23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Complaint XXXX was submitted and the response of sending to FTC is not confirmed by FTC as FTC has stated they do not have access to CFPB Complaints. So why tell consumer this can of information This Complaint know consists of new evidence that the Bank ha suggested that until some sort of settlement can be reached with Wells Fargo that the monthly privilege of direct pay be cancelled & converted to checking or another service until perhaps a Court Judgment be determined Wells Fargo continues to evade the facts that the Escrow False Narrative that they have created has no basis. 

The attached letters sub titles best describes the financial scheming that Wells Fargo has created that must be reversed as there is no foundation from any Entity from Insurance, Taxes that support the substantial change in TOTAL AMOUNT DUE of {$760.00}. 

Thus in Order to save guard the well being of the homeowners banking assets the Request to discontinue direct/ automatic withdraw as of XX/XX/XXXX must be accepted by Wells Fargo to the address of record. Withdraw without any basis can not be sustained and must stop as of the final withdraw of XX/XX/XXXX. 

In review of the most recent correspondent dated XX/XX/XXXX are old talking points with no basis to include False Narrative of there being a Escrow Shortage leading to substantial increases from XX/XX/XXXX to XX/XX/XXXX to XX/XX/XXXX and then onto XX/XX/XXXX, of XXXX that has no collaboration in reality other than a financial scheme that even Legal Aid of Southern Nevada Talk to a Attorney Program typifies as a scheme that Wells Fargo has been unfairly dealing to homeowners for far to long. The Ask A Lawyer Program Attorney further stated that CFPB would be the right place to seek Redress to the False Narrative placed on this Mortgage that again and although redundant is not back by the false statement ( s ) in this XX/XX/XXXX letter in all aspects from Taxes to Insurance. 

The old talking point of the is fragrantly outlined and dragged back and forth into this False Narrative in the XX/XX/XXXX letter that the Applicant failed to provide financial documentation to close on a property ( See Page 2 Paragraph 2, Line 3 & 4 ) There was no such failure and Wells Fargo has to capability of constructing events that would validate this claim of failure.

The ONUS was on Wells Fargo to close and they failed to complete that transaction and that is why the Earnest Money of {$1500.00} was lost to the Seller If not corrected by Wells Fargo with a complete reversal of this " Action '' or the requested sale of this Mortgage then the litigation will be necessary. It should be of interest to CFPB that the Courts are not new to this litigation against Wells Fargo.
Product: Mortgage

I had asked Caliber Home Loans to be removed from e-statements and for them to mail me statements XX/XX/2016 because I would miss the e-statement emailed to me and accrued a late payment. They removed that late payment. Caliber Home Loans did not remove me from e-statements nor did they mail me a statement and I accrued another late payment penalty. I called again in XX/XX/XXXX requesting to be removed from e-statement and never receive a statement by mail. I called again in XX/XX/XXXX and explained how I have always paid in advance when I would receive my statement in the mail. Now this e-statement has messed up my payment history and wanted to receive statements by mail and asked to have my late fee waived. 
I have asked several times for it to be removed and Caliber Home Loans never did. My account shows me contacting them several times but with no response from Caliber Home Loans. I spoke to account representative and asked to speak with a manager. The account representative said that the manager was busy and would call me back. I have never received a call back from Caliber Home Loans. I asked for them to waive my late fee and they would not. I tried to pay my mortgage payment online but Caliber Home Loans would not allow me to make the mortgage payment without paying the late fee. So I mailed them a payment. Caliber Home Loans sent me a letter stating that my payment was posted to my suspense/unapplied funds account. What is that? How being late on two payments equal to a {$310.00} fee? Where in my mortgage does it state Caliber Home Loans can defer my mortgage payment to another account? How can Caliber Home Loans send me a letter but be negligent in sending me a statement in the mail?
Product: Credit reporting, credit repair services, or other personal consumer reports

I got fired from a job that I was working for because of information that came back from a consumer reporting agency. I don't have any felonies on my criminal background so I don't know what is on there. I checked my Equifax report and there is much incorrect information ranging from auto loans, mortgage loans and personal loans. When I try to dispute this information online they give me a choice of business to choose from when they say around a specific time a auto loan or mortgage loan was put in my name. I have no idea who the company is and I choose none of above. After doing this the online system rejects my identity and I can't make a online dispute. But I'm telling the truth when I see I don't know any of these businesses that I'm suppose to have been given these loan. I don't know how they continue to keep this information on my record and I can't dispute it. I had a decent job and I'm very upset to have been fired and now receive no income. I was also provide a credit monitoring service from the IRS after they said that I had been a victim of identity theft and someone had gotten refund checks in the amount of {$4400.00} from the years of XXXX-XXXX.These people where in XXXX XXXX, GA and XXXX, TX. I was staying in a XXXX  XXXX so I could believe how the IRS would process returns from other states with my social security number.Since I have had the monitoring service I've still had problems.
Product: Credit card

