23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Follow up to complaint XXXX. Truist did establish escrow and pay taxes as requested. However, my monthly payment was increased from $ XXXX/month to $ XXXX/month. Approximately five ( 5 ) times greater than current payment and approximately 72 % of my net base salary. 

Truist did not work with me on any payment options or down payments prior to establishing the new monthly payment. Attempts to resolve through their Escalation Department were pushed back to stand customer support and thus receiving the run-around that prompted the initial complaint.
Product: Vehicle loan or lease

I was paying Santander for my car payments because they are the company that does the financial payments for my loan. My car was repo sometime in XXXX. I was callings to get some information on my account from Santander & I just found out yesterday that all my payments since 2014 has all gone to high-interest loans to car, basically I paid {$17000.00} on high interest rate only, & the only thing that went to my car within these pass years is the {$1000.00} down payment & nothing else. To clarified this since 2014 I payed {$18000.00} to Santander & only {$1000.00} went towards my car & the rest just went on fees which is unfair that they took {$17000.00} almost {$20000.00} on loan fees to their company which is a rip off. That Amount is not including that Santander told me that I still owe {$13000.00} Towards the car & they sold the car for {$3400.00}. I have reach out to the company so they can sub total the interest rate in writing & the only thing they wanted to sub-total is how much the car was worth & how much I still owe. They did not want to sub-total the loan fee they wanted to just send me a confusing transcript almost like a bank statement so it can be confusing to who ever reads it & they told me to calculate my own, but they can tell me over the phone that they charged me the {$17000.00} on loan fees. I research fraud on this company & I found many of the same complain in different states. One of the many complaints which shows the state of Massachusetts Santander to pay $ XXXX to settle subprime auto-loan case XXXX XXXX   XXXX I just spoke to someone from the attorney general office in the state Fl, which told me this office can help me. 
My contact information is ( XXXX ) or email me at XXXX Thank you for youre time, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 08 XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 
Company Inquiries : XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Delete this account. 

8. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX Account Number : XXXX Delete this account. 

9. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Credit card

I've attempted several times to resolve disputes from over 30 days and I was put on 30 day moratorium and now today the 30 days is over and I still can't call in to speak with a customer service rep. This is insane and horrible. I am due cash back refunds which I want in a check mailed to me and want nothing to do with an unhelpful company. Thank you.
Product: Debt collection

I am writing to bring to your attention concerning actions taken by XXXX XXXX, which I believe to be in violation of consumer protection laws. 

On XX/XX/year>, I submitted a complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding the conduct of XXXX XXXX. Despite my efforts to resolve the matter, I continue to experience distressing interactions with them. 

In my initial complaint, I detailed XXXX XXXX 's failure to provide adequate notice and time for disputing an alleged debt before reporting it to my credit profile. I requested specific documentation to validate the debt, including evidence of delivery of their notice to me, a purchase agreement between the original creditor and the collection agency, proof of their licensing and authorization to collect the debt, an agreement bearing my signature, and clarification on the assignment of the debt. 

Regrettably, XXXX XXXX has not provided the requested documentation and instead persistently contacts me via email, demanding payment for an unverified and unvalidated alleged debt. This continued harassment, coupled with their reporting of the debt to credit agencies, has caused significant distress and harm to my financial well-being. 

Furthermore, I am deeply concerned about XXXX XXXX 's use of email as a means of communication for debt collection purposes. This method lacks the privacy and security afforded by more traditional forms of communication and may be construed as a violation of consumer rights under the Fair Debt Collection Practices Act. 

I want to stress that I am not liable for this debt and have not entered into any contractual agreement with XXXX XXXX. Their failure to provide the requested documentation only serves to compound my concerns and exacerbate the situation.
Product: Consumer Loan

My complaint is with EQUIFAX. EQUIFAX has no online complaint service that I can find. I have tried too many times to count in the last couple of years to dispute mistakes on my EQUIFAX file with no success. Their online service either asks security related questions that are not related to my credit, or if I get passed that point it will time out before I can complete the process, suddenly becomes unavailable, or malfunctions for a multitude of other reasons with the same result, a lot of time spent with absolutely no results. meanwhile the list of mistakes on my file with them grows. When I apply for credit and the organization uses EQUIFAX, I do not receive favorable results due to the mistakes viewed in my report by the organization, and these mistakes also lower my credit score, something all creditors use exclusively in their decision to grant credit. Creditors may say they look at the entire report to determine ones credit worthiness, but in my experience, not once has any creditor looked at anything beyond the score. I had a foreclosure after enjoying 30 years of excellent credit, getting mortgages on a signature. my credit score went into XXXX and while the foreclosure showed on my credit file I could not get any credit at all. once it was off, the score remained in the same place, I 've now had four years of fighting to get credit with very small limits, but have been excellent at paying everything on time, but still my score stay the same. I have to believe that no matter what I do I will not ever see a credit score of more than XXXX. But I still try by attempting to have the mistakes which over time seem to collect on ones report, removed. I ca n't tell you how many hours I 've spent on this. Please make this company clean up the bugs to it 's system. It 's hard enough in my XXXX 's now to deal with life in the capacity of borrowing at high advantage taking rates by predatory lenders when in my XXXX 's I enjoyed the lowest rates the market offered. When I make the attempt to I should not have to have insult heaped onto injury dealing with an online service that does not work. EQUIFAX has offered this service only to look as though they are making every effort to be transparent allowing individuals to access their credit file, but in truth they 've set it up a facade, an irresponsibly wasting the time of those already set back because of their credit circumstances. They are no better than the criminals who steal from us. Thank you in advance for putting them on notice.
Product: Payday loan, title loan, or personal loan

I have open credit builder account with self financial on XXXX XXXX mine payment was on time. 
But credit builder account with self financial was failure to report to all 3 of mine credit bureaus.

I was call in self financial, telling customer service about mine account was not report to all 3 credit bureaus. They said will fix it for me but never happen. 45 day later i was send them the email, self financial respond the email to me said they will fix it for me, but never happen again. 
thank you
Product: Checking or savings account

XX/XX/2018 Wells Fargo is doing another scam. My account was breached. I filed a complaint with Wells Fargo Claims Assistant Center XXXX about one merchant :  XXXX connected to a XXXX entity that did not fulfill my order and was adding recurring payments to my banking account via XXXX or other third party merchants. What the claims center did was file unauthorized complaints with 32 merchants I do business with via XXXX charged to my bank account. None of whom I complained about as all of those charges in my checking account via XXXX were legal. I asked Well Fargo to with draw each of the Complaints about Merchants on XXXX. That Happened. But what Wells Fargo did was charge each of these merchants a {$25.00} fee for investigation or filing fee showing a profit of above {$800.00} to the Claims dept and the Wells Fargo XXXX  XXXX who filed claims against these wholly innocent merchants ... who now do NOT want to do business with me. I did NOT authorize the 32 complaints. Further, Wells Fargo insists upon investigating every charge on my account for 60 days before the XX/XX/XXXX- XX/XX/2018 event I disputed and merchant I did complain about and 60 days after the event. I did not authorize the Claims Dept to investigate or dispute all activity and all merchants in my checking account via XXXX for which Well Fargo charges the merchant a {$25.00} fee. The merchants I do business with are angry about the {$25.00} fee which Wells Fargo says they can not reimburse the merchants. Also, XXXX has refused me access to my XXXX Account which is how I pay my merchants. 

I am out of business until XXXX takes the STOP off of my account. I asked Wells Fargo to withdraw all complaints to XXXX and reimburse my merchants the $ XXXX XXXX withdrew from their accounts. Wells Fargo says this will take 30 days. NOT good. 

Here 's what I did : I told the banker XXXX XXXX/XXXX I would not leave the bank in XXXX, Texas until my merchants were reimbursed the {$25.00} fee, plus the $ XXXX XXXX pulled from merchant accounts. XXXX XXXX. Wells Fargo Supervisor, Claim number XXXX made {$690.00} available to me to personally reimburse my merchants. 

Wells Fargo must stop charging merchants a fee to dispute a claim. Wells Fargo went beyond my original dispute to make disputes against all merchants I do business with in order to collect a {$25.00} fee~which will add thousands of dollars in profit to their claims dept while instituting disputes by expanding upon the original consumer dispute. Furthermore, the Claims Center would not tell me or my banker, XXXX XXXX, the name of the XXXX  XXXX who initiated all 32 complaints against my innocent merchants. When I filed the original complaint, I told the guy to keep me in the loop. He did not via phone or email. Also, I am XXXX and XXXX years old. 

This is another scam by Wells Fargo. Well Fargo does not charge their banking client- me, a fee for investigating a disputed charge, but instead expands on the original dispute to collect fess from innocent merchants.
Product: Money transfer, virtual currency, or money service

As of XX/XX/XXXX, PNC still advertises connectivity with XXXX yet trying to connect my XXXX account to my PNC account gives me a message that PNC has changed their settings and no longer allow for connectivity.
Product: Credit reporting or other personal consumer reports

I am writing to address significant discrepancies and inaccuracies related to the reporting of my loan information to all three credit bureaus : XXXX, XXXX, and XXXX. Despite having initiated 3 disputes regarding these issues, it appears that MOHELA has continued to provide inconsistent and incorrect information to each bureau. These inconsistencies significantly misrepresent my financial responsibility and have the potential to adversely affect my credit score. 

The issues at hand include several key areas of concern. First, MOHELA has reported varying information to each credit bureau, which not only undermines the integrity of my credit report but also reflects negatively on my overall financial standing. Additionally, the terms of my loans under the Public Service Loan Forgiveness ( PSLF ) program have not been reported accurately ; specifically, my qualifying payments do not appear to have been counted correctly. I have also noticed discrepancies in the payment history reported to my XXXX credit report compared to the XXXX report, calling into question the accuracy of the information being provided. To complicate matters further, each of my credit accounts shows different payment dates, creating confusion and undermining the validity of your reporting. 

These inaccuracies in reporting are in direct violation of the Fair Credit Reporting Act ( FCRA ), particularly Sections 602, 605, and 611. Section 602 establishes the duty of furnishers to provide accurate information, while Section 605 relates to the reporting of inaccurate data and the requirement to correct such errors upon notice. Section 611 mandates that furnishers investigate any disputes brought to their attention and report their findings back to consumers. Additionally, pertinent case law, such as XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX  emphasizes the obligation of lenders and furnishers to ensure that accurate information is reported ; failure to do so can lead to liability under the FCRA. Furthermore, in XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the court underscored that informations furnishers like MOHELA are required to have procedures in place to ensure accuracy and adherence to the statute. Mohela does not have procedures in place to ensure accuracy since all of my credit bureaus have different information and knows that I am PSFL and put it as 130 months terms which goes against the requirements of the PSFL program. 

Given these significant discrepancies and your responsibility to ensure accurate reporting, I urge MOHELA to conduct a thorough review of my account records. I insist that the account be removed from all three of my credit reports due to the inaccuracies present. My next step will bring litigation for intentional negligence and failure to address 3 previous disputes.
Product: Mortgage

CitiMortgage, Inc. has a credit-line/mortgage of around {$500000.00} on my home at XXXX XXXX in XXXX, NJ XXXX. Loan number XXXX # XXXX. 
I also have a {$400000.00} second credit-line/mortgage with XXXX. 
Since the financial disaster, values of houses had decline rapidly and have not returned to their value. 
My house is valued to date at around {$700000.00} - thus it is considered " under Water ''. 

I have been disabled a few years ago and my income has been greatly diminished. I currently get Social Security Disability income and some private disability insurance ( Expiring in 9 months upon my becoming XXXX. ) My wife, a psychologist, who was a principal of a school, lost her job recently as well. 

We are safe financially but are not able to pay the full rate of payment for both mortgages. Accordingly, since we are struggling, I applied for loan modification with Both ; Citimortgage and XXXX. XXXX approved me for a loan modification immediately, upon my first application, over two years ago. 
Citibank, on the other side, had been slow to respond and amidst a bad faith process, had denied me four times so far. 
I reported on their practices, but it is only this time, on my fifth application for loan modification, after replacing XXXX loan coordinators, did it come to my attention that I have been badly classified all together. 

In my conversation with my new loan officer, XXXX XXXX XXXXXXXX, told me that Citi is listed as SECOND lien on my house Loan. 
Accordingly, the XXXX ration, which was the basis for my denial, at 55 %, should not have applied and I should have been approved, since my XXXX has been far above the 31 % that FIrst lien mortgage applicants need to have their loan modification approved. 
In addition to many other wrong doings, such as requesting documents that do not relate to me, keep being requested, even after I told and wrote, numerous parties that they are NOT the one reporting on my taxes or that have any reference to me, they still pursue it. 
When I called supervisors and they told me that they would discuss it with the underwriters, my case was closed. 
At present, I demand that CItimortgage rectify its records, confirm my loan as first lien and approve my many a [ pplications that qualified, without starting yet another course of documents demands. 
I have been submitting everything requested, and every time they change a loan officer, new underwriters ask everything the same updatged. 
6 months later -I am at the same stage, without progress. 
Citimortgage 's records and methods of communication aside - my case is not straight forward and I request it being corrected without losing more time or new applications. 
Thank you XXXX XXXX and XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On  XXXX / XXXX /  XXXX   at  XXXX   XXXX  our organization 's treasurer,  XXXX   XXXX   XXXX   XXXX  XXXX  XXXX  ), received an email pretending to be from me, our organization 's top officer,  XXXX   XXXX   XXXX   XXXX  XXXX  XXXX   XXXX  with this message : " Hi  XXXX . Are you available to make a payment to a vendor today? Let me know the available balance in our account then i [ sic ] can get [ sic ] further instruction  [ sic ]  on the transfer. Thank you,  XXXX   XXXX   Sent  from my  iPhone '' They have my name correctly spelled and they have my correct email address. However, I do not have an iPhone  and I never sent that message. I checked my  XXXX  account and did not find any such emails sent from my account I have since changed my settings.Meanwhile,  XXXX  did not immediately call me to verify after she received the  XXXX   XXXX  email, but she replied to that email on  XXXX / XXXX /  XXXX   at  XXXX    XXXX   as follows : " I am not sure what you are referring to as a transfer we have money in the account please send me the info  XXXX  '' Then fake  XXXX   XXXX  replied on  XXXX / XXXX /  XXXX   at  XXXX   XXXX  with these details : " Transfer {$6700.00} to the Vendors  [ sic ] banking information  below. Notify me once the transfer has been made and email me with a copy of the wire receipt in your next email. Account name :  XXXX   XXXX   XXXX  Bank name :  Wellsfargo [ sic   ] Bank Routine [ sic ] number :  XXXX  account [ sic ]  number :  XXXX  Bank Address :  XXXX   XXXX   XXXX   XXXX ,  XXXX , VA  XXXX . Thank you,  XXXX   XXXX   Sent from my iPhone '' Thankfully ,  XXXX  did not respond.  XXXX  finally called me about the emails at  XXXX    XXXX   on  XXXX / XXXX /  XXXX  , and I was able to confirm I did not send them and have not seen them. We are concerned the scammers knew our names, their correct spellings, our correct emails and the fact that  XXXX , as the Treasurer, would be the person with the bank account information and that I, as the head of the organization, would communicate with her via email.
Product: Credit card

I'm being charged a maintance fee and credit protection fee that I did not sign up for. If my payment is {$25.00} they are taking most of my payment and applying them to fees I only have about XXXX dollars applied towards my interest my balance keeps going up with out me hardly using my credit line.
Product: Mortgage

J P Morgan Chase foreclosed on my mortgage and made XXXX when it was sold and they did not give me XXXX penny. 
The address is XXXX XXXX XXXX. XXXX, CT. XXXX They ran there own bank. I sent them XXXX XXXX 3 months payment and they returned it in a refund and foreclosed. The payment was sent 46 days late so I sent them the back payment the second payment on the XX/XX/XXXX and the next months payment a month ahead.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX  XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX : {$530.00} XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX ) XXXX Balance : {$330.00} XXXX XXXX Inquiry : XX/XX/2022 XXXX XXXX XXXX Inquiry : XX/XX/2022 XXXX XXXX, XXXX XXXX Inquiry : XX/XX/2022According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 UC CODE 1681B : Permissible purposes of consumer reports Hard inqiries have no permissible purpose to be on my credit report. They are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX