23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We refinanced our existing Navy Federal VA mortgage with Navy Federal. We started with asking questions as we were not sure if refinancing made sense. We stated that it was important to us to keep fees low and lower our monthly payment. We were given an estimate of {$12000.00} but were also told that was a high estimate and once the figures were revised, closing fees were like to be lower. Closing costs ended up at {$13000.00} by the time we closed. 
We discussed our escrow account with our mortgage processor, XXXX XXXX, where XXXX told us that we would have to start a new escrow account despite having one with our current mortgage. XXXX told us that our current escrow account would be disbursed to us. XXXX never discussed using the escrow account to pay off our current mortgage. Yet when I called Navy Federal over a month after our closing to determine the status of our escrow account, I was told that the account had been used to pay off our old mortgage. Closing documents show the {$5600.00} going to pay off the old mortgage so I do not question where the funds went, but I am outraged at the lack of communication as we were planning on using the {$5600.00} for cash needs. 
We were further outraged to receive a letter from Navy Federal a day later stating a recent review of our escrow account showed a need to increase the balance by {$910.00} or {$75.00} more with each monthly payment. This letter arrived a little over a month after our closing, before our first payment was even due! 
I called Navy Federal to lodge a complaint. I was told to go online to submit my complaint, which I did on XX/XX/XXXX. I received a generic acknowledgment on XX/XX/XXXX stating someone would contact me. I have yet to hear anything from Navy Federal. 
Having worked in financial services my entire career and knowing what disclosures and protocols must be followed, I find Navy Federals actions unacceptable and deceptive.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I applied for a business loan at XXXX XXXX the bank pull up my credit report and declined the loan because I had 3 negative items, that were reporting charged off collections, I was so frustrated because I paid all this accounts on XXXX. My wife registered me at XXXXXXXX XXXX a company that repairs credits in order to accelerate the process because I have paid in full letters from the 3 creditors Capital One, XXXX XXXX and XXXX XXXX XXXX, it has been six months already sending back and force documents to the credit bureaus disputing the accounts, calling the creditors and the only Credit Bureau that deleted this 3 accounts was XXXX on XX/XX/XXXX. XXXX and XXXX  are still reporting inaccurate information, it make no sense that the same 3 accounts were deleted and removed on XXXX report and the same 3 accounts appears still on XXXX and XXXX  having them the same paid in full letters that we send to transunion. Please I don't know what else to do. My wife has been paying since XXXX {$120.00} to XXXX XXXX, {$24.00} to each credit bureau to check the status on the disputes has been 6 months already 180 days, we are struggling with this issue, I do not understand how the 3 credit bureaus has listed the same XXXX accounts information with different status. Please help us resolve this problem that as XXXX XXXX we follow the law by paying this accounts in full and as of today it is hurting my credit report with inaccurate information,.
Product: Money transfer, virtual currency, or money service

Not sure of dates but this was on going until my account was abruptly permanently deleted, without explaination
Product: Credit card

I was notified on XX/XX/year> via email from Current that my new card had been mailed. I also got an email from XXXX alerting me a new card had been added. I emailed Current ( as there was no phone number ) about the situation stating this was fraud and I did not apply. It took a few days to get the account closed and confirmation via email. I contacted XXXX and XXXX to place a fraud alert. The Current Account did not appear on XXXX.
Product: Mortgage

Over the last 10 yrs I have faithfully paid appr XXXX in interest on a heloc. In XXXX I received a letter that the full amount was due in XXXX. In XXXX I called to ask about this and was told that the loan would be reassessed. I was not informed that the whole loan would be called. I did find in the original loan agreement that it would be called. I wish that in XXXX they would have disclosed that and not promised reassessment. I was informed in XXXX that I could not apply for hardship until XXXX when the loan came due. In XXXX I applied for hardship. I had XXXX interest only payment due in XXXX. I asked about paying it and was told it would just be sent back because it was not the XXXX that was owed. They told me not to pay it, that it would not be applied and that it would be returned. I keep getting a bill for it. I again asked the employee assigned to my case, XXXX, why I keep getting a bill of XXXX. She also told me not to pay it. I have been recently following my credit report. They have reported me as delinquent and they claim it is on the XXXX. I do not understand this. If I have applied for a hardship program, have been accepted into the hardship program, have made my trial period payments then why am I being reported as delinquent for 30, 60, 90 and soon 120 days? On this XXXX bill it asks for the XXXX and has a late fee of XXXX. When looking at the details it does not show my XXXX payment as going towards the XXXX. In the loan modification trial paperwork it states that if any late payments the XXXX would go towards those late payments. This first payment does not appear to have gone towards it. I feel that I was told not to pay the XXXX in order for them to put me in a position where I had no other choice but to accept their load modification. With reporting to the credit bureau that I am late they are closing all doors to refinance and get away from them. It feels like entrapment. I discovered today when researching my legal rights that when I was informed a few years back that my heloc was cut off because my house was no longer valued at the original value was illegally done. They cut off my line of credit, still reported to the bureau it was active at XXXX even though I only owed XXXX and they did not prove my house had decreased in value. My house was appraised at {$180.00} when I took out the heloc and again appraised at {$180.00} when appraised for this trial period. They cut me off with no justification or evidence. I am being dealt with unethically and unfairly. I want the late payments removed from all three credit reports. They are receiving their payments and have been receiving them faithfully for over 10 yrs. To advise me that a payment would be sent back twice and then report me as delinquent to the bureaus is against my fair credit reporting act. I demand this rectified immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Unit XXXX XXXX XXXX, TX XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit card or prepaid card

