23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX Igot a loan from Wells Fargo forXXXX to buy a XXXX XXXX  mobile home .I put up XXXX XXXX  of land to get the loan Every thing way escrowed in to one payment. The bank took care of everything. 
I was a first time buyer I did not check anything just tried to make the payments. 
As time when on every year Imy payment would go up I never made a inc, claim. 
I had a hard time from the begaining got behind a lot in XXXX I got what I thought was a loan modification but it was a a loan forbearance In XXXX Wells Fargo sold my loan to XXXX XXXX XXXX bank. 
In XXXX I got behind and my house when in to foreclosure I sold it for XXXX  the pay off was XXXX after 17 year of paying on a XXXX loan I still owed XXXX but at closing I only got XXXX they said I owed well forgo XXXX dollar I checked in to this and in my closing paper in XXXX the mobile home is stated to be a stick built home on solid foundation!! And on the XXXX paper that is what it inc. for after 15 years I changed inc. got it for XXXX a year the year before it was XXXX a year I got a check XX/XX/XXXX for XXXX wells forgo it didnt not say why my loan number was XXXX
Product: Mortgage

I am currently dealing with a fee of {$960.00} tacked on to my existing mortgage by XXXX. XXXX transferred out mortgage to Mr Cooper about 1 month later. This fee was also carried over. They were in some kind of transition limbo and we had no way to try to solve this right away. 
I penned a letter to them and they gave me a canned response without even thoroughly researching it. 
When I responded to them I received no more communications and they deleted the dispute. 
I need help. Due to this fee I am not allowed to pay anything extra to the principal of my mortgage. 
I just want the fee waived. I have clear evidence we are not in the wrong. 
I have included the letter I wrote to them as well as the follow up to explain further to no avail. There is also our bank receipt to prove we paid and a screenshot of our mortgage payment page with the " Add additional principal '' grayed out unless we pay the fee. 

Thank you for your time. 

XXXX and XXXX XXXX
Product: Mortgage

All happened in XXXX let. my daughter in law live in this house for XXXX years ( XXXX XXXX XXXX XXXX XXXX house home has been in the family for XXXX years..after she moved out i called BOA and that is when i found out my XXXX XXXX law missed XXXX payments ... I imediatiately put the house on the markrt for sale with realtor XXXX & XXXX XXXX TURN THE REALTOR GOT US A MEDIATOR XXXX I WANTED TO A SHORT SALE WITH BOA JUST SO BOA WOULD GET THEIR MONEY BACK OF WHAT WAS OWED ON THE HOME..IN THE BEGINING OF ALL THIS BOA TOYED & PLAYED GAMES WITH ME OUR MEDIATOR & OUR REALTOR LENDING ALL XXXX OF US TO BELIEVE THAT BOA WAS WILLING TO DO A SHORT SALE ... AS THE YEAR WENT ON BOA HAD ONE EXCUSE AFTER A NOTHER..BOA WAS HAVING US SEND THEM ALL KINDS OF DOCUMENTS.I WOULD SEND THEM I WOULD CALL THEM IF THEY RECIEVED MY DOCUMENTS & BOA SAID NO THEY SAID FOR ME TO SEND AGAIN..THIS TYPE OF BEHAHAVIOR WITH BOA FOR MONTHS & MONTHS..STILL BOA MAKING us to belive They were going to do a short sale..Boa had our mediator open up a XXXX account so that any offers we got would go thought this XXXX XXXX.Boa would sent it to our meditator and stay u have XXXX hours to send the stuff for the short sale paper though this XXXX ... my mediator kept telling me Boa would shut the XXXX XXXX down and said she only had XXXX hours to send the paper work though the XXXX boa would shut the XXXX XXXX  and tell me that my mediator didnt even open there XXXX... this was a constant thing with Boa..making us believe for XXXX year that they wanted to do a short sale then one day we went to court and the judge looed at XXXX rep fron XXXX and asked are u willing to do a short sale the rep said NO ... after XXXX year!!!! The best part we had XXXX cash offers sitting in our releators desk waiting for Boa to get off there XXXX but to no aval ... if boa had worked with the relator with these offers we could of sold that home... now 4 years later they locked us out of the house. Which is stupid on there part & we r loosing a family home which has been in the family for XXXX XXXX. BOA are such lairs they cant be trusted sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Citi retaliated against applicant in XXXX by forcing a 'username change ' Citi sent abusive digital notifcations that had no merit from XX/XX/XXXX - XX/XX/XXXX
Product: Prepaid card

