23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/XXXX, I reached out to Wachovia due to financial hardship to initiate HARP application. However, XXXX of the reps asked if we had any water damage due to XXXX as we might be eligible for disaster relief. It was determined that we were eligible for XXXX months of deferred mortgage payments in order to make necessary repairs. As a result, this shows up as a negative on our credit report with ND and XXXX days past due. This account was then closed as we transferred to the HARP program. Wachovia also told us that @ {$30000.00} past due property taxes would be included in the HARP refinance. Instead, the {$30000.00} was paid out separately with a lien against our home. Although the HARP was approved and $ XXXX month payments were made the first XXXX months, the credit report reflects none. We were told that this would be temporary for those initial 3 months, then return to previous. What we did not realize is how this made our credit tank, so that all other companies closed accounts that had {$0.00} balance or lowered our limit making our ratio much higher as all cards looked maxed out. Shortly after, Wachovia was taken over by Wells Fargo, and these discrepencies still reflect as negatives on our credit report. We have disputed these via all XXXX credit bureaus providing Wells Fargo with copies of cancelled checks or statements reflecting the mortgage payment for the months listed as delinquent, to no avail. We have accumulated much debt as my husband had a life changing accident. Property liens, college costs, medical costs, legal issues ... we considered bankruptcy at XXXX point, but we have been slowly digging our way out. 
By XX/XX/XXXX, we were approved for XXXX that would enable us to consolidate school loans and credit debt, as well as past due state taxes as we were at risk at having another property lien placed on our home. The local branch misguided us, Anxiously awaiting the closing, we were dismissed by local branch XXXX that these things take time, anytime we asked about closing dates. It turns out, the loan XXXX took ill, eventually took a leave of absence without fully completing the application. Instead of informing us, the local office resubmitted the application, causing our credit to drop below their required score to obtain the loan. Fortunately, the state was understanding, and allowed us to set up an installment plan to avoid a tax lien. 
After XXXX years, we have significant equity in our home and we are still trying to consolidate our debt. Unfortunately, Wells Fargo continues to maintain our credit score is n't sufficient as they use a different reporting system that give a lower score. Thus, we have to pay higher interest rates on credit cards and school loans, with a larger monthly payment than if we consolidated and paid the XXXX XXXX XXXX each month. 
So today, I receive XXXX letters from Wells Fargo. XXXX, congratulating me as I have been preapproved for a personal loan up to {$100000.00} ... the other, regretting to inform us that we have been denied a home equity loan. Give me a break! 

Maybe I need to complete XXXX different complaints?
Product: Mortgage

This is regarding the mortgage account mess created by Wells Fargo.. 
The co-mingling funds from my mortgage account to pay a balance of {$150.00} for an escrow amount for a lapse in property insurance coverage, in spite of the fact that my mortgage account is not an escrow/impound account. I was told by a customer service representative that apparently there is 1 month 's mortgage sitting in a " suspense account '' somewhere as they claim I skipped 1 month 's payment, which I 've no idea what are they doing with my funds and completely ruined my mortgage account balance. There are all sorts of discrepancies on my mortgage account that I have lost count on what to fix first. 
Now, I 'm being asked to pay {$150.00} amount AGAIN to bring my account current as that amount it shows in my account history has already been deducted from my mortgage account earlier. This is utter confusion and frustration dealing with Wells Fargo Mortgage. 
Why am I being asked to pay that amount again? Why is my mortgage payment in Suspense account? Why is my full mortgage payment being broken up? Where is my mortgage payment ending up? I 've more questions than answers from Wells Fargo. 
This bank has done shady and unscrupulous things to my account. 
See attached screenshots..
Product: Student loan

