23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/XXXX I applied for forbearance since my husband left me and I was not working at the time, loan care granted me 6 months. I also then started applying for a loan modification and have since gotten them docs requested and in a timely manner and the same docs so many repeated times.fast fwd to now XX/XX/XXXX and they have denied me a few times stating that my docs would expire and they have never sent me to and under writer because of this, I feel they are trying to get me to lose my house. I have every spoke to external emplyess that say they show they have all docs requested yet loan care still asks for my divorce decree and child support docs over and over along with other docs that never expire. My spoc. Is never reachable, never emails me back I have escalated this to a few different supervisors and no one ever calls me back. This company has been the worst mortgage services I have ever dealt with XXXX owning my home. This has been such a huge weight on my shoulders and seems no fixing in sight since they can just keep changing the rules of the game when I have complied with all they have asked and plenty more. Why is this so very difficult when I have tons of stress going on in life any ways and fear losing my home for me and my XXXX kids this frustrates me to no end and Im feeling hopeless.
Product: Mortgage

XX/XX/XXXX, my then wife and myself purchased our home. At the time, mortgage companies were mostly approving " interest-only '' mortgages. XX/XX/XXXX, my wife died from XXXX XXXX. I continued paying the mortgage until XX/XX/XXXX. I received a notice from the mortgage company that the " interest-only '' period ended and my mortgage would be doubled to include payment on the principal. My employer suddenly closed down. I applied for social security benefits from my deceased spouse. While everything was being processed, I contacted mortgage company and asked for a forbearance, I just needed a few months not to pay mortgage.I wanted the term extended to back end of mortgage term. I was ready to pay the new amount after the few month period. I was denied over and over again by the mortgage company. In addition, the mortgage company kept changing contact representatives. They also kept losing paperwork that I submitted per their request. On XX/XX/XXXX, I received a denial letter for my loan modification. Their treatment in my opinion has been unfair, unjust and illegal. I think that the original loan was PREDATORY. I am in the process of appealing the modification denial.
Product: Debt collection

On XX/XX/ I requested that Southwest credit systems delete unverified and inaccurate information from my credit report. I sent Southwest Credit Systems a letter demanding validation of debt. It has been well over 30 days and Southwest Credit Systems has not provided the requested documentation. I am now entitled to presume Southwest Credit Systems placed this on my credit report in error and that this matter is permanently closed. Attached Documentation : Letter to Southwest Credit Systems and identification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempt to submit a dispute advising account does not belong to me to and account came back as accurate. Not sure what type of investigating they say were complete but im sure it was not done accurately. Actually alot of these disputes are not even investigated!
Product: Credit reporting, credit repair services, or other personal consumer reports

DITECH IS FAILING TO REPORT TO CREDIT REPORTS FAIRLY AND OUTSIDE THE GUIDELINES. THE STATUS SHOULD BE REPORTING JUST LIKE XXXX SEE ATTCHED REPORTS. 

PAID IN FULL, CLOSED AND TRANSFERRED LASTLY DITECH AND ALL TRADELINE ARE FAILING TO REPORT TO XXXX
Product: Mortgage

I made contact with US Bank to seek a refinance mortgage on my house. I chose not to have an escrow which the bank agreed to charging me {$260.00} for the privilege not to have an escrow. Throughout the process I was never asked to have an escrow. It came up a few days in front of closing that I was required to have an escrow for flood insurance. Rather than delay closing I agreed to close on the loan and would ask for the {$260.00} paid for not having an escrow back. 

The first reply I got from the bank stated that payment for flood insurance had to be escrowed. The completely ignored my letter requesting a refund. The second reply I got stated the full fee of .25 % was charged which I knew. Then they said if the hazard insurance was waived then the fee would have been .125 %. Who would only escrow taxes but not insurance and this is totally inapplicable to my situation. Then when I again asked for a refund of the non-escrow waiver charge they re-mailed their letter to me. Their XXXX XXXX letter lied to me about it being a partial waiver charge. 

