23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I believe my property was wrongfully foreclosed on. I have sent a large attachment with correspondence and the following to thetrustee that foreclosued on my property. The pages correspond with the attachments I had sent. There was gross negligence by theemployees and account managers assigned to my XXXX XXXXXXXX and it resulted me in losing my home when i didn't even know there was apending sale. I was unaware of an active sale date of my property and found out about it when the third party showed up at myproperty letting me know they purchased it at the auction. Up until XX/XX/XXXX, I was in communication with my accountmanager assigned to my XXXX XXXXXXXX to fi nalize a trial modifi cation I was approved for in XXXX of this year and had made 6 successful trialmodifi cation payments for. I was in an active modifi cation trial and had made all trial payments. Contradictory information andnegligence for months caused the sale of my home, a sale that I wasnt even aware of was pending. I was in communication with myaccount contact who was following up with the escalations department TWO DAYS PRIOR to the sale which led me to believe my fi lewas still being worked on ; a follow up for something that was submitted to the escalations dept from XX/XX/XXXX for documents that weresubmitted for review by an employee of Shellpoint on XX/XX/XXXX! Again, I dont want to start any legal proceedings, because I believe thiscan be resolved by reversing the sale of the property, and with the information I provided, I believe I have just cause to have thatdone. I will not lose a house thats been in my family since XXXX because of the careless and negligent mishandling of mymodifi cation by Shellpoint and their staff. I have over 60 pages in correspondence that I've printed and notated. I would like theforeclosure rescinded and be given the actual chance to pay back the amount that was owed. I again would never have let my familyhome of 34 years slip through my fi ngers had I known it was in active foreclosure. I request review and resolution to be able to getmy home back. THank you in advance
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the removal of unauthorized hard inquiries on my credit report, which I believe were made without permissible purpose and in violation of my rights as a consumer. These inquiries have adversely impacted my credit report and may affect my creditworthiness. I kindly request that you investigate these inquiries and take appropriate action in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b ( Permissible Purpose ). 
Unauthorized Hard Inquiry Details : XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX NXXXX XXXX XXXX  XXXX on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX
Product: Mortgage

In XX/XX/XXXX my husband and I purchased our XXXX home. Interest rates were much higher then and several years later we decided to refinance at a lower rate of 7 % -still very high compared to current rates. The loan officer said there appeared to be an error on the original loan. The mortgage had my husband 's name, a married man along with his wife, as the borrowers on the loan, but my name was not on the document. He said it was likely an oversight but of no consequence, he would just correct it. I did n't think about it again. Several years later my husband and I divorced, and my ex husband quit claimed the home to me as part of the divorce agreement. In XX/XX/XXXX it became increasingly difficult to make my monthly mortgage payment. My interest rate was still 7 % and I applied for a Harp loan which would greatly reduce my payment. I was surprised to learn that I could not apply for a Harp or refinance the home because although it was my name alone on the deed of record, my name was not on the mortgage. This Is a very unusual problem. Most people try to have their names removed, especially after a divorce. In this case I was lowering the risk to the bank by adding myself to the mortgage. However, trying to deal with my mortgage company or bank as they are the same, proved to be more frustrating than anything. They did not know what I could do, offer me any help or have any idea how to help me with this situation. The one thing I was told was that they would not add my name to the mortgage. I do n't understand why they would refuse and they never explained so I still do n't know. Had I just left things as they were then, I would 've just lost my house. I had no choice but to use an attorney. From that moment they refused to accept any payments as we were in litigation until there was some resolve. After TWO YEARS, they finally acquiesced to my request and agreed to add my name to the mortgage. The bank then totaled the amount I would 've paid over those two years, which included the principal, interest, taxes and insurance, and simply tacked it on to my loan amount. This also meant that on top of the interest that was included, I would be paying another 7 % on top of that! How is this at all fair or even legal? They took a full two years to decide to grant my request and then profit from taking so long! My situation was exploited and I was exploited as well. Is there any protocol for this type of situation or are consumers simply at the mercy of their banks? And what was the reason for the two years it took for them to finally agree to add my name? Was there any reason to deny me other than increasing their profits by adding up more payments to double charge me interest? How is this practice legal because it feels terribly wrong and unjust.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of fraudulent accounts from my credit report due to a recent data breach in which my personal information was compromised. As a victim of identity theft, I am seeking to have these accounts blocked and permanently deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ).

