23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX, We are writing to you because Wells Fargo will not let us separate our escrow taxes and homeowners. We built our home XXXX and the loan was sold to Wells Fargo. We then we called constantly to refinance with them on this harp loan at a lower rate to XXXX so we went ahead and closed at this rate. I questioned after the closing why our home was appraised in XXXX at {$170000.00} when our county records recorded and taxed our home value at that time worth {$210000.00}. Anyway we never got a copy of the appraisal Wells Fargo told us that XXXX XXXX gave them that appraisal, I called and received another call back from XXXX XXXX a week later in later XX/XX/XXXX, XXXX XXXX from XXXX XXXX told me that Wells Fargo did this appraisal. Our home is XXXX story home with a full basement XXXX sq ft, lot XXXX, XXXX XXXX originally XXXX bedrooms but we turned XXXX bedrooms to a sitting room and study ( office ). We also installed a full bathroom in the basement now have XXXX XXXX bathrooms. We have remodeled the inside of the home and put fence around the home with new Architectural custom roof in XXXX and had the whole outside of the home painted although most of the front is brick. This is not a home with a value of XXXX. The value of the home is now worth {$430000.00} which went down some lately due to the economy, but we were offered over {$500000.00} to {$600000.00} from Management firms to buy our home but we decline because we love our home.

Anyway they keep declining the escrow separate due to they say our home is XXXX ratio is 93.1 % but it must be below 80 %. I went inside the bank and the Manager XXXX faxed over a copy of the Tax Commissioner showing our house taxed and priced at a higher rate. The escrow taxes went up XXXX but Wells Fargo wanted {$1600.00} which was paid by XX/XX/XXXX and they still increase monthly mortgage to close to XXXX monthly. XXXX of Wells Fargo Executive Office called us today XX/XX/XXXX to confirm that they can not separate the escrow due to value XXXX. I explained that we faxed over correct value of home from the tax assessor, he then states that he will look for this paper and see if this can be changed. We already dealt with another lady named XXXX from Wells Fargo that was not helpful either stated that this issue would be escalated to the executive office. I already contacted XXXX XXXXXXXX to not bill Wells Fargo for our home insurance which we have been dealing with them for over 20 years, they said they will not bill Wells Fargo only XXXX. Because this is not our first home XXXX of Wells Fargo now tells me last week that we can not separate our Home Owners Insurance. We have no rights to correct this issue. We have attached 27 pages paperwork to verify what is stated here. We really need some help on this issue. We have no intentions of not paying our taxes, we just want to separate again the escrow. 

Thanks
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. 

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
Product: Mortgage

My brother XXXX XXXX and has no wife or kids. He XXXX X/X/2017 and his only heir is his mother who ca n't tend to the estate so I was awarded the Executer to the Estate. I have sent this company sensitive and personal documents on numerous occasions and to several names within the organization. The Estate hired a Real Estate company to look into a short sale. The Real Estate company has an offer to purchase that is very consistent with the market and has been  sending information representing the Estate for months. The company is not recognizing the fact that my brother has passed and continues to send information on refinancing the loan.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Va XXXX XXXX C/O XXXX XXXX XXXX XXXX, FL XXXX Debt Validation Request To whom this may concern, I am writing in response to a debt collection notice I received from your agency regarding the alleged debt you contacted me by mail, and identified the debt as XXXX, in the amount of {$2900.00}. Before I proceed with any further actions, I would like necessary information to be provided to validate the accuracy of this debt. 

As you are aware, according to the Fair Credit Reporting Act 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify within 30 days. Please provide and respond to the requested information below : -Document proving ownership of the debt -Proof of how the company assess the debt and current balance ( Are there any additional interest, fees or charges that may have been added since the last billing statement from the original creditor ) -Payment history from the original creditor & the final payment made on the account -Copy of the original contract bearing my signature of agreement -Chain of title on the debt -Bill of Sale -Have you determined that the debt is within the statute of limitations applicable to it? Please provide the statute of limitations expiration date for this debt. 

Please also provide proof that [ XXXXXXXX XXXX ] has the right to collect this debt within the state of FL. I would also like proof of your current insurance bond. 

I am entitled to all information listed above and I request that you cease all collection activities until the debts validity has been verified and the requested information has been provided. 
Please be sure to forward all correspondence and documentation to the address provided above. 
Thank you for your time. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2023 I transferred {$16000.00} from my personal savings account in XXXX to my personal savings account in Citi Bank. 

On XX/XX/XXXX, Citi Bank sent me an e-mail saying my Savings Account would be closed within 60 days and my funds would be mailed back to me to my address on file. 

I've had numerous calls with Citi Bank Customer Service, Fraud Prevention and visited multiple branches to get this problem resolved. Citi Bank 's response at this point is that I should reach out to XXXX and they should file a " Harmless Claim '' so I can get my funds from them ; Citi Bank now says they won't mail me my funds back. 

I have talked to XXXX and they say there is nothing they can do as the transaction is not fraudulent and was clearly made by me ( the owner of both accounts ). And that Citi Bank should mail my funds back. 

It is XX/XX/XXXX now. So it's been 4 months and my funds have not been returned. I feel the need to escalate this issue as Citi Bank is clearly not cooperating.
Product: Credit reporting or other personal consumer reports

I C Systems has reported a debt on my XXXX credit report and XXXX XXXX fully investigated the matter and reported that the information is accurate and hasnt asked has the debt collector provided me with wet signature proof that I allowed the original creditor to sell my information to the debt collector or allowed me an opportunity to dispute the debt.
Product: Credit reporting or other personal consumer reports

a company called XXXX XXXX XXXX XXXX XXXX XXXX to XXXX and Transunion for unpaid bills ( {$3900.00} ), this amount now increased to {$4500.00}. I sent in a detailed letter with all my supporting evidence to these two bureaus only to be told that XXXX said that the account is valid. I asked for proof and explanation from this company only to be told by XXXX and Transunion that they only asked the company for a response. these two bureaus said they accepted what they are being told by this company. So XXXX and Transunion did no investigation, asked for evidence, proof and documents to back this company account validation claim. I was told by XXXX and Transunion that they abide with the company response. 
I made several disputes with XXXX and Transunion between XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As the Consumer my rights have been violated multiple times. Due to my rights being violated as the Consumer I demand for any and all damages occurred to me the following {$1000.00} per violation as stated via 15 U.S. Code 1681n - Civil liability for willful noncompliance.

( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 

The creditor has and is reporting my credit history inaccurately. 

This has caused me as the Consumer Defamation and Financial Injury. I have disputed these items multiple times and both the Creditor and the Credit Reporting Agencies have failed to report it as a dispute which violates my rights under the FCRA as stated in section 623. 

Creditors have pulled my Consumer file without my written permission or without reasons permissible under law which has caused injury to my credit report and scores. 
As stated in 15 U.S. Code 1681b - Permissible purposes of consumer reports. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

On top of things the Credit Reporting Agencies and Creditor have " Re-Aged '' my account by reporting the date of last activity instead of the date of first delinquency. As a Consumer this has violated my right to Consumer Protection as afforded by the FCRA under Section 605 ( c ). 

As a Consumer I have a right to privacy as stated in 15 U.S. Code 1681. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

A primary purpose of the FCRA, is to protect consumers against inaccurate and incomplete credit reporting.
Product: Student loan

The payment they determined for my ICR plan does not match the description of how the ICR payments are determined. When I manually calculate my payment using documents from the department of education, it shows that my payment amount would be around XXXX. My manual calculation matches what studentaid.gov says my payment would be. My standard repayment was XXXX. The document says you take that number times your income percentage factor. The XXXX  document says my percentage factor would be XXXX resulting in a payment of XXXX. The OR statement of the calculation shows that 20 % of my discretionary income is higher than that amount. The description says they are to use the lesser of the two. Instead they are telling me I will make 8 payments at XXXX a month and then XXXX payments at XXXX a month. They can not explain to me why there are 8 payments at a higher amount. Im due to re-certify my income in 8 months and it sounds like the payment would then just change back to XXXX again instead of ever getting to the XXXX. I dont see anything to explain why I would make a higher payment for 8 months. That higher payment of XXXX doesnt even match the 20 % of my discretionary income which is the OR statement. 
This is the document I reference. 
XXXX XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX I traded my XXXX XXXX XXXX Sportback Quattro for XXXX XXXX XXXX. This transaction occurred with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX. 

