23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

With the increase in living expenses over the past few years. I have fallen behind on my mortgage payments to Wells Fargo, Some mine and some theirs. My discussions with Wells Fargo has left confused and I am in worse in my attempts to catch up and in no ways relieved. My latest attempt resulted in bank telling me to make double the payments over course of next several months. When inquiring if there are outher options for my VA backed loan. I am told NO.. This is all they can do to prevent foreclosure. Keep in mind I am only behind a total of XXXX also keep in mind I have more equity than I owe.Ihave been my house many years. When talking to my daughter she stated there has been additional protections extended since XXXX  and questioned why I have not been offered any additional options as outlined in XXXX  XXXX XXXX XXXX dated XX/XX/year>. In reviewing this document I find several tools for mitigation. XXXX is to put the arrears at the end of the loan. I am a XXXX XXXX  XXXX veteran on a fixed income and my wife is on XXXX XXXX.I am being set up to fail given the housing bubble. Loss mitigation options have not expired. Is it because I am XXXX yrs old I would not know!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint as per the Equifax data breach occurring from XX/XX/XXXX to XX/XX/XXXX, affecting more than 100 million Americans. I am one of those > 100 million Americans impacted, as per the results from checking [ https : //www.equifaxsecurity2017.comXXXX ]. 

I must now assume all of my incredibly sensitive private information is now available publicly, which fundamentally undermines any sense of trust or safety in the whole of the financial ecosystem.
Product: Mortgage

On XX/XX/XXXX, we received a letter from our XXXX XXXX  agent, XXXX XXXX, stating that they had not received the landlord protection renewal premium of {$1500.00} for our XXXX rental home from our mortgage company. The payment was due on XX/XX/XXXX. We contacted our agent and was told it was on error on their behave and we had nothing to worry about, that they were sending out another check. We went the entire year without any worries because we trusted the company. They sent us the cancelled check and told us we could post it into out personal bank, apply it toward our mortgage or apply it back into our escrow. We deposited the first check into our bank for safety reasons, just so we had a paper trail. 
On XX/XX/XXXX, we received two ( 2 ) other letters from our agent. The first letter stated that the check from our mortgage company was returned due to a " Stop Payment '' of the check by them, but we could send in the payment without a lapse in insurance by XX/XX/XXXX. The second letter stated that our policy expired due to non-payment on XX/XX/XXXX. Again, we turned to our agent in Indiana and was told the premium had been paid and we had nothing to worry about. We received the new policy packet from XXXX XXXX in XX/XX/XXXX, so as you can see, why we were confused each time we received a letter. 
Now we jump to XXXX of XXXX. Our XXXX XXXX XXXX rental property received hail and wind damage from the storms during that time period. When we called XXXX to report the damage and get our roof repaired, they stated that we hadn't had coverage since XXXX of XXXX. Oh boy, we were not happy. Of course phone tag started again. Still to this day, XX/XX/XXXX, we have yet to get repairs, but we did find out that a check was cashed by XXXX, we don't know why they are lying to us about this, but we would like some resolve to this matter. Also, if all parties involved claim they never received a check in the amount of {$1500.00}, then why has it not been returned to our escrow??? We found out in XXXX of XXXX that XXXX XXXX owns the loan, why we were not made aware of this sooner, as it could have helped us as an outlet to this problem, is beyond me.
Product: Mortgage

I applied for a cash-out mortgage refinance with Amerisave Mortgage Corporation in XX/XX/2020 online. I wanted to refinance my 1st lien mortgage and an outstanding Home Equity Line of Credit ( HELOC ), but I did not want to close the HELOC once it was paid off with the proceeds from the refinance. During the application, I selected the available option to keep the HELOC open after the refinance and subordinate it to the new Amerisave mortgage. I even contacted my current lender to confirm that they would sign the subordination agreement before proceeding. 

The underwriting and approval process took 3 months, I spoke and e-mailed with the loan officer ( XXXX XXXX ) several times and this point never came up. 

At closing, we were presented with several documents for signature indicating that we were requesting for the HELOC to be paid off and closed. I let the closing agent know that this was not part of the transactions and we did not sign those documents ; I was not able to get a hold of the loan officer during closing. 

I spoke to XXXX XXXX after the closing and he indicated that the loan was processed with the HELOC getting closed. I asked him how it happened, since this was not what I had applied for or agreed to. XXXX XXXX indicated that this is the selection I had made on the online application when submitting it. I asked him if he was able to share whatever record of the online application that he was seeing in his system. He said that he could not share it and did not confirm that he had a record of this. He told me that our options were to rescind the loan within the 3-day rescission period or continue with it getting funded but we would need to sing the documents that were not signed and have the HELOC closed. He suggested that we could just " re-open '' the HELOC after this loan funded. 

I spoke to XXXX XXXX the day after closing to inquire if anyone else at the company would be able to offer a different option since " re-opening '' a HELOC costs several XXXX dollars in application fees, appraisal, etc. and all that would need to happen is for Amerisave to  get a subordination agreement signed by my current lender instead. XXXX XXXX indicated that this was not an option and if we wanted that, the loan would need to be re-priced and reprocessed, which would take an additional 30-45 days. I again requested documentation that I had selected this option at application. XXXX XXXX indicated that he was no longer able to see the application in the system since the loan had gone through closing. He, however, confirmed that despite not being able to see this record, he knew that to be true.
Product: Credit card

Received an email today from someone/company XXXX XXXX saying a credit card application with them had been received. 
I did NOT apply for any credit. 

I called their tel number, XXXX and their voice prompts kept asking for the last 4 digits of my Social Security number! I think this was a scam to get me to divulge! 

I can forward the original email from them to you right away. 

There have been other recent attempts to open other credit accounts, so I think I am a victim of ID Fraud. 

Please help if you can. 

XXXX XXXX XXXX, MI XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX, XXXX XXXX XXXXXXXXFailure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account
Product: Credit reporting, credit repair services, or other personal consumer reports

My auto loan due date is on the XXXX every month. There was a portion of XXXX still owed in XXXX but was paid by XX/XX/XXXX, which is 25 days pass the due date. The XXXX payment was made XX/XX/XXXX, which is XXXX says pass the due date. Neither payment was made 30 days after the last due date. I called Consumer Portfolio Services the first week in XXXX when I received a late pmt alert from XXXX. I was told because a payment was not received on XX/XX/XXXX that its late. I explained on that date it is 12 days late not 30 as reported. The same conversation took place on XX/XX/XXXX when XXXX was reported late but was 9 days late and not 30 as reported. XXXX did not remove the late payment but updated the dispute results it to include a late payment for XX/XX/XXXX. I spoke to XXXX and was told they are not mediators.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a home mortgage with XXXX XXXX XXXX, and our monthly premium was raised to {$4300.00} instead of {$3900.00} in XXXX 2017. I was negotiating with my home insurance company and attempting to remove the escrow acct with XXXX XXXX so we can pay our taxes separately. 
We processed autopayment in amt of XXXX on time, and we also have been paying our monthly payments for 1 month in advance, so our account has XXXX $ in excess, which XXXX XXXX did not apply to the deficit of around 500 . All this happened within 30 days, and they reported me to credit bureau and it shows acct delinquent in the amount of {$300000.00}, and XXXX XXXX refuses to remove it. Our account with them is clear and in fact, we have a credit with them in amt of XXXX $ which they failed to apply to deficit.when we called them on several occasions, they are rude, and lie to us, they refuse to remove the false report on my credit. I have contatced their board of directors also, and therefore I want you to publish everywhere and have them correct this information with the credit bureau.
Product: Debt collection

I get a letter in the mail from my jobs HR dept. telling me that wages are going to be garnished, and I was like what!!! I never got any notices in the mail stating that I was going to be sued or anything. I do n't even remember this debtime of credit card. I have had fraudulent activity on my credit score and stuff. So, they do n't even give me a chance to call or anything they hit me with the judgement and started to garnish my wages! I never signed for a judgement, never got notified of any at that, and they send me a paper saying the debt is {$600.00} and they are garnishing my wages for {$2800.00}!! This is sick! XXXX, new financial services, and resurgent are considered and thieves. They make their own judgement without properly letting the person know, or anything. I do n't make much money and this has crippled me! I call and they do n't care. This is False practice and very wrong and illegal.
Product: Debt collection

I am writing this second formal complaint regarding XXXX XXXX continued presence on my XXXX credit report. While XXXX XXXX has verified the account, I am disputing the validity and continued reporting of this collection account. Despite my previous dispute, this account remains on my report, and it is severely impacting my ability to rent a home for my children. Furthermore, XXXX has failed to resolve this matter within the legally mandated time frame, violating my rights under federal law. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), XXXX is required to investigate and correct or delete disputed information within 30 days. Since this dispute has exceeded that period, XXXX is now in direct violation of this provision. Additionally, under 15 U.S.C. 1681e ( b ), credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. Since I continue to dispute the accuracy and validity of this account, its continued presence suggests noncompliance with this legal requirement.

Furthermore, under 15 U.S.C. 1692e ( 8 ) of the Fair Debt Collection Practices Act ( FDCPA ), debt collectors, including XXXXXXXX XXXX are prohibited from reporting information they know or should know to be inaccurate. The ongoing reporting of this disputed account without adequate validation of the original debt could be considered a deceptive and unfair practice under 15 U.S.C. 1692f. 
Since XXXX XXXX has not sufficiently established the legitimacy of this account and XXXX has failed to take appropriate action within the required timeframes, I am requesting the CFPB to intervene and take the following actions : Require XXXX to immediately and permanently delete the XXXX XXXX collection account from my credit report. 
Ensure that XXXX complies with FCRAs investigation and dispute resolution requirements. 
Impose any necessary penalties on XXXX and XXXX XXXX for their failure to adhere to federal law. 
Provide written confirmation that the account has been removed.
Product: Credit card

I applied for Citi XXXX  card XXXX XXXX XXXX XXXX I received notice that i was being sent the XXXX XXXX. I called Citi and pointed out the mistake ( before the card was sent ) and they said they would change to the XXXX card. 

Before the card arrived I logged into the app and could see that the APR was 26 % not the advertised 0 % for 15 months. 

I called and they had me email XXXX - it seems I'm not the only one with issues. 

I did email and copied the text from the website ( which is still live ) but received no response. 

I finally received my card today ( XX/XX/year> ) and so I called again before activating and once again explained the problem. They would not grant me the advertised 0 %. This seems like scam to me and should be stopped.
Product: Debt collection

AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
My credit report includes the following erroneous information that needs to be investigated and removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance {$0.00} Date Opened : XXXX XXXX XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance {$0.00} Date Opened : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

I have been trying to log on to Loancare 's website and app since XX/XX/21 to pay my XXXX mortgage. The site has been down this whole time. I have called and have not been able to reach a person. Most of the time the call disconnects. I have received no information via email or otherwise as to what is going on.
Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding XXXXXXXX XXXX XXXX ( # XXXX ) To Whom It May Concern, I am writing to dispute the information being reported on my credit file regarding the XXXXXXXX XXXX XXXX account ( # XXXX ). The account is reported as a charge-off, yet there is still a balance being reported, which I believe to be inaccurate and in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and applicable state laws. 

Issue at Hand : 1. Request for 1099-C : I have previously contacted XXXX XXXX  XXXX requesting a copy of Form 1099-C, which they are legally obligated to issue if the account has been charged off and the debt is considered canceled for tax purposes. To clarify, my request was not for verification of the account but for documentation proving the issuance of a 1099-C. Failure to provide this documentation raises serious questions about the accuracy and legitimacy of the reported balance. 
2. Reporting of a Balance Post-Charge-Off : Under the FCRA ( 15 U.S.C. 1681 et seq. ), creditors and furnishers of information must ensure the accuracy and completeness of the information they report to credit bureaus. Once an account is charged off and the creditor cancels the debt, the balance should no longer be reported as owed by the consumer. Reporting a balance after charging off the account constitutes a misleading practice and damages the accuracy of my credit report. 

Additionally, state laws may impose similar or stricter requirements on creditors to ensure the accuracy and fairness of their reporting practices. By continuing to report a balance without evidence of a 1099-C, XXXXXXXX XXXX XXXX may also be in violation of such laws. 

Requested Action : I respectfully request the following : 1. Immediate investigation into the accuracy of the information reported for this account.

2. Removal or correction of the account to reflect a {$0.00} balance if it has indeed been charged off and/or canceled.

3. Provision of proof that Form 1099-C was issued to the IRS and me, as required by federal tax regulations. 

Please consider this letter as my formal dispute under the FCRA. I request that the results of your investigation, along with any supporting documentation used in the verification process, be provided to me in writing within the time frame specified by law. 

Failure to comply with the requirements of the FCRA and applicable state laws could result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 

Thank you for your prompt attention to this matter.
Product: Debt collection

I declare under penalty of perjury ( im in the law of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge.Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful miss statements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001. Additionally, these miss statements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization-Use my personal identifier information to apply for goods, services, or money, and was successful in creating some accounts.All is being investigated by the FTC.
Product: Credit reporting or other personal consumer reports

This is my another complaint to TRANSUNION for taking no action on correcting and removing the fraudulent accounts that are still reflected on my credit report and continue to damage my reputation. I sent out several dispute letters but until this time no further action has been taken. I have attached my FTC report with report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.
Product: Credit reporting or other personal consumer reports

I am writing once again to follow up on my previous dispute regarding inaccuracies in my credit report. I previously submitted a dispute regarding the account listed below and have not yet received a satisfactory resolution : Despite my initial request for correction and reinvestigation, I have yet to receive confirmation that these inaccuracies have been addressed. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to an accurate and fair credit report. Therefore, I am requesting an immediate reinvestigation and resolution of this matter. 

Additionally, I formally request the following : 1.Confirmation of the corrections made to the disputed item.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the FCRA.

3.A detailed written response outlining the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

on XX/XX/XXXX, I called to have Genesis FS Card Services aka Milestone Mastercard removed the XXXX annual fee for this year and close the account so that I can pay the balance off and the customer service representative refused to removed the fee and close the account citing that I used the card at a vendor. I informed the representative that I used the card at XXXX on XXXX and the fee was placed on the card XX/XX/XXXX which is after the charge. I asked for a supervisor and the representative dropped the call. I want the company to remove the fee, close this account so that I can pay the balance off.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX charge off the account number is XXXX has 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 a account without my written instructions
Product: Checking or savings account

L am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft, and there was a bank inquiry from XXXX XXXX on XX/XX/2018. That I'm trying to get removed off my credit report and XXXX file - that caused an incorrect address on my personal file to appear from this XXXX XXXX inquiry. 

I have tried calling XXXX XXXX branch where the inquiry came from. I called the branch more than one time to try and resolve this as well as the fraud hotline. Nothing has been resolved. I have supplied documentation of what is on my credit file. On XX/XX/18 when I talked with the XXXX XXXX at XXXX XXXX - XXXX, he says there is nothing that they can do on their end. 

I talked with XXXX XXXX, and XXXX ( Branch Manager ) to resolve this issue at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX I want this issue resolved, want the inquiry removed off my credit report. I'm more than happy to supply copies of police reports, other documentation to support this. 


Thank you!