23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX To : CFPB On XX/XX/XXXX my father past away due to a XXXX and my mother was the executive of his state. A few months later I was place on the loan for the mortgage and the deed was registered under my name and my mother 's name and also the house with was already XXXX XXXX dollars in late fees. I reach out to Green tree to start the loan modification because of financial hardship. A few months later Green Tree sold the loan to Ditech Financial XXXX ACCT # XXXX. Ditech sent me a packet witch, include a hardship form to fill out and send back to them. I sent all my financial information including my mom 's financial information we had to fill a XXXX form at least 3 to 5 times, I send them the copy of the deed and a copy of the lease agreement twice. Every other month I fax them my paystubs my bank statements Witch seem to lose or misplace every time. They never contacted me I 'm the one always calling everyday trying to get an update and every time I call my loan is always in review and an a few days later they say that my loan was denied because I did n't send them the paper work in a timely manner. They always request the same information throughout the loan modification process. Even if I had already sent them all the paper work they require. I reach out the Ditech on an everyday basis to find out if am missing any paper work do they need any paper work they say no and a day later they say your application is denied because you did n't send the proper paper work, than I have to start the process all over again. Threw the months I reach out to Ditech they say my account is in review and they ask to send paystubs and bank statements witch I always oblige and send the next day. The final straw came On XX/XX/2016 I reach out to Ditech Financial to check the status of my loan they say it 's still in review and they inform me on XX/XX/XXXX my loan will be service by XXXX XXXX XXXX. When I reach out to XXXX XXXX on XXXX XXXX they told me that it will take 15 days for my paper work to be transfer from Ditech Financial. When I call XXXX a few days later they told me that this investor does not do Loan Modifications and I would have to make the past due balance, Pay the loan completely or do a short sale and if not my house will be in foreclosure. One thing I do n't understand is that I told XXXX XXXX from Ditech ( XXXX. XXXX ) that I was getting statements, he told me not to worry about it because the account is on hold. If the account was on hold why is XXXX XXXX XXXX inform me that the account is delinquent and I have to pay XXXX dollars to restore the loan. My soul purpose for going through this hard ache is to stay in my home because this home is the only thing I have to remind me of my father and he work too hard to purchase this home and for it to be lost. At this time I 'm trying to see if I can refinance my house with another company or to see if I can pay the late charges with a loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I mailed letter to XXXX requesting that an account be verified that was reporting to Transunion, XXXX XXXX and XXXX. On XX/XX/XXXX XXXX sent me a letter back stating that the item was unable to be verified and they will be removing it from my records. I immediately called XXXX and verbally requested this information be update with all the credit bureaus they furnished the information too. The agent told me that my records will be updated in 30 days. On XX/XX/XXXX, I sent a letter request that the item be removed from my file because XXXX found it to be unverifiable. I have never received any response from XXXX, TransUnion, XXXX XXXX or XXXX regarding the removal of this item and it has been over 103 days with no response. I am a victim of the XXXX  data breach, and have every intention to take legal action if this is not corrected. This unverifiable information be reported is negatively impacted my credit and I am suffering with the inability to save money by obtaining lower interested rates, which directly effects my household budget. I feel that my requests are be ignored.
Product: Mortgage

