23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was on a repayment plan from three months ; XX/XX/XXXX - XX/XX/XXXX, of which payments were due on the XXXX of the month ; My regular monthly payments were {$1400.00} and the repayment plan amount was {$1.00}, XXXX. In XX/XX/XXXX, I called Ditech to inform, that the XX/XX/XXXX payment was being returned, due to my direct deposit pay was being deposited after that date, which the representative indicated that was fine. As a result, the payment was received XX/XX/XXXX ; XXXX was paid on time XX/XX/XXXX ; XXXX 's was paid on time, and. XXXX was the month I would resume my increase payment of {$1500.00} ; l of which I paid {$1500.00} for the month of XXXX, During my conversation in XX/XX/XXXX, with the Ditech representative, I was advised. that once the re-payment expires in a XX/XX/XXXX, monthly payments would increase to {$1500.00}. Prior to her informing me of the increase, I had no idea, I never received correspondences via mail, email or phone. I received a call Saturday, XX/XX/XXXX from Ditch stating I was ( 60 ) days late and owed {$2600.00}. I was floored, for I honored the re-payments and thought I would be current once completed. The representative requested for me to provide my bank statements for the time period I was on the repayment as proof of payment ; Although the call was on a Saturday my bank was opened I immediately went to XXXX and the bank manager fazed the same day. 

On XX/XX/XXXX, I called Ditrech, to inquire the status of the investigation to the outcome as to why I was still in arrears. I spoke with XXXX x XXXX ; she was amazing, through her professionalism, she was able to identify why I was in arrears. She indicated that the calculations, that were calculated by Ditch, were prepared incorrectly. 

As the result, the payment plan was less the amount owed. I thought to myself, here we go again ( happened in XXXX ). Ditech has caused yet another financial hardship. Based on her calculations and my recent payment of {$1500.00} received ;, total I need to pay for ( 6 ) months {$1900.00}. 

Why do I find myself constantly battling with Ditch for employees who are not professional, lack being detailed oriented, lazy and are working just waiting to punch out frim their shift. Im frustrated for this is not my first complaint about the mishandling of my account. Why do I have to be the one to pay for the lack of work ethnics, knowledge and from your employees? This DItech organization has no idea or lack to the understanding as to how they are placing folks in jeopardy of their home.? I do not think that the lack of planning and adequately addressing consumers needs should all fall on me I would like a resolution Thanking you i n advance
Product: Credit reporting, credit repair services, 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 UCS 1681. 

XXXXXXXX XXXX XXXX XXXX Account number XXXX, has violated my rights. 

XXXX XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

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 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 information is inaccurate.
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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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 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 informationisinaccurate. 
Please remove these Inquiries from my credit report. 
These inquiriesarelisted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have tried challenging the 100 % accurate reporting of information being reported by XXXX XXXX and equifax for an account that reads that the creditor is XXXX Bank various times ... ..each time they send letters saying that they are reporting accurate information... how is that so i am looking at my credit report as we speak and can see the inaccuracies... all 3 credit bureaus are violating my consumer rights so i am reaching out to you the cfpb for help .... 

this account is reporting 3 different dates of last payment transunion and experian are reporting XX/XX/XXXX equifax is reporting XX/XX/XXXX but if you look at equifaxes 2 year history they are reporting XX/XX/XXXX as the date of last payment they are reporting 3 different dates of last active transunion is reporting XX/XX/XXXX XXXX  is reporting XX/XX/XXXX equifax is reporting XX/XX/XXXX this company is reporting this as a charged off account but never send me a copy of a 1099c as required by law...
Product: Money transfer, virtual currency, or money service

I'm a Wells Fargo customer who recently ordered {$30000.00} worth of euros on behalf of my co-account holders, who live in XXXX, in XXXX XXXX. 

On XXXX XXXX, I went to the branch near where I live in Virginia to order them and was told there would be no fees associated with this transaction. Because the dollar amount exceeded the branch 's limit, I had to order the euros online. The official exchange rate on XXXX XXXX was {$1.00} for XXXX euros. 

I picked up the euros at the branch on XXXX XXXX and later that XXXX  noticed that the exchange rate Wells Fargo used was {$1.00} for XXXX euros. I was surprised by the discrepancy, and, assuming an error was made, I called Wells Fargo on XXXX XXXX and was told by a customer service representative that the bank " uses its own exchange rate. '' This was the first I learned of this. Wells Fargo 's exchange rate cost my co-account holders XXXX euros, or {$1500.00} -- essentially a XXXX upcharge. 

As far as I'm concerned, this constitutes a misrepresentation, a failure to disclose and a lack of transparency. Not telling customers that Wells Fargo uses foreign currency exchange rates that exceed the daily rate is, in my opinion, a violation of the bank 's fiduciary duty. Transparency laws, such as the Truth in Savings Act, Unfair or Deceptive Acts or Practices and the Dodd-Frank Act, generally require banks to inform customers of any and all costs affecting the transaction. That didn't happen in my case. No one at the branch told me to expect it, and I saw nothing online when I ordered the euros. 

My wife is a longtime XXXX XXXX and XXXX, and her industry requires her to communicate all fees to clients, or face fines and other disciplinary measures if she fails to do so. 

Wells Fargo 's failure to mention that uses its own foreign currency exchange rate is a failure in communication. 

The bank needs to do a better job of telling customers how it makes money on foreign currency exchanges so they can make informed decisions. Failure to do so should lead to consequences.
Product: Debt collection

Mariner Finance has reported to credit bureau that I owe a debt in the amount of {$2200.00} on an old account. However, I have never signed a contract, applied for or had any type of loans with the company Mariner. 
Previously I attempted to resolve this inaccurate and misrepresentation of my financial obligation with no success. XXXX XXXX XXXX has not been able to provide legal documentation holding me accountable for the debt reporting to my credit file. This false representation has put a burden on my credit worthiness and I am demanding that it be removed as it violates my consumer rights.
Product: Debt or credit management

I have a 'deht collection " of XXXX by Original Creditor XXXX XXXX XXXX XXXX XXXX 
Original Act # XXXX Balance XXXX Location - XXXX XXXXXXXX XXXX Current Creditor- Cascade Capital Finding LLC Creditor Act # - XXXX & & I was XXXX XXXX at the time. I was XXXX  at XXXX XXXX XXXX XXXX in XXXX XXXX NC . I believe it was XX/XX/XXXX. It was near the end of XX/XX/XXXX. I was sent to the XXXX due to a very bad XXXX XXXXXXXX, that started XXXXXXXX XXXX XXXX XXXX XXXX so they had to call XXXX. From the hospital they sent to to XXXX NC XXXX. I have documents for proof of me being XXXX from XX/XX/XXXX I was in XXXX XXXX XXXX XXXX NC , transferred to XXXX XXXX XXXX XXXX XXXX NC XX/XX/XXXX and that's when I was sent to XXXX XXXX by XXXX , and went to XXXX from there XX/XX/XXXX I was released from XXXX. Therefore, I was XXXX XXXX and I'm NOT reliable for the bill. I've contacted different people every time I got a letter about the XXXX. I've contacted XXXX XXXX XXXX about it and everything else. Then it gets put on my credit report and it shouldn't be. I'm trying to fix/build my credit as it is ....
Product: Debt collection

I have reached out this Debt Collecting Company and fully paid this debt and they mentioned to remove it off of my credit profile and then didnt. 
I am in good standing with original creditor and account manger at the branch has also said they are willing to remove it and make a good will adjustment as collection has been fully paid but collection company has to authorize it This collection company is i reporting information to credit bureaus is affecting me negatively and has costed me lot of money. Along with that it has hurt my ability to obtain new accounts such as mortgage and has affected my credit rating and this account went to collections at no fault of my own. but due to a fraud situation i was taken advantage of. 

i want that this information be removed if so my credit report is accurately being reported to the credit bureaus. and doesn't hurt me to qualify for a mortgage as it affects my credit rating and doesn't accurately
Product: Debt collection

Name Of Collection : Credit Collection service Date opened : XXXX XXXX Amount : {$120.00} Hello my name is XXXX XXXX and i have contacted you guys for weeks, i have XXXX collections account on my credit report that it fraudulent i am a victim of identity theft, this has been a true nightmare i have been soo depressed because of how much trauma this has caused me i do not deserve this and i need justice for this please
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report it states that I have two deliquient accounts with XXXX witch was sent to XXXX XXXX XXXX XXXX with a balance of {$2300.00} on one on XX/XX/XXXX and the second one for {$260.00} on XX/XX/XXXX that do not belong to me and this is the first I have known of it and I filed a dispute with the credit bureau. 

Also there is two accounts that are also in collections from XXXX XXXX XXXX one for {$3300.00} on XX/XX/XXXX and the other one is for {$250.00} on XX/XX/XXXX these accounts are also not mine I have never bailed anyone out of jail and I filed a dispute with the credit bureau on these on XX/XX/XXXX. 

A bank account or credit card at XXXX XXXX XXXX XXXX was opened in my name with a balance of {$600.00} as well on XX/XX/XXXX that was not me I have filed a dispute with the credit bureau on this as well on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is about trans union. I called XX/XX/2022 and was told I could call XXXX and ask questions about my credit report. 

I called last week around XX/XX/2022. I tried to ask the individual about my credit score because it has been having extreme shifts in points where there is no change in my credit report or debt. I wanted him to explain this to me. 

1. He could barely speak XXXX and I could not understand him. 

2. I could hear he was not in an office as there were home noises during the entire call and the static was also an issue.

3. He would not answer my questions, he kept taking me in circles telling me about my derogatory accounts and on and on when those derogatory accounts have been on my credit file for a very long time and there have been no new ones in years.

4. I have filed two disputes in the last months and after this my credit score fell. Two weeks ago it went up to XXXX now its back at XXXX. He would not explain why. 

5. I finally asked him what country he was in. He told me XXXX XXXX. I am furious about the fact that people dont even live here in the United States have access to our credit our Social Security numbers personal information etc. Theres so much identity fraud going on in here I was talking to someone that was obviously in his home talking to me. The whole institution of credit reporting and monitoring is something that happens here in the United States to people here in the United States it has nothing to do with anybody else in any other country. Nobody should have access to that outside of the United States and Im appalled That this is being allowed. I have had the same experience with XXXX  and other companies to outsource their phone calls to countries outside of the US because they are advocating XXXX labor into these poor countries. These people that work for these companies only know how to give scripted answers and they dont know how to help us and our personal information should be available to them anyway. I wan na know its all consumer credit reporting agencies do this and why this is being allowed. If your company monitors and regulates what they do then why dont people know that this is happening? I can guarantee you anybody I talk to you its not gon na know The people in XXXX XXXX are accessing their private information and credit reports and trust and believe Im gon na start telling people.
Product: Credit reporting or other personal consumer reports

I contacted the following companies regarding the unauthorized inquiries that are currently being reported on my credit report and asked for them to be removed. According to the FCRA these unauthorized and unverified accounts must be removed. They denied my request and ended the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Equifax online on XX/XX/2022 regarding items on my credit report collections that did not belong to me. I have escalated the dispute to investigations multiple times over XXXX and XXXX. The problem has still not been resolved as of XX/XX/2022. They give me different information every time I call.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Time Financial is reporting incorrect information on my credit report. I noticed the error and have disputed the account a couple of times with no results. This car loan was paid in full XX/XX/2016. On my Experience it shows that the car was repossessed XX/XX/2016 and XX/XX/2016. Also, report shows that NO Data was reported from XXXX XXXX XX/XX/2016 where is shows the two months of repossession. I have the title for this car as well as a letter from the company that the loan was paid in full and the car no belonged to me. 

I apologize for being so upset, however, your mistakes are causing me a world of trouble.
Product: Credit reporting or other personal consumer reports

XXXX XXXX REPORTING AGENCY IS REPORTING FALSE INFORMATION IN VIOLATION OF THE FAIR CREDIT REPORTING ACT ( F.C.R.A ) INFORMATION ON MY CREDIT REPORT IS OUTDATED AND COMPAMPANY FAIL TO REMOVE OR CORRECT THIS INFORMATION. 

THE STATUE OF LIMITATION HAS PASSED, DEBTS HAS BECOME TIME-BARRED CREDIT REPORTING TIME LIMIT THIS INFORMATION SHOULD NO LONGER AFFECT MY CREDIT OR ACCESS TO EMPLOYMENT.
Product: Mortgage

Trustmark Bank, XXXX XXXX, XXXX XXXX, XXXX XXXX my situation with the home that i.have problems with led.to my foreclosure this home has a lot of problems with Electrical and Plumbing with water leaking into my hallway with water at least XXXX feet of water in my basement there are a lot of problems I could not even get insurance for this home because of the Electrical and Plumbing issues i was ruled ineligible because of the property problems with Electrical and Plumbing also I contacted XXXX XXXX XXXX deals with mold and abestos saw the water in the basement and said that water is coming from underground and that is causing the problem but said the previous owner and XXXX  XXXX should have known that. The gentleman said that something should have been built so the water wil.have a way out I was told by the agent XXXX XXXX that no water will get no higher than XXXX inches because the submersible pump that they had in the basement but unfortunately the pump did not work and have water in the basement because of the high Electrical bill and water bill Al 's I have other bills and responsibilities to take care of and I fell behind on my bills I spoke with a few realtors file a complaint with the Mississippi realtor association the realtors have seen the pictures and videos I sent them concerning this home also abestos is in my attic where water from the ac has leak everyday and damage this is a FHA loan I also reach out to FHA concerning the issues with this.home and delay and stop the foreclosure its a lot of problems and trying to get someone attention because this is not right I wanted submit more videos and pictures but it would not allow me submit no more than 1.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain fraudulent accounts and inquiries on my credit report, as I am a victim of a recent data breach. According to the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681c-2 ( a ), I request that you remove the accounts and inquiries detailed below. 
XXXX Accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

There is no factual evidence from the escrow analysis that the {$530.00} credit was taken into consideration for the escrow analysis. This company consistently fabricates situations to their advantage. I can write complaints all day on this, every day for the rest of the year. They have done nothing except send fabricated documents that do not pertain to the escrow analysis documents I've sent on 2 occasions. A third complaint will be issued and request an updated escrow document with the credit clearly identified in the escrow analysis. A ledger of historical payments will not suffice and is irrelevant at this point to resolve this issue.
Product: Checking or savings account

My bank NFCU illegally charging me non sufficient funds before posting my deposits. They were also charging me twice returned check fee for the same transactions. They were also charging me XXXX fees that were decline in real time transactions.
Product: Debt collection

Dear Sirs/Madams Re : Illegal litigation practices, using the GA court system for the purpose of intimidation, deceptive court filing to coerce consumers to pay, faulty/unsubstantiated evidence to churn out a lawsuit, violation of Dodd-Frank Wall Street Reform, violation of Consumer Protection Acts prohibition, violation of the Fair Debt Collection Practices Act, by XXXX XXXX XXXX XXXX and/or Bank of America. 


In response to the attached letter left at a relative 's address, I received a copy of the letter via e-mail, shortly after contacting Bank of America asking  again for a feasible repayment plan. 

The letter sent via CFPB, dated XX/XX/2018, contradicted the letter sent via XXXX County, dated XX/XX/2018. 


Perhaps the CFPB should make XXXX XXXX XXXX XXXX and/or Bank of America. 

pay {$3.00} XXXX to the Civil Penalty Fund. 


Again, I do not reside in the jurisdiction of XXXX County court. Furthermore I am not able to travel over there to attend the meeting, scheduled on XX/XX/2018. 



This expired debt was charged off by Bank of America ( the creditor ) and then the written-off / worthless debt was sold to XXXX XXXX XXXX XXXX ( the debt collector ). Both the creditor and its debt collector failed to properly offer me a repayment arrangement and now they also failed to properly inform me about their intention to file a lawsuit. My calls to Bank of America and XXXX XXXX XXXX XXXX get re-routed to robotic assistant, voice mailbox and then terminated. Now the collector is attempting to win by default judgment. 

I have an on-going case here in XXXX/XXXX and can not leave. Bank of America and/or XXXX XXXX XXXX XXXX are welcome to lodge their claim in a court in XXXX, XXXX. Nevertheless, XXXX/XXXX  laws require proof of failed resolutions via out-of-court communication as the first step before a proper lawsuit can be filed in a court. 


Regards XXXX XXXX