23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am about to lose my house due to Wells Fargo 's XXXX scam. In the mid XXXX Wells Fargo forced any buyer they could without 20 % down payment into double mortgages with the 2nd mortgage at a very high interest rate, then refused to refinance them. Thousands of homeowners were victims of this scam. I was forced into one of these mortgages in XXXX at 8.62 percent, signing only on the proviso that that loan would be refinanced the following year. I have been trying since XXXX to get this loan refinanced, with different excuses every time. When I could no longer continue paying it, they refused attempts to set up a payment plan, refinance or modify the loan, now threatening to foreclose even though my first mortgage is current and I have never missed a payment. ADMINISTRATIVE ACTION NEEDS TO BE TAKEN IMMEDIATELY TO REQUIRE WELLS FARGO TO REFINANCE THESE LOANS ON ANY HARP OR HAMP ELIGIBLE HOME. 
Wells Fargo deliberately ignored a request for a refinance or modification through Senator XXXX office until such time as my unemployment ran out and then claimed they could not trefinance because I did not have a regular source of income. After a CFPB complaint, they then started six months of " research '' on the fraudulent origination of this loan, coming back with a claim that I had been given this loan due to an insufficient down payment, a claim that I immediately provided documentation to refute. A second modification application done through a highly reputable housing counselor was denied because I only had self-employment income. The Wells Fargo single point of contact deliberately drew out a fact finding inquiry so that I could not appeal. By drawing out this process and refusing earlier refinance attempts when I was working, Wells Fargo has created a situation where I am now near four months behind on the loan. Wells Fargo has refused all attempts at modifications, based on income guidelines above what I have earned for most of the time I have owned the house. 
Most of the research on this loan has been done by XXXX XXXX, who calls me regularly to " make sure we are on the same page '' and then make statements about me or the loan that I know to be false. I put over 5 % down on the house on the advice of a Wells Fargo Prosperity agent, more than the required down payment on the house then and an acceptable down payment today yet they claim they insisted on the XXXX origination because I " did not have sufficient down payment. '' On XXXX XXXX XXXX, I sent another letter through Senator XXXX requesting modification and other forms of relief. This has been ignored. Please intervene to address this situation.
Product: Debt collection

Again, this complaint is directly related to several past complaints against Portfolio Recovery Associates. Most recently, complaint # XXXX filed on XX/XX/XXXX and received response back from company on XX/XX/XXXX. This new complaint is in response to this recent complaint. After reading the companys response, which was vastly misleading, false and inaccurate, my response was as written in attachment. This company has a history of abuse, false reporting, misleading statements and filings all viewable on the department of consumer affairs website. These violations of intimidation, deception, and illegal debt collection tactics was a direct response Ive received from the CFPB XXXX, XXXX XXXX. In this recent complaint, after sending my response, I also made it crystal clear in bold, to portfolio Recovery Associates, after already receiving a cease and desist demand letter and debt verification letters in XX/XX/XXXX as mentioned in my complaint, I finished my response with, DO NOT CONTACT ME in any form to this alleged debt Portfolio recovery associates was already officially notified in a certified letters on XX/XX/XXXX and received per signature card as proof. Now with this recent complaint, Ive demanded this again as seen in attachments. Today, XX/XX/XXXX just one day after sending my response on XX/XX/XXXX portfolio recovery associates has CALLED MY HOME PHONE on XX/XX/XXXX @ XXXX XXXX  EST and then again on my cell phone @ XXXX XXXX  EST. Again, against my demand in both written and in this most recent complaint, continue to violate the Federal Fair Credit Reporting Act and my rights again. Im demanding the Department of consumer affairs take serious action against this company for violating my rights and the law again and again. As in past complaints and being fined XXXX  of dollars for this same behavior, portfolio recovery associates has not learned the law or stopped this unethical behavior and illegal business practices. I will consult with an attorney for violating my rights over and over. This recent violation of calling my home where this company just responded that they would stop all future communication with me, only the next day to harass and intimidate me is such a slap in the face of law and time, the consumers rights. Again, I ask the department of consumer affairs to take drastic action at this time.
Product: Mortgage