Rocket Mortgage is violating the federal CARES ACT for those ill with XXXX. They told me my forbearance ended and that I needed to pay the full amount lump sum. I asked why they weren't honoring the paperwork they sent me, saying I could pay the amount at the end of the loan, as reiterated by the federal CARES ACT. They gave me two options, that I refinance in which they receive {$120000.00} or I pay lump sum. They are violating the FEDERAL CARES ACT. I am sick with long XXXX and am requiring major XXXX due to XXXX caused by XXXX. Violation of the federal law. I want them to be held accountable for violating FEDERAL CARES ACT. I have kept all paperwork showing this violation.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attention Consumer Protection : this is what I Mean by Fraud! 
Here are some more inquires that this EXPERIAN bureau refuses to remove. 
I DEMAND THEY BE REMOVED IMMEDIATELY! 
I WOULD NEVER AND I MEAN NEVER APPLY FOR ANY CREDIT WITH XXXX XXXX XXXX HERES WHY. 
I AUTOMATICALLY WOULD KNOW THAT I WOULD BE TURNED DOWN BECAUSE I AM A XXXX XXXX XXXX. XXXX  XXXX XXXX DOES NOT DO ANY BUSINESS WITH XXXX XXXX  UNLESS YOUR CREDIT SCORE IS 700 OR HIGHER OK THIS IS HOW I KNOW FOR SURE I HAVE NEVER APPLIED FOR ANY CREDIT WITH THIS XXXX COMPANY! EVERYBODY XXXX XXXX  KNOW THIS ABOUT XXXX  XXXX XXXX! PLEASE REMOVE! THISIS THE KIND OF XXXX THAT KEEPS ME FURIOUS WITH YOU PEOPLE WHEN YOU ALLOW THIS KIND OF XXXX TO KEEP HAPPENING TO HARD WORKING INNOCENT PEOPLE WHO ARE TRYING REALLY REALLY REALLY XXXX  HARD TO GET THEIR LIVES STRAIGHTEN OUTNO ONE HAS TIME FOR THESE KINDS OF FRADULENT CONCEPTIONS. THE SAD PART IS ITS  YOUR AGENCYS XXXX  JOB TO PROTECT US CONSUMERS FROM THIS XXXX! DO YOU XXXX  JOBS! 
CREDIT ACCEPTANCE? U HAVE GOT TO BE KIDDING ME? I WOULD NEVER FREQUENT THESE PEOPLE EVER! THESE PEOPLE FINANCE CARS FOR XXXX XXXX  XXXX? NEVER BEEN ON XXXX   XXXX  CAR LOTS PRIOD! PLEASE REMOVE NOW! SEE WHAT I MEAN.!! 
XXXX  XXXX???? 
4 XXXX XXXX TIMES? HOW MANY CAR LOANS DO I NEED? NEVER APPLIED! 
AS YOU CAN SEE, I AM FINANCE THROUGH XXXX  XXXX  XXXX  AND THAT IS THE ONLY FINANCE COMPANY I APPLIED TO AND XXXX XXXX GET THIS XXXX OFF OF MY REPORT. MAKE THEM XXXX XXXX PEOPLE WHO OPERATE THIS SCAM XXXX CREDIT BUREAU GET THIS XXXX OFF OF MY REPORT! THIS WHAT I MEAN BY RUING PEOPLE WITH THESE LYING XXXX   INQUIRIES!! THESE COMPANIES MUST GET PAID TO STEAL YOUR SOCIAL SECURITY NUMBER, MAKE UP A LIST, PLACE THIS XXXX  ON YOUR CREDIT REPORTSIS THIS WHAT FRAUDULENT CREDITORS DO? THEY DO GET PAID FOR LISTING FAKE INFO LYING ON INNOCENT CONSUMERS REPORTS THAT NEVER EVEN CAME TO APPLY FOR CREDIT FROM THEIR BUSINESSES? XXXX!!!?
Product: Checking or savings account

I have a " Money Market Savings Account '' with Bank of America. When I go online to the account info for this specific account, there is a link to " View fee schedule '' which takes me to a PDF outlining the fees. Note, this PDF is listed under the account info for this particular Money Market savings account, not somewhere else generically on the BoA website. When I review the PDF with account fees, it lists a variety of savings and checking account options and their associated fees. None of them has a name that exactly matches up with mine ( Money Market Savings ) but I reviewed all the accounts listed and saw that for all the possible accounts, I should be able to avoid fees if I keep a balance over {$1500.00}. With this information, I made a transfer out of my saving account that kept me above {$1500.00} but then I started to get $ XXXX/month fees! After many phone calls, it turns out that I have a " grandfathered '' in account that was not listed on the PDF ( and this PDF is posted under the account info ) and my account actually has a lower limit of {$2500.00}! But there was no way to know this from the information listed online, and instead the link to " View fee schedule '' provided me with incorrect information which led me to believe that the lower limit was {$1500.00}, not {$2500.00}. After many much arguing with Bank of America, they have refunded my fees. However, this seems like a systematic problem that must be fixed for other customers. The customers must be able to get the correct fee information about their account and especially must not be given incorrect information on their account pages.
Product: Vehicle loan or lease

