23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been going through the origination process since XXXX with XXXX. I have not got any where closer to closing. I have been asked for documents multiple times that were provided. I was lied to by Quicken by them stating my XXXX was not responsive and my XXXX provided me documentation showing they provided them what was asked. I had to get a new credit report because they let the past one expired. I have sent multiple messages and only received a few responses ... all 10 or more days later. I have no transparency into the mortgage. I am being charged fees for work they are not even earning. This is the worst experience I have ever had. I received a call weeks ago from a " XXXX XXXX '' and he apologized. He said I would be " closing within a week ''. That was three weeks ago! We are not any where near closing. I haven't received a closing estimate updated. I asked for origination fee waivers or concessions. They said " your loan is too low to do that ''. They obviously do not care about customer service.
Product: Credit reporting or other personal consumer reports

I CHECKED MY CREDIT REPORT AND I FOUND TWO HARD INQUIRIES THAT I DO NOT AUTHORIZED. 

XX/XX/XXXX
Product: Mortgage

On XX/XX/22, I reached out to this bank 's escrow department in order to find out the necessary procedures for removing private mortgage insurance ( PMI ) based on the " current value '' of the home ( appraisal ). I did not receive a response from them for months and had to follow-up on XX/XX/22. They finally responded on XX/XX/22 and provided a very vague answer ( " But to answer your question yes if you XXXX falls under 80 % you cancel PMI insurance at anytime if all other requirements made by your investor are met as well. '' ) I've asked them several times to provide their " other requirements '' in order to ensure that my account is eligible for having PMI removed but they have not provided this information and mostly have been ignoring my requests. They also advised that they would send an appraisal consent form, which I am yet to receive as well.
Product: Credit reporting or other personal consumer reports

On [ XX/XX/XXXX ], I contacted LEXIS-NEXIS to request an update on the status of the dispute I mailed in earlier this month [ XX/XX/XXXX ] regarding incorrect email addresses, outdated mailing addresses, and auto claims on my report. When I spoke with the agent, I informed him of my request, and he proceeded to verify my identity by asking the standard list of questions about my personal information. Unfortunately, my verification failed, as it has consistently since last year. As a result, I was asked to provide my picture ID, which I have done previously and didnt mind doing. In the past, when I provided my ID, the agent was able to view it immediately and then assist me with any questions or proceed with a verbal dispute. However, this time, the agent explained that the system was the reason my verification was failing and, when I requested escalation or a review, he told me there was nothing to escalate or review because it was an issue with the system. Additionally, I was told that I would need to wait 24 hours for the system to review my ID before I could call back for assistance due to a recent system update. As a result, I was unable to receive any help or assistance with the dispute I mailed in earlier this month.

It is important to note that LEXIS-NEXIS is a major supplier of consumer data used by a variety of financial institutions and companies. This data, which includes information about consumers financial history, addresses, and auto claims, is relied upon by lenders, insurance companies, and other entities to determine the interest rates and premiums charged to consumers. As such, any inaccuracies or delays in resolving disputes regarding this data can have significant financial consequences, including increased interest rates and higher auto insurance premiums. The ongoing issues with verifying my identity and the failure to correct the inaccuracies on my report have resulted in financial hardship, and I believe this underscores the importance of accurate and timely resolution of disputes to avoid unfair financial burdens on consumers.
Product: Mortgage

On XXXX XXXX I contacted XXXX XXXX regarding an increase in my auto insurance coverage because I no longer had property insurance through XXXX  and effectively lost the discounts that I had been receiving. I learned that my property coverage in the amount of {$1800.00} was cancelled and my policy could not be reinstated, and new policy coverage would cost {$2900.00} due to rate increases in Texas. 
I contacted my mortgage company Loancare XXXX XXXX XXXX # XXXX ) to inform them that my property insurance hadn't been paid although I had been paying my mortgage in full every month to include my mortgage, taxes and insurance. My mortgage was transferred to Loancare/XXXX  in XX/XX/XXXX and my previous mortgage company escrowed my property insurance payments. The Loancare/XXXX  employee XXXX stated that there was a not on my account stating that an escrow account for insurance wasn't required. XXXX said that she was escalating my complaint and the error would be remedied and an escrow account would be setup by Friday, XX/XX/XXXX. 
I contacted Loancare/XXXX  on Friday, XX/XX/XXXX and was passed around to several employees, each not seeming to be aware of my issue and each were uninterested in helping me to resolve their error. After remaining on the phone with Loancare/XXXX for XXXX hours, I received a follow up email that my case had been escalated and assigned to a Case Manager and to allow additional time to research my concerns. My case id number is XXXX XXXX XXXX. 
This morning, I contacted XXXX XXXX again hoping to reestablish property insurance so that my home does not continue to be uninsured. During this phone call I learned that the rates have increased once again and the new premium is {$3600.00} which is 200 % increase in the amount that I was paying before Loancare/XXXX  failed to escrow and pay my property insurance. 

