23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I unfortunately had to file for Chapter XXXX protection XX/XX/XXXX. I happily met all my financial obligations and my Bankruptcy was discharged XXXX. I called my lender ( Seterus ) XX/XX/XXXX and provided all requested paperwork. Seterus informed me their " cure '' period to release my account from BK was 90-120 days. It has now been 196 days and my account still shows that it 's in " BK '' because they had a software upgrade and they are months behind. My house in under contract to be sold. Seterus will not provide a payoff statement because according to them ... .I 'm still in BK. I have informed them that my house is scheduled to close next week and all they can tell me is that it will be another 60 days before they can provide a payoff and let my house close. I will now be in breach of contract and I 'm being held hostage by Seterus. Why am I paying for their " system upgrade ''? How is this fair?? I called back XX/XX/XXXX and told them I would be selling my house and I 'd like to make sure everything shows " OK '' in their system. I was told, " your bankruptcy was finalized and you will be fine ''. Please tell me my rights as a consumer. Can Seterus hold me hostage like this??
Product: Debt collection

This third party agency is in violation of my consumer rights by soliciting. This agency has furnished an account for me by fraudulently. As there is no binding contract or agreement this in fact is identity theft. Pursuit 15 U.S. Code 1681a ( q ) ( 3 ) Identity theft .The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation.
Product: Credit card

I have a Care Credit account with Synchrony Bank and they have not applied all of my payments to my account. I started reaching out to them back in XXXX and they opened up an investigation. They placed a temporary credit of {$3000.00} on my account at the time. After completing their investigation, they informed me over the phone several times ( when I called ) that the result of the investigation was in my favor and {$3000.00} would be applied for my missing payments. They then reversed the temporary credit and stated that the permanent credit/payment would be applied within 1 to 2 billing cycles. To date, the credit still has not been applied. I feel like Im at a loss at this point.
Product: Mortgage

I purchased a house in XXXX in New Mexico, through XXXX. The first loan was for $ XXXX, a secondary loan for $ XXXX. The XXXX loans were then sold to XXXX, then sold to XXXX XXXX XXXX, then to Green Tree Servicing LLC -- XXXX institutions in 4 years. By XXXX, when the mortgage payments kept going up, we lived on our credit cards and loans from family members in order to keep afloat. My XXXX children and I could no longer continue like this. I contacted XXXX XXXX XXXX and Green Tree to notify them we would n't be able to continue making payments. I then contacted Realtors attempting to place the house with them to cover the mortgage. I was told the large house would n't move for months. My children and I moved to more affordable housing out of state. We left the house in pristine condition : cleaned throughout, new paint in the guest house, septic system cleaned, termite inspection conducted, another refrigerator in the garage, and turned the house keys over to a neighbor so the house could be inspected -- in other words, all done in good faith. I tried working with Green Tree Servicing to have them handle the sale of the house, but was told by XXXX of their departments that I was 'an absentee landlord ' who only wanted to capitalize on this empty house and profit from being an absentee landlord. With a Realtor in NM, I tried short-selling the house so it would n't go into foreclosure/sheriff 's sale, had several potential buyers, but Green Tree refused to consider the offers. After that, a sheriff 's sale was speedily arranged, and took place in XXXX XXXX with Green Tree Servicing selling the property to itself for $ XXXX. I was hounded by Green Tree for the whole loan itself, when I had been paying $ XXXX on the $ XXXX, and $ XXXX on the $ XXXX for 49 months. Strangely enough, little of those mortgage monies were ever credited to the loans. The $ XXXX was charged off and I was sent a form showing that I 'earned ' close to $ XXXX. My math indicates $ XXXX. Now Green Tree Servicing has sold the ' $ XXXX ' ( should be $ XXXX ) to another financial company : Ditech Financial LLC XXXX which is notifying me that I owe {$48000.00}. XXXX for these financial institutions. My family and I are still scrambling to recover from this financial disaster. The banks/financial organizations are still selling this paper to XXXX another and making money on it.
Product: Credit reporting or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1500.00}, {$300.00}, {$1100.00}, {$160.00}, {$550.00}, {$900.00}, {$1100.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 


