23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX, I did an application with my mortgage company, South Carolina State Housing Finance and Development Authority for an COVID-19 Mortgage Assistance Application. In may application I explained what was occurring at the time, but the gentlemen in charge of the process told me I did not need to explain my situation. I was approved for six months of forbearance. In XX/XX/XXXX I received a phone call from someone, an women in a high position from the mortgage company asking why I applied for the COVID -19 Mortgage Assistance when I was on a fixed income. I explained to them the same situation I put on my application, but I was informed as outlined and told, you did not need to explain if your loan was being held by a specific corporation. The lady that called me was rude and made me fell like my income and XXXX was going to be a problem with my mortgage. I received a letter on XX/XX/XXXX that my loan was being transferred back to my original mortgage lender due to something being written wrong in the underwriting. After calling and speaking to someone in charge she said my debt to income did't meet requirements to be in the program. I explained to her I had no debt on my credit report, before the loan or now and I owed no one anything. I had a conversation through text with my original Mortgage Corporation that my student loans was forgiven prior to finalizing the loan. Documentation was included. She could not effectively tell me why my loan was sent back due to the lack of investigating before giving my loan back to the originator. I am disappointed and I feel like I am targeted due my XXXX, fixed income, and for me asking for the COVID-19 Mortgage Assistance. This is not fair for anyone. She explained to me with an FHA loan nothing changes, but I explained to her its not the same. I told her I did my research and I told her the percentage of loans normally stay with State Housing throughout the term of the loan. I then asked her how many loans went back to the mortgage originator during this covid period and she said several, I then repeated so seven went back. She said again several and I explained several. After not getting my concern across to her, because I felt like I was targeted due to the call I received in XXXX among the fixed income and XXXX, I told her thank you for accepting my loan and ended the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Im filing this claim to have my credit report corrected. The company XXXX has reported false missed payments and Delinquencies to all the credit Bureaus. I have not missed any payments on this account. I paid this account balance down to XXXX in XXXX, and I have not with drawn since. The information being reported to the credit Bureaus is false and its effecting my credit score in a negative way. As of right now they are reporting a balance of XXXX and XXXX missed payment from XXXX through XXXX. I paid this account XXXX to XXXX in back XXXX and have not with-drawn since. I am not aware of any transactions that were made from XXXX through XXXX. This app is a scam. Please remove them from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTER ACT XXXX XXXX XXXX  ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 15 U.S.C. 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVICY 15 U.S.C. 1681 SECTION 604 A SECTION 2 I ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH YOUR ACCOUNT WITHOUT MY WRITTEN INSTRUCTION
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX marked me down as being 30 days late with account number XXXX. There is no way that I was late. I think this is exactly what Congresswoman XXXX XXXX was talking about when she said that the credit reporting system is broken.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to transactions that I have made/accounts that I have opened, as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

credit systems has ruined my credit history, it prevented me from getting approved for home loan due to multiple agencies keep collecting and selling the same debt to other debts collector agencies making it look like i have more debt than i actually do, i already paid what i owe the XXXX $ .XXXX that has sold my original account to multiple agencies collecting the same debt.it stills shows on my credit history and my wife as well even when i paid off my original debt.
Product: Mortgage

My mortgage company is reporting false information to the credit bureaus -- -my XXXX 's payment was flagged as being delinquent, this is incorrect. I 'm submitting documents to prove my case.
Product: Credit card or prepaid card

I made a credit card payment on Wells Fargo and it went through as expected. The problem is when I look at the ACH transfer on my bank statement I see that Wells Fargo has 9 digits of my credit card number in the XXXX description. Looking back through my bank statements, I see that this pattern is repeated for every payment I've made over the years.
Product: Mortgage

My attached letter contains all information, dates, and documentary evidence. 

In short, my lender, Mr. Cooper, continues to use in accurate numbers in its escrow analysis in violation of 12 CFR 1024.17 ( c ) ( 7 ) ( as described in my attached letter ).
Product: Mortgage

Caliber Home Loans is not reporting accurate information to the major credit bureaus in regards to my " monthly '' payments received, monthly payment amount, which is XXXX not XXXX or XXXX and matter has caused a negative impact on my credit, score and job clearance. Per my credit reports On XX/XX/XXXX and XX/XX/2017, Caliber reported that my account was delinquent by 30, 60, 90 days when in fact my account is current and does not reflect reporting for the months of XX/XX/XXXX, XX/XX/XXXX nor XX/XX/2017. I have recently reached out to various Caliber Customer Service employees whom referred my inquiries to their " Credit Department, '' however, the issue still remains unsolved and incorrect. I am fully aware that XXXX 's reporting is the XXXX of each month, however, XX/XX/XXXX 's reporting should reflect XX/XX/XXXX 's payment which has not been reported and the same for XX/XX/XXXX 's reporting. To date, my next scheduled payment is not until XX/XX/2017, which my reporting should reflect on time. Caliber is not adhering to their reporting schedule nor are they reporting accurately, which causes a financial and employment strain on its customers, due to their inability to report accurate information.
Product: Mortgage

