23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage and equity loan have numerous issues that are detailed in an attachment. My mortgage loan has been sent to a foreclosure attorney of Bank of America. I have requested verification of the debt and have received no response.
Product: Mortgage

I have tried to get insurance on my home with Well Fargo Bank for two years and was unable to continue with the insurance companies that I had insurance with for 7 years, which was XXXX XXXX and XXXX XXXX They insured me for about two or three months and once the bank send them the funds out of my escrow account and send the rest back to me. I let the bank knew what happen and they told me they will charge me XXXX a year if they would have to insure it, so I looked and every one told me they could not insure me because the roof was over a certain age it is a risk. I just received a insurance policy from XXXX insurance for XXXX last week. Wells Fargo send me a bill last month for XXXX for my mortgage. My mortgage payment was XXXX until they changed it to XXXX then when I called to tell them I can't afford than and they changed it to XXXX which is illegal the way they did it for last year and this year for XXXX which left me with a balance for XXXX plus. I did not get any proof of insurance from them! seems like this is not truth in lending, this is fraud!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dating back to XX/XX/2022, multiple inquires are on my credit report from sources i never applied to/ through. I am unable to contact these companies to get these inquiries removed, and the 3 major credit reporting agencies has requested a fraud letter. No loan was taken from most of these inquires it appears like. Totaling XXXX inquires dating back to XX/XX/2022 XXXX XXXX  XXXX  XX/XX/2022 XXXX XX/XX/2022 ( this appears XXXX  times for XXXX ) XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX  XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX  XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, account which were involved with the XXXX & a copy of a completed & submitted FTC XXXX XXXX report. Im complying with the letter of the law & what youre required to have to honor my 605B request. This account need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. XXXX XXXX XXXX.
Product: Debt collection

XX/XX/XXXX  I disputed account with XXXX asking to verify or delete account immediately as I do not recall having account open. It's been over 60 days and I have not received verification documents. I have been fraudulently contacted by unauthorized credit collection companies in the past that now I ask full verification on all debts that I do not recall.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting to you to correct the inaccurate information on my credit file that are previously reported. I appreciate you in taking time to investigate this issue and for that I want some inaccurate information to be corrected as soon as possible. Based on FCRA, it was there responsibility to make actions regarding this matter. This inaccurate account should be corrected immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have at great length described the trouble I have experienced since 2008 with my modification applications for my home, a negative arm XXXX loan which has ballooned out of proportion during my applications. 
I did file a complaint against XXXX. But in the mean time, my loan was sold to SPS, a new company which continues to press me with modification applications even though no such application can be successful unless XXXX -- and the investor XXXX -- consider the numerous mistakes that were made during the modification process and then look for a solution. While reviews are under way, SPS continue to press me for documents, for filled out application forms, and threatening foreclosure on my home.
Product: Credit reporting or other personal consumer reports

am writing to dispute multiple " paid in full '' accounts on my credit report as I understand it, these accounts should not negatively impact my credit since it has been fully paid. As part of the agreement these paid items were agreed to be removed as paid in full. 
I'd like to bring your attention to the case XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), where the court held that credit reporting agencies must avoid reporting information in a manner that creates a materially misleading impression. Reporting a " paid in full '' account as negative or derogatory creates such a misleading impression about my creditworthiness. Due to this XXXX has also broken 15 U.S. Code 1681n - Civil liability for willful noncompliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Tranunion a certified letter dated XX/XX/XXXX about an account with XXXX XXXX. I received notice stating that it was verified as accurate. 

I sent another letter dated XX/XX/XXXX requesting their method of verification, however, I did not receive their method of verification, but continue to report the account on my report. They also had 15 days to provide me with their method of verification. 

I contacted XXXX XXXX on XX/XX/XXXX at XXXX XXXX XXXX, spoke to a Representative named XXXX, and he stated that he could not find any account after I provided him with my social security number, my date of birth, and my address.
Product: Mortgage

I work for a mortgage company. I have approved buyers to make offers and eventually buy and close on a home. They have made offers on a new house with a builder. This builder ( And others in the area ) are known to give incentives to buyers for using their lenders. Now, they are saying they will not even accept an offer unless the buyers use their preferred lender. This has to be discrimination?! And illegal. I have attached photos of text from the builder 's rep on XX/XX/22.
Product: Credit reporting or other personal consumer reports

I am a victim of Identity theft and XXXX XXXX and would like for all listed accounts to be deleted from Transunion LLC. XXXX, XX/XX/year>, XXXX XXXX.
Product: Debt collection

I have been referred to an agency because of a mistake a business made on a purchase. They refunded me ( in their opinion too much ) when I was overcharged for some floor tile. I have no credit account with company- they are trying to collect money not owed. Since I would not pay what they say I owed XXXX dollars- I was referred to a very aggressive collector. The collector not only wants the XXXX but a service charge for their service. They are contacting me at work after I told them the number is for work only. I told them I was collecting info to pass along to you and they continue to harrass me. 

They have called multiple times- attached is one attempt at collecton. 

XXXX if you see this and is anything other than a stealing your living in a fantasy world young man this is XXXX calling once again from asset collections Inc. we are the collection agency for XXXX XXXX XXXX XXXX XXXX ___ when you take something and you're supposed to pay for it and you don't it's called dealing young man you need to step up here and hold yourself accountable __ the best you can do in the way of making restitution to your victim being at XXXX pound stone if the best you can do to make restitution _______ __ ____ monthly payments then that's what you do what you don't do it you don't hide behind your voicemail OK my number here is XXXX extension XXXX XXXX it's not OK to steal from people you know that I'm guessing this is a result of the running into some cash flow problems with that's OK cause you can make restitution give me a call back and let 's get you set up on a monthly payment so you can get this thing paid and behind you telephone number is XXXX extension XXXX and by the way I invite you to speak with my supervisor here he's also happens to be the owner of this company his name is XXXX XXXX at the same telephone number at extension XXXX again my number is XXXX extension XXXX and it's XXXX asset collections case number here for you was XXXX and I will expect a return call promptly XXXX Please help me with them. This is a nightmare XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ran my reports on XX/XX/23 to verify if the information I requested be corrected was in fact corrected. It was not. The account ( see attached ) remains in error. My request to the company was simple yet they did not correct the information as requested. The credit bureaus will not keep updated information nor do they care. You pay them, I don't, therefore they don't care what happens on my reports. 

You're responsible for keeping accurate records 100 % of the time, the bureaus could care less but I care! These errors are affecting my credit scores in a very negative manner!
Product: Vehicle loan or lease

Chase Auto Account # XXXX XXXX & XXXX reporting issues. It is well documented that I have tried contacting Chase numerous times to find out how to set up autopay. My intention is to pay my automobile payment biweekly which could potentially save me years of payments. When I have called Ive been told I can do this online. I was clear I wanted to do this biweekly and not monthly as no interest is saved. I have always had to speak to representives from another country with language barriers. They say rest assured XXXX I will get you the steps to accomplish this. I have never been successful at doing this as Chase online will only allow you to set up one payment. With my busy schedule I just dont have the capacity to monitor and pay the additional payment. One half of my monthly payment has been paid automactically while I struggle to find ways to set up the other payment. I was notified that I was reported negatively to the credit bureau. When I spoke to a manager who was very knowlegable about the automatic payment options he advised me for the first time I can not set up two auto payments. I would have to go directly through my banks bill pay service. He put in a request to waive the negative reporting but it was denied. They are perfectly okay giving out incorrect information to consumers regarding payment options that are inpossible to achieve. I would not have been late if I could have actually set this up. I have reached out to the executive offices at Chase after numerous calls. I was told he can not reach you and the claim is closed. They have not updated the negative reporting that has cost me a 70 score drop. The need to take accountabity for not training employees properly on available payment options. Instead they are not. The first time I was given correct information by Chase on my actual payment options was on
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was used without my authorization and or knowledge to open an Auto loan with XXXX XXXX XXXX XXXX. These accounts were open fraudulently. I have tried to contact the bank and resolve this account but have been unsuccessful.
Product: Mortgage

