23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX, we received notification from XXXX XXXX that our loan was being transferred to Selene XXXX and that the transfer would occur on XXXX. At the time we received the notice, we were completing a COVID relief loan modification with XXXX XXXX. The trial payments and modified agreement were successfully completed with XXXX XXXX ( see attached ). Once the loan was transferred and setup with Selene, I was able to make contact with them to discuss if the modified agreement had been transfered. They indicated they had not received it and instructed me to send the documentation of the successful trial payments and modified agreement to XXXXselenefinanceXXXX  which I did on XX/XX/XXXX. They were unable/unwilling to provide me with a direct contact and required an email to be sent. I received no acknowledgement indicating receipt of that correspondence. I will attach a copy of that correspondence as well to this complaint. Through a series of phone calls to Selene, I was able to continue making payments that were consistent with the amounts under the modified agreement with XXXX XXXX in order to avoid any further risks to our mortgage with Selene. I was advised that the matter would be resolved by XX/XX/XXXX. After contact Selene shortly after that date, I was advised that the review was still pending and that no final decision had been made on the mortgage with Selene. At that time and as of now, the loan is showing to be in collections and I am receiving correspondence indicating that the account is in collections and likely at risk of foreclosure. When I contacted Selene this week and spoke with a representative by the name of XXXX, I was advised that the modification from XXXX XXXX was not accepted and the account status remained in collections- again, despite having been modified with the previous lender, I was instructed again to contact the email above regarding concerns to which I did. I was also advised that a supervisor would be contacting me within XXXX business days. I have also not received that call as of this message. The obvious concern here is that they could pursue foreclosure on the basis of the terms they are showing, which are not consistent with the terms of the loan they received. To make matters worse, I have a child who has XXXX XXXX and this matter is extremely stressful to our family and we can not afford much extra time or effort- i say this because your help is greatly appreciated and welcomed. Thank you kindly - XXXX and XXXX XXXX
Product: Debt collection

I received a notice from XXXX XXXX XXXX that says I owe a debt of {$4700.00}. 

I do not owe this. 

The notice says its from XXXX XXXX Bank ... I never had an account with XXXX XXXX Bank ...
Product: Mortgage

PNC Bank is so unprofessional and made me waste my time and money! I walked in on XX/XX/XXXX to apply for a mortgage loan & the first thing I did was ask if I could apply for the loan with my XXXX XXXX   because I was XXXX XXXX XXXX. I am under whats called XXXX, XXXX XXXX XXXX XXXX XXXX which allows us to XXXX and XXXX XXXX in the U.S, I am aware not all banks accept that or will only approve your loan untill your XXXX expires and thats WHYY it was the FIRST thing that I asked & I was told that they do accept it. I had all the documents needed that day because I had previously applied at other banks, I had my W2, tax returns, pay stubs, bank statements, proof of down payment, social, ID, EVERYTHING. The lady that helped me took copies of what was needed to send to the loan officer & later on  was told I got pre approved. I picked out the house I wanted and went from there. My loan officer almost NEVER called me to let me know anything about the loan it would always be my realtor having to call him and get updates. They asked for the earnest money and due diligence which was {$2000.00} total. I was told that if I backed out I would not get the money back but I NEVER backed out. I was willing to continue untill the house was mine! Then they asked for the appraisal money and that was {$600.00}. My closing date was set for XX/XX/XXXX but they kept asking for more and more documents and asked for a copy of my XXXX XXXX, so the date got moved to the XXXX. Comes XX/XX/XXXX and my realtor has to call the loan officer early in the morning to confirm & the loan officer tells her we can not proceed with the loan because I am not a XXXX XXXX and can not do a loan with my XXXX XXXX, she asked him if he spoke to me already and he said no. I waited all day for him to call me and he never did so I called before XXXX and thats when he told me we could not proceed. My point is I clearly asked before I started the process if I could apply with my XXXX XXXX and was told yes, made me spend {$2600.00}!! Money that I have to work hard for and is not growing on trees for them to say no the DAY OF CLOSING?? and tell me I cant get my money back?? Its YOUR fault for saying you DO accept my XXXX. If they would of said no I would of NEVER wasted my time with PNC.
Product: Credit reporting or other personal consumer reports

If you persist in apparent disregard, noncompliance, or deficiency of substantial, satisfying, and/or otherwise evident proof of compliant reporting practices, I must warn you that this letter serves as my official notice prior to my likely decision to petition a civil court nearest me for a writ of review related to the aforementioned issues I suspect. Please be advised that I am the injured consumer of your unproven or inadequate reporting practices. As such, I am contesting the assumed, but actually very conditional, reporting privileges for any and all of your claims challenged within this consumer complaint. This declaration calls for your demonstration of authoritative, certifiable, compliant, lawful reporting that assuredly adheres to no less than the mandatory state and federal reporting mandates and statutes. My demand for your fastidious scrutiny shall categorically include, but not be limited to, your adherence to accords cited within the FCBA, FCRA, ECOA, as well as any and all applicable laws within my state, proven to be commodiously ample for illustrating your adequate statutory reporting occurred exactly as related to any claim purported by you in my report ( s ). Particularly concerning to me is if any or all of your claim 's aspects are alleged yet display potential deficiency, having plausible deviations from your obligatory utilized industry standards for legal, fair, and ethical reporting and did so with respect to a comme il faut status. Incontestably, your compulsion should be that of certifiable conformity to the Metro 2 Data-filled Field Formatted Reporting Standards, per CDIA!

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5- day notice to me as mandated by reporting regulations that you MUST comply with.

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 

Listed below are the Accounts and Inquiries that are being challenged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ,  XXXX  SS #  XXXX  DOB  XX/XX/XXXX  ADDRESS   XXXX   XXXX   XXXX   XXXX   XXXX  , FL  XXXX   XX/XX/XXXX  To Whom it  May  Concern :  XXXX   XXXX .  XXXX   XXXX   XXXX , TX  XXXX   Equifax    XXXX   XXXX   XXXX   XXXX   XXXX , GA  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   PA  XXXX  I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order.   The following inquiries are related to none of the aforementioned permissible purposes.       XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   Auto Financing    XXXX   XXXX       XXXX   XXXX   XXXX       XXXX   XXXX    Auto Financing   XXXX   XXXX   XXXX       XXXX   XXXX   XXXX        XXXX   XXXX    Auto Financing  XXXX     XXXX   XXXX   XXXX       XXXX   XXXX      National Credit Card Cos.       XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX     National Credit Card Cos.       XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX       National Credit Card Cos.        XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX    Television & Radio    XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   T elevision & Radio   XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   Miscellaneous  XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   Miscellaneous Reptg. Agencies  XXXX   XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   Miscellaneous Reptg. Agencies   XXXX   XXXX      XXXX   XXXX   XXXX      XXXX   XXXX    Miscellaneous Reptg. Age ncies    XXXX   XXXX      XXXX   XXXX   XXXX        XXXX   XXXX      National Credit Card Cos.        XXXX   XXXX      XXXX   XXXX   XXXX      XXXX   XXXX     National  Credit Card Cos.      XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   Auto Financing   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   Miscellaneous  XXXX    XXXX   XXXX   XXXX     XXXX   XXXX    XXXX   XXXX , Tire Dealers   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   Auto Financing   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   All Banks  XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   Personal Loans Cos.    XXXX   XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   All Banks   XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX    XXXX   XXXX  Auto Financing Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely,  XXXX ,  XXXX  SS #  XXXX  DOB  XXXX / XXXX / XXXX  ADDRESS   XXXX   XXXX   XXXX   XXXX   XXXX   FL  XXXX
Product: Credit card

Dear CFPB, I am writing to file a formal complaint against Bank of America regarding persistent and unresolved issues with my XXXX XXXX XXXX XXXX, which I opened on or around XX/XX/year>. 

Since receiving the card, I have encountered numerous problems with its functionality. The card is consistently declined for every transaction, regardless of the amount or vendor. This has led to significant inconvenience and frustration. 

I have contacted Bank of America 's customer service department on multiple occasions, nearly 20 times, to address these issues. Despite numerous promises to resolve the problem, the card continues to be declined. I have followed all suggested troubleshooting steps, including downloading the mobile app and enrolling in text alerts, but these measures have been ineffective. 

Due to these ongoing issues, I am unable to utilize the card for its intended purpose. This has prevented me from meeting the spending requirements for a bonus offer associated with the card. Additionally, Bank of America charges me a yearly fee for a card that is essentially unusable. 

I believe that Bank of America 's failure to resolve these issues constitutes a significant violation of consumer protection laws. I am seeking compensation for the inconvenience, frustration, and financial loss caused by these persistent problems. I would appreciate it if you could investigate this matter promptly and take appropriate action. 

Thank you for your time and attention to this matter. 

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

Hi, I am writing to dispute a late fee that has been reported on my credit report XX/XX/XXXX XXXX  days late and XX/XX/XXXX XXXX days late. I mailed a check to your company for the payment, but it appears that you have not received it. 

Additionally, I never received any notification that my payment was late and that I needed to take action. I believe it is unfair to report this late fee on my credit report without providing adequate warning. 

I kindly request that you remove the late fee from my credit report and investigate the issue of my missing payment. 

Thank you for your attention to this matter.
Product: Credit card

I have had a XXXX ( mental health and physical health ) starting in XXXX. In XXXX XXXX of my Doctors ( XXXX XXXX XXXX XXXX stated that I was likely fully XXXX. In XXXX XXXX I was ruled by an administrative judge to be 100 % XXXX and eligible for Social Security XXXX. Veterans Legal Aid in XXXX XXXX Florida ( XXXX XXXX, XXXX. XXXX contacted these all of the federal student loan agencies but they have refused to discharge the loans as required under the law. The continued marking of my credit report as delinquent and and the large balance owed vs my poverty level income from Social Security XXXX leaves me very vulnerable to being unable to renew my lease in XXXX as these directly impact credit scoring.
Product: Mortgage

I'm asking the CFPB to obtain a copy of Wells Fargo 's mortgage contract between XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, and Wells Fargo Home Mortgages XXXX XXXX XXXX XXXX XXXX IA XXXX Their attorney sent XXXX XXXX a draft of a contract that did not meet Federal criteria. I sent this document to one of 13 Federal Handwriting Examiners, and this document failed. It was not XXXX XXXX signature. It was a signature retrieved from XXXX. It was a digital signature. It was a copied signature. It was not a blue or blue-black ink signature. Wells Fargo continues to state they have a signed contract. They do not. Their attorney is XXXX XXXX of XXXX Law Firm in XXXX XXXX, Iowa. You are being asked to get from Wells Fargo the legitimate signature stated they have. I've been trying for 10 years. This is the last request before court. 
XXXX XXXX Cell : ( XXXX ) XXXX Email : XXXX Mailing Address : XXXX XXXX XXXX, XXXX XXXX, Illinois XXXX
Product: Credit reporting or other personal consumer reports

I want the account inquirys deleted and the one account ( great American ) taken off my credit report because I didnt authorize these companies to run my credit
Product: Credit reporting or other personal consumer reports

I froze my credit reports with the XXXX main credit bureaus while traveling this past summer, due to the large security social number security breach reported in the news. 

I had absolutely no problems freezing and accessing my accounts with XXXX and XXXX. When I went to freeze my Experian report, they allowed me to freeze it, but I now have no way of logging into their website, seemingly due to a backend system problem. 
Experian does not offer any obvious way of getting help online or by calling in to speak to someone about account access issues. While applying for a home equity loan recently, I realized I had no way of unfreezing my account in a reasonable amount of time due to this website issue, and I had to cancel my loan application. 

I was ultimately able to successfully unfreeze my account by mailing my personal identification documents to their address in XXXX, XXXX, to obtain a pin number, which I then used to call a XXXX number. This process took almost XXXX weeks for me to go through, however. 

The issue that I'm upset about is the fact that I am legitimately trying access my personal information through their website, but their systems are broken, and there is no obvious way to get the problem corrected. I have sent XXXX emails to an email address I found by asking XXXX  for ways to contact them ( XXXX ), but I have never received a reply from them. Their phone support menu has no way to speak to a human representative about account issues, or any way to help resolve online account management issues. 

