23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

After receiving my XXXX XXXX Benefits, I was finally able to reinstate my loan. A mediation date was scheduled with my lender. 

XX/XX/XXXX At the mediation my lender would not work with me and would take nothing less than the total lump sum amount to bring my loan current. No rules, regulations, or explanations where provided. The decision was made solely because " they just didn't want to ''. 

XX/XX/XXXX I received a bank statement stating, as of XX/XX/XXXX, the total reinstatement amount is {$46000.00}. It also stated, " if payment is received before XX/XX/XXXX, {$0.00} late fee will be charged. 

XX/XX/XXXX I ask for and received a letter with the full reinstatement amount. As the amounts preciously received were different by phone, then by letter, the online. In the letter now the " new '' reinstatement amount was {$47000.00}, an increase of {$1400.00} XX/XX/XXXX I paid the " new '' reinstatement amount of {$47000.00} XX/XX/XXXX I received a bank statement reflecting that I now have {$2500.00} of unpaid fees, with an additional {$510.00} already credited. A subtotal of {$3100.00} of " Total New Fees Charged ''. 


Corresponding with my lender, the answers to my questions have been explained inadequately. 

1. Why does my lender 's XX/XX/XXXX reply to my XX/XX/XXXX inquiry addressing these issues have a breakdown of the " Total New Fees Charged '' subtotaling {$5200.00}? I asked about this unexplained, arbitrary amount in my XX/XX/XXXX inquiry. There was no adequate explanation in their XX/XX/XXXX response, just a revised breakdown of the " Total New Fees Charges '' to match their claim of {$2500.00}. 

2. An analysis was done to calibrate my reinstatement amount shown in the XX/XX/XXXX letter that I asked for. Why, after I paid the total reinstatement amount was there another analysis done on my account developing " Total New Fee Charged '' of {$2500.00} on my XX/XX/XXXX bank statement? The XX/XX/XXXX letter clearly states " the next analysis of your escrow account is scheduled for XX/XX/XXXX ''. 

3. My lender acknowledged " inadvertently stating that SLS received a payment of {$47000.00} ''. After I sent them proof of my {$47000.00} payment. Do these " inadvertently '' mistakes and arbitrary amounts arise with all SLS clients, or just me?
Product: Mortgage

My mortgage is a XXXX XXXX with a XXXX XXXX, on XX/XX/2021, and after completing my three trial payments I received a XXXX XXXX Modification with PHH Mortgage. The final modification agreement that I received included instruction to notarize my signature and my wife 's signature. We completed all lender 's instructions on XX/XX/2021, and immediately after we returned the whole packages including our notarized signatures by certified mail. 
According to the original instructions received, I supposed to return two notarized copies of my XXXX XXXX XXXX, and immediately after my lender would receive these documents will sign, notarized, and return one of the two copies to us. 
PHH Mortgage signed our XXXX XXXX XXXX on XX/XX/2021, however, they just send us a copy without their notarized signatures. 
On XX/XX/2021, I personally contacted PHH Mortgage requesting my loan modification agreement with their notarized representative 's signatures. They responded to me that it was not necessary and just the regular signature of their representatives would be enough to make the document valid. 
I insisted that the above-mentioned agreement has a notarization requirement for both parties ; however, they promise to return me a call, a thing that never happened. 
I request CFPB help to obtain the legal document ( Notarized ) that confirms the full terms of my recent XXXX XXXX reached. 
XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and that my personal and financial information has been compromised. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following accounts and inquiry from my credit report. 
Accounts to be Blocked and Deleted : XXXX. XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$820.00} XXXX. XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00} Inquiry to be Blocked and Deleted : XXXX. XXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX
Product: Debt collection

I took out an instalment loan in XXXX. I was also sold insurance to protect and pay the loan if I lost my employment and was no longer able to pay. This did happen in XXXX. I became medically ill. I provided the company with all my documents. The company started to repay the loan through the insurance I purchased but they stopped. 
I spoke with an Agent at XXXX the collection agency for the company and I was told oh they stopped paying so the debt is yours and we will continue to report that you owe. I was told my insurance on the loan no longer covered. I did inform the agent that I was filing a complaint for deceptive practices. 

I also requested a copy of the insurance policy I purchased. I never received any of the documents.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX
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 charge fees due last posting of charges and credits this issue aligns with the recent CFPB findings against navy federal for similar practices, where transactions settle with insufficient balance is despite initially available funds I believe these practices are unfair, and request an investigation into my transactions.
Product: Debt collection

A recent pull of my credit report found a collection from Grant & Weber. I wrote to them in XXXX requesting they provide proof of this debt. They only provided an itemized statement. They are refusing to remove the debt or provide any verification that this debt is in fact mine.
Product: Credit reporting or other personal consumer reports

If you dispute negative information on your credit report and the " bureaus '' don't remove it. you can use the arbitration process to get {$1000.00} for each negative item without having to ever go to court. 
And your disputed information gets permanently deleted. 
( 15 USG 1681n ] But you'll keep serolling.. 
XXXX XXXX XXXX And XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have dearly ask experian about account on my credit report. This account states it is close/charge off. But while I ask them to investigate and send me info on this account, the account continue to report higher balances, different open dates, and numerous inaccuracies on dates/payments amounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XXXX/XXXX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX N/A XXXX N/A XXXX N/A XXXX XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX  XXXX XXXX, FL XXXX
Product: Mortgage

I am doing a refinance on my mortgage. During the process the title company found XXXX liens from Wells Fargo. I will pay off the mortgage debt during the refinance which is XXXX, this amount correlates to the original deed of trust of XXXX dated XX/XX/XXXX. The second is a subordinate lien of trust for the amount of the loan modification that was done on XX/XX/XXXX, in the amount of XXXX. This amount I received a payoff for XXXX on XX/XX/XXXX and will take care of it when I close on the refinance. The lien that was filed erroneously, was another subordinate lien of trust for the amount I owed on the loan at the time of the loan modification XXXX on XX/XX/XXXX. When I contacted Wells Fargo initially around XX/XX/XXXX I spoke to the home preservation department and they told me that i had to pay all three amounts in order for the liens to be released, and told me that if i needed further assistance to contact Fist American tittle and gave me a number to a notary service they used to record the lien documents. I have continued to try and work with them several times. They gave me a case number on XX/XX/XXXX which I later found out on XX/XX/XXXX was closed without any action taken. I then spoke to a supervisor who admitted that a mistake was made and told me the lien release department he spoke to could not do anything but gave me a fax number for their correspondence department. I faxed them all the required documentation and explanation on XX/XX/XXXX. I contacted them on XX/XX/XXXX and they advised me that someone would reach out to me. I contacted them again today because i had not heard from them and they told me that they just received my correspondence today and that someone will contact me in 24-48 hours. I need to get this resolved. It has been a month since I reached out to them originally and it just seems like they are unwilling to correct their mistake because no one knows what happened and they are not taking ownership of such mistake by rectifying it and releasing the loan. I told them several times that I will pay for what I truly owe but I will not pay for double the amount of the loan because of their mistake.
Product: Money transfer, virtual currency, or money service

I closed my business Paypal account in XXXX with a zero balance which Paypal says it has to be to even close an account. XXXX XXXX, XXXX Paypal linked to my new account with {$560.00} in it and froze it without warning. 

Apparently their was credit card chargebacks on my old account that I had previously closed. There was 11 customers who received their luggage and they chargeback on my account that was closed. If I was alerted to this problem and showed Paypal my tracking numbers these customers would not have been able to chargeback on my closed account because it would have showed that the luggage was delivered in good working order. But since I was not notified by mail or email which Paypal had and did not notify me, a amount of {$600.00} was charged back on my old closed account. 

When I closed the account, Paypal assured me that nothing can be done to me account if it was closed. 

They linked my account which they have in the past and it was fine with notifications and I had alway been notified. 

This time no notification, no alerting me, no emails, phone calls, no mail to my address all of which they have on file. 

I had to use this money for my child support payment which they froze without warning. 

Now I am out of the {$560.00} which I had in my account and I will never see again. Now I understand if they would have alerted me I would have had ample of enough time to fight the chargebacks and my so called mysterious balance. I am out my luggage that these folks still have and never returned and I am out {$600.00} from Paypal. 

This is freud and I also know they are not a bank and apparently unregulated. I am surprised that there is nothing I can do in this case and feel like an am robbed of my money with Paypal. 

There are folks who have this happen to all the time. But my case is a closed account. This is new and never has happened with Paypal. It just happens to be a new thing fro them to do what they want without cause or warning. 

Please help. I can be reached at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a charge off account on my consumer report and it a fraud account. I have already sent a police report to Experian to let them know that it is fraudulent from the company XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just look at my credit report again and according to 15 USC 1681e ( b ) you are supposed to provide MAXIMUM accuracy of my credit report. 

ACCOUNTS XXXX XXXXXXXX # 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  ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX DELETE THIS ACCOUNT because of violation of 15 USC 1681e ( b ), 15 USC 1681i ( 5 )
Product: Debt collection

On XX/XX/XXXX I filed a complaint with the CFPB against XXXX XXXXXXXX XXXX XXXX for deceptive practices and converting a purchase agreement into a lease arrangement after the product was paid in full ( CFPB Complaint ID XXXX ). On XX/XX/XXXX the CFPB ordered XXXX XXXX to pay {$36.00} XXXX in penalties and provide relief for tricking consumer and hiding contract terms ( CFPB choice of words from their press release heading ). Docket number XXXX. XXXX consented to this order. In XXXX of XXXX, XXXX sold the alleged debt to XXXXXXXX XXXX XXXXXXXX XXXX. With the assistance of the CFPB I was able to get them to delete the tradeline from my credit reports and received a commitment from them to never resell the debt. ( CFPB Complaint ID XXXX ). However, Vance and Hoffman purchased this debt and refuses to acknowledge the terms of the consent order and all previous CFPB actions. This tradeline remains on my credit file and is resulting in a significant rate bump on my mortgage application due to it lowering my credit score. Over the course of the mortgage term, this rate bump is equal to {$86000.00}.
Product: Checking or savings account

I opened a checking account with TD bank on XX/XX/year> but was then sent a letter in the mail saying that in order to fully open the account and be able to actually use it, I would need to go into a physical branch location and present photo ID. Not only is this unnecessary because you could easily have asked for pictures of my ID during the online application, but no where during the application did TD bank say that I was going to be required to go into a physical branch location for any reason. Had i known i was going to be forced to do that, I would have never opened an account with TD bank. The whole point of opening a checking account online is to avoid going to a bank. This practice should not be legal. They said if I did not comply, my account would be closed, which is a threat because you are attempting to force me to comply with something i had no knowledge of beforehand.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, On XX/XX/XXXX around noon, my wife and I called Transunion. When we tried signing me up for credit monitoring there was a problem verifying my identity. The representative informed us of a website we can visit so we can get my credit report and we can go from there verifying my identity. We waited until XXXX to do so and forgot that website. 
My wife called Transunion to obtain that website on Thursday, XX/XX/XXXX at XXXX XXXX  CT. She explained the situation above to the representative she spoke to, her name was XXXX , she did not seem to understand what my wife was talking about. So, the representative proceeded to tell my wife that I can sign up for a transcription online. She explained the situation to her again and told her that all she wanted is that website address. The representative then proceeded to ask my wife for my social security, which my wife did not provide and asked her why she wanted that. The representative wanted to check if I have an account with them. My wife said that I didnt have one. My wife provided my name to the representative who proceeded to look me up in the system and obviously coming out empty handed. I DID NOT authorize them to give out my information to anyone and the representative was willing to give out information about me. 
My wife called back immediately at XXXX XXXX CT to talk to a supervisor and spoke with XXXX XXXX Consumer Relation Department. She asked for his employee ID, he told her that was confidential. She explained her concern for the release of confidential information based on the conversation with the representative and told him if it was that easy to get the representative to provide information about me she is worried anyone can just call and obtain information about anyone. He did not ask my wife who she spoke to and proceeded to defend the employee and claim she did not do anything wrong. He then offered to give my wife the number to the online department so that we can get an online subscription. 
I am very concerned about the confidentiality of my information! 
I have provided dates and times because Transunion claims to record all calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I hope the following disputed items in my file will be updated immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I received a notice from XXXX that Nicholas Financial did a hard inquiry on my credit file. I have not applied for any credit from this company or any auto company. I called Nicholas Financial on XX/XX/2022 at the number listed on my report. ( XXXX ) XXXX and the person I spoke with said there is nothing they can do so I need to file a dispute. XXXX stated that they are unable to dispute credit inquiries so they advised me to submit my dispute here.
Product: Credit card or prepaid card

In XXXX of 2013, I was required to have two emergency medical procedures. The medical office offered me " XXXX XXXX XXXX '' which maintained no interest rate and five years to pay off the balance. At no point of time, the name of credit card was mentioned, disclosure paperwork was provided or any kind of application was provided. The total charged to the " XXXX XXXX XXXX '' was approximately {$13000.00}. I subsequently paid a total of {$32000.00} to the credit card only to call and find out that the credit card fraudulently charge my account an exuberant interest rate and still claimed to have a balance of approximately {$19000.00}. 

I allege the following : a ) The debt was acquired under false pretense and through fraudulent methods b ) No proper disclosures and information was provided at the time the debt was acquired c ) Subsequently, an unreasonable and exuberant interest rate was charged d ) The debt of {$13000.00} was paid off by electronic transfers in the amount of {$32000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX I had a Chapter XXXX Bankruptcy discharged. <P/>XXXX XXXX was included in this bankruptcy discharge, and should NOT be reporting ANY negative information on my credit reports. <P/>Transunion : XXXX XXXX listed as an " adverse account '' XXXX : XXXX XXXX listed as a " Negative '' in XXXX XXXX XXXX report : XXXX XXXX XXXX " date of 1st delinquency, '' XXXX " Date major delinquency 1st Rptd '' On XXXX/XXXX/XXXX I contacted Transunion XXXX XXXX and XXXX credit reporting agencies. The agencies acted clueless as to why XXXX XXXX is showing negative on the credit reports. On XXXX/XXXX/XXXX I contacted XXXX XXXX whom said they would open up an investigation regarding the negative reports. <P/>I have also been told by my banker that XXXX XXXX is reporting a late payment from five years ago.
Product: Mortgage

I closed on my house XX/XX/XXXX. Ditech is my mortgage servicer. As I am a XXXX senior veteran, I chose to defer my property taxes meaning I did not have to pay them until I sold my house. My wife was a co-borrower on the loan. I have sent her death certificate to Ditech 3 times in order to get her name removed. XXXX, XXXX Ditech took it upon themselves to make a tax payment to XXXX XXXX of {$22000.00} despite my telling them many times my taxes were deferred. I even sent in paperwork as they requested to confirm this. When I closed on XX/XX/XXXX, Ditech added this payment to my payoff despite confirming with XXXX XXXX that they had mailed the check. Ditech apparently lost the check and it took over 30 days for them to find it. My realtor called Ditech after we closed and Ditech escalated to see where the check was. They found it and I received a check in 30 days but it was also in my deceased wifes name so could not cash. Per XXXX instructions I sent via certified mail a copy of my wifes death certificate, the check and requested a new check in my name only. Ditech signed for the check on XXXX. On XXXX they could not find the check in their system ( another lost check ). My Realtor got on the phone to assist me as I have been on the phone for hours with Ditech to no avail She uploaded all the documents they requested on XXXX. Told she would be contacted by XXXX ( apparently fake name and extension as extension goes to customer survey not a person ) Uploaded docs went to XXXX XXXX. I would like this money that has been due to me since XXXX. Every time I call I get told it will be 10 business days-it has now been 35 days since I mailed everything and still no check. {$22000.00} is a lot of money for a senior citizen. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - T, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX