23daVinci/CFPB_Complaints huggingface dataset:
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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX : {$300.00} XXXX XXXX  XXXX Balance : {$30000.00} XXXX  XXXX Balance : - XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX XXXX : {$30000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Balance XXXX {$30000.00} XXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

I have reached out to CCB/Ulta twice now over the last couple of months and they have just ignored me, even though with my mail app, i know they received the letters. In short, i am/was begging for mercy on ONE late payment, late last year due to an illness, on a card i use regularly. I have been on time ever since and i was before as well, and they ignored me and my family 's hardship without even a response. I thought better of CCB honestly. I know the credit bureaus will work will report WHATEVER CCB tells them to, even XXXX XXXX XXXX helped me out during this dire time with a goodwill correction. That is all i was asking for and they could not even respond. It was for a late payment in XXXX of 2022 and i was asking forgivness for just this ONE month, actually begging for it, and was ignored. They should have to respond and say that they will be generous or they wont be. I will attach my two letters that were not responded to.
Product: Checking or savings account

Using an app connected to my bank account ..bank not refreshing status as often as they should
Product: Mortgage

Wells Fargo postures that they are in favor of keeping people in their homes. As per their website they participate in the federal government 's Home Affordable Modification Program where they " help keep people in their homes when facing a significant hardship '' where the borrower is " allowed to make lower payments. '' They offer " mortgage assistance events '' and state " we are here to help you. '' ASC recently assigned to me my own new " home preservation specialist '' there to offer " mortgage assistance ''. In XX/XX/XXXX as per their annual report, Wells Fargo " adjusted loan terms, lowered rates or reduced principal ( or a combination of the XXXX ) '' and " forgave XXXX in principal ( by far the industry leader. '' And in XX/XX/XXXX annual report Wells Fargo claims to have " forgiven more than XXXX in mortgage principal '' and hosted " more than XXXX home preservation events. " That is a stark contrast of what Wells Fargo recently did to my mortgage. In XXXX XXXX, Wells Fargo increased my total mortgage payment from {$4000.00} to {$5500.00} - an increase of {$1400.00}. This is a fixed rate loan of 7 % which is high to begin with. That is a whopping XXXX percent increase on a monthly payment. They increase escrow from XXXX to XXXX a whopping XXXX percent increase. Taxes and insurance did n't double in the last year. What they also did was increase the payoff portion of the loan by {$18000.00} a year and are sucking the equity out of the property and placing it into the " overdue payment '' portion of the loan. 
Wells Fargo is acting in bad faith here. They claim their goal is to keep people in their homes by participating in HAMP, offering home preservation events, assigning home preservation specialists and claiming to reduce XXXX in principal. The reality is they increased my monthly payment by XXXX percent, increased escrow by XXXX % and are adding {$18000.00} a year to my payoff amount each year even though taxes and insurance have not doubled. They are acting in bad faith here. They profess to perform actions to keep people in their homes but they increased payments and payoff amounts making it more difficult to make payments or refinance assuring that people will lose their homes. The CFPB recently found " The XXXX companies about which the CFPB received the most mortgage-related complaints between XXXX XXXX to XXXX XXXX were Wells Fargo, XXXX XXXX XXXX, XXXX, and XXXX XXXX. '' Wells Fargo 's antics are in bad faith. From jacking up payments to more than doubling escrow amounts to increasing payment by {$18000.00} is disgraceful and is counter to " keeping people in their homes. ''
Product: Mortgage

An initial application was taken out with Bank of America for a residential home mortgage was taken out on XX/XX/20. The original closing date was on XX/XX/20. The closing date was moved to XX/XX/20 with approval from Bank of America. Bank of America was supplied with all financial and title documents well in advised of the XX/XX/20 closing date. Bank of America was not able to provide the final proper Closing Disclosure documents until AFTER the moving date of XX/XX/20. I ( and my real estate attorney ) were unable to reach ANY Bank of America representative by phone or email to obtain an update in obtaining the proper final Closing Disclosure timely. It is my Complaint that Bank of America failed to adhere to TRID Guidelines in providing me with the prior Final Disclosure documents at least three business days prior to my closing causing agravation on my part and the seller, additional costs and fees that were incurred. While I understand recognize the environment of the Covid-19 epidemic, the fact that Bank of America was unreachable is inexcusable, nprofessional and bad business practices.
Product: Credit reporting or other personal consumer reports

This below mortgage account is still ACTIVE and NOT DISCHARGED THROUGH XXXX  XXXX AT ALL. I am currently paying and account is still ACTIVE and I am paying on time my mortgage payment to the mortgage company. Experian has totally INCORRECT information about this mortgage account indicating that it was discharged through XXXX  7 but its not so I am here requesting that they need to correct that incorrect information please. 

