23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My fiance and I had no choice but to defer our mortgage payments due to XXXX. We are first time buyers and most of our nest egg went to our down payment and closing costs. 



We only ended up missing about XXXX months payments, and when it came time for us to resume our payments, we gladly accepted the loan modification agreement. We took time off work and got our documents notarized at the bank and mailed them back in the envelope provided by US Bank. The documents were never received and I was not notified, and then began receiving phone calls from debt XXXX asking me to pay my balance. I informed them I had signed a loan modification, and then disconnected the calls. 





I finally contacted US Bank to question when I would stop receiving debt collector calls and thats when I was told I would not be eligible for the loan modification due to failure to return documents. But I did return them it was not my fault they were never received. I was then sent a second set of documents, my fiance and I tried again at the bank getting them notarized and sent back. They were denied again due to my fiance not signing the proper name and the signatures not being legible. US Bank created multiple aliases for my fiance on their own accord, including his : First name, middle name, and last name XXXX initial, middle name, and last name XXXX name and last name Because he didnt sign all XXXX names, our documents were refused AGAIN. I only found this out from a phone call I placed to US Bank, they did not contact me. 



We were sent yet another set of documents and took yet another day off of work to get to the notary. My fiance signed all XXXX names to the best of his ability on the small line they provided for him to do so. We sent them back the same day, and yesterday, XX/XX/21, I called US Bank to check on the documents. They were refused again. Why? The first representative I spoke to said their underwriting department refused them because he did not fit them all onto XXXX line. I questioned this, saying it was absurd they expected him to sign XXXX names, including XXXX between each on XXXX small signature line, legibly. I asked to speak to the underwriting department, I was told this can not be done. I asked to speak to my relationship XXXX, the representative told me she would connect me and actually just transferred me back to the general customer service line. 

The next representative I spoke to told me my fiance did not sign all XXXX names in the proper order. This left me incredibly confused with no clear answer. I just want my paperwork to be accepted so I can resume paying my mortgage. I can not afford to keep taking time off work to get to the notary on time. I can not risk losing my home, and I can not get a clear answer from US Bank as to why they are making this so difficult. 

I find this practice to be predatory, as there is no clear guidance on how to properly complete these documents. I also find it unethical how I can not speak to a XXXX to explain or assist with my documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 



XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXXXXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$340.00} ; XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$460.00} ; XXXX XXXX XXXX  ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$270.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$340.00} ; XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

print iconPrint Your Report Potentially Negative show tooltip button XXXX XXXXUnder Dispute XXXX XXXXDispute XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXXUnder Dispute XXXX XXXX XXXXDispute XXXX XXXXUnder Dispute XXXX XXXX   XXXX  XXXXDispute U.S. DEPARTMENT OF EDUCATIONUnder Dispute U.S. DEPARTMENT OF EDUCATIONUnder Dispute XXXX XXXXUnder Dispute XXXXUnder Dispute
Product: Mortgage

My FHA Mortgage loan was originated in XX/XX/XXXX. At that time MIP  was added to the loan prior to the permanent changes to MIP  which went into effect XX/XX/XXXX, per HUD Mortgagee Letter XXXX. I have made numerous attempts to have Lakeview Loan Servicing , LLC remove the MIP since the LTV is below 78 %, the loan is over 5 years old and all payments have been made on time. They told me I need to refinance the mortgage and that is incorrect and needs to be removed immediately. 

According to HUD FHA guidelines MIP must be removed if you meet the following criteria if you Applied between XX/XX/XXXX and XX/XX/XXXX : 1 ) Youve maintained a good payment history without any 30-day late payments for the past 12 months. 
2 ) When you reach 78 % loan-to-value ( LTV ) based on the original value of your home.

3 ) You have paid MIP for at least 5 years since originating your current first mortgage Their contact information is : For Notices of Error and Information Requests Lakeview Loan Servicing ATTN : Mortgage resolution P.O. Box XXXX Virginia XXXX, Virginia XXXX XXXX Loan Number : # XXXX Property Address : XXXX XXXX XXXX XXXX, XXXX  XXXX, MD XXXX XXXX XXXX XXXX
Product: Mortgage

