23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Good day from XXXX Called XXXX XXXX XXXX twice between XXXX and XXXX multiple transfers and no one knows how to complete my request : Cancel the u.s. bank secured credit card application submitted on XX/XX/XXXX. It has not gone through yet and I have already submitted to a better online offer. 

I AM NOT calling them back. I have no issues since opening the account. JUST THIS ONE They have 2 days to fix or the acct is going down on Friday XXXX. An additional complaint was submitted with the XXXX today.
Product: Credit card

Purchased a XXXX XXXX subscription at a persentation and when we got home and found out more about company tried to cancel subscription by calling company. The New Member Agent would not cancel and would not give me any other person or phone number to cancel. After more research found that we did not recieve a copy of the full contract at the presentation. Called the NMA again and requested a copy. In the mean time called Chase and did a dispute on charge in which they put a hold on payment while researching. It took me 3 more calls to the NMA to get a copy of the full contract over 30 days later. During that time Chase stated the transaction was a valid transaction even though in my complaint stated we did not recieve a copy of the contract which had the time and address to submit a cancelation. I then protested Chase/s reply and again they denied it. Once I recieved a copy of contract I sent a certified letter to cancel subscription which I have never recieved a reply. After researching more on XXXX XXXX XXXX I found other people have had similar results with XXXX XXXX XXXX. There is no contact or business address on their website and that their website is owned by a proxy company. I again protested the transaction with Chase ( even though I have paid the whole {$3900.00} balance ) giving them more information about XXXX XXXX XXXX and stating they appear to be a shell company and that they delibertly failed to give us a full copy of the contract to prevent us from canceling on time. Again Chase has stated the transaction was valid and informed me that they would not respond to any more correspondance regarding this matter.

As a note I have tried to book a trip with XXXX XXXX XXXX to see if they can save ys tge money they stated at the presentation. All I recieved is emails with alot of garbage information that is very hard to understand. When contacting Reservation Agent by phone she stated I should contact hotel directly for more information.
Product: Checking or savings account

On XX/XX/XXXX I logged into my mobile banking app and noticed my account had a negative balance. When my work day ended at XXXX I proceeded to deposit {$50.00} into my account which would have placed a positive balance of approx. {$32.00} in my account. upon the completion of my deposit I noticed my account was still negative approx. {$1.00}. I then logged into my account and saw a overdraft fee had been applied. I proceeded to contact customer service. I had previously been informed by customer service that if a negative balance was corrected within that business day no overdraft fee would be applied. Upon talking to customer service I was told that since my account went negative on XX/XX/XXXX that I should have corrected the balance that day. I was under the understanding that XX/XX/XXXX is considered a federal holiday and therefore not a business day. The customer service representative then informed me that US Bank considers any day a business day regardless if it is a weekend or holiday. The CSR told me that since it was now XX/XX/XXXX they had applied an overdraft fee of {$36.00}. When I question how that was possible, due to the account going negative on a federal holiday and not a business day I was pretty much told oh well that us how we do it. This is not the first time that I have had problems with this bank and their ridiculous overuse and abuse of overdraft fees. But it is the last time.
Product: Mortgage

We initiated an application to refinance the loan on our investment property ( aka, the family home we were unable to sell during the financial crisis and had to make a rental to avoid foreclosure ). We initiated the application with Loan Depot, LLC ; the application is still in process but nearing completion. Loan Depot changed the Mortgagee Insured on our property 's insurance policy, removing the existing Mortgagee, prior to completion of the loan application, prior to closing, and prior to having any financial risk that was appropriate to insure. The existing mortgagee has been deprived on its rightful place and coverage, and will likely initiate forced-place insurance to cover this change. This forced place insurance we will have to pay for, at greatly increased rates, without regard to the existing insurance that we have paid for. Loan Depot had no authorization to make this change, did not communicate this, and did not request permission from us. Loan Depot 's response to our objection is 'this is just something we do, we want to get things rolling early '. I am deeply concerned that they do this as an SOP and that this is not a human error but a conscious and consistent policy. This was so stated by the Loan Depot representative when challenged on why this was done. They are risking injury to us, to our mortgagee, and all consumers who use them along with their mortgagees, when they alter existing financial contracts prior to completing the mortgage process at a formal closing. What happens in the interim when there is an insurable loss at the property and the mortgagee is NOT named on the policy, but Loan Depot is? Loan Depot has no business being insured prior to closing and has no business removing our existing mortgagee from our insure prior to Closing.
Product: Mortgage

At the beginning of the pandemic, Wells Fargo sent out letters asking if I wanted to take advantage of the forbearance that was in place for customers due to the pandemic. I ignored the letters because I've had poor customer service with Wells Fargo and didn't feel like going through anything that may harm me in the future. With my luck, it usually does. In May more letters were sent out, at that time my household income decreased and my job was shaky so I decided to ask how it worked. The customer service rep I spoke with, assured me that the forbearance would not affect me in any way and that I would not be asked to pay a lump sum once the forbearance was over. She further advised that the balance would go to the back of the loan and wouldn't pay it until I sold the property. With that, I hesitantly accepted the forbearance. After three months WF apparently automatically extended the forbearance without my knowledge. I was a little worried, but I ignored it. I got another call again in XXXX asking if I wanted to extend longer, by then I started paying again. I thought I was out of the forbearance since I started paying again. In XXXX when I tried to refinance my home with another lender, I found out I was still in forbearance. Because of the misinformation and misunderstanding, I wasn't able to take advantage of the low-interest rates being offered. 

I contacted Wells Fargo to find out what my options are at this point and they asked me some questions and sent me an application apparently for a remodification. I called again today XX/XX/XXXX and spoke to 4 different people to find out what my options are for refinancing and each one asked me to tell the same story 4 different times. The last rep tried to help but she obviously did not have the information I needed and tried her best not to do another cold transfer again. I was on hold for about an hour, while she tried to get me the info. She came back with nothing. She then put me on hold and tried to connect me with yet another person, and it seems she hang the call up instead of transferring it. I waited to see if someone would call me back but they didn't. This also affects my chances of buying a new home. 

Oh and by the way, shortly after I took the forbearance they offered, I got a letter saying I was late on my mortgage and my chances of refinancing with them would be affected if I didn't bring my loan current soon. Go figure. 

Customer service really needs to be addressed here.
Product: Mortgage

Cfpb, XXXX XXXX sold my loan to XXXX XXXX XXXX XXXX XXXX, and the new servicer of my loan is Rushmore Loan Management Services . On XX/XX/2022 I wrote a inquiry letter to Rushmore Loan Management Services requesting a copy of my XXXX mortgage statement, payment information and any other documents related to my loan. My loan is current and in good standing. Rushmore loan Management has not sent me any of these documents that I have requested. I called Rushmore loan management customer service and was able to get my new account number and was told my account was being audited. My account is current and in good standing. I made my XXXX mortgage payment on XX/XX/2022 to Rushmore loan Services by XXXX XXXX. My XX/XX/2022 balance should be {$21000.00}. I am current on my mortgage payments and I would like the information I requested. I would appreciate it.
Product: Mortgage

I got a letter from RCS on the XXXX/XXXX/2015. XXXX what their service did was n't fraud, but identity theft. I have file a complaint with the attorney general of texas. The lady at the attorney general office. stated to me, that I needed to file for identity theft not fraud. She also stated that I need to forget about getting my money back, she said that 's gone. I know she would n't like it if some one are these companies cheat her out of your her money. Yes! '' I did send the attorney general of texas. The contracts and the release form. Yes '' XXXX XXXX and RCS committed fraud. Not one of these companies could tell me who was the lien holder are the not holder. The reason is there 's not one. Because I do n't owe any one any thing.I will send the contract to your service in a coulpe of days.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit report, I realized that still, the same accounts were erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It isn't acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please reinvestigate the unverifiable accounts and fix or correct it in my personal file : XXXX  XXXX XXXX Balance : {$2000.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXX Balance : {$5500.00}
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX | XXXX : XX/XX/XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately. 

XXXX XXXX XXXXXXXX Unverified Account ( Provide Physical Verification ) XXXX XXXX XXXXXXXX Unverified Account ( Provide Physical Verification ) XXXX. XXXXXXXX XXXX XXXXXXXX Unverified Account ( Provide Physical Verification ) * Please remove all non-account holding inquiries over 30 days old.

* Please add a Promotional Suppression to my credit file.

Thank You, XXXX XXXX
Product: Debt collection

The company  DEVILLE ASSET MANAGEMENT  are seriously violating the FCRA. They took a charged off account that was closed and added an ok payment status on my credit report  on    XX/  2016.  They then closed the account on   XXXX /2  016.   Next, t hey removed the ok status from   XXXX   2016 an  d added an ok status for   XXXX   2016. Th  e n changed the whole history from charge off to failure to   pay. I 've ever did business with Deville Asset Management company and I do n't think it is fair for them to dama ge my credit like they are doing. I have asked them to verify the debt and they never did. This is what they did when I asked them to verify this so called debt! And I gave them ov er 30    days. They did not respond in a timely manner
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

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

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 7. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 8. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 9. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 10. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 11. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 12. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 13. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 14. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX  15. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 16. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 17. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 18. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX  19. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, NY XXXX 20. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX 21. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXXXXXX 22. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX  23. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 24. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Mortgage

my loan had been resently sold to nation star mortage, my previously lender was freedom mortage. the loan was sent to nation star XX/XX/XXXX.Ever since then my ecrow has been short, they are staying that my escrow account is now short XXXX and they keep giving me the run around to way my account is short. It went from being short because of school taxes, to our XX/XX/XXXX real states being deliquent etc. Everytime my wife calls they keep giving her the run around to why it is short, My wife recently went to our school district and our brough to get copies of the checks and everything that was paid up and it is still not adding up. most importantly i am escrowed. then i recently tried to submitt my mortage payment and i was able to submit is but they put it in a suspended account claiming it wasnot enough to cover the mortage which it was it was my normal payment of XXXX, they claim i have to pay XXXX not the XXXX because i have to cover the shorteage in the escrow account. they never not once sent any documentation explaining abour the escrow being short and nothing explaing that now we will have to pay the XXXX for the next XXXX months.
Product: Money transfer, virtual currency, or money service

I made a {$1000.00} cash deposit to a Chase ATM at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The machine ate the {$1000.00} dollars and gave a receipt saying to call XXXX number to verify deposit. I filed a claim. They said it may take 45 days to investigate. I would like film footage before they destroy it and my money credited. 45 days is absolutely too long to wait for them to check if my money is in their ATM. They had to have audited the ATM by now.
Product: Debt collection

How did you get my personal information? Who and what gave you the rights to violate my rights to privacy as a federally protected consumer? And Are you aware of the laws youre in violation of by getting an federally protected consumer personal information without consent? Now Im giving you this one opportunity Firstsource Advantage LLC to explain yourself and answer every question mentioned above. Failure to comply will result in fines. Best regards! And the best of luck!
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> XX/XX/year>, and XXXX XXXX  to be removed. 

They are not in compliance with the following law. XXXX5 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

I received a explanation from SPS servicing today XX/XX/XXXX. In this letter it's states that I owe XXXX + an additional {$34000.00}? That brings the total {$150000.00} for this home? If this home was sold you would never receive that price. You never answered to me why this balance never goes down, with this modification loan. I thought a modification is to help you, not to destroy you. My cousin also who lives in Florida got a loan modification, several years after me and her balance has come way down. Me, mines has tripled and will never come down. Why does SPS servicing have a bad XXXX rating, and it definitely shows in the way people are treated by them. My ex bought this home in XXXX for {$89000.00} that's over 21 years ago. What's the purpose of a loan modification, if it's not helping? My Congressman XXXX said that you're doing this to make a profit, when you can eliminate a portion of the debt, and allow me to pay less than I originally borrowed. He said I should be getting a principal reduction and a lower interest rate. Why did you send me another application for a loan modification?
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

5. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

6. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX : {$60.00}
Product: Credit reporting or other personal consumer reports

Fraud and identity theft. Police report and FTC report submitted several times XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX 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 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