23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have XXXX mortgage accounts with Western Alliance Bank ( XXXX ) with the following property addresses and loan numbers. 
XXXX. XXXX XXXX XXXX, XXXX, CA XXXX ( Loan # : XXXX ) XXXX. XXXX XXXX XXXX, XXXX, CA XXXX ( Loan # : XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX ( Loan # : XXXX ) I received XXXX letters from informing me that the loss mitigation applications for the XXXX and XXXX  properties are rejected because the investor has not approved the forbearance plan, repayment plan and payment deferral. ( see attached of both letters ). Prior to receiving these letters, XXXX agent called me on XX/XX/XXXX and informed me that the XXXX  loan ( XXXX XXXX ) was approved for forbearance plan on the month on XXXX, XXXX and XX/XX/XXXX. On XX/XX/XXXX, I received another phone call from XXXX, XXXX of the assigned agent for XXXX of loss mitigation applications that all loss mitigation applications for all XXXX loans are rejected and I should be receiving the denial letters. I informed him about the phone call on XX/XX/XXXX informing me the forbearance approval on XXXX XXXX and he said that the agent was incorrect. I also asked several XXXX agent whether my loan is XXXX XXXX loan and the investor is XXXX XXXX  XXXX I received different answers that the investor of my loan was XXXX or XXXX ( loan Held for Investment ). I explained to the XXXX agents that XXXX other conventional loans ( XXXX XXXX loans ) that I hold are approved for mortgage forbearance already from other loan servicing companies, such as Service XXXX and XXXX XXXX XXXX XXXX ( See attached forebearance approval letters from both companies ). All the loss mitigation applications that I submitted to XXXX, XXXX XXXX and XXXX XXXX, XXXX were based on identical reasonings shown on the hardship letter, such as unemployment, settlement agreement paid out to tenant in XXXX XXXX XXXX, XXXX XXXX, CA XXXX, and flooding disaster on the property located on XXXX XXXX XXXX XXXX, XXXX, CA XXXX ( see the attached hardship letter ). In addition, all these properties serviced by XXXX, XXXX XXXX and XXXX XXXX, XXXX are investment properties. Nevertheless, the agent kept mentioning to me that the investors rejected the loss mitigation applications. 

I finally requested the supervisor to call me back to explain the outcome and clarified the loan types and investors. I received a phone call from the supervisor on XX/XX/XXXX, who finally clarified that all loans are XXXX XXXX loan. She also informed me that all the denial letters for all XXXX loans will be uploaded on the loan portals. I never received the denial letters on the client portals, but on the mail on XX/XX/XXXX and XX/XX/XXXX for the XXXX  and XXXX loans, respectively. Thus far, the denial letters for the XXXX loan has not been received in the mail. I believe that my loss mitigation applications reviewed by XXXX have not been properly evaluated according to the XXXX XXXX XXXX 

I just received the denial letter for XXXX XXXX XXXX XXXX XXXX, CA XXXX. So, I would like to include this property for review of loss mitigation per XXXX XXXX guideline.
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 OF XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As you can see from the numerous complaints I have filed against the XXXX credit bureaus. Each time they attempt to make changes to my credit report it continues to make my report WORSE! 

I feel like I am being stalked. If I apply for credit it instantly and I do mean instantly hits my credit report and it makes my score go down. When I pay the credit down or off, it makes my credit score go down and it takes at least 30 days to see the impact. 

I take exception to creditors determing when and whom I apply for credit with. No one, except me knows my goals or objectives. Just some unintelligent folks trying to determine them for ME? If the credit system would have analyst that could really analyze we might make some progress. 

I still have not obtained my first goal - REFINANCE MY EXISTING XXXX XXXX XXXX Mortgage. Thanks to the 3 Unfair Credit Bureaus providing inaccurate information, I did not QUALIFY. ( NOT TRUE ) Had the credit information been correctly reported, I would have my refinance and have {$1900.00} more in my account monthly and be paying {$1900.00} less per month for a MORTGAGE PAYMENT. 

Being that I am Retiring and planned on my Retirement Car Purchase after the Refinance I now have to get the vehicle having to qualify with a different SCENARIO! 
What's Fair about that? 

