23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Faye Servicing sent me a " right to cure '' notice regarding my home mortgage. Within 15 days, I got a statement from them, increasing the balance due by over {$1000.00}. As I am in a chapter XXXX bankruptcy ( they got the stay lifted because my attorney failed to respond ), they continually refuse to speak to me on any level to try and resolve this situation or find a solution. 

I have made over 10 calls to them today alone, and 5 yesterday, spending over 4 hours on hold, and can not get any direction or support or assistance. My attorney was in email correspondence with their attorney, and a lady who identified herself as a Vice President for their company ( XXXX XXXX ). He specifically told both of them in writing that they had permission to speak with me, Faye Servicing simply keeps stallling, and putting me off no matter how much I try to find a solution. I have over 85 % of the funds to bring my mortgage current, and will have the remainder within 20 days, but Faye just keeps sidestepping any and all efforts I make, I have to believe that thier ultimate goal is NOT reslving my issue, but in trying the get to take my property, and the approximate {$120000.00} of equity it holds. PLEASE HELP!!!!
Product: Checking or savings account

I am writing to formally submit a complaint against Navy Federal Credit Union regarding the imposition of multiple overdraft fees, which I believe are unjustified. Despite having sufficient funds at the time of transaction authorization, I incurred fees due to the delayed posting of charges and credits. This issue is consistent with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I request a thorough investigation into my account transactions to rectify this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to a security breach with Equifax my privacy information was used to place hard inquiries on my credit report. I asked Equifax to provide me with documents that I approved authorization. On XX/XX/2023 I spoke with XXXX of Equifax that refuse to remove hard inquiries on my credit report that I did not authorize. 15 USC code 1681 b states that credit needs to be adequate when reporting. I am asking that cfpb look in the wrong doing of Equifax. If Equifax can not provide me with a handwritten signature please inform them they must remove inadequate information.
Product: Credit card

I applied for a XXXX XXXX and requested for reevaluation. But the Bank declined based on many wrong reasons. 
1. They said the Wells Fargo Checking Account balance last year is low. I opened this account last XXXX and the balance should be low. Because if it's high when I opened the account, it will trigger their security process. And I did put some direct deposit into that account. I recently changed employment and I have given the account information to the HR for direct deposit but they haven't put it into the system.

2. They said the credit usage in other banks is high. I have paid the cards and raised my credit line by {$2500.00} in XXXX XXXX. As of now, my credit usage is less than XXXX  %.

3. They said the new credit cards opened in the last XXXX months are high. When I submitted the application, I only have XXXX credit cards, XXXX with XXXX opened in XXXX, and XXXX with XXXX XXXX  opened in XX/XX/XXXX, which is more than XXXX months ago. 
Please contact me. XXXX XXXX XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Home Mortgage has reported 4 late payments on my credit report to XXXX and XXXX. I have submitted a dispute to each of the credit bureau 's but the results came back the same. Wells Fargo refuses to remove the late payments despite proof of payment for 2 of the 4 months reported as late. 

In XX/XX/XXXX I entered a forbearance program with Wells Fargo. I was medically retired from XXXX XXXX and lost a substantial amount of income. I was to pay {$25.00} a month for 4 months ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). Once I completed the payment plan, I was told that a new payment would be calculated to address my arrears and future payments. This would be determined based on income and the options were between a repayment plan or loan modification. 

In XX/XX/XXXX, I was instructed to complete a mortgage assistance application which provided details about my income. It was determined that I would pay my arrears and future payments through a repayment plan of almost {$2500.00} a month. I expressed concern because at the time I was attending school full-time and paying for tuition out of pocket. I submitted an appeal and was told to provide a new application with my education expenses included in the budget worksheet. Once submitted, it was determined that a loan modification would better fit my situation. 

I was then told that effective XX/XX/XXXX, I was to begin making 4 trail mortgage payments of {$1300.00}. I completed the trial mortgage payments in XX/XX/XXXX and my official loan modification documents were signed in XX/XX/XXXX. During the time I was in underwriting ( XX/XX/XXXX -XX/XX/XXXX ) and while I began my trial mortgage payments ( XX/XX/XXXX - XX/XX/XXXX ) Wells Fargo reported my account late to the credit agencies. 

This has now prevented me from using my VA Home Loan benefit that I served nearly 15 years to earn. It has also prevented me from obtaining a home loan with other lenders and even Wells Fargo, which is a complete slap in the face. In XX/XX/XXXX I asked my loan preservation specialist about the next steps in making full mortgage payments but was told not to worry as it would be calculated when the time came. At no point was I advised that during the underwriting process and while making trial mortgage payments that my account would be reported late to the credit bureaus. If I had known, I would have never entered any agreement with Wells Fargo under their mortgage assistance program. 

I want this issue to be reconciled immediately so that I can obtain credit for a new home and so that other service members are not faced with the same situation. Wells Fargo is impacting a VA benefit that many work hard for and at a high price.
Product: Debt collection

I took out a loan with the original creditor-XXXX XXXX XXXX XXXX of XXXX to pay off some outstanding credit card bills along with a vehicle payment that was due and was going to be late. However, after I took the loan, I was in between jobs along with more piling debt, then I had multiple gaps of employment between XX/XX/XXXX to XX/XX/XXXX ( which put me in the most financially strapped position ) leaving me unemployed without benefits or financial assistance due to estrangement from family and friends. I was evicted from my home, I lost my vehicle, I am currently homeless along with penniless, I have tried to get a job in which I was not successful, I am living on the streets, shelters, and abandoned buildings. 

I have to turn tricks for food, shelter, showers and eat out of garbage cans, I have ASKED them for debt forgiveness along with the {$180.00} they took out of me after threatening to take me to court and XXXX XXXX a XXXX XXXX XXXX, XXXX XXXX attempted to help at first by giving me a break on some of the payments, however she VIOLATED FDCPA Laws by snooping into my finances calling a relative that I am estranged from who later threatened to kill me and her help was another ploy to get money out of me. 

XXXX XXXX XXXX also gave me the run around about who has my account, they sent the account to Structured Settlement in which they were working on behalf to collect the payments ( in which Structured Settlement BLANTALY LIED ABOUT ), Structured Settlement said they sold the account to XXXX XXXX XXXX in which XXXX XXXX stated was with XXXX XXXX XXXXXXXX XXXX which was ANOTHER XXXX XXXX XXXX IF I EVER HEARD XXXX! 

I asked for my money back and no one has responded to me and I DO NOT HAVE MONEY FOR A LAWYER nor will a pro-bono attorney take my case because I can not prove ANY income at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that Discover was listed on my credit report but I did not authorize them to pull my credit that I recall. So, in XX/XX/2022, I requested the application to be sent to me. 

On XX/XX/2022, Discover responded by saying that the inquiry was the result of a fraudulent application and that it would be removed at once. 

Under the ECOA 12 CFR 1002.12 ( b ), records must be maintained for at least 25 months from the date of inquiry and Discover either removed this record, or destroyed the application. 

I was denied the opportunity to take this matter beyond a simple request because I have no idea what this means. So I followed up with the CEO on XX/XX/2022 seeking relief and I have not received any response.
Product: Money transfer, virtual currency, or money service

I opened a Venmo account on the XXXX of XXXX bc a friend needed to pay me back for something I bought for him that he could not get to in time. I was approved to open the account a d even get one of their debit cards. There is now {$120.00} sitting in my account that is " frozen ''. I can not get anyone to tell me why or how to fix it. I have called every single day and get no where. I think venmo is a scam.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated XXXX XXXX XXXXXXXX Balance : {$1800.00} ; XXXX XXXX XXXX Balance : {$0.00}.
Product: Debt collection

Debt was paid in full. At XXXX point the pmts became deliquent all pmts from then on were paid in full in XX/XX/2011 per the the contract. American Finacial of XXXX DE placed a derogatory remark on my credit report stating the debt was charged off. It does show a XXXX balance
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXX XX/XX/year> I am reporting a fraudulent inquiries found in credit report
Product: Mortgage

We have a XXXX and XXXX mortgage with Ocwen. The ARM changed in XXXX. I c kept calling to find out the new rate, but was never told the amount would increase an additional {$410.00} which is an amount now applied to principal. My husband took a new job where we are paid on the XXXX. We have a SS check that hits on the XXXX of the month. 
I called Ocwen to have our second mortgage gate changed to the XXXX. of the month, but was told that, they could not change the due date of our XXXX mortgage ; I would have to get a new mortgage. 
Our XXXX mortgage has been late five months in a row. 
Late charges keep adding on. 
What recourse do I have? 
Ocwen refuses to help me by changing the due date to the XXXX on our XXXX mortgage, which is at almost 15 % interest rate and only {$22.00} is applied to principle. I got caught in the XXXX scam. Account # XXXX Please let me know if you can advise or help me. 
Many thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payments on the dates below : XXXX XXXX  - XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit card

I am a Chase Sapphire Preferred card holder. I had accumulated more than XXXX points over a year. Chase advertises ( goes to great lengths! ) that the points are worth XXXX if used to book travel using Chase XXXX. 

On XX/XX/2023, I tried booking flights from XXXX XXXX  XXXX using their website. However, it turns out you can not use the online booking capability if there's a XXXX  traveling. They ask you to book the tickets over the phone. I called them and was on the phone for OVER XXXX HOURS. At the very last step, the payment did not work ( which is hilarious in its own way - their own credit card did not work with their own travel system! ). Unfortunately, the travel agent tried to book the tickets several times. As a result, I had XXXX transactions on my credit card statement, each worth XXXX XXXXXXXX, which pushed the overall balance to above XXXX XXXXXXXX. 

I called the very same day and asked for refunds ( because no tickets were booked! ). I was told that I needed to wait for XXXX hours before they could initiate a refund. I called them on XX/XX/XXXX and enquired about the refunds. After spending XXXX minutes on the phone, I was told that the refunds were initiated on XX/XX/XXXX and that they'd take XXXX business days to complete. I explicitly stated that I was worried about my credit score being affected if the refunds were not issued before the next statement date. 

I called again on XX/XX/XXXX and received the exact same answer ( another XXXX business days for refunds to go through ). It's XX/XX/XXXX today, and I just got a flag from a credit score tracking company that my credit score has REDUCED BY XXXX POINTS (!!! ) - from XXXX to XXXX.
Product: Credit reporting or other personal consumer reports

I noticed unapproved hard pulls on my credit report that hurt my credit. Per 15 USC 16c-2, I request their correction.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern on XX/XX/2021 I provided EXPERIAN, XXXX XXXX with a letter that was sent certified asking them to correct my personal information to match my name and address listed on my goverment issued identification. There are still incorrect personal information being reported.
Product: Credit reporting or other personal consumer reports

A Notice and Demand For Unauthorized Inquiry on my Consumer Report was sent to the creditor via USPS XXXX Mail on XX/XX/2023. A copy of this letter and confirmation receipt is attached below. 

*USPS XXXX Mail : XXXX - Delivered XXXX This Creditor had no Permissible Purpose to obtain my consumer report information. 

This Creditor has not responded in return and it has been over 30 Days from the date of receipt of my Notice and Demand letter. 

Please Delete/ Remove this inquiry from my consumer reports as soon as possible. 

Thank You In Advance, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and address I do not recognize are continued here. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX Balance : {$1800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and XXXX has not corrected my Credit File to reflex what is actually been paid in full. 

XXXX XXXX and XXXX XXXX XXXX should show a XXXX Balanced Owed. My Credit Score has dropped from XXXX to XXXX due to this Misinformation from these three Credit Reporting Agencies. I want them to correct my Credit File so I can get Credit again. As of this date I have been Rejected for Credit Cards and.. 

Car Loans because of this Misinformation showing I owe on these two accounts that are Closed with a XXXX Balance Owed. 

Waiting for a Reply, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Removal of Fraudulent Accounts in XXXX Dear XXXX, XXXX, Experian I am writing to formally dispute several accounts appearing on my credit report, which are not accurate and are associated with ongoing litigation. These accounts are fraudulent and linked to a trust account, which is currently under legal dispute. These inaccuracies are damaging my credit profile and must be corrected immediately. 

Below are the accounts in question : XXXX XXXX Account Number : XXXX Charge-off amount : {$2800.00} Issue : Fraudulent account currently in litigation. 

XXXX Account Account XXXX : XXXX Amount : {$800.00} Issue : Fraudulent account currently in litigation. 

XXXX XXXX XXXX XXXX Account XXXX : XXXX Amount : {$27000.00} Issue : Fraudulent account currently in litigation. 

XXXX XXXXXXXX Account Number : XXXX Amount : {$640.00} Issue : Fraudulent account currently in litigation. 

These accounts are part of a legal bankruptcy proceeding, and their continued presence on my credit report is not only inaccurate but also a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I demand that these accounts be removed immediately to prevent further harm to my credit profile. 

Failure to remove these fraudulent accounts promptly may result in legal action against your bureau for willful non-compliance, including the pursuit of fines and penalties. I expect immediate correction and confirmation of these changes within the legally required time frame. 

Enclosed are supporting documents pertaining to the ongoing litigation. I trust that you will act promptly to rectify these errors and remove these accounts from my report without further delay. I have also included the fraud FTC report XXXX XXXXXXXX Thank you for your immediate attention to this matter. Please confirm receipt of this dispute and the actions taken to resolve it as soon as possible.
Product: Checking or savings account

This is with regard to multiple issues with DiscoverBank. After trying to obtain resolutions from customer service people at call centers approached a different way, letter to the CEO, reported bank to every federal agency out there, now this one. Was contacted by a XXXX XXXX, claiming to be Associate, Executive Advocacy, DiscoverBank, who told me to deal directly with her, she even gave me her direct phone number, informing me there were 8 people in this Executive Advocacy group. Since then, of course can not reach her at all, trying for a week, get message, we are closed, try next business day. Same message when trying to call customer service. WHAT! Have on going IC3s with the FBI, in DC as well as my home state, Connecticut. My banking is becoming ridiculous, opening accounts, closing accounts because of fraud, you name it. Had accounts with XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, to name a few. I have had various accounts my entire life with no issues to report, now, my banking has been an abomination.
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 
15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is illegally reporting an account on my credit report. I have disputed this account numerous of times and they are stil reporting it. Equifax will not verify this account. I do not recall this account as I have stated previously and they still will not remove it. They are the only credit bureau reporting this alleged account
Product: Mortgage

Summary I am paying PMI on my mortgage even though my LTV is less than 78 %. They keep telling me that they will mail me things that never show up in the mail that I can sign for a written request and that I can't get approved because it needs to be 75 % and 2 years.Homeowners protection act of 1998 states the actual laws on PMI cancellation which doesn't require you to wait 2 years and should automatically be dropped off when you reach 78 %. 

I have called over 5 times and get told over and over again that I need to wait two years and 75 %. It's impossible to get to people in charge and I'm stuck paying PMI in the meantime and I never actually get mailed anything. 

Attached is the timestamp when I crossed 78 %. The date is XX/XX/XXXX I put {$6200.00} down. 

Attached is the amount I currently owe which is {$130000.00} Math : XXXX/XXXX = 77.2
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax data breach where over 100 million Americans credit info was stolen. Also 3 Equifax managers sold their stock before announcing this information in a clearly illegal case of insider trading.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX. 
last 4 ssn XXXX address : XXXX XXXX XXXX XXXX XXXX, tx XXXX date of birth -XX/XX/XXXX I have dispute an inaccurate account on my credit report with XXXX  and Equifax. The account appears to be " OFFICE OF THE ATTY GENER ACCT # XXXX ''. I have been asking them for proof of verified and also advised them this is an inaccurate account and this account does not belong to me. FOR 5 months now the credit bureaus failed to send me proof and the courts has no record of me. This is inaccurate and this account needs to be removed. I will also file a civil complaint. The credit bureaus Equifax and XXXX failed to send me proof because they do not have it for over 180 days I been asking. This account is not my account. 
I am filing an complaint against Equifax and XXXX  because they failed to remove and inaccurate account " OFFICE OF THE ATTY GENER '' that is not my account nor can they verify because there is no record of me attached to this account. I WILL LIKE TO HANDLE IN A TIMELY MATTER PLEASE
Product: Credit reporting or other personal consumer reports

I am a victim of human trafficking of debt bondage and would like for all issued accounts to be blocked and deleted from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, credit collection. 
XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX
Product: Debt collection

Enhanced Recovery Company filed this on my credit report without sending me a letter or leaving any messages on my machine stating that they were going to do so. The debt of {$490.00} was already charged off by XXXX to my XXXX XXXX Credit Card on Wednesday XX/XX/2022. So I have no idea why Enhanced still put a collection on my record. I demand it be taken down now.
Product: Credit reporting or other personal consumer reports

I recently viewed my credit report and found inquiries that I did not authorized nor have awareness of. One of them is Ford Motor Credit Company XXXX XXXX XXXX XXXX XXXX. The Bureaus are violating my rights according to the FCRA Law by allowing other company have access to my file. Please help me have these inquiries deleted as soon as possible as this is hurting my credit score.