23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The Whole process buying my house was horrible, I was treat really bad and the numbers were confuse from the beginning to the end, plus a lot of blank addendum pages, ( no signed for me ), never either I got a decent closing Packet documents.

One year passed.

I made some improvement to the house. 
plus the house per appraisal had a higher value at closing time. Sold {$210000.00} and the appraisal was {$220000.00}. The balance now XXXX  XXXX. 
plus I have a lot of byer right now they are offering me {$300000.00} for the house as it is. The only thing that I want The PMI off. I am a single mother in need to reduce the monthly payment I called the mortgage with question about the PMI company, I was told Caliber Home Loan, I said Why? is that correct? that the seller and the PMI company be the same. Contract under my name and Caliber Home Loan.
then I was told that I had a XXXX XXXX Mortgage, I said no, My house was a bank owned house, I bough to Caliber Home Loan. ( there is long sad history about my process buying a house, that I want to share with you because I want others learn from my experience but I will send a letter later to you ) about the seller they say I have Freddy Mae mortgage and I do not know anything about Freddy mortgages and no documents showing that information.

I request documents/information about the PMI being removed from my mortgage and they sent it to me looking good and fair. 
But then immediately to that I receive a Shortage letter asking me for {$3300.00} for the taxes last year. I called them and they told me was the insurance and the taxes, the Home insurance no possible I paid in advance a whole year payment {$800.00} at closing time plus I have been doing payments every month for a whole year no possible ( I have the documents from the Insurance company with same amount for XX/XX/XXXX until XX/XX/XXXX ), finally is related to the taxes from last year XX/XX/XXXX. 
Taxes for the house Year XX/XX/XXXX {$100000.00} XX/XX/XXXX I am not sure about how much was it. ( I did receive a notice from the XXXX county when a proposed amount for XX/XX/XXXX between {$3000.00} and {$3200.00}, nobody understand why the taxes went up more than 50 % for the house, I do not have even a middle school close for my son, all are far away form the house. 
I paid in advance {$700.00} for 7 months at closing time and I paid 8 months from XX/XX/XXXX to XX/XX/XXXX.  I can not be short for that amount. I did request an Escrow account disclosure per month from the first day. I did request a mortgage documents. I waiting for them right now. 
CALIBER HOME LOANS. account number XXXX. Loan XXXX Sellers : Caliber Home Loans XXXX XXXX XXXX XXXX, as Trustee for XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I had had a lot of incidents from I moved " XXXX XXXX XXXX XXXX XXXX Fl. XXXX at XX/XX/XXXX but no prove to say that somebody was getting in like I suspect. 
Again I want to share my horrible experience with others nobody deserve that when buying less a house. 
please let me know if you need something else. thanks in advance and have a wonderful day.
Product: Debt collection

I declare under penlaty of perjury that the foregoing is true and correct to the best of my knowledge. I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable as perjury under 18 U.S.C 1621. This collection appeared on my credit report are not and never related to any transaction that I made I am alleging that a person or company without authorization used my personal information to apply for goods, services or money and was successful in creating some accounts all is being investigated by the FTC.
Product: Checking or savings account

XXXX Checking account charged {$590.00}. 

XXXX I reported fraud to Simple Bank who locked and sent Wife a new debit card. 

XXXX Simple Bank contacted about case for {$590.00} was closed and the charged dropped off account. 

XXXX Wife replied to Simple Bank stating that the charge was for {$590.00} rather than {$590.00} XXXX Simple Bank contacted Wife and I via support message and said charge force posted after falling off. Said the dispute team would reach out via support message with any additional updates. 

XXXX I called Simple for update but was told that it was being looked into. I asked about XXXX 0 % liability guarantee but was Simple Bank rep said I was going to have to wait for investigation. I asked for a phone number to contact the fraud investigation department but was told support message was the only way to contact. Account is still missing {$590.00} which I am supposed to not be liable for.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

explained I was on SSI XXXX and could no longer pay the balance and cancelled my credit cards. I was down to one income after my partner passed away XX/XX/2016. 
Calls have been more and more frequent There have been other phone calls constantly. 
XXXX XXXX XXXX XXXX XXXX XXXX. many others. 

Can this company take my Social Security Retirement? It's the same amount as my SSI XXXX. I need this to live on. 