A cash advance for {$6900.00} was removed from my credit card and transferred to a checking account I have no association with without my consent. I discovered this transaction on XX/XX/XXXX, within 24 hours of the transaction. I immediately called Wells Fargo to report fraudulent activity on my credit card. After speaking with various employees, I was told that an authorized user on the account made the transaction and that they were unable to stop the pending transaction. 

I am the primary account holder on this credit card. I separated all of my finances from my ex husband three years ago when we divorced. I was assured multiple times by Wells Fargo at that time that my ex husband had been removed from all of my accounts and had absolutely no access to me or my money. 

When we divorced, our debt was equally divided on mutual understanding that we would each pay our respective debts. My ex husband has failed to pay all debts since that time which has left me no option other than to pay them as my name is associated with these debts and my credit is negatively affected by non payment. I have paid over {$15000.00} of debt that my ex husband was court ordered to pay since our divorce. Additionally, I single handedly paid off this credit card ( {$8500.00} ) in the past few months. Within a month of this being paid off, my ex husband took a cash advance from this line of credit, maxing it out. 

After multiple phone calls to Wells Fargo I was able to speak with several managers who reassured me I was entitled to this money and it would be returned to me. I spoke with a supervisor who ensured me that the funds had been recovered and returned to my account, including the {$400.00} fee for the transaction, and the interest ( 25 % ) on the cash advance. The account was closed, I had a remaining balance of {$1000.00} ( the balance on the card prior to the cash advance from purchases I made that month ) with the next payment due in XX/XX/XXXX 

About 5 days after I received this information I received a call from the executive office of the credit card division stating Wells Fargo has reversed the refund, charged me the fee for the cash advance, and back dated the interest charges to XX/XX/XXXX when the transaction originated. Wells Fargo claims they have no proof that I was told years ago that my ex husband was removed from my account and that it is impossible to remove an authorized user from a credit card ; that the account would have needed to be closed at that time. This information was never communicated to me at that time and I was assured by Wells Fargo bankers that my money and accounts were safe and free from access from my ex husband.
Product: Credit reporting, credit repair services, or other personal consumer reports

I completed my loan agreement with Santander Consumer USA back in XX/XX/XXXX with a “XXXX” balance on the account as well as title in hand for my XX/XX/XXXX XXXX XXXX. In return Santander reported my account stating that the Payment was made after charge off which was not true at all. I have made several attempts with no avail to get the derogatory mark off my report but I either get hang up on by a agent after explaining the problem or told no changes can be made and will stay on report for seven years. I really feel like I’m being punished for something that shouldn’t be because the account was paid to term with a balance of XXXX.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX 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 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  XX/XX/XXXX 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.
Product: Credit reporting or other personal consumer reports

Equifax, XXXX, and XXXX are all third parties. I was not told that my nonpublic personal information would be given to a third party, nor was I given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party, nor was I given an explanation of how I, the consumer, can exercise the nondisclosure option Per 15 USC 6802. While looking at my credit reports I found that 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 all have my transaction history listed. Per 15 USC 1681a a consumer report DOES NOT include any report containing information such as transactions or experiences between the consumer and the person making the report. Also the accounts from 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  account ending in XXXX have all been charged off. Per topic no. 431, canceled debt on the irs.gov website if your debt is canceled, forgiven, or discharged the amount of the canceled debt is taxable and you must report any taxable amount of a canceled debt as ordinary income. Which means that charge offs are counted as income and income SHOULD NOT be reported on a credit report. Per the privacy act of 1974 No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains.
Product: Mortgage

I have called US BANK over 24 times to try and get my Balloon note modified. I have never missed a payment on this house and bought it before I was married on a balloon Note that was modified 5 years ago onto another Balloon Note by US BANK although at that time Ballon notes were illegal both under federal and State law. 

