23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My wife and I had started a loan Modification with XXXX XXXX XXXX XXXX to try to get a lower monthly payment for our Mortgage. They said that in order for them to help us we would have to come up with XXXX different money payments- XX/XX/XXXX of {$1200.00}, XX/XX/XXXX of {$800.00}, and another payment of {$800.00} on XX/XX/XXXX. And on top of these payments they also asked for another amount of {$650.00} for Attorneys fees, this was on XX/XX/XXXX. We sent all the money they asked for. XXXX XXXX XXXX told us not to send any mortgage payments to Wells Fargo Bank. XXXX XXXX XXXX said that they will take care of the modification process. But XXXX XXXX XXXX never processed it. They forced us into bankruptcy. We feel that we should n't be in this situation. This is the reason why, Wells Fargo was n't receiving our monthly mortgage payments.
Product: Mortgage

I got my home insurance quote on XX/XX/XXXX and immediately got in touch with these guys to make sure the payment was sent promptly as it is due on XXXX as I've read the reviews on how slow Roundpoint is. Today XX/XX/XXXX the payment to the insurance company has not been sent although I have more than enough funds in my escrow and am paid up to XXXX. 
I've called about 9 times since then and all they tell me is that the payment would be sent soon but nothing. 

I even had the insurance agent call them and they said the same thing. 
I can not play with fire as I live in florida and homeowners insurance is not easy to find here. Hoping someone can help.
Product: Credit card or prepaid card

I paid off my XXXX  card in XX/XX/XXXX with tax return money. I called their number, got the balance and sent the payment. After I called, XXXX added a {$4.00} interest fee. I thought the card was paid off. I did not make any other payment to XXXX as I thought I had paid off the card. In the meantime they started charging late fees in amounts more than what the actual unpaid interest was. Once I realized what was happening I contacted the company and asked them to fix the fees and I would pay the {$4.00} I missed, which I paid. They refused to remove the fees and have since charged more and more fees and interest bringing the current balance on the card to {$110.00} as of XX/XX/18. That's all interest and fees on a {$4.00} interest charge that went through after I paid the card off. I have since paid them {$5.00} ( I thought that was the fee but it was actually {$4.00} ) I cancelled the card in XX/XX/XXXX and they are continue to add late charges to a closed account. I do not understand how a bill in an actual amount of {$4.00} can now be {$110.00} in interest and fees. It's crazy. I do not want to pay them any more. I have closed my account and they are still charging fees. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report and became aware that there are XXXX fraudulent hard inquiries on my credit report. I did not apply for anything. There is no way possible I should have any hard inquires when the law states that they should only remain on a persons report for only 2 years, this inaccurate information is hindering my credit report. 

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
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.

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. 

Listed below are inquires w/ dates on my credit report that I did not authorize : XXXX CARD SERVICES ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  & # XXXX ; L XXXX ( Finance ) XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  # XXXX ; L XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXXance ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX NA ( Bank ) XX/XX/XXXX FEB/DESTINY ( Bank ) XX/XX/XXXX XXXX. XXXX XXXX XXXX & # XXXX ; L XXXX ( Finance ) XX/XX/XXXX 2022
Product: Debt collection

I have five different accounts on my credit report saying that I owe them money for medical bills from XXXX  XXXX  hospital. For one I never went to XXXX XXXX hospital on or even around these dates and even if I did which I didnt I had XXXX which paid for every medical expense I had. I think someone must have gotten a hold of my information and use it. I have a bad credit score because of this and its not fair because this isnt even from me and its thousands of dollars. Please help me. This is affecting my life making it to where I cant even build my credit due to these fraudulent accounts. They are with XXXX XXXX XXXX and XXXX XXXX XXXX. And some of them are even recent and I have been to that hospital in at least five years or more. And I had XXXX from XXXX to XXXX. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern TransUnion XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX  XXXX, XXXX XXXX, FL XXXX I NO LONGER LIVE HERE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX CT XXXX, FL XXXX XXXX XXXX XXXX XXXX   XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Mortgage

On XX/XX/2022 I called Regions Bank from a XXXX result for HELOCs. After speaking with a representative, XXXX XXXX who took my information and submitted the application, I got a call back a few hours later, from the same representative, saying I was approved and they had given a counter offer of {$18000.00} before the appraisal, and it was guaranteed regardless of what the appraisal came back at. That is something at the time I had her confirm, so to be sure it was guaranteed. Then on XX/XX/2022 the appraisal came back lower than the XXXX XXXX, and they immediately closed my application, did not honor their word regarding the counter offer, and I believe the appraisal was a very poor representation of the other sales in that neighborhood, the condition of my house, and the current house market in the XXXX XXXX area. 

I have had no luck trying to talk to Regions about their lies and inaccurate appraisal, as they said the application is closed and there is nothing they can do.
Product: Checking or savings account

Hello, Im contacting the consumer protection financial bureau in regards to Chase Bank. Chase has decided as a business to end their relationship with me their banking relationship I would like for that decision to be reconsidered based off of the fact, my checking account has never been negative. There have never been any fraud claims on my account. There have never been any check fraud claims on my account. The reason why is because I keep my account maintain well I also have 4 credit cards with Chase so having a checking account, would make an extremely easy to pay my credit card. I am a serious customer as Chase can tell which is why I currently have four open credit cards with Chase so I would like my banking relationship with Chase to be reconsidered
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions. I support Navy Federal and they have been good with me, its just the late overdrafts and fees.
Product: Mortgage

I have been attempting to modify my loan with Citi for the last 2 years. Over the course of that time I have been asked time and time again for the same information to the point where it was just more efficient to sent a full and complete package. I did this probably a half dozen times, most recently at the end XX/XX/XXXX. I just received a request for more updated information. All information was already provided within the last 2 months. Now they want more of the same, just updated. Additionally, it appears they are looking at old modification ( when my wife had a different employer ) with my most request modification request ( which reflects her new employer ) and want an explanation of whether she still works at her old job. This is just confusing everything. I get updates that say they have everything they need then days later they ask for an entire laundry list of items they received but now want updated for only another 2 months worth of information. In truth, nothing has changed in those 60 days! Since they seem to want to continue looking at old information they can see that my financial situation has not improved.I am completely frustrated by their stonewalling.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last year, I have since XXXX and Experian multiple letters and documentation asking their companies to provide the documents that was used to verify the accounts I disputed. The last letter I sent was 30 days ago and they still can not verify these accounts. Under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete a information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible
Product: Mortgage

CHASE BANK, NEVER ALLOWED ME TO MODIFY MY MORTGAGE. 

I TRIED OVER 6 TIMES, THEY LOSSED PAPER WORK ETC. 

NO MATTER WHAT THEY SAY, THEY WILL JUSTIFY, THAT THEY FOLLOWED ALL THE RULES, AND COMPLIED WITH ALL THE LAWS, BUT THEY LIE. 

OVER 12 CHASE BANK EXECUTIVES HAVE COMMITTED XXXX BECAUSE OF CHASE BANK ACTIONS
Product: Credit card or prepaid card

I have been a loyal customer of fidelity visa card for around 8 years. This was my first dispute charge with an office that basically illegally charged my card for about {$400.00} dollars. I filed a claim, and while I received the closing of dispute in 2 months without any questions asked, I did not receive anything else from the company. When I called, I found out that they failed to reach out to the merchant at all and basically pushed everything back on the consumer without any notification. There is no indication in the electronic account and no email. When you call them to try and settle there is no conversation or any attempt to actually resolve or find any solution. This is all a scam to take the money fraudulently from the consumer.
Product: Debt collection

Dear Care Credit, I am writing to inform you that your recent attempts to collect a debt from me are in violation of the Fair Credit Reporting Act ( FCRA ). Your collection efforts have caused me significant distress and hardship, as I am unable to pay this debt due to medical reasons and being unable to work. 

Under the FCRA, creditors are required to report accurate information to credit reporting agencies and provide accurate information when attempting to collect a debt. Your attempts to collect a debt that I can not pay due to my medical condition is a violation of this act. 

I request that you immediately cease all collection activity on this debt and remove any negative information that you may have reported to credit bureaus. I also request that you provide me with a written confirmation that you have taken these actions. 

Please understand that I take this matter very seriously and will pursue any and all legal remedies available to me if necessary. I look forward to your prompt response to this matter.
Product: Credit reporting or other personal consumer reports

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : late payment XXXX XXXX XXXX XXXX  {$10000.00} collection/charge off XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$780.00} XXXX XXXX XX/XX/XXXX {$940.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX {$3200.00} personal information Current Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Former : XXXX XXXX Former : XXXX XXXX Name XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

onsumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$25000.00} These accounts have resulted in several fraudulent hard inquiries EQUIFAX MTG ( Miscellaneous ) XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Auto ) and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Debt collection

Fair Collections & Outsourcing Inc. advised me that they do not delete debts and I understand that I did not sign a contract with them for this debt that was owed to XXXX XXXX XXXX XXXX account XXXX. This debt was settled and paid, but has been causing my credit score to be low. I was not aware of my consumer rights for accounts that were sold to debt collection agencies. Since I did n't have a contract signed with Fair Collections & Outsourcing, this debt should not be reported because I also have no payment history established with them. I would like this to be deleted from XXXX and XXXX. The date this was recorded as paid was XXXX/XXXX/2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I has an Account passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Mortgage

We purchased a property and escrow closed XX/XX/2021 with a First Payment Due Date of XX/XX/2021. We made our first payment electronically to Guaranteed Rate ( NMLS # XXXX ) XXXX, XXXX ( NMLS # XXXX ) on XX/XX/2021. We have a full bank statement to show the payment was withdrawn by Guaranteed Rate and an electronic confirmation of the payment from Guaranteed Rate. As of today XX/XX/2021 Guaranteed Rate claims they can not find our payment and are refusing to accept further mortgage payments. We are being FORCED INTO DEFAULT by Guaranteed Rate REFUSING to accept our next payment. As of this XXXX PST on XX/XX/2021, Guaranteed Rate claims they still have not found our XXXX payment, refuse to accept further payments and have sent us to collections. Unbelievable!!! I have spent the month of XXXX and the first week of XXXX calling to follow up only to be transferred around.
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 ). 
15 U.S.C 1681 Section 602A. States I have a right to privacy 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 conviction 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

Payments have been made twice a month, in advance, for over 5 years. The bank continually delays posting the payments and periodically assesses late charges incorrectly. Now they have actually returned payments. As of now, the interest charged on the account is far in excess of what is actually due.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Incorrectly Reported Accounts on My Equifax Credit Report Dear Equifax, I am writing to formally dispute several accounts appearing on my Equifax credit report that do not belong to me. These accounts are my fathers, not mine. While we share the same name, I am XXXX XXXX, XXXX, and it appears that our credit information has been incorrectly merged. 

The following accounts are inaccurately reported under my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), 611, I request an immediate investigation into these accounts. Reporting these accounts on my credit file constitutes a clear violation of my rights as a consumer, as these accounts do not belong to me. I demand that Equifax take prompt action to verify the ownership of these accounts and permanently delete them from my credit report. 

Any additional proof necessary to demonstrate that these accounts belong to my father Please complete your investigation promptly and provide me with written confirmation once these accounts have been permanently removed from my credit report. Thank you for addressing this matter with urgency. 

Sincerely, XXXX XXXX, XXXX
Product: Vehicle loan or lease

I was unemployed for 4 months when I called up XXXX XXXX about my current situation in spring of 2016. I asked if there was a way to reduce the payments, refinance, or what options they had. They basically told me there was n't any program setup to help customers in financial distress. I did n't want it to negatively impact my credit score and asked if I could voluntarily give the car back to the bank but they said they do n't offer that option as well. I ended up borrowing money from friends and family to pay for the loan until I could n't afford it anymore.