NOT FAIR NOT FAIR! So much for the Fair Credit Reporting Act! 

I Demand that EVERY creditor I applied for Credit With be sent my corrected CREDIT REPORT and that I be CC 'd with the Scores and an explanation from them as to why I did not but would have Qualified given the correct informationl. 

I am going to say it again -- - The Credit Reporting System needs a Total Revitalization to be Viable in the changing financial environment! 

I am document the nonsense that has occurred since I starting investigating my credit report. In addition, due to the incorrect information the bureaus reported, creditors unfairly reduced my credit lines without justification. What's fair about that? 

I just want to live my life without feeling like I am being XXXX! That's how it feels. 

I wonder how many consumers there are that can not be as persistent at me. 

Do they ever answer the consumer 's questions. Resilient Score- Really. 

My Credit Report should REFLECT : Good Credit Risk Pays On Time Pays Most Long term bills Ahead of Maturity Dates Had financial challenges Overcame them Resilient Networth Vastly Exceeds Debts NEXT?
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX ACCOUNT XXXX XXXX In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Unless the creditor has adopted it reasonable procedures designed to ensure that each periodic statement including information required by ( Section 1637 ( b ) ) Is mail or delivered to the consumer not later than 21 days before payment due date. There are certain clear and conspicuous disclosures that this creditor was supposed to provide me with 21 days prior to my statement due date that I didn't receive which is a violation of 15 US code 1666b.

Also 18 US code 8 states that the obligation of this day is already paid for by the United States.

12 CFR PART 1026.11 ( a ) CREDIT BALANCES. when a credit balance in excess of one dollar is created on a credit account ( through transmittal of funds to a creditor and access of the total balance due on an account, the rebates of unearned finances charges, or insurance premiums, or through amounts, otherwise two or held for the benefits of the consumer ), the creditor shall : 1. Credit the amount of the credit balance to the consumers account.

2. Refund any part of the remaining credit balance within seven business days from receipt of a return request from the consumer.

3. make a good faith effort to refund to the consumer by cash, check or money order or credit to a deposit account of the consumer. Any part of the credit balance remaining in the account for more than six months no further action is required if the consumer current location is not known to the creditor and can not be trace through the consumers last known address or telephone number.

This creditor is in violation of 15 US code 1692 J for furnishing certain deceptive forms creating a false belief into consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to allegedly owes such creditor, when in fact such person is not so participating. Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under ( Section 1692 K ) For failure to comply with a provision of this subchapter.
Product: Checking or savings account

Excessive overdraft and late fees charged by wells fargo for both my checking accounts and credit cards
Product: Mortgage

Bayview Loan Servicing charge extra interest including unsubstantiated fees to payoff loan when loan was re-financed to XXXX XXXX. 

The principal outstanding was : {$300000.00}, however interest of {$2300.00} was added on although this interest only loan 's monthly payment was already made and some additional charge ( fee ) of {$660.00} was added in. I received a check from Bayview for only {$350.00} leaving {$2700.00} to still be refunded. I contacted Bayview several times starting on XXXX/XXXX/2016 but have received no response. 

From the attached payoff letter sent from Bayview to XXXX, you can see they have added in interest again on the loan ( {$2300.00} which the calculation does n't even add up ) of which this interest was already paid ( The refinance closed on XXXX/XXXX/2016 ) You can also see that there is a {$660.00} amount added on which violates the mortgage agreement as there is no condition that occurred that should have imposed such a fee.
Product: Credit reporting

I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to* promptly delete all information which can not be verified* that I have disputed. Please resolve this manner as soon as possible. Thank you
Product: Debt collection

