23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hello, I'm a mortgage professional with 15 years of lending experience. I currently have a first mortgage with XXXX  XXXX XXXX and second mortgage with Wells Fargo. I'm in the process of refinancing the first lien with XXXX XXXX, however, I'm having a difficult time getting Wells Fargo to subordinate the second mortgage. XXXX XXXX received a response from Wells Fargo that stated that I'm in a special forbearance and as a result, Wells couldn't approve the subordination. Subsequently, after being informed, I reached out to Wells on XX/XX/XXXX at around XXXX to ascertain the reason and get clarification since I was not in a special forbearance as confirmed by Wells Fargo reps per my conversation with then on the XXXX. I was on the phone from XXXX until XXXX. I spoke to several representatives and at about XXXX, one of the supervisors hung up on me after waiting two and half hours and being told that I needed to pay the XXXX payment before a request can be processed to address my issue. I called back for an explanation and was placed on hold by a supervisor who indicated that a response had been sent on XX/XX/XXXX which was not accurate. Unfortunately, no one could explained to me as to why Wells Fargo who has the second mortgage and in a second lien position would not subordinated so I can refinance the first mortgage. My first mortgage with XXXX  XXXX XXXX is at 6 % and the second mortgage with Wells Fargo at 8 %. The goal is to refinance both. It would be inappropriate to not note that a lady by the name of XXXX XXXX was extremely helpful and understood the request but was unable to see the response sent from the department that addressed the inquiry. She was the only bright spot out of all of the people whom I conversed with on the phone at Wells Fargo. She informed me that she was going to look into it and get a response by Tuesday of next week on XX/XX/XXXX. As a mortgage professional, I asked the reps to disclose everything when I applied for the forbearance afforded per the CARE 's Act because my intent was to refinance and I didn't want anything to hinder or serve as a bulwark to getting the loans refinanced. I need CFPB to inquire as to why this occurred and whether Wells can arbitrarily decide not to subordinate a second lien after I had completed and met the requirement to be remove from the special forbearance.
Product: Vehicle loan or lease

I have had this account since XX/XX/XXXX. The only time I have ever asked them for anything was when we were in a disaster zone due to hurricanes. Even then I took the bare minimum so I could get back to paying on my accounts as soon as possible. On XX/XX/XXXX my husband was having severe XXXX  pains. I took him to XXXX XXXX who refused to see him & referred him to the XXXX. I took him to XXXX XXXX XXXX XXXX. They did a XXXX XXXX  & determined he must be transferred for XXXX XXXX. He was transferred to XXXX XXXX XXXX where he remained. The surgeon is still trying to avoid the XXXX since its dangerous therefore he must have a XXXX XXXX  every few days & XXXX XXXX. I contacted Hyundai motors & asked to defer my payment. They said I could not because I already deferred a payment for the hurricanes. I did not even sign that form! It was an automatic deferral due to a federal disaster area or so they promised at the time. Now they claim that was my deferral & they cant help me. The only time I have ever missed a payment is due to the hurricanes. I have zero late or missed payments on any of my accounts therefore them refusing to work with me in a XXXX XXXX XXXX XXXX  is uncalled for. My account was perfect until this. All I asked for is to be able to defer the payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & get back to work. I asked for a supervisor who was also zero help. I can also mention theyve charged me for repairs due to their failures as well theres a recall on brakes yet they charged me hundreds to fix them I didnt file a complaint then although I should have.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, CA XXXX DOB : XX/XX/XXXX SS # : XXXX Capital One Bank USA XXXX XXXX  XXXX XXXX XXXX, VA XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
This account was deleted from my XXXX  credit report and must be deleted from my XXXX   and XXXX  Credit Reports immediately. I have attached my XXXX  credit report proving the deletion. 
My name is XXXX XXXX XXXX and I currently live at XXXX XXXX  XXXX XXXX XXXX, CA XXXX. There should be no Capital One Account attributed to my name and address. I have attached my Drivers License as proof of address. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : Account Name CAPITAL ONE BANK USA N Account # XXXX I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. 
Thanks for your help in this matter, XXXXXXXX XXXX XXXXXXXX Attached : XXXX  Credit Report 3 Pages Former Letter Dated XX/XX/XXXX with Certified Mail receipt Dated XX/XX/XXXX Drivers License Copy
Product: Credit reporting

I did not get a mortgage loan from XXXX conventional real estate it says the account open XX/XX/XXXX it was a joint account loan for was for {$28000.00} and the last payment was made XX/XX/XXXX. This mortgage company is from the south and I 've never lived in that area or applied for a mortgage loan. Thank you for your time
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts ( 1 ). ( A ). 

