23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

RE : XXXX XXXX XXXX XXXX Client XXXX XXXX AND XXXX XXXX My Buyer/Your Client was purchasing a Waterfront Condominium and choose to take out his Mortgage with Wells Fargo. I the RE Agent accepted the PRE APPROVAL and submitted all the necessary Purchase Agreement and Doc 's ( dated XX/XX/XXXX) to XXXX XXXX at Wells Fargo and spoke to him while doing so on the phone at length about their process about my Buyer and Seller ( In Florida ). The Buyer received a Letter onXX/XX/XXXX, that his condo was in a Special Flood Plain. I had a Seller that owes nothing on his Waterfront Condo and a Buyer that had a very substantial down payment. My Seller was buying a Cash Condo with his proceeds and had one to purchase immediately. XXXX assured me that they could close early if everything in place. So we immediately got the inspection which went perfect and Wells Fargo ordered the Appraisal and that was completedXX/XX/XXXX and it appraised a little above the value. We had a LOMA in the process which the Buyer submitted to Wells Fargo. It takes about 60 days to get the elevation cert back and there is no way of expediting, so then had an elevation done and flood insurance ready to be put in place. Now there are 17 Condos in this complex with 11 Units that had their certifications in place. ( My Seller paid Cash ). I have been on top of this file since day one. 

XX/XX/XXXX, Wells Fargo knew this was in a flood plain and clearly dropped the ball on this by NOT ADDRESSING THIS ISSUE AND THEIR REGULATIONS THEN!! Buyer - Had a Loma Application and Elevation with Flood Insurance in Place -STANDARD PROCEDURE. 

ONXX/XX/XXXX ( Friday ), Now Ending of our Contract between Buyers and Sellers we receive the SELLERS STATEMENTS to review to CLOSE. On Monday Afternoon I RECEIVE AND EMAIL that this Loan is NOT LENDABLE.. Totally Unacceptable!!! 

I spent the next many hours, days and weeks holding this together with Hostile Buyers and Sellers which affected 4 deal 's. Finally after going to another LENDER, they find me the Rule Stated BY FEMA that we can close with an individual Policy in which I forwarded to WELLS FARGO and having a Civil Engineer speak to your office it took 68 DAYS to Close this LOAN. 

IT COST EVERYONE ( Realtors, Buyer, and Seller ) so much money for WELLS FARGO LACK OF CONCERN and PROFESSIONALS. I am requesting that money is paid back to everyone involved, to help relieve the undue stress in which they have been subjected to. 

I do not feel that WELL FARGO by making excuses for their timeline should be allowed to just walkway. They NEED TO BE ACCOUNTABLE AS A LENDING INSTITUTION and have key people and procedures in place to close a LOAN they Clearly Accepted. I have pages of emails to prove their Unprofessional and Uncaring Employees along with my Client and Myself that did NOT received call backs and/or emails and always being told that they were in a meeting, to address our Extensive Frustrating Situation that they CREATED!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan was deferred from XX/XX/XXXX to XX/XX/XXXX. However when I reviewed my credit report I noticed that my student loan was marked late every month from XX/XX/XXXX to XX/XX/XXXX ( for a total of 11 late payments that appear on all of my credit reports, with all three bureaus. The purpose of deferring a student loan is to protect borrowers credit rating until we are able to pay.
Product: Mortgage

