23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My name is XXXX XXXX and Im paying my mortgage to CMG Mortgage but this company keep reporting to credit bureaus that Im late on my payment each time even i made my payment and seems they dont want me to refinance my house to lower my interest payment and decrease the life of the loan of my mortgage so i can not refinance to other company i had an equity on my house and i never refinance since i bought my house never filed a bankcruptcy but every time they run my credit it shows the late payments and never stop reporting on it so i will be more struggle .I was a victim of identity theft last XXXX to XXXX they break my car windshield stole my bag with my passport credit cards and identification luggages and many items on my car and i even reported that to credit bureaus and report to police department and told them as well to mortgage company as i have to change my bank account and reported cause of this incident i was fixing my credit for this people used my credit card and identification i was in a process of refinancing my house in XXXX XXXX  XXXX XXXX Ca . XXXX but i was always denied cause of this CMG mortgage holding me and keep reporting late payments even i made my payments so i wont go to the different lender and i could be more struggling stay on their company. and the XXXX and XXXX  are still doing it even i reported them that i was a victim of identity theft and submitted a report to them thats not me who is using this and stolen my credit card. pls. help me for i wan na lower my interest payment and get a better rate and decrease the life of the loan of my mortgage. 


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

My XXXX  XXXX acc reporting wrong info the open dates are wrong XXXX XXXX XXXX report says closed the other says paid date late XXXX says XX/XX/XXXX the other says XX/XX/XXXX XXXX XXXX Date open XX/XX/XXXX the other XX/XX/XXXX balance XXXX the other says XXXX past due XXXX the other XXXX last reported XX/XX/XXXX XX/XX/XXXX date last active XX/XX/XXXX the other XX/XX/XXXXXXXX XXXX XXXX  Date open XX/XX/XXXX XX/XX/XXXX high credit XXXX the other say XXXX last reported XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX date last active XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX date of last payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX  Date open XX/XX/XXXX XX/XX/XXXX high credit XXXX the other XXXX credit limit XXXX XXXX last reported XX/XX/XXXX XX/XX/XXXX date last active XX/XX/XXXX XX/XX/XXXX Date of last payment XX/XX/XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding how Zelle handles disputes. Despite many attempts to resolve this issue I was told that it was impossible. Not only did Zelle fail to protect the consumer but it allowed repeat offenders to exploit the system leaving users vulnerable to scams. This is not ok. Ive lost thousands and nobody to be held accountable and this is unacceptable and raises grave concerns about the safety of consumers
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We got a loan modification through XXXX in 2012 with our mortgage company AHMSI, now the mortgage company is XXXX XXXX. We thought we received a principal reduction modification loan it turns out we received a an interest reduction loan with a balloon payment do at the end of the loan. We were tricked. Want to receive what I was promised. That was a principal and interest reduction loan with no balloon payment at the end. We feel like we have been victimized again by our loan company. Can you help us resolve this matter?
Product: Credit reporting, credit repair services, or other personal consumer reports

Reports Erroneous Information Current Creditor refuses to properly investigate and properly remove.
Product: Mortgage

I contacted XXXX for a XXXX we did all the paper work we got approved they sent the XXXX check to church hill mortgage before the check was sent to contacted church for loss mitigation XXXX kept giving us the run around and was denying us. Once they got that check for mortgage relief they hurried rushed us to signing the loss mitigation form and because they rushed us they didnt even take off our liens on our home which is also apart of going thru loss mitigation. ( I have the attachments of them saying they returned XXXX back to the XXXX company that we could've used ) They need to be investigated of all these illegal underhanded things.Contribute sent the check back even the the money was to be used for any reason regarding our mortgage loan. The mortgage relief even tried to contact church hill mortgage to resend the check but church hill mortgage made it darn near impossible to get in touch with. They basically did an wrong loss mitigation because they didnt even take off the liens
Product: Money transfer, virtual currency, or money service