Fraudulent Accounts XXXX. XXXX - XXXX - Account XXXX : XXXX - Date Opened : XX/XX/XXXX - Balance : {$840.00} XXXX. Bank XXXX XXXX - Account XXXX : XXXX - Date Opened : XX/XX/XXXX - Balance : {$2000.00} XXXX. XXXX XXXX - Account XXXX : XXXX - Date Opened : XX/XX/XXXX - Balance : {$6200.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$840.00} XXXX. XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$25000.00} XXXX. XXXX  - Account XXXX : XXXX - Date Opened : XX/XX/XXXX - Balance : {$590.00}
Product: Debt collection

I am currently paying transworld an automated amount of $ XXXX monthly towards a {$670.00} amount for tolls by mail. I tried explaining that Notifications werent received and if I can just pay the bills owed since the majority of the amount is violation late fees. They said I only had the option to go on a monthly payment plan. Now I am currently unemployed and am not receiving any government financial assistance or any aid at the time and can not afford to pay this debt. I would like to know if its possible to dispute the violation fees and just pay the tolls owed at this time. Since I have no source of income.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( 15 USC 1681, Section 602a ), it is imperative to ensure that consumer reporting agencies conduct their responsibilities with fairness, impartiality, and a regard for the consumer 's right to privacy. XXXX and XXXX, being consumer reporting agencies, interact with me as the consumer. I possess the right to safeguard my private information, as reinforced by 15 USC 6801, which dictates that financial institutions have an ongoing obligation to respect customer privacy and safeguard nonpublic personal information. XXXX XXXX XXXX  falls under the definition of a financial institution in compliance with this policy. Under 15 USC 1681, Section 604a, Subsection 2, it is stated that a consumer reporting agency may furnish a consumer report only upon the written instructions of the relevant consumer. Both XXXX XXXX XXXX and the consumer reporting agencies, XXXX and XXXX, do not possess my consent to disclose this information, nor do they possess my written consent. I hereby revoke any and all forms of consent, whether verbal, non-verbal, written, implied, or otherwise. 15 USC 6802 ( b ) ( c ) specifies that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer of their right to exercise a nondisclosure option. XXXX XXXX XXXX  never informed me of my right to exercise this option. Furthermore, 15 USC 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including certain adverse information in consumer reports without authorization. This account is being reported as adverse without my permission, which is in violation of the law. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) A prohibits the furnishing of inaccurate information to consumer reporting agencies, and 15 U.S. Code 1681e requires consumer reporting agencies to maintain reasonable procedures to avoid violations of Section 1681c and restrict the furnishing of consumer reports to specified purposes. XXXX and XXXX appear to be failing to maintain reasonable procedures. Moreover, 12 CFR 1016.7 affirms my right to opt out of reporting services at any time. Therefore, I am exercising my right to opt out of your reporting services
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a complaint earlier and here are the contents : I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of 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 receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 






















Please Block these inaccurate items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$460.00} XXXX XXXX XXXX : {$690.00} XXXX XXXX  XX/XX/XXXX
Product: Mortgage

In XX/XX/2020 I became very sick from XXXX issues, and I was out of work for nearly 7-weeks. I was late for the XX/XX/2020 mortgage payment by a few days, but that was due to my inability to work. Finally I recovered to 100 % strength, and I have been on time with every payment since. I could have requested a deferment for 6-months, but instead I decided to fight my illness. I respectfully request for Citizens One Home Loans to forgive my one time late payment for my difficulty last year. I could have requested the deferment but did not, and I believe that I should be entitled this one time courtesy. 

XXXX XXXX XXXX
Product: Debt collection

I received several calls from XXXX XXXX @ Direct Capital XXXX as well as XXXX They advised they had time sensitive information regarding a civil action they needed to get to me, but i needed to verify information. I stated i do not verify information over the phone and i will only communicate with them via US Mail, he stated i can not send you out any information without verification. I said if you have a civil issue against me then you have the information to send all information via US Mail. I said please do not call me again. 
I hung up and he proceeded to call me 6 more times, each time telling him not to call. I then blocked his number then he proceeded to call with other numbers. I advised him i was reporting him for harassment. Then he started to call my work number I made the same statement. He called back again and asked for my supervisor I said not then he said please transfer me to HR i said no, and stop calling my work number. He continued to call a 3 more times. 

He also called my ex husband and left a voice mail for him. I do have the voicemail as he forwarded it to me. He called him after I repeatedly asked him to for communication to only be through them mail. This VM states they have time sensitive information regarding my personal information. 

Calling me at least 10 times in a 20 min span after asking him to stop each time is harassment. Calling my job and requesting HR and my supervisor is an attempt to intimidate me to give them information.
Product: Checking or savings account

My account was closed quick after an overdraft fee I didnt have time to fund the account and cover overdraft fees and there were a lot of incorrect fees and interest charges
Product: Credit reporting or other personal consumer reports

According to the IRS an unpaid Charge off is income and According to the FCRA income Cant be reported on a Credit report. Im Requesting a 1099-c ( Cancellation of Debt From the following Charged off account listed below. Toyota Motor Credit financial Account # XXXX. After Calling and speaking to both Partys both stated that the account was sold to XXXX XXXX. This Account cant be reported if the account was sold to another Lender. Please send the 1099-c Form please.
Product: Checking or savings account

My Wells Fargo account was closed due to overdraft fees that I was charged and never refunded for also the monthly service fee I was opted out for. Also disputes I never got remembered for! Money still taking out of my account for canceled services
Product: Credit reporting or other personal consumer reports

I became aware of unauthorized hard inquiries on my credit report from XXXX XXXX on XX/XX/XXXX and Discover Financial Services On XX/XX/XXXX. These inquiries were made without my knowledge or consent, impacting my creditworthiness.
Product: Debt collection

My lease was up on XX/XX/year> after my daughter passed away, I could not afford it and the landlord knew this from previous discussions, I moved out on XX/XX/year> with the moving truck picking up my things, I flew out on XX/XX/year>, and the transportation company picked up my car on XX/XX/year>, I have documentation, when I asked the landlord for documentation about the collection, she refused to give, as additional information Ive sent a {$700.00} cashier check to this collection company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXX XXXX XXXX  XXXX XXXX Account # XXXX XXXX XXXX, XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX, XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I called XXXX XXXX XXXX XXXX to negotiate a pay for delete for my balance that was owed to them. The associate on the phone agreed verbally to send me a letter of proof for the pay for delete. This phone call was recorded. all of my phone calls to this collection agency was reported. I called multiple times. They confirmed they would do this. When I got the letter it was NOT a pay for delete letter releasing me from the debt owed. It was a letter showing my account balance was at {$0.00}. So I then disputed this with the credit bureau. Not only did they offer a pay for delete letter in return for me to pay the account balance owed. They told me they would delete the owed balance off of my credit report with in 30 days. I called them today XX/XX/XXXX. More than 30 days later and a supervisor informed me that there is no such thing as a pay for delete letter with in their company. And told me that I had to DELETE MY DISPUTE with the credit bureaus in order for them to work with me. And from the day that I delete my dispute. They will then take an additional 30 days in order for them to recognize this account paid in full and delete this off of my credit report. This sounds very odd and unprofessional. And at no time did any one mention that I was not allowed to dispute things on my credit report. Usually when an account is paid in full and the company agrees to send a letter for pay for delete. They fulfill that obligation. And if it so happens that the account is disputed. The process is simple. They answer to the dispute. The supervisor told me on the phone that once I cancel my dispute that they will THEN follow through and update my account with the credit bureaus after 30 days. 

I have attached the letter that the company fraudulently sent me instead of the pay for delete letter as agreed upon in return for paying the balance owed in full. I also dont believe its appropriate to punish some one for disputing something on their credit report and making them cancel their dispute in order to recognize the debt paid in full and delete the account on a credit report. This deeply affects and individuals credit and quality of life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681.And they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681.I have the right to privacy and I did not give Equifax to furnish these accounts XXXX XXXX XXXXXXXX XXXX
Product: Student loan

I cosigned my son 's student loan. He is XXXX and can not pay the loan. The loan amount was XXXX. I 've been paying the loan monthly to AES. When he defaulted on the loan, I was notified and immediately began to make monthly payments. I never missed a payment. I became XXXX this past year, and I heard about Obama 's ruling on releasing loan repayment obligations when a loan has been repayed monthly without any lapses or deferment. I contacted AES to get the loan discharged, but they claimed that this loan was deferred for one month before I even knew it was in default. I did n't authorize any deferment ever, and I 've been paying the loan for more than 48 months without any lapses. They claimed that I am responsible for my son 's initial request to defer the loan for a month without ever informing me about this decision. My son has a psychiatric XXXX which limits his rational decision making ability. Now, we are both XXXX. AES claims that I 'm basically stuck with repaying the loan. The percentage rate is very high at 9.493 % which is above the original rate I was given. This company refused to provide me with the bank information associated with this loan which was initially XXXX Bank. Thank You, XXXX XXXX XXXX
Product: Checking or savings account

Yesterday XX/XX/XXXX, I have made an internal complaint on claim # XXXX, that it had been issued 5 times of denial letter, which timeframe is out order. XX/XX/XXXX 's letter is denial letter w/o notice of ten day to submit additional information and so now it is kept asking for additional information in order to issue permanent credit. It is similar to these two claim number at below : XXXX which favored me within couple denied. 
XXXX which favored me within couple denied.
Product: Debt collection

I was never notified about this debt. Was never given the right to dispute this debt. Creditor placed 2 collection account on my credit reports without notifying me about the allege debt. Original creditor- XXXX
Product: Mortgage

I don't know how else to get across what the actual problem is in this case. It has been very frustrating as I keep trying to explain the actual issue, and the responses have been unrelated to the issue. 

My mortgage bank, US Bank, put my missed payments during a CARES act protected mortgage forbearance, into an interest bearing account at the end of forbearance. This is not allowed under the CARES act, which forbids charging borrowers any more than if they had made payments on time during a pandemic - era forbearance. I keep making complaints. All of the banks responses have centered around sending me documentation showing that I signed a loan modification at the close of the forbearance. I did sign, but did not understand, because calculations are very complication, that this loan modification with lower interest rate, which the bank actually encouraged me to sign in order to increase affordability, would end up costing me {$20000.00} in additional interest over the life of the loan. {$20000.00} more than the original loan, in interest alone. 

I can not stress this enough, and it is not being addressed : The CARES act prohibits charging additional interest over and above what would have been charged if I had made payments on time. What I want to know is why the missed payment amount was not put into a non-interest bearing account, as required by law. If I didn't qualify for that arrangement, why not? I should have. My loan is XXXX XXXX backed, and was current at the time that I first signed up for the forbearance plan during the pandemic.

However, I am being charged {$20000.00} over the life of the loan in additional interest. I don't want to keep being sent the original documents. I want to know how the bank justifies charging me interest on the missed payments, when the CARES act prohibits such, and when my HUD counselor has provided me with the calculations and said the missed payment amount should have been put into a non interest bearing account. I am still waiting for an explanation of why the bank thinks it did not need to do this, despite the clear intention of the CARES act provision.