23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Despite having the total amount prepared for my loan, Carrington Mortgage Services has been unwilling to accept payment, creating confusion and hindering my ability to resolve the situation promptly. 

Wire Transfer Issues : I was initially told an option was to send the money in via wire. When attempting to send payment via wire transfer, I encountered difficulties and conflicting instructions ; I called back their support and was told that I could not send the money via wire and that it would not be accepted. 

Suggested Mailing Despite Imminent Foreclosure : I was advised to mail in the payment despite the property being on the verge of foreclosure the following day. This advice seems contradictory and raises concerns about the effectiveness of such a payment method under urgent circumstances. 

Lack of Timely Notifications : I did not receive any notifications via email, mail, or phone call regarding late charges, impending foreclosure, or the initiation of the foreclosure process. This lack of communication has added to the complexity of the situation.
Product: Checking or savings account

I transferred money from my chase checking account into my XXXX checking account. Chase froze my existing account due to fraud suspicions. After multiple phone calls the team told me twice the account would be unfrozen. After a week or so of XXXX access to my account I was then told the account was closed. I walked into a chase branch to understand the issue. The branch employee told me the account was closed and that chase would be sending me a check for the amount remaining in my account. Its now been over a month and I have no access to my money
Product: Credit reporting, credit repair services, or other personal consumer reports

not mine : fcra not mine : XXXX XXXX XXXX This request can not be processed online. XXXX  maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX This request can not be processed online. XXXX  maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX J XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Here is what I have sent to Equifax : I have been able for over a week to get online to release our credit reports. Temporarily unavailable. 
So I phone and get email addresses that are returned : Unrouteable address when sent to either XXXX or XXXX. I have transcripts of these calls on my Caption Call phone. 

Heres what we need : Please release the credit reports for my wife and myself in the next or two. We are trying to close a home loan. I have previously faxed the information to Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently on a Cares Act Forbearance with my mortgage company, Idaho Housing and Financial Association dba XXXX. This company is reporting my mortgage late each and every month to all three credit bureaus. Under the Cares Act, it states they are supposed to report as paid on time or in forbearance. In which this Company hasn't done either. They are not complying with the Forbearance guidelines. 
I have called and emailed them with no resolution. The company refused to update the account.
Product: Payday loan, title loan, or personal loan

My payment was due on XX/XX/XXXX. I schedule payment for XX/XX/XXXX to save a few dollars on interest but the online system wouldnt allow me to payoff for the XXXX or XXXX of XXXX. After reaching out to customer service. A supervisor stated I couldnt change the payment date or cancel regular payment to payoff earlier because it was sent to the bank to be ach on XX/XX/XXXX. Three days before due date to hit account on Monday XX/XX/XXXX. The supervisor explained he was going to reversed the second payment to equal up to my actual payoff of XXXX to be scheduled on XX/XX/XXXX. However on Monday XX/XX/XXXX. I have a remaining bal of XXXX and was told by the representative that the higher ups wouldnt accept the second payment that on my account and I was responsible for the remaining payment. 
I have paid XXXX this loan. If the company wouldnt submitted the payment 3 days earlier I couldve paid the payoff on before or before the date due. Interest is adding daily on the balance that supposed to been XXXX. 
I have talk to several representative and I am being told the pay off wasnt accepted that the supervisor submitted due to the fact the ( supervisor ) quote me the incorrect amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

On about between 2 years filed 20 times for target 5 % red card denied 20 times because of lack of credit. Equifax information service sent target credit report and did not send me one.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction with the continued presence of fraudulent items on my account despite previous attempts to address and rectify this issue. 

Despite assurances and promises of resolution, I regret to inform you that the fraudulent items persist on my account, causing not only financial strain but also significant distress and inconvenience. This failure to rectify the situation in a timely manner reflects poorly on your organization 's commitment to customer satisfaction and undermines the trust I have placed in your services. 

