23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Right before Covid hit we submitted all the documentation to refinance and lower our interest rate with Flagstar. We received the approval and all the paperwork from Flagstar and continued to pay our mortgage payment at the new lower rate. Almost one year later we were notified that XXXX XXXX had rejected our refinancing and kicked the refinance back with no explanation. Also during this time we were furloughed for a few months due to covid so started a forbearance plan. As soon as we were back to work we resumed payments but now they were at our original higher mortgage payment. Now they are saying we are delinquent for the months of the forbearance PLUS the difference for the whole year we were paying the lower mortgage amount that they approved. We have spoke to their loss mitigation department to try to arrange a modification for the overdue balance. Originally they stated we were fast tracked for a Disaster modification plan and we submitted all the paperwork which is attached. After almost a year of still making our monthly payments now they say we have to submit another application for loss mitigation. We do not have a lump sum to pay back what they are saying we owe. All we want is a repayment plan or a modification- we have proven that we can successfully pay our monthly amount, but we don't think we should be punished for not being notified for over a year that our refinance was kicked back. The constant calls and letters with no help but threatening of foreclosure even though we are paying our monthly payment are very upsetting and stressful. We just want a resolution to this matter which has been going back and forth for over a year.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX  XXXX Balance : {$14000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$440.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I wrote a letter to XXXX, XXXX, and Transunion about information on my credit report being fraud and asked for it to be removed. I also sent an Identity theft report from the Federal Trade Commission to confirm, and these accounts remain on my profile. 
The accounts are XXXXXXXX XXXX and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX  XXXX Company Inquiry : XXXX
Product: Mortgage

I have been attempting to get a Mortgage Modification with Bank of America for over four years. Each time until recently I have been placed in a circle where without explanation by modification has to be restarted without a final answer of the previous attempt. I have a numerous number of agents assist me with this process until recently when I was afforded a Dept of Justice Modification that was part of a settlement with BOA and the XXXX due to the mortgage crisis. BOA has not offered any proof od security in the process in writing and I had to pay a large monthly installments out of faith to ensure the new loan of my home. Now that they have received their money not only has the demeanor of BOA personnel changed towards me but also the timeline to complete the process has been drastically expedited. My rep explained to me the loan would be in underwriting for at least 30 days, at that time I would receive paperwork I needed to sign then given another 30 days to return the information. At this time I have only heard via phone call my modification was approved and I need to send all required paperwork by by XXXX XXXX, 2015. This is gives me less than two weeks to turn around vital paperwork to save my home. It took four years and a 16 billion dollar fine for BOA to get my mortgage right but I have less than two weeks. When I attempted to escalate my concerns to an authority that could better assist I was denied any chance to speak to someone above my case managers supervisor. His supervisor was rude and uncooperative to reason by telling me how they expect anyone above her would respond to my request. This experience with BOA has left me feeling they rather foreclose on my home and sale it at a higher price than what my modification was ordered by the DOJ to be in order to recoup part of the money lost from the previous fine. I served over 20 years and XXXX I 'm confused why BOA would include XXXX in their title. My wife and I are both XXXX veterans and she is a XXXX. Our income has changed dramatically over the last three years plus our flexibility of employment is limited due to high medical demands. We need this modification to go through and our ability to return needed paperwork is important to finalize the details. I pray that BOA would take action not only to allow me time needed to return my paperwork, but adjust their policy to do so when the opportunity warrants. I feel BOA owes it to their customers/ clients to place them in a Mortgage that reflects the true value of their home and should make ample time to ensure all homeowners are given time necessary to salvage their lives do the financial crisis caused by BOA and other banks affiliated with this issue. With extra care to those who have served and lost part of themselves after serving in XXXX protecting our way of life. Some agents say thanks but actions speak louder than words.
Product: Mortgage

I have a mortgage with DITECH. I came out of XXXX XXXX bankruptcy on XXXX XXXX, 2016 and DITECH was notified of such on XXXX XXXX, 2016. However DITECH still has my account under bankruptcy status preventing me from being able to refinance. I had my attorney send DITECH a letter requesting change in status but there was no response. DITECH refuses to communicate with me. I need the status updated.
Product: Student loan

