23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX  OF  XXXX  AND  BAYVIEW LOAN  SERVICING FAILURE TO POST PAYMENTS CORRECTLY, FAILURE TO PROVIDE CORRECT STATEMENTS, PROVIDING CONSUMERS WITH FRAUDULENT DOCUMENTS THROUGH THE CONSUMER FINANCIAL PROTECTION BUREAU  XXXX   XXXX   XXXX  provided  Bayview Loan Servicing with  fraudulent documents to respond to multiple complaints we filed with the Consumer Financial Protection Bureau. Therefore, due to   XXXX    XXXX   XXXX  and  Bayview Loan Servicing responding to multiple Qualified  Written Request with fraudulent documents through the Consumer Financial Protection Bureau and through the United States Postal Service we are experiencing harassment and retaliation due to us reporting these schemes. During the duration of the trial modification payments,  Bayview Loan Servicing continuous failure to accept a m onthly loan payment from us and post it to our account correctly started on  XXXX    XXXX   and has continued through the present.  Bayview Loan Servicing  is a  XXXX  dollar corporation, currently they manage approximately {$11.00}  XXXX  dollars. Therefore, its difficult to understand why its so terribly difficult for Bayview to accept a monthly loan payment from us, post it to our account correctly, update our statements, update their automated system with the information correctly, and manage the day-to-day operations of our loan without continuing to compound multiple continuous errors. Upon us complaining about the compounding errors, schemes and shams committed on our mortgage loan by the previous servicer, predatory banker, Bank  XXXX   XXXX  continues to do nothing about our complaints in fact, Bank  XXXX   XXXX  has intensified the well planned scheme and has involved  Bayview Loan Servicing by providing Bayview with fr audulent documents to provide to us and  Bayview Loan Servicing upload   these fraudulent documents to our portal at the Consumer Financial Protection Bureau as well as mails these fraudulent documents through the United States Postal Service.  XXXX   XXXX   XXXX  transferred our loan to  XXXX   XXXX   XXXX  without making corrections caused by misappropriation of payments and forced placed Insurance. The  Master Servicer  Bank  XXXX   XXXX  has instructed  Bayview Loan Servicing to foreclose on our home by having Bayview loan s ervicing intentionally and purposefully failing servicing duties of : failing to post our monthly payment to our account correctly, failing to update their automated system with the information correctly when a payment is made, failing to post the payments to our monthly statements correctly and continuing to compound multiple errors on our loan in the day to day operations.
Product: Checking or savings account

US Bank offers an Elite Money Market savings account if you deposit at least $ XXXX in it. When I opened this up in XX/XX/2024, their advertised rate for this account was 4.5 % and right now they are offering 4.25 %. What they do not not highlight is that it is simply a teaser rate and that after only 4 months they would reduce that by over HALF to 2 % while still offering 4.25 % for new unsuspecting customers. It really left us feeling dupped. Sure the fine print says its an adjustable rate but I believe this a set practice of theirs to get large deposits then cut the rate by more than half. I have banked with US Bank for many decades and used them for my personal accounts, mortgages, and several businesses but I will be pulling ALL my accounts from them and cancelling all my credit cards. This is not the ethical institution I believed them to be. I wish other customers could be warned about this before getting tricked into it making a large deposit and trusting US Bank.
Product: Mortgage

We are victims of excessive Mortgage Fraud. It appears Attorney 's, Judges, Bank Officials, HOA Members and MANY other agencies are involved. Fraud on both Personal and Commerical Property. The Fraud as led us into Bankruptcy. The Trustee is not doing his job but appears to violate every law in order to liquidate assets ILLEGALLY. The Fraud was uncovered my spouse during XX/XX/XXXX-XX/XX/XXXX. EVERYONE is trying to cover their tracks. IT IS PATHETIC. False Bankruptcy Claims are being filed. So, you can imagine who are involved. We contact companies to validate a debt, you CAN NEVER GET THE CORRECT INFORMATION BECAUSE IT IS FRAUDULENT or they will never file a claim, but payments have been made and stolen and the " CREW '' are continuously brainstorming ways to take us out financially, mentally, emotionally physically continuously.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is in violation of FCRA, FDCPA and XXXX XXXX Compliance.
Product: Credit card or prepaid card