I applied for a mortgage with the First Time Home Buyers Assistance Program with XXXX XXXX of Watson Mortgage. I was transparent with him about that fact that my previous home had been foreclosed three years prior. He told me I still qualified. He had me go through the entire process which included placing an offer on a home, paying for the inspection, credit report and appraisal which totaled {$940.00}. When it came to the last two weeks ( at this point I was two months into the process ) he notified me that my income was too high for the down payment assistance program. He said the reason for this was that my loan had to be changed from an FHA to a Conventional due to the foreclosure ( which I had told him about during our very first conversation two months prior ). Without the down payment assistance I was not able to purchase the home. He was aware during the entire process that I would n't be able to purchase the home without the assistance. I spoke with XXXXXXXX XXXX superior who informed me that although XXXX was wrong in putting me through the process, he would not be refunding my expenses. At that point he gave me his superiour 's name and phone number. I called and left a voicemail but he has yet to return my call.
Product: Debt collection

NOTICE OF RESCISSION XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois [ XXXX ] XXXX XXXX XXXX XXXX ( XXXX  ) & XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Agent ) CARVANA, LLC XXXX XXXX XXXX XXXX XXXX XXXX, AZ 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 AZ XXXX XXXX RE : Consumer Credit Transaction for XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( XXXX ) & XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Agent ) : Pursuant to TILA, 15 USC 1635 and Regulation Z, 12 CFR 226.23, I hereby exercise my right to rescind the Transaction with Carvana, LLC identified above. The primary basis of the rescission is that [ I was not provided with a completed copy of the notice to rescind the consumer credit transaction, in VIOLATION of 15 USC 1635 ( a ), Regulation Z, 12 CFR 226.17 and 226.23 ] Pursuant to TILA and Regulation Z, you have now been put on notice and have 20 days to return all money paid including the finance charge disguised as a down payment of {$11000.00} which is the sum of ALL PAYMENTS pursuant to 15 USC 1605 ( a ). Carvana, LLC did not provide proper material disclosures as to how Carvana, LLC came up with the method of determining the finance charge pursuant to 15 USC 1602 ( v ). Also, you have 20 days to take necessary and appropriate actions to terminate any security interest and at once will grant me all rights & titles to that of my vehicle. Exercising my Right to Rescind automatically voids this transaction by operation of law upon rescission under 15 USC 1635 ( b ). Therefore, any attempt to report this consumer credit transaction to a credit agency is a willful violation of TILA and the FCRA, 15 USC 1681a. 
Please note that returning the property is impractical and inequitable therefore the decision to maintain possession of the property is being made without recourse pursuant to TILA, Regulation Z 12 CFR 1026. Please, contact me at my email address, XXXX to arrange the delivery to me of all money paid under this fraudulent credit consumer transaction. Additionally, please mail me confirmation that the credit consumer transaction has been voided and no negative information will be reported to the credit bureaus with respect to this matter.
Product: Mortgage

XXXX  applied an impound account to our mortgage due to unpaid property taxes (  XXXX  ). These taxes were included in our bankruptcy and should not have been paid to  XXXX . Our attorney opened a motion with the courts and  XXXX  then removed the impound account. Looking back at our monthly payments with   XXXX   during the time they applied the impound account it looks as if they miss applied the funds making it look as if we were a month behind. Moving forward  XXXX   sold to Green Tree and then to Ditech. O ur final payment to  XXXX  was on  XXXX / XXXX /  XXXX   but was applied to  XXXX  instead of  XXXX . We were still in bankruptcy so we were unaware of this, as this is not noted on any of our statements. At the end of our bankruptcy in  XXXX  we were contacted b y Ditech sayi ng we were 30 days late on our payment. We have disputed this with  XXXX ,  Green Tree and Ditech. Nobody from any of these companies have given us a date as to when a   payment was missed. It all started during the escrow impound account that   XXXX    imposed on our account. We have bank statements showing all payments were made. There should be no late payments reporting in   XXXX  . Please review proof of payment history and Bankruptcy documents.
Product: Checking or savings account

On XXXXXXX, i made a mobile deposit check # XXXX, Amount {$1500.00}. This check was from the president of our company, it was a XXXX check which is local and the funds were available. ( I am the controller of the company as well ). I received an email from XXXX Bank that the deposit was on hold until XXXXXXX, with no reason or explanation. I called the XXXX number and they could not tell me why it was on hold, she noted maybe they tried to pull the funds and they were not available. ( i highly doubt that was the case, he runs a XXXX M dollar company ). I asked if they contacted XXXX to confirm the check was okay to process, they claim they can not do that. I then asked to speak to a manager, and was transferred to a supervisor, whom i gave her the number for XXXX and asked her to call to verify the funds and remove the hold. She advised me that they cant remove a hold, no matter what, there is nothing i can do. My mortgage is now 2 weeks late and i am receiving late fees. All due to them putting the deposit on hold. 
I am very unhappy with this and find it hard to believe that once a hold is put on a deposit it ca n't be removed. Ever!. That does not make sense to me. and they did not give me a viable reason and noone was able to assist. I will NEVER use Huntington Bank and i feel they should reimburse me for all late fees, finance charges and time that i have spent during work on the phone with them.
Product: Credit reporting or other personal consumer reports

Subject : Discrepancy in Credit Reporting by Capital One Dear Sir/Madam, I am writing to file a formal complaint regarding inaccurate information being reported by Capital One to the credit bureaus, which is negatively impacting my credit profile. 

The issue at hand concerns a Capital One account that was paid in full and closed in XX/XX/XXXX. However, I have noticed that on my credit report, the account is being reported as having been " 30 days past due '' for both XXXX and XX/XX/XXXX. This is incorrect, as the account was current and all terms were being met until the account was closed. 

To clarify : - The account in question was current and paid on time through all billing periods up until it was closed in XX/XX/XXXX. 
- There is no record of the account being past due in XXXX or XX/XX/XXXX, yet these months are being reported as " 30 days past due. '' - This inaccurate reporting of " 30 days past due '' in back-to-back months is misleading and does not reflect the actual status of my account. 

The erroneous reporting of late payments is causing significant harm to my credit profile. The account was in good standing, and there is no justification for the reported delinquency during those months. The repeated reporting of these inaccuracies is damaging to my credit score and has a detrimental effect on my financial standing. 

I am requesting that Capital One be instructed to correct this misinformation and permanently remove any reference to " 30 days past due '' for XXXX and XX/XX/XXXXXXXX  from my credit report. I would also like confirmation that this incorrect data has been completely and permanently deleted from my file, as it is causing undue harm to my creditworthiness. 

Please investigate this matter and take appropriate action to rectify this issue as soon as possible. I would appreciate a timely response and would be happy to provide any further information if necessary. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

XX/XX/XXXX - Everything was fine until I started emailing XXXX NMLS # XXXX. I told her that my home was closing by end of next month and she should start the process. No response. 

XX/XX/XXXX - Requested her to keep tracking of the daily rates and prepare a rate lock for me when there is points towards closing. No response. 

XX/XX/XXXX - Seller request documents from XXXX and she starts the loan process where she needs to collect all my information from me. Orders a rush appraisal since loan would be closing in two weeks. The appraiser couldnt appraise home because it has not completed construction. XXXX said I was responsible for the fees. 

XX/XX/XXXX - I requested rate lock since she never responded to my emails and i would be closing in 11 days. She told me i had to decide in 40 mins for her to lock my rate. This is when the rate was going up in the month and i should 've received a lower rate and points to closing. 

XX/XX/XXXX - requested that i take the first time home buyer course and provide them the certificate. This process takes awhile and should 've been requested earlier. She offered me free courses that I can attend for free to get the certificate. But then when I tried to apply she told me that I was not qualified and it was not necessary for me to attend the course. But now i have to pay {$99.00} to complete the course online and pushes back my loan closing date. 

XX/XX/XXXX - Requests me to sign the Certificate of Occupancy which should 've been signed awhile ago and communicating with seller. 