I was told at that time not worry about it and that it could be modified 5 years later if necessary. US Bank is the owner of the loan so they didn't need anyone 's permission. This RESET my amortization so over the past 5 years hardly any of my payments have gone to principal. So after 10 years of being on Ballon notes I owe as much on the house as I when I bought it. The house is Severely underwater ( was bought during the great recession ) and thus we can't refinance. We had saved up enough money to pay down our balance and refinance, but our house was ravaged by 2 hurricanes in 2 years and we lost one of our businesses. We had to take out a FEMA loan to survive and now have steady income again. We were forced out of homes 2x in 12 in forced evacuations. I provided evidence of this all to the USBANK. They just don't care. It is heartbreaking. If we don't get this modified by the end of this month the mortgage will be called due and we have no money to pay it. Every time we contact USBANK we have received different answers as to w
hat is going on. We were even told that we applied for financial help only to find out by a supervisor that it was misleading and they were just looking at our financial situation. PLEASE HELP US. Our lives have been destroyed by the hurricanes and not something we were ever dreaming would hit us just months after we moved into our home. We lost my aunt as the result of one of the storms so we are lucky our lives were never in jeopardy. I am pleading for help.

USBANK is refusing to accept our documents as submitted and continue to harass us for things that are clearly not needed, but are used to say we never got them everything to make a decision. Despite repeated requests to have them call us or Email us they simply send letters that often contractict what is told to us on the phone. I Have been told to ignore them on several occasions. I have never received a call back from single point of contact despite over 10 VM 's left. The latest injustice is they are requesting a new lease agreement despite having an addendum on the existing one extending it when the original lease expired. They are saying my  addendum ( written by an attorney ) is not good enough. They now say that document since it doesn't have an END date is not valid. I was told an assistant not an underwriter made this determination and even speaking to a supervisor was told she didn't agree with the decision. So now USBANK representatives are acting as real estate lawyers and not even the underwriters. I should have NEVER been put on another balloon note when the last one expired and can't believe despite showing an unexpected hardship due to one in a  generation storm.
Product: Checking or savings account

I received a Bank of America prepaid card for use during my period of partial unemployment ( beginning of the pandemic, XXXX XXXX and then temporary Disability/family leave payments XX/XX/XXXX, from the State of New Jersey. Sometime in XXXX or XXXX of XXXX, my card number was stolen ( not the card ) and was used many times to drain my account of over {$600.00}. Because of the limited access to the account- not able to be helped at branches, no printed statements made available, and an inability to log into the online account, I had no idea this was happening until XX/XX/XXXX, when I was FINALLY able to get help from them in order to log into the account and look at the statements. I filed a fraud complaint, they issued me a new card that took 7-14 days to receive, and looked into the fraud, eventually getting the money back into my account. When I received the new card, it worked ONCE. I had to call the bank, they said there was a fraud alert ( for A DIFFERENT CARD NUMBER ) and the funds were frozen. They said they reset the card, and to go to an ATM. I would, the card wouldn't work, I'd call them back, they'd reissue a new card and I'd get it in 7-14 days. This process repeated EVERY time they sent me a card, until eventually, not even the new card worked. This continued into this year, when I got a new card yet again, and it did not work. Eventually I was able to transfer the funds from the account to my XXXX XXXX account and get out of this cycle of nonsense. I can not tell you how much time I spent on the phone with that bank and they did nothing. I was frustrated to the point of tears many times because we desperately needed that money for bills, food, etc. during the height of the pandemic. I went through 6-7 cards with them, and thought this craziness only happened to me. Until my mom sent me an article that said it happened to thousands of other people and that you guys went after them. So, THANK YOU for doing that. And I'm glad I wasn't alone in the anguish they put me through.
Product: Debt collection

I had one first mortgage on my house I had one second mortgage on my house Both are paid. 

I had one loan on my duplex All debt was paid before the property was taken in foreclosure Wells Fargo took the property and kept the escrow that paid off the mortgage The foreclosure balance was added back into the loan modification on my house and now been paid back ... again
Product: Debt collection

To Whom It May Concern : This letter is in response to your recent claim regarding Account ending in XXXX for a credit card, which you claim I owe XXXX. 
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non- compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. 
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact
Product: Student loan

I requested the original promissory note have not recieved anything from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information regarding a ticket that does not exist on my Motor Vehicle Record. The report provided stated that I received a speeding ticket on XX/XX/XXXX and that is not accurate. I have MVR to show accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute some accounts in my credit report. I am a victim of identity theft, and I did not make these transactions I am requesting that the charges be removed. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.