23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

1. Or about XX/XX/XXXX a re-submission of loan modification was finalized but denial of loan modification followed in less than 30 days from resubmission in absence of calculative methods used to derive a reasonable mathematical explanation for denial of loan modification. 
2. On or about XX/XX/XXXX a formal dispute was submitted. Within 30 minutes from submission of formal dispute borrower received a call from assigned representative XXXX XXXX. XXXX EXT XXXX to inform that the underwriter could not approve modification as BSI could not derive an affordable payment from income provided and that investor would not go below 6 % to calculate new modified payment doubling the mortgage payment to about {$12000.00} a month. 
3. On or about XX/XX/XXXX borrower requested denial letter and sent qualified written request. 
XXXX. On or about XX/XX/XXXX contacted BSI and spoke with assigned loss mitigation specialist whom provided the following information : According to XXXX XXXX : There is no material change so therefore there is a denial. 
Upon verbal request of income information the total income used for review was XXXX. Income was derived no material change from previous review. XXXX earnings are XXXX semimonthly, real estate average XXXX XXXX XXXX per the XX/XX/XXXX XXXX provided. 
XX/XX/XXXX tax returns provided and reported a loss. But could not explain where on tax returns loss was reported. There is a depreciation expense but that was not explained. 
Husband 's contribution of XXXX and XXXX was used. 
Further clarification on figures was requested because the numbers did not add up including the source of the {$4800.00} figure. XXXX XXXX could not clarify but and stated she would speak to underwriter and upper management and I would get a call sometime tomorrow. 
Although no clarification of income was provided to explain the {$4800.00} figure it was explained that monthly income on RMA was compared to worksheet-net income to show property is not affordable and Income presented much lower than the income provided on RMA. However, this is a stretch since no income figures could be explained despite previous QWR. 
In the end the conversation ended with a promise to follow up and a call back but no material clarification was given to explain denial, which was the same promise made verbally in the last conversation not withstanding previous QWR and formal dispute requesting the same information. 
This modification has been in process for years. First with XXXX who transferred to XXXX XXXX XXXX who hired XXXX to collect {$31000.00} which I paid which was never applied to principal balance. Then loan was transferred to XXXX XXXX XXXX XXXX and now to BSI. 
I am requesting assistance with my mortgage loan modification and reasonable efforts on behalf of mortgage servicer to underwrite the mortgage for loan workout in a commercially reasonable manner. Circumventing requests for calculative methods to support denial is not commercially reasonable. Please see attached formal dispute and QWR 's. ( 2 on file )
Product: Credit card

My dog was injured due to being attacked by coyote had to rush him to a vet and they informed me about XXXX XXXX for XXXX interest XXXX months. I went ahead and rush and apply for it because they were waiting for my payment and the line were being held by me. Apparently, during the application I signed up for some payment security basically saying if Im not able to make the payment they are going to make the payment which doesnt make sense because I never received my first bill which causes me to have a late fee. In top of everything late XXXX I called in to see if I have a payment due and the automated system say I dont and now I got charged another late fee. Customer care said they cant do anything about it. Apparently I am getting charged an interest charge due to this payment security transactions
Product: Debt collection

Received a letter through XXXX stating I would be sued for payment on a " debt ''. I have never heard from this company before, so the option for verification of said debt has not been allowed. The envelope also had " do not return to sender ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX Balance Owed : {$2500.00}, MXXXX XXXX Balance Owed : {$880.00}
Product: Payday loan, title loan, personal loan, or advance loan

It started XXXX XXXX, XXXX ; for 3 months I tried to make my payment, they just hung up on me. After that, they repossessed my vehicle. I contacted them and I was informed that I needed to pay XXXX to get it back. Which I did. I got my vehicle back. They will not talk to me and they repossessed my vehicle again XX/XX/XXXX. I called them again and I was told that since this is the second repo. They want the full amount of XXXX to get it back.
Product: Credit reporting or other personal consumer reports

" Your agency is in violation! 
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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. 
Delete this at once! '' XXXX XXXX - XXXX {$0.00} XXXX XXXX - XXXX {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