American Express has taken away our rewards points by closing our account. I have made several inquiries, all of which are ignored with no response. They closed our account one day prior to the pay by date that is only 14 days from their closing date each month and even prior to us receiving the current bill. We had a dispute over a paid unauthorized charge in this account, and we had actually arranged payment for the dispute plus all new charges the same day the account was closed by Amex. In their arrogance the state we do not make our required payments each month, and this is not true. We paid all new charges in full that we actually charged and sent them a spread sheet proving that. The only amounts left unpaid were disputed amounts. As an act of good faith we paid the disputed amount on our account of {$3400.00} that consisted of an unauthorized charge of {$2100.00} paid by American Express with our authority to pay and {$1700.00} of unexplained additions to our total charges summary that began in XXXX 2013 and grew from the original unexplained amount of {$260.00}. We will pay all incoming charges left on the account prior to the next billing cycle closing. Since the amount we will have paid by then will be over {$13000.00} we would like our rewards points at that time.
Product: Credit reporting or other personal consumer reports

Discover Bank has repeatedly violated the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information on my credit report. Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), furnishers must ensure accuracy, yet errors persist. Additionally, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) requires a reasonable investigation of disputes, which Discover Bank has failed to conduct. Their continued noncompliance has caused financial harm, and I request immediate corrective or removal action. 

Discover Bank XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I fervently request the removal of this account from my credit report because it does not pertain to me, and I'm truly disheartened by its appearance. I want the company to expedite its elimination from my credit record.
Product: Debt collection

Does not adhere to 15 cease and desist notifications. All I want is all communication to be in writting
Product: Debt collection

About 6 years ago I have a XXXX in XXXX XXXX XXXX in XXXX XXXX My insurance paid the requested amount which XXXX $ with check After that I got a bill for XXXX $ XXXX talked to the hospital and I explained to them that They told me was a mistake then I started having collections agency calling me I been disputing that since then they removed on agent and it come the other So I got really frustrated about it
Product: Debt collection

I am a victim of Identity Theft. 

Portfolio Recov is reporting on XXXX collection my credit file that is extremely damaging to my credit. i am getting no response from the collection agency reporting this debt.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXXXXXX - BALANCE {$0.00} Account Name : XXXX # XXXX - BALANCE {$0.00} Account Name : XXXX XXXX XXXXXXXX {$340.00} Unauthorized inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATE

D MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT
ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Product: Money transfer, virtual currency, or money service

I sold my home in XXXX XXXX XXXX, CA to Zillow. Zillow used their own escrow company ( Zillow Closing Services ) to handle the funds for my transaction. 

On XXXX I transferred ownership to Zillow and on XXXX Zillow closing services were scheduled to wire {$270000.00} to XXXX XXXX XXXX in XXXX XXXX, CA so I could close on my new home. 

The funds were sent at approx XXXX on XXXX. But the funds never arrived and around XXXX XXXX it came to light that they were wired to an incorrect location that was set up by a scammer to impersonate XXXX XXXX XXXX and intercept the funds. It doesnt appear Zillow followed their internal protocols to verify the wire destination before sending the funds. The destination escrow company called and left numerous messages for the staff at Zillow closing services with no response in order to make sure they knew the wire destination. 

Zillow acknowledged receipt via email of the correct wire instructions and also acknowledged receipt of an irrevocable demand document which shows the correct wire destination. However the funds were sent elsewhere. 

Currently I have no home to go to and every day I am incurring storage costs for all of my items.
Product: Mortgage

To start off this whole process has been a mess. I continually asked my loan officer XXXX to explain things to me more and call me at a more appropriate time where I could talk amd he didn't. XXXX home alone with my two small children and not able to focus on this process I knew nothing about. I am retired Army and a stay at home mom with a XXXX and XXXX XXXX XXXX. I've raised them alone since birth woth help from no one. So this man speed balled me through the process making me promises of having money to fix my basement. I had told him some of the things on my credit I was disputing amd he said not to worry. Just don't send those checks from closing in and that newday would send me the money from the checks not cashed. I also had given them a quote from XXXX for insurance qhen they asked me to get one but I did further research and decided to go with state farm. I told this to him before closing and he told me to not change it because it would hold the loan up and he would change it after.

My loan officer XXXX decided to not be involved with any of the closing of this loan instead I had then started talking to his supervisor. Who still made me feel stupid and kept speed balling me through the process. Neither one of those men contacted me after the loan closed. I had no point of contact at all. The one I did end of getting was because of the review I wrote on XXXX. But she stopped answering my calls. So during closing when I started to realize how screwed I was but still didn't really get it because again I am clueless on all of this and no one was helping me to be informed they were just trying to close a loan. My interet rate went up. My mortgage rate went up by XXXX dollars. And they still have not sent me the money from the checks that were not cashed. I have called and spoken to people and get shoved around and told nothing. They say they will call back and they dont. I finally talked to the closing company and they told me my case was interesting and they had heard about it and then they would have a manager call me back. I've still no phone call. And I'm starting to wonder what was done wrong in this loan that should make it so interesting and I want answers. I have over XXXX XXXX dollars that I am owed. They never adjusted my payment from when my insurance rate was cut in half. There are so many things that have gone wrong and I sit here still with unanswered questions and no call back.
Product: Credit reporting or other personal consumer reports

