23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/XXXX : We recently did improvements on our home so we updated our homeowners policy. That resulted in a change of premium so I contacted Flagstar Bank to update them. After reviewing our insurance info I thought I should also verify the tax info since our county recently increased rates. I pulled up our account at the county and found that our property taxes were UNPAID, past due, and accruing late fees. We own two lots, one lot was paid, and the other was not. 
I called Flagstar back on XX/XX/XXXX to bring this to their attention. Flagstar blamed me, and the county, for " not making sure they paid the taxes ''. The Flagstar rep was able to pull up both tax lots on our account, but was unable to determine why one was paid and one was not. She opened case # to investigate the issue.

We didn't want to leave our taxes unpaid, and accruing late fees so we proceeded to pay the past due balance outside of escrow. This was done on XX/XX/XXXX. 
On XX/XX/XXXX we also called our original loan broker to ensure that BOTH lots were included in all paperwork. We reviewed the closing docs and loan paperwork and found that yes, both lots were included in all paperwork so Flagstar should have been aware of both lots. 

XX/XX/XXXX : I received a follow up call from Flagstar. Rep was XXXX. 
I was told when the loan was sold/transferred to Flagstar the paperwork only included 1 lot so thats why theyre only paying taxes for 1 lot. But in the same phone conversation she verified pulling the title/loan paperwork and seeing two lots. 
Per XXXX XXXX 's tax team is in the process of contacting XXXX XXXX to verify the second lot info/ownership so it can be added to the escrow account. After that they'd need to do and a new escrow analysis. The ETA for resolution is XX/XX/XXXX We waited, and waited with NO COMMUNICATION from Flagstar Bank. No phone calls, no emails, no letters, etc. They completely disappeared. 

XX/XX/XXXX - XX/XX/XXXX : We've since gone through the long process of cancelling our escrow account so we can manage & pay our taxes and insurance directly to ensure they are actually paid.

This resulted in us being fined {$700.00} by Flagstar Bank to close escrow. 

As of today, XX/XX/XXXX we've still not gotten any info from Flagstar Bank on the issue.
Product: Checking or savings account

On XX/XX/XXXX I file a claim for loss of funds which were unathourized. I was told to give wells fargo 10 days for investigation then I would receive provisional credit. I was sent a replacement card which I received on XX/XX/XXXX. When I tried activating card I was told that my account wasn't available. So I immediately called Wells Fargo and brought the issue up which the representative was flabbergasted because they closed my account while having a claim open. Then he proceeded to transferring me to fraud department for claim and they assured me that everything was ok that they would help me open my account again they told me to hold on and was kept on hold for like an hour. The very next day I get an email stating that they closed my account for overdraft charges. Those over draft charges were made because of unauthorized transactions. All of this happen on the tenth day the day I was supposed to receive provisional credit. The reason why they denied my claim was because some merchant have me a refund. Then I receive a letter staying that they were going to check up on this but never received anything. Please help I'm XXXX XXXX XXXX and this is the first time this happened to me my bank account got wiped and wells Fargo literally threw me out with nothing left please help thank you
Product: Mortgage

Last week Wells Fargo sent me a letter to foreclose on my home. I called multiple times Wells Fargo to try to work out a deal and they refused. Somebody by the name of XXXX from Wells Fargo email me stating they are here to help me. However, I emailed XXXX to see if she 's willing to work out with me. I 've been calling her the entire week and she has not returned any of my calls. She also has not reply back to any of my emails. All I am asking for is payment arrangements over a period of time.
I tried to explain to Wells Fargo, the hardship I have faced over the past couple of months. My daughter and my son has end up in the hospital with mounting medical bills. I had things I had broke down in the house including my water heater which cost me extremely a lot of money to put in. These are just some of the things that cost me to br backup and getting the money they need it at that time. I had number repairs that need to be done on the home, that caused me not to have the funds immediately. Including repairs on my vehicle to get to and from work.
I am trying to hold it together. Over the summer I had a death in the family. Until the day I still have not heard from my father who 's been affected by Hurricane XXXX. My daughter was in school last week and they called for an ambulance to take her to the to the hospital. I 've been having a lot of things go wrong. I 'm just asking to bare with me I will pay what I owe.
Product: Credit reporting or other personal consumer reports