I am XXXX yrs old and retired and my wife is XXXX yrs old and retired. 
We have lived in our home for XXXX years, raised our XXXX children here, and were enjoying relaxing in our declining years and playing with our precious grandchildren. 
In addition to this home and others we have owned during our working careers - we never missed any of our XXXX monthly payments for our various mortgages. 
In XXXX, XXXX American Home Mortgage Servicing , Inc. provided a loan modification giving us a new 40 year loan. 
In XXXX, XXXX Ocwen took over the loan. 
In XXXX, XXXX Ocwen added inspection fees to our monthly statementIn XXXX, XXXX Ocwen added more property inspection fees plus certified mail chargesIn XXXX, XXXX Ocwen added late payment fees and property valuation fees We disputed these adjustment to our contract and continued to provide the regular contract specified monthly payments. In XXXX, XXXX Ocwen Research Dept provided these details of our account from XXXX, XXXX through XXXX, XXXX : Property Valuation Fees - $ XXXXXXXXCertified Mail - $ XXXXXXXXLate Charge Fees - $ XXXXXXXXPrior Services Fees - $ XXXXXXXXProperty Inspection Fees - $ XXXXXXXXThroughout the ensuing months we have attempted to resolve this issue but Ocwen subjected us to these unkind tactics : - XXXX of phone calls ( at times up to XXXX per day ) - callers were from many countries outside the USA and never transferred our calls to a knowledgeable person at their US office. 
- callers would never have answers to our questions but insisted they needed payment- Ocwen issued additional charges for late payment penalty, property inspections, and other new charges not identified or explained. 
- Ocwen ruined our credit scores resulting in much higher interest rates when financing our purchases such as a new car. 
- Ocwen issued several " Default notices ''. 
- Ocwen has returned the last several of our loan payment checks in order to drive our amount past due up many XXXX of dollars. Seems this tactic was used to scare us and subsequently to justify foreclosure which was ominously mentioned in every letter- Now, last week, Ocwen has hired an attorney who has threatened foreclosure within 30 days. 

The stress caused by Ocwen over the past XXXX years XXXX. A XXXX, Ocwen 's harassment, lie 's, threats, failure to conduct business affairs in anything like fair treatment has brought my wife and I to a state of constant worry, fear, and total inability to either enjoy or even survive whatever days remain for us. 
I ask for your investigation of this company and hope you can bring us peace of mind by helping us to straighten out this situation and stop the foreclosure proceedings.
Product: Mortgage

An inquiry was made to my consumer report by Equifax Mortgage Services on XX/XX/2020 as a result of identity theft. I did not apply for a mortgage with Equifax Mortgage Services.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding inaccurate or incomplete information on my credit report. I have recently reviewed my credit profile and noticed that certain information, which should be reflected in my credit report, is not showing up.Despite being present in my credit profile, the following information is either missing or incorrect in my credit report : such as credit card accounts, loan history, or payment records.I have verified this information with the respective creditors or financial institutions, and they have confirmed that the data should be reported. However, this discrepancy is causing an inaccurate representation of my credit history and could potentially harm my credit score.I have attempted to resolve this issue by contacting the credit reporting agency, but I have not received a satisfactory resolution.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

My personal information was leaked by XXXX, XXXX and XXXX XXXX in data breaches I have no knowledge of any of the debt thats on my credit reports it is not my debt due to identity theft
Product: Money transfer, virtual currency, or money service

am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and discrepancies, my financial institution and Zelle failed to investigate my claims of adequate. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPDs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

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

XX/XX/2019 - XXXX XXXX XXXX XX/XX/2019 - XXXX XXXX   XXXX  XX/XX/2019 - XXXX XXXX XX/XX/2019 - XXXX XXXX The above are 4 credit inquiries that are negatively impacting my score
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against XXXX XXXX XXXX regarding account number XXXX. I believe that this company is attempting to collect a debt from me without having a valid license to operate as a debt collector in the state of Indiana. 

It is my understanding that under Indiana law, debt collectors are required to be licensed. The absence of a license raises significant legal concerns regarding their ability to pursue collection activities against me. 

I request that this matter be investigated, and I urge the immediate cessation of any collection efforts by XXXX XXXX XXXX. Furthermore, I ask that any negative information related to this account be removed from my credit report. 

Please be advised that if this issue is not resolved promptly, I may need to take legal action, which could result in seeking damages for violations of state law and recovery of attorney fees. 

