23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am the attorney for XXXX and XXXX. 
Ditech apparently is the servicer and/or mortgage owner of the mortgage against their house at XXXX, IL, XXXX. There was previously a foreclosure against my clients, Case No. XXXX in XXXX County, Illinois that was dismissed in XX/XX/XXXX. My clients filed a personal Chapter XXXX Bankruptcy, Case No. XXXX which was discharged in XX/XX/XXXX. In late XX/XX/XXXX, the mortgage lender, Ditech 's predecessor, entered into a Temporary Loan Modification pursuant to HAMP rules because their mortgage was backed by XXXX. To make a long story short, on XX/XX/XXXX, Ditech assumed responsibility for the mortgage loan, and sent my clients an offer loan modification by paying {$1300.00} a month at 2 percent interest, which they accepted by signing and notarizing the agreement with the required payment on the due date. Ditech and or any other lenders in interest gave up their right to seek foreclosure by accepting the payments and agreeing to dismiss the foreclosure lawsuit, XXXX. My clients gave up their right to pay nothing, as the debt had been discharged in a Chapter XXXX bankruptcy. There was a legally binding, contractual loan modification entered into between my clients and Ditech as of XX/XX/XXXX. Every month since XX/XX/XXXX ( and during the trial period from approximately XX/XX/XXXX through XX/XX/XXXX ), my clients paid the required amount under the contract by Ditech 's own records. Since XX/XX/XXXX, Ditech has sent my clients numerous letters saying that their loan is in default, and demand payments of large sums, demanding my clients sign a new loan modification with twice the interest, and/or threatening to foreclose and take their home away. But our screenshots of Ditech 's own records demonstrate they are not in default, and Ditech is in breach of the agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX to trade my current XXXX which Im leasing and wanted to purchase and was not approved. I again checked into my credit report and there are items on my credit that are not mine. I've reached out to the FTC and to my local police department and am doing this on my own, please have these items removed from my credit report XXXX XXXX, XXXX.XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX.
Product: Student loan

I have a student loan with Navient. I requested my accountt be placed in forebearence or deferment I forgot which XXXX. I always stay on top of my student loans as they always remind me when its going into repayment. Out of no where they placed this account with negative remarks on my credit after I just brought my credit score up. I immediately called them and informed them that this is their mistake and it should have been in non-repayment status. They agreed to fix it. they put it back in good standing but not after damage was done. They are still on my credit with negative remarks and I want to know what can be done because this was not my error and I worked all year round to fix my credit for their " error '' to knock it down over XXXX points ''. Something needs to be done please help.
Product: Credit reporting or other personal consumer reports

Do to the one time a year free credit report from Experian. I was charged a fee. Which I see charges of fraud, false advertisement and misrepresented. To an American tax payer. Thank you
Product: Bank account or service

I closed my Wells Fargo IRA in XXXX 2015 and noticed that funds were still withdrawn in XXXX 2015 from my Wells Fargo checking account to go into this nonexistent account. I notified the claims department and I was given a temporary credit in XXXX and then it was reversed XXXX " because I failed to return a Wells Fargo Document ''. I am currently out of the country and have been for several months and therefore I have not received any mail nor were any messages provided to me that claims department needed additional information. This reversal caused my checking account to be overdrawn and I suffered a series of overdraft charges as a result. Curious why Wells Fargo reversed this or asking for notarized statements, etc. since this is pretty straightforward : I closed the Wells Fargo IRA so what sense does it make for me to still be deducting funds from my checking account to continue to place funds into an Wells Fargo IRA that I closed and no longer exists? Now I have been chasing a moving target of notarized statements and poor customer service ( you can read the email thread I am enclosing as an attachment ). 


P.S. I called twice this morning and XXXX times, after being on hold for around 30 minutes each time, XXXX representatives I spoke with were very rude and seemingly incompetent. It was almost as if I was interrupting them. Is not their job to field questions from customers in a professional manner? For the record, the first rep hung up on me ( I am sure of it ) after I asked her for an explanation and the second one actually yelled at me ( yes, yelled at me ) when I asked her the question I asked you above, namely, what sense does it may for me to continue to deduct funds from my checking to put it into a Wells Fargo IRA that no longer exists? So, please do not ask me to call your XXXX number again.
Product: Credit card

I called a few days ago to open disputes for ( 2 ) unauthorized transactions on my Milestone Cashback credit card in the amounts of : {$150.00} and {$270.00}. I confirmed with the representative these were the only ( 2 ) unrecognized charges. After logging into my account, I noticed my account was credited for both transactions, plus an additional transaction of {$320.00} that I did NOT report as fraudulent. I immediately called support to cancel, as this charge was from my landlord ( for rent ) I did NOT ask Milestone to chargeback that transaction. 