I am appylying for a mortgage refinance with my existing mortgage lender - Wells Fargo Bank about 2 months ago. 
I was initially asked to pay {$540.00} for a full appraisal which i did pay, however during the loan processing i was advised that a rapid appraisal for {$80.00} will suffice. 
I asked the bank to refund the difference to my credit card but they insisted that the difference will be applied to reduce my loan balance. I have escalated their decision stating this is a fraud and forceful extortion of funds from me. My loan is in and has always been in good standing and i am shocked by this financial malpractice and now i am part of the victims impacted by the unprofessional customer experience of Wells Fargo which has led to many law suits against the bank. I will not hesitate to join in a legal complaints against the bank. 

I need the difference between the excess funds i paid and the actual amount i.e {$460.00} refunded to my credit card account and NOT applied to mortgage account. 

Appreciate your prompt resolution.. 

Thank you.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX  hard inquiry on my credit report without my knowledge remove immediately. 


XX/XX/year> XXXX XXXX open credit card with hard inquiry from the credit card, on my credit report without my knowledge I would like to get the account removed off my credit report and the hard inquiry removed immediately. 

UNDER 15 USC 1681
Product: Mortgage

REQUESTING EVIDENCE OF ENTITLEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl. XXXXXXXX XXXX XX/XX/XXXX SHELLPOINT MORTGAGE SERVICING, ADIVISION OF NEWREZ XXXX XXXX XXXX XXXX, SC XXXX Subject : Demand for Proof of Claim Regarding Mortgage on XXXX XXXX XXXX XXXX, XXXX Fl. XXXX, Account No. XXXX Dear Shellpoint Mortgage Servicing, I XXXX XXXX am writing to you, hereinafter referred to as " the Mortgagor, '' concerning the property located at XXXX XXXX XXXX XXXX, XXXX Fl. XXXX, associated with account number XXXX. Your agency under XXXX XXXX XXXX XXXX XXXX XXXX CASE NO. : XXXX has initiated actions to collect and possibly foreclose the aforementioned property without providing adequate proof of your legal entitlement to do so. 

Under the principles established in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ), the U.S. Supreme Court held that the note and the mortgage are inseparable ; the former as essential, the latter as an incident. Without the note, a mortgage foreclosure proceeding is baseless. Furthermore, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, underlines the necessity for clear evidence demonstrating the chain of title and the rightful ownership of the note and mortgage at the time of foreclosure. 

Given these precedents, we hereby demand that your agency provide the following documents forthwith : Certified Copy of the Original Mortgage Agreement : Including the Mortgagor 's signature, as proof of the debt and the terms agreed upon. 

Assignment Documentation : Clear and unambiguous  evidence of the lawful assignment of the mortgage to your agency, including any deeds of assignment and notices of assignment compliant with the Uniform Commercial Code ( UCC ), Article 9. 

Proof of Ownership of the Debt : Documentation that clearly shows your agency as the current holder of the debt and, therefore, entitled to enforce the mortgage against the Mortgagor. 

Your failure to respond satisfactorily to this request within XXXX ( XXXX ) days will leave us no choice but to consider your claims as baseless and potentially fraudulent. We are prepared to take all necessary legal action to protect the Mortgagor 's rights and interests, including but not limited to, filing a complaint for damages due to any unlawful collection and foreclosure practices you engage in. 

We expect your cooperation in this matter and look forward to your prompt compliance. All communications should be directed to the undersigned at the address provided above. 


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

ORIGINAL CASE XXXX WHY IS THIS STILL ON MY CREDIT REPORT. THIS ACCOUNT HAS BEEN CLOSED SINCE XXXX. AGAIN I ASK WHY IS XXXX & EQUIFAX ENTERING REMARKS ON AN ARCHIVED ACCOUNT. DO NOT MAIL ME YOUR FINDINGS. I WANT EMAIL ONLY AND YOUR RESULTS OF THE INVESTIGATION UPLOADED ON THE CFPB. I TRIED DISPUTING DIRECTLY ON EQUIFAX AND WOULD NOT LET ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$680.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$660.00XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX OF XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX According to FCRA XXXX XXXX ( XXXX ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Purchased a used vehicle and financed through Credit Acceptance. In 2016 the vehicle was flooded in Hurricane Harvey. The vehicle was towed out of the water after sitting in the water a whole day. It was sent to XXXX XXXX XXXX for inspection. They pulled the wet carpet out the vehicle and broke it down for inspection. It took my insurance company 6 months to finally get to the car and they denied it stating that there was no sign of water in the car. Well if a car sits out 6 months I'm sure that is plenty of time for it to dry. From all the water lines and mold in the vehicle there was no way I was letting it go. I filed an appeal and that took months. When we went finally to chexk on the car it was gone and XXXX XXXX XXXX could not explain nor could Credit Acceptance tell me where the car was. I have tried to resolve this matter and they have yet to respond or communicate anything concerning the vehicle. I don't know if it has been sold, crushed, sent to auction or just plain destroyed. Statue of limitations and far exceeded their ability to collect and they still have this on my credit when they know the car was flooded and I have not seen it since it was picked up.
Product: Money transfer, virtual currency, or money service

I am filing a claim regarding unauthorized transactions that occurred through Zelle, which I did not approve. In 2024 I noticed unauthorized charges made from my account using Zelle. I immediately contacted Zelle but they failed to reverse the transactions or provide a satisfactory resolution. I didnt receive any feedback and dont even know if it went through.I believe that Zelles lack of effective fraud prevention measures or prompt customer service has caused me financial harm. 

I am requesting {$2000.00} for the unauthorized transactions, any associated fees, and compensation for the inconvenience caused.
Product: Student loan

Just wanted to share a story- I have a private loan with American Education Services from way back in XXXX. In the last 10 years of consistent repayment, I have now paid {$7200.00} on a {$6200.00} loan. According to AES, I still owe {$6200.00} - which is more than my original loan even was. How is this remotely right? They've got their money back plus {$1000.00} - are there advocates for student borrowers like me?
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$10000.00}.
Product: Checking or savings account

Whenever I rent a car or hotel Chime Bank doesn't put back into my account the money taken out for security deposits. They have been doing it all year in two different accounts and are refusing to discuss the matter or provide any way to resolve the issue with dispute or even simply email. They won't answer questions about them changing the statements and accounting errors thet just lie and play games they have stolen from me over {$5000.00}. I have been trying for three weeks to speak to someone and they won't allow it.

They will lie and say the funds were released or act as if the funds are bit actually cash but those are lies they have told me as well. Ask them in that event to show you the deposit hold release and the amount of the balance after it. They have not shown me any documentation showing they gave out a XXXX  back if these holds with two exceptions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I regret that I could not find anything in the above problem checklists that applied to the following problem. I hope you can accept this complaint, however, and forward it to the appropriate dept. 

My credit rating going into XXXX of this year was XXXX, a level reached after many years of gradual improvement. 
During XXXX, in an effort to improve my score even more, I made an extra payment on every account, paid off several completely, and took no other action that could possibly prevent a further increase ( no new or cancelled credit cards, no increases in credit, no new accounts, etc. ) In XXXX, my credit rating was nevertheless REDUCED to XXXX!!! 
In the past, whenever I complained to the credit agencies ( XXXX, XXXX, and Transunion ) about an inexplicable reduction, the only response was unintelligible generalized boilerplate or a voluminous printout of my past credit accounts ; but neither clarified the reason for the downgrade - and repeated followups yielded exactly the same useless response. 
Your assistance will be deeply appreciated ... ... ... ... ... ... ... ... ... ... .. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter to the credit bureau about inaccuracies on my credit report. I have yet to receive a response after more than 30 days. I feel as if I'm being taken advantage of and that my complaints are being ignored. It is clearly stated in Section 611 ( a ) that failing to examine these matters within 30 days gives a basis to remove those items from my credit report immediately ; it has been 30 days without a response, and they should be erased as soon as possible. I demand that these accounts be deleted immediately, or I will initiate a lawsuit to compensate me for the stress you have caused me. In addition, the XXXX data breach exposed my personal information, which may have ended up in the hands of the wrong person.