I received a prepaid debit card from XXXX and issued by Citi. The card was loaded with a predetermined amount, and specifically states that you can not reload the card or obtain more funds than are listed on the card. The card now has a negative balance. I contacted Citi by phone to determine how this is possible given their rules and that it really should be impossible for such a thing to happen. They stated that I had tried to make a purchase greater than the amount on the card and that it was approved due to a glitch or lack of a mechanism in place by the merchant to check for available balance. Now, I am told that I may be subject to undisclosed fees or debt collection if I do not submit a money order or cashier 's check to an address provided to me by customer service. I 'm told that I 'll just have to wait to be contacted by the " risk department '' and they ca n't tell me if the debit balance will be turned over to a collection agency or what, if any fees may be applied to the debit balance while I am waiting to receive a request, in writing, that explains how to deal with this matter. I think that the burden here lies with Citi. They should have had a mechanism in place to ensure that a transaction greater than the card balance would have been declined. This is a poor and murky business practice that places undue burden upon the consumer. I would like to be contacted by someone at Citi and to be provided with a written explanation of how to resolve this matter in a timely manner.
Product: Checking or savings account

This all occurred from XXXX with the majority happening in XXXX. I banked with Suntrust who is now Truist since I was a child ( well over 10 years ). The pandemic turned my life upside causing financial turmoil for me as well as millions of others which resulted in some overdrafts on my account due to bills and such. Suntrust continuously charged fees to the point I was unable to catch up. Each of my paychecks was eaten up by fees causing more overdrafts as bills payments hit my account. It was a vicious cycle. I was getting nfs and late fees on top of other fees and then fees on bills being unpaid. When I originally opened my account, it was connected to my parents account since I was so young. I ended up so behind, Suntrust took all of the money out of my parents account and just closed mine. This happened when they were leaving for vacation for a week with my niece. I ended up moving back in with my parents, losing my job due to the XXXX  and stress being caused by this, and had to declare bankruptcy. I tried working with Suntrust multiple times. They did waive a few fees randomly but it didnt help. They wouldnt even let me pay fees to catch up and just stop extra fees from adding so I could catch up but they refused. I even had an agent confirm on a call that I had 100 % signed up for overdraft protection a long time ago but then after that other agents acted as if I was crazy. I had no idea I could submit this complaint and that Suntrust would actually listen or I would have done this already. I now have to use prepaid checking accounts and have no credit due to the bankruptcy. 

I can provide my old account number and my info if needed. I am also trying to pull the bank records from suntrust but I know they can see it all with just my account number and personal information.
Product: Vehicle loan or lease

Last Monday I went to the dealership after receiving messages multiple times a day to purchase a vehicle. Even though it was not what I wanted and my emotional status is vulnerable due to XXXX I just wanted the calls and texts to stop. I sat at the dealership for over XXXX hours dealing with a pushy sales man who kept requesting my phone when I said I didn't have it he tried to get my personal information to login from his computer for a review, which he eventually got access to my phone and wrote himself a raving review. When signing the paperwork I was rushed through and confused and tired. I didn't even get my set of the paperwork until the next day because my spouse and I had to email and call them repeatedly for the information. After thoroughly reviewing I felt I was lied to and wanted to end the loan/contract before it was funded. My spouse and myself was told we can not do this and now no one will respond to the request. They've ignored my texts and emails and this is against the law and they've done this before.
Product: Checking or savings account

I deposited a check on XX/XX/2020 in Chase bank ATM machine but the machine took my check and never deposited it, instead the machine gave me a receipt without the amount of money on my check and when I call the customer service they deposited the money to my account but month later they took it back and send me a letter that I didnt have any deposit that day, I still have the receipt from that deposit but they dont care about their own receipt.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX Balance Owed : {$3600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX XXXX XXXX Balance Owed : {$430.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a right to privacy, 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

The above-mentioned account was furnished without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was checking my credit report from the 3 major credit reporting agencies and notice that information on my credit is incorrect XXXX/XXXX partial # XXXX, and XXXX XXXX XXXX/XXXX XXXX showing up as negative on my credit and would like these DELETED from my report these have been included in my Bankruptcy Chapter XXXX, bankruptcy XXXX
Product: Credit reporting or other personal consumer reports

Im unable to view my credit report for XXXX or XXXX online they keep stating they have my ID but not my social so here is my social security card contact me let me know youve lifted this imaginary hold also make sure you remove any fraud alerts because I never requested a fraud alert
Product: Debt collection

In XX/XX/2021 I sent a verification letter to the collection agency Mindland Credit Management ( please see document attached ) regarding an account that I did not recognize on my credit report. The collection agency sent me a letter in XX/XX/2021 but they did not responded to my request. I specified on my letter that under XXXX XXXX XXXX regulations ( section 2-190 of the Rules of the XXXX XXXX XXXX XXXX  ), verification requires all of the following : A copy of an original document confirming the debt ; A copy of the final account statement ; A document itemizing the total amount due and additional charges ; and Any other documentation verifying the balance and all other charges alleged due.