The milestone credit card lied about which bank they were associated with, paid to remove negative postings online and placement of actual information and has taken double. I paid the card off and made all payments. A XXXX card after years of not using it I've paid XXXX dollars plus with the balance changing day by day and the information about my account changing on a whim. It isn't right. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX DATE OPENED : XX/XX/2018 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX 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 an account without my written instructions.
Product: Debt collection

At 120 days late with Netcredit, Netcredit was aware I could not pay. Netcredit then conducted financial abuse to me by letting XXXX percent interest to balloon out for a long period in order to take a large tax credit at a percentage not allowed by the usury limit of the state of Florida, which set to prevent predatorial lenders. Netcredit knew I couldn't pay and used that to financially abuse me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Suntrust Bank purchased my mortgage from XXXX XXXX. 

On XX/XX/XXXX I received multiple alerts from my credit monitoring services that I had received a hard inquiry on my credit report. This was performed on XXXX  XXXX  XXXX ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, IA XXXX ; XXXX ) on behalf of Suntrust Bank ( XXXX XXXX XXXX, XXXX, VA XXXX ; XXXX ). 

On XX/XX/XXXX or XXXX I called Suntrust Bank ( XXXX ) to report what I believed to be a fraudulent pull of my credit report. Suntrust Bank mailed a letter dated XX/XX/XXXX indicating that they were investigating the report ; Suntrust Bank mailed another letter dated XX/XX/XXXX indicating that they researched my account and found nothing wrong. I also received a letter in the mail dated XX/XX/XXXX " Notice to Home Loan Applicant '' with Suntrust and XXXX  's contact information and my credit scores. 

I called Suntrust two times on XX/XX/XXXX. On the first call, Suntrust 's mortgage department told me that I would need to take this up directly with the credit bureau. I called XXXX  who told me I needed to request a " letter of deletion '' from Suntrust or my local police station. I called Suntrust again on XX/XX/XXXX and the individual I spoke with indicated that they did not have a record of pulling my credit in conjunction with my existing mortgage, but that I should talk to their loan application department to see if there was a loan application there. 

I then proceeded to call XXXX XXXX XXXX directly, and they told me that I'd have to request the letter of deletion from Suntrust, but that they were requested to pull the credit in conjunction with my existing mortgage with the " loan number '' aka my existing mortgage with Suntrust, the same loan number that Suntrust denied that any credit pulls were associated with. 

At this point, Suntrust is still refusing to admit that they performed a hard-inquiry on my credit report, despite it being reported on all three credit reporting sites and confirmed by their servicer, XXXX XXXX XXXX.
Product: Mortgage

Have been trying to get a short sale done since XX/XX/2018. Ive gotten three contracts/offers on the property, and the mortgage company has been negligent in processing the sale each time. They continue to ignore me and my realtor, and have passed us around to more than a dozen different people, making it impossible to complete the transactions. Ive lost two potential buyers due to their incompetence. And each offer has gotten lower and lower. I was laid off from my job on XX/XX/18, and really would like to get the short sale done. CIT bank is the worst!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several mortgage inquiries on my credit report with XXXX, Equifax, and XXXX that I did NOT authorized. I never applied for a mortgage. 

I pulled a copy of my credit report and contacted the companies that made the inquiry and they had no record of me. And I was advised to file a FTC report. 

Please investigate the following inquires for removal. 

XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX Financial Thanks, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On a previously submitted case,  ChexSystems   indicated that they removed any negative information related to me that was involved in my bankruptcy, however, I am still being declined due to information pertained in my ChexSystems file, which is still indicating previous relationships with other FI 's. They have not done anything to remedy this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was going to buy a money order and she asked me if i have iD so i provided and she started to take my personal information. She literelay asked my XXXX all my personal information and later said that she said that she is not selling me money order with disrespctful behavior. Thr incident happened in XXXX XXXX branch on XXXX XXXX XXXX. Ace cash express store. I dont wamt consumers give their info and get screwed by them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX ; XXXX XXXX XXXX UNIT XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Dispute of Inaccurate Information on Credit Report and Violation of the Fair Credit Reporting Act ( FCRA ) Dear CFPB, I am submitting this complaint against Experian and XXXX regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
I discovered discrepancies in the following account : Account Name : XXXX Bank Account Number : XXXX Disputed Information : Incorrect reporting of charge-off and late payments. 
Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

Section 611 : Right to dispute inaccuracies and request investigation.

Section 623 ( a ) ( 5 ) : Removal of unverifiable information that has not been validated by the original creditor. 
15 U.S. Code 1681e ( b ) : Ensures that procedures for including information in credit reports ensure maximum possible accuracy.

Despite my request, Experian and XXXX failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
Additional Information : Attached documents : Updated credit report from Experian and XXXX showing unresolved discrepancies. 
Supporting documentation, including correspondence with the creditor. 
Resolution Requested : I am requesting that the CFPB investigate this matter and assist in ensuring that Experian and XXXX complies with the FCRA by : Conducting a full investigation into my dispute. 
Correcting or removing any inaccuracies found in my credit report. 
Ensuring that all reporting practices align with federal regulations. 
Removing all accounts reported inaccurately due to the violations of the FCRA. 
Applicable FCRA Violations : 15 U.S. Code 1681i : Failure to correct inaccurate or unverifiable information within 30 days.

15 U.S. Code 1681e ( b ) : Failure to ensure maximum possible accuracy.

15 U.S. Code 1681s-2 : Failure of the furnisher to investigate and correct inaccuracies upon notice of dispute. 
Thank you for your attention to this matter. I look forward to your response and assistance in resolving this issue promptly. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

My account was closed through chase because of fraud I was trying to get a loan and my account was closed the bank still owed me {$250.00} and I was sent {$4.00} in a cashier 's check and they will not release the test because they say that the estate check I received after my mom passed away was a third party check and I need proof that I could cash the check but the check cleared and I used the account for at least 6 months before it was closed and I have them a copy of my mother 's death certificate and a copy of the affidavit stamped and notarized from the court house but instead of them doing an estate account they put the account in my name
Product: Money transfer, virtual currency, or money service

I am writing this formal complaint in regards to numerous cash app transactions that was stolen from me from numerous scam accounts but same person from my cash app account ( XXXX ) ..I have filed a police report for theft and identity theft on the user have stolen my identity and who stolen money from me, opening fraudulent accounts under my name, and starting leases in my name to continuously steal from me and others under my name. I have submitted my police report to Cash App along with my legal filing but they are not honoring my dispute. As a cash app user of XXXX years I have never had any issues with my account and did not deserve thousands of dollars being stolen from me and my account being shut down because someone stole my identity. And its even more unfortunate that cash app refunded me {$50.00} out of the {$6200.00} but it is the same person whos stolen from me. I take care of my family and cash app is the service I use to send them money and need my money back ASAP. This has put me behind on rent, bills, loss of work hours, food, and much more due to the severity of this situation. I should not have to suffer because someone else stole from me ; and I deal with the consequences and the scammer is able to steal and pose as CashApp and can continue to use their platform because CashApp doesnt protect the innocent. CashApp suggested requesting money from a scammer but how does that even logically make sense. I have tried working with XXXX but they say CashApp should refund me the money that was stolen from me and chargeback those accounts! 
Below are the transactions listed below : XX/XX/XXXX To XXXX XXXX XXXX Cash App XXXX {$100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Cash App XXXX {$200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Cash App XXXX {$100.00} XX/XX/XXXX From XXXX XXXX XXXX Cash App XXXX {$50.00} XX/XX/XXXX To XXXX XXXX XXXX Cash App XXXX {$250.00} XX/XX/XXXX To XXXX XXXX XXXX Cash App XXXX {$430.00} XX/XX/XXXX From XXXX XXXX Cash App XXXX {$200.00} XX/XX/XXXX To XXXX XXXX Cash App XXXX {$350.00} XX/XX/XXXX To XXXX XXXX Cash App XXXX {$150.00} XXXX To XXXX XXXX Cash App XXXX {$400.00} XXXX To XXXX XXXX Cash App payment XXXX {$760.00} XXXX To XXXX XXXX Cash App XXXX {$1000.00} XXXX To XXXX XXXX Cash App XXXX {$250.00} XX/XX/XXXX To XXXX XXXX Cash App XXXX {$250.00} XX/XX/XXXX To XXXX XXXX Cash App XXXX {$40.00} XX/XX/XXXX To XXXX XXXX Cash App XXXX {$300.00} XX/XX/XXXX To XXXX XXXX Cash App XXXX {$180.00} XX/XX/XXXX To XXXX XXXX Cash App XXXX {$130.00} XX/XX/XXXX To XXXX XXXX Cash App XXXX {$800.00} XX/XX/XXXX To XXXX XXXX Cash App XXXX {$300.00}
Product: Credit card or prepaid card