problem whit XXXX loan servicing on my credit report about every 2 to 3 month show 30 60 90 days late on payment i alwais pay my paiment on time my credit is very lo because of them they add fee on my account for nothing they call us avery day 7 day a week for a year or more this month my payment go up over {$200.00} is t a nightmare whit them i think they XXXX  people lef and right i try to fine a lawer to file a sue again them but no success yet
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX ; XXXX  XXXX XXXX   XXXX and XXXX XXXX The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Re : Loandepot. 
My aunt died in XX/XX/2019. She was XXXX. She had a loan on her house with loan depot, that was not due to be paid off until she was XXXX. 
She lives in Florida, we live in the XXXX. It took a little while to realise that she had a mortgage. 
In XXXX, we contacted Loan Depot to explain that she could no longer make payments. They said, " they would only talk to the personal representative ''. In XXXX, I phone them again. They said that they would not speak to me until we had the court order confirming that I was the PR. 
On XX/XX/XXXX, we received the court order. I immediately contact loan depot again. They requested a copy of my aunt 's death certificate and a copy of the court order. This had to be sent by post as they do not have a secure email address. Additionally I sent a copy of my photo ID as I suspected that they would need this. 
I did not hear back from them. 
On XXXX XXXX I phoned them again. After 26 minutes I spoke to an someone ( I have the name and ID ) who said they were still reviewing the documents and there would be an outcome on the Friday XXXX. She would not tell me any more, nor how I could be expected to hear from them. But she did say they would not make an international phone call and that they would not email. 
On XXXX XXXX, I had still heard nothing. I phone again. After 69 minutes on the telephone, I was told that they had no idea when we would hear. 
On XXXX XXXX I phone again. Apparently they sent further correspondence Mailed XXXX Additional documentation has been requested, photo ID, I had already sent this. I would need to make a payoff request They have started to forclose on the loan. 
Their system, is unable to cope with an overseas address! 
They have approved me as the personal representative, but as they have started to forclose on the loan, I would need to speak to the forclosure attorney The loan passed on on XXXX XXXX. 
We are now being charged attorney fees and costs, late fees and interest. 
I have not received any written correspondence yet from Loandepot
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late paymen t reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

I was told the account would have checks provided when I opened it and they were never sent. I called to get later and they said it would be {$17.00} for checks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent multiple certified letters over 60 days ago and still have yet to receive any sufficient results upon the errors on my credit report. As a consumer I feel like I am being mislead and taken advantage.
Product: Credit card or prepaid card

The amount {$550.00} for a navy federal account that was hacked about 2 years ago. 
Ive been trying numerous to get this off my credit through navy federal and nothing had been resolved They over-drafted my checking account and credit card as well being as thought the dispute didnt get accepted/ resolved i stopped using the account all together.
Product: Debt collection

I learned in 2013 a company named XXXX had filed a XXXX negative reports to the credit bureaus for a claim on XXXX and XXXX XXXX credit cards. I wrote and asked them about the reports, asked them to provide proof of a debt to which I was unaware, and to cease and desist. They mailed me statements that reflected fees and interest and otherwise gave no information. Apparently, then it was given to Lloyd and McDaniels and I wrote Lloyd and McDaniels and again inquired. Since my efforts, a suit was filed and a judgment granted, all without my knowledge even though they had my contact information and we were corresponding and talking by telephone, no one told me. I found out when my checking account began being garnished! This has caused me a great deal of stress and additional financial problems because of the garnishment. I may now have to file a bankruptcy! I need help getting the judgments repealed, the reports removed from my credit bureaus and my garnished money returned to me. This should never be allowed to happen to any American consumer. I believe these companies have acted illegally and in bad faith pursuant to Kentucky statutes of the Fair Consumer Act and the Federal Trade Commissions policies and ordinances.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by Equifax and the XXXX data breach and may have gotten into the wrong hands.
Product: Checking or savings account

On XX/XX/2022, I paid a deposit and first months rent ( {$300.00} & {$450.00} ) for an apartment XXXX XXXX that I did not move into. XXXX the apartment XXXX told me I would be receiving a refund to my card but that didnt happen so I disputed the charges. I received a reversal receipt from XXXX XXXX on XX/XX/2022 and sent it to chime. My claim was closed accidentally via the app and when I called chime to reopen they told me it was denied so I escalated it and was still denied on XX/XX/2022. So now I do not know where my money is because the apartments are saying that they never received the funds in the first place and that I owe them {$200.00} dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XX/XX/XXXX {$5400.00} XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XX/XX/XXXX {$1200.00} XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XX/XX/XXXX {$12000.00} XXXX XXXX XX/XX/XXXX {$18000.00} XXXX XX/XX/XXXX {$840.00} XXXX XX/XX/XXXX {$4300.00} XXXX XX/XX/XXXX {$1400.00}
Product: Mortgage

We decided to sell our home due to a series of challenging events, including health issues, the passing of a family member, a family conflict leading to my children moving out, and my husband 's minor vehicle accident. I tried to keep up, but with all these changes, we decided to sell our home just before prices started to rise. I trusted the figures provided by the bank, but now, due to the sale, my grandchildren are struggling with housing instability, moving from XXXX place to another. 

Years after we received correspondence from the mortgage company informing us of the error in processing our modification. In the amount in the modification. In this current real estate market there is no way we can afford a home and the rental market is also high. We live in XXXX  where the cost of homes has tripled in value and there's no way we can find a home we can afford. 

I know this section is for mortgages but they made the same error with my vehicle loan with Wells Fargo and the same thing happened. I received correspondence saying there was an error in processing my payment. They repo my vehicle and years later realized there was an error in processing the payment. My credit was affected because of the reporting and it could have affected the jobs I tried to applying because they now do credit checks. 

Years after Wells Fargo sent us correspondence about the error that was made. I don't want this mistake to go without compensation because our decisions were made on their mistake with our home and vehicle. They have put my family in this situation of having my grandchildren houseless and separating the family component just to have a roof over our heads. We are currently renting so we don't have the freedom to have them stay.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a delinquent payment posted to my credit report for my XXXX account ; however, this was the fault internally of XXXX when they transferred out of XXXX XXXX. I was in income sensitive forbearance when this transfer occurred. I moved to Florida to pursue work with my BA Degree, which I had not obtained up to XXXX. I had submitted the proper forms for deferment. I was in a major car accident where I had to go through XXXX in XXXX. I never received any type of correspondence from XXXX regarding the status of my forbearance. I then started to look into going back to school to obtain my Masters Degree. I was accepted in late XXXX. It was not until I looked at my credit report that I noticed there was a delinquent payment noted on my XXXX account. From when XXXX XXXX was the servicer back in XXXX XXXX. This was when I was still in XXXX and determined to be XXXX XXXX XXXX from being XXXX by a XXXX XXXX, and I lost my job due to this injury that was not my fault, and I have hundreds of supporting documents from the lawsuits. I never received written or email notification like I do from XXXX XXXX XXXX, and my current XXXX  Loans. I was in injury and jobless forbearance in XXXX, and then I went direct into my MBA degree in XXXX. Also, it is only 1 payment marked as late, and it is marked as 120-149 Days late under worst payment status. under Times 30/60/90 days late XXXX appears. How can I not have marks under 30, 60 days late and a huge hit on 120-149 when I was entering school, in rehabilitation for injury, and in forbearances with my other loans. I filed all the correct paperwork out. This is the fault of XXXX and their mishandling of digital and physical paper files, and not sending out proper communications. Also, this hit is the only derogatory mark on my credit and it is making it so I can not even rent my own apartment or condo. This mark is unfair. I have already disputed it twice, and there is a mark consumer disagrees and previous dispute on my credit report in which my broker stated I would not be able to get a mortgage until that is removed, and XXXX Refuses to remove it. They hang up on me every time I try to talk to them about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Wells Fargo XX/XX/23 referencing account XXXX that is closed but still reporting unlawful information to third-party reporting agencies I didnt give them permission to share, sell, report or furnish any private information to anyone so what they have chosen to do is illegal and without my written consent. The law is very clear on things like this. Its identity theft better yet Aggravated identity-theft 18 USC 1028A .

The reporting of Transactions and experiences is illegal and is not part of ones consumer report 15 USC 1681A ( 2 ) ( A ) ( i ) states ( 2 ) consumer report does not include- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. I told them to cease and desist and delete this unlawful act
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I checked my credit report, after the report came back there was loan on there that showed up under my soft inquiries as well as few more. I called the company and was told that they could not tell me when I tried to get the loan because I wouldn't tell them my Social Security number. 

With that being said I looked a little further and got all three of my credit reports, that is when I noticed and showing up under " previous address and personal information ''. This address is not my address nor have I ever resided at this residence. I put a credit alert on my credit report at this time with Transunion. 

During my paramedic program XXXX we are required to have a criminal, background check performed. The company XXXX is who it is through, in the report of my results for my criminal background check the section " previous address '' had the same incorrect address listed for my residence in XXXX. As stated I have never lived there nor have I ever put this place as my address.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at XXXX, I received a text message from XXXX stating they were Wells Fargo Security asking " Did you use your debit card ending in XXXX at : XXXX XXXX, {$10.00} Declined, XX/XX/XXXX XXXX XXXX XXXX XXXX  {$15.00} Approved, XX/XX/XXXX XXXX PAYMENT, {$3500.00} Approved, XX/XX/XXXX If you recognize this activity, reply YES If not, reply NO STOP to end text I then replied NO and immediately received a call from XXXX at XXXX from a customer service representative stating she was with Wells Fargo security . Asking me if I made these transaction and I then proceeded to tell her NO. She said she would cancel my debit card immediately and issue me a refund of the XXXX XXXX XXXX XXXX charge. She then said the XXXX PAYMENT XXXX was approved but had not gone through yet and that I needed to reverse the transaction by sending the money back to myself. She sent me a text message from the Wells Fargo number ( XXXX ) at XXXX XXXX with a 6 digit code that I usually receive text messages from Wells Fargo and instructed me to login and give her the 6 digit code. She then told me that the XXXX payment was going to someone named XXXX XXXX and asked did I know them. I stated NO. She said that I'd need to login to XXXX and change my phone number back over to my name and send the money back to myself in which I did. She said to give it 15 minutes and I should see the charge made to my account I did not so I called Wells Fargo back immediately ( XXXX ). They then told me that that wasn't them and that that was a scam and that somehow their number was hijacked. They immediately deactivated my card and filed two claims 1 ) for the approved amount of XXXX at XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX and 2 ) for the fraudulent XXXX transaction of XXXX. The XXXX was refunded but they denied the fraudulent XXXX transaction of XXXX