Our XXXX XXXX XXXX was financed with Suntrust Bank. When we traded our new car loan was with XXXX XXXX. The dealer was responsible for paying off the trade. 

Almost immediately, I started to receive calls from Suntrust Bank asking for payment for the XXXX. I explained that the car was traded. They asked that the dealer send a copy of the trade agreement. The dealer complied, but Suntrust still posted 30 day late. They continued to harass me. One month in, I get credit warning that my credit score dropped by XXXX points for a 30 day late payment. The kicker was that there was a XXXX  balance. 

I've tried to get Suntrust to correct to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 120-150 )  days late on the XXXX XXXX  partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. XXXX  and XXXX  are reporting incorrectly that I am ( 120-150 ) days late on partial account numbers XXXX and XXXX. Experian is reporting incorrectly that I am ( 150 ) days late on partial account number XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Money transfer, virtual currency, or money service

I was scammed by a woman through XXXXXXXX XXXX and a guy pretending to work for Venmo the woman sent me an offer to buy a TV. I was selling through the marketplace and her and this guy pretending to work for Venmo had me send money to them and I tried to stop it but the bank refused to They said I have to wait until the charge posts and this morning I called because the charge wasnt posted until Saturday and the representative and manager are refusing to help me. They dont want to give me my money back they said because I did it as a XXXX XXXX XXXX but I told them that thats what the guy told me to do to send the money as a XXXX XXXX XXXX  through PayPal XXXX I was selling a tv on XXXX offering pick up only. A woman named XXXX sent me an offer and I accepted. She said that she had a XXXX XXXX XXXX and ca n't drive and was hoping to have her sister pick up the tv. She asked me for the pickup address and my number. Which I then gave her. She then said that she can pay with XXXX, Venmo, or PayPal. I told her Venmo. She then asked me for my Venmo information, and I gave her the tag name to send the money. She then said she tried to send the money and said that Venmo needs my email address to confirm it with Venmo. She said I should be receiving my money soon. She sent a screenshot of the Venmo app asking for an email address for the recipient to confirm the payment. I told her it should've worked so when it didn't work, I gave her my email address. She said she must has to confirm my email address because she is using a business account and it has extra security steps. She asked me if I received a confirmation email. Which I did from the email address XXXX. In the email it said I received a payment for the amount of {$150.00} but that I have to make a business account and the buyer will send {$450.00} in addition to the {$150.00}. I then called the number listed in my email from them and a guy named XXXX spoke to me. He said I need to send {$410.00} to XXXX on Venmo. The transaction was declined, and he said to send the money to XXXX. I then sent the money. He said the error is still on my account and to send more money to remove the error. He told me to send {$350.00} but that got declined so he told me to send {$250.00} and to select XXXX XXXX XXXX and put friend in the memo. He said it still had an error and asked me to send more money, but I told him I don't have time for this. I will not be sending any more money. I told him I have to go and to just cancel it. He then said it's too late to cancel it then hung up on me and called me about XXXX minutes later. I decided to ignore the call and called my creditor to dispute the charges. They told me I have to wait until the charges post. The rep told me this is most likely a scam. I tried to dispute it with PayPal but they refused to refund me. Every time XXXX asked me to send money he gave me a different email address. When I told the woman I won't be able to continue with the sale she said I have to continue I have no choice.
Product: Credit reporting or other personal consumer reports

To whom this may concern, I am attaching an FTC report containing 5 fraudulent accounts with a cover letter containing a total of 8. I will send another CFPB report with the remaining three as I dont know for sure if the limit is only 5 per report
Product: Credit reporting, credit repair services, or other personal consumer reports

I had become XXXX XXXX and sick with XXXX. I XXXX and couldn't tell what was real and what was fake. I soon lost my job and went homeless and lived in the street and I use all my credit cards to survive. I was homeless and crazy for 2 years until my family found me and got me help. I been on my medicine for 2 years and finally feeling like my self again.. I am attaching documents with evidence that I was sick and have XXXX along with a handwritten letter from my XXXX. I am requesting all derogatory marks from the year 2015 and up to remove off my credit report because I could not make financial decisions.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating that the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S. 1681i, which mandates a reasonable investigation of disputes. furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ) ,12 U.S.C. 5536 ( a ) ( 1 ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX ) against them for similar violations. I request that CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Mortgage

XXXX XXXX, 2015 - Called XXXX / US Bank Home mortgage because I discovered that additional/extra payments were being applied to future due payment, not towards additional principal. Spoke with XXXX to resolve, he advised that previous payments can not be changed and that I must send in paper checks or pay on their website ( allowing ACH ). Asked to escalate to management and was disconnected. Called back and spoke with multiple people : senior representative, XXXX ( ID ROM ), team lead, XXXX XXXX, XXXX ' manager, XXXX XXXX. Was advised they will reverse only future monthly payments towards additional principal and will not correct retroactively. 

XXXX XXXX, 2015 - Called back and spoke with XXXX. Informed them they only applied two extra payments towards additional principal and then reverted to future monthly payments. XXXX advised she will correct this and while putting me on hold the call was disconnected. 

It has been more than one year since I called them last XXXX. I do not know how long before that date my extra payments were not being applied towards additional principal. Despite calling them multiple times, the issue still still remains unresolved. I have even set up two monthly payments for different amounts per their request with the memo stating " additional principal payment, '' and yet my payments are being applied towards future due payments. This lack of correction on part of XXXX XXXX / US Bank Home Mortgage is costing me a lot of money every month and making them a lot of money every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

When attempting to obtain my printable credit report from your organization via XXXX your website caused my browser on XXXX ( XXXX, the default browser which is up to date ) to crash when I attempted to print to my wireless printer and I was unable to retrieve my report as a result. 

I need the printable form of my report available from XXXX that I requested today, XX/XX/XXXX, either in PDF form, or some other printer friendly format for me to print.
Product: Credit reporting or other personal consumer reports

for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft inquires to be removed : 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 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 or other personal consumer reports

I am writing to express my deep dissatisfaction with the multiple unsuccessful attempts to remove unknown inquiries from my credit report. I have diligently followed the dispute process outlined by your bureau, yet the unauthorized inquiries persist on my credit file. 

I first became aware of unauthorized inquiries on my credit report during a routine check. 

I submitted multiple dispute letters providing all necessary documentation to prove that I did not authorize these inquiries. 

Despite my repeated attempts, the unauthorized inquiries remain on my credit report. 

I have attached copies of the dispute letters, along with the supporting documents, for your reference. 

This situation is not only causing undue stress but also has the potential to harm my creditworthiness. I am particularly concerned about the negative impact this may have on my ability to secure favorable terms for future financial transactions. 

I request that you conduct a thorough investigation into this matter and provide a detailed explanation for the persistence of these unknown inquiries. Furthermore, I expect prompt action to rectify this issue and a confirmation of the removal of these unauthorized entries from my credit report. 

If this matter is not resolved withinthe exact timeframe from the date of this letter, I will have no choice but to escalate my complaint to relevant consumer protection agencies and legal authorities. 

I believe in the importance of a fair and accurate credit reporting system, and I trust that your bureau will take the necessary steps to address and rectify this situation promptly. I am asking for your assistance to remove these fraudulent inquiries in my credit file : XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.