Supervisor XXXX confirmed a request was sent to disputes to cancel the transaction, and acknowledged it was not included in my original report but was somehow credited to my card with the other charges. He also stated it was not possible to confirm this in writing ( via email ), but assured me it was a temporary credit from Milestone ( not taken from the merchant ) and they should be able to cancel the dispute before the merchant is notified ( within less than one week ). 

Im submitting this report to document that Milestone disputed this valid charge without my permission and ensure the claim is cancelled for this ( 1 ) charge I did NOT report as fraudulent ASAP.
Product: Credit card or prepaid card

I have been attempting to get the inquiry from Sallie Mae off my credit report since XX/XX/2021. I have called them and spoke to " XXXX '' in XXXX who stated she was documenting as fraud and would forward this to their fraud department. The inquiry stays on. I mailed a letter to Sallie Mae advising this was fraud and requesting they take off the inquiry. They responded saying it was valid and to contact them if fraud. This company has been contacted by me, sent letters by me and refuses to assist. Their fraud service number is always unable to go at XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX - XXXX - My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Experian Credit bureaus are reporting false information in my credit file. More specifically several false inquiries. I have filed a report with the FTC and attached a copy hereto.
Product: Mortgage

New Discovery- Select Portfolio Servicing added and reported to the credit bureau and flagged my account as loan modification on XXXX XXXX its also states Activity : Conventional Real Estate Mortgage Including Purchase Money and First Mortgage. Neither of the above information is true. Select Portfolio Servicing just added this false and misleading information on XXXX XXXX but changed the year, because it did not have this information before on the credit bureau reports. I get a letter from Select Portfolio Servicing dated XXXX XXXX stating Refinance/Modification. Therefore this was change before the letter was sent out. I want to know did SPS altered, change or added statements on any documents? Because I know they are trying to cover up for XXXX XXXX XXXX in which the loan was transferred in XXXX XXXX, Also it obviously that an fraudulent assignment of note for insurance benefits ( claim ) was applied with the FHA mortgage insurance on the property.Date of Contact of insurance termination was on XX/XX/2014. Due to the fraudulent defective dry wall property insurance claim, cause the FHA Connection lender query case number XXXX to be terminated. Therefore the FHA mortgage insurance was canceled due to the mortgage fraud. That is when XXXX XXXX XXXX  applied a Conventional Real Estate mortgage loan to my property, then purchasing money first investment account for profit. It appears the loan investment account number was XXXX the same account number was used to collect a large sum of money, refund on property insurance claim on XX/XX/2014 with XXXX XXXX XXXX XXXX. This is also a fraudulent claim, also accelerating the escrows payment. On XXXX XXXX XXXX XXXX XXXX fraudulently set up a loan modification as if I was behind in payments which I was not, because they made a fraudulent assignment of note claim, on a defective dry wall claim On the property in which I knew nothing about and then making a fraudulent property insurance claim with XXXX XXXX  XXXX   XXXX.I had no knowledge of any of the above fraudulent activities. Therefore the loan modification that Select Portfolio Servicing has in their possession account number XXXX XXXX XXXX XXXX loan number that was transferred to SPS on XXXX XXXX and account number XXXX Select Portfolio Servicing number is misrepresenting fraudulent funds that was acquired by fraudulent insurance claims on that XXXX XXXX loan modification. And maybe still collecting funds for profit wit money first investment account.
Product: Checking or savings account

I was a victim of theft & my card & info was used to make several purchases.I did not authorize. 
Chase accredited the money back to My account & later reversed it causing overdrafts.Most importantly taking money frm my savings to cover the charges of fraud.Which puts me in debt & unable to.pay my rent! The XXXX was in amount of {$370.00} onXXXX25 and {$130.00} on XXXX/XXXX/25 I spoke with several claims administrators @ chase & a supervisor in which was rude and said I needed evidence which I ask what type was hung up on! I also had called several times concerning my stolen card asking to have card locked & new one sent.This was not done allowing the thief to continue to use my card.There was over {$500.00} Worth of items purchased not by me nor with my authorization or knowledge.I called again weeks later once I didnt receive new card & seen my card was still active & being used by thief! I was told claim was denied frm lack of evidence.I have no evidence but that I was a victim of fraud and chase wrongfully took money out my savings to cover the purchases they had temporarily credited.
Product: Credit reporting, credit repair services, or other personal consumer reports