It is imperative that immediate action is taken to investigate and remove these fraudulent items from my account. I expect a comprehensive response outlining the steps that will be taken to address this matter promptly and effectively. Furthermore, I request assurance that measures will be implemented to prevent similar occurrences in the future. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$490.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX : {$1300.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$490.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1300.00} XXXX  XXXX Balance : {$670.00} XXXX  XXXX XXXX : {$740.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX 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 Balance XXXX {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance XXXX {$490.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I communicated to Caine & Weiner via email on XX/XX/2021 that this account belonged to my ex-husband but was mistakenly reporting my credit report. The Team Lead at Caine & Weiner agreed to delete the account once paid as a courtesy deletion. I am not legally responsible for my ex-husband 's payment ; however, I agreed to pay the balance because it affected my credit report and was not very expensive. I submitted an XXXX dispute, and after the investigation, XXXX UPDATED the collection item instead of deleting it. I am including written correspondence from Caine & Weiner where they agreed to request that all three credit bureaus delete the item as a courtesy deletion. My complaint with XXXX is related to their investigation - now I have to wait an additional 30 days to have this information removed from my credit report.
Product: Checking or savings account

Below you will notice the unauthorized transactions which were charged to my Wells Fargo by two companies that I never did business with. The charges were made on the XX/XX/XXXX by two companies for a total of {$970.00}. I attempted to file a claim with by contacting the Wells Fargo fraud department, but they ended up adding additional charges to the fraud claim which I did n't ask and that error led to the bank denying the claim. I contacted the companies that charged my bank account for the two charges and they informed me that I would have had to deal with my bank about the situation. I also attempted to refile the claim at my local as well as over the phone, but nothing got resolved. The fraud claim agents from Wells Fargo bank were extremely rude towards me when I attempted to explain to them the factors which led to the fraudulent charges and they did n't see to care. I would like Wells Fargo bank to refund me the total sum of {$970.00} which was stolen from my bank account. XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL  XXXX CARD XXXX {$130.00} XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CARD XXXX {$840.00} = {$970.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 there was an unauthorized hard inquiry placed on my credit profile by OneMain. I've been sent numerous solicitations from the company regarding loan opportunities and it having no impact to your credit score. I never authorized a hard inquiry into my credit profile.
Product: Mortgage

Date XX/XX/XXXX Dear, Consumer Financial Protection Bureau ( CFPB ), I hope this message finds you well. I am writing to bring to your attention some discrepancies in my mortgage account with Select Portfolio Servicing ( SPS ) that have arisen following my participation in the Illinois Homeowner Assistance Fund program. 
Upon approval for assistance from the Illinois Homeowner Assistance Fund, I was approved for {$60000.00} on XX/XX/XXXX, with the understanding that this amount would be used to bring my mortgage account current and prevent foreclosure. The Illinois Homeowner Assistance Fund advised me to obtain a letter from SPS stating the full amount required, and according to their guidance, I needed {$57000.00} to prevent the foreclosure sale scheduled for XXXX XXXX XXXX 

After the Illinois Homeowner Assistance Fund paid SPS, my account still displayed a negative balance of {$1800.00}. SPS explained that this discrepancy was due to omitted attorney 's fees from XXXX  despite my payment of over {$17000.00} to resolve the XXXX foreclosure. In my XX/XX/XXXX, mortgage statement, attorney 's fees had risen to {$3200.00}, identified as foreclosure fees from XXXX. I promptly disputed this charge, and despite waiting for 60 days, I am dissatisfied with SPS 's explanation. 
I am requesting a full mortgage loan investigation to address the discrepancies in my account. It is concerning that SPS retroactively added fees that I had already paid, leading to a negative balance. This has created a lack of trust, and I fear that fraudulent charges may persist. 

I disagree with SPS 's explanation of additional fees being added to my account and would appreciate your urgent attention to this matter. If hiring an attorney is necessary to uncover the truth, please advise accordingly. My primary goal is to have the {$3200.00} removed from my account and to prevent the addition of charges that do not legitimately exist.

I believe it is crucial for SPS to honor the agreement made with the Illinois Homeowner Assistance Fund, wherein my account was expected to return to regular monthly payments after the payment of {$57000.00}. 

Thank you for your time and attention to this matter. I look forward to hearing from you soon to resolve these issues and restore the integrity of my mortgage account. 

Sincerely, Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX XXXX
Product: Debt collection

XXXX has continued to report these XXXX debts on my XXXX & XXXX credit report. I have continually sent request for validation to them and disputed the information with the various credit agencies. They continue to ignore and not comply with the request. The lack of compliance on their part is causing harm to my finances. I request that since they have not complied with these request that they stop anymore reporting of this line. And remove or delete it from my credit reports. So that I may not be burdened with this issue now or in the future.
Product: Mortgage

An application was submitted for a mortgage modification. For the past three months the account has been under review for mortgage assistance. Though there was a point of contact assigned to the case, XXXX XXXX, I did not hear from him until the complaint was filed with the XXXX. Prior to that time, I was calling and leaving voice messages but there was no response from him. I was also leaving messages in the account portal. There was never any clear or concise information about the loan ; just told it was under review. Just a complete runaround experience! Then the application was allegedly denied but then I was told that information was incorrect and that the application was still under review. During this time, my credit was being adversely affected. When I initially inquired about this, I was told that it was at the lenders ' discretion to report the late payments- which didn't make much sense since I was obviously in dire need of mortgage assistance. However, after speaking with the XXXX XXXX Department, I was advised that the adverse reporting would be reversed once the application was approved. It has now been approved and in light of this unsatisfactory application process that prompted a XXXX complaint, I am requesting for the negative reporting to be removed from my credit profile.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act-The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX # XXXXXXXX XXXX # XXXXXXXX XXXX XXXX # ( NOT MY ACCOUNT ) XXXX # XXXX XXXX XXXX XXXX NOT MY ACCOUNT ) of XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # 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 States- a consumer reporting agency can not furnish a 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 Any other adverse item of information, other than records of convictions of crimes which antedates the r4eport by more than seven years. 15 U.S.C 1681 a-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 information is inaccurate.
Product: Credit card or prepaid card

Chase has made it difficult for consumers by taking making it difficult for consumers to setup automatic payments. In order to enroll in automatic payments users now have to login to their online banking and even then there are only two options : 1 ) minimum payment 2 ) XXXX payment - a partial payment for spending categories Chase that identifies as a category for consumers to make installment payments. 

What happened to pay in full? This is no longer an option on the App and on the website for automatic payments. This is going backwards and not moving forward. 

Chase is taking advantage of a consumers busy life where automatic payments have made a significant reduction to their late fee income and " banking '' on the fact that consumers like me forget to login and make a payment in full.
Product: Credit card

I hope this communication expressing my desires, needs, and information regarding the consumer reporting agencies finds you well. 
I am writing to give a formal complaint and notice regarding the consumer reporting agencies running and reporting accounts on my file without following the orders regarding the accounts. I have been attempting to have these accounts updated, amended, adjusted, and status corrected on my reports. The failure to follow the federal law in regards to my written consent, authorization in reporting information on my files without proper due diligence and this is causing me severe harm and damage as I am to exercise my power and right as a living man to operate in the commercial space. I have received the 1099c and the certificate of discharge court ordered and officially reported as settled and forgiven. The creditors are no longer able to report inaccurate and items that have no consent from the consumer. 
Please see the attached 1099c and now the creditor can not collect on the debt as it is forgiven and all forgiven debts are considered as income and income can not be reported own any consumer file. I am in need of these accounts to be updated and to update all the inaccurate transactions and payment history being missed and mis reported as I have never been late on any payment, I have never missed a payment, any closed accounts without my written consent is unlawful. I have attached the proof that these accounts are setttled and paid. These agencies need to promptly update the records and send me all new reports sand updated consumer scores and updated reports mailed to my location. 

I am being patient and now my patience has runneth over and I am being harmed injured and damaged. I need these agencies to take responsibility for their actions. I will need the enforcement and regulations of consumer protection laws to be enforced. I am due remedy, compensation, and inconvienence pay for taking my limited time to deal with this for over a year and they do nothing and its not acceptable and I will be reporting the violations as each consumer report that has any unauthorized charge or reporting a violation charge to me for the negative reporting against my accounts.
Product: Credit card or prepaid card

On XX/XX/2021 I signed up online for a service from a merchant call XXXX XXXX. They sent me an email of a billing summary in the amount of {$95.00} also stating it was not billed yet. I reviewed my credit card statement on XX/XX/2021 and notice two charges of {$95.00} and {$94.00} post dated for XX/XX/2021. I contacted the merchant on XX/XX/2021 to request a refund because I didnt received a contract, receipt or services for what I paid for. The merchant refused me a refund stating they only issue refunds within 48hrs after reporting my rent to the credit bureaus. My rent was not reported, I didnt received what I paid for, I was charge and refused a refund. I contacted my credit card company Navy Federal to dispute the charges given the explanation above. Navy Federal requested supporting documents ( contract, receipts, terms and condition, communication trail ). I gave Navy Federal the only email I received from XXXX XXXX of the supposed billing summary not billed and the screenshot of the call I made to XXXX XXXX as XXXX XXXX didnt provide me with a contract or receipt for what they billed me for. My resolution is not being resolved between both parties and XXXX XXXX took nearly {$200.00} from my family mouth with nothing to show for it.
Product: Credit card or prepaid card

Credit card- MasterCard through Synchrony bank through XXXX XXXX XXXX. 

I purchased a flight on XX/XX//19 I went to use the card to purchase gas on XXXX19- declined. 
I went to purchase food on XXXX19- declined. 

I call synchrony bank on XXXX19- they informed me that I authorized closing my account and wanted a new card issued. I could not understand the agent I was speaking with and she refused to transfer me to management/etc. 

I called today, XXXX19- and asked to speak to the fraud department. 
I was told by Synchrony Bank : on XXXX/19- a person claiming to be me, called from my cell phone number which is linked to my account- said I lost my card, I had a death in the family and needed a new card expedited to me- at my current address. This person was able to answer all security questions to verify it was the primary card holder. 
They said they have a recording ... but I was not allowed to listen to it. 

I told the fraud department I did NOT call them on XXXX -- I did not loose my cell phone or any personal information. I did not authorize anyone to call on my behalf. 
They said they mailed the new card out on XX/XX//19. To this date ( XX/XX//19 ) I have yet receive this new card I did not authorize. 

So- synchrony bank is closing the new card account ( as someone has intercepted my mail and has the new card and activated it ) -- - and is sending me a NEW card via XXXX  with signature needed for delivery. 

They said they will update my security but did not ask for different questions. 

I am absolutely terrified that someone can do this ... Call from my cell phone number without having my actual cell phone ; pose as the primary card holder, shut down the account and ask for a new card to be expedited, and then intercept my mail to get the new card and activate it. I was never once notified by synchrony bank that my account had been closed/a new card had been issued/or that I even called to close the account.
Product: Credit card or prepaid card

Truist Bank of XXXX NC has destroyed my Personal Identity on the Current XXXX Credit File in the Claimant that is Initiating this Criminal Investigation into Fraud on XXXX XXXX XXXX with Impunity with XXXX XXXX of XXXXTruist Fraud Resolution Specialist and North Carolina Commissioner of Banks XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX FBI XXXX XXXX XXXXXXXX Credit File Fraud Specialist XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Investigate with Impunity Immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to notify you of the violation of my rights under Federal law. Understand that if these accounts are not removed from my report immediately, I will take legal action against you as my right under federal law.