Under FCRA 611 [ 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ] and FDCPA 809 ( b ) [ 15 U.S.C. 1692g ( b ) ], Equifax has repeatedly failed to conduct reasonable investigations of disputed information on my credit report. Despite multiple disputes, they continue to report materially false information in violation of FCRA 623 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) ]. 
The following inaccurate information persists : False identity information - violating FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] 's requirement for " maximum possible accuracy '' : - Names I have never used or been associated with - Multiple addresses where I have never resided - Employment relationships that never existed In violation of FDCPA 807 [ 15 U.S.C. 1692e ], Equifax continues to report false representations about my identity and history. Their failure to provide documentation of their verification methods after multiple disputes also violates FDCPA 809 ( b ) [ 15 U.S.C. 1692g ( b ) ] 's validation requirements. 
I have submitted comprehensive documentation ( bank statements, 1099 forms, utility bills ) proving these inaccuracies. Under FCRA 611 ( a ) ( 6 ) [ 15 U.S.C. 1681i ( a ) ( 6 ) ], Equifax was required to provide written results of their reinvestigation, including the specific documents and sources used to verify the disputed information. They have failed to meet this obligation. 
Furthermore, Equifax 's continued reporting of unverified information after disputes violates FDCPA 808 [ 15 U.S.C. 1692f ] 's prohibition on unfair practices and FCRA 623 ( b ) ( 1 ) [ 15 U.S.C. 1681s-2 ( b ) ( 1 ) ] 's investigation requirements. 
I request : - Complete removal of all unverified information - Documentation of their investigation procedures as required by FDCPA 809 - Written explanation of how they verified each disputed item - Review of their compliance with FCRA 's " reasonable procedures to assure maximum possible accuracy '' requirement These ongoing violations have damaged my credit profile and caused undue hardship in violation of both FDCPA and FCRA consumer protection provisions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested an investigation into this item. Asked for detailed information about this account and received nothing but generic response. Asked for re-investigation because each bureau has something different. ( Dates, amount, creditor, Status )
Product: Student loan

My federal loans are covered under full class under the sweet vs Cardona class action lawsuit. They have been fully discharged. These loans are from the same school taken out at the same time, with the same pressure to sign for them. The school has been closed. Others with loans from the same school are being discharged. School is closed due to fraud related to embezzlement of loans, such as this. I received a denial with no information as to why and these should be discharged.
Product: Debt collection

Company Information : Monterey Financial Services XXXX XXXXXXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Complaint Details : I am filing a complaint against Monterey Financial Services for multiple violations under XXXX XXXX Compliance and the Fair Debt Collection Practices Act ( FDCPA ) and other consumer protection laws. 

1. False and Misleading Information : Monterey Financial falsely reported that I incurred a debt due to a divorce decree. I have never been married. I asked them to provide the marriage license or the divorce decree and they failed to do so. 

Initially, they categorized the debt as a mortgage foreclosure, but after I filed a complaint with XXXX, they changed the category to financial without explanation. The changed ownership from individual to joint. 

2. Lack of Proper Licensing in XXXX : Monterey Financial is not licensed to collect debts in the state of XXXX, yet they continue to attempt collection. 

3. Failure to Provide Debt Validation & Cease and Desist Violation : I formally requested a debt validation letter and issued a cease and desist request. Despite this, they continued contacting me. 

During my last interaction, they refused to provide validation and hung up on me. I do not have a contract with this company. 

This conduct is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) and possibly the Fair Credit Reporting Act ( FCRA ) if they are inaccurately reporting to credit bureaus. I request the CFPB to investigate and take appropriate action against Monterey Financial Services for these violations. 

Resolution Requested : Immediate cessation of collection efforts. 

Removal of any inaccurate debt from my credit report and compensation. 

Investigation into Monterey Financials ' illegal collection practices in Georgia. 

Potential fines or penalties for violating consumer protection laws. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX . XXXX XXXX Arkansas, XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX To dispute department, There are 3 non qualifying inquiries reporting on Equifax. None of which are including a Firm line of credit, result of insurance, result of employment, nor court order. The following inquiries are all incomplete because No contact information is being reported by these creditors. Which is a Fcra violation for deletion. Im specifically requesting deletions for the following Inquiries on my Credit Report below. 

Delete XXXX XXXX XX/XX/XXXX because it is incomplete. It is not reporting No contact information has been reported by this creditor. Delete it Immediately! 

Delete XXXX XXXX XX/XX/XXXX because it is incomplete. It is not reporting No contact information has been reported by this creditor. Delete it Immediately! 

Delete XXXX XXXX XXXX XX/XX/XXXX because it is incomplete. It is not reporting No contact information has been reported by this creditor. Delete it Immediately! 