The appraiser that the bank send to the house I bought was wrong on the value of the house. He did not follow the FHA standars. On his report the appraiser ommits a lot 's of damage on the fundation, on the Roof and in some other areas. 
When I first apply for the loan the mortgage people told me that the FHA loan requires a very strict inspection wich never happens. Also I recived the keys for the house until the 3rd day and Its when I found out all the problems on the house. 
According to FHA ... ..HUD the house must be in perfect conditions. 
This house has the following problems : Mold on attic and crawl space and air ductsWater Filtration in XXXX RoomFundation Cracks and Mold in some areasProblems with the RoofElectrical Problems. 
No apropiate ventilation nether on the attic and crawl spaceCracks on the front fundation of house. This is A LOTPlease help me.!!!!!
Product: Mortgage

I refinanced my mortgage with XXXX in XX/XX/XXXX in order to take advantage of a lower interest rate and to lower my payment. My new mortgage payment was $ XXXX/month. This XX/XX/XXXX my mortgage payment unexpectedly increased to {$2300.00}. I contacted the person at XXXX that I used for my refinance and was told that I would need to contact Nationstar as they were the servicer of the loan. After multiple phone calls I was able to find out that the escrow account was either underestimated, or not estimated and accounted for at all, when my refinance was processed. 
This led to me having an escrow shortage of - {$4000.00} going into XXXX. 
Due to negligence or carelessness of the company, my mortgage payment has now increased 19 % to an amount that is considerably more than it was prior to my refinance. 

Nationstar has given me the option to make a one time payment for the full the amount of the shortage, or to spread it out over the year.
Product: Credit card or prepaid card

Someone used my information to open an account at the Bank of America, I do not recognize that account with a value of {$930.00} dollars. I have tried in many ways to solve this problem for many years with bank of america and they keep posting that account on my credit report In my credit report it does not show an account number to identify it, it only shows a debt with that value. 

bank of america wants to force me to pay a debt that was not mine
Product: Checking or savings account

I just learned in the news about the CFPB lawsuit alleging Capital One deceived customers out of $ XXXX in interest! I am shocked - I am one of those customers. I have been a customer of Capital One since the beginning when they purchased ING XXXX  Bank. 
I just opened the concealed " 360 Performance Savings '' and moved my entire balance there, but truthfully feel so cheated I may move my money to a different bank. 
How do I become part of the lawsuit and get my owed interest?
Product: Money transfer, virtual currency, or money service

Sent to the wrong person, money could not be returned
Product: Credit reporting, credit repair services, or other personal consumer reports

This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX, XXXX, L
Product: Credit reporting, credit repair services, or other personal consumer reports

I was marked 90 days late 4 times by  Nelnet  this  XXXX  of  XXXX . I had placed the account in forbearance when my car was totaled from a major car accident in  XXXX  of  XXXX . I had sustained injuries and had to be transported to the ER during my accident. My son and I was out of a car for months. However, I signed off on a new plan called " Pay As You Earn. '' I was told I can make payments based on how much I made that month. The representative told me that 's how the program works. So, I made payments when I could and they knew my situation. I had no idea I was in violation until  XXXX   XXXX . Not once was a notice sent to my house. Anyhow, once I received the email alert that m y credit score  has changed ( I belong to a credit monitoring service ), I logged on and saw my score was knocked down from a  XXXX  to the  XXXX  's. My heart just stopped beating all together. I called NelNet the very next day and the representative explained the situation. I paid the past due immediately. I was told the only way they will delete the late payments is if I was in the military or if I was in school. I am a military veteran but was not in at that time nor was I a student. So, being in a major accident and sustaining injuries is not a valid reason? Even though you clearly have proof??? Anyhow, here we are today and I have gotten nowhere with the creditor (  NelNet  ) nor the credit bureaus. I wrote  a 2 p age letter and attached supporting docs ( proof ) and even my lawyer got involved. No one  XXXX   XXXX   XXXX  and I served this country so, they can proudly keep their jobs in freedom. It 's like I do n't even exist. What I do n't understand is how am I marked that many times in the first place? I am just lost.
Product: Mortgage

Due to financial problems and after exhausting all savings and annuities, and after being denied an equity loan, we contacted Wells Fargo Home Mortgage to refinance our home loan on XX/XX/XXXX. We 've owned our home since XX/XX/XXXX. We were advised to submit a " Loan Modification '' contract instead of refinancing our original loan. On XXXX we completed all the paperwork and their " specialist '' explained the program. We would not need to make a mortgage payment until XX/XX/XXXX. And the modification trial period would last 4 months. And then on XX/XX/XXXX a new 30-year mortgage would be issued. We have reason to believe we have a case of " Dual Tracking. '' Since we began the process, we began receiving letters, at least one a week, from Wells Fargo to inform us our mortgage was in default. Our mortgage has never been in default. With each letter received, my husband would call them. He has asked them repeatedly why the foreclosure threats when we are on the loan modification program. None of their answers make any sense. We have received one letter through certified mail and then today a person " hand delivered '' another letter asking us to call and discuss our possible foreclosure. Each time we speak to them, we get nowhere. On XX/XX/XXXX the new mortgage loan amount was debited from our bank account, just as planned and promised. Then today we get the hand delivered letter requesting us to call them. So my husband called them. Today 's call revealed that the Mortgage Foreclosure Dept does not what the Loan Preservation Dept is doing. We feel harassed and fear we may loose our home. I learned of your website on the XXXX XXXX XXXX, reporting how a couple lost their home after going through a loan modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : it states a consumer reporting agency can not furnish without my written consent 15 usc 1681 investigation ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 USC 1681 a. Defintion rules of construction ( 2 ) Exclusions.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report XXXX XXXX  # XXXX
Product: Credit reporting or other personal consumer reports