XX/XX/XXXX - Title signing has been canceled for tomorrow. XXXX was trying to blame/accused the seller for not providing " documents '' on time by making up documents requested from seller.
Product: Credit reporting, credit repair services, or other personal consumer reports

Office of the Attorney General reported in XX/XX/XXXX my child support will never late in XXXX and XXXX. I have a XXXX balance. I screen shot the picture of XXXX balance and no lates. However upon looking at the months after it shows 30 late XXXX and 60 late in XXXX. I need this corrected. I have attached a screen shot of the item from XXXX and i need it to be corrected to show the exact same on my report for all three bureaus.
Product: Student loan

I took out the loan for {$30000.00} ( {$32000.00} after fees, etc. ) in XX/XX/XXXX. Once I started paying back on my loan, they would not work with me on re-payments. The payments would be {$250.00} for the first six months of the year, then would jump to {$300.00} for a few months, then to {$350.00}, then to {$400.00} for the last 2-3 months of the year. Beginning of the next year, they would go back down to {$250.00}. However, due to me not being able to afford the last few months in total monthly payments, I would fall behind on the loan and they refused to work with me. My son was one year old and having serious health issues and they would not take this into consideration. Within a few year span, I had paid {$10000.00} towards this loan and only {$900.00} of my payments went towards principle balance. The rest went towards interest. My total loan also jumped up to {$42000.00} and they could not explain this, they could only tell me it was due to the " late fees and penalties for falling behind on my payments ''. At one point when I fell behind in XX/XX/XXXX-XX/XX/XXXX, I offered to pay {$200.00} but the woman on the phone actually refused to accept this amount, saying they could only accept a minimum of {$500.00}. In XX/XX/XXXX I had to meet with an attorney to file for chapter XXXX bankruptcy, as XXXX was threatening to garnish my wages.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE-INVESTIGATION OF CHAPTER  XXXX  FILED IN   XXXX      XXXX   XXXX   DISTRICT COURT AND ANY ACCOUNTS ATTACHED TO THIS CHAPTER  XXXX . SOMEONE STOLE MY IDENTITY AND OPEN UP ACCOUNTS IN MY NAME AS WELL AS A CHAPTER  XXXX  BANKRUPTCY THAT WAS FILED ONLINE ( PRO-SE ) I DID BETTER INVESTIGATION THAN THE CREDIT BUREAUS AND FOUND OUT THIS CHAPTER  XXXX  ( FRAUD ) WAS FILED 1. ) ONLINE 2. PRO-SE ( NO ATTORNEY ) 3.   XXXX   XXXX   NEVADA ( I NEVER LIVED IN NEVADA ) 4. THESE ARE THE ACCOUNTS THAT WAS ATTACHED TO THE CHAPTER   XXXX   IN   XXXX   XXXX   DISTRICT COURT.
  XXXX   XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   I RESEARCHED EACH AND EVERY ACCOUNT BY CONTACTING THESE CREDITORERS ALL EVIDENCE AND INFORAMTION CAME BACK TO SEVERAL   XXXX   XXXX   NEVADA ADDRESS.
4  XXXX   XXXX   XXXX   XXXX      XXXX   XXXX    XXXX    XXXX   XXXX     XXXX   XXXX      XXXX   XXXX   XXXX     XXXX   XXXX   NEVADA   XXXX      XXXX   XXXX     XXXX   XXXX   NEVADA THE MERCHANDISE THAT WAS RECEIVED FROM   XXXX   XXXX   WAS SHIPPED TO   XXXX   XXXX    NEVADA AND ALSO SAME WITH   XXXX   XXXX  
THE CHAPTER  XXXX  IS NOT MINE AS WELL WHICH WAS FILED ONLINE IN   XXXX   XXXX    NEVADA DISTRICT COURT AND ALSO THERE WAS A VEHICLE INVOLVED. I HAVE PROVEN TO THE BUREAUS THAT THIS WASNT ME. I PROVIDED THE FOLLOWING TO EACH CREDIT BUREAU.
1. 17 YEARS WORTH OF ALABAMA ID ISSUED DRIVERS LICENSE 2. ALABAMA STATE TAX RETURNS 3. RENTAL LEASES FROM  XXXX    XXXX   IS THE ONLY BUREAU THAT HAS REMOVED ALL THESE ACCOUNTS AS WELL AS THE CHAPTER   XXXX    FROM MY CREDIT FILE. I HAVE FILED POLICE REPORT IN MY CITY AND SURROUNDING CITY DUE TO THE FRAUD ACTIVITY ON MY CREDIT REPORT. THIS IS IDENTIY THEFT IN A STATE WHER EI NEVER EVEN VISIT. PLEASE RE INVESTIGATE AND REMOVE FROM MY CREDIT FILE
Product: Credit reporting or other personal consumer reports

