23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Here is the short version of my 2 complaints : 1 ) In the summer of XXXX in discussion with Citi rep about the  best way to lower my existing Citi mortgage, the rep suggested a loan modification given the fact that I no longer had 2 years of steady income. I went thru a 9 month horrifying process of repeatedly providing financial details which were repeatedly lost by Citi and re-requested. Citi account reps assigned to the account were swapped out 5 different times and each time it entailed new requests for same documentation. Each rep was never reachable by phone. The rep phone number rang into a call center in XXXX and they would schedule a call with the rep with an average of 2 week delay. The process is completely broken and truly feels like its designed to purposely dissuade people from continuing. At the end of the process they declined the request mainly because I was current on my mortgage and because they believed we had the ability to pay. Why wouldn't they have suggest a straight refinance? 
2 ) Worse yet, we are now being harassed by Citi. We have been and will continue to be current on our mortgage and Now have received a letter suggesting that we are approved for a shot sale. And if we want to " suspend foreclosure activity and accept this offer '' for short sale we must contact them at XXXX WHO ARE THEY KIDDING THEY ARE GIVING US JUST 2 OPTIONS ; A SHORT SALE OR FORECLOSURE. HOW DO THEY HAVE A RIGHT TO EVEN SUGGEST EITHER WHEN WE ARE ABSOLUTELY CURRENT AND ALWAYS WERE. THIS IS BULLYING AND HARASSMENT AND I WASTED 9 MONTHS OF MY LIFE I CANT GET BACK WITH THEIR LAME LOAN ADJUSTMENT PROCESS. 

I HAVE KEPT RECORDS AND I AM PREPARED TO TAKE THIS TO MY ATTORNEY AS NEXT STEP IF THEY DON'T IMMEDIATELY STOP SUGGESTING THEIR IS REASON FOR FORECLOSURE ACTIVITY ON A LONG TIME PAYING MORTGAGE CUSTOMER. 

PLEASE CONTACT ME
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XX/XX/2021 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: Checking or savings account

On XX/XX/XXXX, an unauthorized wire transfer was debited from my checking account. The thieves also attempted to make a second unauthorized wire transfer. My husband was the victim of a SIM swapping scheme : his phone and email were disabled. He went to a bank branch minutes after the unauthorized transfer. The bank was able to stop the second pending wire transfer. The bank froze the account and opened a new account. We provided timely notice to the bank by reported the unauthorized transfer on the same day. The bank took action by voiding the second transfer, freezing the account, and opening a new account. The bank did not, however, attempt to recall the unauthorized funds until XXXX, XXXX, when my husband went in person to the branch to inquire about the status of the case. The bank did not open a fraud investigation until then, months after the incident. At that time, the funds were no longer in the bank that had received the transfer. 

The bank has not refunded the unauthorized transfer, as required under the Electronic Fund Transfer Act and Subpart A to Regulation E. The bank claims that this case was a " scam '' in which my husband provided account information to the party who initiated the wire transfer. He does not recall providing his information. However, under 12 CFR 1005.2 ( m ), even if he had provided information to a person who obtained the information through fraud or fraudulently induced him to share account access, the transfer would still be unauthorized and the bank must refund the funds. 

My husband and I have contacted the bank on multiple occasions on the telephone and in person at the branch ( e.g., XX/XX/XXXX call, XX/XX/XXXX in person and by phone, XX/XX/XXXX by phone, XX/XX/XXXX by phone ). We have filed affidavits with the bank. The case remains " under investigation '' Note : the first attachment shows the two unauthorized transfers, one listed as pending. The second attachment shows the account balance after my husband went to the bank and stopped the pending transfer. As stated above, the bank did not attempt to recall the completed transfer until months later.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute certain hard inquiries listed on my credit reports, which appear to be unknown to me and are affecting my creditworthiness. I have reviewed my credit reports from XXXX, Experian, XXXX, and I have noticed multiple hard inquiries from unknown companies that have no associated contact information. These inquiries are causing me significant concern and negatively impacting my credit profile. 

I kindly request your assistance in investigating and rectifying this issue. I believe that these inquiries are inaccurately listed on my credit report and have not been initiated by me or with my consent. I have never engaged in any financial transactions with these companies nor have I given them permission to access my credit information. 
Here are the hard inquiries and inaccuracies 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  closed XX/XX/XXXX XXXX 

XXXX XXXX  closed XX/XX/XXXX? 

XXXX XXXX  2 times?? 

XXXX closed XX/XX/XXXX?? 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX!!!!!!!!! 

XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XX/XX/XXXX Experian business credit XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX The unauthorized hard inquiries have left me feeling vulnerable and concerned about the security of my personal financial information. I have attached copies of the relevant credit reports highlighting these unknown hard inquiries for your reference. 

I respectfully request that the Consumer Financial Protection Bureau initiate an investigation into these hard inquiries. I am asking for the following actions to be taken : Removal of Disputed hard inquiries from my credit reports. 
Notification to the respective credit bureaus to update my credit reports accordingly. 
I understand the importance of accurate credit reporting, and I am committed to maintaining the integrity of my credit profile. Your assistance in resolving this matter is greatly appreciated. Please inform me of the results of your investigation and any actions taken to rectify this situation. 

I am willing to cooperate fully with any additional information or documentation you may require to facilitate this investigation. You may reach me at XXXX or XXXX for any further clarification or to provide updates on this dispute. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution of this dispute, and I trust in the CFPB 's commitment to fair and accurate credit reporting. 

Sincerely, XXXX XXXX
Product: Student loan

I have attempted to have  several student loans that have been cleared or discharged by the Department Of Education.    XXXX   and  XXXX  have been notified and sent several copies of the discharge notification. The student loan that are on my credit report are not mine.
Product: Bank account or service

In the XX/XX/XXXX XXXX representatives from US Bank came to my store to sell me a credit card machine. When asked, I showed them the terms of my current machine. They told me they could beat the service and price. The name of the ladies are on the documentation that I am attaching. A week later they had XXXX of their associates call me to tell me that they could n't offer the terms the gave me verbally. I told them to close the account as I was going to stay with what I had. Since that time, I have been sent to XXXX different collection agencies. I have disputed the account in all XXXX cases over the past 4 years. The latest one was in XXXX XXXX, and I just received the response attached XXXX XXXX never hear from the other XXXX collection agencies again after I sent the disputes and assumed that it was resolved. I have attached all of the documentation regarding the XXXX disputes. It seems that US Bank continues to sell the account to different collection agencies after I have disputed it. US Bank is charging me for merchant services I never received. They did not send me a credit card machine, and because I never had a machine, there were never any merchant payments made. I would like this account with US Bank resolved for good. This has caused me a considerable amount of anxiety as I value my credit rating. This has been time consuming each time, and it does n't go away. I do n't want to pay a collection for something I never had. Thank you for you help with this matter.
Product: Debt collection

Uni fund continues to contact me on debt that I had previously settled for a lower cost. 

They also continue to contact me in harassment. 

I received feedback from my last complaint however, I want to show my paid in full statement. 

I want them to leave me alone as I have paid the debt XXXX was settled as well as the other debt in the settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to court XX/XX/XXXX with a case Ford Motor Inc vs myself for a balance of {$23000.00} on previous truck I had returned in XX/XX/XXXX. My lawyer was able to reduce the amount to {$12000.00} in which XX/XX/XXXX I pay the amount of {$150.00} per month until paid in full. They said that Ford would fix my account and place it in good standing. In XX/XX/XXXX since I had 3 payments under my belt I checked my credit report and it had not updated. So in XX/XX/XXXX I disputed with all three credit bureaus and I submitted a copy of my court settlement papers. Two of the credit bureaus verify that the information was correct when they called Ford. On XX/XX/XXXXI reached out to my attorney and the reach back out to the Ford lawyer and they wont respond about the credit reporting. On XX/XX/XXXX I called Ford Motor Inc and why account was not reflective after the case and the lady forwarded me to another department. The gentleman their told me my account went to a attorney and that they haven't received and updates for attorney. I explained to him that the case had already went to court but he says they can't talk to me and I have to speak with there attorney. So that evening I mailed a copy of my settlement paperwork to Ford Motor Inc to show them that it was settled and the amount has changed. Because they are not updating this information I have been unable to refinance my home and can not get any loans.
Product: Student loan

I received letter from Mohela that they bought my student loans. I went online and applied for forbearance, because I'm unemployed and I received a letter from Mohela stating my payments will be {$0.00} for 12 months, effective XX/XX/XXXX. On XX/XX/XXXX, I received a letter stating effective XX/XX/XXXX, an amount of due of {$130.00}. I would like for Mohela to be investigated for manipulation my records to reflect incorrect timeframe of debit being collected. Based on the special loan program called SAVE plan, which I applied and received confirmation there's no payments due. Also, Mohela has sent a letter stating this same account is in default which its not. This student loan company has brought great hardship and mental stress and the inaccurate information have a adverse damage to my credit via the reporting credit agencies.
Product: Mortgage

I am writing to request an investigation into mortgage servicing practices by LoanCare financial products. 

I originally purchased a mortgage on my house with XXXX XXXX XX/XX/XXXX. I purchased a USDA loan which was explained to me at the time of settlement as having a higher interest rate than an FHA mortgage, but did not include any type of PMI in that particular type of loan for the life of the loan. Additionally, I find nowhere in my agreement where a PMI/XXXX fee may be instituted upon purchase by a new servicer. However, at settlement I paid {$3200.00} towards XXXX fees/PMI at the monthly rate of {$55.00}, which should have been amortized over the first 4.9 years worth of payments if I did have a PMI or XXXX fee associated with my loan. Additionally, the HUD-1 paperwork clearly breaks down my first few payments ( principle, interest, escrow ) and the space for PMI is blank because my loan did not have a PMI associated with it. 

Since then my mortgage has been sold twice. I had no issues with the first XXXX mortgage companies. The third mortgage company purchased my mortgage XX/XX/XXXX and immediately began charging my escrow account for XXXX/PMI. I was not aware of this as my monthly statements do not break down my escrow payments according to where my escrow is paid out. I was not made aware of this until XX/XX/XXXX when LoanCare sent me a letter stating that my escrow account was going to be short for year-end payments, and that I owed an additional amount that I could pay all at once or have included in my monthly mortgage statements ( a monthly increase ). 

I contacted LoanCare on several different occasions questioning the new fee and requesting to speak with someone responsible for PMI/XXXX to refund and discontinue the PMI/XXXX fee. Their customer service representatives refuse to transfer me to either a supervisor or someone responsible for this new fee ; and when I do eventually get frustrated and transferred I am always placed on hold for 10 minutes before being routed to a voicemail system. I never receive calls in response to the messages I leave. 

My statement arrived in the mail for this month, and without my consent my monthly payment has been raised to account for the money that has been misplaced from my escrow account. I called the customer service line, and the rep refused to transfer me to someone who could issue me a corrected statement at my normal monthly amount since this will be my last payment with LoanCare as my mortgage provider. Once again, after becoming increasingly agitated at the lack of respect and customer service I was placed on hold and sent to another voicemail answering system. 

This is the worst service I have ever received from any financial servicer. I am so frustrated that I am in the process of refinancing with a new mortgage provider. Multiple knowledgable parties have reviewed my original loan agreement documents and all are in agreement that what is happening here is theft. 

I will also be contacting FHA and USDA to advise that they investigate LoanCare as servicers of their loan products.
Product: Credit card

I got a XXXX dollar credit card in XXXX to help with XXXX purchases. 
I made some online purchases. 
They never sent me a paper bill. 
They have the wrong email address for me. 
The first I found that i owed them money currently was when i went through XXXX XXXX to find out that they want XXXX dollars from me and it is past due. 

I called up and my husband offered to immediately pay them the credit card limit of {$300.00} if they would remove all of the extra fees and report that it was their error that it was not paid on time. As they did not send a paper bill and had the wrong email address and never verified any way for them to get ahold of me. 

Their supervisor XXXX XXXX XXXX refused to discuss it with my husband even though i was on the line on speaker and repeatedly told him that i gave them permission and my husband had my power of attorney for this matter.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/year> I submitted a dispute to Transunion to investigate several discrepancies I found on my credit report. I requested the items be updated or removed if found to be in error. And for them to furnish me the method in which they investigated the and verified and to supply a fresh copy of the lasted report from their findings. I not only was not given the method of their investigation, but they verified as accurate items that had been previously found to be inaccurate by investigation from other 3rd party reporting agencies.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report online and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Incorrect Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax Denied Fraud Block Request FCRA 605B Violation and Use of Unverified Third-Party Data I submitted a fraud block request to Equifax on XX/XX/year> under FCRA 605B to block inaccurate and fraudulent information on my credit report. I provided all required documentation to substantiate my identity theft claim, including : 1. A valid Identity Theft Report from the Federal Trade Commission ( FTC ). 
2. Proof of my identity and address. 

Equifax denied my request in a letter dated XX/XX/year>, stating they would not block the disputed items. Their response claimed that for Equifax to block information under FCRA 605B, I must provide : - Proof of my identity. 
- Specific information regarding the fraudulent accounts. 
- A complete and submitted FTC Identity Theft Report or a police report. 

This denial is unfounded because I included all the required documentation with my original request. Equifaxs failure to recognize or acknowledge the proper documentation violates FCRA 605B, which mandates that credit reporting agencies block fraudulent information within four business days of receiving valid proof. 

Additionally, Equifaxs letter states that they will contact the creditors to verify the disputed information and forward my documentation to them. This process does not substitute for the immediate block required by law under 605B. It is Equifaxs legal responsibility to block the fraudulent items without delay, irrespective of any creditor response. 

The fraudulent items I requested to block include : XXXX XXXXbankruptcy - Account Number XXXX. 
USBK Court/bankruptcy - case number XXXX. 

Why Equifaxs Actions Violate the FCRA 1. Failure to Comply with FCRA 605B : Equifax is required to block fraudulent information within four business days of receiving proper documentation. By delaying action and shifting the burden to creditors, Equifax is in direct violation of this section. 

2. Unjustified Documentation Demands : Equifax has falsely claimed I failed to provide required documentation, despite my submission of a valid FTC Identity Theft Report, and proof of identity and address. 

3. Use of Unverified and Inaccurate Data : Equifaxs reliance on third-party data, rather than verifying information with original sources, further undermines the accuracy and integrity of its credit reporting process. For example, I received a letter from the United States Bankruptcy Court, which explicitly states : " The Clerk 's Office does not provide information to credit reporting agencies. Credit reporting agencies access the Court 's data by visiting the office and reviewing records or by logging into the United States Court 's Public Access to Court Records ( PACER ) system with an approved login and password. Further, the Clerk 's Office is not responsible for the use or misuse of any information so gathered by third parties, such as credit reporting agencies. '' This letter confirms that Equifax has failed to verify bankruptcy information with the original source ( the Clerks Office ) and relied instead on questionable third-party sources.
Product: Mortgage

M & T Bank has consistently been harassing me for the last 4 months. They call and agressively indicate that i have no choice but to provide my information when I 've clearly inidcated I am who I am. The first 3 months they called almost 4 times daily. I was delinquent in my mortgage due to a documented illness and out of work for 6 months. They offered me a forbearance despite knowing that I was unemployed and that my STD benefits were often delayed due to a delay in my medical provider provided the necessary documentation. Once the forbearance went into effect, they abruptly cancelled it when I returned to work and without notification. When I indicated that the constant calling would not immediately resolve the issue they began calling more. Then I paid them over {$3600.00} and they still failed a foreclosure notice for the remaining {$2600.00} because I failed to continue to take their harassing calls. This situation is impacting my health and the ability to continue to get well because they refuse to deal with professionally, and did not empathize or offer a amicable temporary solution when they were well aware of my medical and finance situation. I want M & T to cease harassing me, threatening to foreclose on my property even after they have been paid and ask that my mortgage been sold to another more professional financial institute.
Product: Debt collection

Sure! Heres a response you might consider : -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XX/XX/year> Portfolio Recovery Associates , LLC XXXX XXXX  XXXX, VA XXXX Dear Portfolio Recovery Associates, Thank you for your prompt response regarding the concerns I raised about the PRA account ending in XXXX. I appreciate your investigation into the matter. 

However, I would like to request further clarification regarding the validity of the account. While you state that you have verified the account and will cease communications, I would like to formally dispute the balance of {$2600.00} attributed to me. I believe that additional documentation may be necessary to confirm the accuracy of the claimed amount and the circumstances surrounding the account. 

I request that you provide a complete account history, including all relevant statements and records related to the original account. This will enable me to assess the validity of the charges and ensure that my rights are protected. 

Thank you for your attention to this matter. I look forward to your timely response. 

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

XX/XX/2021 1 ) XXXX XXXX ( XXXX  ) 2 ) JPMCB Auto Finance ( bank ) 3 ) XXXX XXXX XXXX XXXX ( bank ) 4 ) XXXX XXXX XXXX- ( finance/personal ) - ( XXXX ) XXXX I purchased a vehicle from a car dealership called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XX/XX/2021 ph ( XXXX ) XXXX ( I'm financing ). 

My credit report was ran multiple times from these banks separate from the dealer 's. After leaving messages with the dealership for help, I didn't get a return call. I only consented XXXX XXXX XXXX XXXX to run my credit once, so I'm disputing these other inquiries. 
XXXX XXXX XXXX XXXX never asked me for my permission to run my credit more than once.