23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/XXXX modification granted. Error made where late payments added to payments. Customer Account manager told my wife and I NOT to make a payment until they corrected it. Spent every month updating modification documents. Foreclosure proceedings began. The sell date was for XX/XX/XXXX. XX/XX/XXXX the XXXX modification package was sent to Bank of America. Was told that the sale was stopped. The last notice of the sale was in the state paper on XX/XX/XXXX. XXXX requests for validation of debt has been ignored. Told on XX/XX/XXXX house sold on XX/XX/XXXX. On XX/XX/XXXX found house on site listed as REO to be sold on XXXX starting bid at {$25000.00} on XX/XX/XXXX-XX/XX/XXXX. XXXX customer service managers assigned since XX/XX/XXXX. XXXX faxes sent giving the permission for Bank of America to discuss loan with my wife. XXXX appointments scheduled for customer account manager to call to discuss account. No calls received. Sat on hold for XXXX hours for one call XXXX times. Wrong phone number given on the loan modification status web site. An extension number was never given, without extension number call would hang up on my wife. Bank of America is guilty of breaking several laws : refusal to validate debt, dual tracking of a foreclosure ( packet in more than 37 days before the sale ), not posting notice in local paper, when posted it was in a state paper not widely circulated in our area more than 10 days before the sale. We were not properly notified of the foreclosure. The attorney 's letter was received almost 1 month after XX/XX/XXXX.
Product: Credit reporting

I have disputed an XXXX credit card with Transunion on XX/XX/2016 that officially XXXX is reporting as being charged off. they have sent me back an updated report stating that XXXX verified it. 

I have send them a new letter requesting how did they verify this. How could they have verified it if after multiple attempts to get XXXX to send me proof they were not able to send me any proof that this account has anything to do with me. 

Transunion has meanwhile ignored my letter and is still reporting this inaccurate information on my report. 

I request that Transunion send me proof of how they verified it. just speaking to an XXXX repesentive that looks on computer screen is not enough. 

I request to get either a copy of contract, settlement or some other proof that this account is anyhow related to me. if they verified it by telephone, I request the NAME and direct extension of the XXXX Representative and what proof the Representative said they have that this information is accurate. 

this is my final attempt to settle this dispute out of court. If i do n't get proof of how Transunion verified this account and Transunion will still keep on reporting this inaccurate info on my report, I will sue them in court for violating my rights under the FCRA and for financial loss because of their violating the law
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute inaccuracies reporting of accounts that are displayed in my Credit Report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Upon reviewing my credit report, I identified multiple inaccuracies in how these accounts are being reported. These accounts are current and NEVER late. 

Additionally, these accounts status is being reported as derogatory, which is false and defamatory. 

This misrepresentation must be corrected immediately. 
THIS IS WILLFUL NONCOMPLIANCE. 

This is the three time I dispute these inaccuracies Legal Violations The reporting of this account violates multiple provisions under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws, including but not limited to : - Defamation of Character - Neglect Enhancement of Identity Fraud - Violation of the Fair Credit Reporting Act.

- Violation under 15 U.S.C 1681o Civil liability for negligent non- compliance - Violation under 15 U.S.C 1681n Civil liability for willful non- compliance - Failure to comply with 15 U.S.C 1692 ( g ) - Violation under 15 U.S.C 1681b- Permissible purpose of consumer reports- Violation under 15 U.S.C 1681 ( i ) Method of Verification - Violation under 15 U.S.C 1681a Right to privacy - Violation under 15 U.S.C 1681c Requirements relating to information contained in consumer report.

Demand for Immediate Action I demanded that you are immediately : 1. Update the payment status to reflect Current 2. Update the account status to reflect Current/Positive 3. Remove all comments referring to late payments. 
4. This account is current and NEVER late.

5. Delete/remove reporting due to Willful Noncompliance.

Failure to respond satisfactorily within 30 days will result in a small claims action against your agency.

I will be seeking damages for all violations, as each violation carries a statutory cost of {$1000.00} under 15 U.S.C 1692k. 
I expect this letter to be taken seriously and demand that this fraudulent and defamatory account be corrected immediately. If the requested corrections are not made. I will escalate this matter through legal
Product: Mortgage

In XX/XX/XXXX I applied for a home with DHI and was approved with a closing date of XX/XX/XXXX. I then got laid-off from my job on XX/XX/XXXX, but already had another job lined up and therefore immediately I notified my loan officer including the offer letter which included my income. I sent it to her on XX/XX/XXXX. I wasn't notified until XX/XX/XXXX from the loan officer ( 10 days before closing ) to advise she wasn't going to be able to approve the loan because my DTI. I was distraught. I then called her back several times and she did not answer work or cell. Therefore, I sent her an email asking what was I to do because I had no where to go at that point and why wasnt that caught when I sent the information to her which would have alotted me enough time to rescind the 60day notice, considering I had to put in a 60 day notice to vacate and it was too late to reverse it at that point. I never received a response from the loan officer which then prompted me to send her another email which asked her why my child support income could not be considered. She then replied to that email stating " she could use the child support if it was 6 months ''. I already mentioned I only had 3 months so I knew she was basically telling me there was nothing she could do for me. I then reached out to my realtor and she directed me to another lender that she knew would be able to help me. I contacted the lender and he got on it right away and got me an approval with my 3 months child support. On XX/XX/XXXX the loan officer from DHI reached out via email stating she could now use 3 months. I knew immediately she was trying to steal the loan back but I already made the decision to work with the new lender who was able to help willingly. I advised her I decided to move forward with the lender and asked for her to transfer the loan to the new lender. I never heard anything from her and a week passed and she had not yet transferred the loan which delayed me in closing. Me, my realtor and new lender had to jump through hurdles to get in contact with staff at DHI to have the loan transferred. Once they transferred the loan on XX/XX/XXXX they submitted a denial which blocked other lenders from working with me. I am now homeless with no place to live with my XXXX children. I have made several attempts to get the loan transferred without the denial ( which is not valid ) and appears to be an deceptive act as they was trying to take the loan back. I also asked for manager, VP and director contact information and have not received any response. They have drug my through the dirt hindering my ability to get a FHA loan when I am qualified for the loan. Their unfair and unethical behaviors has damaged me and my family tremendously. They made me pay them {$450.00} for an appraisal then turned around and blocked the lender from being able to close me on the house. I have lost many nights of sleep, cried a river and have not been able to eat a meal since this has taken place. This by far is the worst lending company to work with. I would not recommend DHI for any lending purposes.
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$2100.00} XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$590.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Subject : Complaint Against Wells Fargo Bank for Discrimination, Account Closure, and Funds Withholding Details of Complaint : In XX/XX/year>, I deposited {$33000.00} into my Wells Fargo checking account through ATM located in XXXX, New Jersey. Shortly after, the bank froze the funds and later announced its intent to close my account. 

I strongly believe that I was subjected to discrimination based on my race, national origin ( XXXX XXXX ), and limited English proficiency. Despite being a long-standing customer of Wells Fargo with multiple accounts ( checking, savings, and a joint safe deposit box with my spouse ), the bank took actions that caused significant harm to me and my financial situation. 

The bank : 1. Blocked access to my deposited funds, withholding them for an extended period without clear explanation. 
2. Failed to provide me with even minimal access to my funds, leaving me without money to cover basic living expenses. 
3. Ignored my repeated inquiries and did not respond to my requests for assistance. 
4. Proceeded with the account closure process, which was scheduled for XX/XX/year>. 

As a result of these actions, I experienced significant financial and emotional distress. I was unable to meet my financial obligations to creditors, make necessary payments, or plan for essential expenses. 

Furthermore, Wells Fargo has yet to return the funds to me in the form of the original check or any other means. This prolonged withholding of funds and poor communication has caused undue hardship, including emotional distress, as I had no access to my money during a critical period. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly. I also ask that Wells Fargo be held accountable for their discriminatory practices, unfair treatment, and financial harm caused by their actions. I am seeking : Immediate release of my funds, along with any interest accrued during the withholding period. 
A full investigation into Wells Fargos decision-making process and discriminatory behavior. 
Compensation for the emotional and financial damages caused by the banks actions. 

