23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XXXX/XXXX/XXXX, I obtained a loan to purchase a XXXX from fifth third bank in the amount of {$200000.00}. The loan was secured by my residence and they obtained XXXX mortgage on the residence.. My loan is a labeled as a Commercial Term Note with Fixed interest rate of 8.440 %. My payment is {$1900.00}. The effective date of loan is XXXX. The maturity date of the loan is XXXX/XXXX/XXXX. My payment schedule is suppose to be Principal & interest due on the XXXX of each month beginning XXXX/XXXX/XXXX. There is also a 1 % prepayment premium to any prepayment check. 
I believed my loan would be paid off on XXXX/XXXX/XXXX. A recent statement shows I still owe $ XXXX. I called Fifth Third Bank and explained there was an error. They informed me I have a balloon payment due. And XXXX months later, they are now calling me and telling me that they are beginning foreclosure proceedings against my residence as they claim I am in default for putting my mother on my house with me and furthermore they claim that since I filed bankruptcy back in XXXX and did n't file to renew the loan ... I am in default and being foreclosed. I have never missed a payment or been late. In addition, I have loan documents and it was NOT A BALLOON LOAN. NOWHERE DOES IT SAY IT IS A BALLON LOAN.. If there was a balloon I would suspect they would have included it somewhere on my documents. It is nowhere. But the prepayment penalty is clear. I believe that the bank has been deceptive and misleading. And they failed to disclose a material item like owing over $ XXXX. They are calling and asking what I am doing about it and asking where I am going to get the money. They told me they want the loan paid off now and that if I do n't inform them soon on where I am getting the money to pay them off, they will continue foreclose proceedings against my residence. This is unfair and deceptive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute letter to the 3 Credit bureaus recently and received a response that is nothing more than a stall tactic. The errors on my credit report that were addressed are inaccurate and your refusal to comply with my dispute request is not acceptable. This is your final chance to resolve the inaccuracies on XXXX XXXX XXXX account. If your investigation is not able to confirm the validity of the accounts information I believe is inaccurate, please update it right away. 

XXXX XXXXXXXX XXXX XXXX Late Dates XXXX
Product: Checking or savings account

Due to the coronavirus I have over 30 overdraft fees and I contacted the bank to get in waves and I failed to do so
Product: Debt collection

i consumer XXXX XXXX XXXX entered into a financial credit transaction at ONEMAIN FINANCIAL GROUP LLC., location : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They failed to disclose documents relevant to the credit transaction. A consumer credit transaction in which a finance charge is involved pursuant to 15 USC 1605 a finance charge is the sum of all charges in a consumer credit transaction, because i know the finance charge is the sum of all charges, i was not expecting to pay the payments they have me paying.
Product: Checking or savings account

I am writing to file a complain 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.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Account Name XXXX XXXX XXXX Account Number : -- - Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding inaccurate late payments that are reported on my credit file maintained by Equifax. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

Requested Resolution : I request that Equifax conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments.

I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer.
Product: Debt collection

To whom it may concern On XX/XX/XXXX I received an email notification from XXXX XXXX stating that there was a new collection account that had been reported. 
However, the account listed on my report indicates XXXX  months of being opened back in XXXX. 



This was strange because I hadnt received any prior notice about such debt or giving the opportunity to dispute the debt prior to it damaging my credit. So I disputed it thru credit karma immediately. 

On Thursday XX/XX/year> at approximately XXXX am, I received a phone call from XXXX ( XXXX ) XXXX. The young lady name was XXXX and she was calling from Harris & Harris regarding a collection account on behalf of XXXX. She asked if I could confirm my address for security purposes. So i provided my current address. She informed me that was incorrect. 

I ask her what address does she have. XXXX told me an address listed in XXXX XXXX. She further tells me about the past due bill of {$97.00}. 

I immediately tell her this is a fraudulent account and Ive never loved at that address. She says ok I need to get you transferred to another department that can assist with this fraudulent account. Mind you she never said what department She transferred me to XXXX XXXX XXXX department where I spoke with XXXX XXXX 

XXXX started the call the same way, may I have your name and complete address, so I tell her. She says thats not the address on the account. 

I said I was just made aware from the previous rep that this is a fraudulent account that is affecting my employment and credit. I said I was never notified about the debt or giving proper chance to dispute. 

XXXX begins to tell me all of these steps that must be completed and an investigation will happen to determine if this account is fraudulent. 

She stated they needed ID, proof of address from XXXX XXXX showing that I lived elsewhere. 

I got so frustrated that I asked for a supervisor and was transferred to XXXX woman named XXXX! 