I don't recognize these inquiries and request for them to be removed immediately. I have attached a copy of the FTC report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX, Dept of EducationXXXX XXXX XXXXXXXX, Dept of XXXX XXXX XXXX XXXX XXXX of EducationXXXX XXXX XXXXXXXX XXXX Dept of EducationXXXX XXXX  XXXX, Dept of Education/XXXX XXXX Dept of EducationXXXX XXXX XXXXXXXX XXXX Dept of Education/XXXX : XXXX, has violated my rights .

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I NEED HELP CORRECTING SOME ISSUES REPORTING ON MY CREDIT REPORT
Product: Checking or savings account

On Friday, XX/XX/XXXX, I received a call from Citibank executive manager, XXXX. She apologized and told me how Citi was going to take discplinary action against employees involved in this case. This is regarding the Consumer Financial Protection Bureau now-closed complaint ID XXXX. I told her I am closing my account immediately due to what they did to me. XXXX told me they would overnight me my cashier check from the account I closed, an ACCELERATED SAVINGS account, and the check would include interest earned. She promised to email me a tracking number and even suggested that it will likely arrive Monday " because of the weekend, '' she said, even though it was a next day air. As of today, XXXXXXXX XXXX / EST on TUESDAY XX/XX/2023 she has not given me a tracking number, nor have I received the check with my funds. 

I have contacted the XXXX XXXX XXXX XXXXXXXX to who has kept my case open, to update my case. At this time, I consider my money missing and / or stolen.
Product: Debt collection

On XX/XX/2024 Mountain Land Collections reported a collection to my credit report without ever properly notifying me before damaging my credit score. I never received any attempt to collect before they reported it to the credit bureau, nor was I able to dispute the validity of the debt. I also never received a bill from the originator XXXX XXXX XXXX XXXX. I properly received a bill from the hospital, XXXX XXXX XXXX XXXX, which I paid thinking I was all paid off with the visit. However I Never received a bill for this amount, or this wouldve been settled.
Product: Credit reporting, credit repair services, or other personal consumer reports

This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  and synchrony bank allowed individual ( s ) # to open an account ( s ) without providing authentic identification documents proving that this debt is issued to the correct person ( s ).
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX XXXX XXXX Balance : {$31000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit rating for all three companies continuously shows delinquent charges even when XXXX XXXX & their Mortgage company XXXX XXXX has formally submitted a mortgage condemnation 1099 to the IRS. All three credit reporting companies have not updated my credit rating since XX/XX/2020 even after being shown proof that the claims are fraudulent claims by XXXX XXXX & their Mortgage company XXXX XXXX. They have repeatedly denied any wrong doing and tell me how to repair my credit rating which I have tried but produce no results. The mortgage in question was an illegal mortgage to begin with and the house needs to be condemned because it is not built to national or local building codes. Because of the incorrect reporting they are slandering my reputation, my creditability and my credit rating on a daily basis. Here is a link to all the evidence. XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Details of the Issue : I am filing a complaint against Experian for failing to properly investigate and correct inaccurate information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Despite submitting a formal dispute with supporting evidence, Experian has refused to remove or correct the following inaccurate and/or unverifiable accounts : Disputed Accounts : XXXX XXXX XXXX Account charged off. {$1300.00} past due as of XX/XX/year> ( Inaccurate past-due reporting on a charged-off account ). 
XXXXXXXX XXXX XXXXXXXX Account charged off. {$3900.00} past due as of XX/XX/year>XXXX  ( Charged-off accounts should not report as past due ). 
XXXXXXXX XXXX XXXXXXXX Paid in settlement ( Request confirmation that balance is correctly reported as {$0.00} ). 
XXXX XXXX XXXX Account charged off. {$980.00} past due as of XX/XX/year> ( Same inaccuracy as above ). 
XXXX XXXX XXXX XXXX {$880.00} past due as of XX/XX/year> ( Failure to provide proof of ownership of this debt ). 
XXXX XXXX XXXXXXXX No proof of late payment provided ( Failure to verify delinquency as required under 15 U.S.C. 1681i ). 
Violations Include : Failure to Conduct a Reasonable Investigation Experian did not verify the accuracy of the disputed accounts as required by 15 U.S.C. 1681i.

Failure to Ensure Maximum Possible Accuracy Reporting inaccurate or unverifiable information violates 15 U.S.C. 1681e ( b ).

Failure to Provide Verification Documentation Experian has not provided evidence supporting the accuracy of the reported information.

Failure to Remove Unverified Accounts Under 15 U.S.C. 1681i ( a ) ( 6 ), if verification is not completed within 30 days, the disputed information must be deleted, yet Experian continues to report it.