I contacted them by phone and told them that I intended to file a complaint about the non-escrow fee that was charged when in fact I do have an escrow. I feel very strongly that the bank came up with this partial waiver stuff when they had no way around the fact that they are charging me a non-escrow fee and escrowing me at the same time. The bank also made me sign a statement that said if they made a mistake they have a right to fix it and I have to allow them to do so. I also should have the same ability. 

The bank also pushed the closing into the beginning of the next month costing me a full months interest on the FHA loan with XXXX XXXX. I wanted to postpone closing till the end of the month but the bank said that all bets are off on the interest rate I had on the new loan. The broker also convinced me that I was not paying double interest by presenting me with false facts. Later I figured out what he said was a lie. 

I have included my letter to the bank and the letter I received. I am requesting you assistance in recovering the non-escrow fee of {$260.00} since I do have an escrow.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equafax has inaccurate account information that doesn't belong to me, and addresses, and phone numbers??

Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy showing on credit report that does not belong to me. This was reported several times to Equifax and XXXX, XXXX This account does not belong to me
Product: Checking or savings account

I need to File a complaint on Wells Fargo On Sunday Night XX/XX/XXXX at a XXXX  gas station with My visa Debt card the Transaction was approved So today I received a email from wells fargo saying that I have a {$35.00} Overdraft fee. I feel that Wells fargo is completely wrong for doing this The funds were in my account during the transaction But they wanted a few days to charge me. I spoke with the rep at wells fargo she claims that it's is up to the merchant to collect the payment that is complete XXXX on behalf of wells fargo. they took the money out of my account at the time of the transaction because it was approved Wells fargo I want you to remove that XXXX over draft fee asap ... this is a complete rip off of your bank!
Product: Credit reporting or other personal consumer reports

I do not recognize these accounts and I have no previous knowledge of it. I demand proof and validation debt is mine. If not validated, delete immediately. Collection is in violation of the 15 USC Code 1681b
Product: Credit reporting or other personal consumer reports

Its information is inaccurate and the account was closed illegally
Product: Debt collection

On XXXX XXXX between XXXX XXXX  and XXXX XXXX  this number called me 6 times. No message left. I owe. I debt, everything is paid on time but yet they will not stop calling me. I finally had to put them on block through my cell phone
Product: Credit card or prepaid card

Soon after getting the card, I lost my job. So i did indeed miss payments as well as had a returned payment but I called and notified the company at all times and even when each payment was due, they said it would be ok as long as I make a payment as soon as possible ... which I did. Ever since I gained employment again I have been making payments on time as well as paying well above the minimum payment ( to avoid the card being closed as I am trying to fix my credit ). I called XX/XX/2019 at XXXX and spoke with XXXX from South Dakota ( she was not willing to give me any other information ). She was rude and condescending.. had me on hold for 30 mins and came back to the line and said I would have to call back tomorrow. I called back XX/XX/2019 and spoke with XXXX in KY from team 5 ( she would not give anymore information ) and my account was closed and she said there was nothing she could do! Apparently this company is in the business of taking peoples money and then closing their accounts! Ive never heard of such a thing. Especially for a customer that is trying to do the right thing. I feel as if I am being punished for trying to be a good customer, which is unacceptable. If they were going to close the account, they should have did it when I was MISSING my payments, not MAKING THEM! On XX/XX/2019 two payments were taken out of my account, one for {$150.00} and one for {$250.00}. Not only did they not make the funds available but they then proceeded to close the account, which is mind baffling to me. When I called to ask for explanations I just kept getting transferred finally for someone to claim there was nothing they can do. I WILL NOT RECOMMEND THIS COMPANY TO ANYBODY AND I WILL BE FILING A COMPLAINT WITH THE XXXX XXXX XXXX!
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX XXXX XXXX  Balance : {$0.00}.
Product: Credit card

I am writing to formally report identity theft and request the immediate removal of three fraudulent credit accounts that have been opened in my name without my authorization. These accounts include : XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  I do not recognize any of these accounts, nor did I authorize or apply for credit with these institutions. I believe that my personal information has been compromised, and these accounts have been opened as a result of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. The FCRA ( 15 U.S.C. 1681c-2 ) specifically mandates that consumer reporting agencies must block fraudulent information from the credit report if it is the result of identity theft. Therefore, I request that these accounts be removed or blocked from my credit report to ensure it accurately reflects my credit history. 

