX XXXX, XXXX bank, XXXX and Avant. Apprently I committed to an electronic debit on the full payoff amount ( which i do n't recall ). After the closing on XXXX XXXX I recived the check, these were mail on Saturday XXXX XXXX at XXXX XXXX. Avant has already cevied the check that XXXX XXXX title company made and cash it. On XXXX XXXX 2016 I noticed that the electronic debit was posted to my account for the payoff amount requested, I called XXXX to ask them to reverse an electronic transaction since the check was cash already and they claim they have no evidence of the check being cash and they cant reverse the electronic transaction because it was already committed for payment ( the money is not on the account it was on the check cash ). They only could offer a request for a refund ... 10 days process.
Product: Payday loan, title loan, or personal loan

I sent this company a letter for a review of the application or a reconsideration of the decision. I have yet to receive a response. It has been a while so I decided to get some help resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  neglected to verifyValidate the account from NATIONAL CREDIT ADJUSTERS before placing that heavily manipulated inaccurate account on my credit report. XXXX  XXXX XXXX XXXX was the original debt collector for the account # XXXX that reported a past due balance of XXXX. The ORIGINAL CREDITOR is/was XXXX XXXX. This closed XXXX XXXX account was originally DELETED from my credit report. After the deletion NATIONAL CREDIT ADJUSTERS purchased the CLOSED DELETED XXXX  CASH ACCOUNT # XXXX from AD XXXX XXXX SERVICES. NATIONAL CREDIT ADJUSTERS THEN RE-AGED the XXXX year old CLOSED/DELETED/XXXX XXXX account # XXXX and reported this transparently manufactured Cliosed/ Deleted XXXX XXXX account to XXXX  and the other credit agencies as a NEW/RECENT COLLECTION WITH A PAST DUE BALANCE CLOSED ACCOUNTS MAY NOT BY LAW REPORT BALANCES AS PAST DUE. NATIONAL CREDIT ADJUSTERS MAY NOT LEGALLY REPORT A PAST DUE BALANCE OF {$1500.00} due. Because, The ORIGINAL CREDITOR XXXX XXXX  originally reported a past due balance of XXXX. That is double jeopardy. ONLY ONE CREDITOR MAY REPORT THIS past due balance. Because XXXX XXXX first reported the {$1500.00} past due balance. Any following debt collectors are EXCLUDED from reporting this XXXX dollar past due balance. It is illegal to RE-AGE accounts. It is a violation for XXXX  to not independently investigate the dispute that I submitted relating to NATIONAL CREDIT ADJUSTERS. It is a violation for XXXX  TO REPORT INACCURATE ACCOUNTS/ INFORMATION on my credit report. XXXX  has gotten extremely comfortable with ignoring the FCRA regulations/ and guidelines in which XXXX  must abide/adhere to. XXXX  reckless credit reporting and mishandling of my disputes is gross negligence. I will continue to dispute this and any manipulated flawed doctored account until it is correctly and permanently removed. XXXX  should be held accountable for purposely/knowingly assisting in damaging my already fragile credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX sabotage due to Bank of America lies/fraudulence. XXXX yrs of admitted technical issues/ glitches admitted to me but their IT technicians, representatives, and supervisors of representatives that in the end has resulted in them lying and retracting their admitted guilt which significantly affected my XXXX XXXX dropping it by XXXX points, and being denied in endpoint attempts of justifiably disputing these illegal rejections of my disputes. Even with recorded conversations of Bank of America 's representatives and upper management claiming complete and total fault ... Now they sent their fault in this dispute and previous recognition of thus. Resulting in XXXX and the other XXXX credit bureaus refusing to reinstate the incredible amount of points that were reduced upon my XXXX XXXX that I've worked diligently and exhaustively to achieve over the last XXXX yrs ( my XXXX XXXX was XXXX before BOFA XXXX slashed it with their report falsely blaming me and not admitting to their inexplicable website/app/systems failures and glitches that they were incapable of fixing the last XXXX years ), in which I've always paid off and bills on time. I've never missed a payment- on any of my accounts- and therefore never had a late fee charge. I pay all of my bills on time - utilizing correctly working autopay connected to my XXXX bank account. Bank of America has admitted fault several times, but now chooses to lie and claim fraudulently and falsely that this is my fault. They've promised letters to all three credit bureaus to fix my excessive XXXX XXXX drop ... and then claimed the opposite. They record all of there phone calls so I know the representatives that guaranteed me they were recognizing their ( Bank of America 's ) fault has been reported several times. A representative even revealed to me that this is something the company would never - will never - admit, due to repercussions and possible media coverage. They instantly refunded my charges taking responsibility over 9 months ago, and now they're lying and refusing to retract their allegations and restore my XXXX XXXX that lost - insanely - XXXX points due to them reporting fraudulent details to the credit bureaus. They don't want to admit their fault surrounding their IT/technical failures that are excessive beyond belief. XXXX years later they couldn't fix double debiting my bank when I only authorized debiting once. This again is fraudulent and litigable. 

Please help me in holding a billion+ dollar conglomerate responsible for their fallacies, lies, and attempted deflection of their own faults against XXXX of their XXXX year loyal customers. 

Thank you for taking the time to read this.
Product: Mortgage

I am contacting the CFPB out of desperation in dealing with my mortgage servicing company, CMG Financial. I had experienced a hardship and was approved XX/XX/XXXX for an FHA HAMP three month trial modification from XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX in the amount of {$3000.00}. The trial agreement clearly shows the amount for escrow advance/set up is {$49000.00}. I even have a payoff statement dated XX/XX/XXXX showing the escrow advance {$44000.00}. I completed the trial payments early and the permanent agreement was issued XX/XX/XXXX with a new monthly principal, interest, taxes and insurance payment of {$3000.00} starting XX/XX/XXXX. I called to set up the XX/XX/XXXX payment and they told me they do not see the loan was modified but after looking through notes, they accepted my payment and stated it takes time for the system to be updated. I called every month to make, y payment and had to go through the same explanation. They would accept my payment but tell me my payment was {$3900.00} not {$3000.00} because the modification was still being updated in the system. 
I received the countersigned modification agreement XX/XX/XXXX so something is clearly wrong. As of last week, I received a notice my loan was being referred to foreclosure and my XX/XX/XXXX payment was returned due to being forwarded to foreclosure. The total amount owed they are stating as of today {$9300.00}. 
My regular escrow payment is {$1500.00} which I have paid consecutively since the 1st day of the trial XX/XX/XXXX through XX/XX/XXXX XXXX XX/XX/XXXX payment was returned ) which totals {$12000.00} plus the {$48000.00} paid to escrow according to the permanent modification agreement so how is there a {$9300.00} shortage payment resulting in a shortage payment of {$900.00} being added to my regular monthly payment day 1 after my loan was modified? This is just wrong. I have spent countless hours on the phone with the mortgage servicing department, escrow department, customer service department all of which transfer me around and wont help me straighten this out. Now, my loan was forwarded to foreclosure all over again. Its not right.