23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My husband and I took out some loans, with XXXX XXXX that changed to Wachovia that changed to Wells Fargo. The XXXX on XXXX/XXXX/XXXX making XXXX payments fixed rate 11.89 %, the XXXX on XXXX/XXXX/XXXX making XXXX payments fixed rate 11.74 % and third on XXXX/XXXX/XXXX making XXXX payments fixed rate at 8.46 %. All small loan amounts. 
When the last payment was made on the XXXX loan, we got a letter in the mail that said we needed to pay additional fees before they would send us the title. I questioned the reason and they would not give me any documents or what the fees where other than that if I did not pay the money, they would foreclose on the property. So I paid the fee. 
The XXXX loan payment will be paid off this month and I received a letter in XXXX saying that our load was maturing, but I noticed that the amount owed was too high for XXXX more payments. So since XXXX I have been requesting why so high and what are the additional fees of approximately {$2000.00} that is due on the loan as we have a fixed rate and not a balloon payment nor late since the bank has debit every payment out of our checking account. 
Now the XXXX loan, I have been going to the bank and calling since I found out in XXXX that some how the bank made an error and allowed some XXXX in Arizona to changed our loan instead of a different loan as someone got our accounts mixed up. I have been trying to get it refinanced through them to get it paid off quicker and get the interest rate lower to fix what ever was done to the loan as the amount of what is owed has not gone down hardly at all in over 15 years. 
I finally pulled out all my paperwork and found out that Wells Fargo has been handling my loan not with the fixed rate which is in all my documents but as a DSI loan. Daily Simple Interest which is compounded differently. I had to XXXX DSI and talk to a lawyer to find out what that did to my loan, which explains why they were charging additional fees and why my XXXX loan was not going down. I have repeatedly requested a copy of all my payments and documents on file of all XXXX loans, and they only have information since XXXX, and only received this week the payments for the XXXX loan. It also shows that when they started documenting in XXXX they showed additional miscellaneous charges of up to {$1000.00} at a time. I call every week XXXX to XXXX times a week and am getting the run around, with no XXXX able to tell me why I owe additional fees or why the payments is not going down, but staying the same. I know that if they did this to me on XXXX loans that there are most likely a lot more in the same situation. The bottom line is this is not just fraud, but since the companies main office I have to deal with is in Arizona and no one in the local office can help me as they have to call Arizona, it should be considered a federal crime of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX  XXXX XXXX # : XXXX credit card is lost/stolen.
Product: Debt collection

I requested Debt Validation, a Signed contract with my signature and that this alleged charged off account wasn't discharged with the IRS by the original creditor. Never received anything from them besides a 1 page billing statement, they never provided the debt validation as requested in the letter I sent to them and I notified them that they were in violation of Federal, State laws and my copyrighted property XXXX XXXX XXXX XXXX and any variation of it was copyrighted and provided them with a copy of it and that it is registered with the UCC on my UCC-1 Financial Statement. I've notified the IRS of this alleged account and report this collection agency and the original creditor since it was a charged off account that was written off on there tax return thereby making it illegal to sell an account that has already been reported as a lost to the IRS.
Product: Mortgage

We have been trying to complete a deed in lieu ( DIL ) with Wells Fargo Bank and just do n't seem able to conclude this. 

We tried to do a short sale with no luck and we 're finally able to get Wells to do a DIL with us. We signed the DIL agreement with Wells Fargo XX/XX/XXXX with an agreed vacate date of XXXX XXXX, XXXX. As part of the DIL with Wells Fargo they also agreed to settle a XXXX we had with XXXX and pay them ( XXXX ) {$12000.00} to settle. 

We vacated the house on XXXX XXXX, XXXX and did not sign the closing paperwork with Wells Fargo until XXXX XXXX, XXXX ; this is after Wells was a no show for the closing on XXXX XXXX. 

As of last week we have still not received final closing paperwork from Wells Fargo, the home is still in our name and the {$12000.00} payment to XXXX for settling the XXXX has not taken place. We also continued to pay the utilizes on the house until XXXX XXXX, XXXX at which time we stopped paying the gas, electric and water ; was not able to stop paying for trash service as the house is still in our name. 

We have representation from a local attorney and he is trying to get this resolved as well. 

Any help you can give us with this would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> consumer/Grantor entered into a credit sale with XXXX XXXX XXXX Under inherit rights as custodian, Trustee XXXX XXXX never provided a full disclosure statement for consumer of rights to Opt out of sharing personal and private information to third party entities. Also Trustee XXXX  XXXX never had authorization from Grantor i.e. a written statement of instructions consenting to the sharing of personal and private information to other third party entities. Consumer never knowingly, willingly or intentionally waived any reservation of rights. XXXX XXXX XXXX reported personal information to all 3 Credit reporting agencies without expressed or written consent from the consumer. Around XX/XX/XXXX the credit agencies preferably Experian were authorized to do a full verification of all accounts but not limited to XXXX XXXX and provide me with their verification process, where they got their information from as well as the necessary documentation proving that XXXX XXXX provided them with Proof that they provided me with a Full disclosure statement showing me my rights to Opt out of sharing my non public personal information, A letter with the consumers written consent bearing the signature of the consumer authorizing the sharing of personal and private information to other third party entities. The XXXX XXXX account also has been XXXX and Experian is still reporting this account and is also reporting this account as delinquent which is a violation of the FCRA. 15 USC 1692. XXXX XXXX and Experian have conspired against me in coercion to collect an alleged debt against the consumer per 18 USC 894. 15 USC 1681b ( 2 ) Clearly describes the meaningful use of consumer report. The contract between XXXX XXXX and consumer no longer exists because it has been XXXX. XXXX XXXX has failed to update this information with the necessary entities and thus is causing consumer harm to reputation and emotional destress. Without the consent of the consumer these actions constitute aggravated identity theft per 18 USC 1028A and violates 15 USC 1681c-1 and as a result of this I have the right to have this information blocked from the consumers credit report per 15 USC 1681c-2 .
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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. 

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

The XXXX XXXX XXXX XXXXXXXX XXXX credit card company made an agreement and accommodation on my account to waive two late payments for XX/XX/XXXX and XX/XX/XXXX and retract two associated late payment fee amounts of {$40.00} each relating to the two late payments in prior months during the time in which I was in good standing with a 0 balance on XX/XX/XXXX. They did agree to waive these missed payments in good faith due to the circumstances related to covid that caused me to get behind these two times, also considering my record of on time payments for the last 3 years with them. 

After reaching out to them and making them aware of The Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ), Pub. L. 116-136 ( CARES Act ) and how it addresses accommodations to consumers impacted by COVID-19. I disputed my credit report because they continued to report both months that they accommodated under the status " 1 : 30-59 Days Past Due ''. However section XXXX of the CARES Act, Pub. L. 116-136, states that such an accommodation includes, for example, agreements to defer one or more payments, make a partial payment, forbear any delinquent amounts, or modify a loan or contract should be reported as current according to the following : Section 4021 of the CARES Act amends the FCRA to address how furnishers report accounts subject to an accommodation if : ( 1 ) a furnisher makes an accommodation with respect to one or more payments on a credit obligation or account of a consumer, and ( 2 ) the consumer makes the payments or is not required to make one or more payments pursuant to the accommodation. If the credit obligation or account was current before the accommodation, during the accommodation the furnisher must continue to report the credit obligation or account as current. If during the accommodation the consumer brings the credit obligation or account current, the furnisher must report the credit obligation or account as current. 

The dispute on my credit report for the reporting status was not handled correctly with Transunion, XXXX, or XXXX and they each continue to report the accommodated months on my credit report for the months of XX/XX/XXXX and XX/XX/XXXX as 30 - 59 days Past due instead of current despite the CARE Act consumer reporting requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion Late Payment Removal XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Late Payments : XX/XX/2021 This item is inaccurate because the CARES Act provided protection to consumers who were affected during the COVID-19 pandemic. These late payments occurred during a forbearance period and according to this Act, you allowed me to temporarily pause my payments. 

I believe this adverse information has been incorrectly added on my credit report. 
Please remove the negative payment history from my credit report.
Product: Vehicle loan or lease

I'm going to do two things today 1 ) give you the first complaint number which conveniently for the lender falls in line with exactly what the are doing which is taking of the customer because the CFPB dropped the ball - left your rules open ended for all Closed loans and let Lenders dictate unfair terms to the very people your suppose to protect so here that is XXXX. 2 ) I did also file a complaint with another federal entity. 

At the end of the day Ally is banking literally on holding my money for 60 days, it matches your policy exactly. Ironic. 