The fraudulent accounts are negatively impacting my credit score and financial standing, and I would appreciate your prompt attention to this matter. Please provide me with confirmation that these accounts have been removed or corrected. 

Thank you for your prompt assistance in resolving this issue.
Product: Credit card or prepaid card

On XX/XX/2020, my wife, XXXX, used our Citibank credit card, which we are both account holders of, to book a vacation rental for a home in XXXX XXXX, NC through XXXX XXXX XXXX XXXX ( XXXX ) for JXX/XX/2020. That charge for the stay, including taxes was {$4300.00}. There was an additional deposit of {$250.00}. These were to two ( 2 ) authorized charges for our stay and booking. That same day, we noticed that these two ( 2 ) charges were each posted twice to our Citibank account, a minute apart. We immediately contacted Citibank who informed us they were not " holds '' but actual charges. Citibank marked the double charges as disputed and said that they would look into the matter. We also contacted XXXX, which is owned by XXXX, and advised them about the double charges. After repeated telephone calls, the dispute was still not settled and neither company could provided us with a straight answer. During the week of our stay at the beach rental, the owner came to see us and told us that XXXXXXXX  had contacted him and said that he would not be getting paid pending an investigation into us being double charged. It was rather embarrassing. We immediately contacted XXXX, who would only advised that their billing department, who does not speak with consumers over the telephone, was investigating the matter. Citibank, after repeated telephone calls throughout that week, eventually told me that it was obvious that there we were double charged. The customer service representative also stated that we should no longer contact XXXX/XXXX and instead allow Citibank to handle the dispute within seven to ten business days. On XX/XX/2020, Citibank informed us electronically that they had completed their investigation into the disputed double charge of {$4300.00} and {$250.00} was closed and that they had sided with the merchant. This means that the inerrant double charges of {$4300.00} and {$250.00} will be no longer marked as disputed, but posted to our account and left or us to pay. This week, I contacted the NC Attorney General 's Office and included statements and emails from both companies. The NCAG 's Office, agreed that we were double charged, but referred me here since Citibank is a national bank. At this point, we have done all we can do as consumers. We have spend multiple hours on the phone with these two companies. I will attached some emails and statements. Please note that the included statement for Citibank may not include the newly posted, once marked as disputed charges of {$4300.00} and {$250.00}. Our next statement closes on XX/XX/XXXX, which is when the double charges will be officially be posted. It is my hope that someone here can help us in this matter, since our own bank won't.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint to EXPERIAN regarding the reported data on my credit file that is not certifiably compliant and proven valid and/or not documented as fully true and physically verified. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX, PA XXXX. My date of birth is XXXX, and the last 4 digits of my social security number are XXXX. The FTC report numbers associated with this complaint are XXXX and XXXX have identified likely mendacious and certainly unproven complaint-reported inquiries and accounts on my credit file that has no permissible or authorization made by my person of free will. As a consumer, I am within my federal and state consumer and/or civil rights to demand and/or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151 that unambiguously obliges a recounted of the modus. This is a formal dispute of information and reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed XXXX XXXX XXXX account on my Equifax credit report on XX/XX/2018. Equifax removed the account and then put it back on my credit report. They did not send me any notification of the reinsertion.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Mortgage

In a letter written on XXXX XXXX, 2012, I requested that Real Time Resolutions, Inc. inform me of the name, address and phone number of the owner of my loan as they are legally obligated to do. I also demanded to to see the original mortgage note proving ownership over my home equity loan additionally, I asked for Real Time to provide me with evidence of your firm being contractually retained to service my loan. I made several attempts to obtain the information that I requested and Real Time refused to respond to my requests in an affirmative manner within 10 days as required by Section 1463 ( a ) of the Dodd-Frank Financial Reform Act. 

Furthermore, in violation of RESPA, Real Time has continued to report negative credit information to the credit bureaus during this period of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I contacted Transunion and spoken to Supervisors XXXX to dispute credit inquires that was not authorized by me. I was advised that on XXXX can be removed. On XXXX XXXX, 2017 I mailed a dispute letter to have inquires removed. I received a letter back stating the inquires would remain on my report for 2 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section XXXX ( a ), states that a failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report its been over XXXX  days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I file a dispute with Experian regarding the account I have with XXXX XXXX XXXX. That account was paid in full as of XX/XX/2019. Experian sent me a letter stating that XXXX XXXX XXXX verified that I still have a remaining balance. Which is incorrect because I paid that account in full. Please see the below attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is showing inaccurate reporting information on my credit report. they state that iam 60 days and or 2 payments late in my three credit reports, XXXX Transunion and XXXX accounts. This is incorrect. I have spoken to a representative XXXX XXXX who has stated that this issue was going to investigated and resolved. However The credit bureaus are reporting inaccurate information. My payments where kept in a suspense account and and not applied to my Morgage payment which is not correct and illegal. Secondly I had covid and was off of work and asked several times for help with this matter and no agents or supervisors helped me come with resolution. Third issue I inquired to get assistance with this matter and was told because I sent any email to the XXXX XXXX XXXX XXXX XXXX email the representatives on the phone could not assist me. L if the payments were delayed why wasn't i offered a Covid program to help me or why wasn't I called to warn me about these lateness. I want these questions answered XXXX XXXX bank failed me and caused me Financial Hard ship and Pain and each agent and representative should be held accountable, with these inaccurate actions. when you are reading this " Place yourself in my shoes ''.
Product: Consumer Loan

Sale of vehicle repossessed never documented with transfer of ownership to relieve debt of monies owed affecting credit bureau information and negative credit worthiness. 

Ally failed to update consumer information after numerous requests to update sale of vehicle and update consumer file on accounts ( Joint ) creating negative information in credit bureaus affecting credit worthiness. 

XXXX XXXX Vin number XXXX ownership change never reflectedXX/XX/XXXX ownership change. Title XXXX. XXXX/XXXX/XXXX vehicle was in excellent condition in XXXX, hence the vehicle still being driven nine years later. 
Ally never updated their records when the vehicle was repossessed and then resold to reflect monies paid from sale of the vehicle. 

Numerous complaints are on the Internet of how Ally failed to account for sale of vehicles on accounts for many individuals affecting credit worthiness and collection amounts placed in credit bureaus without resolve. Nor do they respond to complaints or itemize charges for outstanding monies owed in the amount of {$3600.00} or show transfer of vehicles updated in real time when they occur. 

Ally provides one letter with total amount owed without explanation of charges or updates sale of vehicle ownership information leaving the financial burden on individuals affected by their lack of follow through or accounting of records on consumers.
Product: Debt collection

I sent Diversified Adjustments a certified letter asking them to very the debt that owed. The agency sent a photo copy of the two years agreement that was not valid. The term was over and paid in full. Letter was mailed out to the agency asking them to validate the signature and the correct amount. The agency was ask to verify how they are validating the information and give the name and number of who validate the information is correct and valid. They did not response to the certified letter. I keep receiving harassing phone calls from them saying that the debt is valid. Without correct info how can the debt be valid with no account number. XXXX was the company that sold the account to two different collection agency. I sent both copies to the collection agency stating that the debt is not valid. 


Thank you XXXX XXXX
Product: Debt collection

PLEASE HELP ME. EVERY DAY UPON SEEING THESE FRAUDULENT ACCOUNTS IT MAKES ME XXXX  I WANT THESE TO BE PERMANENTLY REMOVED OFF MY CREDIT REPORT.
Product: Debt collection

The company is XXXX. I paid {$500.00} dollars and I just wanted my refund. They stole the money, I had insurance for the medical bill. The number is inactive now.