23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I requested a loan modification and a principal reduction several times from Wells Fargo for my property located at XXXX XXXX XXXX XXXX, in XXXX XXXX. At the time of I was being reviewed for HAMP in XXXX 2014 my property was valued at {$67000.00}, the comps in my neighborhood were valued in the range from {$22000.00} to {$55000.00}. Wells Fargo Bank denied my loan modification under HAMP using my monthly gross income of {$2400.00}, Wells Fargo did not reduce the Principal Balance as allowed by HAMP. Wells Fargo did not Provide me with a Net Present Value review, this what have revealed the true value of the home and what method the value was obtained, furthermore, the XXXX would allow me to see what the projected HAMP modification would be the interest rate and the amortization schedule along with the any reduction of the principal balance. My gross income used of {$2400.00} would have been sufficient for a repayment of {$67000.00} at a interest rate of 2 % and amortization of 30 years. Instead Wells Fargo placed the excess principal amount which exceeded the value on the back end of the loan, a maneuver which HAMP would not allow. This action caused my payments to accelerate ever year way beyond the true value of the home and provided for Wells Fargo Bank to gauge me for payments legally, however to their dismay I refused to sign such a one sided agreement. Therefore, my punishment is foreclosure.
Product: Payday loan, title loan, or personal loan

I assumed the personal loan at 13.99 % interest would be amortized like a regular credit card loan. I have fixed 84 payments and i have made 23 payments so far. The initial loan amount was {$35000.00} and the monthly payments are {$660.00}. All 23 payments made so far on time. This totals {$15000.00} in total payments made over 2 years and my balance has only declined by {$6600.00}. More than half of my payment has been going to interest payment, like a mortgage. I feel this is wrong and was not explained
Product: Checking or savings account

I had automated monthly payments for parking rent paid through XXXX. These payments started XX/XX/XXXX and had no issues. 

On XX/XX/XXXX the pament was not accepted. The payment also expired on XX/XX/XXXX. However, on XX/XX/XXXX the payment was accepted. On XX/XX/XXXX I was informed by My payee they did not receive it. 

on XX/XX/XXXX I called chase bank to file a complaint. According to a chase bank representative, the registration of the phone number associated with this account changed. Someone changed the phone number to being registered with a different account so even though the funds were sent to the same place, they were diverted to a different account. I was then transferred to a different representative to file a claim in a process that left me on the phone for 39 minutes without a resolution. 

I was not tricked into sending money to someone I didn't know. This was an automatic monthyl payment, and someone switched the registration of the account associated with the number in order to steal the funds.
Product: Credit reporting or other personal consumer reports

I have not been provided with any documents or information validating that I opened this account. I did not authorize XXXX XXXX to establish this account in my name, and I have not agreed to the charges that are now delinquent. 

According to Section 623 ( b ) of 15 U.S.C. 1681s-2 ( b ), you were supposed to : 1. Report the results of the investigation to the consumer reporting agency.

2. If the investigation finds that the information is incomplete or inaccurate, report those results to all nationwide consumer reporting agencies to which the financial institution previously provided the information. 

I have never received any verification that this debt is accurate and belongs to me. Since I have not been provided with proof or evidence that this debt is mine, the appropriate action must be taken. As a result, if the disputed information is incomplete, inaccurate, or unverifiable, it must promptly be addressed for reporting to the consumer reporting agency by either : a. Modifying the item of information, b. Deleting the item of information, or c. Permanently blocking the reporting of that item of information. 

Please update my credit file immediately.e immediately.
Product: Checking or savings account

My account was flagged for Fraud however, no one from Citi ever reached out to me to let me know that my account is now frozen. 

Approx Week of XX/XX/23- Opened the account online. 

Week of XX/XX/23 - Account was flagged on my phone & online that it had an issue and to call XXXX. I called several times over the week to find out what was going on and could not get an answer. 

XX/XX/23 - Called customer service and finally get some information. They told me that a letter was sent on XX/XX/23 that I would need to open and action once received. 

XX/XX/23 - Received letter from Citi, called XXXX XXXX and gave them the noted reference number from the letter. Customer Service said my account is being closed and will receive the balance on my account in XXXX days via mail. Then I was hung up on and given no additional information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company : XXXX XXXX XXXX A dispute of fraudulent charges in XXXX led to charges being removed from my account and a new card being issued. I was advised that a document ( affidavit ) would be sent to me but it was never received. In XXXX, a bill of over {$500.00} was presented to me when i called and asked why my card was n't working. I asked to see the bill. I checked online and there were no bills available. I contacted customer service and spoke to over 15 representatives including 5 managers. There was no bill mailed to me on over 2 months. They kept trying to force me to pay over {$200.00} to get my bill back in good standing but i needed to see the actual bill ... I finally received a bill in XXXX and after having countless conversations the charges were reversed, ALL late fees were returned and the correct balance was paid. I thought this meant that the late payment would also be removed but i check my credit this weekend and its still there.. I could not pay a bill if i could n't see a bill. If i had just paid the {$200.00} they would have been cheating me out of alot of money. When i finally received a bill there were $ 170+ worth of charges that should n't have been there.
Product: Mortgage

I received an approval from USAA for a Mortgage Loan on XX/XX/2019, in the amount of {$460000.00}. 
I completed all Inspections that were informed to me by USAA that needed to be completed. 

My date to close the loan was XX/XX/2019 ; however, I received a notice from XXXX with ( USAA ) that my closing date was changed to XX/XX/2019. On XX/XX/XXXX around XXXX XXXX, I received a call from my Loan Processor XXXX informing me that the loan could not be approved. I informed XXXX it's two days before closing and I have paid everything she informed me had to be paid. Im packed with people ready to move me what is going on she stated I did not make enough for the loan. I informed XXXX she did not just receive my documents why is she just informing me? Per XXXX shes sorry but thats all she could do. 

I called back and asked for the President 's Office. The Secretary took my information in which I received a call back from Mrs. XXXX. I informed Mrs. XXXX of the problem as well as the amount of money I paid to make sure everything would be completed per USAA. I also informed Mrs. XXXX this is two days before my closing and I have given my notice to move out of my current residence. Mrs. XXXX apologizes and stated theres nothing that can be done. Mrs. XXXX stated XXXX was pretty new to USAA and Mrs. XXXX ( Loan Officer with USAA ) should have informed me. I informed Mrs. XXXX this is 28 days later and it's not my problem USAA did not inform me of my true approval amount. I also informed Mrs. XXXX USAA has me in a pretty bad state. I asked about the money which I had paid in which she informed me I will not receive any of my money back from USAA. I asked Mrs. XXXX to speak to someone higher in which she informed me theres no one else for me to speak with she is the last person. 

Sir/Madam, Im writing this letter requesting help. I do understand every business has policies. But two days before a loan close and Ive been enter acting with USAA almost daily. Also, USAA told me to get things done and now refuse to return any of my money. Because USAA waited two days before closing I also lost my Earnest Money. I did not hold back on any documents that were needed for my loan I provided USAA with everything that was requested. I did not provide USAA with any false information and I completed every task in which I was informed had to be completed. I did not do anything negligent and shouldnt go to the loss of my money due to USAA negligent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America Charged off but I never had a account with Bank of America. This account is due to fraud that someone else put in my name that I have no knowledge of. It was removed off of my report due to the Identity Theft but now this account just recently showed up as a charged on my credit report again. I would like this removed immediately. The amount claimed to be charged off is {$4300.00}. The date that this account is reporting to be open was XX/XX/2016
Product: Debt collection

I received a credit collection for an account that I did not have for an insurance company, XXXX XXXX XXXX acct # XXXX and a bill collection from Credit collection services reference number XXXX.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602a states, " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and Experian are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX  is a financial institution by definition under that title. 15 USC 1681 section 604a section 2 states that, " In general Subject to subsection ( c ), Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX, XXXX, and Experian the financial institution and the Consumer reporting agencies XXXX, XXXX, and Experian do not have my consent to furnish this information, and I never gave my written consent. Any and all consent to XXXX, XXXX, Experian, and XXXX XXXX, whether verbal, non-verbal, written, implied, or otherwise, is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX  never informed me of my right to exercise my nondisclosure option. Also, 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and Experian are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that, " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services without my express permission.
Product: Credit reporting or other personal consumer reports

This account was charged off and it was paid after after the charge off. However, after being charged off I should have been sent a 1099c and this debt should have been completely removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX  keeps posting studendent loan debt that was closed and paid as transferred. The debts that are paid and closed is the same debt they have open with the amount list and saying transfer. This is really affecting my score and Im fussy on social security Ive tried getting apts etc and denied I need them to verify these open or closed student loans that was consolidated yrs ago and paid and updated their re its
Product: Credit reporting or other personal consumer reports

Dear TransUnion Dispute Department, I am writing to formally dispute the following accounts that have been incorrectly reported under my credit file. These accounts do not belong to me, and I am requesting their immediate removal : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts were opened or reported without my authorization. I am requesting a formal investigation and their removal under the Fair Credit Reporting Act ( FCRA ). 

Please provide written confirmation once this matter has been resolved. If further details are required, please reach out to me directly.
Product: Mortgage

1. On XXXX XXXX I filed application to refinance my current 30 year mortgage with Citibank 2. On XX/XX/2020 I received " welcome '' package with schedule of closing costs. 
3. On XX/XX/2020 I was charged {$720.00} ( application, appraisal and several other fees ). 
4. My property was promptly appraised and report rendered in early XX/XX/2020. 
5. I received commitment letter from Citibank on XXXX XXXX ( Attached ) 6. Since that time, on several occasions, I was told that my loan is ready to be closed " in the next few weeks ''. ( attaching emails from Citibank reps ) However, as of today, Citibank failed to close my mortgage and provide any reasonable explanation for such extensive delay. All these months I've been dutifully and promptly responding to Citi 's reps requests to provide my latest pay stub information in order to " keep my file updated ''. It is becoming more difficult to reach bank reps to obtain current status of my mortgage application and receive any reasonable date when my loan could be closed. My phone calls and emails are simply getting ignored. 

I firmly believe Citibank failed to made an appropriate effort to provide me with financial services they charged me more then 8 month ago and, thus, are involved in deceptive practices. They should have been forthcoming they do not have enough resources to process my application and I would look into other lenders.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland [ XXXX ] XX/XX/XXXX Consumer Financial Protection Bureau XXXX CFPB ) XXXX XXXX XXXX XXXX Washington, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX Consumer XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX in Credit Reporting Account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Dear CFPB Representative XXXX XXXX XXXX writing to formally lodge a complaint regarding significant discrepancies in the reporting of an account associated with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX These inaccuracies appear on my credit reports from XXXX, Experian, and XXXX and represent violations of federal consumer protection laws, specifically 15 U.S.C. 1681 ( Fair Credit Reporting Act - FCRA ), which governs the accuracy of information on consumer credit reports. 

Below are the details of the discrepancies and issues : XXXX. Creditor Name Discrepancy : On my XXXX report, the account is listed under XXXX XXXX XXXX XXXX XXXX. 
On my Experian report and XXXX report, the same account is listed as XXXX XXXX XXXX XXXX. 
This inconsistency creates confusion and raises questions about the accuracy and legitimacy of the information being reported. 
XXXX. Alleged Balance Discrepancy : On my XXXX report, the balance is reported as {$7200.00}. 
On my Experian report, the balance is reported as {$7600.00}. 
On my XXXX report, the balance is {$7600.00}. 
These differing balances indicate reporting errors and are misleading. 

XXXX. Last Payment Date Discrepancy : On my XXXX and XXXX reports, the last payment date is listed as XX/XX/XXXX. 
On my Experian report, the last payment date is listed as XX/XX/XXXX. 
These discrepancies further demonstrate the failure of the reporting entities to maintain consistent and accurate records. 

Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. The conflicting information detailed above is a clear violation of this requirement. Additionally, the continued reporting of inaccurate information is a violation of 15 U.S.C. 1681i, which mandates prompt investigation and correction of disputed information. 

XXXX Requested I request the following actions be taken immediately : XXXX. XXXX removal of the inaccurate account from my credit reports with XXXX, Experian, and XXXX. 
XXXX. A thorough investigation into these discrepancies to determine their cause and prevent future errors. 
XXXX. Written confirmation that the inaccurate information has been removed and corrected. 

I have attached copies of the relevant sections of my credit reports highlighting the discrepancies for your reference. I expect this matter to be resolved promptly in accordance with the Fair Credit Reporting Act. 

If further information is required, I can be reached at the address provided above. 

Sincerely, XXXX XXXX : XXXX XXXX XXXX Attachments XXXX I have attached a copy from each Credit Bureau that validates XXXX XXXX.
Product: Credit card or prepaid card

US Bank put a hold on my account ending in XXXX, I called 3 times and wasted a lot of time waiting on hold and verifying a ton of information with front line customer service only for them to tell me they cant do anything about it and to wait for a call from the bank, I waited and nothing happened. What kind of bank puts a hold on a customer 's account and not take care of it instantly when the customer calls. US Bank is literally preventing people from using their available credit to make purchases that could potentially save their life ( like medicine and food ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple creditors are charging me for accounts that I have no knowledge of some the information is incorrect and I would like it removed.
Product: Mortgage

In 2013 I was offered a loan modification. As part of the modification I was charged {$22000.00} in interest. Although I accepted the loan modification, Chase has not been able to explain to me why I was charged this amount of interest and why it was added to my loan balance. I have attached a copy of the loan modification showing the {$22000.00} in interest.
Product: Checking or savings account

I deposited a check for XXXX at a Capitol One atm on XXXX that I received from my apartment building for my security deposit. After I deposited this check I got an email from Capitol One that my check would be delayed until XXXX. I called Capitol One twice on XXXX and was told that the only way to get this check before XXXX and even then is not guaranteed would be to submit an Authorization of Endorsement letter that is notarized and signed by both my apartment building and myself. They first told me that this was because my account is at risk of withdrawal, then they said its because they dont know that the bank that issued the check ( XXXX XXXX ) has the funds, then they said is was because I had never deposited a check from this company, and then on my second call they said it was because this check has another party written on it and so it has to be delayed. The bank couldnt give me a straight answer as to why this check would be delayed for two whole months, something that has never happened to me before.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$340.00} ), XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX, Balance : {$100.00} ), XXXX  XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$480.00} ), XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$9100.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of certain addresses and phone numbers from my credit report, as provided under the Fair Credit Reporting Act ( FCRA ) and specifically referenced in 15 U.S.C 1681c. 
I contacted Equifax, XXXX, and XXXX and has had no help with the removal of the following items that I have identified. Several addresses and phone numbers which are either outdated or no longer relevant to my current circumstances. The presence of these outdated addresses and phone numbers may potentially impact my privacy and confidentiality as protected under the FCRA. 

The following outdated addresses and phone numbers should be removed from my credit report : Addresses : XXXX. XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ( Date Reported : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ( Date Reported : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ( Date Reported : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX, XXXX XXXX, NJ XXXX ( Date Reported : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX, XXXX, NJ XXXX ( Date Reported : XX/XX/XXXX and XX/XX/XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ( Date Reported : Current Address ) XXXX. XXXX XXXX XXXX, XXXX, NJ XXXX ( Date Reported : XX/XX/XXXX ) Phone Numbers : XXXX. ( XXXX ) XXXX XXXX. ( XXXX ) XXXX XXXX. ( XXXX ) XXXX XXXX. ( XXXX ) XXXX XXXX. ( XXXX ) XXXX XXXX. ( XXXX ) XXXX XXXX. ( XXXX ) XXXX XXXX. ( XXXX ) XXXX XXXX. ( XXXX ) XXXX I believe that the presence of these obsolete addresses and phone numbers does not serve any legitimate purpose and XXXX lead to potential confusion or unauthorized use. 

I kindly request that these outdated addresses and phone numbers be promptly removed from my credit report, and that any future consumer reports issued by your agency do not include this information. 

I appreciate your attention to this matter and the timely handling of my request. Please provide written confirmation once the requested removal has been completed. 

Thank you for your prompt attention to this matter.
Product: Mortgage

My ex husband died on XX/XX/2024 and I had previously communicated with the mortgage company about sending the information to me prior to his death. They refused even after receiving a power of attorney stating I was not on the mortgage and not responsible and therefore not in privity of contract. 

After several instances of trying to pay the payment and communicate I was told that was the responsibility of his now power of attorney. 

After he died, we had a death and dismemberment insurance provision. They would not communicate with me about that. 

Now, the house was in non-judicial foreclosure and I have asked for additional time with the Court as well as a TPR until this matter is considered and handled.