But they only document sent by the collector was a letter from the original creditor informing that the account was sold to collector ( See response by collector attached ).

I do not have aby recollection about this. I have had only one account with XXXX XXXX and it was more than 8 years ago and I think this account was charged off at that moment.
Product: Debt collection

CMRE collection agency put a collection account on my credit without contacting me, nor letting me know who the original creditor is. I sent written request via certified mail asking them to validate the debt. They refuse to provide validation yet they continue to report the erroneous account on my credit. CMRE are in violation of SEC. 809B OF THE FDCPA
Product: Student loan

On XX/XX/XXXX, I attempted to make a scheduled payment for my student loans with Fedloans. When I spoke to the representative, she said since my payment wouldnt file until after the loan forbearance took effect, that I wasnt responsible for my XXXX payment. Therefore, I canceled my payment. 

However, when I logged into my account in XX/XX/XXXX, it showed that I was behind on a payment. I called and spoke with another representative, she said that if I made the payment then, it would count towards my XXXX payment. Therefore, I made a payment of {$570.00} on XX/XX/XXXX as instructed to count for my XXXX of XXXX payment. 

When I submitted my next employment certification form XX/XX/XXXX, they did not count my XXXX payment as a qualified payment. I had called and spoken to another representative and she said she would submit a request to have that payment reviewed. I had not heard anything for a month and so I called again and they said it was still under review. 3 months later, I called again, and they said once again, it was still under review. 

After over a year of not hearing anything, I decided to submit another employee certification form on XX/XX/XXXX, and they still stated that the XX/XX/XXXX payment did not count as a certified payment. 

I called and spoke to a representative and she said she did not see any claim being reviewed for my XXXX payment to count as a qualified payment and said she would submit the claim. Its now been over a month and I still have not heard anything. 

I have continued to speak with several representatives and have been given false information numerous times.
Product: Debt collection

I have been trying to consolidate my two student loans with the Department of Education, so that I can place the one student loan in deferment and attend college for an accelerated XXXX  program with a local university in the field of XXXX XXXX. I have not had any luck getting the Department of Education to understand my long term plans. A XXXX degree will essentially double my income, and at the age of XXXX I believe that now is the time to move forward. Therefore, I would appreciate the proper direction to get the consolidation of both loans structured by the US Department of Education, and the federal agency can communicate with me by email to expedite the process.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Mortgage

21st Mortgage out of TN On XXXX XXXX I made two separate payments, one for XXXX and second for XXXX. These payments were done electronically and posted on XX/XX/2021. Making these two payments brought our mortgage current. On XXXX XXXX we received notification we were in default. Called and spoke with agent and she stated we were not in default and then began to question why we made two consecutive payments and demanded we pay for XXXX which is not due until at least the XXXX. 
This is an ongoing issue with this company. Constant harassment and negative reporting to credit bureaus. They are constantly locking us out of the online payment portal. They have sent people to our house taking photos just in case we ever go into foreclosure. 
The mortgage co also has our mortgage listed as a mobile home which it is not. They refuse to correct it which we are unable to refinance because of that and negative credit reporting. They at one time also demanded my wife and I both have cell phones. They have also demanded on knowing where we were getting the funds to make our payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX started making HARD CREDIT INQUIRIES with Transunion. Since them they have made 6 HARD CREDIT INQUIRIES. 5 of inquires have been removed within a week. 
XXXX XXXX XXXX XXXX Hard Credit Inquires / XXXX XXXX XXXX XX/XX/XXXX Inquire XXXX XX/XX/XXXX Removal XXXX XX/XX/XXXX Inquire XXXX XX/XX/XXXX Removal XXXX XX/XX/XXXX Inquire XXXX XX/XX/XXXX Removal XXXX XX/XX/XXXX Inquire XXXX XX/XX/XXXX Removal XXXX XX/XX/XXXX Inquire XXXX XX/XX/XXXX Removal XXXX XX/XX/XXXX Inquire XXXX The HARD CREDIT INQUIRIES WHERE NOT AUTHORIZED! I have a credit freeze on all three credit bureaus for years, and have not applied for any new credit since at least 2017. Yet each month since XX/XX/XXXX XXXX XXXX XXXX has made XXXX or more HARD CREDIT INQUIRIES. 
On XXXX I contacted the XXXX  and was informed there have numerous complaints 2nd XXXX XXXX XXXX for the same issue. XXXX XXXX XXXX has made XXXX or more HARD CREDIT INQUIRIES.
Product: Debt collection