Thank you for your attention to this matter.
Product: Checking or savings account

My mother and I have a checking account that was frozen for no reason. The bank said the account was being closed and our funds were frozen for two weeks. When we called the main office we sat on hold for an hour, then when we asked for a supervisor we were put back on hold and hung up on.
Product: Checking or savings account

I made a deposit of a state check, I realized i needed access to the funds sooner than i thought I clled and askethem to please candeposit but since they had instructed me to write " deposit to Chime only '' on the back, i was not able tocash it anywhere i then called them and told them problem and since i had cancelled could i redeposit the check i was told " sure no problem just go ahead and redeposit '' the next day I get an email saying my check has been denied. they start treating me like i tried to cash the same check twice. I told them absolutely not and that i had called and cancelled the first deposit with a young lady name XXXX they claim to have no record of it because she did not cancel on their end. i had spoken to her on their chat feature and still had the conversation on my phone. this fell on deaf ears. I was obviously very upset, they suggested i get the check reissued because they were not going to accept it at all. it is a state check, that will take forever, this is their error i did all i could to keep them informed. I want to close my account with them. Unfortunately, when trying to open an account with a different online bank I am now being denied! i firmly believe it is because of Chime. they are no help at all it takes forever to get a supervisor I had to aske for one fromXXXX or XXXX different reps. please help me. Ii only want to speak to them on chat because i was told they do not record their phone. they claim to have started an investigation but as of yet i have not heard anything. this started on XXXX or XXXX i believe, it has been one of the most frustrating and stressful situations I have ever had. plus now am being treated like a criminal. this is very unprofessional and unfair. I demand they fix this and clear my name, I really dont know what else i could hav done to make it any clearer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spent Hours removing 18 hard Pulls from Capital One Bank and i still have some and don't have account with them, give them my name and address they got nothing but they keep coming and it keep costing me and Capital One has been notified over 30 days ago and nothing i bill collectors, i got that stopped, for while for a living on low income during this shutdown this has put hurt on getting a loan of any kind. this is data break stolen social security number, date birth, name, address
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act and the federally protected rights it provides the following accounts are listing improper late payments on my credit report. I have also attached a court order upholding my responsibilities to the following accounts. 

FXXXX XXXX XXXX  - Account # XXXX Late Payment reporting on XX/XX/XXXXXXXX XXXX XXXX Account # XXXX Late Payment reporting on XX/XX/XXXX XXXX U.S.C 1681B - Permissable 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 : ( XXXX ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 

15 U.S.C 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C section 604 A ( XXXX ). States a consumer reporting agency can not furnish without my written instructions.
Product: Student loan

Borrower took out a student loan with wells fargo - I am a co-signer for borrower 's student loan. Borrower is now living overseas. Problems with the borrower 's bank and wells fargo payment processing system leads to periodic payment lapses. When this occurs, wells fargo fails to contact the borrower and instead only contacts co-signer. This has been occurring since XXXX when the loan was in repayment status. For seven years I have been battling with increasingly higher levels of management at wells fargo student loan servicing ; they have always assured me that they CAN contact the borrower when this happens. Phone numbers and email contact for the borrower have been supplied numerous times to wells fargo. Yet this never happens and inevitability I receive a letter indicating this payment lapse. These notifications are always sent by XXXX mail to the cosigner and arrive while I 'm traveling, delaying receipt of it and corrective action. I have been further assured that calls would be made to me to speed up notification times, but to date this has never happened. Finally, 7 years later, wells fargo sends the cosigner a letter that they are not allowed to contact the borrower who is living internationally due to privacy regulations nor are they allowed to contact me via phone. Upon requesting a copy of those regulations, I 'm rebuffed and told that I need to identify those regulations myself - a ) why wells fargo are not able to contact a borrower living internationally when a payment lapse occurs, and b ) regulations preventing wells fargo from contacting co-signer by phone when borrower 's payment lapses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the fraudulent items reported on my credit report. Pursuant to the Fair Credit Reporting Act, specifically U.S.C. 1666b, I am challenging the accuracy of this information. The information appears as a result of identity theft. I have been a constant repeat victim of identity theft dating back to before 2018. It is documented, I have police reports and FTC reports along with other supporting documentation. This information was submitted and ignored and the items in question, which are surely not mine, still remain on my credit report. I am currently in the process of attempting to get a house and this is a huge problem/obstacle that needs a solution as soon as possible. I have sent multiple letters explaining this information and have not been able to get any assistance for months. This matter has been negatively affecting me for more than 6 months. My last letter was mailed earlier this month. 

I am requesting that XXXX, Transunion, XXXX, and any other relevant credit reporting agency re-investigate this matter and remove/block the inaccurate accounts along with the corresponding information from my credit reports. As stated in U.S.C. 1666b, I am entitled to have any incorrect or incomplete information corrected or deleted from my credit report as an victim of identity theft.
Product: Credit reporting or other personal consumer reports

I have fraudulent inquiries on my report. This is in violation of 15USC1681B Permissible purpose of consumer reports and the following Inquiries I do not recognize or give consent to PLEASE REMOVE IMMEDIATELY. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, XXXX XXXX XXXX XXXX XXXX  DELETE ALL FRAUDULENT INQUIRIES IMMEDIATELY
Product: Debt collection

IN XX/XX/XXXX A PERSON WAS SENT TO VERIFY MY ADDRESS AT XXXX XXXX XXXX, XXXX, NJ XXXX. THE PERSON, XXXX XXXX, WAS HIRED BY AN ATTORNEY, XXXX XXXX TO MAKE THIS VERIFICATION DUE TO A DELINQUENT MORTGAGE ON XXXX XXXX XXXX, XXXX, NJ XXXX. 
THE MORTGAGE COMPANY WAS OCWEN LOAN SERVICING WHICH HAS NOW BECOME PHH. 

MY RESIDENTIAL ADDRESS OF XXXX XXXX XXXX, XXXX, NJ XXXX HAS NEVER BEEN QUESTIONABLE. ALL MAIL SINCE THE MORTGAGE ORIGINATION IN XX/XX/XXXXHAS BEEN SENT TO THE RESIDENTIAL ADDRESS. 

MR. XXXX XXXX TOLD XXXX XXXX THAT HE CAME TO THE RESIDENTIAL ADDRESS OF XXXX XXXX XXXX, XXXX, NJ XXXX AND FOUND THAT IT WAS AN ABANDONED BUILDING THAT HAD BEEN FORECLOSED ON. TOTALLY FALSE. 

AN APPEAL WAS MADE TO MR. XXXX XXXX AND TO THEIR LAW FIRM TO REMOVE THIS FALSE INFORMATION. THE LAW FIRM IS XXXX XXXX XXXX WHICH IS THE LAW FIRM REPRESENTING PHH. 

I AM NOW APPEALING TO CFPB FOR AIDE IN CORRECTING THIS FALSE INFORMATION. 

THE HOUSE IN QUESTION IS A RENTAL AND HAS ALWAYS BEEN A RENTAL. 
LANDLORD LICENCES HAVE BEEN ACTIVE SINCE XX/XX/XXXX WITH THE CITY OF XXXX. I HAVE NEVER LIVED THERE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to covid I had been on a forebearance with XXXXXXXX XXXX This started around XX/XX/XXXX. In XXXX of XXXX I called to get an extension of my forebearance. The rep said that it would be. I called some months later and the rep said I was not approved to be in one. They told md to contact the advocate XXXX and they ended up starting a home retention application. They told me while the home retention is pending my credit would not report negatively. I also applied for the federal money to catch up on mortgage payments called XXXX. I asked them can they wait until the funds are paid to them. They stated that this was my decision to decide. They specifically told me to contact a HUD counseling agency. They gave me one called XXXX based in XXXXXXXX XXXX XXXXXXXX sent loan modification papers to me, and gave me until XX/XX/XXXX to have my loan modification papers back in. I decided that if they will not keep my credit report froze from negative reporting, then I was going to take the modification deal. I called them and ask they did a conference call with me and the XXXX on the phone on XX/XX/XXXX. They told me that it was to late to send them back and they closed the loan modification offer a few days ago. They did not live up to their agreement to give until XXXX XXXX to send the papers back. A few days later started reporting all the negative payments to my credit. Now my credit is destroyed and have lost out on thousands of dollars in interest savings. All I want them to do is report my credit reports accurate, according to the fair credit reporting act. They promised in writing that the offer would expire XXXX, XXXX. My credit would still be good if they lived up to what they wrote to me. They also were the ones who told me to get a HUD XXXX in the first place. XXXX came and destroyed the little guy and the big mortgage company XXXX came to finish us off.
Product: Debt collection

I have written the credit bureau and IQ data to remove this account and if they're not to at least send me something that shows my signature. But instead, they sent me an invoice. I sent another letter and received a letter saying that they've already responded. But I have yet to receive anything that has my signature on it to let me know that this account is mine. I have disputed this account numerous times and it keeps coming back saying that it is accurate. 

If it is accurate all I'm asking for is proof. I've called XXXX as well and explained my situation and they advised that they just contact the debt collector and it is up to them whether the collection gets removed or not. 

So no one has been able to send me proof.