This error has placed an unfair financial burden on me and my family. This error increases my monthly mortgage payment by more than {$300.00}. I believe that it is unfair for me, as the consumer, to have to pay for the error of Loancare/XXXX employees . As a mortgage holder, I have paid my mortgage on time every month and trusted that my mortgage company appropriately escrowed and paid my property insurance and property taxes. I need assistance in working with my mortgage company and insurance company to resolve this issue without being penalized and placed in financial jeopardy for an error that I did not make.
Product: Credit reporting or other personal consumer reports

Improper and inaccurate information on my Credit Report, from Equal Fax that in includes. False information from XXXX XXXX, that was Prepaid in full by where of ALL ACCOUNTS are Prepaid see. Title 31 section 3132 Payment of the public interest on the public debt. see title 31 section 3130. Title 18 section 8 Obligation or other security of the Unites States, more importantly see Title 31 section 3124 of the United States Exemption from Taxation. XXXX  is harassing causing Irreparable harm and trying to extort me of an amount of XXXX where it is paid to the Bearer in full whereas by Law they must Accept for Value and return the debt instruments legal tender of the United States which in the UCC 3-306 / UCC 1-304 / UCC 3- 306 without prejudice and recourse 1-308. This is EVIDENCE OF DISHONOR. again, XXXX  ( violation of 15 U.S.C 1692b ( 2 ) ) a state i do not live in and is Tring to collect a DEBT of XXXX that's prepaid in full XXXX # XXXX, that was ( XXXX ). Also XXXX XXXX XXXX  balance was paid in full XXXX # XXXX XXXX XXXX XXXX, These accounts was paid off ( XXXX ) to the XXXX either by, insurance or. using my social security card trust fund account without my permission filing a 1099a allegedly. Wherefore Equax Fax use this fraud information to lower my credit score wantonly, and deliberately. Some of or all of these company 's reporting to Equal fax does not have pursuant FAFA of 1938 as amended. Violation of UCC 3-305 ( c ) and 3-601. for I'm left without action or recourse _NO REMEDY AVAILABLE. " Liability DISCHARGED, without prejudice Pursuant to UCC 1-207, 3-305 and 3-601. Receipt of government " benefit is under PROTEST, pursuant to UCC 1-207, 1-308 and 3-305 ( c ). Wherefore I am already a victim of Equal Fax security breach from 2017. 15 U.S.C 1681 section 604 ( 2 ) States i have a right to privacy. this is willfully FCRA violations in which i Fraudulent willful intent by two or more Officials, whereas in title 18 U.S.C 2831 is Treason. U.S.C section 1692 ( F ) unfair practices ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ) ( 6 ) - ( A ) ( B ) ( C ) - ( 7 ) ( 8 ) as amended Oct 10 2023. 15 U.S.C 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) ( i ) ( ii ) FCRA 623 and FDCPA violations 15 USC 1692c ( c ) and to many violations to mention unbeknown to me at the time of complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

A couple of months back I filed a dispute because I had a wells fargo secured card on my credit report. The secured card was an account that opened in XX/XX/XXXX. However, I had never got a secured card in XXXX from wells fargo. I received a letter from Wells Fargo apologizing for the account that was opened and stated that it looks like the account was indeed not mine. The result of me disputing the secured card from XXXX that was not mine, my current secured card from XX/XX/XXXX was closed. My credit report was updated to account closed because customer dispute. 

I immediately called and said that was not the account that you were supposed to close. I spoke to a few rep who eventually helped and said my account should be reopened. I checked my credit report and the account is opened. 

However I just called and a rep stated that my account is closed. My online profile has my account as opened with an available balance. I just opened a wells fargo case the number is XXXX. This is so confusing and I feel like no one knows what is going on. The account is open everywhere but is Wells Fargos system. 



WELLS FARGO CARD SERVICE Last reported XX/XX/XXXX {$450.00} Reported balance Credit limit {$500.00} You're using 92 % of your account 's limit OVERVIEW Credit limit {$500.00} Minimum monthly payment {$25.00} Opened XX/XX/XXXX ( 3 yrs, 5 mos ) PAYMENT HISTORY You've made 93 % of payments on time Last payment XX/XX/XXXX Payment status Current Amount past due {$0.00} Worst payment status 30-59 Days Late ACCOUNT DETAILS Account status Open Type Secured credit card Responsibility Individual Remarks Dispute resolved ; customer disagrees Times 30/60/90 days late 3/0/0
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a collection reported to all three credit bureaus for a {$160.00} debt that was over 4 years old. I sent three letters to the collector seeking validation of the debt. The collector refused to answer any of the questions or provide validation information. I then sent dispute letters to all three credit bureaus asking for the collection to be deleted because the creditor would not answer any questions or validate the debt. XXXX and XXXX investigated and deleted the information, however, Equifax responded by " updating '' the report. However, the update did not provide any new or verification information.
Product: Mortgage

Today I am writing in regards to a massive issue which is occurring on my credit report. When the pandemic began I reached out to loan care to be entered into the forbearance program. The process seemed to go well, at that time I was never notified of any payment due at that time or any impact of not making a payment may have. Fast forward about a year I notice on my report a year worth of late payments reported. As soon as I noticed that I made the payment. 

I have a stellar payment history and making payments on time is super important to me. I am very disappointed by the deception upon entering the forbearance and the lack of information.
Product: Checking or savings account

And XX/XX/2019 I deposited {$29000.00} into SunTrust bank account. SunTrust was not able to give me the lawful money from open account as requested. I was not giving full disclosure of, it came to my attention sun trust fractionalized money is in my account, I never consented to loans to customers are fractionalization of my money.
Product: Debt collection

On XX/XX/2020, I received a letter at my home address indicating that a debt I was alleged to owe to XXXX had been placed into collections. 

The letter is from : Sequium Asset Solutions , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX XXXX The letter came as a complete surprise as I have had no contact of any type from XXXX or any of its representatives suggesting that some type of financial obligation exists between myself and XXXX. 
I have lived at my current address for three ( 3 ) years and had both my cell and landline numbers for the same period of time. My current email address is approximately 15 years old. 

I immediately called SEQUIUM at the number on their letter. They refused to provide any information about the alleged debt, instead demanding to know whether I had ever had an account with XXXX. 

At my request, the call was escalated to XXXX XXXX, ( XXXX ) XXXX. After a brief discussion, Ms. XXXX acknowledged that SEQUIUM is not in possession of any document that would show that I ever had any type of account or other contract with XXXX.
Product: Debt collection

They call up to 8 times a day from spoofed numbers. They are rude and use obscene language and wo n't tell me where they are calling from. I call back and then I can get the name of the company. They called at XXXX XXXX also
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is in violation of furnishing my information without my written consent within to require time frame to make me aware also XXXX aware that reports containing solely on transactions between a consumer and a PERSONS are illegal. 

And on the XXXX major reporting agencies I find inaccurate reporting in my payments
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was compromised by in XXXX, it appears someone attempted to open several loans/credit cards in my name but were unsuccessful. However, there are multiple credit inquiries that I did not initiate on my credit file as a result of this. When I realized this is XX/XX/XXXX, I contacted each company ( XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX ) and was told repeatedly I would need to contact the credit bureaus to dispute. So I sent several letters to all three credit bureaus on XX/XX/XXXX to have these removed, via USPS ( XXXX   XXXX, Transunion XXXX, XXXX   XXXX ). I never received a response from any of the credit bureaus. 
I sent additional letters after this citing FCRA section 604 requesting documentation showing I initiated these credit inquiries giving these companies permissable purpose, again no response. I'm filing a complaint to have all of these credit inquiries removed unless they can provide proof that I requested to open credit with them.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXXXXXX 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 XXXXXX/XX/year>
Product: Debt collection

MONTEREY COLLECTION HAS BEEN TRYING TO COLLECT FOR DEBT WITHOUT PROOF OF OF THIS DEBT, HOW IT WAS CALCULATED OR ANY CONTRACT FOR THE SUPPOSED SERVICE, LIST OF SERVICE, ETC. 

THEY'RE DISREGARD FOR MY RIGHTS HAS CAUSED THE ERROR IN REPORTING WHICH HAS LOWERED MY QUALITY OF LIFE. 

THE AMOUNT THAT THEY ARE TRYING TO COLLECT IS {$4400.00} THAT THEY HAVE NOT EXPLAINED AND SHOULD BE DELETED.
Product: Credit reporting, credit repair services, or other personal consumer reports

after discovering the fraudulent account in my credit report I immediately tried to get the account closed and dissolved. I made a deal with the creditor to pay the small balance off and get the account in good standing and I would keep the account to build credit, the creditor agreed to remove all negative remarks on the account being that the account intially was opened fraudulently. here it is five years later the account although current and never later since I took over the account but its still being reported negatively, I've made multiple disputes trying to get the account reported correctly without any success I need help with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an investigation request to Equifax on XX/XX/XXXX. They are supposed to send the results back to me within 30 days. When XX/XX/XXXX arrived, I had not yet received a response from Equifax. I sent them a follow-up letter on XX/XX/XXXX, but that letter was also ignored. To date, I have received nothing back from Equifax.
Product: Debt collection

Trident asset management says I have a credit card debt with total card for XXXX this account is fraudulent and its not mine .this is my sixth time disputing this account with collection company only to have it removed and sold to another company
Product: Debt collection

After purchasing products from overseas at XXXX. XXXX sends me a bill for international shipping or something. The bill was extremely irrelevant, ridiculous, and incredibly unnecessary. I refused to pay this bill because I already paid a big amount of money to purchase the products and shipping in the first place anyway, was confused why i needed to pay this bill ... Now they raised {$8.00}, originally {$58.00} now a debt of {$66.00} even though i do n't know where the XXXX they come up with these numbers and XXXX cents change ... I 'm so upset why this type of international law or policy exists.. when consumers are already paying for their shipping. I refuse to pay this unnecessary debt.
Product: Student loan

They have elected to apply my payments to interest only, thereby artificially extending the terms of the loans. I can not believe that it is legal to extract interest only payments, I would expect that even in the toughest amortization schedule it would be impossible to never see the principal paid down after 15 months of payments.
Product: Credit reporting or other personal consumer reports

There is an address that is being shown saying it was reported in 2022 but it's in a different state that I havent live in ever. 
I wan na know why it's showing that and what I can do to fix it.
Product: Mortgage

I had contacted you about a problem with nation star mortgage. We were trying for a making homes affordable and we were denied and then we 're told we could get a modification but we needed an unbelievable amount of money. We were unemployed so we do n't have any savings. They used out stipend for our XXXX children as part of our income. This is not income. Then we received XXXX of many letters from there attorney stating they were going to have our home foreclosed on and then sold. After notifying you they cancelled this. We never heard from them or nation star. You told us that they were looking into this. Nothing was ever done. Now today we received a letter saying they were contacting court for an extension for the sale. Now what do we do.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I found some discrepancies on my credit report but negligence due to XXXX lack of seroiusness of the compant I have sent them multiple documents and still no response nothing I feel tired of XXXX XXXX please help me get a straight answer I reuested information from XXXX  XXXX XXXX and XXXX  they just push me over to the credit agencies and I get no where I have not spoken or I have not agreed in making payments of any kind because legally these account are fraud the TILA regulates all documents must be shown for acknowledgement of the debt this is not an attempt of not paying but ejercing my right to get all validation documents as this creditor never send me anything not even a collection notice they just starting calling me and harrasing me and I am tired
Product: Debt collection

Portfolio Recovery Associates, has repeatedly updated information that I disputed in writing as inaccurate they have never validated or verified repeatedly since XX/XX/XXXX up to the present of XX/XX/XXXX. They have attacked my credit reports month after month which has caused my scores to drop as much as 50 points on XXXX and XXXX. I have sent various notices requesting them to properly verify their information but they refused and misrepresent the account and state on my file that we have resolved the dispute, which he definitely have not!
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX DPT EDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$3300.00} US DEPT ED XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$7500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$6600.00} XXXX XXXX Balance : {$1200.00}
Product: Checking or savings account

On XX/XX/year>, I talked to Chime about getting back more than {$6000.00} that I was supposed to get as a refund, but it hadn't shown up. The Chime person suggested fixing the problem by disputing XXXX transactions one by one. This made things messy, and even though most were approved, some got denied, making my claim 's less believable. even after showing proof that the merchant refunded me and asking them to combine all the transactions to one single claim number, so when I upload the proof who ever investigate it will see the total amount of all transactions in the claim vs just one transaction amount. Chime decided to still send me denial emails and a email stating they are closing my account on XX/XX/XXXX without giving me all my money back or full credit while they contact the merchant