23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I re-financed my home through Equity Prime mortgage ( NMLS # XXXX XXXX. I borrowed some additional funds in the loan to do repairs on my home. It was an FHA loan. An appraiser evaluated my home and made the appraisal contingent on some repairs being done on the house ( peeling paint removed ). Equity Prime stipulated in the loan agreement that some funds would be held back to ensure the repairs would get done. Once the repairs were completed, they would release those funds to me. After getting an estimate for the repairs, it was determined that XXXX dollars would be held back. The loan closed in XXXX. On XX/XX/XXXX, I emailed my contact at Equity Prime and informed them that the repairs had been completed. On XX/XX/XXXX Equity Prime received the final inspection report. I informed Equity Prime that I had already paid the contractor out of the initial funds I had been issued. I attached a receipt from the contractor that showed I paid for the repairs in full. Over the next 4 months I contacted the company numerous times through email and telephone asking why I have not received the held back funds. The answer was always " We don't know why this is taking so long, we are sorry, we will look in to it. '' Finally, on XX/XX/XXXX, they sent me an email stating the accounting department wanted documentation that showed I paid the contractor. I sent copies of two checks and a printout of a cashier 's check, all made out to my contractor. I have heard nothing since.
Product: Debt collection

Applied for a credit card, was denied. Checked credit on XXXX and found " XXXX XXXX XXXX  ' for XXXX XXXX in the amount of {$350.00}. I had an account with XXXX  in XX/XX/2007 - but it was closed. 
I have no idea what these people want after 11 years.
Product: Mortgage

Complaint Against Wells Fargo Regarding COVID19 Debt Relief : I applied for and was approved for a 90 day payment suspension from XXXX - XX/XX/XXXX. Payments were scheduled to resume in XX/XX/XXXX. During a conversation with a Wells Fargo representative in XXXX regarding returning to repayment status, we discussed other debt relief options. I indicated that I was not interested in any " additional '' options, but wanted to return to repayment status. Wells Fargo canceled my original 90 day payment suspension from XXXX to XX/XX/XXXX, IN ERROR and this issue has remained opened since that XXXX. I have had multiple conversations with Wells Fargo and the only explanation that I received is a response is pending from my mortgage investor XXXX XXXX on loan modification. I've repeatedly indicated that I am only requesting Wells Fargo to honor the 90 day payment suspension from XXXX - XXXX and to allow me to defer the suspended payments to the end of my loan term. 

I filed a complaint with the OCC in XXXX. I received a response from Wells Fargo on XX/XX/XXXX indicating that a response from investor was expected in 6 to 8 weeks. However, it has been 10 weeks and I still have not received a response from Wells Fargo. My account is currently showing passed due due for 90 days. I have made the following payments, despite Wells Fargo recommendations not to make a payment until a response from investor is received. 

XX/XX/XXXX - {$6500.00} XXXX ( Two months - XXXX and XXXX ) XX/XX/XXXX - {$12000.00} ( Four Months - XXXX, XXXX, XXXX and XXXX ) - Saved mortgage payments waiting for payment suspension issue to be resolved. 

This significant delay in response has caused financial harm to my family. We have bene unable to refinance our mortgage and have been in a holding pattern waiting on a response. I have never been late on my mortgage payment prior to COVID19. I have always paid as agreed. I am concerned about my credit score and loss mitigation/foreclosure processes due to the Bank Error!
Product: Mortgage

I have a mortgage with Nationstar they increased my escrow by almost {$1500.00} when neither my taxes or insurance went up..they bounced my escrow school tax payment that they said they paid in XX/XX/XXXX but was n't actually paid until XX/XX/XXXX..I asked in XX/XX/XXXX and sent them a note stating I wanted to pay my own taxes and insurance since I was with them over one year ..and original loan before it was sold too them that I had put 20 % down and all payments were on time ... I started sending in XX/XX/XXXX just the principal & interest..which they accepted..Then I sent in my XX/XX/XXXX payment for the same amount they said they never received it..I called on the XX/XX/XXXX for them to take the payment over the phone on XX/XX/2017 and they said wait a few days too see if the check comes in..I said I do n't want a late payment on my account I have excellent credit..The said they would n't charge a late payment ... I spoke to the escrow dept and they said no problem it will take about 7-10 days to approve my request..once I did that the online payment and the statement payment does n't match up ... They sent a letter stating my account was 30 days past due ... it has never been late ..now they put it in as a negative remark on my credit score ..I had a credit score of XXXX and now it 's XXXX down XXXX points ... I paid them {$920.00} online up from {$820.00} and they are stating my payment is over due ... the want {$970.00} ..they are making me mentally & physically ill..I do n't know what to do anymore ..I 'm on XXXX and a fixed income ... Please help..Thank you
Product: Credit reporting or other personal consumer reports

I looked at my report back on XXXX XXXX and noticed some things are incomplete and not accurate. According to the fair act credit reporting act whenever a consumer reporting agency prepares a consumer report it shall be follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whon the report relates. 