Thanks
Product: Credit reporting or other personal consumer reports

In XXXX of this year my XXXX shows XXXX missed payments and a XXXX balance. On my Experian and XXXX its reporting something different. Ive requested original copies of the debt and if you can not produce the documentation or rectify the inaccuracies, then remove from my profile. This misinformation has costed me thousands of dollars over time in high interest. I feel that because Im an XXXX XXXX, they have manipulated the situation to their advantage by not doing what right in fixing their errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a whole car and credit card on my credit and i never had credit. Please help this be removed from my credit report, Its not mines. please remove it
Product: Credit reporting, credit repair services, or other personal consumer reports

CB Indigo reports a debt of {$710.00} I submitted a debt validation to company on XXXX  received a letter back on XX/XX/ stating they were not able to locate an account.
Product: Checking or savings account

I filed a regE dispute for transaction that happened on XX/XX/20 in the amount of {$58.00}. I had a product described to me as top of the line having all these features. The company called while I was in the hospital and described it to me over the phone it was for a nebulizer and at that time I gave them my card number. I never saw anything from the company or anything that before purchase I had to go off the person 's word because of being in the hospital. When I got it and saw that it was the cheapest model that is out there sold on XXXX and other medical equipment companies everywhere for {$20.00} I contacted the company they refused to price adjust, then I said I want to return it they refused to return it, wouldn't let me talk to a manager. Now Truist Bank is saying it's not a reg-e dispute and I don't see how this is not I gave my card number over the phone for a product they described that had features that they talked about that this product that I received is not it basically fraud by deception. I'm feeling this complaint because I know regulation e I was in banking for 20 years and I don't understand why Truist Bank says this doesn't fall under it.
Product: Debt collection

I opened a XXXX account in XX/XX/XXXX, I paid the full amount in XX/XX/XXXX. The account was close and Monterey reopened the account on XX/XX/XXXX. There was no actual contract and the amount was paid in full for {$1000.00} now it stated that I owed {$3000.00}. False information and amount. Im no longer reliable for this debt.
Product: Checking or savings account

On or around XXXX XX/XX/XXXX - I opened the Wells Fargo Everyday checking account with a promotion. Promotion stated that 1 ) Open an account with {$25.00} or more by XXXX XX/XX/XXXX XXXX ) Within 90 days has a direct deposit of {$1000.00} or more. 
Once these condition are met then {$300.00} will be deposited after 30 days period ( once 90 days period is over ) Called Wells Fargo one month to check on this cash back. I was told that 30 days period is not over. I called again today at around XXXX XXXX  central time and talked to XXXX. She put me on a long hold then asked me I am ineligible as I got cash back during XX/XX/XXXX. I said that is more than 12 months back and as per the terms and conditions I should get {$300.00} cash back promotion. 
She said she can't tell me everything on the phone and asked me to visit the branch. I can figure out from body language and tone that XXXX is not willing to do any further home work and sending me from post to pillar.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
PREVIOUS ADDRESS : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Optum Temporary Funding Assistance discriminated against me for a medical condition that did not affect my ability to repay the loan and engaged engaged in a company wide coordinated effort to cover up their actions with lies and further discrimination against me. I have it on good authority that they may have engage in these discriminatory actions against me based on a false tip from one of my direct competitors. Optum Temporary Funding Assistance had violated every single one of my consumer and contractual rights and had demonstrated a blatant disregard for the law even verbally stating to me that they will not honor nor follow these laws. At this Juncture of time they have not responded to any of my affidavits as required by law including FOIA request, request for all the factors concidered againt me in the denial, request for payments of contracts fulfilled. 
All Rights Reserved UCC 1-308
Product: Debt collection

This complaint is lodge against Wells Fargo for refusing to review the file that was submitted by XXXX XXXX XXXX  that i have retained to represent me regarding home modification, Wells Fargo intentionally denied, obstructed, and mislead pertaining to modification application that was submitted, i was informed by XXXX XXXX XXXX that Wells Fargo will not review the modification file nor stop foreclosure sale because its less then thirty-seven days from foreclosure sale which is XXXX XXXX, myself and the law Firm attempted to reach out to executive department without any recourse, This modification was initiated resulting from hardship from Auto collision on XXXX XXXX, please see attachments regarding chronological events ... ..since the beginning we have been trying to save our home from foreclosure since XXXX, I have lost significant time on my job because of my wife 's auto accident, that resulted in lost mortgage payments and falling severely behind we have been trying to get modification for three years. Wells Fargo appears to be driven to put a family out on the streets, i ask this noble institution to rescind foreclosure sale and modification to proceed.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$39000.00}.
Product: Debt collection

The following message XXXX XXXX XXXX has flagged your account as Collections. appeared within my experian report on XX/XX/XXXX. However, I am not familiar with XXXX XXXXXXXX XXXX nor do I have any debts to be collected. Furthermore, I am requesting a credit boosts and reassessment from Experian and other credits companies as my score has been affected tremendously and is continuing to lower despite on time payments towards accounts owned by me. Furthermore, I have never possessed a XXXXXXXX XXXX  and find it unfair that XXXX XXXX XXXX has been affecting my credit score despite me never having a XXXX XXXXXXXX card and being able to support this statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the XXXX  XXXX  app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report XXXX  XXXX {$4300.00} XXXX  XXXX XXXX {$1800.00} XXXX  XXXX {$3000.00} XXXX  XXXX XXXX {$11000.00}
Product: Mortgage

The lender, XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX and a direct affiliate of Guild Mortgage ) in XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ] promised that the loan would close by XX/XX/XXXX. Not only did it not close before XX/XX/XXXX, the lenders ( XXXX & XXXX XXXX, branch manager/operator ) took a two-week vacation to XXXX and no one from the office worked on the loan packet during their absence. The lender was also incredibly unresponsive to the buyer 's agent, not being available or returning calls or emails in a prompt manner. By the time the lender returned to the office, it would be the XXXX or XXXX before closing could occur. Now the closing date is expected to be the XXXX, but ( again ) the lender has not responded to the buyer 's agent with their request for information pertaining to a set-in-stone closing date as well as final estimate for closing costs ( likely a TILA violation ). The seller has had to complete multiple amendments as they have a contingency to close on another property in another state. Because of XXXX XXXX XXXX 's failures and incompetence, both the buyer and seller are now paying out of pocket for short-term living, costing each upwards of {$1000.00} and rising.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please delete and remove these accounts on my report, theyre hurting of my ability to obtain credit. 

Account Name -XXXX Account number - XXXX Amount- {$3500.00} Account Name -XXXX Account number - XXXX Amount- {$820.00} Account Name -XXXX Account number - XXXX Amount- {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states a Reporting agency can not furnish a Account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I am in the process of getting my family our very own home ( 1st time homeowner ) On XXXX XXXX, XX/XX/XXXXI was shocked to recieve alerts of 2 collections accounts from National Recovery Agency in XXXX, PA. I never received a dunning letter from this agency prior to them reporting me to the credit bureaus. I called National Recovery Agency ( NRA ) and advised them this wasnt my debt and asked them for a debt validation letter. I was told this would take 4-6 weeks to send me this letter. NRA also said the original debt is from a hospital in XXXX, 6 years ago. I do not believe I owe this debt and the methods of which I have tried to get validation have not proved I owe this debt. 

I had no warning, no bill from what so ever. I have been working on my credit for the past two years making sure I paid everything off. This was a huge peek-a-boo hit to my credit profile, without ever getting a bill. To make matters worse, NSA reported two separate collections accounts at one time. This has dropped my FICO score by XXXX points. Any help would be greatly appreciated. -Thx XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, FL. XXXX Last 4 SSN : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate late payment information that continues to appear on my credit report. Despite my previous dispute, the following accounts are still reporting late payments that I believe to be incorrect. I am requesting a thorough re-investigation of these items under the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, credit reporting agencies are required to report accurate information.

Specifically, section 611 ( 15 U.S.C. 1681i ) mandates that credit bureaus conduct a reasonable investigation of disputed information. Your failure to correct these inaccuracies after my initial dispute suggests non-compliance with this section of the FCRA.
Product: Credit card

I have asked Capital One to cancel a credit card I had with them months ago. They still will not close out the card.
Product: Debt collection

The company calls my parents about my debt and they are not involved at all in this situation. I do not live with my parents and they should not be calling my parents at all about this.
Product: Mortgage

I received a letter from Specialized Loan Servicing related to an order by Consumer Financial Protection Bureau requiring compensation for a delayed evaluation between the periods of XX/XX/XXXX and XX/XX/XXXX. They sent a check for {$70.00} as redress for the delay. I deposited the check in my account, and the check bounced. I was charged an additional {$12.00} for the check being returned unpaid. I am attaching all the documentation.
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. 
Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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

I looked at my Experian credit report on XX/XX/2024 and notice some things are incomplete and not accurate and accounting to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the induvial about whom the report relates to according 15 U.S.C 1681c. ( e ) ( b ) 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.