XXXX I initiated a transfer of {$400.00} from my bank account ( Bank of America XXXX to a friend 's account ( XXXX Bank XXXX. 
XX/XX/2021 - Later in the day, he told me that he didn't receive the money because he had closed his account. 
XX/XX/2021 - My friend contacted XXXX bank and they informed that the transaction can not be processed and that I should be contacting Bank of America instead. 
XX/XX/2021 - I filed my initial claim at Bank of America after telling them my problem over phone and they asked me to wait for 45 days. I didn't receive any formal email from them, just my claim number. 
XX/XX/2021 - I contacted Bank of America again and asked about my claim to which they said that my request has been denied. I told them that money has been transferred from my account and it should come back to me or my friend and requested them to file the claim again. 
XX/XX/2021 - A second claim was filed. 
XX/XX/2021 - I visited my nearest Bank of America Branch and spoke to an associate regarding my problem and they asked me to wait for a period of XXXX days as a committee would sit and look into the issue. 
XX/XX/2021 - Till date, I haven't received any information from Bank of America, nor has my friend received from XXXX Bank Please help me recover the lost amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is violating my rights. 

15 U.SC 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions..
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 XXXX Account Name : XXXX XXXX XXXX  Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I graduated in 2005 and have struggled to make my outrageous monthly payments. When contacting Navient regarding my options, none of them were within my ability to pay. I offered several times to make payments that I could afford and was instructed that my loan would go into forbearance until I was able to pay. I was told that I could make payments that were affordable to me, however, the loan would always remain delinquent and the better option would be to put my loan on hold until I can make the full payments that were presented. What I was not aware of, was how much interest would accrue. So as you can imagine, my loan balance has now more than doubled. And Navient is still not working with me in terms of my monthly payments. I am currently unemployed but married. Though my husband is not on the loan, they requested that I send in documentation regarding our taxes, and I believe tried to get me to sign a document to add him as a co-signer. I did not complete this paperwork, as that is deceptive and he is not responsible for this loan. Because of my husbands pay, they are requesting that I make, again, an extremely high payment that I am not able to make.
Product: Checking or savings account

We went into JPMorgan Chase Bank on XX/XX/XXXX to request an account balance and to get temporary checks. We told the branch manager, XXXX XXXX, that we were moving out of state and there were no Chase banks in our new city. We wanted to move the funds to the new bank and that Chase was to close the account after the checks had cleared. XXXX XXXX then walked with us to the teller to instruct the teller that we were moving and we needed temporary checks to move funds and that the account was going to be closed after the checks cleared. 

We received a phone call today XX/XX/XXXX from Chase today, telling us that we had a XXXX balance and there was going to be a fee even though we told several people that the accounts were to be closed. We were even told today that the accounts have now been closed, but are they really? Obviously our communication with Chase is not enough and we need help in this matter.
Product: Credit reporting, credit repair services, 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 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 XXXXXXXX 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 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.
Product: Mortgage

Dear 'Better ' ( XXXX ) Mortgage Company, I see that you have changed my closing date again! You show on my 'overview ' that the close will not happen now until at least XX/XX/XXXX. 

XXXX XXXX told me that my close date of XX/XX/XXXX " WOULD BE NO PROBLEM ''! I 'locked ' for 30 days because " that would be no problem '' she said. 

Better is purposely delaying processing and every day asking for just a little bit more information. So now, guess what, I will need a new lock. What will the new lock rate be? WHATEVER YOU SCAMMERS WANT? WHENEVER THE INTEREST RATES GO UP? FORGET IT! I HAVE BEEN SENDING YOU MORE INFORMATION EVERY DAY FOR THE PAST TWO WEEKS. I AM SICK OF THIS! THIS IS A SCAM! Luckily I am not in need of a new house like other poor people you scam. 

I have never had so much trouble getting a mortgage before - and I have had many in my life. Most banks get the information they need themselves. I'm doing all your work. 

PLEASE EXTEND MY LOCK PERIOD 'UNTIL CLOSE ' OR ADD ANOTHER 30 DAYS TO MY LOCK AND RE-ISSUE MY 'BETTER ' ( XXXX ) LOAN ESTIMATE!!!!!!!!!!!!!!!! 

I am resuming shopping for a mortgage with other banks. Keep your {$550.00} and merry XXXX! 

I will let you know if I decide to NOT accept your loan contract. 

Please send me a copy of your " appraisal '' whenever you look it up on XXXX.
Product: Debt collection

I requested XXXX XXXX 2015 via certified letter that I am disputing the debt and requested original documentation of the debt because they are reporting this negatively on my credit reports. They did n't respond to my letter. I also filed a complain with the XXXX. This is the response from the XXXX : After numerous attempts via telephone and certified mail trying to reach Pinnacle Credit Services LLC, they have chosen not to respond to our requests. We understand this does not resolve your complaint against the company and empathize with your frustration over this issue. We will be closing the case as " unanswered ''. Your complaint will remain in the company 's XXXX XXXX XXXX for 36 months, our standard reporting period. That review is made available to the consuming public, the news media and various regulatory agencies. Your complaint will reflect the lack of response by Pinnacle Credit Services LLC. Your complaint may spare another consumer from having the same experience that you had. If the company contacts you and a resolution is reached, please let us know so our records are current. Thank you for using the XXXX 's services. I have also filed a complaint with the Attorney General of XXXX and XXXX. I am at a loss on what to do next. They should not be able to conduct business in this way when they are consistently not following the FDCPA. This company has an extensive amount of complaints against them and needs to be held liable for their poor practicing tactics.
Product: Checking or savings account

Regarding Wells Fargo Bank. This complaint is in regarding to be what we ( my wife and I ) would consider to be irregular and possibly fraudulent practices by Wells Fargo in the handling and holding of funds to be deposited into two separate business accounts, under two separate names and of different amounts. Both deposits were in excess of {$7000.00} and deposited via mobile banking on XX/XX/. On XX/XX/XXXX  sometime after XXXX XXXX  we had become concerned that the checks did not post to our account. We contacted Wells Fargo and were advised that the issuing bank, in this case XXXX, had placed a hold on the checks citing possible fraud. To make a very long story short the business, which was a title company that issued the checks along with XXXX went out of their way to prove through documentation that not only that no hold was ever placed on the checks but that in fact the checks were posted cleared and the money withdrawn by Wells Fargo. After innumerable phone calls to Wells Fargo and visits to the branch to speak with the branch manager, they continue to protest that a hold was placed on the checks and were not releasing the funds until the hold was cleared - 7 business days. We believe that Wells Fargo, in fact, was the company that placed the hold on the checks, is in receipt of the money, and holding that money for their own purposes with no regard for the financial impact to the small businesses, to entrusted their money to Wells Fargo. This issue is still unresolved at this date and time and we are without any other means or method or recourse to address the issue and now both businesses have negative account balances and are unable to function or provide business services to our clients. Attached are the check images provided by XXXX of the clear checks clearing on XX/XX/. The business is an account names are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In  XXXX   XXXX , I was  XXXX  and in search of new car. I went to   XXXX   XXXX     XXXX  in  XXXX , SC and spoke with a gentleman with the last name of  XXXX . We came to an agreement on the car that I wanted and we were negotiating the price, I filled out an application but told him that I would not give it to him to run until we get the car prize down. He wrote down an offer and took it to his superiors to finalize. His superiors ran my credit and reneged on the offer that they intitally gave and that  XXXX  offered. I left the delearship with no car and about  XXXX  hard inquiries on my credit. He intitally told me that when we come to an agreement and he runs my credit, it would only result in  XXXX  inquiries. I bought the agreed upon car for the agreed upon price in  XXXX   XXXX  at another delearship. I filed complaints about what happened, but no one has been able to help me. I have no recourse to get these hard inquiries off of my credit and  XXXX   XXXX  is probably still doing shady practices to unsuspecting consumers.
Product: Checking or savings account

I am a victim of XXXX XXXX of Debt bondage and would like for all listed accounts, XXXX to be BLOCKED AND DELETED FROM EARLY WARNING Last XXXX of 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: Mortgage

My loan has been sold about 4 times since I first opened it in XX/XX/XXXX. The current company, XXXX XXXX, has claimed I have no hazard insurance, and they threatened to make me pay for additional insurance. This information was transferred when the loan was sold. I also had my insurance company fax the information. Today, XX/XX/XXXX, I got a letter, dated XX/XX/XXXX, that this was my second and final notice regarding hazard insurance. They again said I do not have any. I called and ask why they were sending this. They said they never got any information from the insurance company. I then said the information was faxed. They then said they did get information, but it wasn't sufficient. The obviously lied initially and are now claiming there is not enough information. They told me to send the information again. I told them I would, but asked how I would know it was sufficient this time. They said they wouldn't. I would have to call or ultimately pay the additional fee. They are making it impossible and seems like a scam, to say the least. I don't know what to do. I plan to get a lawyer involved, as this seems highly illegal. Also note : in my 2 months with this company, this is not my first issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit reporting Everything has to be 100 % accurate on my credit report. 

The credit bureaus States my account properly investigated but XXXX is that possible is there The past due balance that the creditor is reporting is incorrect the creditor reported I owed XXXX When I do a breakdown of my Explanation of Calculation of Surplus or Deficiency which I requested from the creditor is a breakdown of what I owe after the car was sold in auction on XX/XX/2022 Which left me a Balance of XXXX The creditor is reported to the credit bureaus this is a violation of my rights and I would like this to be investigated as of XX/XX/2022 its still showing on my credit report on all three bureaus that I owe XXXX this is incorrect when the car was sold to a third-party Also The address listed XXXX XXXX XXXX XXXX Fl XXXX is listed on my XXXX Report as the address linked to this account number XXXX XXXX Account number XXXX when I do a thorough investigation on my three credit report I see that this account is not linked to any address on my XXXX XXXX XXXX account number XXXX But when I look through transunion XXXX XXXX XXXX XXXX Fl XXXX is linked to this address which mean everything on or three credit bureaus is not accurate I would like you to do an investigation on all three bureaus on the address link into the account number XXXX and to make sure that all addresses are matched and linked to this account accurate. This ground for removal they also violated my rights under 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. 2 : it States A customer reporting agency can not furnish A account without my written instructions Also the credit bureaus took more than 30 days to complete my investigation in the night give me a tracking number which is in direct violation
Product: Consumer Loan

A repo guy was sent to my house for a car the repo man called me a XXXX, a XXXX, XXXX! I tapped on his truck to tell him he needed to leave due to him being rude to me. When i did that he opened up his truck door and jumped at me and said XXXX i should XXXX! I told him to leave or im calling the law. He told me he will watch me every where i go.i would have given him the car until he started calling me names and jumped at me as he was going to jump on me. This is concedered breach of peace. The car broke down XXXX weeks after i bought. it. The engine has locked up in it. The cost of a new engine will be {$3900.00}. I have been unable to work due to this problem and my husband is XXXX. The guy told me i was lazy which is not true. I would love to go to work if i had a running car.
Product: Checking or savings account

On XX/XX/22 I tried to access {$200.00} to finish paying my rent. I have been charge three {$35.00} fees & three {$2.00} fees as I had to use another ATM. Because I am not able to get the remainder of the money, I will be late on rent, & may become XXXX.
Product: Consumer Loan

I am 3/4 of a month behind and GM Financial is calling me about 4 times a day ... all different times. I have the info stored on my phone. They are calling me while I 'm at work and can not answer. They are blowing up my phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Carmax Auto Finance # XXXX is reporting a late and is on my credit incorrectly. The car was totaled and the insurance as well as the extended insurance/warranty was supposed to cover this but they are making me pay the remainder. I should not have to and this account has a late in XX/XX/2019 that I should NOT have. I shouldn't even be paying for this let alone have a late on it.