23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have multiple times submitted the following information of my income. They have repeatedly rejected my loan modification because they are not including all of my income in their calculation. 

I am appealing the denial of my loan modification I am XXXX XXXX property XXXX XXXX XXXX XXXX XXXX, Texas loan number XXXX Im appealing the denial of the standard modification for reason of Due to excessive obligations, we are unable to offer you a modification because we are unable to create an affordable payment without changing the terms of your loan beyond the requirements of the program. 

Im appealing the denial of the Forbearance Plan for reason of Due to  excessive obligations, we are unable to offer you a modification because we are unable to create an affordable payment without changing the terms of your loan beyond the requirements of the program. 

Im appealing the denial of the HAMP Tier I for reason of Due to excessive obligations, we are unable to offer you a modification because we are unable to create an affordable payment without changing the terms of your loan beyond the requirements of the program. 

The reason for my appeal is that Mr. Cooper has miscalculated my income and reported the wrong income United State Department of Agriculture. 

The representative for the loan modification department is showing my income at {$2700.00}. 

My net monthly income : Income # 1 XXXX XXXX {$1500.00} net bi-monthly= {$3000.00} ( evidence included below ) Income # 2 XXXX  XXXX XXXX net {$220.00} each week= {$890.00} ( evidence included below ) Tenant= {$750.00} ( evidence included below ) My total net+ income is {$4600.00}. My total gross in {$5900.00} Obligations including my mortgage is {$3100.00} My obligations : Below is evidence of my current income and a copy of my application. 




XXXX XXXX  XXXX  Tenant : {$750.00} Lease also included Doctors Notes : Due to have symptoms of XXXX I was sick and self monitoring and unable to mail a response until now. However, this should still reach you with in the 30 calendar days if not Im asking for a medical exception. Also, my town is currently under Shelter In Place.
Product: Debt collection

A company called Transworld Systems INC repeatedly calls my phone asking for my  XXXX   XXXX   XXXX  daughter for debt collection for  XXXX   XXXX  of {$5.00}. I have called the company directly to get this matter resolved and they continue to run me in circles. I have talked to 3 different people asking for them to provide reason and exclude my daughter out of this and they keep telling me it 's a mistake on their part for not switching over the information. I received paper work after 4 months of having them calling me repeatedly and I continuesly asking for the paper work. The paper work recieved says that they can not run an investigation for the amount owed and they still have my  XXXX   XXXX   XXXX  selected for collection. I did not receive any paper work before hand of the amount due. The initial phone call that I received about the amount due was the collection agency needing payment from my daughter around  XXXX  of  XXXX . This collection is from  XXXX  and I had no record prior for the amount due. My  XXXX   XXXX   XXXX  daughter has not recieved any paper work prior to the initial phone call either. They told me by law they did not have to send any information of the amount due before they sent it to collections.
Product: Credit reporting or other personal consumer reports

Experian has been reporting a charge off on my credit report which has an adverse affect on my life because it is making it difficult for me to acquire future credit. XXXX and XXXX has removed the account from the report but Experian hasn't complied. According to the Fair Credit Reporting Act 15 USC1681 section 602 a states '' There is a need to insure that consumer reporting agencies exercise their graveresponsibilities with fairness, impartiality, and a respect for the consumers rightto privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX  XXXX is a financial institution by definition under that title. 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. By violating section 1681b for permissible purpose and 1681c for information contained in consumer reports they are also violating compliance procedures under this title. XXXX  XXXX is a financial institution by definition under that title.
Product: Mortgage

While my complaint is massive with Wells Fargo, I would really like consumers to be aware of what Wells Fargo is doing with respect to COVID-era assistance. In XXXX of XXXX, Wells Fargo offered COVID assistance in the terms of a 3-month deferral through a blanket email sent to all mortgage customers ( an email I no longer have and one Wells Fargo flat out refused to send again for our records ). Our mortgage maturity date is XX/XX/XXXX, and Wells made it clear the deferral would not include an extension of the maturity date. Now, due to this deferral, offered by them and NOT sought out by us, they have accelerated the maturity date by 3 months because we paid the deferred amount in our mortgage payments since XX/XX/XXXX. A big no, no according to Wells Fargo ( to customer 's that consistently paid for 23 years with not a blip ). Please let consumers know if they are trying to make small payments on top of their regular mortgage payments to make up the COVID offered assistance, Wells Fargo will call your loan ahead of the maturity date. Depending on particular circumstances, Wells will also claim they told you all about that in a letter dated AFTER the deferral period and repayment beginning ( well, at least that's what they did our case ). I have requested documentation from Wells for the period before XX/XX/XXXX, but was told there was none that could be seen, and asked why we would even request that ; very odd interactions given the history of making all payments, on time, as agreed to in one form or another.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received an email from PayPal stating that there was an account transfer of funds going to a " XXXX XXXX '' @ XXXX. I did not authorize a transaction for that so I logged on to my PayPal account and disputed the charges. I also called my bank and did a stop payment for the amount that was to be charged - {$800.00}. PayPal then credited my account back the {$800.00} minus the {$2.00} transaction fee. However, in the interim they did not find that the charge was unauthorized so they tried pulling the {$800.00} back from my account. However, because of the stop payment, they weren't able to pull the money back so now my account is negative {$1600.00}. The money is still in my bank to put back in PayPal and I would like to do that, but I don't feel like that is right until they look further into the unauthorized charge. When you google the email address you can clearly see that it is an email from XXXX or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting inaccuracies on my credit report but hadnt been about to price the debt. The services were not provided. I have also reached out to the original creditor without response. The amount and name is incorrect. I have had several instances of fraud its even listed on my credit bureau reports.
Product: Credit card or prepaid card

XX/XX/XXXX I was suppose to receive the card and Ive called and called to get a tracking number and havent received a tracking number and I even expedited the card and still nothing. They continually ask for my social but no tracking number
Product: Money transfer, virtual currency, or money service

The company called Coinbase was tasked with distributing the assets of the XXXX company, which went bankrupt in XXXX. But they insist on not approving my account. There is nothing I can do anymore in this situation that has been pushed into a deadlock. It's really like they don't want to open it on purpose. It's XXXX and I still can't get my money because they haven't approved my account. The fee I will receive is around XXXX dollars, but I can not even receive that because of Coinbase. Even though I have been trying since the beginning of XXXX, I have given up and the company does not approve my account. I request your help. They don't even respond to my emails properly anymore.hey are currently directing my account to the compliance department because of the accounts they deleted. I did not ask them to withdraw from XXXX and they deleted my account at their own pleasure.
Product: Money transfer, virtual currency, or money service

On XXXX the XXXX current bank sent email saying they had resolved my dispute they were.putting money back in my account I deposited cash on XX/XX/XXXX I transferred cash thru XXXX XXXX  they took XXXX they said I was negative and said they I was not untitled to my money back how the atm charged me twice u sent me an email stating I won't my dispute and then u selteal XXXX dollarsout and have a XXXX XXXXXXXX fighting me over it they scammed me
Product: Checking or savings account

I had lost my card, I received a call from the bank fraud stating " Did I know that there was activity happening on my account. '' I told them no I didn't know and I looked on my account and seen unauthorized transactions and realized I had lost my card at this point. I was told I had to go into the branch to file a dispute. I filed a dispute for the transactions and they told me they would do an investigation so I waited. I received a letter in the mail stating that they conducted there investigation and there was insufficient evidence to support the fraud claim so they closed the case and DID NOT CREDIT my account back.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXXXXXXXXXX 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: Credit card or prepaid card

My CC Capital One charged me about {$600.00} for five items These were XXXX charges on XXXX female products The order was on a XXXX fraud account that was created in my name but not my login or email address and was confirmed by XXXX it is not me. 
I investigated with the tracking numbers and all XXXX confirmed by UPS that were delivered to address and women that were NOT MY HOUSE and signed by women I do not know. 
Capital One will NOT work with me and will not credit me the funds telling me it is my problem and the products were shipped XXXX my address, WHICH THEY WERE NOT! 
I have called six time to talk to Capital One and they push me off and will not take my proof that is was fraud! 
XXXX agrees and UPS agrees that these were not ordered by me or delivered to me. 

See the documents proving delivery to other address and people and what the products were that were ordered. 
XXXX XXXX XXXX Capital One did not take any responsibility or take any time to help resolve this even after I investigated and have proof. I will also try and fill out a police report for local help. But I need Capital One to take the action expected from a financial institution>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit report act XXXX. account # XXXX with credit acceptance corporation. Has violated my rights 15 usc1681 section 6028 states I have the right to privacy.

15 USC 1681 section 604section 2, also state a consumer reporting agency can not furnish your account without my written instructions.
Product: Credit reporting or other personal consumer reports

I spoke to a representative on XX/XX/XXXX at XXXX  XXXX XXXX about an account that was placed in Chex System XXXX ago. The representative claims that the account was paid, and it's no longer in Chex System as of XX/XX/XXXX. and its nothing else they can do because I'm not in Chex System on their database. They sent me an email to send over to Chex System, but the letter does not indicate that I'm not in Chex System, only that it paid in full. When questioned, they said its nothing they could do because I'm not in Chex System and that Chex Systems knows what to do with this letter when received. this will be the second time i will be disputing this account the first time i disputed with Chex System they refuse to send me information on this account, they response was the source has verified the information as accurate and complete and it will remain on flie at Chex System. I need answers if XXXX  XXXX XXXX say im not on Chex Systems how can Chex Systems verified an account that does not exist.
Product: Credit card or prepaid card

I purchased furniture from XXXX 's XXXX XXXX on XX/XX/XXXX that I have never received. The furniture was supposed to be delivered on XX/XX/XXXX. It never came. A new delivery date was rescheduled without consulting me for XX/XX/XXXX and again nothing came. Then I was given a XX/XX/XXXX delivery date and again nothing. I was rescheduled again for XX/XX/XXXX and if you are following the predictable trend nothing was received. I was then given a XX/XX/XXXX date and then days before that date arrived I was notified that the product will be out of stock until late XXXX. Since I have been waiting for this furniture for several months and I don't know if or when I will receive it, I can not continue to pay for this furniture. I will not be sending any more payments towards this furniture until someone at XXXX 's XXXX XXXX takes leadership and ownership of this issue and resolve it. I have attempted to resolve this issue with store XXXX named XXXX and customer service supervisor XXXX. I explained to both of them you can not set a delivery date without consulting me first because the item needs to be delivered when I am home. XXXX has been less than helpful and XXXX has tried but so far he has not been successful. I also do not find customer service at Wells Fargo to be helpful, friendly, or customer focused. So far I have not had the best experience trying to communicate with Wells Fargo so given all of the challenges I am having I thought it was best to write my concerns out in the form of a complaint because the listening skills experienced so far at Wells Fargo has only added to the problems. I have found both XXXX 's XXXX XXXX and Wells Fargo to be unreasonable. XXXX 's XXXX XXXX is not communicating with me effectively nor are they making a real effort to deliver the furniture to me. Wells Fargo has started billing me when I haven't received the product yet and customer service has been lacking.
Product: Credit card or prepaid card

I hold a secured Amazon store card and was declined t make a request for a credit limit increase. Not simply declined by letter and underwriting, but declined by the phone associate who appears to be violating ECOA.
Product: Debt collection

I got a notification through my credit reports that I have a collection item on my credit reports. I have not received any notices, calls, or anything from ERC but a negative item on my report. When I called to get more information, the agent was attempting to get my pay schedule and not listening to the fact that I do have rights to be notified before you just impact my credit. She was not listening and therefore I ended the call. The amount is {$750.00} for a XXXX final phone bill. I have no collections on my credit report and this brought my score down by 83 pts, while I am trying to purchase a home.
Product: Mortgage

We have received two ( 2 ) debt collection notices from both XXXX XXXX XXXX and XXXX XXXX for the loan # XXXX originating from Harbor One Mortgage. Harbor One needs to immediately address this issue and ensure only one debt collection company has access to our loan. 

1. Letter from Harbor One dated XX/XX/XXXX states that our loan has been transferred to XXXX XXXX XXXX. We have not received a bill from them but this would be a third ( 3 ) debt collector. 
2. Letter from XXXX XXXX XXXX dated XX/XX/XXXX states our loan has been transferred to them. We already set up our account, provided our personal information and set up auto bill. It will not let me cancel the auto payment at this time. This needs to canceled immediately. This company has our current escrow balance and is clearly getting information from Harbor One.

3. Monthly Statement and bill from XXXX XXXX XX/XX/XXXX attempting to collect on the same loan as XXXX. 


I spoke with Harbor One on XX/XX/XXXX and they confirmed that XXXX XXXX should be the only company servicing the loan. At this point our personal information and bank account information is with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it my concern, I am looking over my credit report and I noticed there was collections from midland funding llc for the amount of {$700.00}. I am also looking at the original creditor and this was all settled years ago. It had to do with glasses that I had purchased but returned for some odd reason it never came off my credit report when i had called them years ago XXXX bank agreed that this would be removed. I had thought it was due to there word. I have no dealings with midlund and I do not feel I owe them money under the fair credit reporting act. I never signed any documents with them and as for the original creditor I don't owe the money. Today is XX/XX/2022 this happened over 5 years ago and was all suppose to be fixed with sync.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting incorrectly that I am 90 plus days past due on loans with the XXXX XXXX - account numbers XXXX and XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted this bureau and requested this item be fixed. The incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.
Product: Credit reporting or other personal consumer reports

I notified Equifax that the address on my credit file was incorrect. I requested that it be removed and replaced with the correct address. Equifax sent a letter to my correct address indicating that the incorrect address was verified. According to the Fair Credit Reporting Act ( FCRA ) I have the to to an accurate credit report. Equifax refusal to remove the inaccurate address and add the new address is 'willful noncompliance '.
Product: Vehicle loan or lease

XX/XX/year> & XX/XX/year> I had fallen ill and called in and explained my situation about the pymts might be late, and what we could do about it. I was under the impression that they could move 1 pymt a yr to the end of the note. And when I went to refinance my house to do some upgrades add some XXXX  accessories, the finance company pulled up.these 2 late payments from almost 6 yrs ago. So my loan was denied.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : US BK CTXXXX XXXX XXXX  Reference number - XXXX Record type Bankruptcy XXXX  XXXXdischarged Court US BK CT-EXXXX 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 Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Removed From XXXX XX/XX/XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Removed From XXXX XX/XX/XXXX Original creditor : XXXX - XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX  - XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX INQURIES XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting ActXXXX XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX Account # 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: Credit reporting or other personal consumer reports

On XX/XX/2023 I was checking my credit and was making sure I everything was paid on time and was still on the right track. I actually noticed that its some unauthorized hard inquiries that I didnt apply for that are there. Ive sent a letter to all three bureaus and told them that these inquiries are unauthorized, they still havent removed them. I dont know what going on or if the bureaus are working or its technical difficulties. But I would like to get a fair resolution to this issue by deleting these hard inquiries.