23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My wife, XXXX, and I have a joint mortgage with Wells Fargo ( WF ) ; the mortgage was formerly with XXXX and then XXXX. We have been paying the mortgage each month, but because of WF 's accounting process they refused to amend the payment date to coincide with XXXX 's payment date which is on the first of each month. WF insisted on maintaining the XXXX of each month as the mortgage due date which disadvantaged us, the borrowers, as our salary was paid on the XXXX of each month, and enabled WF to calculate whether the loan was past due or in default. Despite the fact that the mortgage was always paid each month, WF have applied erroneous late fees amounting to over {$5000.00} because the payment was not received on the XXXX of each month. .WF 's refusal to work with us has cost us XXXX dollars and negatively impacted our credit status. We are disputing the accounting process that WF is using in the " Customer Account Activity Statement : Loan # XXXX created on XXXX/XXXX/XXXX. 
Secondly we have made several attempts since XXXX to obtain a fixed rate mortgage for this loan. We have received conflicting information from a succession of " mortgage specialists '' employed by XXXX XXXX, XXXX and now WF. Clearly our mortgage loan was bundled into a mortgage security, used as collateral for a succession of bank mergers and acquisitions, to our detriment as the loan holders. 
We have been requesting detailed explanations from WF justifying the accrual of these late fees and WF have either failed to respond or given us unsatisfactory explanations.. 
We strongly feel that we have been treated unjustly and that our financial situation has been adversely impacted by WF 's ; lack of due diligence. Confirmation of this belief is evidenced by the recent decision of the City of XXXX CA to file suit against WF in federal court on behalf of WF customers, such as ourselves. 
We also applied for a loan modification ; we did not receive positive consideration from WF to assist us in keeping our home and modifying the loan payments. Subsequently since XXXX we have been periodically threatened with loan foreclosure, causing us considerable distress and negatively impacting our credit rating, despite the fact that we pay the mortgage faithfully each month, and we are both employed. 

We are requesting that ALL the so-called late fees totaling {$5300.00} as of XXXX/XXXX/XXXX be removed as a good faith gesture by WF since we are not delinquent mortgage payers and we are long term WF customers. On XXXX XXXX XXXX, under difficult financial circumstances and under threat of foreclosure we made a good faith effort to raise and pay {$5000.00} towards the late fees This should have paid off the late fees. Instead because of WF 's dishonest accounting gimmicks the late fees remain the same and so we are further disadvantaged. 
This late fee dispute is preventing us from converting our sub prime mortgage, XXXX the kind of mortgage condemned by XXXX XXXX as being responsible for the XXXX financial crisis ) to a fixed rate mortgage..
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that as of XX/XX/XXXX as listed on my most recently reviewed consumer report, there are several fraud/unauthorized inquires listed. As a reference, please see below inquiries : INQUIRY XXXX XXXX XX/XX/XXXX INQUIRY XXXX XXXX XXXX  XXXX XXXX, XXXX INQUIRY XXXX XXXX, XXXX I am hereby notifying you that neither on that those or dates similar did I authorize any individual from listed to pull or review my consumer report. Additionally, I have not given permission to furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. 
Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this informationplease remove the abovementioned inquiries IMMEDIATELY. It is your duty to accurately report this information and as of now you are not doing that. I look forward to The Credit Reporting Agency resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file I will file a dispute against you in small claims court seeking remedy for said violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name 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 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  has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have been trying to apply for a rental. When the property management runs a background check, I am being told that I am denied due to a rental score. This score is based on me being evicted. However, I have not been evited. During Covid lock down, I was late paying my rent a few times. Only had to go to court once. The court hearing was dismissed, but is being reported as an eviction. I am still residing in the current address and have been renting there for 3 years and 6 months. I am being denied rental anywhere I apply based off of the third party rental screening. There is no eviction on my record.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit card

My recent statement cycled and it is still reflecting the XXXX of 29.99 % which is variable and is not reflecting the Federal Reserve interest rate decrease from XXXX which should be on the current statement as 29.49 %  and it is not
Product: Mortgage

Due to a change in circumstances, my house was in default and I received funds from the Obama save the dream program ( Ohio XXXX ). I was given {$15000.00} and it was supposed to be applied to bring my payments current. My mortgage company, XXXX XXXX or its assignee, did not apply this money properly to my mortgage account. They have been unable to give a proper and complete payment history. My home has been in foreclosure court XXXX different times due to this in XXXX, XXXX, XXXX. The cases in XXXX and XXXX were dismissed by the bank because they could not produce the evidence needed to support the payment history. 
In XXXX, was dismissed with, the magistrate advised the mortgage company to get the payment history corrected. My atty and I have repeatedly asked for the funds to be applied correctly with correct payment and payment history amounts. This has not been done. 
Court : Case # XXXX Filed XXXX XXXX, XXXX : Case # XXXX Filed XXXX XXXX, XXXX : Case # XXXX Filed XXXX XXXX, XXXXWhat we would like to see happen ; that would be in favor of all involved ; would be a correct payment history, reversed interest and late fees for the period of time I did n't have the corrected payment history, then modify the loan to allow me to make regular and reasonable monthly payments.
Product: Credit card or prepaid card

I have tried repeatedly to resolve a billing dispute on my Chase business card, for 2 transactions totaling {$30000.00}. Previously, I have never had an issue with their customer service resolving billing disputes. I was always able to speak to someone in the United States who spoke fluent English. I was scammed by an individual, and I have faxed and emailed every piece of evidence and document they have requested of me, yet I still get generic responses and the runaround. My evidence is clear as day, as the correspondence with the " seller '' documents his admission of not sending the correct items. One of the Chase representatives actually told me that even if I don't receive the merchandise I was supposed to receive, they are unable to help me as long as seller 's tracking shows delivered. I am not getting ANY assistance from their customer service, to resolve my disputes. Because this has now been going on for 3 months, my only option is to take Chase to arbitration.
Product: Mortgage

Our client, XXXX XXXX XXXX submitted a loan modification on XXXX XXXX, XXXX. Proof of same attached. Her sale date was not until XXXX XXXX, XXXX. After cooperating with Ditech and opposing counsel with the clarification and ongoing submission of documentation, along with filing a motion on XXXX XXXX, XXXX ( Emergency Motion to Cancel the Sale ) based on CFPB guidelines, we finally got opposing counsel to confirm the file was facially complete and sent an agreed order cancelling the sale to Judge XXXX on XXXX XXXX, XXXX. Unfortunately, XXXX XXXX did not receive the order and the sale went through. We then filed our objection to sale on the basis that there was a pending loan modification review AND that we had oppossing counsel 's agreement on XXXX XXXX, XXXX. We had a hearing on our objection on XXXX XXXX, XXXX. Opposing counsel lied to the Judge that we did not file a motion to attempt to cancel or stay the sale ( we did on XXXX XXXX, XXXX ) and opposing counsel lied and indicated they did not have all the documentation necessary ( which they did and confirmed via email re : same and attached ). Opposing counsel also indicated to the Judge that our client was NOT on the mortgage when in fact she was. The XXXX did not weigh in our favor and his decision was based upon incorrect information. As a result, our client is being threatened by the new owner when we are in the process of filing a motion for rehearing because the Judge did not have the proper facts to make an informed, fair decision. We ask for your help in that we need this opportunity and support so to file a motion for rehearing and have the certificate of title vacated as all was done as a result of incorrect information. I have attached emails in support.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX on XX/XX/2022 because Professional Debt Mediation is reporting that I owe them {$190.00}. XXXX confirmed that I dont owe them or PDM. We called PDM and the manager wouldnt talk to them because I was on the phone. I dont owe PDM but theyre reporting a closed account with a {$190.00} balance on XXXX and open owing {$190.00} on XXXX. I did not have any services with PDM. I need this removed from my credit report ASAP. Im not paying PDM anything because XXXX was paid in full months ago. Their reporting is ILLEGAL.
Product: Mortgage

My complaint is against Select Portfolio Servicing , Inc. the Servicers of my loan Select Portfolio Servicing became the servicer the beginning of XXXX prior to that XXXX XXXX had the account. I received a letter from XXXX XXXX indicating that they were no longer the servicers but SPS was and that any arrangement or agreement that XXXX XXXX had prior to the change of Servicer that agreement would be honored by Select Portfolio Servicing. The letter sent to me from XXXX in XX/XX/XXXX states that. I continued to work very hard to make sure that XXXX XXXX had all the documents they needed to approve a short pay-off since that agreement would be honored. 

Originally XXXX XXXX agreed to XXXX and that was the current offer on the table. However, as I started working with SPS they were reluctant to allow me to move forward with the XXXX short pay even though that was the agreement with the prior servicer. 
SPS came back later and agreed to a XXXX Short Pay I agreed and moved forward to get the banks offer and closing date. I had to work very hard to remove erroneous property tax charges and other charges placed on my account to hinder me from selling my home outright. 
We were about to close with the Bank and pay SPS as agreed but out of no wheres SPS pulled the agreement and stop the closing. I made a request from SPS to get updated settlement letter from SPS. For the closing but they refused and then backed completely out. They ordered an auction of my home without cause when I have the bank loan to pay the loan off. 
SPS is fraudulent and deceptive practices should be stop. Please review the information I have submitted to show that their activity is very suspect and borderline criminal. 
Please review the fabricated promissory note which has a notary they employ and the signature of the POA that does not exist., please see the attached. I have shown SPS and the investor several times that the original lender was out of business before they finance my loan. The Servicer as well as the attorney knows that the company had no license to do business in this state but continued to do business illegally. 

The attorney General in this state has turned a blind eye to the situation even though hundreds of people have gotten loans and lost their home with the enormous fraud perpetuated by the authorities and those involved in this scam. The notice of error was sent out, but they ignored the RESPA violations. 
There were issues with the closing, but they ignored that the information I provided which show that my loan was never assigned. They have no legal right to foreclose or auction my property.
Product: Payday loan, title loan, or personal loan

OnXX/XX/XXXX XXXX XXXX delivered a pay-off of personal line of credit. This has not been cashed by receiving bank yet. We have contacted numerous people and have been given conflicting statements. Where is the pay-off check that has been delivered? XXXX provided a confirmation that the check had been delivered ( on-line banking ). Sent to address on the statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Experian and requesting information such as, my consumer file in which I have yet to receive a response. 
Experian is in violation of my rights as a federally protected consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX -I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. 

BANKAMERICA XXXX I was never late 30 days on XX/XX/19. The payment history and the status of this account is inaccurate. This account should not be late pursuant CARES Act. Thoroughly investigate and update with lawful accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

# XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may net treat a payment on a credit card account under an open end 51 consumer credit plan as late for I XXXX XXXX XXXX purpose. 
XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

XXXX  XXXX XXXX dont have a active collection account XXXX was put under my experian credit where XXXX XXXX XXXX filed a comolaint against XXXX  XXXX stole social security number and open a cell phone account under XXXX XXXX XXXX and XXXX XXXX XXXX  then charged XXXX XXXX XXXXXXXX XXXX XXXX debt collection to my account
Product: Mortgage

We submitted a complaint about Green Tree Mortgage taking a payment and misapplying it incorrectly and then charging us for late fees and not remedying the situation after we wrote numerous letters. We have NEVER missed a single payment. Green Tree also took out insurance and charged us for it, even though our association has insurance for common areas. We provided the policy, but they continue to charge us for their policy and not refund the money they took from us. They have also raised the payment monthly and then add horrendous late fees even though they get and cash each of our checks. We have been harassed by them since they took over the loan and inappropriately handled our escrow. We can not get this rectified. They are unreasonable and refuse to actually answer the problem, even though they write lots of letters telling us what they did, but not how they cured the problem they created. We filed a complaint previously, but we have seen no relief. Our credit situation is deteriorating. Also, Green Tree refused to modify the loan to a reasonable % -- why should they if they can get nearly 7 % from us? That is their thinking. I am going to be XXXX and my wife is unemployed. This situation has been very difficult for us. We hope you can help. 
Thank you very much. 
XXXX XXXX XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts and inquiries are not mine they was made without my permission, consent, inquires. Credit Collections Services ( CCS ) Reported : XX/XX/2023 Opened : XX/XX/XXXXXXXX Credit Collections Services ( CCS XXXX Reported : XX/XX/ Opened : XX/XX/2023XXXX or All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.
Product: Credit card or prepaid card

Copy of email sent to State dpt There is more harassement to the story..Stranded in XXXX due to covid19 XXXX XXXX My card was blocked for trying to buy a XXXX XXXX ticket last XXXX They want a valid state driving licence front and back to unblock Im XXXX, dont drive anymore, old licence expired, besides I am stranded in XXXX due to Covid19 since XXXX.Need the card to buy air fare Do they have the right to refuse my State dpt issued US passport as an ID? 
XXXX XXXX XXXX XXXX
Product: Checking or savings account

Two problems.

1. A dispute was filed and the bank reversed the credit and closed the dispute without notice, explanation, or documentation. Bank refuses to provide additional information.

2. Key master debit card is rejected online. The merchant stated that the Avs ( address verification ) info is not available and therefore the card is not supported. 
Upon XXXX  the card not supported, multiple websites reference the card issuer as problem not merchant. Key continues to deny any problems or restrictions. Which continue to deny me using my card anywhere that I need to.
Product: Checking or savings account

I have contacted this organization several times daily. I have asked for management call backs. Received XXXX call when I specified hours that I was available and supervisor call when I was not available and voicemail left saying they would call back and never received a call back it too 8 Days for a voicemail. Documents sent to me said XXXX business days andi can email documents to email I was told they no longer accept email but documents say XXXX business from receiving email. Documents sent to me are fraudulent. Conversation with CSR recording misleading. Please see below confirming numbers XXXX XXXX * Agent failed to take notes on recorded call by the name of XXXX... no one knows who he is. 
XXXX XXXX XXXX XXXX Supervisor failed to give callback for 5 days. 
Supervisor failed to pull calls and investigate issues. 
Optum fails all call center policy, SEC AND FEDERAL GUIDELINES. 
THIS institute is stealing my funds refuse to close my account. For 2 months because I complained. Against form document.
Product: Credit reporting or other personal consumer reports

provided a third party ( person ) with my personal and private information. According to 15 U.S. Code 6801, your establishment is to protect my privacy and not share any of my information with any third party ( person ). I was not provided with the necessary documentation you needed to provide to me to sign to grant your establishment to share my information with any third party ( person ). Those documents require three signatures from me, to grant your establishment to share my private and personal information with any third party ( person )..
Product: Debt collection

I am disputing an account balance of {$200.00} with XXXX  XXXX XXXX. 

In XXXX I walked into a XXXX  XXXX XXXX branch and requested all my accounts with XXXX  XXXX XXXX be closed and I was assured by a XXXX XXXX XXXX Account Specialist they were closed, but in XX/XX/XXXX I learned the account has a balanced owed of {$200.00}. 

I disputed the account with both XXXX  XXXX XXXX and ChexSystems because I know I am not responsible for the balance owed since I entered a XXXX  XXXX XXXX branch in XXXX and was assured the account was closed. Also, Ive never been contacted by XXXX  XXXX XXXX or ChexSystems about the account until I called both companies for additional information in XXXX. 

I asked XXXX  XXXX XXXX for information on how the charges originated, but they could not provide me with anything. Several representatives said they didn't know. 

I closed all my accounts with XXXX  XXXX XXXX in XXXX with the help of an Account Specialist therefore I am disputing the {$200.00}.