I do not have any issues with the XXXX major credit reporting agencies. However, there is a problem that was started upon my move to the United States in 2018. I had a new job XXXX XXXX XXXX XXXX XXXX XXXX  in Maryland. In order to start work I needed a social security number. The IRS gave me a temporary Tax ID to use in place of a social security card, and eventually I received my card. My tax ID number was XXXX. While I awaited my card from the Social Security Administration, I used the Tax ID number to buy a vehicle. That vehicle has been paid off. Accordingly, I need each credit bureau to delete my old Tax ID number and only maintain my social security number ending in XXXX. My bureaus are showing basically two social security account numbers, and I need the bureaus to merge my files under just my social security number.
Product: Credit reporting or other personal consumer reports

I was informed that XXXX XXXX XXXX pulled a credit report from XXXX credit reporting on XX/XX/year>. It was an inquiry for a personal loan I was informed. I never authorized XXXX XXXX XXXX to do this and now I have had my credit score lowered and I feel there is identity theft occurring.
Product: Credit card

I opened a credit card with Barclaycard Finance in XX/XX/2014 and I purchased a laptop from XXXX. In addition, I purchased little things over the last 18 months. I signed up for e-bills and I do n't use anything but their mobile application. When I log in to see my statements, there are no alerts or anything on their mobile application - just the transaction history. I called the other day and asked if I was on a 18 or 24 month promotional because I could n't remember and I had not received any alerts on the mobile site. When I called, she informed me that my promotional acctually expired and I am about get over {$700.00} in deferred interest. I asked how much of my balance was left and she informed my it was around {$1600.00}. My original purchase was about {$1600.00}. So, for 18 months, all my payments were going to the little purchases made instead of my promotional balances. The extra charges that I made on the credit card were no more than $ XXXX ( bare minimum finance charges that would bill ). I am highly upset by this. I would have rather the little $ XXXX {$5.00} finance charges billed than be billed over {$700.00}. I thought this type of payment hierarchy was against the law, guess not. I guess their take is - Better take care of the little finance charges and bill the customer the big deferred interest and ruin their credit as it will take them over their credit limit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute an account fraudulently opened in my name. 
I am a victim of identity theft and did not open this account. 
I am a victim of the XXXX data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid. 
I HAVE LISTED BELOW THE APPLICATIONS FOR CREDIT /ACCOUNTS SUBMITTED/OPENED FRAUDULENTLY WITHOUT MY AUTHORIZATION OR PERMISSION TRYING TO OBTAIN CREDIT OR GOODS USING FRAUD. ANY OTHER REQUEST FOR CREDIT BY ANY OF THESE COMPANIES LISTED BELOW SHOULD ALSO BE FLAGGED AS FRAUD AND I DEMAND AND REQUEST THESE BE REMOVED, BLOCKED AND DELETED IMMEDIATELY FROM ALL MAJOR CREDIT REPORTING AGENCIES.
Product: Debt collection

I have been contacted by XXXX and talked to abusively by their executive liason. In addition, I have been receiving collection calls after XXXX XXXX  from IC System Inc. I am requesting that these companies no longer contact me. I don't owe {$27.00}. How embarrassing for these companies... they spend more money in labor trying to collect a fraudulent bill from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT IS INACCURATE AND UNAUTHORIZED AND WAS NOT GIVING MY WRITTEN CONSENT TO REPORT ON MY CONSUMER REPORT. 

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

I reserved a car on XX/XX/XXXX at XXXX to be picked up on XX/XX/XXXX I paid nothing and only gave them my drivers license .Never signed anything or gave them my SS # I picked up the car on XX/XX/XXXX at which time I was given a receipt for the amount put on my credit card.I was then shown a tablet and asked to initial XXXX : insurance and dogs. I was NEVER at any time given the entire lease agreement nor again did I give any XXXX my SS # After I had signed I was emailed the statement but had to search for the terms and agreement, again this was not discussed or shown at the time of pickup. 
I was notified by credit monitoring that XXXX pulled a credit report on XX/XX/XXXX ( when I reserved the car ) and again on XXXX when I picked up the car. 
Again I never gave them my ss # nor was I given or did I sign or read the lease provisions at any time while at the location.. 
I want XXXX of those requests taken off my credit report as they had no right to pull a credit report prior to me actually signing for that car. 
That makes XXXX dings to my credit report