23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a VA loan certificate of eligibility. I own a single family dwelling located in XXXX XXXX XXXX CA. 

I currently hold a 40 year fix conventional mortgage at 4.125 %. 

I began three weeks ago contacting major VA venders such as Wells Fargo the current holder of the 40 year fix, XXXX XXXX, and XXXX, to refinance the 40 year fix into a VA 15 year fix or 30 year fix Wells Fargo, called me and stated they where not refinancing veterans conventional loans to a VA guarantee loans. Wells Fargo stated they were only refinancing VA guarantee loan " XXXX '' or veterans who are purchasing for the first time. 

I had a mortgage company pull my credit rating this week, and received respectively a XXXX, XXXX, XXXX, credit score. My address is XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. My loan balance is {$470.00}, XXXX, and the value of my home is estimate to be over XXXX XXXX. 

I contacted the Department of Veterans Affairs Loan department in XXXX and spoke with a VA Loan officer. The Loan officer stated Wells Fargo was in violation of VA policies and that their action could violate their VA venders status. 

She suggested I contact Wells Fargo and conduct a three way  conversation with the VA to resolve the issue. I contacted Wells Fargo and they refuse to conduct the telephone conference and go on the record. I was instructed to send this e-mail explaining my experience and as of this e-mail I can not find a VA vender to refi my loan following VA policies. I am also filling a complaint against two other banking institutions for the same reasoning. The other two banking institutions are XXXX and XXXX
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher peoples information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items arent removed immediately.
Product: Credit reporting or other personal consumer reports

Dear EQUIFAX, XXXX, AND XXXX I am writing to formally dispute inaccurate information listed on my credit report, specifically regarding the following account : - **Account Name** :XX/XX/XXXX - **Account Number** : XXXX Under **15 U.S. Code 1681**, also known as the Fair Credit Reporting Act ( FCRA ), you are mandated to ensure the accuracy, completeness, and verifiability of the information reported on consumer credit reports. In accordance with this law, I request that you conduct a thorough investigation into the account listed above.

As per the FCRA, if the information can not be verified as accurate within a timely manner, you are required to remove it from my credit report. Therefore, I am requesting that you take action to remove this inaccurate entry **within 4 days** of receiving this letter.

To assist you in your investigation, I have enclosed the following documents to verify my identity and address : 1. A copy of my Social Security card 2. A copy of my government-issued ID 3. Proof of address ( utility bill ) 4. A copy of my credit report with the accounts in question highlighted I expect to receive a written response from you regarding the results of your investigation within **30 days**, as stipulated by the FCRA. Should you find that the information is indeed inaccurate, please ensure its prompt removal from my report.

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

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

A XXXX company named " Select Portfolio Servicing '' accessed my credit report " WITHOUT '' my permission on XX/XX/2020. This is a FCRA violation.
Product: Mortgage

My mortgage is through HarborOne Mortgage , LLC. The loan closed on XX/XX/2018.

On XX/XX/18 HarborOne via XXXX  ( their payment company ) paid a tax bill in the amount of {$80.00} from my escrow account that was for a tax bill for another individual on check XXXX  made payable to the town of XXXX, ME.

On XX/XX/18 the town of XXXX  informed XXXX via email that the check had been submitted in error and requested instructions on returning the check. The check was returned by the town on XX/XX/18 to XXXX via USPS mail.

I have been dealing with HarborOne since XX/XX/18 to get the {$80.00} returned to my escrow account. I felt that the time from XX/XX/18 to XX/XX/18 was sufficient time to wait for a refund. As of XX/XX/19 I still have not been credited. See attached information for a call log concerning this issue.
Product: Credit reporting or other personal consumer reports

I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> a derogatory account of {$340.00} showed up on my account for Jefferson Capital systems. I never heard of them. I looked out the supposed debt, and it says its XXXX for {$340.00}. But ive never used XXXX. I have screenshots of my account and that theres no purchases at all. They got it wrong and have put this on my account. I demand removal of the derogatory account from my credit report.
Product: Mortgage

I was working on a refinance since XXXX with Wells Fargo. After several documents sent that were requested from the lender my loan was denied due to insufficient income verification six months later. 3 years tax returns and several XXXX XXXX XXXX statements were sent with 6 months of bank statements and they still couldn't figure out the income due to me being self employed. I applied with another lender quicken 3 weeks ago and we have already closed. It seems there are several issues Wells Fargo Mortgage.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I mistakenly used the wrong checkbook linked to a XXXX ( XXXX XXXX  ) account, causing my mortgage payment to fail. While traveling abroad, I missed bank notifications. Upon returning, I promptly made the payment, but it was processed on day XXXX after the due date. 

I later learned from a Bank of America Mortgage Representative on XX/XX/year>, that my automatic payment schedule was set for the first days of the month, 15 days after the due date. I disputed the late payment with all three credit bureaus ( XXXX, XXXX, and XXXX ), but it remains on my credit report. 

To resolve this, I visited a local Bank of America branch and spoke with a manager. I also called customer service at least four times, but my goodwill request was denied despite my XXXX banking history and previously clean payment record. 

I am requesting that Bank of America update my credit report to remove this late payment as a one-time goodwill adjustment, as this was an isolated and unintentional incident.
Product: Money transfer, virtual currency, or money service

Received a fraudulent/phishing/scam email from " Paypal '' stating that there was a payment request from a XXXX XXXX for {$590.00} it then provided a number to call if I did not recognize the seller. I called the number XXXX and a man with a foregin accent answered. I only provided him with my name and then I believed fraud had been committed on my account. He then immediately disappeared from the line and I heard some kind of chime tone or hold tone. I hung up and then checked the actual email address the email came from which was XXXX which would NOT be Paypals actual email I don't believe.
Product: Credit card or prepaid card

On XX/XX/19, I applied for the Capital One SavorOne credit card. Their website specifically stated that new cardholders would " earn a one-time {$150.00} cash bonus once you spend {$500.00} on purchases within the first 3 months from account opening ''. I have never had this product before with Capital One and this promised bonus was a major reason I applied for this card. I have had other product lines with Capital One. 

I met the spend threshold during my XXXX statement and did not receive the bonus on my following statement. I decided to wait to see if it would take time to post. However, as of this week, my bonus still wasn't received. I called into the customer service number on the back of my card and they said they didn't see a record of the sign up bonus. 

I then decided to reach out to Capital One 's Executive Office, advising that the frontline CSR was unable to assist. They advised that their spend offer was not open to applicants with existing Capital One accounts. However, that language was not used on their website, nor was that restriction clearly noted. 

While they claim that this restriction is listed in their disclosures, the information accessible on their page is purposefully misleading. They also had no such restrictions in the past regarding bonuses, so they did not have a precedent to deny a bonus to applicants with other Capital One products.
Product: Mortgage

PNC Bank unlawfully trying to take possession of XXXX XXXX through forced foreclosure and other unlawful means. Location : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am contacting the CFPB in desperation as I have been trying to obtain a loan modification since XX/XX/XXXX with no success. my loan is an interest only negative amortization adjustable rate mortgage. The home is worth {$280000.00} and with arrears owed from XXXX/XXXX/XXXX at {$220000.00}, I owe a total of {$640000.00}. I had been working with Aurora from XXXX until the loan was transferred to Nationstar in XX/XX/XXXX. I am denied over and over for different reasons. Most recently for insufficient income. Since XX/XX/XXXX, I was using my business bank account for deposits but I had my account frozen XXXX from a debtor I was disputing and was able to get the funds released both times but I have not deposited any money into this account as I getting the money released takes time which I can not go through again. I use XXXX and submitted the invoices with the check cashing receipts to match up and a quarterly profit and loss explaining this with the deposit details to help clarify. I have been trying so diligently for so long to get a modification and resume making payments and have gotten nowhere except now, there is a scheduled foreclosure sale on my home for XXXX/XXXX/XXXX.
Product: Credit reporting or other personal consumer reports

I have had the same credit score for XXXX months despite continuing to reduce my debt. It appears that my score has plateaued below XXXX, which is preventing me from obtaining low-interest credit cards and loans. I contacted the reporting agencies and have not received any response to my inquiries. It seems to me I am being kept below the XXXX mark, so I will continue to have to accept these high-interest products.
Product: Mortgage

This is the second time I've had to file a complaint regarding my experience with Virginia Housing during a forbearance plan. 
Background : I was laid off from my full-time job in XX/XX/2020. The layoff was prior to the COVID-19 pandemic, however, my ability to find a new job was impacted by the COVID-19 pandemic and a job I was offered was then delayed due to the COVID-19 pandemic. All of this was communicated to Virginia Housing. However, in violation of the CARES Act, my missed payments were reported to credit bureaus and my credit score subsequently plunged. I tried several times to resolve the issue with Virginia Housing before filing a complaint through CFPB. Only then was the issue resolved. Calls and emails went unreturned several times during the forbearance process. 
Current issue : I informed Virginia Housing that I am employed as of XX/XX/XXXX and would be able to resume mortgage payments by XX/XX/XXXX. I was directed to submit an attestation form, which I did. I then received a call indicating that the end of my forbearance was approved and the amount owed would be added to my existing loan. I was told I would received a letter via email by XX/XX/XXXX and later via regular mail verifying as much. When I did not receive the promised XX/XX/XXXX email, I followed up. I was then told that there were " concerns '' with my file and that my forbearance appeared to be not due to the COVID-19 pandemic and therefore the loan would need to be modified and more time was needed for that process. I once again, as I had before, explained that my forbearance was indeed due to the COVID-19 pandemic. However, Virginia Housing is still refusing to make good on the original approval and send the documentation effectively ending my forbearance. Instead, they are asking for my " patience. '' I am still behind on other financial obligations and desperately need resolution so that I can refinance my loan and consolidate the debt accrued to support my daughter and myself for the past 18 months. Please help. Thank you.
Product: Credit reporting or other personal consumer reports

All three major credit bureaus are restricting accounts because invalid verification and post office forwarding mail to foreign address don't get confirmation pin in time Post office keeps giving me issues but can't verify by phone either Somebody using social and last XXXX of social hospital encrypted misspelling of names under social identity being used fraudulently at hospital Afraid social security cards made under false name medical records used in court Attempted freezing account not allowed
Product: Credit reporting, credit repair services, or other personal consumer reports

This is exactly why I have had to dispute so many times since the conception of this account from XXXX! Even today after all of these disputes, they are posting payments on a charged off account for the past three months! All of the disputes that I have flled not one person at XXXX, Experian, or XXXX has ever looked at any of these disputes and here I am now again wasting my time because these XXXX idiots at XXXX lie, cheat, post XXXX info on my credit file and to this day have never shown us one signature of validation! You XXXX XXXX better get your XXXX off of my Credit report immediately I am warning you for the last time, all three credit bureaus need to me charged For lying to the CFPB because none of you have addressed these bogus payments on my credit report! XXXX you better get your XXXX Off my credit file asap or youre gon na hear from me Im tired of you manipulating my credit file And XXXX my scores up you XXXX of a XXXX this is it, Im Tired of doing yalls job and you all better get this XXXX off my credit report or Im gon na sue your XXXX in court I already have enough already get off your XXXX and do your job!
Product: Debt collection

My name is XXXX XXXX, i am the consumer as well as the only one with personal knowledge in connection with the transaction. This company named XXXX, XXXX and XXXX XXXX has been repeatedly contacting me acting as debt collectors and its unclear whether they even have a license to collect alleged debts. please provide your agency debt collection license number. and please show cause of your authority to contact me about these matters concerning this debt. 

This is yet another notice of dispute. i am not making any settlements until this alleged debt can be verified. until this alleged debt is verified, i refuse to pay this alleged debt. as a consumer i am entitled to receive the name and address of the original creditor, verification or a copy of a judgement for this alleged debt from the creditor. if your agency is unable to produce such documents, it is advised that your agency cease all communications immediately. 

it is advised that all verifications need to be in the form of oath or affirmation and placed under the penalty of perjury. 

RE File Number : XXXX
Product: Vehicle loan or lease

My vehicle was involved in a collision on XX/XX/2018. My car was taken to the dealership for repair and my insurance issued a check payable to myself and Capital One to be endorsed and sent to the dealership, XXXX XXXX XXXX, to pay for the repairs. I endorsed the check and forwarded it Capital One per their instructions. Capital One instead credited my account for the total amount of the check which was significantly less than the payoff balance. This check should have been immediately recognized as a check for repairs and not payment as it was sent by the insurance company and I had previously notified Capital One of the accident and insurance claim. 

After many weeks and phone calls, Capital One finally acknowledged their mistake and removed the credit for these funds from my loan account and agreed to forward a check in that amount to the dealership that had performed the repairs on my car. After many weeks of waiting and multiple phone calls, I was told many different things such as the repair check WAS being overnighted out, the repair check HAD been overnighted out and then finally that I had been misinformated and that they do not *ever* overnight checks but that a check had been mailed via U.S. Mail on XX/XX/2018. I advised them that I intended to seek legal counsel if this was not resolved quickly at which point they told me that they would no longer speak to me and would only speak to an attorney calling on my behalf. I then sought an attorney who called Capital One on my behalf. He was told the same story by Capital One that a check had been mailed directly to the dealership and to check with the dealership. 
To date, no check issued by Capital One on my account has ever been received by me nor the repair dealership of XXXX XXXX XXXX. Several weeks ago the dealership called Capital One directly and was told that the check Capital One insists they mailed has not been cashed and that they could stop payment on the check and send a new one. The XXXX XXXX XXXX employee confirmed the address it was sent to as correct and asked that a replacement check be overnighted to the same address. Capital One denied their request for an overnighted check but said a new check was going out. Today is XX/XX/2018 and I am still unable to claim my car from the dealership as they have still not received the forwarded funds my insurance company paid to have my car repaired from Capital One. I have been making payments on my loan all of this time but have been without the use of my vehicle since XX/XX/2018. 
We have recently experienced a major national disaster as I live in an area devastated by Hurricane Florence and public transportation has not available in my area and taxi or ride sharing services are limited. This is making my ability to get to work nearly impossible and may cause me to lose my employment impairing my ability to make future payments on this loan.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX PayPal has disclosed to my social security number through an email they sent which is very very disturbing. And I think PayPal needs to be investigated and I think the department of Labor needs to be contacted I just wanted to update I have created a support group online and I have tons and tons of people saying the same thing has happened that has happened to my account with PayPal as soon as I received my pua deposit for all my back pay which is {$6000.00} they have just all of a sudden and i did nothing wrong absolutely nothing wrong, they just come up with all these different excuses which they won't exactly tell me because I didn't do anything wrong just like they're telling all these other people they're just saying they can not do business with us anymore we can not use paypal and they're holding our money for 180 days I have so many cases that it's unbelievable and investigation needs to be done on PayPal
Product: Credit card or prepaid card

On XX/XX/2023, an inquiry appeared on my credit report from XXXX XXXX I called them on XX/XX/2023, spoke with customer service and the person told me that it doesn't appear on any account under my name or SS #, and they don't know how that inquiry it appears in XXXX bureau XXXX 

On that same day I put an alert of Identity Theft on that credit bureau, ( XXXX ), and XXXX too. 

Today I'm looking at my credit report and find out that somebody opened a credit card from FEB-RETAIL account # XXXX, with credit limit of {$6000.00}, and balance of {$1000.00} as a today XX/XX/2023. 

Also, appears an address under my credit report at XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXXXXXX - XXXX NEVER IN MY LIFE LIVED AT THAT ADDRESS or even in that City or State. 

This is Identity Theft! 
Need to close that account immediately. 

Thank you, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I went on the website call XXXX to buy a XXXX XXXX. I noticed the website looked strange and I forgot to back out of the site. I had put my info in and I guess it went thru. I sent the company a email I never had back. I called my back I thought my card was lost since I never had purchased anything. I call the CC company about the card. They said I made the purchase I wanted the information they got from the company that had no info Telephone number or a tracking number they had none of the information. The company was fake site and my money was gone and the CC didnt do anything.