I am filing a new complaint regarding inaccurate credit reporting. According to the Fair Credit Reporting Act Section 605B ( a ), you are required to remove any items opened without my knowledge, consent, or authority within 4 business days. This requires : ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items need to be removed due to their inaccuracy : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$4200.00} XXXX XXXX Balance Owed : {$15000.00} XXXX XXXX XXXX XXXXXX/XX/XXXX -- -- -- -- -- -- -- -XXXX XXXX XXXXXXXX XXXX Balance Owed : {$4200.00} XXXX XXXX Balance Owed : {$27000.00} XXXXXXXX XXXX XXXX Balance Owed : {$27000.00} -- -- -- -- -- -- -- -TransUnion : XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$4200.00} XXXX XXXXXXXX Balance Owed : {$15000.00} XXXX XXXXXX/XX/XXXX. If you assert these items are accurate and verifiable, provide copies of any documentation associated with these items that bear my signature, as I believe none exist. If no signed agreement exists, these items must be removed from my file. I am aware that your organization has a history of non-compliance with the FCRA statute mentioned above. Failure to address my request promptly will result in me referring this matter to my attorney for further action. You have 4 business days to remove the incorrect items from my credit file. I do not consent to E-OSCAR or any automated verification methods.
Product: Mortgage

Hi, We were customers of Wells Fargo between XXXX with Auto loans, and Mortgages and want to know if we are entitle to any compensation for the CFPB settlement ? and what we need to do to claim any compensation. 

Thank you, XXXX
Product: Credit card

XXXX FRAUD ON MY CARD XXXX CAPITAL ONE STATED, FOR 40 DAYS, THAT I WAS COMPLICIT ' BENEFITED FROM FRAUD '', AND REFUSED TO EXPLAIN. AFTER CERTIFIED LETTER TO XXXX XXXXXXXX XXXX, THEY CREDITED MY ACCOUNT BUT TOO LITTLE TOO LATE, REFUSED TO REIMBURSE ME FOR POSTAGE, AND TIME. 

XXXX CAPITAL ONE ADMITTED OF " STRESS ' DURING FRAUDULENT USE OF CARD. BUT THAT IS " NORMAL " STRESS. 

THEY EXACERABATED SUCH STRESS, AND REFUSE TO REIMBURSE ME, FOR ACCUSING ME OF BEING COMPLICIT. 

XXXX REQUEST CLOSING OF ACCOUNT. I AM NOT WASTING TIME TO CALL YOUR XXXX NUMBER. CAN NOT DO IT ONLINE. 

XXXX CEASE AND DESIST FROM FURTHER INTEREST AND FEES. 

XXXX XXXXXXXX XXXX  ACCOUNT, AND REIMBURSE ME FOR MY TIME AN\D STRESS. 

XXXX. AS PREVIOUSLY STATED, LEGAL AVENUES WILL BE PURSUED. 

XXXX. PROVIDE NAMES OF STAFF RESPONDING TO COMPLAINT FOR THE RECORD AND FOR USE LATER IN LEGAL PROCEEDINGS. 

XXXX. I DO UNDERSTAND THE CREDIT BUREUS, DETERMINE THE CR SCORE. BUT THEY DO THAT BASED ON INFORMATION FROM CREDITOR, IN WHICH CASE, AFTER XXXX YRS OF NEVER HAVING LATE PAYMENTS OR CREDITOR ISSUES, CAPITAL ONE IS THE ONE COMPLICIT IN THIS TRANSACTION, NOT I. 

XXXX I REITERATE, A JUDGE AND JURY WILL DETERMINE THE OUTCOME. NOT A THREAT, BUT A LEGAL REALITY
Product: Credit reporting or other personal consumer reports

I was in the process of purchasing a new car and I realize that I have damages on my credit report. In accordance with the fear credit reporting act this creditor has violated my rights. under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 604a section 2 It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX SC XXXX XX/XX/XXXXXXXX XXXX XXXX  ( Original Creditor : MEDICAL ) XXXX Balance : {$290.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$7400.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$200.00} ; XXXX XXXX XXXX XXXX Balance : {$780.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$620.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$200.00} ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX & XXXX XXXX XXXX Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXX & XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX