23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I contacted XXXX XXXX approximately a XXXX XXXX XXXX XXXX  ago, and spoke to an agent ( XXXX ) about the process by which i could let my soon-to-be ex-wife assume the Mortgage on our home upon completion of our divorce process. The agent assured me that since my wife was on the loan application with me, but not the loan itself, that XXXX XXXX would be happy to transfer the loan and all financial liability for the loan to my wife upon receipt of a divorce decree. 

I called back approximately a XXXX  later to confirm the details of my conversation with XXXX XXXX, and they informed me that my wife would not be able to assume the property without refinancing at a much higher rate. I asked why this would be, since the St. Germaine clause of 1982 would allow for such a transfer. XXXX XXXX informed me that this was due to restrictions placed upon the mortgage by the investor I authorized my wife to speak to XXXX XXXX regarding the loan, and they told her that it could not be transferred to her due to the fact that it was a USDA loan. 

I spoke to the originating agent who worked for XXXX XXXX  at the time, and now works for a large bank as the head of Overwriting. He said that he could not find anything in the paperwork that indicated that we would not be able to transfer the property in the event of a divorce.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing this message because I found the item in Transunion that is not mine. I can not understand why this account appeared in my credit report. Its a mistake I guess, so please take appropriate actions and remove this item because its killing my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent numerous letters to remove personal information that i don't want on my consumer report. In accordance with the Fair Credit Reporting act 15 USC 1681. Experian has violated my federally protected consumer rights to privacy and confidentiality. Also According to the 15 U.S.C 6802. No financial institution is suppose to share my information to third party people. 

This address does not belong on my consumer report, XXXX XXXX XXXX XXXX NY, XXXX, Address ID # XXXX These names does not belong on my consumer report, XXXX XXXX  XXXX XXXX ID # XXXX and XXXX XXXX XXXX ID # XXXX These are clear violations of my federally protected consumer rights.
Product: Mortgage

My mortgage was being serviced by XXXX XXXX  XXXX in XXXX. I asked and received Forbearance with them. Then on XXXX XXXX, XXXX, my mortgage was taken over by Select Portfolio Servicing. I spoke with my Relationship, Manager  XXXX XXXX and I told her about my Forbearance. XXXX XXXX said that forbearance information had not been received Yet. Two months ago I called SPS to say I was ready to end the forbearance and restart payments. I missed the XXXX XXXX payment. This is when I was told that my account had been sent to their legal dept. to start the foreclosure. I never received anything from them stating they were not honoring my previous agreement with XXXX. I asked for the letters she said were sent to me. XXXX. XXXX has not sent any copies of any letters. She says I owe XXXX in payments and XXXX in escrow. 
How is this possible? Why wasn't I told SPS did not have to honor the CARES ACT?
Product: Credit reporting or other personal consumer reports

I am writing to formally request a detailed procedure of investigation from each of the major credit reporting agenciesEquifax, XXXX, and XXXXregarding their handling of my disputes concerning several inaccuracies on my credit report, as mandated by 15 U.S. Code 1681d of the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting or other personal consumer reports

Try to dispute mostly everything in it still on my credit
Product: Mortgage

On XX/XX/XXXX a mortgage agreement was made for {$190000.00} between myself and United Built Homes, L.L.C as both the lender and the seller of a home in XXXX XXXX, TX. In this agreement no prepayment penalty was disclosed. A simultaneous agreement was entered to build the aforementioned home that included the seller providing a proper survey and permitting according to local law and jurisdictions ( XXXX XXXX ). This loan agreement at 6.97 % is well above the current market interest rate. Beginning in early XX/XX/XXXX, I have been attempting to refinance the mortgage with United Built Homes L.L.C. I can not refinance my mortgage into a more suitable interest rate because United Built Homes L.L.C refuses to provide a proper survey and permitting ( that is owed to me according to my original agreement ) that will allow me obtain an address for the home and thus allow another lender to provide a mortgage. Not only is the home unlivable, but United Built refuses to allow me to refinance out of their mortgage. 