Who knows I am suspecting interrupting a XXXX  dollar loop hole isn't popular. 

Lots of other people are hurting by your choice to just not complete your job. 

Anyway haven't heard a thing from Ally other than an updated lean statement, but yet my money sits in their accounts alomst a month already. Imagine how that money is being leveraged. 

Anyway I do suspect you are doing this job for the right reasons but when your first response is to put in the party who is taking advantage of the consumer- doesn't that just not seam right? 

Thanks for your time!
Product: Checking or savings account

Truist Bank - Business checking account More details can be provided upon request over a period of a month the bank allowed for my account to be overdrawn by well over {$800.00}. I did not know that my account was overdrawn because the receipts from the ATM machine did not have good ink so I could never see the negative sign in front of the numbers. 

I ask the bank why the allow my account to overdraft, I was told that my account allowed for overdraft. I never authorize for my account to have overdraft. This is a checking account and I use a debit card. 

The bank did not help with resolving the issues.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft.TRANSUNION has added accounts to my credit report without a permissible purpose and without conducting a proper investigation to ensure that the information they were receiving was in fact accurate. Their failure to follow the rules created for them by congress under the fair credit reporting act has ruined my reputation, cost me actual damages and financial hardship! This is unfair!!! TRANSUNION has failed to honor my right to privacy by allowing access to my credit report without a permissible purpose.
Product: Debt collection

I have disputed XXXX XXXX Medical Center so many times and I'm still not getting this matter resolved what the collection company called automated accounts. Back in XX/XX/2014 someone used my information and created {$2200.00} medical bill that I'm not aware of this charge which I did not authorize for this charge which I did not go to emergency in XXXX California because I was residing in XXXX XXXX California and basically trying to resolve the dispute fraudulent dispute with this company and I'm not getting no results removing this collection from my credit report someone use my information and cause a medical bill of {$2200.00} and I need this to be removed from my credit bureau which I have disputed fraudulent charge so many times and Im not getting no resul.
Product: Credit reporting or other personal consumer reports

After reviewing my Transunion credit report, I can see information on my credit report that were not authorized. I'm a victim of Identity theft and this information is not mine. The other Bureaus are not reporting this fraudulent information. Please see attachment below
Product: Mortgage

I have tried to sell my house know for 5 years and the deals all fall short a few days before closing when the title commitment is expected to be issued. XX/XX/XXXX XXXX claims to have paid off my original purchase mortgage XX/XX/XXXX and for some reason have no financial records to prove that they paid a dime for the mortgage. The mortgage is stamped cancelled with no indication of being satisfied. I have tried to get the release of lien and discharge so I can sell the house but XX/XX/XXXXXXXX doesn't have it. Taking into consideration that XX/XX/XXXX XXXX has no proof of paying off the mortgage it is very hard to believe that the " mortgage '' has been transferred time and time over again to a party that lays out over {$100000.00} and has absolutely no proof of payment to Hudson City Savings Bank. It is very hard to believe that any party would buy paper with no paper trail and pass it from one party to another on a regular basis. Take a look at the attachment that shows in book XXXX page 96 the lot and the block was changed. 
I not exactly certain where the fraud is but I am very sure that fraud has taken place. 


I need to get ALL the information for my Hudson City Savings Bank mortgage said to be issued on or around XX/XX/XXXX for XXXX XXXX XXXX for my XXXX XXXX XXXX XXXX, XXXX XXXX house. The mortgage origination number was XXXX the alleged mortgage number is XXXX I need to know if the mortgage was actually issued, recalled or foreclosed. 
I need to know if the mortgage was paid off and who paid the mortgage off and the ate it was paid off and the amount paid if any. 
I also need to know the current status and why there is no release of lien or discharge of mortgage and how to get such records if they exist. 

I would greatly appreciate your cooperation with this very serious matter.
Product: Credit reporting or other personal consumer reports

In 2023, I sold a property and promptly notified XXXX XXXX XXXX of the sale, explicitly informing them that the new owner would assume responsibility for the utility account. I communicated this on multiple occasions and received assurances from XXXX XXXX XXXX that I no longer needed to concern myself with the account, as the new owner would be billed accordingly. 

Despite these assurances, over a year after the property sale and without any communicationsuch as letters, phone calls, or billing statementsXXXX XXXX XXXX have sent these bills to collections companies who are now demanding payment for an accounts that I no longer own. 