I have requested verification and validation of debt per my right under the FDCPA section 809 a and b yet this company refuses to provide. I also requested them to cease telephone communication yet their auto dialer still calls me several times a day. This debt is not mine and I am demanding proof of this debt. I also disputed this debt yet its not showing as such. This is a violation of the FCRA. I also do not believe this company is bonded to collect in my state. The last four of my ssn are XXXX and my date of birth is XXXX/XXXX/XXXX. Please send proof of this debt to XXXX XXXX XXXX XXXX, TX XXXX. If I must I will seek legal advice to protect my rights. If my rights are violated in anyway I will seek actual and statutory damages against you and your client.
Product: Mortgage

I have mande several payment to the principal as the website states in order to bring it down to 78 % loan to value. I have sent emails looking for advice on the amount o payment I need o make to the principal to remove PMI without success
Product: Credit reporting or other personal consumer reports

I do not recognize this information Creditor Name Date of Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a request to Experian, XXXX, and I can not submit a dispute with XXXX ( due to always having error of submission for the past week ), a request under section 609 ( c ) of the fair credit reporting act to send me XXXX a copy of the original contract that I have signed from the creditors. I have not been able to complete any dispute with XXXX, they always seem to have problems with completing any type of dispute. Experian is only doing what they like to do, which is submitting a request to verify if the account is accurate and coming back with the same message. I did not ask any of these credit agencies to verify with the so-called creditors, I AM ASKING THE CREDIT REPORTING AGENCIES EXPERIAN XXXX AND XXXX TO SEND ME THE ORIGINAL CONTRACT THAT I SIGNED WITH THE CREDITOR THAT YOU AS A COMPANY REQUIRED TO HAVE IN YOUR DATABASE ACCORDING TO FCRA XXXXECTION 609 ( c ). IF YOU ARE CLAIMING THAT THESE ACCOUNTS ARE VERIFIED AND ACCURATE, BY LAW YOU ARE REQUIRED TO POSSES A COPY OF THAT CONTRACT. 
I AM REQUESTING FOR THE CREDIT REPORTING AGENCIES TO SEND ME THE ORINIGAL CONTRACT UNDER FCRA SECTION 609 ( c ) from your database system.

I am requesting for proof THAT YOU ACTUALLY VERIFEID EACH ACCOUNT according to FCRA SECTION 609 ( A ) ( 1 ) ( A )
Product: Money transfer, virtual currency, or money service

I have an incoming domestic wire transfer and my bank Wells Fargo has held the money for compliance for an unknown amount of time. Theyve also disclosed that they dont have anyone assigned to the case and cant give any information about times. They did tell me through a banker what they need to release the hold once its assigned an investigator. I gave this information to the original bank and they promptly sent over the requested info. It is my opinion that it is being held due to the culture of the names involved in the domestic transfer and it is upsetting to be profiled. To be clear another transfer has occurred with both parties through a different bank without any problems it appears Wells Fargo is the only one with an issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, XXXX commenced servicing of ( XXXX ) student loans issued by XXXX XXXX XXXX / XXXX  which reflects a current outstanding balance of {$21000.00} and {$23000.00} as if XX/XX/XXXX ( last reporting period ). In XX/XX/XXXX, i applied for the XXXX XXXX XXXX XXXX XXXX ( XXXX ). As a result, both loans were transferred on XX/XX/XXXX from XXXX to XXXX for processing. On XX/XX/XXXX, XXXX completed the processing of my XXXX application which was approved and as a result, both loans were canceled and the balances were zeroed out ( {$0.00} ). Since information regarding student loans are not required to be reported to the credit agencies, XXXX or XXXX did not report such transfer which continues to show that XXXX is servicing the loan. On XX/XX/XXXX, XX/XX/XXXX and again in XX/XX/XXXX, I submitted disputes with Experian, XXXX and XXXX disputing the accuracy of the balance and each time the resolution resulted in the balances remaining the same/accurate. I submitted verification letters from XXXX and XXXX showing a {$0.00} current balance to no avail. I contacted XXXX on XX/XX/XXXX and requested that the update my information with the credit agencies but they informed me that since they no longer hold the loan, they are unable to update the information and that i should contact XXXX. I spoke to XXXX but the said that they will send me a verification letter and that i would need to contact the credit bureaus to get this information updated, but this effort has failed multiple times.