23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Carrington continues consistently make Fraudulent Activities on this loan. They had someone put a letter in our mailbox after XXXX pm last night. It was dated XX/XX/XXXX. I got the mail at XXXX o'clock that evening and that wasn't there. My husband check the box after work which was XXXX last night and it was there. It was dated XX/XX/XXXX. The letter had new payment due dates. It is NOW XX/XX/XXXX thru XX/XX/XXXX with a total now of {$15000.00}. The payment went sent on XX/XX/XXXX, they took {$140.00} out for the Property Inspection. So it was not enough for the payment. It was put in unapplied funds. The new letter now shows the property inspection fee as {$20.00}. The unapplied fund amt stayed the same. We tried to make XXXX and XXXX payments. The Account was LOCKED It would not allow us to make those months ' payments. 
On XX/XX/XXXX they said we were PAST DUE for XX/XX/XXXX thru XX/XX/XXXX We sent copies of the CHECKS to show the payments were made. At that time the amount was {$14000.00}. I ask CFPB to have Bank XXXX XXXX send our PAYMENT HISTORY from Years XXXX through XXXX. They sent XXXX through XXXX. XXXX  XXXX XXXX had this loan from XXXX through XXXX. There needs to be a FORENSIC AUDIT on this LOAN. We did not miss a payment. We are been harassed and we FEAR FOR OUR LIVES. This Is called BANK FRAUD. Help us SAVE OUR HOME. XXXX  XXXX XXXX and Carrington SHARE RESPONSIBILITY!! XXXX  XXXX XXXX Transferred the Loan To Carrington. Will Someone, Please put A STOP TO THIS HARASSMENT DO A FORENSIC AUDIT TO THE LOAN!! THIS IS DANGEROUS
Product: Mortgage

I started a refinance with Wells Fargo in XX/XX/XXXX. Everything was going good I was told in writing ( email ) that I was locked in a XXXX % for my interest rate. Long story short, week after week of checking in and making sure the refi was on track, I get a letter in the mail ( XX/XX/XXXX ) stating that my interest rate is XXXX % and my monthly payment is way more then what was discussed. I exhaust my resources with the local branch and turned to the National escalation team. Even the fact that I have it written that I was locked in at XXXX Wells Fargo is now telling me the best they can do is XXXX %. I talked it over with my local branch and they tell me with the rate at XXXX my payment would be XXXX, I was ok with that but XXXX min later I get an email saying that is not the case. So I call and now they say my payment will be XXXX. At this time XXXX XX/XX/2016 no one will return my phone calls. No one seems to be able to help me get the answers I need. There has been a lot of bait and switch with numbers and I feel like I do n't know which direction to go.
Product: Bank account or service

This is the XXXX Dispute that I have requested you to help me with for Sun Trust Bank. Well I received the XXXX Report and the XXXX report. I am beyond upset with these banks and how they just treat people. As stated on my previous dispute this bank told me a week later after I opened this account that they were closing it due to information that they had received from XXXX and that the account was no longer available to me. Now if you were closing the account why in the great love of XXXX continue to debit another account for the opening deposit. Way after they the fact that you stated that you were going to close the account. Each time that they did n't receive the money they charge me an overdraft fee and and NSF fees which overdrew the account. So they reported me to both XXXX and XXXX with these Contribution Reasons : An account closed and charged off by the contributor, in whole or in part via an automated process, where the contributor has recorded a loss and where the Contributor does not, or is not able to identify the closing of the accounts as due to fraud. Yes rattled my brain as well. I am so done. Now I received a phone on XXXX occassion 's this week from Sun Trust bank but they just left a message stating they were calling me due to the dispute report from CFPB nothing else happened. No resolution
Product: Debt collection

This is so annoying & frustrating. Ive sent Experian multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} and XXXX XXXX XXXX ( Original Creditor XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$5300.00}. Please remove these accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX and Equifax have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the data is inaccurate. 

I would like {$1000.00} for every violation on my report and for all inaccurate information to be deleted from my consumer report.
Product: Credit reporting or other personal consumer reports

My Experian account faced some trouble it got hacked, and my email and phone number got changed. I got two emails from Experian that seemed fishy : one saying " Welcome to your Experian Service Account '' and the other " Your Experian profile information has been updated. '' I didn't do any of that and didn't click on any links because you can't be too careful these days. 
When I tried to log in, my password didn't work. So, I tried to reset it using my phone number, but that didn't work either because, surprise, my phone number got changed too! I thought maybe I could recover my username, but even my email had been changed. 
I called Experian right away, and after a bit, I got to talk to someone. She said she would ask me a security question, but it turned out to be a different one that I previously set up. She couldn't do much because the other security questions weren't showing up. I explained to her that there was a freeze on my social, and whoever did this might lift the freeze to do more mischief. She said she needed to pass my case to a special department. To cut the long story short, she mentioned a specialist from this department would call me, but she wasn't sure when maybe 24 hours, maybe 48 hours, who knows? 
She asked me to fax or mail my Social Security Number, ID, and other documents to prove I was me. I later found out on the Experian website that there's a way to upload these documents, but she didn't mention it. I also called the police to report the incident, but the officer said they couldn't create a report since my social wasn't actually used. It's been a bit of a mess, and I just want things sorted out and my information secured.
Product: Credit reporting or other personal consumer reports

I hope this complaint finds you well. Over the past couple of years, I have continually tried to get these inaccurate alleged account removed from my consumer report. TransUnion Consumer Solutions and XXXX XXXX is constantly violating my federally protected rights. They continuously keep failing to provide me with TRUTHFUL PROOF on how they are validating the alleged accounts. I AM FULLY AWARE OF MY FEDERALLY PROTECTED CONSUMER RIGHTS!!! As shown in the attachments, I have sent numerous letters. - PLEASE SEE ATTACHMENTS
Product: Credit card

Complaint to XXXX Payments Limited and Chase XX/XX/23 I purchased a debit card from XXXX and paid a fee of {$9.00} using my Chase credit card. Chase charged additional transaction fee of {$10.00} for cash advancement and demanding interest payment for the amount. The product was not money order. It was a card that contains absolutely XXXX value. There was no indication extra fee at any process of the transaction. Both companies are refusing to refund or do anything about it. From a consumer stand point, this is confusing and not fair. 

See response from XXXX which I agree : We have received the customers complaint and appreciate the opportunity to review and respond to their concerns. Upon review, we confirmed that the customer used their Chase credit card to pay for their XXXX XXXX order, and were subsequently charged a cash advance fee by Chase. Please note that our review found that the Merchant Category Code ( s ) used ( 4829 and 6012, wire/money order ) were assigned for our role. XXXX does not issue or process cash, nor do we instruct any of our payment processors that we are using cash ; as such, most banks do not treat our transactions as cash advances. Additionally, XXXX discloses all of our own fees to our customers, and likewise a bank should disclose fees associated with their cards. In the event that a bank treats certain merchant codes as cash transactions, regardless of whether the merchant actually handles cash, we believe any related disclosures should be issued by that bank. We can not refund the fees ourselves, as it is assessed by the customers bank ; however, we have provided relevant information to the customer so that they can submit a request for a refund with their bank directly. XXXX is available to provide additional information upon request.
Product: Mortgage

We had a mortgage with Wells Fargo and they were to come to mediation and work with for getting a proper payment plan. They representative from California was to get approval for loan modification. He never called or returned to the meditation process and filed for the foreclosure. They put the wrong address on the filing documents to the court and we lost our home unfairly during the housing crisis. 
XXXX to XXXX long period.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. XXXX XXXX DAE OPENED XX/XX/XXXX BALANCE : {$350.00} ; XXXX XXXX XXXX  XXXX XXXX OPENED XX/XX/XXXX BALANCE : {$0.00} ; XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE : {$0.00} ; XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX DATE OPENED XX/XX/XXXX BALANCE : {$0.00}. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT XXXX and hoping that these XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Late payments will be removed.
Product: Mortgage