My student loans are in forbearance with Mohela and I am currently in the SAVE forbearance. I was told verbally that interest would not accrue during this time period but in a recent email it says I am still accruing interest. I was told multiple times the interest would be 0 % until the forbearance is over and there is a plan in place for SAVE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called XXXX XXXX several times to tell them that I NEVER had an account with them. They insist that I did and refused to fix it so I paid this account in full even though I did not ever have an account or card with them ( I suspect its fraud ). It was such a low amount it was not worth hurting my credit when that is the ONLY derogatory thing on my credit. I asked what was the balance and she said {$270.00}. I then asked if it was a secured card like she originally told me that it was opened as a secured card with {$200.00} how could the balance be {$270.00} if the secured limit was only {$200.00}? She put me on hold and came back and said there were fees accrued that caused the extra amount and they could offer a settlement for less than the amount or I could pay it in full. After she explained what the consequences would be with the settlement, I opted to pay the amount in full. That was in XXXX of XXXX. Now it is XX/XX/XXXX and it STILL shows past due {$67.00} and delinquent. The information is erroneous, inaccurate and fraudulent. You can see the inconsistent information on the attached credit report. I This is unfair and unethical because it is not fair credit reporting. It says last activity in XXXX but last payment XX/XX/XXXX. That is inaccurate and must be removed as per the FCRA.
Product: Credit reporting or other personal consumer reports

There is a collection account on my credit report. The company is not licensed to be a collection company in the state I live in.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX  # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX  XXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX # XXXX has violated my rights. 

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for this violations
Product: Mortgage

My Name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX Freedom Mortgage Company - VA Loan # XXXX House purchased in XX/XX/XXXX. 
XXXX - Covid-19 Forbearance started. 
XXXX - Covid-19 Forbearance extended. 
XXXX - Approved for Covid-19 Refund Modification XXXX - Received 2nd approval for Covid-19 Refund Modification XXXX - Loan Modification documents were executed. 
XXXX - Executed Loan Modification documents uploaded to my account by Freedom Mortgage. 

The reason for the gap in time from approval for the Covid-19 Refund Modification and the signing of the documents is because Freedom Mortgage kept spelling my wife 's name incorrectly. It took 5 months and five separate sets of documents for them to spell her name correctly in the body and on all signature lines, despite having the title to the property in their possession and receiving several emails and phone calls telling them how to spell her name. 

As of today 's date, XX/XX/XXXX, our loan is still listed as in loss mitigation. I was told that it normally takes two weeks for a loan modification to be entered into the system and the account to be updated. I understand that due to Covid-19 the volume of modifications, foreclosures have increased significantly while the staff numbers have gone down, so two weeks would have been a miracle, but four months to update our account. During the time our documents were being created and created and created, I received a default notice. After the execution of the documents, I again received a default notice. I am sure my credit is being affected. 

I have called repeatedly. I have emailed repeatedly. I have been told that my case will be escalated. I have been promised return phone calls. Yet, my account is still in loss mitigation. Calls do not get returned. Escalation never goes anywhere. No one nowhere can tell me anything. 

Now all of this is interfering with my ability to obtain an equity investment in my property for a remodel project and upgrades to the property. All the equity company is waiting for is either a letter stating that my mortgage is current or an actual mortgage statement. However, I can not obtain either ... .. Freedom Mortgage can not write a letter stating that my mortgage is current, because it is in loss mitigation, but they can not tell me why it is still in loss mitigation when we have executed a loan modification. And I can not provide a current statement to the equity company, because the current statement shows I am in arrears for funds that would part of the modification. It has become a vicious vicious circle that is affecting my family negatively. I just want it fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX opened on XX/XX/2020 an unauthorized Credit Card account # ( XXXX/XXXX - XXXX ) under my name but with an unknown ( XXXX ) email address. 
XXXX also made hard inquiries on my credit report which reduced my credit score. I have an account with XXXX with another email but I have NEVER applied for credit card EVER with XXXX. This is fraud by XXXX and is purposefully forcing costumers to sign up for their credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I XXXX XXXX received a response from all three credit bureaus Transunion, XXXX and XXXX saying my information was verified. Under law it cant be verified if I never have permission to report. 

Pursuant to 18 USC 8. I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681B 2. Company also has NO permission to report ANYTHING using my info pursuant to 15 USC 1681B 4
Product: Credit reporting or other personal consumer reports

I found inquiries and acoounts on my report that i dont recognize on my report and need them removed as soon as possible
Product: Credit card or prepaid card

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Vehicle loan or lease

on XX/XX/2021 A Deer ran infront and top of my car my car was totalled as soon as I got home I started calling insurance to start claim process. Well found out I was not covered with car rental. So I called where I finance loan like around the XXXX to see if insurance had contacted them they stated no I gave them information of claim adjuster and name and number. They said okay they would put it on the account. Called back on the XX/XX/2021 Because I received an email from claim adjuster stating they waiting on letter of gurantee and title they had already cut a check for them just waiting on those items. So I call Ally Financial and they never wrote the information on when I called and they had not information from the insurance I asked for Total Loss Department and got tossed around to another Customer Service Representative. They do not have a Total Loss Department they tell me to tell insurance to call back at XXXX for Total Loss that is same number I called for Customer Service Number. I am frustrated and stressed they are not getting this done and on their web page there is no other numbers to contact just finance number, no legal department number, no total loss number. Nothing is being accomplished. At this time it is all a cat and mouse game. I have not documents on calls. Their calls are suppose to be recorded. This company claims to be number one and has all this awards they are falsefying. They need auditing by the government because they are not doing their job. Why as a customers should I be doing their leg work and why are they not noting any information down and who is the person to speak to when their is a serious issue with a damaged or wrecked car their is no information.
Product: Mortgage

In XX/XX/year>, I was late on my payment for the first time in payment history. On XX/XX/XXXX, I made the missed XXXX payment via ACH autopay, and I also sent in the XXXX payment via my bank pay bill pay through XXXX XXXX XXXX XXXX. The money left my account but was never applied to my mortgage account. I called on or around XX/XX/XXXX to inquire about why they funds had not been applied. The customer service representative said that it may be in a pending status, but I could clearly see that it had been posted out of my bank account. The representative told me that I may have to wait to show Carrington my bank statement to prove that the payment had cleared. I was dumbfounded because that would mean waiting for my payment to be deemed late to prove that I had paid. Today, XX/XX/XXXX, I looked at my bank account only to see that Carrington had rejected my payment. I called their customer service, and the rude representative said that my bank payment was not deemed to be a certified payment, so they rejected the funds! I was told to use XXXX XXXX oXXXX XXXX XXXX  to pay, which both of those charge outrageous fees. I can wire money from my bank if they MUST have wired funds, but they fail to provide those instructions. It is absolutely terrible to think that a company as awful as this one services loans for our veterans. They should be out of business for their business practices that they want people to fail on their mortgage. I just want to make my payment!
Product: Debt collection

AWA collections is violating my rights under FDCPA 15 U.S. Code 1692f - Unfair practices by charging interest and thusly representing an incorrect amount owed on my credit file. 

When I initially dispute this debt with XXXX I asked for debt validation documents they failed to provide and instead refered me back to the original creditor. It is my understaning under the FDCPA XXXX XXXX. XXXX, they are required to provide this information in which I requested to know if this debt was sold to XXXX by XXXX for collection. Under the FDCPA the collection agency who is reporting on my file, not the original creditor should provide this information. Nonetheless, I had to file a complaint with the Missouri Department XXXX XXXX ( complaint # XXXX XXXX ) to obtain this information as the collection agency did not give me all the validation information I requested. This was the first violation under the FDCPA. XXXX and reporting of the debt did not cease while the debt was validated resulting in a violation of my rights under the XXXX. 

XXXX is chagning the amount due on my credit file because they are adding interest. I have dispute this with XXXX. XXXX 's response was because their office is in California they are allowed to bill me interest under the California law. This allgeded debt, that I still dispute, originitated in Missouri where I live. FDCPA 15 U.S. Code 1692f states the collection agency can not collect interest or add fees XXXX is violating my rights by doing both - adding interest and fees. When I disoute their response stating the alleged debt originated in Missouri, they then stated they can charge interest under Missouri law which is still a violation and also makes the balance reflected on my credit profile incorrect. 