This complaint is against XXXX Account # XXXX. I have no contract with this XXXX XXXX debt collector. They also never notified me in writing and if they did please provide evidence that you notified me before parking this on my consumer report without my consent. You are in violation of the FDCPA if this account isn't removed/ deleted from mv consumer reports I will pursue suit and remedy to a federally protected consumer. Account number listed on my consumer report is XXXX I have never done business with XXXX Account # XXXX delete this from my consumer reports. I am also questioning the account balance listed own my consumer report shows a balance but why is the original balance a different amount? I also have the right to privacy I need this deleted/ removed because I never gave you consent to furnish this on my consumer report and if I did where is the evidence. You are also reporting inaccurate and incomplete information why are there payment terms of 1 month on this collection account buy the name of XXXX Account # XXXX? If this is a collection account how can you put a status of " XXXX ACCOUNT. past due ''? have never opened an account with XXXX Account # XXXX remove and delete this immediately. Why is there a date opened? I have never opened an account with XXXX  Account # XXXX and if I have where is the evidence that gives you the right to report this on mv consumer report? DELETE REMOVE IMMEDIATELY
Product: Credit card

I am writing to request a refund for interest fees that appear to be overcharged on my account. After reviewing my statements, I believe there may have been an error in the calculation of these charges. This has created an unexpected financial strain, and I kindly ask for the fees to be refunded or adjusted to reflect the accurate amount. Your prompt attention to this matter would be greatly appreciated as I work to resolve this issue.
Product: Debt collection

I contacted XXXX McCabe Trotter and Beverly on XX/XX/XXXX about my hoa fees that were placed with them for the amount of XXXX. They advised me that I was sent a notice in XX/XX/XXXX, made XXXX XXXX in XX/XX/XXXX. I advised them the only notice I received is a dated notice on XX/XX/XXXX. I advised him I was disputing the validity of the debt because I didnt receive notice from my H O Way management property XXXX. The customer service agent then began to yell that I didnt pay my bill. They were trying to collect it for me since XX/XX/XXXX. I advised that was incorrect that the file was wasnt place we all until XX/XX/XXXX and my balance is only {$200.00}. Why are you telling me I owe XXXX since XX/XX/XXXX. I asked to speak to someone else men multiple times because she was unprofessional. She refused and told me that I was the only person that she was going to ever speak with about this. I hung up and called three different. Try times trying to get in touch with someone else to get the validity of the dead in the correct amount because she kept changing the amounts and I didnt know if she if it was fraudulent or not at that point. I asked her to send me proof by mail. She got upset by that and said that I owe the bill I just need to pay it. I hung up. She called me back twice to taught me and basically said now my bill has gone up to XXXX instead of the XXXX its because she assessed another fee. How is this legal for her to them to continue assess fees and calling, harass me about it and taunt me about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had several incidents of theft of personal identity items throughout the past years, birth certificates, social security cards, and IDs. I have endured years of fraudulent accounts being opened in my name during various timeframes. Several accounts have appeared on my credit report and I have relentlessly did everything in my abilities to communicate with all credit bureaus to have these items identified as fraud and be removed and even after supplying information of the police reports and criminal investigations that have been filed my credit file remains inaccurate and all 3 credit bureaus have failed to remove these inaccuracies. I am highly upset at the amount of inaccuracies that remain displayed on my credit file. I wish to have this matter resolved and removed immediately. Documents are attached to this complaint to support the multiple incidents of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consider this complaint as a follow-up to my prior complaint dated XX/XX/XXXX, that contains disputed items that came about to be fraudulent, Please remove the items for they are causing damage to my scores and files in my credit report, Here are the aforementioned items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section XXXX ( a ) ( XXXX ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Product: Mortgage

I refinanced my home in XXXX XXXX with Loan Depot, in early XXXX they sold the loan to another vender. Recently I went to get a HELOC and when the title search was done it was noted that Loan Depot had filed multiple Close End Deed Trust against my home ( see Attached ) when they should of only filed XXXX. I have contacted my current lender and they said Loan Depot had to clear these, I contacted Loan Depot several times with extensive conversations and they have tried to refer me to everyone else. I finally went to the county and they said Loan Depot has to clear these. Again I contacted Loan Depot only to be told now they can do nothing for me since I do n't have a loan with them. I need to have them clear the Liens against my home which they falsely filed. I have spent upwards of 100 hours doing the foot work to get this resolved and Loan Depot has been unhelpful at every turn.
Product: Mortgage

To Whom it May Concern : I am having the worst experience with the " loan depot '' servicing department in New Jersey. Every time I call I am put on hold for over 30 minutes. Currently, I am on hold with the new jersey office for over 41 minutes with no response. I called an hour ago and was able to reach a representative who put me on hold to look into my account and the call was dropped. I had the most amazing experience on the financing side so this is completely disheartening. I made a {$710.00} payment on XX/XX/XXXX and it was never credited to my account because my bank had blocked my bank draft for XX/XX/XXXX. Loan depot is now trying to send me to collections saying I am behind by one payment and hasn't credited this {$710.00} payment to my account. I also made a full payment of {$1200.00} on XX/XX/XXXX as well. This is going to affect my credit horribly, so I am trying to get this addressed by the end of the month. My {$710.00} payment was pulled from my account but is not credited towards my mortgage and is lost somewhere. That is a large sum of money to have just sitting out in the atmosphere. I have also sent two emails through my payment portal ( see attached screenshot ) that have gone unanswered. I emailed XXXX ' on XX/XX/XXXX as directed by the new jersey office with my bank statement showing the money pulled out. Then, today I was told that was the wrong email and it needs to be sent to XXXX. I emailed them today and I have receipts of every phone call and email I've sent. 

Please see the attached supporting documents and all the emails that have gone unanswered. I can not correct the issue because the communication and customer service has been awful. I have called over 20 times between XXXX with no resolution.
Product: Credit reporting or other personal consumer reports

This morning, I saw unauthorized inquiries on my credit report and have no idea why they're there. After my usual review, these unexpected discrepancies appeared. I refreshed the browser in case it was a mistake, but nothing changed. I need this fixed immediately, and I am deeply frustrated. Please carefully examine the documents I've sent to prevent this from ever happening again.
Product: Credit reporting, credit repair services, 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. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. 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 items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I made purchases and wired money totaling {$10000.00} to XXXX XXXX whom I met online and had been communicating with since XX/XX/XXXX. He said that he would reimburse me by making an online payment to my American Express credit card and I agreed. 

XXXX XXXX made an online payment of {$21000.00} to my American Express account on XX/XX/XXXX. I asked him why the payment was more than what he owed to me. He stated that he needed me to make purchases for him since he was working in a remote area of XXXX and had been mugged. He needed to sell the items, gift cards and XXXX, to raise money to pay his bills in XXXX return to the US. He said that he only had online access to his banking accounts but had no way of retrieving the funds at his location since he lost his IDs and credit cards during the mugging. 

I called American Express customer service on XX/XX/XXXX prior to making any purchases on my account. I specifically asked if the {$21000.00} deposit had cleared and if the funds were available. I was told that the deposit had cleared and the funds were available because the deposit was made online. I began to make the purchases that XXXX XXXX requested of me, only because the information that I was given. I believed that the deposit into my account had cleared. 

XXXX XXXX made a second deposit of {$13000.00} on XX/XX/XXXX and a third deposit of {$7500.00} on XX/XX/XXXX. The amount of deposits made into my account totaled {$42000.00}. 

XXXX XXXX XXXX, an employee of American Express called me on XX/XX/XXXX inquiring about the deposits and purchases recently made on my account. I explained the full situation to her. She suggested that I was a victim of a scam. I gave her all the information that I had including names, phone numbers and addresses of the people that I shipped the merchandise to. I stressed that I called customer service to verify that the deposit had cleared prior to my making the first purchase. XXXX XXXX XXXX informed me that I would be responsible for making payments to cover all the charges on my account. I spoke with XXXX XXXX XXXX one or two times following the initial call. 

I called Consumer Financial Protection Bureau on XX/XX/XXXX to explain what had happened and was given the contact information for the Federal Trade Commission and the web address consumerfinance.gov. I was given an Inquiry Reference Number XXXX for my call. 

I called the American Express Fraud Department on XX/XX/XXXX and spoke with XXXX XXXX XXXX. She said that this wasnt a matter of fraud because I had made the purchases on the account. I explained that I did not agree that I should be held responsible for the charges since I called American Express first to verify the deposit. I asked her how I could escalate this with American Express. All that I was given was the web address to file a complaint with the Internet Crime Complaint Center within the FBI, www.ic3.gov. 

I am asking American Express to wave the charges made to my account following my conversation with customer service on XX/XX/XXXX where I was told that the deposit had cleared and the funds were available.