I take this matter very seriously, I completely understand my rights under the FCRA and that in XXXX XXXX Equifax Information Services, LLC et al, the courts merely said that The Credit Bureaus Can Not pair information from the Creditors and Collectors. They have to do and conduct a reasonable investigation on their own. Which means that they cant just use the XXXX XXXX because its not considered reasonable. They can not just say that we went to the Creditor and/or Collectors and got this information and they just say that its verified and we can say that its verified. No! 

I do trust that this matter will be handled amicably. And please send me another credit report afterwards. Thanks!
Product: Credit card or prepaid card

XX/XX/XXXX - Requested a balance transfer using my Citi Simplicity credit card. 

I rrquested they mail a check in the amount of {$4900.00} to XXXX XXXX to transfer my XXXX XXXX personal loan balance to my Citi Simplicity card. I specified that XXXX does not accept electronic payments and a check must be sent. A Citi bank representative confirmed that can be done and it is not a problem. I gave the representative the mailing address where to mail the check, and they told me a check would be mailed. 

XX/XX/XXXX-XX/XX/XXXX - i confirmed with a citi bank representative that XXXX XXXX had not yet recieved the check. The representqtive then explained to me that they decided to send an electronic payment. 

I asked why, as I was very specific that it must be a check. They pologized and said they will dispute the charge and the balance and transfer fee will be removed from my account. 

XX/XX/XXXX - XX/XX/XXXX - called citi bank multiple times during this time frame to explain that the balance on my coti simplicity card is still showing. I was told again on MondayXX/XX/XXXX that the balance will be removed from my card no later than Friday XX/XX/XXXX. 

XX/XX/XXXX - called citi bank to ask why the balance was still shwoing on my account and was told they had to open a second investigation, that i would recieve a letter in the mail, and that they would ensure the balance will be removed as well as the wire transfer fee of {$240.00}. 

XX/XX/XXXX checked my citi account to find the balance was still showing. Called citi bank, they told me there nothing they can do at this time and i have to pay the balances on the due date. I asked for a supervisor. The supervisor told me they elctronically wired the funds to a furniture company after i requested a 3-way call with XXXX XXXX to confrim upgrade never recieved the funds. The supervisor told me she would contact the firniture company and retrieve the funds, and will call me back no later than Thursday XX/XX/XXXX. Did not receive a callXX/XX/XXXX. 

XX/XX/XXXX - i called citibank, the transfered me to a closed dept. i called back and spoke to customer service and was told i need to speak with the fraud dept. and was transferred to the fraud dept. the representative in the fraud department told me to call my Citi account specialist and have me a phone # and extension. I called the number and it was for a debt relief company XXXX XXXX XXXX. I called back and again waited and was teansferred to the fraid dept. they said they cant help me and I need to speak with customer service. I spoke woth customer service for over 1 hour, she then told me she needs to transfer me to the fraud dept again so they can assist. 

This is absurd, they sent a wire transfer without my request or approval, it is severely effecting my credit health and financial health. I now have a balance of {$5100.00} for funds that I never used/received. 

The representatives can not assist me over the phone and are all but incompetent. The nearest branch is XXXX  miles from my home. I do not know what to do.
Product: Credit reporting or other personal consumer reports

XXXX reviewing my consumer report from TransUnion reporting agency I noticed there was a unwarranted Inquiry on my consumer report from XXXX XXXX XXXX XXXX. This inquiry is unauthorized and impermissible and I XXXX XXXX the consumer has no open line of credit with this creditor. Before the CRA TransUnion can release the consumer report, the XXXX XXXX XXXX XXXX XXXX must certify to the CRA that it has a permissible purpose to obtain the report and that it will use the information in the report only for that purpose. The certification involves filling out a form provided by CRA TransUnion.
Product: Debt collection

XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX RE : Notice of Violation of the Fair Debt Collection Practices Act Dear XXXX, I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. 
If you are not aware this entire claim is regulated by an arbitration agreement with The company that originated this account, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt. 
I am writing this as I humbly seek to have this discrepancy resolved both promptly and amicably. 
With that, my demands are as follows : 1. You must promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file ; 2. A settlement agreement that I may retain for my records. 
3. Monetary compensation in the amount of {$1000.00}.