XXXX, XXXX and XXXX violated my rights because I dispute this debt with them and they contiue to validate the debt withouth providing to me the proof they have that validates the amount of the debt or the validity of the debt. XXXX and reporting of the debt did not cease while the debt was validated resulting in a violation of my rights under the XXXX.
Product: Prepaid card

Hello, I am having trouble using XXXX XXXX {$50.00} American Express prepaid cards. I am unable to use them to make online purchase with retailers and payment services such as XXXX and XXXX XXXX. Using the prepaid cards ends with a {$0.00} pending transaction ( to verify the card ) but is declined when making any purchases.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Experian document after document, talked to them on the phone, sent in additional documents and everything they have asked only to get " Part of all of your complaint can not be done because ... '' They are incorrect. They asked for more specific information regarding my dispute with a XXXX  XXXX XXXX XXXX, a XXXX XXXX XXXXXXXX record, a XXXX XXXX XXXX, a XXXX XXXX, A XXXX Record and a XXXX  Record and I detailed my reasons why these should be under dispute, but they deny it each time. 

I have been sent document after document about being a data breach victim, going back to 2008 and everything I had, I sent them. Recently, I was a fraud victim involving an Unemployment filing in my name in which I was directed and DID file with the FBI, but I was directed to give a voice statement and have no record of that. 

I want these accounts disputed as I wished, again, properly
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 also states a consumer reporting agency can not furnish a account without my written instructions 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. 

TransUnion Employer : XXXX XXXX XXXX Addresses : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX Addresses : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/XXXX, my online Citizens account reflects a charge for {$95.00} for Mortgage Insurance for HUD-Risk Based Premium payments, however, the loan was paid in full on XX/XX/XXXX. 
I requested a review of this charge for mortgage Insurance and deduction from my escrow account. I have confirmed with Title Agency, XXXX XXXX XXXX XXXX XXXX, who closed and prepared the closing documents, that PRO-Rata MIP fee assessed on my closing statement already covered the XXXX Mortgage Insurance Payment ( paid to Citzen 's One ). An attempt to rectify this issue with a customer service agent on XX/XX/XXXX and a letter sent to the bank on XX/XX/XXXX and XXXX XXXX, XXXX have led to " no findings '' however the bank has provided no context to how the Pro-Rata MIP paid to them in addition to the fee 's paid to the bank from my Escrow can be justified. 

A letter dated XX/XX/XXXX, simply stated : Your concerns were addressed in previous correspondence dated XX/XX/XXXX, and attached the same response. 

In more detail : Pro-Rata MIP represents Mortgage Insurance Premium. In my closing, held on XX/XX/XXXX, I paid {$190.00} to Citizens or {$95.00} for each month. At which time, no additional payments should have been drafted from my escrow fund. Despite that, they were. 
I have not only been charged from my escrow but double charged for both XXXX and XXXX via escrow, closing payments, and a regular mortgage payment made XX/XX/XXXX. 
The Pro-Rata MIP fee at closing appears to represent the monthly premiums for two months of Mortgage Insurance ( {$95.00} each month for a sum of {$190.00} ). 

Here are the details for payments made regarding MIP : - XX/XX/XXXX Mortgage Insurance Paid via monthly mortgage payment/escrow deduction of {$95.00} XXXX Pro-Rata MIP paid via closing deduction of {$190.00} XXXX Mortgage Insurance Paid via Escrow Deduction of {$95.00} From XX/XX/XXXX to XX/XX/XXXX a total of {$380.00} was paid for Mortgage Insurance Premium. 

Refund For Incomplete Services Included in the closing settlement statement prepared by XXXX XXXX XXXX was a list of fees paid to Citizens One Home Loans. Such fees represented an obligation to accurately and properly fulfill obligations to me as a customer and seller. Citizens One has failed to fulfill that obligation by ensuring that my account balance and information on file with the bank were accurately reflected and kept. Since my request on XX/XX/XXXX, and subsequent letters dated XX/XX/XXXX and XX/XX/XXXX, Citizens One has further demonstrated that even after said review, they are woefully inept to fulfill their obligations to rectify and respond appropriately. Therefore, I am still requesting a full return of the {$38.00} recording fee and the {$5.00} fax/statement fee paid to Citizens as the services paid for were unsatisfactory and incomplete. 
I look forward to resolving these matters promptly.