My mortgage was sold by XXXX to Ditech in XX/XX/2016. The last mortgage payment I made to XXXX was never transferred to Ditech, so as soon as my account transferred I was considered " late ''. I called and wrote Ditech to no avail. I ended up making double mortgage payments for XX/XX/XXXX in an attempt to stop them showing I was late in paying my mortgage. It has been over a year and I thouight they had finally cleared this up, but just looked at a current statement and it shows accumulating late fees. THE PAPERWORK I RECEIVED WHEN MY MORTGAGE WAS TRANSFERRED TO DITECH INDICATED THAT THEY WOULD NOT CHARGE LATE FEES FOR 60 DAYS AFTER A MORTGAGE WAS TRANSFERRED TO THEM. They have committed fraud because they did not honor this agreement. 
I have NEVER knowingly paid anything late in my entire life. My credit score is over XXXX. Why can they not clear up their accounts and just be honest? Why did I never receive notification that they thought I still owed them a late fee?? In this situation with Ditech, I even made a double mortgage payment ( once to XXXX, and once to Ditech, which should n't even have been owed if they knew their accounting system from a hole in the ground ) to avoid a late fee, or being caused to look like a deadbeat. 
It enrages me that mortgages can be bought and sold seemingly at random and the consumer has no choice whatsoever in who services their mortgage. This is the hugest financial transaction that 99 % of us will ever have. Why ca n't it be done right? 
XXXX, I revere you. Please help with this issue. It is n't just me, but umpteem consumers that are getting shafted by this morgage servicing XXXX. 
Many thanks in advance for whatever you might be allowed to do by the current " administration ''. 
What am I asking for? : ( 1 ) Ditech removes the bogus " late fees '' from my account ( 2 ) Ditech sends me a letter of apology and an acknowledgment that what they did was in violation of their own policies ( 3 ) Ditech is put on some kind of watch list so if they continue doing this to me or any other consumer, they face harsh penalties and/or jail time for everyone in the C-suite ( 4 ) A bill is introduced to make mortgage servicing " cramming '' a federal offense punishable by massive penalties and jail time for executives
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York 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 id 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 reporting or other personal consumer reports

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX XXXX XXXX Status : XXXX Date Filed/Reported : XX/XX/year> XX/XX/year> Reference # : XXXX XXXX 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. 
15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have a payment agreement with district courts in Michigan of {$40.00} a month with XXXX XXXX. They are reporting incorrectly that I have missed a payment and my balance has increase {$75.00} dollars and has listed this account as a collection account in the remarks when it is PAID AS AGREED. They have been paid each month as our agreement yet continues reporting inaccurately.
Product: Student loan

I don't have dollar amounts as that is what I am trying to obgain. I am unable to get information from ACS/Conduent about my loan. It is now with a new servicer and I have no historical data. Conduent will not let me log into my account to try and find this information.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) THAT YOU, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX in XXXXXX/XX/XXXX under the account number ( XXXX ), in the sum of {$0.00}. account opened at XXXX systXXXX in XX/XX/XXXXXXXX XXXX  under the account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX A service XXXX account opened XXXX under the account number ( XXXX ) in the sum of {$0.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent addresses appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, addresses, or hard inquiries as reported. The aforementioned accounts, addresses, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, addresses, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, addresses and hard inquiries are the result of identity theft and fraud. list of inquiries in question :
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple documents in to the consumer reporting agencies about the fact that the personal information they have for me is inaccurate and they need to remove it. They have YET to do so. It is your grave responsibility as outline in the FCRA to ensure that ALL information pertaining to me is 100 % accurate. 

You need to remove ANY information that does not reflect the following : Full name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX Employer : XXXX XXXXXXXX XXXX  Any other information outside of what's above, is considered inaccurate and you need to delete it. I have attached my ID for reference.
Product: Credit reporting or other personal consumer reports

I am filling this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect mt true credit history. 

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 XXXXXXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

After an exhaustive search for my missing second stimulus check from XXXX to late XXXX, XXXX, I was informed by the IRS that the check has been deposited into our checking account with my social security number in XXXX XXXX  in XXXX Ohio. Over the next couple weeks I was not able to successfully make contact with or get a response from XXXX  until I made a complaint with the XXXX XXXX XXXX of Ohio. It was in then they we were informed that it had been transferred to a US bank account in my name per instructions from the IRS. The IRS indicated their records showed that the check was still in XXXX  checking account. Keep in mind, from XXXX to mid XXXX there have been several contacts with US Bank each time we were informed that they have not received the check because the account has been closed and would have had to send it back to the IRS in a timely manner. Important, because it will still take another 6 to 9 weeks for the IRS to mail it to me. So then a call was made to US Bank ( mid XXXX  ) AFTER XXXX  statement, we was then told they did receive it and deposited into my closed business account. The account had been closed since XX/XX/XXXX due to fraud by my ex spouse Im a single parent and small business owner requesting the return of my monies asspnn
Product: Credit reporting

The Consumer Financial Protection Bureau 's actions and response to my ongoing complaint, in regards to Case Number XXXX is deliberately confusing and false. You claimed both Experian and XXXX at XXXX, GA XXXX could not be found and my problem of having a fake debt on my credit report is not one known to you. False. In fact, Experian is a publicly traded company ( EXPN on the New York Stock Exchange ) that harvests and sells credit information globally. Additionally, Experian is one of XXXX credit bureaus whose complaints by others they have bullied, harmed, harassed and refused to respond to can be reviewed by consumers. Their violations of the Fair Debt Collections Practices Act and the Fair Credit Reporting Act are in the thousands, and the Consumer Financial Protection Bureau has turned a blind eye to their abuses. 
Your denial of their abuse of power, abuse of the credit financial system and wanton disregard for all consumers including me is reprehensible. We know these companies are cheating and abusing customers with your consent, daily. We are very aware of this. We are also aware that your benign neglect and purposeful refusal to perform your fiduciary and lawful duties, by falsely claiming that you have no idea what Experian and XXXX are doing by placing false debts with no contracts, proof, evidence, validation ( either written or otherwise ) with your permission. The CFPB has failed and refused to force them to remove the fake debt from my credit report for more than 1 1/2 years. They are committing a fraud with your blessing and expressed permission, because the Consumer Financial Protection Bureau does not protect consumers. You have separate rules for companies and consumers, by stated today XX/XX/2016 in your email to this consumer, " ... we can not help you because we do n't have an address for these companies. '' Experian can be found on XXXX, XXXX, XXXX. 
Although we have no past due debts, it does not matter. Experian and XXXX have kept a false debt on my credit for years, and you condone it with your crooked policies. This helps no consumers, but it serves to protect companies like these two that act continuously in bad faith, steal consumers ' ability to do business and obtain loans, and continue to be a threat to every citizens ' life and livelihood. You do not look for problems facing consumers or enforce Federal Consumer financial laws. That is not what you do. You submit emails to protect predator companies like the two listed in this complaint, in the form of a scripted email that does not address a problem ( created on XXXX 2016 by a computer, not a human being ). Federal and state employees never work on XXXX and this attempt to ignore me, and cheat me further has been duly noted.
Product: Checking or savings account

It is evident these issues are common but what is being done about it? The banks know our spend algorithms and bank on them by holding deposits for a length of time in which overdraws most accounts. I see contacting the CFPB has no impact on them, nor do they threat even the mere possibility of recourse. I question why do these jobs even exist when the case gets closed or even redirected to the FTC, which still gets nothing done?!?! Can I have a job??? I can do nothing really well. 
Look... I am a small business with great aspirations and future potential trying to make a way in life with minimal resistance, all I want is to be paid. Chase bank has received deposits every week from the same account for the last six weeks and still deems the account holder high risk. I know my money is small in nature and can't compare to the big boys but it's the little guy that keeps the wheels moving, I am posting this so everyone who shares similar experiences as myself will give up hope because nothing will ever be done, the CFPB, FTCXXXX XXXX XXXX  won't do nothing because nothing is in it for them ( this is my opinion ) My advice is run as fast as you can away from Chase Bank, they are a third party bank and don't follow same rules as everyone else.
Product: Credit card or prepaid card

I am a victim of ID Theft and elderly financial abuse. 

XXXXXXXX XXXX had done an excellent job of restoring my accounts, minus various debits and attempts to send money to a " XXXX XXXX. '' However, Discover card has not provided a Conditional Credit or permanent reversal for a charge unauthorized to XXXX XXXX in New York, for {$3900.00} on XX/XX/XXXX. After a month and hours on the phone talking and transferring to several agents, payment is coming due. When I checked on line on Disputes, I get " You have no active dispute on file. '' Address is : Discover Financial Services, XXXX XXXX XXXX. XXXX XXXX XXXX. Utah XXXX. 

Please help before my perfect payment record is impacted. 

XXXX XXXX XXXX XXXX XXXX. 
Ca. XXXX ( XXXX ) XXXX
Product: Mortgage

Mortgage Loan Officer XXXX XXXX XXXX # XXXX - The loan officer information attached above, was helping me to have a loan for buying a home. She is holding my application for a month. She asked me to provide a full application and I have submitted all the needed documentation, including personal statements, and credit reports, including W2 and taxes information. She refused to offer my loan today for me on a recorded line, she harassed me to distribute my information to others, she also harassed to close my account. That is because she wanted me to tell her personal information about my family that is not included in the paperwork, and give her full statements about my food, medications, traveling, gifts, and the religious donations. She was very strict to call my name and categorize me as a XXXX where Im not. She pointed us people lives in XXXX as crazy, she was very happy to make this progress hard and negative for me. She discriminated me when I explained to her that is I need a home to live in, and she laughed at me and she told me never buy anything because I have mo money because I am immigrant. Where I am a US citizen. 

Please see attached application complete paperwork.
Product: Mortgage

Dear CFPB, We have tried endlessly to get this servicer to fix the errors on our mortgage and it is only getting worse. Our mortgage is actually with Mid America and XXXX XXXX is the servicer. Not sure what all these connections mean I only know that I pay my mortgage through XXXX XXXX but my mortgage is with MidAmerica. Meanwhile my mortgage all year long was {XXXX} never missed a payment. Then in XXXX they claim escrow was short and bumped the payment up to XXXX. The problem with that was at the refi last year the homeowner insurance office and the property tax office received a double payment in error from the mortgage transaction of refinancing and instead of them returning the extra money they put it in a suspense account for half of the year and then decided not to return it at all instead they put it on the principal mortgage owed which caused the escrow account to be short for the upcoming year. After it was short they turned around and charged us for the escrow. Now our house payment has increased and we are being charged exuberant amounts for mortgage due and to repay escrow. We ca n't even figure out what exactly is our mortgage payments anymore. We have been given three different amounts in one week from customer service. When you go online to look at the payment history it 's filled with so many misapplications and errors and changes that the average consumer ca n't figure out what the correct amount is that is due. I had a mortgage with a set payment and they broke the contract with all these misapplications and erroneous due payments. Could someone please assist us and tell us what is due and what is going on with this mortgage. I have never seen anything like this. I am a veteran and I appreciate any help you could offer. Thanks for your time.