23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We had a home loan with XXXX that got taken over by Wells Fargo Loan Servicing LOAN # XXXX Within few months of default XXXX ( hardship arising out of reduced income for me and a job loss for my spouse and not being paid for another contract as the middle party went bankrupt and further unemployment ), I got on a forbearance agreement with WF which I paid all the payments on time overnight with return receipts but they indicated otherwise and then later sent the funds for the last check amount back saying they made an error and misapplied the payment ( INTENTIONAL? NEGLIGENCE? ). It threw us into foreclosure proceedings by XXXX trustee, we filed Chapter XXXX XX/XX/XXXX, worked a loan modification review for 6 months paying a hefty monthly fee to attorneys for loss mitigation and they did not do anything! After refreshing documents over and over the bank 's attorney showed up at the time of job change and denied the modification without any fair review or chance. This created more XXXX and affected us and our family in many negative ways. Finally after years of XXXX. I came out of it and started earning but the loan is much higher than what the home is worth and the interest rate is close to 7 %. There is no accountability and response to QUALIFIED WRITTEN REQUEST we sent, A notarized mailing of PROOF OF CLAIM we sent out to the bank and the attorneys, There are numerous issues identified in the mortgage investigation, immense mortgage fraud and issues related to assignment, robosigning, errors in the loan, etc. that questions the standing but we did not raise foreclosure defense in time in the hopes that the bank was going to provide us the loan modification and now we are cornered into a sale date railroaded by the big powers. We need answers and there is no help to obtain them - the banks are doing whatever and are getting away with lies and theft. No one is holding them accountable for the various accounting errors, misapplication of the forbearance, obligations to respond, etc. We need the bank to respond to our QWR for information and Proof of Claim. The employee of the law firm doing the foreclosure has signed on behalf of the bank to endorse the paperwork as a bank employee? They are playing games and we are losing our family home in the process when we have tried everything with them in good faith. They have forced insurance and piled up enormous amounts of penalties and fees and charges to make matters worse. We hear all these settlements and amounts Wells Fargo and XXXX are fined and will pay or be applied towards principal reduction, etc. in the news as recent as the last few months but do not know the path to seeking those funds.
Product: Credit card

I currently had a credit card with XXXX XXXX through synchrony. I've had this card for a very long time. On XX/XX/XXXX of XXXX, XX/XX/XXXX, and XX/XX/XXXX I made credit card payments for {$100.00} each when I looked at my credit to make a payment tonight. I noticed that I only had {$63.00} available when I called to inquire about it. They told me that they had decreased my limit and had sent a letter to me XX/XX/XXXX. I have yet to receive this letter. I don't understand how I can make {$300.00} payments and after that they decrease my card balance. After being a customer for so long, I was completely shocked with this and totally disregarded on the phone. They offered to read me the letter but the damage had already been done. I told them to close my card. I have never had this happen to me before, but the fact that I made {$300.00} in payments and after that they decrease my limit I feel that that's not right and there's something wrong with that. That's abuse. I just hope this isn't happening to anybody else. I have statement activity and everything if you need it.
Product: Mortgage

NationStar Mortgage is the only lender out of the XXXX other lenders that I have that give me issues. For about a year they kept calling me and harassing me about payments being late on the XXXX of each month, when in fact I had till the XXXX to make the payment. After a year of calling an yelling at them over the phone they stopped. Thank XXXX some law firm filed a class action against them which I was more than happy to sign up. 

2- They changed my bill to paperless. I have called multiple times about them changing it back to bill. 

3- My Adjustable rate expired and they never notified me that my payments had gone up. They assumed I would log in online and see it. I did not receive anything in mail 4- Every year, the harass me about my home insurance policy, they want to force their own policy on to me and they can not figure out my name after 7 years still.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in EXPERIAN.COM and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of XX/XX/2022, XXXX XXXX XXXX XXXX TransUnion has not responded my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity, comments and Status of XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX i believe it was reporting in error.
Product: Checking or savings account

Citizens bank has over charge my account. the amount of fee they charge my account from XX/XX/XXXX to XX/XX/2021 is {$580.00} dollars. This unreasonable and unacceptable. XX/XX/XXXX i was charged {$30.00} service charge XX/XX/XXXX. {$39.00} overdraft on the XX/XX/XXXX overdraft {$79.00} XX/XX/XXXX two services charge for XXXX XX/XX/XXXX overdraft fees XXXX XX/XX/XXXX overdraft fees for XXXX. XX/XX/XXXX overdraft fees for XXXX XX/XX/XXXX overdraft fees XXXX XX/XX/XXXX service charge {$30.00} XX/XX/XXXX overdraft fees for {$39.00} XX/XX/XXXX service charge {$30.00} XX/XX/XXXX overdraft fees for XXXX. Due to all those fees and services charge this institution has and now continue to cause me financial stress. Most of the fees has been wrongfully charged to my account. There is no way that i will know allow my account to stay delinquent.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I have an erroneous collection that should be REMOVED. Consumer reporting agencies have assumed a vital role and have a responsibility to report Consumer information to then best of their ability with MAXIMUM ACCURACY. This account is not on XXXX but is on Transunion and XXXX with information that doesnt even MATCH. Please investigate and provide proof with statements showing that these accounts are accurate. If proof cant be provided I demand this account be DELETED COMPLETELY from my credit report. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have done my due diligence in regards to four accounts. I have contacted the companies that these are unverified and no contract accounts since XX/XX/XXXX. By calling and disputing over the phone. Also mailing four rounds of certified 609 dispute letters sent. Last sent certified XX/XX/XXXX. These are the accounts : XXXX XXXX Bank {$300.00}, XXXX XXXX {$400.00}, XXXX XXXX XXXX XXXX   {$310.00} and XXXX XXXX {$300.00}. This has been ongoing since XX/XX/XXXX and now XX/XX/XXXX. It is time to get a resolve of closure. 

These accounts are reporting closed Collection accounts but currently open and over credit limit by {$1.00}. derogatory remarks, late payments and charge offs/Bad Debt. All of this is negative reporting. 

I have been fighting these accounts and hard inquiries since XX/XX/XXXX. These are preventing me from home ownership my lender continues to tells me. They need to be removed off of my reports it is causing adverse direct affect to my credit scores. 

There were also certified Hard Inquiry Letters with company name and date of inquires listed sent to each bureau TransUnion, XXXX and XXXX  in XX/XX/XXXX too. 

I filed online complaint with Consumer Financial Protection Bureau in XX/XX/XXXX in regards to these four accounts. First I find it unacceptable from XXXX that my address provided is not reporting in my credit file. Since XX/XX/XXXX through XX/XX/XXXX I had received several correspondence in regards to updated personal information, inquiries and new accounts. Even updated reports through that time period to the address I provided. Nothing had changed. As a bureau just not dealing with the delete and removal of these accounts. 

I requested from each bureau to provide name of investigator of my file which is a Federal right and to provide signed contracts to verify accounts as mine. You ignored this request as well which is evidence of your willful disregard of the Law. By sending email or whatever form of verification to CFPB on your part of said investigation is in violation. Also continuously telling me to contact the companies is shifting the burden and in violation of 15 U.S. Code 1681 ( a ) ( 4 ). The dates in XX/XX/XXXX of initial complaint shows there wasn't a 30 investigation done. 

I am a consumer and intend to pursue litigation in this matter.to enforce my rights under FRCA. 

I demand that you delete all of the accounts listed and hard inquiries in certified letters immediately. I want an updated and corrected credit report showing that these items have been deleted and removed. This is my complaint and demand.
Product: Debt collection

Good Morning, on XX/XX/year> @ XXXX I arrived to XXXX on XXXX XXXX located in XXXX, XXXX  I went inside the store I was there roughly XXXX hours due to me getting thjngsbfor my graduation and also getting my nails done. I proceeded to come out around XXXX XXXX  that day and when I came out a buggy had been rammed into my front end of the car and the back end of someone elses car. As in beginning walk around the car to see what happened I see the ownerr of the car in front of me. I began letting her know how I found the cart parked ( with my grocery still being in a cart at my trunk ) and I let her know it weren't me who done any damage to her car and she said yeah I believe you people are stupid I Dont know who could've done this but did you see anybody? I said to her no I Dont but my mother has a dash cam that hopefully can show it but when the car is off it doesn't record anything she then proceeded to ask me could we exchange information so I could be a witness to her insurance for her to be able to file a claim I said sure I can be since it is I wasn't the one who was at fault. I spoke with a person with her insurance company and they began to question to me as though I was at fault I've showed documents and time stamps with this matter and somehow the XXXX XXXX XXXX XXXX have issued me a bill of {$1200.00} regarding this matter when I wasn't the one who damaged her car I sent them the videos and as of today RESENT the videos to XXXX XXXX. I'm not at fault but they are trying to put it on my credit if I Dont pay but I'm not the one at fault!! I'm extremely hurt by the fact I was trying to be a good person and she lied and said it was me I can show you all the same things!!! I wasn't at fault and I'm not trying to be held responsible for this!
Product: Credit card or prepaid card

On Friday, XX/XX/XXXX my account with Chime was hacked. Chime notified me immediately via text and email that someone in XXXX changed my account information while I was at work. I'm in XXXX. My boss let me call Chime to deal with this. I called them from my car with no one there for privacy, just me and the lady from Chime. We froze my accounts and at that point, no one had stolen any money but the hacker did move about {$170.00} from my savings account at XXXX XXXX  MST into my Chime checking account. Then they moved {$930.00} from my checking account into my credit account with Chime within the same minute. Chime support told me over the phone that my money couldn't be touched at that point and it was all still there, just in the credit account instead of spread out how I had it. So I reluctantly went back to work. After work I had a bad feeling, so I called Chime to check on my money. During the time between my call to freeze the account and me calling again after clocking out at XXXX XXXX, I the hacker transferred {$490.00} to paysend.com. At that time, my account should have been frozen because I called Chime to freeze the account just after XXXX XXXX and I have a screenshot of the call to prove it, among many other things. I went home, reclaimed my frozen account, moved what I had left to a separate bank and started the process to dispute the charge. Time after time they denied my dispute, citing that I didn't give them enough evidence that it wasn't me spending money even though I gave them everything they asked for and more, even screenshots of their notifications to me that someone was changing my information out of state. I need that money for college really bad, so I filed several rebuttals of their denials and sent more information every time. I need my money back. That was two weeks ago and I would've filed my complaint sooner but I've been too depressed. They could have just denied the payment while it was still pending because it wasn't even finalized at the time I disputed it. I tried so hard to cancel it before the money left my account. My employer even sent a statement saying that I was working when this happened. Please help.
Product: Prepaid card

Crypto.com is holding my money XXXX  going on over a month. They won't provide me any information as to what is going on, they just keep telling me that they need more time. On XX/XX/XXXX I was told that the balance remaining on my visa card would be transferred to my XXXX wallet where I could then send it to my bank account. That is not the case. They keep saying they just need more time while my remaining balance is being held XXXX without reason or explanation. This company seemingly is being ran by XXXX XXXX. Scam. Company could care less about its customers even if they have made thousands off me in absurd fees.
Product: Credit card or prepaid card

Recently Ollo Credit Card Company was taken over by Ally Credit Card. My account was compromised while it was Ollo Cards. I have since received a letter stating an investigation has been done, and I am not financially responsible for any charges. I wrote Ally a letter stating how incapable their employees are, I feel they decided to open up the case once again. Adding the charges in disagreement on my credit card. I paid off my remaining balance so I could close this account. There's no reason for them to open up the fraud case again, other than Ally Credit Card, with their lack of employees knowing what they're doing, than to try and intimidate me.
Product: Mortgage

ocwen loan servicing is attempting to foreclose on my home with assignments that are clearly robo signed by well known robo signers. The assignments are fraudulent that were used to transfer the mortgage. The have refused to modified or restructure my loan. I also sent a QWR, and a debt validation letter. I am yet to receive a response. I have asked that the sale for XX/XX/2018 be stop until my concerns were address
Product: Money transfer, virtual currency, or money service

We ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) have been using Square Up for my XXXX XXXX for XXXX plus years and we have never had any issues with them that we knew about until just recently. Yesterday, I went to go transfer about {$10000.00} into one of my bank accounts so we could pay our bills and I noticed there was about {$3500.00} missing out of our account with Square Up. So I called down to their company to find out what happened to the money and they explained that we were on what they call " reserves '' and we would not receive our money back until they deem it necessary to give it to us. I asked why, they said " in case there was a charge back that hit our account ''. You'll notice I uploaded a bunch of screenshots that show you over the last 4 years almost we have only had two chargebacks to the tune of {$820.00}. For a full fledged moving company that's been in business 20 years XXXX chargebacks in a XXXX year is not bad at all and Square Up did not incur any debt whatsoever behind that. We have more than enough cash on hand in all of our bank accounts to handle any and all chargebacks. So I explained that to them and said I wanted to get my money back immediately. They told me " our account was under review and they will get back to me '' and hung up on me. If you look at the other screenshots that I sent you, it shows you all of the reserves that they took over the last month equaling a little over {$10000.00}. And if you look at the other screenshot, it actually gives us a date on when I will start to receive that money back. But the problem is, I will be dead and gone by then. It's actually the year XXXX. Yes you heard me correctly, the year XXXX! Please see the screenshots so you can confirm what I'm telling you. I want to get all of our money back immediately, so we can pay our bills and move XXXX XXXX XXXX  to a company that we deem worthy of our business. Thank you! XXXX XXXX CEO and Founder of XXXX XXXX XXXX. Since XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to or benefit from the following information Transunion, XXXX, & XXXX listed on my consumer report, block or remove the following account XXXX XXXX XXXX, Under 15 U.S. Code 1681 a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation, any credit transaction is supposed to be excluded from a consumer credit report, if a social security card was used in the transaction. Additionally, under 15 U.S Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report and no consent is FRAUD! If the account is investigated and your results comeback as verified or accurate, understand that under the exclusion section youre not supposed to include factual information and theyre supposed to interview my neighbors, friends, or associates. If the account is not removed your are civilly liable for reporting the information and its also inaccurate.
Product: Credit card or prepaid card

Barclays promised XXXXXXXX XXXX XXXX  so I applied in late XXXX receiving the application on a FRONTIER flight. They awarded me an XXXX XXXX XXXX but did not give me the free miles. I have the XXXX XXXX but wanted a Frontier airlines card. I applied to Frontier again on a subsequent Frontier flight and this time was awarded the Frontier card. ( I travel to OHIO to visit my XXXX XXXX XXXX mom XXXX times a year ) They again promised the XXXX miles but never gave it to me. XXXX. ) XXXX XXXX The first card said it was because I did the pay the yearly fee. I tried to pay the yearly fee but they waived the fee so I was unable to pay it. I tried the contact them on several occasions from late XXXX until now. XXXX. ) FRONTIER CARD. In the meantime, the Frontier card came in the mail. I followed the instructions as told to me, but did not get the miles. Both times I was promised XXXX free miles ( value of {$600.00} for each airline ) and told I had to perform the following to get it. I had to XXXX. Pay the Yearly fee and B. Use the card in the first XXXX  days. Both of those things I attempted to do for XXXX and did do for Frontier. 
In XXXX of XXXX, I contacted my attorney at XXXX XXXX ( XXXX ) and he sent them a letter. In response to the letter, they set up a power of attorney. I never asked for that. Now I don't even get my statements. They go to XXXX XXXX which is my legal shield attorney. He sugessted that I contact you. Please help me. XXXX XXXX ( XXXX ) XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/year>, I send in a dispute about inaccurate accounts on my credit report. Transunion refused to verified or submit proof on how these accounts was able to be place on my credit report without verification that it's mines or correct.
Product: Mortgage

We refinanced our home loan and the previous mortgage was paid in full on XXXX. We did not receive our escrow check, ( {$2200.00} ), so I called to see where the check was/is. They told me I had to wait thirty ( 30 ) days after the check was mailed before I could request a new check. I waited the prescribed thirty ( 30 ) days and called back. I was told they would " overnight '' the check to me at the address I provided them which is different from the home address, I am out of town working. I then called for the third time on XX/XX/XXXX and was told " We mailed the check on XX/XX/XXXX ''. I replied I find that hard to believe since that was a Sunday! They then said " Oh it was processed on XXXX and mailed on XX/XX/XXXX. And yes we do work on Sunday. '' They said it was not overnighted but sent regular USPS mail. I called back today, XX/XX/XXXX, and am now told, it was mailed on the XXXX of XXXX, the same date as my last call AND sent to the address where I am not because I am out of town working as previously mentioned. I am now told I will have to wait yet another thirty ( 30 ) days after XX/XX/XXXX before I can call back and request a new check. However, this time the person assures me she has put in the correct mailing address and they will overnight it.
Product: Mortgage

I applied for forbearance In XX/XX/XXXX and was approved. I requested an extension in XX/XX/XXXX so my forbearance ended XX/XX/XXXX. The mortgage company reported 120 day late on my credit report in XX/XX/XXXX which caused my credit score to drop almost XXXX points. I filed a complaint and they fixed it, only for it to be reported back on my credit report 1 week later with another 120 day late. I now have to contact all the credit bureaus once again to try and get this resolved when I just had to do this 2 weeks ago. 

I was also awarded $ XXXX to pay back the past due balance from New York XXXX XXXX XXXX XXXXXXXX. They have been waiting since XX/XX/XXXX to hear from Cardinal Finance on how they would like the funds and Cardinal Financial has not responded with that information. They are doing nothing to resolve this issue and they keep reporting me to the credit bureau although I was in forbearance. I am getting extremely frustrated with this mortgage company as they are causing me extreme stress.
Product: Credit reporting or other personal consumer reports

The items listed are entirely inaccurate and incomplete, indicating a substantial error in their reporting. I kindly request the removal of this misleading information and urge you to ensure the provision of an amended credit profile to all creditors who have received a copy within the last six months, or the last two years for employment-related purposes. 

XXXX : 1. Under 15 USC 1692g. Validation of debts XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

EXPERIAN : 1. Under 15 USC 1692g. Validation of debts XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. Under 15 USC 1692g. Validation of debts XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX 1. Under 15 USC 1692g. Validation of debts XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. Under 15 USC 1692g. Validation of debts XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.