I appreciate your attention to this matter and look forward to your prompt response. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had equifax remove a fraudulent collection about a month ago, and I noticed that they were reporting an account as open that has been paid in full about 2 years ago. Instead of removing the fraudulent report, they dropped my.credit score 58 points. Also, I have never received payment for the lawsuit that they sold 47 million people 's personal information on 2017. They are also showing a fraudulent medical bill on my credit report. It is my understanding that this type of bill would be part of my medical records and they have broken the law by accessing my medical records.
Product: Credit reporting

There is a medical bill in the amount of {$90.00}. This bill was paid by insurance. I paid the bill before they stated it would go to collections. The company still reported it to collections even though they stated they would not do so.
Product: Credit reporting or other personal consumer reports

I have an unauthorized inquiry from XXXX dated XX/XX/year>, I file an FTC report and mail in proper documents to Equifax and they refuse to remove the inquiry.
Product: Checking or savings account

My account has not been credited with a cash reward which, according to the offer terms, should have been credited. I applied for a Cash Management Account with Bank of America/XXXX XXXX on XX/XX/XXXX and was approved on XX/XX/XXXX. The terms of the relevant offer can be seen in the attached email ( attachment # XXXX ). I quote those terms below and briefly explain how I have met each of them./ You must enroll during account opening by entering the offer code in the online application during account opening or by providing it when speaking with a XXXX XXXX XXXX XXXX I have attached a printout from the online application screen showing that the offer code was applied ( attachment # XXXX ). / Fund your account with at least {$20000.00} in qualifying net new assets within 45 days of account opening. I funded my account with {$260000.00} in transferred assets on XX/XX/XXXX. See the attached page from my XXXX account statement ( attachment # XXXX )./ You must be enrolled in Preferred Rewards as of 90 days from meeting the funding criteria described in XXXX XXXX. I have been enrolled in Preferred Rewards since XX/XX/XXXX. See the attached screenshot with enrollment date highlighted ( attachment # XXXX )./ After 90 days from meeting the funding criteria described in XXXX XXXX, your cash reward will be determined by the qualifying net new assets in your account ( irrespective of any losses or gains due to trading or market volatility ) As I met the funding criteria on XX/XX/XXXX, adding 90 days results in a date of XX/XX/XXXX. On XX/XX/XXXX, and disregarding investment losses, my account had {$250000.00} in net new assets. See the attached page from my XXXX account statement ( attachment # XXXX ). / Your one-time cash reward will be credited to your IRA or XXXX within two weeks following the end of the 90 day period. As explained above, the 90-day period ended on XX/XX/XXXX for my account. So, the cash reward should have been credited within the following 14 days, i.e., by XX/XX/XXXX./ I have tried to resolve this issue already on several occasions : ( 1 ) I could not reach a XXXX agent by phone. I called XXXX at XXXX on XX/XX/XXXX ; was placed on hold ; and after XXXX minutes, while still on hold, was hung up on by XXXX automated system. ( 2 ) I mailed a letter on XX/XX/XXXX, containing the same information and attachments found in this complaint, sent to XXXX at XXXX XXXX XXXX XXXX, KY XXXX. I have not received a response. ( 3 ) I spoke with a BofA/XXXX  XXXX XXXX XX/XX/XXXX, who said they would reach out to the relevant people at XXXX about the issue.
Product: Credit card or prepaid card

Capital One credit card services charged {$10.00} for a {$30.00} transaction with XXXX XXXX on XXXX XXXX for financial services. Capital One said it was a cash advance. I never received any cash because the funds were collected by XXXX XXXX. No matter, several customer representatives explained that my agreement give then the right to charge a greater amount as opposed to a lower average fee for cash advances. And thus it was a XXXX XXXX, which I few a a very high rate of interest for a one day transaction. ( I had a {$15.00} credit on my account. ) After talking to several people, Capital One finally said the {$10.00} fee was for a wire transfer. I continued to argue that this was a simple credit card charge, and XXXX XXXX represented it as a credit card charge, not a wire transfer. They failed to explain what are the differences between a credit card and wire transaction. The both use the same wires. Besides, XXXX XXXX represents the charge as a credit card transaction. They were simply charging {$10.00} by renaming the transaction. 

The ref number and authorization code will beaded to the following field.
Product: Debt collection

I have received calls all year from Avant in an attempt to collect on an alleged debt. XX/XX/XXXX I sent them a validation of debt letter that the company received on XX/XX/2021. I also sent in an Affidavit of Truth letter as well that included an invoice for violations. XX/XX/2021 I called in and spoke to a supervisor and he stated he saw the letters and because the letters were still in review he could not provide any additional information to call back in 2 weeks. On XX/XX/2021 I called in once at XXXX XXXX  central time and was hung up on after being transferred 3 times and being on the call for over 43 minutes. The number that I called was XXXX. I called the XXXX number back at XXXX XXXX  central time and was transferred 2 times and was told to call another number after being on the call for over 22 minutes. I called the number they provided which was XXXX and I spoke to XXXX XXXX and she was the very first representative that actually tried to help resolve the problem. Unfortunately, she could not help but stated that she would escalate the problem to the Resolution Department.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like my fraud alerts removed from my Equifax credit report.
Product: Debt collection

This account does not belong to me. I do not know where this account came from but this is not my account.
Product: Checking or savings account

Capital One has failed to provide any help in releasing my paycheck via direct deposit
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 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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: Checking or savings account

I am XXXX XXXX XXXX. Myself as well as every other service member are paid through the same payroll. Somehow chime bank aka the XXXX XXXX XXXX XXXX XXXX XXXX has lost my direct deposit countless times or couldnt tell me where my funds were for now the fifth time. They continue to use the same generic customer service replies and not addressing the issue. This is third time that Ive been stranded, or late on bills and without means to take care of myself due to their negligence.
Product: Credit card or prepaid card

I made a on time payment to TJX card to synchrony bank on XX/XX/2021. On this new billing cycle I was charged a late fee of {$38.00} even though I had paid on time. I was told by a customer service rep with synchrony that I paid to early. I don't see anything on there statement that's says you are penalized for paying a credit card bill to early. The federal government needs to start cracking down on these greedy credit card companies who are out to make a profit and are fraudently charging customers late fees who pay on on time or early on there bill.
Product: Credit card or prepaid card

I have called, emailed, sent documents and I have just recently received a card! Since XXXX my account has been active and someone has been using it so every transaction is being disputed over XXXX dollars I also have a power of attorney but they refuse to talk to her about anything she has submitted paperwork to confirm this as well
Product: Credit reporting or other personal consumer reports

Bank of america is the only negative report on my credit. I explained this happened during a nasty court battle for child custody. They are killing my credit and refuse to budge. The entry is now over 7 years old.
Product: Checking or savings account

My sister passed away suddenly XX/XX/XXXX. In going through her belongings, I discovered an uncashed check ( {$6100.00} ). The check was issued by Chase bank in XXXX and is the balance of a closed bank account. I contacted Chase ; they indicated that they reported the funds to the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX ). I contacted the XXXX ; they did an extensive search and concluded : Chase never reported the funds as unclaimed. I contacted the New York State Attorney General 's Office ; they referred the matter to the New York State Department of Financial Services, which is currently investigating. The New York State Department of Financial Services also suggested that I contact the Consumer Financial Protection Bureau. 
If Chase indeed reported the funds to the XXXX, let them produce the documentation which supports their claims. My family will then present it to the XXXX, collect the funds, and the matter will be closed. 
Evidently, Chase has a nasty habit of not reporting unclaimed funds ; please hold them accountable.
Product: Mortgage

We entered a forbearance agreement as a result of lost employment because of the COVID-19 pandemic. We applied for a loan modification months ago. 60 days passed. We contacted Citizens and were told to not pay the mortgage while they had our application under review. Meanwhile, the loss prevention arm of the bank reported a missed payment to the credit agencies. We disputed. They denied the dispute.

We followed up again to inquire about the status of the loan modification. More than sixty days passed. They told us that our application had not been processed ; however, previously we were told to give them 60 days. 

We never received word about the loan modification. We submitted by email and via their online portal. We paid the mortgage. XXXX will be the third month since coming out of forbearance. 

We both are employed again and now we simply want to refinance to consolidate our loan to a 15 year mortgage, but we fear the late payment reporting will keep us from being able to achieve this goal. 

The communication from Citizens Bank has been extremely misleading. They have not communicated about our loan modification, even though they verbally promise that we will receive notification " within a week '' each time we call. 

We don't have a history of default prior to the pandemic. We feel as though their practices are dishonest and unethical. They refuse to listen to their own recorded calls, or follow their own policies. 

Thank you.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 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 XXXXXX/XX/XXXX
Product: Debt collection

the company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.