Have been paying student loans off and on since XXXX Submitted employer ECF. I am at at least 120 months for PSLF. Would be finished if not for the forced SAVE forebearance. Requested a buyback. Requested move to ICR. Requested 60 day forebearnce for transition. I want to make payments. I should be done. I should already have my buy back amount. They have my pay stubs. My w2s. My most recent tax return. Radio silence. Please get me my buyback. Or move me to icr so I can pay and be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unrecognized inquiries on my credit report which i didnt authorized. These inquiries is showing as hard inquiries on my credut report on XXXX only. 
An inquiry was made to XXXX XXXX through XXXX bank on XX/XX/2021 and XXXX Saks 5th Ave on XX/XX/2021. 

I disputed these inquiries with XXXX to get them off my credit report. The result that came from their investigation was for me to contact the company who reported those inquiries. 
I have contacted both these companies, they both have nothing on file that i was trying to request credit or opening an account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) -- XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX have violated my consumer rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Vehicle loan or lease

I started my financial relationship with GM Financial when they were still XXXX, in 2008. I had my share of issues with the integrity of the company, but what I am most frustrated with is they are holding my title hostage. I have been paid in full for YEARS, and yet they are still unwilling to release my title. I have spent hours on the phone with their reps and I get nowhere. It is disgusting how they have made me believe on numerous occasions that my title would be on its way to me, only to find out it was never mailed out. I feel like my hands are tied which is grossly unfair - if I were to be late with my monthly payments I would incur late fees until they would eventually repossess my car. Why are n't I, the consumer, protected in the same way? I will never do business with the terrible company again.
Product: Vehicle loan or lease

We have been restlessly attempting to resolve this issue, we have even submitted a complaint with CFPB recently for Wells Fargo Dealer Services, which we mistakenly believed was the correct section to deal with. 

The problem : My husband has a car loan with Wells Fargo Dealer Services. For the past year of XXXX up until about XXXX, he had been sending in money orders to a Wells Fargo Address believing that this was the correct address to send in his payments. He had been making the money orders out to : XXXX XXXX XXXX XXXX 
P.O. BOX XXXX XXXX XXXX, SD XXXX We informed Wells Fargo Dealer Services about this, but we thought he had made them out to them but that was not the case. While we truly apologize for any inconvenience and misunderstandings, we have been trying to resolve the issue, its just been frustrating. We hope they understand as its tremendously frustrating when you are unable to purchase a house or your credit is messed up for a mistake that you cant fix. 
I called Wells Fargo Dealer Services an informed them about this as they opened up a case with the number : XXXX. They called my husband and after speaking with him, he was told there is nothing they can do because he has no proof of the money orders. 
I was also informed from a representative at the presidents office of Wells Fargo Bank at this number : Chairman, President and CEO, office of XXXX XXXX ( XXXX ) XXXX that someone at the above address mailed the last two payments to the overdraft service department and they had deposited them in his personal checking account. But they are saying that they never received any other money orders, so I have enclosed a copy of an envelope that was addressed to them as well as the money orders that where deposited in his account.
Product: Mortgage

Hello, We fell behind 3 payments to US Bank XX/XX/2014 shortly after XXXX. It was then suggested that we apply for the " loss mitigation '' program to make a payment plan. It has been 18 months with us falling further and further behind and we are not allowed to make any payments even though we could have started paying months ago. They ask for the same paperwork over and over since by the time they send it to the " processor '' it 's expired. They just told me I need to fill out everything again for the 3rd time and I feel like this is illegal. I just want to pay the mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX has received my 30 day to comply and still has not given me the results of the investigation which is against the law. Multiple items have been verified by the companies that I do not have an account with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information appearing on my consumer report that I did not provide written permission or instructions to be reported or furnished on my consumer report. I am requesting that the reporting of this information be blocked and deleted immediately. My request to block is not being made in error, and my request to block is not being made based on a material misrepresentation of fact by me relevant to the request to block the identified transactions. These identified transactions are not information related to any transaction by me, as the consumer. The reporting of this information is legally defined as identity theft. 