On XX/XX/XXXX, Wells fargo 's XXXX XXXX responded to my complaint XXXX to CFPB dated XX/XX/XXXX, stating TO CFPB, among others including " APOLOGIZED FOR ANY LAPSE IN CUSTOMER SERVICE '', THAT " A REVIEW FOR PAYMENT ASSISTANCE IS IN PROGRESS '', WHEN IN FACT IT WAS ALREADY DENIED ON XX/XX/XXXX by XXXX XXXX of Home Preservation and her Team ( see attachment XXXX ). This can be called a lie to a Federal Agency, or incompetence, but I know for a fact that Mr. XXXX  has my updated information available to him on his computer ( I know this because he and his 'predecessor ' XXXX XXXX accessed 'current ' information re. Ms. XXXX  's work/progress while I was on the phone on previous occasions ). Mr. XXXX  written response to CFPB can also be called an attempt to hoodwink CFPB into believing WF was still reviewing me for payment assistance.

I spoke with Ms. XXXX  on XX/XX/XXXX in a Conference call with a XXXX  County government representative listening/participating. I brought the above issue to Ms. XXXX  's attention - she said Mr. XXXX  researches the past, and she decides the future - well, Mr. XXXX did not research well or deliberately misinformed CFPB.

Ms XXXX said the suspension of the foreclosure around XX/XX/XXXX will be lifted around XX/XX/XXXX and for me that means that an auction date for mid-XX/XX/XXXX will be set. I also requested Ms. XXXX to provide me with the reason for denial, which was negative NPV ( net present value ) of the property. On XX/XX/XXXX she provided the worksheet used for NPV calculations of a loan mod. She used 5 % interest rate, down from the existing 7.125 % interest rate charged by XXXX XXXX or XXXX XXXX XXXX XXXX. ( see attachment XXXX  ) since XX/XX/XXXX, the investor for which Wells Fargo is the Servicer, which therefore resulted in negative NPV.

I suggested in the past that I would be willing to pay the existing mortgage at 7.125 %, HOWEVER I can not afford to pay the arrears immediately, but can if stretched over a period of time.

I also suggested on XX/XX/XXXX by email to Ms. XXXX  to calculate NPV at various rates, such as 5.5 %, 6 %, 6.5 % and 7 % to see if this resulted in a positive NPV, since 5 % resulted in negative NPV and denial.

NOTE that Mr. XXXX only researches the past, so his statement has no validity, since the next minute Ms. XXXX and Team can decide to bypass his statement ( HOWEVER, in my case, he made an untrue statement that " a review for payment assistance is in progress '' on XX/XX/XXXX when XXXX  had already denied it by USPS mail ( attached ) on XX/XX/XXXX. This despite the fact that Mr. XXXX has current, maybe live, access to my case/Ms. XXXX 's files, and I know it, as stated above ).

This error or lie to the CFPB should be reason enough for WF to be penalized, and/or I receive a Loan Modification, at one of the interest rates stated above.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name XXXX XXXX, I've been XXXX from the XXXX XXXX since XXXX. I'm now an XXXX year old XXXX, and lve been XXXX for 48 years. I've recently pulled my credit to see what was on it. Apond pulling my credit I found several items that I never applied for, several address on my credit profile that I am not aware of. I never lived at any other address. If you look at my credit profile I have live only in one state after I XXXX from the XXXX in XXXX, I have not lived in no other state. I built my home here and have always live here in XXXX Florida after I XXXX in XXXX. I have always had perfect credit and now my credit have been used fraudulently used. I am asking for my address to be corrected on my credit profile and any other to be removed form my credit profile. I have reached out to the three major credit bureaus and submitted a claim of fraud on my account. Per the 605b any fraudulent information on my credit profile needs to be removed within 4 business day upon my letter of request. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Mortgage

Im the seller and Im filing this complaint due to the unprofessional handling of the buyers information. During our process I understand that closing get push back sometimes but when the lender reaches out to the seller and disclose personal information about the buyer theres a problem. The lender has discussed sensitive financial information about the buyer and requested another extension. The lender kept in contact with over text and they still failed to preform closing with no communication with the title company or buyer but relaying message with the seller by text. Due to the disclosure of personal information of the buyer I feel it violate there privacy. The time I spent communicating back in forth with the lender has put both parties in a tough position. The buyer now needs to forfeit there escrow and seller needs to start there process over. Now I used to be a XXXX XXXX for over 7 and half yours. Passing others personal financial information isnt ethical. If you need contact information or text messages please reach out but this is not a good practice. Thank you
Product: Debt collection

This company refuses to remove the debt from my credit saying I am the one who took out the loan. I have no documents to prove that I am the one who took out the loan and they cant provide me with any documents. {$940.00} From XX/XX/2019 2019
Product: Credit reporting

XXXX account is fraud and identity theft I did not open this account or use it had any knowledge of this account I sent my police report number and receipt to experian by mail and via upload on website this account does not belong to me
Product: Credit reporting or other personal consumer reports

I received several emails from myIDXXXX and Experian that my social security number was compromised/breached from XXXX XXXX XXXX 
This happened a few months ago from another agency and all my credit bureau accounts except Experian are frozen. I tried to get help from them at the time but after being sent from one agent to another they told me they would call back. Well, I forget about the incident until today 's breach. I can't login to Experian because it doesn't recognize my input but if I try to recreate the account it tells me I already have an account. This is the same unresolved issue from months ago. I'd like to access the account so I can freeze my reports but I get no love from Experian. Can someone help me? Thank you.
Product: Credit reporting or other personal consumer reports

During theife of the loan, I took advantage of XXXX extensions that are available. I asked customer service, if I would be able to continue paying my regular monthly payment amount after the maturity date, due to the extensions, and they stated yes. I then stated, ok, so I won't have a large lump sum due at the end, correct? They stated that no I wouldn't. Fast forward to the payment I made this past XXXX, I paid XXXX dollars, like I normally do every month. Apparently XXXX was expecting me to pay XXXX dollars. When I didn't, and the account went past due, XXXX dud not call me, or at the least sent me a past due letter. I verified they have my correct phone number and address. I say this to say, that if they would have bothered to reach out to me, like a normal fina e company dues when you are past due, I would have had a chance to settle the account, before going over XXXX days late. This was very preventable, if XXXX only made an attempt to reach me and attempt to collect the past due amount, but they didn't, they met it sit there and go past XXXX  days late. Not good business! I always paid my account well and on time, and the only reason, I didn't pay the XXXX dollar amount was because, again, I was advised by XXXX customer service, that I could continue to pay my regular payment amount until the loan was paid off, but obviously that was not the case. Even after that, again, if they had sent me a final bill in the mail, a past due notice, called me, Etc... this gets taken care of way before the XXXX days.
Product: Credit reporting or other personal consumer reports

This is my follow up complaint, I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance Owed : {$200.00} XXXX  XXXX Balance Owed : {$0.00} DEPTEDNELNET XXXX Balance Owed : {$3100.00} DEPTEDXXXX XXXX Balance Owed : {$2500.00} DEPTEDXXXX XXXX Balance Owed : {$5000.00} XXXX XXXX Balance Owed : {$140.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX : {$650.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and 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 corrected or deleted. 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 to be corrected immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

transunion said that they would delete my inquries from their computer glitch in my last dispute through cfpb transunion has not done done what they said they would do please remove my inquries