23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

When I applied for the suspension of my mortgage payments due to COVID financial impact, I was told that no interest would be charged during the period of time I was on forbearance. the payments and the principle would begin again where they left off and because I was never late on my payments, the missed payments would be tacked on at the end of the contract, either in a balloon payment or monthly payments until I paid all missed payments. As I was checking my account on-line during the time my payments were suspended, I noticed the balance of my mortgage principal owed was increasing. I called Wells Fargo, my mortgage lender, to ask them if interest was being charged during the time I was on forbearance and that I noticed the balance due on my loan was increasing. They said no interest was accruing and to be patient that it would be corrected when I was off forbearance and started paying my regular payments. 

I requested to start paying my regular payments XXXX months ago and that I no longer wished to be on forbearance The balance due on my mortgage grew more than {$20000.00}. It went from approximately {$210000.00} principle due to {$240.00}. I called Wells Fargo, again asked them to explain the added principle owed and was told it was interest that was charged during the time my loan was on forbearance. I told them that I was informed that no interest would be charged during that time period and representative told me that I had misunderstood. 

At this time, I am in the process of applying to other mortgage lenders for a refinance and the payoff on my mortgage is being given to these lenders by Wells Fargo as {$240000.00} principle balance. So now I owe {$2000.00} more on my loan that will have to be paid when I refinance instead of the real principal I owe of {$210000.00}. And if I don't refinance I will be paying interest on the extra principle that was added. Please explain. I still do not understand how I could end up owing more principle on my loan. I know fully that I have to make up those payments at the end of my loan but why did the principle go up? 

As of today I noticed that the principle balance owed on my account went down from {$240000.00} to {$230.00}. Still does not make sense to me. Are the payments I am now making reducing the principle while I am being charged interest on the new higher amount? And if I refinance will I have to pay {$20000.00} more on the loan? Is this interest being charged on calculated interest I was charged during the time my payments were suspended? Looks like Wells Fargo found a way to benefit from the financial difficulties of its customers caused by the COVID pandemic.
Product: Payday loan, title loan, or personal loan

I am filing this complaint in regards to the company Dignifi. I signed a fraudulent contract on XXXX XXXX with a finance balance of { {$1000.00} }. Which is at XXXX XXXX .Since then I have paid a total of { {$600.00} } and as of today XXXX XXXX my balance has only decreased by { {$97.00} }. This company has not applied any payments that I have made to my principle balance of the loan. This company is illegally charging high interest on this account that is not even being documented properly. I reached out to them on multiple occasions and have asked why the balance hasn't decreased and why the balance was still very high although I have been making payments and the company 's only response is that its from interest.This is fraud!! The total amount of interest paid to date is { {$500.00} } which is unfair but not even that only { {$97.00} } was put towards principal why hasn't the payments been applied to the principal balance that on a loan of { {$1000.00} } at XXXX XXXX .Dignifi is still saying I owe a sum of { {$960.00} } .this is malicious and deceptive practices. Dignifi is also reporting under my consumer report as confident financial solutions which I never signed a contract with and also reporting inaccurate data which has effected my credibility, creditworthiness and reputation.Which is fraud? Please see the attached statements and current statements.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  XXXX # XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Checking or savings account

Usaa bank put my account in review and said they would be closing my account in 60 days. My money in my account have been frozen for 60days now and when I called to report it's been 60 days they still won't close and release my money.
Product: Credit reporting or other personal consumer reports

I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter and as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the XXXX section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!
Product: Checking or savings account

I don't have dates at the moment, but I have definitely had problems with Wells Fargo 's surprising overdraft fees. On numerous occasions. I've been with this bank for over 30 years now.
Product: Credit reporting or other personal consumer reports

l am a victim of human trafficking of Debt bondage and would like for all listed accounts to be blocked and deleted from the company XXXX XXXX for myself. 

COMPANY : Contract Callers, I Balance {$940.00} SSN : XXXX DOB : XX/XX/year>XXXX   Name : XXXX XXXX COMPANY : XXXX XXXX XXXX  Balance : {$10000.00} SSN : XXXX DOB : XX/XX/year>XXXX   Name : XXXX XXXX
Product: Debt collection

There are three collections reporting on my credit file with Professional Adjusment Company for 3 medical bills from several years ago. First I never knew I had a balance for any type of medical bill it wasn't until I received a copy of my credit file. Once I did I wasn't even sure if they were truly mine. Once I did confirm I owed them, I paid all three in full. The debts the are showing occurred in XX/XX/2013 so I am assuming that the date open is when the this collection company received it. I could I pay for something I knew nothing about at the time?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX  are reporting 5 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 6th dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Mortgage

In XX/XX/XXXX my heloc loan was changed to a 10 year note with payments jumped from {$450.00} to {$1200.00}. I was proactive in contacting US Bank to get this note refinanced as a 20-year second mortgage which the US Bank Rep told me to apply for a loan modification. 

I received the loan modification document packet in XX/XX/XXXX ; upon reviewing the docs it puts us right back where we started over 12 months earlier, a 10 year loan with {$1100.00} payments. 

So a US Bank Representative directed me to re-apply for a new loan modification. And on XX/XX/XXXX I received a letter saying 'Im qualified ', for a loan modification with no terms and Ive made the required 3 trail payments of {$1000.00} a month, and now its XX/XX/XXXX and still have Not received my loan documents. 

I've never spoken to anyone as to the terms of the loan modification over the last 28+ months, it was my understanding the loan modification program was to help lower my payments! 

Well with minimal to any correspondence with emails or phone calls, XXXX XXXX, not Supervisor Mr. XXXX XXXX nor anyone working on the Loan Modification has discussed any terms of when or how the HELOC loan would be modified! 

I originally requested to have the HELOC loan be modified or turned into a second mortgage as a 20-year Term Loan. This was due to the monthly payment was and is still Not within our ability to pay {$1200.00}, {$1100.00} nor the {$1000.00} a month on a 10-year loan! 

The terms are Not the requested 20-year Term to lower the payments ; But still set as a 10-year Mortgage with a {$1000.00} a month new payment ; my current loan is HELOC Not a Second Mortgage. 

US Bank has wreaked my credit rating which has caused all my lines of credit interest rates to skyrocket, plus the undo stress on my wife and myself which both of us have health issues, Im 100 % XXXX, that have been aggravated by this stressful time in our lives. 

As stated above, Ive emailed XXXX XXXX and XXXX XXXX on multiple times with no response, this has caused great concern that the help US Bank has offered is Not Serious with Truly helping their clients!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a letter requesting Transunion verify an account on my credit report. I specifically asked them to verify the Date Closed. I received a response to the verification request recently. The report states that they both " VERIFIED AND UPDATED '' the account in question. 

After careful review of the account, I found that the data entry for " Date Closed '' did not match my records. 

This matter should have been handled upon the initial request and this account is hurting my credit report and scores.
Product: Credit reporting or other personal consumer reports

Consumer Complaint Against Equifax for FCRA Violations on Multiple Accounts. I am filing this complaint against Equifax for failure to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ) regarding my requests for validation and reinvestigation of multiple accounts on my credit report. Despite sending several written requests for debt validation and dispute reinvestigation, Equifax has neither responded nor provided the legally required documentation or results.

Accounts in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Initial Validation Request - On XX/XX/XXXX, I mailed a letter to Equifax requesting validation of these debts, as allowed under the FCRA ( Section 611 ( a ) ( 1 ) ( A ) ), to confirm the accuracy and completeness of the reported accounts. Equifax did not respond to this letter.

Second Request for Reinvestigation - On XX/XX/XXXX, having received no response from Equifax, I mailed a second letter requesting reinvestigation of the accounts in question. No response was received from Equifax following this second request.

Further Follow-Ups- To ensure compliance with federal law, I sent additional letters on XX/XX/XXXX, and XX/XX/XXXX. Each of these letters reiterated my requests for investigation and validation of these accounts. To date, I have not received any acknowledgment or results from Equifax regarding my dispute requests.

VIOLATIONS : Under the FCRA, consumer reporting agencies have specific responsibilities to uphold consumer rights : TIMELY INVESTIGATION : According to Section 611 ( a ) ( 1 ) ( A ) of the FCRA, Equifax is required to investigate a consumer dispute within 30 days ( or 45 days if additional information is provided ). Equifax has far exceeded these legally mandated timeframes, as my requests have gone unanswered for over four months.

NOTIFICATION OF INVESTIGATION RESULTS : Under Section 611 ( a ) ( 6 ), Equifax is required to notify me of the results of its investigation once completed. Equifaxs lack of communication and failure to provide results indicates non-compliance with this requirement.

RIGHT TO VALIDATION : Equifax has also ignored my initial validation request, which is critical for ensuring the accuracy of the reported debts. By failing to validate or investigate the accounts, Equifax has compromised my ability to verify and maintain a fair and accurate credit report.

DOCUMENTS PROVIDED : For the CFPBs review, I am enclosing copies of each letter sent to Equifax on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, along with my identification for verification purposes. These documents demonstrate the timeline of my communication and Equifaxs lack of response, indicating a clear breach of FCRA requirements.

CONCLUSION : Equifaxs failure to respond to my repeated dispute and validation requests for over four months is a clear violation of my rights under the FCRA. I seek the CFPB 's assistance to enforce compliance with federal law, ensure my credit reports accuracy, and hold Equifax accountable for these legal violations.
Product: Mortgage

Ditech made several mistakes on my account in the month of XXXX, including extorting an extra payment because they were refusing to cash a check. As soon as they received the extra payment, they cashed the check, essentially getting a double payment. They credited the XXXX payment towards principle. I can not afford to make principle payments at this time, so I asked for a refund of the principle payment. I was told by customer service that it would be done and it still has n't.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid the balance and the status was supposed to be updated to settled I full. XXXX is still reporting a balance of {$240.00} which is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX TransUnion XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX  XXXX. XXXX XXXX XXXX, TX XXXX To Whom It Might Concern, Were contacting you AGAIN regarding the merger of our files and reports. We are still noticing that our names, accounts and personal information is still illegally merged and combined on each others reports. We have sent you letters requesting to dispute. We have called you on the phone and requested to dispute. We have mailed you letters in the mail requesting to dispute! We have mailed you copies of our Drivers License. We have mailed you copies of our Social Security Cards. We have included copies of our past and present credit reports to show the discrepancies. We have filed countless complaints on the CFPB website. However, you continue to ignore and disregard our requests, disputes and complaints. 

We previously disputed these incorrectly reporting personal information to each of you and it was never deleted, corrected, verified or investigated. It remains or it was deleted and added back without further verification taking place. We sent letters and complaints on XX/XX/XXXX CFPB telephone complaint, XX/XX/XXXX CFPB website, XX/XX/XXXX us mail, XX/XX/XXXX CFPB website, XX/XX/XXXX us mail, XX/XX/XXXX CFPB website, XX/XX/XXXX us mail, XX/XX/XXXX CFPB website, XX/XX/XXXX CFPB website, XX/XX/XXXX us mail, XX/XX/XXXX CFPB website, XX/XX/XXXX CFPB website, XX/XX/XXXX CFPB website, XX/XX/XXXX CFPB website and again today, XX/XX/XXXX CFPB website. We requested that you remove ALL incorrectly reporting information and send us new, updated, completed copies of our credit report. That has not happened to date! 

As of todays date, XX/XX/XXXX we have decided to proceed with legal action. We have contacted our attorney and requested that he file a monetary XXXX complaint against you effective immediately for intentionally reporting inaccurate, incorrect, misleading, false information on my credit report. You have not sent any of the requested information. You have not sent us any investigation results. You have not sent us any letters or proof of validation. You have not sent us any signed contracts. At this point, we are overwhelmed, exhausted and simply mortified of your behavior. Laziness and inability to follow through on your job. 

The information that is reporting is inaccurate. You are continuing to intentionally report false, inaccurate, incriminating information which is a violation of FCRA. You have failed to respond to our requests within the original allotted 30 day timeframe. The added 15 day timeframe. The final 24 hour deadline. You have NOT verified any information listed regarding anything we have previously submitted to you. There are several discrepancies and we demanded that it was all deleted immediately. Attached, please find copies of the court case numbers, court dates and names of all parties involved in the lawsuit!
Product: Checking or savings account

Our complaint is with Chase Bank ; we have had our account for 5 years and are in good standing. I deposited a check from XXXX XXXX XXXX XXXX XXXX in our savings account on Friday, XX/XX/2023 and was told the check would be held for 7 business days. XXXX was set up by the Commonwealth of Massachusetts and is governed by the insurance commission of the Commonwealth. We received this check pursuant to a loss after the record freeze that hit the northeast in early XXXX and we sustained over {$100000.00} in damage from 2 bursted pipes. When I questioned why the long hold, they said to call on Monday, XX/XX/2023 to remove the hold. On Monday I called twice and spoke to a representative and a supervisor and was told to call on Tuesday, XX/XX/XXXX because XXXX was closed and they could not verify the item with the maker. This morning I called and spoke to a Supervisor who verified the check as being issued by XXXX and was told by her that the hold would be lifted in approximately 20 minutes. In the afternoon when the hold had not been lifted I called again and was told the request to lift the hold was denied. I asked for a supervisor again. Supervisor said the request had been denied and she had to call XXXX XXXX XXXX XXXX to verify funds had cleared. At XXXX today I was advised by XXXX that the funds had cleared XXXX XXXX  and that she was going to request the hold be lifted and to wait 20 minutes. I called at XXXX and was told it was still in review to wait another 30 minutes. I called at XXXX and was told that the request was denied because they had to verify funds had cleared XXXXXXXX XXXX XXXX XXXX. I advised them that this had been done this morning and asked to speak to a supervisor. This latest supervisor is sending a third email to get the hold removed. In summary, I have spoken to 8 representatives and 3 supervisors and spent over 4 hours on the phone today, mostly on hold, trying to get this resolved without success. The maker of the check has verified issuance and the payor bank has verified funds have cleared. However, {$0.00} have been released from the hold and not even the minimum amount of {$200.00} per Reg CC has been released. As this check is issued by an arm of the Commonwealth of Massachusetts and we are entitled to funds availability within 1 business day, I believe Chase is in violation of Reg CC and is causing me undue harm and distress.