XXXX XXXX XXXX Your information may have changed since XX/XX/XXXX View your current credit report Account info Account name XXXX XXXX XXXX Account number XXXX Account type Mortgage Responsibility Individual Date opened XX/XX/XXXX STATUS XXXX THROUGH BANKRUPTCY XXXX  XXXX. 
STATUS UPDATED XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment - Original balance {$250000.00} Highest balance - Terms - On record until XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

The unverified ITEMS indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these ITEMS to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following ITEMS to be DELETED from my file right away XXXX XXXX XXXXXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX XXXX account XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : Also states that a consumer reporting agency can not furnish an account activity without my written consent.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received a text about authorizing a XXXX transaction and I declined. I called my bank and at the same time the exact number I was calling was incoming so I picked up the incoming call from XXXX ( Ally Bank customer service ) the posed as the bank and said I needed to reverse the charge and gave me a name. I again at this point confirmed the phone number was my bank number and authorized - they had all my credentials to get into my account - a few hours later I called my bank and found out they did not in fact call me and we shut my accounts down and opened an investigation - the following day I received XXXX calls from XXXX I did not answer and called the bank only XXXX of those XXXX calls were truly Ally. I had it change my cell, email, bank accounts and all credit cards. Filed a police report. This took time away from my job and hours of stress throughout the entire investigation which was from XX/XX/XXXX - XX/XX/XXXX. 

Ally bank came to the conclusion that I authorized the transaction and would not honor my dispute and I was out $ XXXX. The letter I received also stated the receiver provided information stating the transaction was authorized. That statement there is concerning so they contacted the criminal?
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/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: Credit reporting

I am at my wit 's end with disputing with the bureaus. I have already made complaints regarding the fact that the bureaus DELETED accounts that I was only asking for verification on the late payments and they will not put them back when it was their error. There were also XXXX accounts that I disputed in error and they removed them ; when I asked for them to re-add them they stated that they would not and will not add information given by 3rd parities. I sent them the proof that it was on my file in the first place and they still will not add them back to my file. I also have XXXX derogatory accounts remaining on my file that they continue to say are " verified '' when I know that they are not. Not only that, but they have failed to provide documentation legally verifying those XXXX accounts as required under sections 1681, 609 and 61a5Ai.
Product: Money transfer, virtual currency, or money service

i am enrolled with XXXX  and have money saved to pay bills. My PNC bank will not let XXXX  through to my checking account.
Product: Mortgage

On XX/XX/XXXX my insurance was due for my home. I received a notice saying that the insurance was cancelled due to nonpayment. I have an escrow account with Nationstar/Mr. Cooper and learned that they mailed the payment on the actual due date/cancellation date and not when they received the renewal notice. I had to pay out of pocket to get my policy reinstated and they assured me it wouldn't happen again. 

A year later XXXX, I was notified again that my insurance had been cancelled due to nonpayment. Again, the funds were not distributed from my escrow account on time by my mortgage company. 

For the years XXXX, XXXX, XXXX, and XXXX, I have been paying out of pocket to make sure that my insurance is no longer cancelled. I have to wait for reimbursement from the insurance company. 

I called to ask if I could have the insurance portion of my escrow removed since Nationstar/MrCooper have repeatedly failed to pay the insurance policy on time for 5 years despite the fact that I have an escrow account with them with an insurance portion. 

They told me that I would have to refinance my loan to possibly get the escrow portion removed instead of actually being responsible for paying the insurance on time before it cancels. This makes XXXX sense. 

I have demonstrated my ability to handle my own insurance payments ON TIME when they have not and they should be able to remove the escrow or actually figure out how to pay this on time.

The sole purpose of having an escrow account is so that the lender can make sure that taxes and insurance are being paid out on time to protect OUR investment. It seems to me that Nationstar/Mr.Cooper is trying to entrap me into being locked into one of their insurance products rather than paying for the one that I have had before my loan being purchased by them from another lender. 

Beware of Mr.Cooper/Nationstar mortgage. There are hundreds of bad reviews that can be XXXX  about this company, including their XXXX page. My only piece of advice is to make sure you check your statements monthly and stay on top of how your payments and insurance/taxes are being applied and or disbursed or you can get behind or be riddled with policy cancellations, late fees or more.
Product: Student loan

My students loans loans were forgiven. The balance are XXXX. However it is still reflecting a balance of over XXXX on my XXXX and experian credit report. I have tried to reach out to department of education and Moehla several times to correct this. Each time i am given a generic response and the issue is never resolved. This has been going on for months now and its extremely frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 Equifax and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX XXXX Date Opened : XX/XX/2012 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I've spoken with XXXX representatives and told them to remove EVERY address except my current address. The other addresses are NON-MAILABLE addresses and they are all incorrect. I've asked them to remove ALL phone numbers except my current number. I was told this would be done and it has not been taken care of. I've told them to remove inquiries on my report/s because they were not authorized. I do not approve of or authorize the sharing of my supposed credit history and my personal information. I am going to pursue this legally but this is my second step in seeking remedy. My credit score should be at least a XXXX. Any charge-offs are considered discharged and this is considered income and should not be on my report. I'm building a case. Experian, XXXX, XXXX. They're all on notice. My name is copyrighted, they are infringing on my copyright. They are in dishonor.
Product: Mortgage

I did a reverse mortgage back on XXXX XXXX XXXX. With A company call Financial Freedom which is a reverse mortgage specialist. they say they placed homeowners insurance on my home on XXXX XXXX, XXXX thru XXXX XXXX, XXXX had placed my own insurance on my house thru State farm on XXXX/XXXX/XXXX and is still paying it today. I have forwarded all my info to them including my health documents and my age being XXXX. Now they are trying to foreclose on my home saying I would n't pay when in fact I was paying XXXX monthly then all of a sudden the payments started being returned back to me. Now they do n't want to accept a payment plan from me at all so therefore I am filing a complaint against this company. I placed my own insurance on my property at the time of the loan with XXXX, then at the time of renewal they would not cover the house due to the age and structure of the house. This was XXXX thru XXXX. I got my house totally repaired and placed insurance on it XXXX XXXX thru today. I made payments to financial freedom until the monies owed on the insurance was paid back and they started sending the payments back to me. this is what as explained to my daughter XXXX XXXX XXXX, who is on my account to talk on my behalf. at XXXX
Product: Debt collection

My complaint is with Sears Master Card XXXX XXXX XXXX, XXXX XXXX, SD XXXX.They changed the limit of {$250.00}. The XX/XX/XXXX statement came with a balance of XXXX. I called and they said the limit went up to {$350.00}. I contacted them but they still said I am responsible because the computer does this automatically. I did not receive that letter until after the fact ( I am have my mail monitored by the USPS because we have not been receiving our mail ). I called to stop the charges immediately and I paid the {$250.00} I agreed upon initially but said I will pursue this further. Then I received another bill on the XX/XX/XXXX for {$460.00} which did not reflect the {$250.00}. The next statement for was XX/XX/XXXX was for {$260.00}. I explained to many representatives and the Acceleration Dept. that I am XXXX XXXX XXXX, on Social Security and working part time. The charges went for resumes for work and the fees for resumes are flexible which drove the bill past {$250.00} which I thought was the limit. I challenge anyone to tell me that they read every long microscopic detail of the credit card company 's explanation for why they are doing me a favor changing my credit limit. 
Supposedly, I have been a valued member of this company since 2011 and been paying my bill promptly since then. I received a letter on XX/XX/XXXX from XXXX XXXX, Executive Response Unit - XXXX I appeal to you for help
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Equifax several times this month in regards to several inaccuracies in my consumer report that has been causing me mental anguish. I informed the agent that the previous agent did not include the information there was a result as fraud and identity theft ( all required documentation was provided ) and per 15 U.S.C. 1681c-2, that information shall be blocked and taken care of within for days. I checked again 4 days later and the same inaccuracies remain on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA Everything has to be 100 % accurate on my credit report. The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed multiple inquries on my credit report with all 3 bureaus ( XXXX, XXXX & Experian ) that I did n't recognize. I sent each bureau a letter in writing advising I did n't authorize the inquries. I also noticed that on XXXX alerted me that my personal info was sold on some black marker website. I need all of those inquiries on my report removed. The only inquries that I authorized were my mortgage from XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate removal of my previous address from my credit report. I have recently reviewed my credit report and discovered that an outdated address XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX is still listed under my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

WellsFargo shows that I have an open account line of credit with them that is not paid for 6+ years. I called wells I spoke to XXXX on XX/XX/XXXX XXXX XXXX gave them my SSN # and XXXX told me there is no account attached to my SSN that I should call the 3 credit bureaus and report the issue. On XX/XX/XXXX I filed the dispute, today XX/XX/XXXX The report came back from XXXX I can not get a definitive answer on why it is not coming off my account. So I need help with removing this off my credit score. Also in the 6+ years since my wife has filed this bankruptcy, I never received any paperwork or bills from wells fargo. On my XXXX XXXX it shows that the account is closed but seems to be open I just can get clear information.
Product: Credit card or prepaid card

Several fraudulent charges made from XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX {$61.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$79.00} XX/XX/XXXX XXXX XXXX {$53.00} XX/XX/XXXX XXXX {$22.00} XX/XX/XXXX XXXX {$1.00} XXXX {$130.00} XXXX XXXX {$120.00} XXXX XXXX {$120.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following creditors have violated my rights. 
XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number : XXXX 15 U.S.C 1681 section 602 A., state I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also state a consumer reporting agency can not furnish a account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX along with 8 hard inquires which icludes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX XXXX XXXX all these are fraudulent accounts I am a college student and was not concerned about my credit now that I am it seems someone has been using my information for several years and I would like it to stop