Hello, I had my XXXX XXXX XXXX repossed by Capital One in XXXX of XXXX and since that date Capital One was required to do all of the following : The lender must provide me written notice of your right of redemption and ( or ) right of reinstatement. It must tell me : - the amount of the outstanding balance of the loan, including all fees and charges- the deadline to redeem the loan- the method by which you can redeem or pay off the loan to get the vehicle back, and if your state allows for the right of reinstatement, the amount necessary to bring the loan current, and the steps you need to take to reinstate that loan. 
- Notice of Sale The lender was also required to send written notice if they intended to sell the vehicle. This notice was also not sent to me.

The notice should have contained the following information : 1. If the car is being sold at a private sale, the date of the intended sale 2. If the lender intends to sell the car at a public auction, it must notify you of the time, date, and location of the auction ( which allows you to bid on the property or bring your own bidders ).

3. An explanation of your liability if you owe a deficiency balance after the sale 4. How I can get an explanation of the proceeds of the sale are applied to your debt obligation 5. How I can get an explanation of how the lender calculated your debt obligation, and contact information to find out more information about the upcoming sale. 
6. Notices After my Car was Sold 7. They must explain how the sale proceeds were applied against my debt in this order : reasonable costs and expenses of repossessing, storing, and disposing of the vehicle, along with reasonable attorneys ' fees ( if the loan agreement allows them ), and the balance of the loan.

Capital One failed to do each one of the requirements outlined above and when I called to inquire about the repossession in attempt to fix the issue Capital One told me verbatim " There was nothing they could do ''. 

Not only did they not allow me the opportunity to resolve the issue they also did not provide me with any of the information stated above.
Product: Credit reporting or other personal consumer reports

This is the XXXX complaint I filed this month.CFPB Complaint number XXXX for XXXX replied saying XXXX XXXX received and reviewed the complaint initiated by XXXX XXXX XXXX XXXX XXXX was unable to locate an account or transaction for XXXX based on the information provided. In order to continue to look into this matter further, XXXX XXXX kindly requests I provide the account number of the account in question. And if I have any further questions regarding their response, XXXX Customer Service Supervisor, XXXX, directly at XXXX. I continue to recieve voicemails and no return call from easypay. In my XXXX previous complaints I stated that I disputed this with the company XXXX many of times and with the XXXX. XXXX 'S response is they " don't have an account number ''. It's listed on my report, ( ALL XXXX CREDIT AGENCIES ) as ACCOUNT NUMBER XXXX with a {$3800.00} BALANCE. I've been reaching out to all XXXX  credit agencies and the collection agency since XX/XX/year> asking for XXXX verification of this debt else removal. I asked them to provide me with the following information : XXXX. The amount of the debt : A detailed breakdown of the amount you claim I owe, including interest, fees, and any other charges. XXXX. Proof that the debt is mine : Documentation showing that I am legally obligated to pay this debt and the original creditors name. XXXX. Evidence that the agency has the right to collect this debt : Please provide proof that you are authorized to collect on behalf of the original creditor or that they have purchased the debt. XXXX. Details of the original transaction : A copy of the original contract or agreement showing my signature, and any supporting documentation to substantiate the claim. I filed a previous claims with XXXX at the FTC. My wallet was stolen in XX/XX/year> and a few years prior as well.
Product: Mortgage

Mortgage company thought the home insurance that they are to pay on our home didnt get paid. So they purchased more insurance when in fact it did get paid. They then raised our mortgage from {$680.00} to {$1000.00} a month. I called and asked why they did this and was told it was due to the taxes being raised on the home. I called the assessor to see how much the taxes went up and they told me {$120.00} A YEAR! I had also before any of this happened filed a complaint through your office in regards to them saying they would not help us through Covid. They said they never said it but they did say it to us. So any how the raise in our monthly payment went up {$400.00} a month for our taxes going up {$120.00} a year. They do nothing but harass us. My Wife and I both had XXXX  and they would still harass us even while sick. On the very month that our mortgage was raised they did not tell us and I made a normal payment of {$680.00} thinking it was paid in full. However, they did not even let us know about the increase in our mortgage til the next month. So they put the {$680.00} in escrow saying we are behind on our mortgage. We pay them every month! I had made arrangements with them that I needed to pay on the XXXX of each month due to how I get paid. They agreed at first but every 2 to 3 months it goes back to the XXXX its due. So once again I have to call on it. This has happened several times. The raise in our mortgage never should of been raised in the first place. I also had told them that right before the Covid hit I had a severe XXXX that put me out of work for a while, u til I could recover. However, the mortgage still got paid every month. So in my case it was a double hit on my health. I was sent to a recovery hospital where I had to learn to walk again. But like I said mortgage was always paid. May of been late some times but paid - Recently they sent us a certified letter saying Notice of pre foreclosure options. Why?! The letter didnt even state why or what it was in regards to. Just a letter of foreclosure options. As if we didnt already have enough to worry about! This company wont stop! Our mortgage never should of been raised over {$400.00} a month for a {$120.00} tax raise that is per year! Please help thank you. XXXX XXXX
Product: Checking or savings account

On XXXX of XX/XX/2019 I have opened checking account in Bank of America ( BOA ) using promotion offer for those who live in Idaho ( I live there ) and few more states ( full details in offer.pdf ). Requirements to Receive the Online Only {$350.00} Checking Account Bonus and ATM Fee Waiver : ( 1 ) Open a new eligible Bank of America personal checking account by XX/XX/2019 ( you must use the Open now link on the offer page at the time of account opening to be enrolled in this offer ) ; AND ( 2 ) set up and receive Qualifying Direct Deposits equaling a total of {$4000.00} or more in your new personal checking account within 90 days of account opening. I had successfully opened the account using code XXXX ( please see the screenshots evidence1.png and evidence2.png as a confirmation - I removed personal information but have original ) On XXXX I have made a call to the support of BOA and it was confirmed that offer is attached to my account. From XX/XX/2019 till XX/XX/2019 I have accumulated {$4500.00} in direct deposits thus qualifying for the sign up bonus. However, even before qualification I received a letter ( dated by XX/XX/2019, ref # XXXX ) from BOA stating that I have been qualified just for {$100.00} without any explanation why my previous offer was changed. I made a call to the support and I was explained that offer XXXX never existed, which is absolutely not true as evidence2.png shows. So BOA gave me different offer of {$100.00} and deposited {$100.00} later to my account. I insisted that the offer XXXX did exist as I had screenshots and saved offer page. Then I was told that I need to wait until all direct deposits will accumulate above {$4000.00}. After getting {$4000.00} in direct deposits I called again and support told me that my case was escalated with ref # XXXX. I was told to call after 30 days, what I did on XXXX, XXXX. During this call I was told that by this ref # there is no escalation of my case. I submitted new escalation to receive remaining {$250.00} with ref # XXXX. 
I am complaining here about unfair " bait and switch '' practice by Bank of America and wasting clients time. I hope for quick resolution of my case and prompt deposit of {$250.00} from Bank of America.
Product: Payday loan, title loan, or personal loan

Several issues have been identified on the data hosted at " XXXX XXXX', which is a domain leased from XXXX. 

XX/XX/22 - emailed XXXX in regards to XXXX errors, page errors, security threats on portal.hello.align.com, found a file in the page sources w names of individuals ( attached to this CFPB claim ) XX/XX/22 - emailed XXXX in following identification of potential security threats hosted on XXXX may follow up : XXXX given address from customer service/3rd party representative XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX car payment was due XX/XX/XXXX. A valid 30 day late would have been XX/XX/XXXX. I legally signed car over to XXXX XXXX XXXX in XXXX XXXX dealership on XX/XX/XXXX. I traded car in for a truck. They informed me they would send payoff asap. I nicely explained to XXXX what occurred and apologized the dealership did not payoff car until XX/XX/XXXX. Then they sent the wrong payoff amount and left a low balance remaining which resulted in a 60 day late. I sent XXXX proof that I was no longer legally liable for vehicle on XX/XX/XXXX prior to it being 30 days past due and kindly asked if they would remove the erroneous 30 and 60 day late. XXXX credit dispute said they would not remove it as I was legally liable for vehicle until payoff was received.
Product: Payday loan, title loan, or personal loan

I have paid this loan they will not release my title saying I owe XXXX $
Product: Credit reporting, credit repair services, or other personal consumer reports

I Did not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2023 I Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry XX/XX/2023 I Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry XX/XX/2023
Product: Credit reporting or other personal consumer reports

In accordance of the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 US Code1681 S-602 states, I have the right to privacy. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. 15 U.S. Code 1666b - Timing of payments. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

On XX/XX/XXXX I overdrafted my bank account and then the bank helped themselves to excessive fees and refused any leniency after being with their bank for nearly 6 years. The frustrating part here is the WAY it all played out. 

I had XXXX in my account and then my loan payment ( through Wells ) went through for {$100.00}, but was denied. After that, 2 unexpected charges were accepted of {$6.00} and XXXX. So then Wells Fargo charged me {$35.00} each for the overdrafts PLUS the {$35.00} for the NSF check fee. Then, on the back end with the loan, charged me an additional two {$35.00} fees for being late and having a returned check. I called into customer service to ask if anything could be done and they refused. They told me that I could " opt out '' of overdraft protection online to prevent future issues. I told them that in my time with them there was maybe one time where I asked for a fee to be reversed as a courtesy, and let them know that I was on extreme financial hardship and they still refused. I asked at the bank in person and got the same answers. 

Then I went online to unenroll and the entire process was incredibly frustrating and confusing, taking almost a half hour to complete. The website kept taking me to the ENROLL page when I would click on the unenroll button. The pages are vague and purposefully confusing to discourage people from actually unenrolling. To get to the unenroll page I had to agree to enroll first before I could then unenroll, all while being pressured with messages telling me how embarrassing it would be to have my card declined while trying to buy groceries or pay for dinner, which was insult to injury. 

And then today, after I unenrolled back at the beginning of XXXX, I have a pending charge that is over my bank account, so I feel like all the troubles I went through were for nothing.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 


XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting

Equifax credit bureau is reporting " XXXX '' twice on my report, the account is the same, different dates only. 
I have notified " XXXX '' and Equifax, no response about my double listing, very frustrating.
Product: Prepaid card

This complaint is not a duplicate. This is a new complaint based on continued issues with newly purchased card. Gift card was purchased on XX/XX/year> and attempts to make purchases were made on XX/XX/year>. Upon use of the card ending in XXXX, transactions were blocked at the merchant and subsequent merchants. It has been determined that there is a systematic scheme in place to purposefully deny use of the cards. I have attempted numerous times to use the card and resolve its issues with Incomm but to no avail. Incomm tells me to use the card at another merchant despite my attempts at different merchants. If a purchase attempt was at a specific merchant, why would one try to use it at another merchant? For example, if I was looking to pay my electric bill with the gift card, why would the solution be to NOT pay the electric bill and pay different merchant? Why am I not allowed to pay my electric company? This same issue is present with previous cards purchased. So instead of more replacement cards, I am respectfully requesting that a check with the purchase fee be sent to my address. 

Attached is copy of the receipt of the gift card purchase and the gift card itself.
Product: Debt collection

An debt collection was applied to my XXXX credit profile that was incorrect. The amount for this account is {$310.00}. Which was applied on XX/XX/year>. This account does not belong to me.
Product: Credit reporting or other personal consumer reports

The company is stalling keeping my credit score down, and causing me high-interest rates, and money. While they keep getting rich off of my low scores to keep their business profitable.