XXXX such collections agency being The CBE Group Inc, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, IA, XXXX ; phone number XXXX demanding {$1100.00}. The second being the collections agency being XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, NC, XXXX, phone number XXXX, demanding {$800.00}. This account has been sent to collections without any prior outreach to me, resulting in a detrimental impact on my credit score at a crucial time when I am in the process of securing a home and mortgage rates. 

The actions of XXXX XXXX XXXXXXXX have caused significant harm to me and my family. We are now at risk of losing the home we have put an offer on and are in the final stages of closing. This situation has created substantial financial and emotional distress for us. 

I kindly request that XXXX XXXX XXXX immediately remove all derogatory notifications related to this account from my credit report and restore my credit report to its proper standing. This action is necessary to allow myself and my family to progress with our home purchase and mitigate the harm caused by this oversight.
Product: Debt collection

NATIONAL CREDIT AUDIT CORPORAT a collection of {$2900.00} on my account without contacting me. they claimed to send email to me and I did not receive any email. the collection amount and information reported on my credit report is inaccurate and it has affected my credit and ability to scale forward financially. 

I am requesting you to please compel NATIONAL CREDIT AUDIT CORPORAT to remove a collection of {$2900.00} from my account based on the following reasons : 1. I was not notified of this account before reporting it as as collection on my credit report.

2. I was not aware of this debt from any original creditor.

3. Every attempt to call them to settle this
has not been fruitful.

4. I was not giving the opportunity to dispute this debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FUTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my child in XXXX of 2021 and was taken off of my employment payroll accidentally and had to wait to receive my paid parental leave. I contacted Chase for both three of my credit cards because I would not be able to make payments on time. This was also during the time I got XXXX with my XXXX month old in XXXX of 2021 and the federal government mandated that credit companies offer covid relief for payment deferments. I was told many times by Chase not to worry ( even made payments as much as I could with my savings I had and receiving no income with a newborn and they refunded me/reversed the late fees ). In the months of XXXX, XXXX, XXXX, XXXX and XX/XX/2021 Chase discriminated against me for having a XXXX and XXXX  being unable to make on-time payments because my job was delayed in paying me and Chase charged me late fees in each of those months ( even when I made smaller payments with everything I had ) and also reported the late payments to my credit reports which caused me financial hardship. I have hard these cards for almost a decade and made XXXX late payments prior to this and its disgusting how I am being treated as a customer. I am trying to buy my childhood home now after my father passed away in XXXX of 2021 and the credit reporting from Chase discriminating against me is making my hardship worse and more difficult during this already difficult time by affecting my credit score and ability to purchase my childhood home through my fathers estate.
Product: Checking or savings account

Well when we opened the account my ex put a check in my account and since that day which was XXXX XXXX my account says that it 's going to be closed and it 's restricted now. I did n't give him permission to do anything to mine and our daughters account. So now their trying to close it.
Product: Debt collection

JEFFERSON CAPITAL SYSTEM with XXXX XXXX XXXXXXXX. JEFFERSON CAPITAL SYSTEM fraudulent optiain my information is their system and reporting fraudulent/ inaccurate information to the credit bureau which is causing me severe harm, 15 U.S. Code 1681q - Obtaining information under false pretenses. I never give JEFFERSON CAPITAL SYSTEM any permissible purpose to obtain my information without Consent. They obtain my information without my consent which is IDENTITY THEFT.
Product: Mortgage

My wife and I applied for lending with Hometown Lender XX/XX/2021. We were initially approved for XXXX. We begin to make offers on homes and asked if we could go higher than XXXX. We then begin to get pre-approval letters for as high as XXXX. We finally had a home under contract on XX/XX/2021. We were scheduled to close on XX/XX/2021. On XX/XX/2021, it was determined that we did not have the necessary DTI ratio or the cash to close. Instead of issuing us a loan denial the hometown instead " somehow.. Excluded '' our credit card from our DTI ratio and tried to force us to sign a seller 's concession. They lied to the state regulator about who asked for the seller 's concession and admitted that they knew this would cost us our XXXX. They recommended we get an attorney, which we did, and they never responded costing us more in attorney fees. After the complaint was file with the state regulators they shut down their entire practice in the state and still admitted no wrongdoing.