To put simply in 2 parts ... .one. my mortgage company had a issue with there billing system so they're systems showed and reported i was 30 days late on payment this problem was resolved an recalled from my credit report but did lower my score for a short time ... two my jcpenney credit card company is the problem they lowered my credit limit, thus affecting my credit scores, once i contacted the company they said it was because it showed the score affected by the mortgage company and also that i make two separate payments too close together thus making me think i paid my current and next payment early .only to find out their system applied both payments to the same month ... .so theyre systems showed i was 30 days late on payment that i had already paid ... .they claim theyre systems can not remove this error of lowered credit limit because of the late payment ( that i made believing it would cover said late months payment ) an error to my credit scores reflecting a lower credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying since XX/XX/XXXX to get a report from Key Bank stating that I have made all of my payments in time for a home equity loan. Key Bank has sent me to their bankrupcty department as I did file banruptcy in XX/XX/XXXX and it was discharged in XX/XX/XXXX. I reaffirmed with Key bank but they are treating my loan with them as if I didn't reaffirm but they have collected over {$8000.00} from me and this is now paid in full. I have called Key bank in XX/XX/XXXX trying to get this correct and I also had a 3 way conversation with Key bank and XXXX  back as I was trying to refinance my house. I was denied a refi due to this error. I was not aware that they could not do this to me until I met with my new lender and she explained to me that they can not not reaffirm with me nor can they take my loan that I did reaffirm with as report it to the credit bureau that this account was included in a Bankruptcy. I also spent an hour on the phone trying to contact people at Key bank this past Tuesday XX/XX/XXXX trying to get this resolved only to have people disconnect me, send me to unknown voicemail or just refuse to speak with me. I then went into the Local Key branch in XXXX, Indiana and spoke with the Branch Manager XXXX XXXX and she was of no help. She reached out to a lady named XXXX - office code number is XXXX ( i believe ) and she was to either email the payment history to XXXX or mail it to me. I haven't seen anything so I called XXXX  on Friday and asked about this paperwork as this is costing me quite a bit of money and she stated she would follow up with XXXX  and return my phone call but she never called me back. My new potential lender then emailed XXXX cc'ing me as I was in the office with her and again no response. Key bank is not working with me to correct the error on their part and to report to the credit bureau a correct report.
Product: Debt collection

An account was placed with Spring Oaks Capital LLC for collection, they contacted me first in XX/XX/XXXX with a dunning letter, not recognizing the debt I immediately sent a validation letter. They failed to respond until XX/XX/XXXX and the validation was a copy of a single card statement, no proof of ownership of the debt by myself, and no proof that the account t had been transferred to their company. I wrote again requesting the information and received correspondence indicating it was the same matter already investigated and they wouldnt investigate it. I sent another email clarifying what I was requesting and that a card statement does not prove ownership, application for the card, or that their company is authorized to collect the debt. They once again responded that the dispute was the same and had already been investigated.
Product: Credit card or prepaid card

Whereas every obligation is to be discharged upon payment, dollar for dollar ( in any coin or currency which at the time of payment is legal tender for public and private debts ). And where every provision contained in any law authorizing obligations to be issued by or under authority of the United States, is hereby repealed ; please take the necessary steps to discharge any debt incurred from consumer credit transactions on this card under HJR 192. 

Additionally, in accordance with 15 U.S. Code 1666 ( A ), please take the necessary steps to credit any balance created in connection with consumer credit transactions on this credit card. 

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

In accordance with the Fair Credit Act XXXX XXXX  XXXX Acct XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a collection item by XXXX XXXX XXXX, receive a email from XXXX and Transunion that they verified the debt. So I asked them to provide me with a copy of the information they used or that they had on file to validate this collection to this day they have not provided this information or removed this item from my credit report. XXXX on the other hand sent me a copy of an account summary report ( this is not what I asked them for ) I asked them to provide me with a copy of the original contract that I signed with them proving that I owed them the {$290.00} debt they have as a collection item on my credit report. I still have not received that information from them. 

As I understand the law once the original creditor receives a charge-off they forfeit all rights to collect that debt and no third party can assume the role of the original creditor.