I realize that they have slow, rigid processes set up to prevent fraud, but when someone is legitimately trying to access their own data, and they can't, that seems wrong, especially when I have no choice in the matter of them being gatekeepers of my financial information.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed I had a fraudulent account on my report. Please remove this fraudulent account from my report because it is hindering me from obtaining credit. I don't recognize this account. 

Transunion XXXX XXXX XXXX XXXX XX/XX/year> {$420.00}
Product: Credit reporting or other personal consumer reports

The address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX, is showing up on my credit report and I have never lived there nor do I currently live there. 
Please remove this address from my credit report.
Product: Checking or savings account

bank did allow me to withdraw XXXX from my retirement deposit for expenses leaving XXXX in my account now my ss check has been deposited but I cant touch it I owe rent money among other creditors and my credit rating is being destroyed
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$20000.00}
Product: Student loan

I have a loan through the Department of Education, third party Nelnet, that I am in the process of repaying. In the fall of 2015, I had some trouble repaying my loans, which resulted in four missed payments on my account. I pay ONE bill to Nelnet, with no option to allocate the payment. I have four student loan disbursements, but I was under the impression they were consolidated - especially since I only have the option to pay one bill. However, the company reported my missed payments to the credit bureaus as 16 missed payments ( 4 missed payments for each of the 4 accounts ). This has greatly impacted my credit score, and is keeping me from being able to move forward with purchasing a home. I have contacted the agency and have been told that because I was not in the military at the time of the missed payments, there is nothing they can do. My problem is the duplicate missed payments. It doesn't seem right that if I do not have the option to pay the accounts separately that they can penalize me separately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Amount past due {$570.00} XXXX XXXX 15 USC 1692 ( c ) ( c ) is a section of the Fair Debt Collection Practices Act ( FDCPA ) 12.The section ( c ) of 15 USC 1692 states that1 : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Credit Report Dispute Inaccurate Collection Account Reporting Dear XXXX, I am writing to formally dispute inaccurate information reported on my credit file. The specific account in question is : Creditor Name : Portfolio Recovery Associates Original Creditor : XXXX XXXX Account Number : XXXX Balance Reported : {$5300.00} Status : Collection Account Upon reviewing my credit report, I identified clear factual inaccuracies that must be corrected : 1.Incorrect Status Update Date vs. Continuous Delinquency Reporting : The report states the last status update was in XX/XX/XXXX, yet the payment history continues reporting collection activity through XX/XX/XXXX. If the status was last updated in XXXX, the account should not be reflecting ongoing monthly delinquency. This suggests re-aging, which is a violation of the Fair Credit Reporting Act ( FCRA ). 
2.Potentially Unfair Extended Reporting : The account shows repeated collection reporting every month from XX/XX/XXXX through XX/XX/XXXX, making it appear as though new delinquency is occurring each month. If this account was already transferred to collections in XXXX, there should not be ongoing updates that unfairly extend its negative impact on my credit score. 

These inaccuracies are misleading and negatively impact my credit. I request that XXXX investigate this account, and if the creditor can not verify accurate reporting, I request that the account be corrected or removed from my credit report. 

Please provide a written response with the results of your investigation within the time required under the FCRA. 

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

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

Attached is my letter, I sent my FTC XXXX in the previous disputes.
Product: Credit card

My XXXX XXXX is serviced by Synchrony Bank. My payments are sent via ACH. One payment issued on XX/XX/2024 for {$32.00} was not credited to my charge account. Called Synchrony on XX/XX/2024 ( XXXX ) and told them the payment was not posted and to remove all my late fees and interest based on the missing payment. They did not remove all the late fees and interest, and the payment was not researched. A screen shot is included of my recent payments which includes the missing payment. Nothing changed in my bill pay other than the amounts. Payments were posted before the missing payment and after the missing payment. It disturbs me that an ACH payment can be missed by a Servicer. Had a similar issue with my Lowe 's credit card and CFPB Complaint ID XXXX. Synchrony services the Lowe 's credit card too. It was resolved by Synchrony after the complaint was filed. My fear to what I have read, XXXX XXXX may not extend its servicing agreement with XXXX XXXX and Synchrony is a candidate to replace them. If so, I will drop my XXXX XXXX. Many more transactions hit my XXXX XXXX, and can you imagine the outcome?