When raising my concern with the mortgage servicing department, the associate refused to escalate my situation to the Office of the President much less his manager and advised I must pay the mortgage and it's my responsibility to figure out a way to refinance ; before hanging up on me. I have also requested reimbursement for the interest expense that I have occurred due to the lenders mistakes and lack of response to fix the issue. This too was denied.
Product: Credit card or prepaid card

I received notification from the credit bureau that my old navy credit card account had been closed in XX/XX/XXXX. I later received a notice by mail that they were in fact transferring service from synchrony bank to XXXX and that it " would not affect my credit '' ( It did because it was inaccurately closed ). I received a new credit card agreement pending the credit card. The notice indicates I should have already received my new card in XXXX. I have tried calling to no avail as they are not able to identify the account due to it being closed inaccurately, only to be told that I can reapply! I as the consumer at no fault, should not be asked to reapply. I have been an existing account holder with excellent pay history since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/2021 I received an alert that XXXX XXXX placed an account on my credit report. Original creditor XXXX XXXX XXXX. I have no account or balance with the orginal creditor. Nor have I heard from XXXX XXXX. I havent received a demand letter or anything. This is not my account. Its either a mistake or these charges are fraudulent. I want this removed from my credit report immediately. Ive tried to dispute online with XXXX today, but I keep getting an error message. This is such an inconvenience. Also I tried calling XXXX and it doesnt give an option to speak with a live representative. I should be able to dispute something on my credit report without going through a 3rd party.
Product: Credit card or prepaid card

I paid off my last statement in full. But they are telling me that they can charge interest even though I have a XXXX  balance. I know this is illegal and I have no intention of paying interest every month on a XXXX  balance.
Product: Debt collection

This collection was added to my bureaus without any notice or attempts to verify. Secondly I have no knowledge of such creditor. Never signed any agreement to pay this company.
Product: Debt collection

I received an email on XX/XX/XXXX, at XXXXXXXX XXXX from XXXX XXXX, notifying me that they spotted some breaches for me. On XX/XX/XXXX, at XXXXXXXX XXXX, I opened this email, looked at my account, and found these two breaches : XXXX breach Reported in XX/XX/XXXX XXXXWe don't know the name of this breach Reported in XX/XX/XXXX I was able to look at my credit score on XXXX XXXX and saw that I had six collections in my name. The only loan I have is my student loan, which has been paid every month. I believe my identity was stolen during those two breaches. Here are the steps that I have taken already : Completion on XX/XX/XXXX : -Submitted a report on IdentityTheft.gov -Reported this to my bank -Froze credit with XXXX, XXXX XXXX and XXXX -Filed a police report -Filed a report with www.ic3.gov Completion on XX/XX/XXXX : -Called XXXX, and they informed me to dispute on all three credit bureaus -Contacted Debt XXXX : {$12000.00} XXXX XXXX XXXX Spoke with XXXX to dispute this . She is sending me documents of what I need to inform them of. 
NOTE : The person knew my date of birth and SSN {$10000.00} PROFESSIONAL DEBT MEDIATION Called and left a voicemail. They did not answer. 

{$370.00} / {$200.00} XXXX XXXX XXXX Called and left a voicemail. They did not answer. 

{$190.00} XXXX XXXX XXXX XXXX Called and spoke with a rude representative. They said they will put in a report that I want to dispute this. 
NOTE : The person knew my date of birth and SSN {$100.00} XXXX XXXX XXXX XXXX Called and left a voicemail. They did not answer. 
I made a report with the Federal Trade Commission and was referred to the CFPB ( Consumer Financial Protection Bureau ).
Product: Credit card

XXXX XXXX  has an account under my email address which they are denying exists and are refusing to allow me to access. I did not make this account and I didn't not apply or get a store credit card from XXXX XXXX. 

I called them for over XXXX and it was denied any account was under my name and I provided my ssn. I have sent written complaint and enqury letters.
Product: Mortgage

I have had my mortgage with Citizens One Bank since XXXX. My XXXX XXXX payment was made through XXXX Bank online bill pay before the end of the month. But due to the holiday, the payment apparently did n't go through until XXXX XXXX. According to XXXX XXXX, this caused my credit score, which was reaching the high XXXX range, to drop significantly. I am asking that Citizens One will remove this as showing 30 days late due to the circumstances. I talked to XXXX of their customer service reps and he said this is prone to happen when you go through a 3rd party bank. To avoid this issue moving forward, I agreed to have my payment automatically drafted through Citizens One and the customer service rep is sending me the forms. My hope is to restore my credit score to the previous high ranking.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX # : XXXX XXXX XXXX XXXXt # : XXXX XXXX XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer 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 need want to opt out of and freeze the reporting companies ( lexis nexus and XXXX XXXX ) Ive been contacting them for more than 2 years and they are giving the run around.
Product: Credit reporting or other personal consumer reports