-- COLLECTION ACCOUNTS -- 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 

4. XXXX XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$160.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$550.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$900.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account.
Product: Credit card or prepaid card

Due to the corona virus and financial difficulties with making all monthly payments citi cards had been helping to put payments on hold and helping waivng late fee and citi said you can try to make minimum payments and late fees will be removed during the ongoing pandemic online I was not able to ask for help but when speaking with citi over the phone they did not want to waive the {$28.00} dollar late fee how can these credit companies not work with customers during these difficult time??? That is not our fault? Credit card companies need to do what the government asked them to do help consumers during these difficult times.
Product: Credit reporting or other personal consumer reports

I asked Experian to report 1 address and 1 name and 1 phone number and 1 birthday 5 times, 5 times Ive asked for this and they update things incorrect to still keep old info linked to debts which shouldnt appear in the first place in order to keep my credit score low this is corruption, fraud, misinformation, deception, FCRA VIOLATIONS and 100 some days now, this is causing me serious harm. 

Serious Harm : means harm, whether physical or non-physical, economic, or reputational, to an individual, which would compel reasonable individual of the same background and in the same circumstances to perform or continue to perform labor or services or XXXX activity to avoid incurring the harm :
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit reporting is not accurately updating my credit report. I have contacted them and explained to them that both XXXX and XXXX XXXX are reporting all accounts accurately. I brought to their attention that a XXXX XXXX account that was paid off in XXXX of 2021 is not being reported as Paid in Full and closed. Their response to me, was that have still not received that information from the creditor. I contacted the creditor and they verified that, that information was indeed sent to all three credit bureaus at the same time. Why would the other two bureaus have that information updated and not Experian? The same situation goes for a XXXX XXXX Bank credit balance that has not been reported accurately for the past two months since XXXX of 2021 and for a XXXX XXXX Bank credit card that has not reported an account balance or payment history since XXXX of 2021. I contacted all creditors mentioned and they have all confirmed that the information has been uploaded accurately to all three bureaus. I asked Experian to again please explain why the other Two bureaus are reporting accurate information and they are not. The only answer that they could provide me with is that they only report information received from the creditors. Your help in this matter would be greatly appreciated since I have been a member of Experian 's services for over 4 years now and am being charged {$19.00} a month for inaccurate information. 

Best Regards, XXXX XXXX XXXX
Product: Mortgage

New Complaint : We are responding to Wells Fargo Mortage letter dated XX/XX/XXXX with the Loan Modification Denial Appeal Form mark with bold numbers ( XXXX ) at the bottom of the page received on XX/XX/XXXX. 
For the record, the letters dated XX/XX/XXXX, authored by XXXX XXXX does not address this long standing issue with Wells Fagro Mortage of not providing us a denial letters in a timely manor from a number of Loan Modification Applications submitted. 
Additionally the copy of the XX/XX/XXXX letter in your XX/XX/XXXX mailing does not show or indicate which employee at Wells Fargo Mortage dispatch that letter to us. More troubling, the XXXX XXXX letter showed it was authored by XXXX XXXX. However our records show a letter ( see attached ) dispatched to XXXX XXXX on XX/XX/XXXX was still inquiring about our request for an Appeal after receiving a phone call from an undified person from Wells Fargo Mortage advising us our Home Affordable Modification Program ( HAMP ) application had been denied. More importanly the attched XX/XX/XXXX to XXXX XXXX followed by an XX/XX/XXXX letter to XXXX XXXX, the same deceptive employee who ignored all our telephone calls and correspondance, which you asking to contact, futher validate our continue furstration and distrust of Wells Fargo Mortage. 
While we are addressing the most recent deceptive behavior by Wells Fargo Mortage employees of creating denial letters for the Banks in-house records and intentionally not mailing it to us, our records show going back to XX/XX/XXXX, XX/XX/XXXX, the same fradulent activity existed. 
On a very important note, while Wells Fargo Mortage and its employees continues to mislead the State of California office of the Attorney General, and Consumer Financial Protecting Bureau ( CFPB ) with same in-house fraudlent letters created for the sole purpose of circumventing California Home Owners Bill of Rights. We as victims of such fraud will challenge legally any foreclosure sale initiated by Wells Fargo Mortgage against the property pursuant to California 's Homeowner Bill of Rights see ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX. XX/XX/XXXX ). 

Considering the forgoing, we are requesting without further delay for Wells Fargo Mortgage to demonstrate good faith by resolving this long on-going issue which first originated in XX/XX/XXXX, when Loan Modification underwriter XXXX XXXX perpetrated a Bait and Switch Loan Modification on us.Additionally Wells Fargo Mortgage is violation of CFPB Dual Tracking as stated in the attached XX/XX/XXXX letter advising our home was in active foreclosure while numerous pending Loan Modification Issue have not been resolved.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction with the ongoing issue of late closed and charged off accounts remaining on my record despite numerous attempts to have them removed. Despite providing ample evidence and following all necessary procedures outlined by your company for dispute resolution, there has been a consistent failure to address this issue effectively. 

I demand immediate action to rectify this situation. It is imperative that all late closed and charged off accounts be promptly removed from my record, as they do not accurately reflect my financial history. Furthermore, I expect your company to implement robust measures to prevent similar errors from occurring in the future. This ongoing ordeal has caused me undue stress, financial hardship, and frustration. I urge you to prioritize this matter and provide me with a clear timeline for the resolution of this issue. With this, I am asking for your assistance to remove these accounts in my credit file : XXXX XXXX XXXX Balance : {$0.00} I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 

XXXX XXXX XXXX : {$810.00} This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy. 

XXXX XXXX XXXX XXXX : {$0.00} The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Product: Credit card or prepaid card

I OPENED A PNC ACCOUNT THEN PNC BLOCKED MY THAT CREDIT CARD ON XX/XX/2017 I WENT TO THE XXXX XXXX BRANCH AND SPOKE TO XXXX AND SUBMITTED THE XXXX FORM FOR THE IRS AND MY ID THEN THE NEXT DAY I CALLED THE CUSTOMER SERVICE NUMBER TO DISPUTE THE CHARGES SINCE WE NEVER USED THIS ACCOUNT AND I SPOKE TO XXXX XXXX WHO REFUSED UNDER THE FCBA TPO DISPUTE ALL THE CHARGES SINCE WE NEVER USED THIS ACCOUNT SHE REFUSED SAYING NOT TILL THEY GET THE CORRECT DOCUMENT I SENT THE XXXX AND THEY REFUSED TO ACCEPT IT SO I DONT KNOW WHAT ELSE TO DO SINCE THERE REFUSING TO EVEN TAKE MY DISPUTE FOR THE FRAUD CHARGES ENCLOSED IS THE IRS FORM THAT I SENT AND THIS IS CORRECT DIRECT FROM THE IRS BUT THIS SHOULD HAVE NOTHING TO DO WITH ME FILING A DISPUTE AND THEY REFUSING TO FILE ONE
Product: Credit card or prepaid card

For years I had a Capital One credit card mileage account on which I always paid the balance due in full every billing cycle throughout the years I had the account.  <P/> Subsequently, as I always did, I sent a month 's full payment on the full balance due.  Capital One  subsequently charged me a late fee and an interest charge.  <P/> I contacted their customer service, and was told that my account would be credited the late fee and the interest charge.  <P/> The late fee was subsequently credited to my account, but despite multiple assurances from Capital One 's customer service representatives to me that the interest charges would be credited to me in a future billing cycle, the interest charges continued to show up on my statements, while also generating further interest charges.  <P/> Throughout this time I continued to timely pay my balance due in full each and every billing cycle, and as instructed by  Capital One 's cu stomer service I did not pay the interest charges that continued to show up on my account.  <P/> After months of being told b y Capital One 's custom er service that the interest charges would be credited to me and resolved in a future billing cycle,  Capital One 's same  customer service then said they could not now credit me the original one day interest charge, or the subsequent interest charges that had accrued on that one day interest charge in the intervening months.  <P/> During that same call to  Capital One ' s  XXXX   XXXX   XXXX  customer service I was told that unless I agreed during that call to pay the entire amount of interest charges, my account would be canceled on the spot during that same call.  <P/> Despite the fact that at that time I had earned nearly  XXXX   XXXX  frequent flyer miles on my account, I flatly refused to comply with the threat made by  Capital One 's supervisor  during the afore-referenced call, and she summarily canceled my account.  <P/> Her rash action was in complete contradiction to what Capital Ones customer service representatives had previously represented to me and which I had depended upon.  <P/> Her rash action unjustifiably and unlawfully deprived me of my accumulated frequent flyer miles.  <P/> For further details, please see my  XXXX   XXXX ,  2011 corre spondence sent to  XXXX   XXXX  of  Capital One,  which is enclosed with this complaint as a document attachment.
Product: Credit card or prepaid card

Today I have contacted y'all to see if y'all have got my disputes to claim letter I upload online on the secure document center on XX/XX/XXXX. Y'all agents told me y'all never got it, and I would need to make a new dispute. I have told them I had to upload it on my online account on XX/XX/XXXX, and I need to dispute XX/XX/XXXX XXXX XXXX XXXX TN the XXXX Purchase On card ending in XXXX - {$69.00} and dispute XX/XX/XXXX XXXX XXXX XXXX TN XXXX XXXX Purchase On card ending in XXXX - {$110.00} For cancellation services Both payments were made in card ending in XXXX, but XXXX got replaced with the card number XXXX.
Product: Credit reporting

Experian has fail to delete wrong information on my report even though on the report results saids that all wrong information has been deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. Experian must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Debt collection

I called the company offered them {$300.00} which they denied to accept I than told them to verify the debt I want the original contract between both parties. All I received was an invoice which could be fraudulent someone using my name. I been informed the original company wrote it off which I assume took a tax break from it but now also want to collect for even more money!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and noticed so many hard inquiries that I dont recognize nor did I authorize.The inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX. Equifax, XXXX and XXXX are obligated by the FCRA to report accurate accounting. Consumer has advised ALL the inquiries ewported was fraud. Said companies had 4 days according to Law to remove such items. FTC fraud reports was filed on behalf of consumer, and consumer is now requesting Equifax, XXXX and XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer. XXXX, Equifax and XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet-ink signature. Consumer is not requestint a report from the e-oscar system, If XXXX, Equifax and XXXX does not have documentation to show that these where in FACT authorized then they must be removed asap. Said companies is liable under the SEC to follow certain rules as they pertain to the rights of consumer. Equifax commission file number. XXXX .XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX . I will also be filing form 211 treasury omb forms to audit consumers account. Equifax is securitizing consumers data yet refuse to provide consumer a copy of thier consumer file NOT CONSUMER REPORT
Product: Credit card or prepaid card

My paypal card was absorbed by XXXX XXXX. The card number was stolen somehow. My account is secure but the number was stolen from within paypal. I called within a couple of hours but the number printed on the card does not work. I was unable to report the card as hacked. I called paypal and their phones do not work either. Just a recording that says no one is available to help. I tried to send a secure message but replies for the fraud complaint are being answered by offshore group in XXXX that do not understand any complicated issues explain in english writing. They have no USA staff to support us at either XXXX XXXX or at paypal. I finally managed to get logged online and was able to report the card lost or stolen to get it frozen as the only option. Then I sent paypal the secure message that there are pending fraud charges and they refused to assist the merchants that reached out for help and they refused to help me. They forced through the fraud charges after they were notified about them. They allowed items to be purchased using an address that was NEVER on my account and they won't help me. They pushed through all the fraud charges days after they were notified about the fraud, and they wiped out my paypal account, my cashback rewards, and paypal took the money out of my personal bank account to cover the fraud charges on my credit/debit card.
Product: Credit reporting or other personal consumer reports

I have sent in two prior written request for a validation of debt request for and the company failed to investigate and provide documentation I requested.

Experian wrongfully put a debt on my credit report that is not mine and due to identity theft. These accounts are not mine. I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 15 USC 1681 section 602 A. 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 a account without my written instructions. These accounts were opened fraudulently : Disputed Account : XXXX XXXX Account Number : XXXX Disputed Account : XXXX XXXX Account Number : XXXX Disputed Account : XXXXXXXX XXXX  Account Number : XXXX Disputed Account : XXXX XXXX XXXX Account Number XXXX