" NEW ISSUE '' XXXX pulled a Hard inquiry on my credit report on XX/XX/XXXX without authorization or permission from me this is illegal. Now it showing the removal of the inquiry ( This inquiry could stay on your report untilXX/XX/XXXX. ) has to stay on my report for 2 years.I need this inquiry remove immediately. Cease all pulling of my credit reports. Anymore violations I will be seeking remedy in XXXX   District Court here in XXXX XXXX XXXX Utah.
Product: Mortgage

My mortgage comp any, America Servicing Company, merged   with  Wells Fargo. M y mortgage is now held at  Wells Fargo Bank.      This incident recently happened on  XXXX   XXXX ,   XXXX  , this has happened twice in the past. I submited a monthly payment and the bank duplicate the paymen t and overcharged my account. My mortgage statement showed two ( 2 ) payments deducted on the same day for the same amount. Wells Fargo char ged my account a lump sum payment in the amount of {$870.00} as oppose to  two  individual payments in the amounts noted below.   Example of the duplicate payment in the following amounts :  XXXX  - {$430.00} - applied to principal and interest  XXXX  - {$430.00} - applied only to principal ( suspicious activity as I have never submitted a principal only payment in the history of the loan payments ) I called the bank and the representative could not assist as she claimed there was a confirmation of payment sent to me of the full dollar amount. She could not confirm the confirmation number or advised where I could locate the payment confirmation number.   I only submitte d one payment ; however, we can not find the proof of the confirmation of the customer submission of two ( 2 )  payments.     This has happened in the past in  XXXX , on my second mortgage in the amount of {$1400.00}. They went into my account and process duplicate payments in the amount. Again, my account went into overdraft, which alerted me to investigate further.  ASC/Wells Fargo a dmitted error but did not do anything to prevent future occurrence. This recently happened again in  XXXX    XXXX  .     The only notification was my account went into overdraft for the payment that was submitte d three times by Wells Fargo and  that is how I realized there was suspicious activity on my account.     I would appreciate the CFPB investigating further of this practice that most customers are unaware  of Wells Fargo submittin g payments on their behalf of which the customer did not initiate.     I appreciate your help!
Product: Debt collection

There is a account being reported by the Merchant XXXX XXXX CARD. Being reported on all 3 of my credit reports indicating a debt owed in the amount of {$800.00}. I never had a account with XXXX XXXX CARD. I am a victim of identity theft this account was open fraudulently. I have filed a dispute with XXXX and XXXX, and I still DISAGREE with their investigation results. I have filed a identity theft report at identity theft.gov and I have filed a police report regarding this matter. The information of me being a victim of identity theft has been reported since 2017 to all 3 credit reporting agencies. As there is a personal statement added to my credit file. I really would appreciate it if you could REMOVE THIS FRAUDULENT ACCOUNT FROM MY REPORT it is being reported as a closed account with debt owed. {$800.00}. Please remove the account in entirety.
Product: Credit card

I received a notice in the mail asking me to set up a pin for a credit card I did n't apply for or receive. I called and it was a very short message saying that I can validate the pin or request a new one. I ignored it. A few days later I received a credit card in the mail from Popular bank from XXXX XXXX. It was their XXXX Visa card. It had a limit of {$15000.00}. If someone was simply trying to steal my ID they would n't have sent the card to me so I then questioned whether Popular Bank was behind this or someone at their bank was doing this in the hope that I would validate the card and then use it. I called the bank on XX/XX/XXXX and they were evasive, they transferred me to their fraud department who said they would get back with me. Today is the XX/XX/XXXX, I have not heard anything so I called again. The customer care department wanted me to give them a lot of additional personal information, which I refused to do ( Birth date, full SS number, etc. ) I was transferred to the fraud department who claim the account has been canceled and I have n't received any response from them due to the large number of issues with which they are dealing. They said it would be 30 days. I really think something is going on with this bank that deserves your attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, I tried to submit a credit freeze application online at : XXXX XXXX XXXX ... resulting in an unexplained failure. No useful reason was given : " We are unable to honor your request online. 


If you are a victim of identity theft and submit a valid investigative or incident report or complaint with a law enforcement agency or the Department of Motor Vehicles ( DMV ), the fee will be waived. 

... ( words about sending paper to them to do a paper request in this day and age of Internet everything ) ... 

You may also submit your request electronically at experian.com/upload '' The experience at experian.com/upload was equally dismal and unprofessional and the failure equally unexplained. After I uploaded my documents, the reply was : " We 're sorry. We were unable to honor your request. 

To submit your request by mail, please send your documents along with one copy of a government issued identification card, ... 
" Multiple attempts did not work. 

If they reject an online application, they should provide a decent explanation and provide a way to resolve the issue without resorting to time-consuming paper or telephone. Otherwise, it is reasonably construed by the consumer as an attempt to reduce credit freezes in order to maximize revenue ( from selling credit information ).
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to express my disappointment and frustration regarding the deletion or blocking of accounts on my consumer credit report, as a result of a data breach or unauthorized inquiries. These actions appear to violate my consumer rights, as outlined in FCRA Section 605B and FCRA Section 604. I request verifiable proof with my signature/electronic signature to address this matter promptly. I have reached out to the companies responsible and have not received satisfactory validation or original proof for these actions, further compounding my concerns. This issue must be resolved by the Fair Credit Reporting Act. 

Listed below are the Inquiries that are being challenged : XXXX  - XX/XX/year> I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX XXXX - XX/XX/year> I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX XXXX  - XX/XX/year> I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX - XX/XX/year> I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX XXXX  - XX/XX/year> I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX XXXX  - XX/XX/year> I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX XXXX  - XX/XX/year> I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX XXXX  - XX/XX/year> I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX XXXX  - XX/XX/year> I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX XXXX  - XX/XX/year> I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX XXXX  - XX/XX/year> I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Date of inquiry : XX/XX/2021 XXXX XXXX Date of inquiry : XX/XX/2021 XXXX XXXX Date of inquiry : XX/XX/2021 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Financial Protection Bureau has now dropped the ball on this concern. Claiming that I am not the one disputing this account when I am the only one with access to my credit reporting login in credentials. My credentials have maintained the same and I am the only one working to fix the inaccuracies on my credit report. You sent me a letter closing my initial claim because you assumed I was using a credit repair company. That is false. I am doing my best to correct the errors you all continue to ignore. You use these tactics claiming you are not sure if I am disputing these accounts, making me call in to verify myself countless times and still failing to properly investigate my claims. I have been attempting to dispute this account that has caused me to lose housing opportunities and Job opportunities from reporting inaccurately. I have made several attempts to dispute this Debt with XXXX XXXX ; as I HAVE NO KNOWLDEGE OF THIS ACCOUNT ; IT IS FRAUDULENT AND MUST BE REMOVED IMMEDIATELY. When I request verification of this debt via writing my requests are ignored but XXXX XXXX sends me a response letter asking to verify what they have on file when i have no knowledge of this account. However, on the handwritten letters they received from me it contained my first and last name and full address, the only response i should be receiving is one that has documentation showing and verifying this debt is mine. Which XXXX XXXX Failed to do. This agency is still being allowed to report this frivolous debt with multiple inaccuracies. When I ask for proof of information used to investigate this account by the credit furnisher, my request is ignored but the account is continuously being updated as verified. I have retained all my documents from letters I've wrote physically to the original creditor XXXX XXXX and the current furnisher of the inaccurate information XXXX XXXX, disputing this debt sent via certified mail in which I never received a response. I have proof and or documentation of me writing all credit reporting agencies requesting information on how they verified this debt, that also went ignored. I have been disputing this account for years and the lack of research and negligence on the creditors and credit reporting agencies behalf are unbelievable. I have managed to get the account removed from one agency which is XXXX, but it remains on XXXX and Experian. I can not understand how XXXX could not verify the debt was mine, but XXXX and Experian were, however, can not provide method of verification used to validate this debt. PLEASE REMOVE THIS ACCOUNT FROM ALL XXXX AND EXPERIAN AS IT CAN NOT BE VERIFIED AS MINE.