Supervisor XXXX, basically was trying to get my updated demographics and I was skeptical to provide them to her because I did not want them to update their records to include my current information. She wanted my Social Security number. She wanted my new address and I just wasnt comfortable with providing that information to them knowing that this account was a fraudulent account I told her that I was going to use a mediation like to CFPB to initiate dispute because it was fraudulent. 
I also stated that I never received prior notification of debt or giving the change to resolve prior to my credit being damaged I hereby swear that I XXXX XXXX XXXX, did not open, authorized or give any express permission to open this account nor did I know about this account. 

Attached is proof of address from XXXX until XXXX from XXXX XXXX proof of address from XXXX XXXX passport to confirm identification. 
FTC REPORT / XXXX XXXX Police Report Fraud Alert on all credit agencies. 
Credit is locked and frozen with all credit agencies
Product: Debt collection

I'm not sure why they continue to call me on this. This is not my debt and they are unable to prove that this debt was obtained by me.
Product: Vehicle loan or lease

I completed a voluntary repossession on XX/XX/year>, due to financial hardship. I spoke to XXXX by phone and confirmed I surrendered my vehicle to a XXXX dealer as they asked. At that time I asked them to cease and desist communication with me. I was told I would be taken off their dialer and would be contacted once the vehicle was sold. XXXX did not oblige. They have continued to call and harass me regarding payment. They continue to ask when I can pay and send info regarding my past due amount. I spoke to someone XXXX and again asked for cease and desist. I again advised that XXXX has the vehicle. The XXXX advised they were not aware but would notate. She stated they were trying to get ahold of the dealer who took the car. XXXX again called me today XXXX, and alleged they did not know I no longer had the vehicle. I reminded her of the cease and desist and she advised well youre past due or something to that effect. She basically ignored the c & d request. XXXX continues to violate XXXX. This is a violation of the law. There are fines for this. I will be consulting an attorney regarding the violations and compensation. They need to stop calling. 

I have included all calls since I returned vehicle. I will download my call log as I am sure there are more
Product: Credit card or prepaid card

On XXXX XXXX I noticed fraudulent charges on my Barclay Bank  account # XXXX XXXX XXXX XXXX. I called the number on the back of the card to report the fraudulent charges and request that the account be closed and reissued. Barclays automated system stated that they could take phone calls at that time and that I should communicate via their secure message system. 
I requested via their message system to close the account on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/2020. 

I also wrote two letters requesting that the account be closed. On  XXXX XXXX I received a form letter stating that they could not complete my request at that time. 
I was finally able to get them on the phone in early XXXX and after much discussion and finally a demand, they closed the account. 
If they had responded to my requests to close the account in a timely manner either by message or via phone as is usual for all other credit cards I have had, then there would have been no problem. 
I feel that they are responsible for all fraudulent charges on this account by their inaction to my request.
Product: Money transfer, virtual currency, or money service

PayPal holding my funds for 180 days. No reason.
Product: Vehicle loan or lease

privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX  XXXX  # XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 vears.

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

First on XXXX XXXX I searched up the options regarding Forbereance with my current mortgage with Santander Bank. They told me Im approved for 3 month forbereance explaining me Ill have 3 months without monthly payment that will be all due at the of the forbearance period or they will give me options to Repay. My mortgage will be reported as current to not affect my score during this period. 

Fast forward getting close to the third month, I contact Santander about my repayment options. They asked me if I want to extend my forbereabce period and I declined wanting to start making monthly payments and bring my mortgage back to normal. They gave me a really high repayment option but gave me the option of loan modification telling me Ill have to wait up to 30 days to receive final modification offer, asked me to keep doing my regular monthly payment to avoid any negative reporting on my credit. I did pay the 3rd payment right there only leaving 2 payments towards the modification application and been paying my regular monthly payment waiting on their answer. 

Problem is not only they havent get back to me with the modification amount, but they are sending me collection letters regarding those 2 months that were under the forberebace program and negatively reported my mortgage late those 2 months on my bureau accruing late fees, and a notice of a returned check with fees on it, when I always pay online, I have never sent a check to Santander. I been trying to resolve the issue with Santander and always got the same run around from them, in the mid time Im getting all this tension of having negative marks on my credit while Im Making my regular monthly payment and waiting on their answer. Its pretty frustrating for that works in finance as well previously on the bank and know the level of negligence this bank has in such difficult moment for everybody.
Product: Mortgage

I am the executor of the estate of XXXX XXXX. He had a mortgage loan with Freedom Mortgage. The loan number is XXXX. XXXX XXXX is deceased. This loan was paid in full in XXXX, XXXX. I have received the release of mortgage form. However, Freedom Mortgage continues to charge and deduct a monthly mortgage payment and refuses to discuss the issue with me.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  Account Name XXXX XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX FED XXXX # XXXX Account Name : XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

My bank information was stolen and someone logged into my account and tried to send money to overdraft my account illegally..so I called regions and they told me there was nothing they were gon na do because the person logged in with my information insinuating I was involved with this..so ever since then I have not been able to open with any bank..also when I asked can u send me why Im blacklisted they sent a paper that says XXXX XXXX XXXX told them not to..then in the same paragraph said thats not what they used to make their decision..I just want a proper explanation because I really need a bank account
Product: Mortgage

Per our conversation with XXXX XXXX at Wells Fargo Executive department on Friday XX/XX/XXXX, I have attached the additional documents that are pertinent to resolving our mortgage matter. 

XXXX XXXX 's email to us as customers last month was " Wells Fargo is committed to making things right with our customers. '' After speaking with you on the telephone Friday XXXX/XXXX/XXXX, that is not the sentiment you expressed. You still emphasized that Wells Fargo does n't select the contractors. That is not the point at hand. 

We could not have our closing until we meet Wells Fargo 's requirement to select a contractor that meet Wells Fargo 's protocol for validation. We did not know XXXX XXXX prior to this transaction. 

I was ensured by XXXX XXXX XXXX at the Executive Wells Fargo 's department on XX/XX/XXXX, that a new pair of eyes would review our concern. 

You are eyes are not new and we believe they are tainted by the entire 203k loan department which is no longer in existence because of illegal practices. 

We request that another Executive representative take a new look at our entire mortgage application. 

First, we were first-time homebuyers and that was not selected on our application therefore we were precluded from additional benefits as first time homebuyers. 

XXXX XXXX did not explain to us that we have MIP rather he said we have PMI which is significantly different. 

The contract we signed was in-conjunction with our mortgage closing and was not a separate document between XXXX XXXX and us. 

According to Connecticut state the law the Homeowner Contract agreement is not legal nor valid in our state. ( attached ) Moreover, Wells Fargo has hundreds if not thousands of 203k loans in the state of Connecticut and we believe our State 's Attorney needs to investigate and expose the validity of Wells Fargo loan practices. 

We received from the Department of Consumer Protection that your validated contractor was  sanction a forfeiture and the Attorney General 's unit can investigate the Unfair Trade Practice Act that was clearly ignore and not upheld by Wellls Fargo. ( attached ) This has been a two year over extended abuse from Wells Fargo and XXXX XXXX 's needs to be made aware of our situation. 

We do not desire to argue with you or debate. 

We need to be removed out of the MIP and Wells Fargo needs to refinance our loan without us incurring any further monetary depletion. 

Wells Fargo 's actions against us as first time homeowners is abusive, remorseless and inhumane. 

We need to be made whole as paying customers. 

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

In accordance with the fair credit reporting act XXXX  accounts 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 XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX {$440.00} XX/XX/XXXX XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX {$130.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXXXXXX XXXX  XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX addition reporting multiple times different dates XXXX XXXX XXXX$3800.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX$0.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion charges {$10.00} to initiate a freeze or lift a freeze online. This is exploitation at a time when a large number of Americans are affected by the XXXX data breach. Why should I pay for protecting my data when I never consented to its collection in the first place?
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate and unverifiable information being reported on my credit file in accordance with the Fair Credit Reporting Act ( FCRA ). The following accounts are being reported inaccurately and in violation of Metro 2 standards : XXXX XXXX XXXXXXXX XXXX XXXX Account Opened : XX/XX/XXXX Amount : {$500.00} ( appearing twice ) XXXX. XXXX XXXX XXXX Account Opened : XX/XX/XXXX Amount : {$1100.00} XXXX. XXXX XXXX XXXX Account Opened : XX/XX/XXXX Amount : {$3500.00} These accounts are reported incorrectly and may be in violation of Metro 2 compliance regulations, which govern the accuracy and consistency of how accounts are reported. As per the requirements under Metro XXXX and the FCRA, all data furnishers must ensure that the data reported is complete, accurate, and verifiable. Upon review, the following issues appear to exist : - **Duplicate reporting : ** XXXX. XXXX XXXX XXXX is listed twice for the same amount and opening date, which should not occur under Metro 2 reporting guidelines. 
- **Unverifiable information : ** I do not have records of the alleged debt with XXXX XXXX XXXX and XXXX XXXX XXXX as currently reported XXXX and I am unable to verify the authenticity of these entries. 

I kindly request that you conduct a thorough investigation into these accounts, verify their accuracy with the original creditors, and provide me with documentation that proves they meet the legal reporting requirements. If the investigation reveals that these accounts do not comply with Metro 2 standards or are not verifiable, I expect these accounts to be deleted from my credit file immediately.