While I do not desire or anticipate that your negligence may force me to purse further legal action, that option will be explored. In the event that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes. 
Thank you for your immediate attention to this matter. We look forward to resolving this issue promptly. 
Sincerely, XXXX XXXX
Product: Checking or savings account

Chase will not allow me access to our account until I accept their XXXX  page " Digital Services Agreement ''. I do not have the time to review a XXXX  page document. 
I need access to our accounts- there are several business accounts tied to me, I can not just blindly " Agree '', which by the way they don't give you the option, you have to agree or you get signed out of your login. I don't know what fees they're going to try and start charging or changing... This is so not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute to Transunion and  XXXX  in ref to a acct with   XXXX   XXXX   XXXX   over 30 days ago. They are reporting that the vehicle was a voluntary repossession and it was not. I asked the credit bureau to validate the information and to provide me with the names and information in which they used to validate the information. They did not provide me with anything. The balance they are reporting is {$7600.00}. I asked them to please remove it if they were not going to validate and provide me with the requested information that I have a right to under the according to the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM. consumer XXXX XXXX  XXXX. I have rights that protect me, and I know that equifax company policy does not have jurisdiction over federal law. upon checking my consumer reports I see that Equifax is furnishing my information without my written consent pursuant to 15 USC1681 ( b ) ( 2 ) permissible purposes. this section states that any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions of the consumer to whom it relates. Equifax does not have my written permission. I demand deletion of the tradelines listed below XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXXs XXXX. 
No consent is identity theft. Equifax is committing federal crimes and utilizing my intellectual property with out my consent. Equifax is sharing my personal information name, address, and social security number, account numbers etc. You are a data collection agency you are an alleged bureau, and have no rights. Pursuant to Truth in lending act 15 usc 1601 103 definitions and rules of construction ( b ) BUREAU -- the term Bureau means the bureau of consumer financial protection. I demand that these tradelines be deleted immediately. violation of these laws will result in civil liabilty to 15 usc 1681 o. pursuant to this section any person negligent in failing to comply is liable to any consumer in an amount equal to the sum of any damages sustained by the consumer as a result of the failure, and attorneys fees. deletion of the requested tradelines will avoid me resulting in taking further steps due to nature of the offense that is currently taking place against consumer XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There's a record my report from a company I do not recognize, nor have done any business with. The name is Spring Oaks. I have never obtained any money from them. I contacted XXXX several times but did not get any action taken. This is not my loan. 
Please, remove from my record immediately. This is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello I submitted a dispute letter to Equifax on XXXX XXXX I still have not received any reply from Equifax as of today XX/XX/2021. 
I also sent a letter to Equifax on XX/XX/2021 failure to comply and did not receive anything to this date.
Product: Mortgage

I have asked Seterus Inc. to grant a mortgage release or short sale for my property. They have not taken any action to move this process along in the last 17 months. I send them documents repeatedly, they do nothing with them then a representative tells me they have expired. I start the process over and over. I have sent them hundreds of pages of information. They are now proceeding with foreclosure because they are saying it is my responsibility to clear the title for the property for a loan that existed prior to me purchasing the property. I have provided them with my title insurance " hold harmless letter '' and clarified how the title company says these types of issues are resolved. Seterus refuses to act on the information I provided. Then Seterus hired the attorney XXXX XXXX XXXX that has an in-house title company named " XXXX XXXX XXXX ''. I later find out that XXXX XXXX XXXX is the company that issued the title commitment showing a loan not cleared that previously existed before I purchased the property. Because XXXX is working for Seterus I asked Seterus to communicate with XXXX and send them the hold harmless letter I obtained from my title insurance company to clear this matter. Seterus would not do it, but instead sent me a letter saying my mortgage release is denied because I ca n't clear title. I had clear title when I purchased in XXXX. I had clear title when I refinanced in XXXX. This title mistake that existed only was revealed by Seterus in XXXX XXXX. In XXXX XXXX I sent Seterus the hold harmless letter that should of squashed this. They continued to act as if they were accepting my documents and processing either the short sale or the mortgage release, but never acted to clear the title. Seterus and XXXX denied the contract offer for short sale claiming that not enough was offered. The BPO conducted did not use like kind properties as a comparison as there are no comparable in the XXXX for the neighborhood that would suggest a higher value as the XXXX XXXX XXXX XXXX has not rebounded from the mortgage crises. It is highly disturbing that the attorney XXXX XXXX who is principal in XXXX XXXX XXXX that has sister company XXXX XXXX XXXX XXXX is representing Seterus against me. When XXXX XXXX XXXX XXXX has been given the information to clear the title so that the mortgage release can proceed. Seems to me that they are interested More in making money from the foreclosure than helping me proceed with the mortgage release. It is an unbelievable situation because my title company that I have insurance through " XXXX '' stands behind me on clearing the title ; which is why they quickly issued me the hold harmless letter. But yet Seterus refuses to cooperate sending me a letter that I am responsible for clearing the title ; mortgage release denied.