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

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$2600.00} ; XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance {$7400.00} ; XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance {$25000.00}.
Product: Money transfer, virtual currency, or money service

Had the worst experience with Jpmorgan. 
I had my account breached multiple times after they promised security in my accounts and they promised {$25000.00} per day max deposit into my account and failed to do so. 

I have lost all hope until consumer finance.please help please.
Product: Mortgage

OCWEN LOAN SERVICING , LLC . I have fallen behind on my mortgage due to being laid off. Since XX/XX/2016 I have been trying to get a modification. I am given the run around, they request the same info, letters, paperwork over and over. Always say my application is incomplete. They are now sueing me and taking me to court to Foreclose on my home without offering me any kind of payment plan or any kind of modification options. I have already written my Attorney General 's Office and I am awaiting their response. This company has been repetedly sued, they have an F rating with the XXXX with a negative score of XXXX %. They have taken so many people 's homes using unfair and fraudulent practices. Someone please stop them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX XXXX phone all XXXX credit reporting company 's login and passwords all taken off screen. Login will not work i have all XXXX with a security freeze. Sense a year ago there should be no activity on these accounts.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I send a letter to TransUnion Fraud Department indicating a couple of inquiries that had been made against my credit report from TransUnion. These inquries were not neither authorized nor made by me. 

Along with the letter, I send a copy of the TransUnion credit report highliting the inquiries in disdupte. I also sent a copy of my Social Security Card and a copy of my Driver 's License for identity verification, as well as a copy of a utility bill. 

Additionally, I also sent a copy of Identity theft affidavid. 

I also requested a copy of an updated credit report once the wrong information is removed. 

These documents were received by TransUnion on XX/XX/XXXX at XXXX XXXX. as per Certified Mail XXXX # : XXXX. However, as of today, the information has not yet been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not a 14th Amendment Citizen and a Secured Party Creditor, I have all proper documents in public record. My FEE per Trespass is {$300000.00}. My LEGAL FICTION ALL CAPS NAME is now copyrighted and I placed a $ XXXX Lein against that PERSON... Any company, man or woman wants to use it, borrow it, or administrate it ... compensation is required. I gave XXXX many opportunities to Remove my information out of their database and remove their information off my credit report and if they did not... Tort Claims will be filed. They ignore me and have made no effort to contact I. Now Compensation is required for Administrating Property Without Right, Consent or Contract ( Trespass ) and they're ordered to remove their information off my credit report. 15 USC 1666 ( d ) HJR-192 of 1933 ALL DEBTS ARE PAID. There is no money in circulation by fact. Upstart is in violation of multiple title 15 codes + causing harm towards a man which is a CRIME by LAW.
Product: Debt collection

on XX/XX/XXXX ( XXXX Bank statement date ) I contacted Bpnniville Collections to set up a payment plan for a deliquent debt ( XXXX ) for the debt amount stated on my credit report {$780.00} i paid {$170.00} over the phone on XXXX then each week after on thursdays for 5 weeks i would pay {$120.00} is what Bonniville Collections agreed would be ok to do to pay my amount owed from the deliquent debt on my credit report. 
Payment Made to Bonniville Collections : XXXX {$170.00} XXXX {$120.00} XXXX {$12.00} XXXX {$110.00} -- -- -- -- -- -- -- -- -- -- -- - total paid {$420.00} XXXX DEBT {$780.00} _________________ {$330.00} AMOUNT OWED AFTER THE XXXX PAYMENTS i MADE. 

On XX/XX/XXXX i paid my payment over phone as payment plan agreed on .I asked what is my updated balance owed after making 3 payments to them for my debt from original creditor XXXX the new balance Bonnivillde Collections is now over a {$100000.00}. I asked why is it more then before i started payments they stated that a debt in their records shows i owe {$860.00} for a delinquent account from XXXX XXXX XXXX from XX/XX/XXXX. I asked why was I not told this when i called to set up payments they did not respond so I then asked them to email me the info on the debt from XXXX XXXX XXXX thsat was date back XX/XX/XXXX. They said they emailed me that info. I did not receive an email about that debt from northwest natural gas. They did state that the delinquent debt was past the statues of limitations when i told them that I am going to file a complaint about this issue. I feel that I should of been notified about this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity theft and I notice 2 accounts on my credit report. XXXX # XXXX and XXXX XXXX # XXXX. 

I have provided Equifax, XXXX and XXXX  the copy of the police report and have provided a victim 's complaint & affidavit to XXXX and XXXX XXXX and everything else that they have requested. XXXX deleted the 2 accounts, but Equifax and XXXX   has refused to delete these 2 accounts from my report. They keep saying that they have verified that this account is mine but have not provided any documentation to show that these accounts are mine. 

Also I have also asked the original creditors - XXXX & XXXX XXXX to provide documentation / proof that this account belongs to me and they have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us XXXX but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Payday loan, title loan, personal loan, or advance loan

I asked about closing my account after it had been paid in full multiple times starting in 2023 and they assured me twice that it would close by some arbitrary date. It has never closed. It's sitting there lowering the average age of my credit accounts, it is useless.
Product: Mortgage

Good morning, I was approved with Homeowner Assistance Funds to receive help with my mortgage loan for 18 months. 
Last XXXX I started having issues receiving payment from HAF and as today I do have 3 months past due. I have been calling HAF and asking them to find out what the problem is, but I have not received any help. They tell me that they do have an investigation to know why my account is not receiving the payments every month.

I am scared of losing my house. This is my information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX XXXX XXXX AmeriHome Mortgate ( XXXX ) Thank You!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Credit Reporting Act. XXXX  Account # XXXX has violated my rights. 

In accordance with the Fair Credit Credit Reporting Act. XXXX  Account # XXXX has violated my rights 15 U.S.C 1681 section 602 A, States I have a right to privacy 15 U.S.C 1681 section 604 A, It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

JPMorganChaseMortgage paid my XXXX XXXXl Homeowner 's policy 6 plus weeks in advance ( on XX/XX/XXXX ) {$490.00} when it is due XX/XX/XXXX-XX/XX/XXXX period, created shortage in escrow account, I asked them to pay end XX/XX/XXXX, early XX/XX/XXXX.

New escrow analysis ( XX/XX/XXXX-XX/XX/XXXX ), showed due in XX/XX/XXXX, {$500.00} for anticipated H/insurance they paid XX/XX/XXXX..

{$490.00}. This XX/XX/XXXX paid out from escrow, deliberately LEFT out of activity current escrow period XX/XX/XXXX-XX/XX/XXXX.

JPMC, created escrow shortage and now increased my monthly payment for " escrow shortage.

Spoke with XXXX XXXX ( XXXX x XXXX  ) who was closing the escrow effective XX/XX/XXXX. Does not likely to happen.

JPMC has mismanaged my escrow account prior to this and I requested to cancel the escrow.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that are not mine and i want htem to be removed. 

XXXX 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

3. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

4. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX  Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

12. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX  1. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

2. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX  XXXX. 
Account XXXX : XXXX This is not mine. 

4. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit card

I was the victim of identity theft by a former roommate, XXXX XXXX XXXX. The account with AMERICAN EXPRESS XXXX XXXX XXXX XXXX XXXX  was opened fraudulently without my permission or knowledge. XXXX used my identity and had the initial card mailed to my home, which he retrieved without my knowledge, used the account, and made payment for a time without my consent or knowledge. I have completed ( attached ) an ID Theft Affidavit with the FTC. I have also included copies of my government-issued ID and a recent utility bill for address and identity authentication. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Someone opened another credit card with all my information under my capital one account a platinum card without my consent
Product: Debt collection

This company has been asked over and over to remove negative information about me on my personal records and reports I have ask the company representative reporting this information to fix this problem and make changes and I have give them the time that it should take so now I understand that it is more than that they are leaving people with incorrect information on their records they dont talk with you about anything they do they just do as they feel comfortable doing this is not government policy business why are they able to use your personal information again I ask them they tell me to discuss and dispute everything well what is the situation XXXX can and will do better.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. there is some inaccurate information reporting. 
XXXX XXXXXXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.