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 reporting or other personal consumer reports

Equifax will not delete this fraud account. The sent the company my information and then kept this fraud account on my credit report. I have disputed this 90 days ago. Equifax has broken the law 15 USC {$1600.00} b by providing my information to company that has reported fraud on my account. Then On the page of the attached letter they said " We sent the company your information ''. I sent the fraud dispute request to validation the debt ( fraud ) not for them to send my information to them. Now they sent the attached letter with and affidavit to validate a fraud account. I have Attached XXXX bill proving I have a current account the account from the fraud company doe not match.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing to correct my personal information on file with your company. After reviewing my credit report I found out address where I have never lived before. Please see remove this address as soon as possible from my credit report. 

My true personal information ; Full address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Full name : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/1963 I do not wish to have any telephone numbers on my report. 

Please remove all other addresses off my report, as they are not reportable as per the FCRA, since they are inaccurate. 

Fraud Address in my credit report : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, FL XXXX Please remove this address as soon as you can.
Product: Mortgage

Subject : Wrongful Foreclosure and Mishandling of Surplus Funds I am filing a complaint regarding the foreclosure of my property at XX/XX/XXXX, by Bayview Loan Servicing , LLC. There are concerns about procedural errors, lack of proper notification, and mishandling of surplus funds. 

Foreclosure Process Details : Foreclosure Sale Date : XX/XX/XXXX Foreclosure Sale Price : {$330000.00} Estimated Mortgage Balance at Foreclosure : Approximately {$280000.00} Mortgage Holder at Time of Foreclosure : Bayview Loan Servicing , LLC Subsequent Property Owner : The property was transferred to Fannie Mae and later sold to XXXX XXXX XXXX on XX/XX/XXXX. 
Issues with the Foreclosure Process : Failure to Properly Notify the Borrower The foreclosure case was filed under case number XXXX in XX/XX/XXXXXXXX, and a final judgment was entered on XX/XX/XXXX. 
XXXX XXXX, the widow of the original mortgagor, XXXX XXXX ( deceased in XXXX ), was not properly notified. 
Surplus Funds Mishandled The foreclosure sale price was {$330000.00}, while the mortgage balance was approximately {$280000.00}. This should have resulted in a surplus of at least {$56000.00}. 
Bayview Loan Servicing has not provided any evidence of disbursing these funds to the estate of the deceased borrower or his widow, XXXX XXXX. 
Lack of Transparency in the Foreclosure XXXX XXXX publicly available records confirm that a properly conducted auction took place. 
If the foreclosure sale was not conducted in accordance with legal requirements, it may be subject to further review.

Requested Actions : Investigate whether Bayview Loan Servicing followed proper notification procedures.

Determine whether Bayview properly handled and disbursed surplus foreclosure funds. 
Ensure compliance with Massachusetts foreclosure laws regarding borrower notification and surplus fund handling. 
I am requesting a full review of Bayview Loan Servicings foreclosure practices and surplus fund disbursement. If errors are found, I request appropriate corrective action, including the return of surplus funds to the rightful heir or any other necessary remediation. 

I have attached supporting documents, including the foreclosure deed, legal filings, and other relevant evidence. 

Thank you for your assistance in this matter.
Product: Credit reporting or other personal consumer reports

CARD ACC # XXXX as " Date Opened XX/XX/XXXXXXXX  ( approx. 6 years ), XXXX also stated " Average age of your accounts : 7 Months which is based on the previous stated miscalculation of the oldest account being 10 months old. The same mistake has been made in previous Consumer reports, which has led to unfair adverse action being taken against the consumer via the denial of credit as the consumer was unfairly reported to be uncreditworthy. This is a clear defamation of character as defined by 28 U.S. Code 4101. 
In the consumer report dated XX/XX/XXXX, Equifax stated " Your oldest account was opened : 10 months ago ''. In that same report, Equifax reports an open account " XXXX  XXXX  - ACC # XXXX as " Date Opened XX/XX/XXXXXXXX  ( approx.11 years ), Equifax also stated " Average age of your accounts : 9 Months which is based on the previous stated miscalculation of the oldest account being 10 months old. The same mistake has been made in previous Consumer reports, which has led to unfair adverse action being taken against the consumer via the denial of credit as the consumer was unfairly reported to be uncreditworthy. This is a clear defamation of character as defined by 28 U.S. Code 4101.
Product: Credit reporting, credit repair services, or other personal consumer reports

My car was totaled XX/XX/XXXX, the finance company who was XXXX was paid by my car insurance company and the gap insurance company to cover the total amount of the vehicle. My husband and I tried to purchase a new car and found out that XXXX put a charge off on our credit. When I called the agent said it was a clerical mistake, someone put it was charged off/repossessed instead of a total loss. They said they needed a supervisor to correct it, the supervisor refused and said we owed over {$3000.00} in late fees and other fees that accumulated after the total loss. I tried to explain to them we didnt have the car it was totaled and there should be no charges after the total loss date, they still refused. We even agreed to pay them if they would delete it from our credit and give me written proof. I had an agent agree to do that only to be told that they would not delete it off our credit because they cant, which I know they can and they would not give me proof. I told them I would speak with a lawyer at this point. I spoke with a lawyer who said not to pay it and no longer have contact with XXXX, that they would speak with them on my behalf and my husbands behalf. I called back to try and resolve this issue again they still would not work with us. I told them we would not pay it and I would fight it with the credit bureaus, m. They said that they would wait until the 28 day mark on the 30 days they have to respond and would fight it back. They said they would keep doing it because they have better more expensive lawyers and would sue me for everything to get the money and then they would sell it to someone else so it would never end and ruin my husband and Is credit. They also said that if I wait until the 7 years for it fall off they would just sell the debt and keep reselling it. I dont know what to do at this point but its ruined our credit and continuing to ruin it so we can not get another car or even our fist house. It is supposed to fall off in XXXX but Ive been fighting with them and the credit bureaus to try and get it off sooner and hopefully reverse the damage, Ive been working with my lawyer as well but we are having a tough time. The credit bureaus keeping saying it a valid debt even though they information they have reported is incorrect, we never had the car repossessed and I even have proof from my insurance company, the gap insurance company and a police report to prove the information is incorrect but they still wont remove it. XXXX is the worst company we have ever had to deal with and refuses to work with us at all. Im just afraid that when its supposed to fall off that they will follow through with the treat and sell the debt and it will never end and we will never be able to get another car or our first house
Product: Credit card or prepaid card

The company has been charging late fees for over a year on on mistake their computer made. I have my account setup on automatic payments for the minimum amount due. Their system failed so do so and they were charging {$85.00} so because the {$85.00} was never made they were charging {$40.00} a month late fees. I called the company to fix the {$85.00} problem but then I was asking about the mattress fees they said they could give me back my late fees. I said was the error was on your side not mine so why am I getting charged for your error. The said they could not help me. So I'm reaching out to you for assistance. Thank you
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX  XXXX : # XXXX, XXXX XXXX XXXX  XXXX : # XXXX, XXXX XXXX Bank XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX  : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my XXXX and credit XXXX
Product: Student loan

I am a graduate of XXXX in XXXX, NY. I have XXXX private loans services by Navient. They loans have now entered repayment and the total due monthly is about {$730.00}. In tandem with my federal loan debt obligations, these payments combined with my housing costs consist of 85 % of my monthly income. It is unsustainable for me to possibly keep up such high payments. Upon calling Navient, I was informed that only XXXX of my loans was eligible for a temporary reduction ( 12mos ) after which my payments would become even higher than they were originally. I was told that my other loan could not be reduced because it was disbursed before XXXX XXXX. I requested more information about this " XXXX XXXX '' deadline and only received repeated answers, " it was disbursed before XXXX XXXX '' and no other explanation. I attempted to explain the financial hardship these payment costs placed on me but was met with indifference every step of the way.