These accounts & inquiries are incorrect since i do not recognize them, please investigate them and delete them : Accounts : XXXX XXXX Account number : XXXX Balance : {$590.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX 
Account number : XXXX Balance : {$600.00} Date opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Account number : XXXX Balance : {$230.00} Date opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Account number : XXXX XXXX : {$21.00} Date opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Account number : XXXX Balance : {$120.00} Date opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Account number : XXXX Balance : {$580.00} Date opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Account number : XXXX Balance : {$370.00} Date opened : XX/XX/XXXX XXXXXXXX XXXX XXXX  Account : XXXX Balance : {$950.00} Date opened : XX/XX/XXXX XXXX XXXX Account number : XXXX Balance : {$1600.00} Date opened : XX/XX/XXXX XXXX  Date opened : XX/XX/XXXX XXXX Date opened : XX/XX/XXXX TransUnion XXXX Account number : XXXX Balance : {$3800.00} Date Opened : XX/XX/XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Date Opened : XX/XX/XXXX Transunion COLLECTION ( Original Creditor : XXXX ) Account number : XXXX Balance : {$950.00} Date opened : XX/XX/XXXX COLLECTION ( Original Creditor : Collection ) Account number : XXXX Balance : {$600.00} Date opened : XX/XX/XXXX Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My name is XXXX XXXX date of birth XXXX/XXXX/XXXX last four of my social are XXXX. I got a letter from a company regarding a debt owed for XXXX. I mailed out a letter to this company on XXXX/XXXX/XXXX requesting verification and validation of debt and to this day this company has not responded. I also informed this company I was disputing this debt and yet it had not reflected as such on my credit report. I sent this letter certified mail return receipt request and it was received on XXXX/XXXX/XXXX. This is direct violation of the FCRA and the FDCPA section 809 a and b. I will be seeking legal counsel to protect my rights and seek actual and statutory damages against you and your client. My credit rating dropped 70 points which has caused me XXXX XXXX XXXX. This could have been avoided if you would have followed the laws and not violated my rights. I am demanding proof this debt is mine. Something with my signature agreeing to pay this debt. I also want an itemized listing of what these charges are for. You are also an out of state collection agency and you must be bonded to collect in my state. I will be following up to ensure your surety bond is up to date.
Product: Vehicle loan or lease

I have contacted Toyota financial services about removing extended warranty on my new car loan. They ask that I sent a letter to remove the items, I did and called back a month later and they said they never received it. I then asked if I could fax the letter and I did they agreed they would remove it from loan within 5 days. It has now been another 2 weeks and the amount has not been removed from my loan. They are attempt to stall to get to 90 days and I am fed up. Each call was 1 to 3 hours on the phone.
Product: Credit reporting or other personal consumer reports

XXXX XXXX transferred/sold my original debt to XXXX XXXX XXXX a collection agency, in XXXX of XXXX. Even though XXXX XXXX  gave this debt to XXXX XXXX, they continued to report negative information on my credit report to all three credit bureaus, so this account was being reported twice from XXXX until XXXX when it was settled with XXXX XXXX. I disputed this with XXXX, TransUnion, and XXXX and all three bureaus stated it came back as a valid account, even though there is proof that XXXX Sold this debt. After I negotiated a pay to delete with XXXX XXXX, XXXX was and is still reporting this account. After XXXX sold my debt to XXXX XXXX, even though by law, they should have stopped reporting it on my credit report once it was sold. They were and still are reporting the account. This is directly affecting my reports in a negative way. I demand TransUnion, XXXX, and XXXX delete this account immediately, because reporting on a debt they legally have not owned for three years, is against the fair credit reporting act which governs accurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my XXXX XXXX  account in full it was a balance of XXXX, it was charged off but I paid it in full and I have had it investigated twice I even sent the letterhead that XXXX provided, to show that it has been paid and it is still showing as a negative unpaid item on my credit report therefore lowering my credit score and I am purchasing a house in the next couple months so I need this item removed or corrected. Its still showing on my XXXX and XXXX Report.I can't get it corrected.
Product: Mortgage

Our loan was sold, to a company with very poor reviews. We had never had an issue with our prior company, since the loan was sold they have failed to run payments, cashed cashiers checks for payments yet failed to credit them. We sent a XXXX cashiers check that was cashed XX/XX/XXXX. We sent another XXXX cashiers check that was cashed on XX/XX/XXXX and another XXXX on XX/XX/XXXX that I have verified was cashed but am waiting on the confirmation of the date cashed, believe it was the XX/XX/XXXX. That's XXXX we have received no credit for. Shellpoint says last payment was XX/XX/XXXX. They have made it impossible to refinance to get away from them by reporting us late since XX/XX/XXXX. Shellpoint claims we have an outstanding balance of XXXX yet we have sent XXXX in cashiers checks that have been verified from our credit union as being cashed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello : Here is a concise summary of what has occurred. FromXX/XX/XXXX toXX/XX/XXXX I took out three student loans ( XXXX, XXXX and XXXX ) in the amount of {$25000.00}. In XX/XX/XXXX they were consolidated into one XXXX XXXX loan. In XXXX of XXXX I was diagnosed with XXXX. My doctor suggested that I get my personal matters in order as I would not be alive much longer. I had approximately {$20000.00} in personal debt and my student loans. So as to not leave my parents with this debt I declared personal bankruptcy. I was told by the judge that I could not include my student loans in a personal bankruptcy and would need to work something out with XXXX XXXX. After a number of conversations and completing an application including my Doctor 's signature and diagnosis, I was given a complete and total deferment of my student loans due to a permanent XXXX. I was grateful for this option. Almost 20 years later I began to receive collection notices about these student loans from various collection agencies. They were super aggressive and unforgiving. Unfortunately, I did not save any paperwork regarding these loans and their deferment. In fact, I did not keep any personal effects after my diagnosis. I was not planning on needing anything as I was given just months to live. I contested these loan collection efforts as these loans were Permanently Deferred in XXXX. My credit report suddenly had negative remarks and I am now limited financially. Loan Summary : 1 ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, {$14000.00} disbursed XXXX & XXXX 2 ) XXXX XXXX XXXX, XXXX, {$8200.00} disbursed XXXX & XXXX & XXXX 3 ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, {$2500.00} disbursed at various times. On XX/XX/XXXX I completed an application to consolidate these loans under XXXX XXXX. Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed some inquiries that do not belong to me. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I began an application for refinancing on my current mortgage on XX/XX/2020 with LOAN DEPOT, LLC. As of today, XX/XX/2020 the refinance has not happened. There have been several delays to the process, of which I was not informed ( apparently, some time in XXXX the application was suspended, but I only found out about in XXXX ). My loan officer has not kept me abreast of the situation. One of the delays was due to a loan processor contacting HUD to get information on subordination, related to a grant, rather than contacting the local jurisdiction that issued the grant. I only learned of this after making several calls to the company and then requesting to speak to the supervisor. On average it has taken one week to get a response from the company, if I get a response at all, which has also contributed to the delays.

Based on my call with the loan processor today, closing could happen at the end of this week, but I have yet to receive closing disclosures. I emailed them two weeks ago requesting an updated disclosure and as of today, I have not received them. After several calls to the complaint department and spoke to a manager, he discussed apply a credit. Now when I call him to discuss the credit, he does not return my phone calls.
Product: Bank account or service

XXXX. This complaint represents a new complaint against US Bank. This focuses on the XXXX XXXX District Manager of US Bank, XXXX XXXX, for actions that seek to discriminate against me as a XXXX person. 

A prior complaint was filed XXXX XXXX XXXX against the XXXX Branch of US bank for refusal to accommodate my XXXX when XXXX tellers refused to help me complete a deposit slip despite my pleading with them for help and their mocking, shaming, belittling and embarrassing me ( teller even mocked me saying " oh I have pain toooooo '' ) in front of bank staff and patrons. After a phone conversation the next day with the branch manager, the situation was turned over to XXXX XXXX to handle. 

2. This complaint arises from a separate incident on or around XXXX XXXX XXXX in which XXXX XXXX states he has no plan to take any disciplinary action against either teller or the branch manager for their refusal to accommodate my XXXX, rather his plan is to " move forward '' to which he explains that he wants me to return to patronizing the bank by asking for either the same teller name XXXX or for the branch manager to wait on me. He also verbally refused to take any of my solutions into consideration including a simple apology from the tellers. When I told him that it is traumatic, inconvenient and discriminating for me to have to deal with the same people and to have only them wait on me, he said that I need to move forward and try to work with the situation. When I asked him if he did any XXXX training with any of the staff or if he planned to, he said it was not necessary. He refused to listen to me further and said he needed to go. I told him I was not happy with this as a solution - however in the prior complaint he falsely claimed that I was ok with what he proposed. I am NOT ok with him continuing a new discrimination against me and having me being treated differently than other customers going into the bank.
Product: Bank account or service

I had a merchant account with Wells Fargo. My account was closed and I was told the funds would have to sit in the account for six months before my money would be released. I waited six months and Wells Fargo is still holding my money, everytime I call they say I have to speak to someone name XXXX but he does n't return my calls.