Creditor Name : Original Creditor : XXXX XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Original Creditor : XXXX XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Creditor Name Date of inquiry XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  CA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  CA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX FL XX/XX/XXXX XXXX XXXX XX/XX/XXXX Can you look in this matter Delete these accounts of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two account in collection on my credit reports that do not belong to me. The first is XXXX XXXX XXXX XXXX for creditor XXXX XXXX for {$380.00} made on XX/XX/2022. The second is Transworld Systems XXXXfor creditor XXXX XXXX XXXX ( Utilities ) For $ XXXX called XXXX first and all their systems were down until Monday. Then I called the collector XXXX XXXX XXXX and they told me to call XXXX XXXX. I called them and they said I needed to contact the FTC. I found them online and was directed to CFPB. 
These two accounts do belong to me. I assume they belong to two fraudulent names on my credit report : XXXX XXXX XXXX and XXXX XXXX XXXX. 
Both from Texas.
Product: Mortgage

I had received a letter from state, three years after my brother XXXX, who owned 50 % of the home, passed away. Due to mortgage company error, he was not owner of 50 % and if something were to happen to me, that 50 % would go into probate that my heirs would need to figure out. I contacted my trust attorney and paid her {$4000.00} to straighten this out. The following is the issue all stepped out. 

On XX/XX/XXXX, the real property at issue known as XXXX XXXX XXXX, XXXX, California XXXX ( Real Property ) was owned by XXXX XXXX XXXX as to an undivided one-half ( ) interest, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Dated XX/XX/XXXX, as to an undivided one-half ( ) interest, as Joint Tenants with rights of survivorship. This document was recorded on XX/XX/XXXX with document number XXXX. The legal description of the Real Property is as follows : Lot 20 of Tract 18692 as per map recorded in Book XXXX, Pages 21 to 25 of Maps, in the office of the County Recorder of XXXX XXXX XXXX. 

On XX/XX/XXXX, XXXX XXXX XXXX created the XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX. A Quitclaim Deed was prepared in regards to his fifty percent ( 50 % ) interest in the Real Property being transferred into his trust. This document was recorded on XX/XX/XXXX with document number XXXX. 

On or about XX/XX/XXXX, a representative of XXXX XXXX XXXX  XXXX prepared a Quitclaim Deed transferring his fifty percent ( 50 % ) of the real property out of his trust to " XXXX XXXX XXXX AS TO AN UNDIVIDED ONE-HALF INTEREST and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, as to an undivided one-half ( ) interest, as Tenants in Common. 

At the time of his death ( XX/XX/XXXX ), the fifty percent ( 50 % ) interest of the real property was held and is still held as " XXXX XXXX XXXX ''. A deed was never prepared by the mortgage company transferring this asset back into his living trust. 

XXXX XXXX XXXX died on XX/XX/XXXX. 

Petitioner requests this Court confirm that the additional FIFTY PERCENT ( 50 % ) interest in this Real Property asset is subject to THE XXXX XXXX XXXX XXXX XXXX  and under the control of XXXX XXXX XXXX as Successor Trustee. Petitioner believes that this asset is subject to her control as Successor Trustee.
Product: Debt collection

XXXX  Open balance
NCB MANAGMENT SERVICES
Original creditor
XXXX
Opened
XXXX XXXX XXXX (1 yrs, 7 mos)
Account status
Open
I dont know this account
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Bank fail to provide FORM 1099-C for a Charge-off// The lender must file form1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union, federal government agency, or other applicable entity as discussed earlier in chapter XXXX. 

The above paragraph is taken directly from the IRS 2021 publication.
Product: Credit reporting or other personal consumer reports

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : personal information Previous Address ( es ) : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

i have challenged the 100 % accurate reporting of this XXXX XXXX charged off account being reported by the credit bureaus as required by law 6 times now... i have pointed out that this account is being reported as a re aged account and only XXXX has deleted the account... ..transunion and XXXX are still reporting inaccurate information on my credit report and doing so they are violating my consumer rights... i have attached proof of the inaccuracies but let me write them out for you if you take a look at the date of last payment the bureaus are reporting XX/XX/XXXX but if you look at the 2 year payment history they are reporting it as XX/XX/XXXX ... .this is inaccurate reporting and a violation of my consumer rights if you take a look at the high credit amount reporting transunion is reporting {$1400.00} and XXXX  is reporting {$0.00} ... both cant be accurate and therefore they are violating my consumer rights
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act XXXX XXXX the following instutions : XXXX  XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX have voilated my rights by adding unwanted inquires to my consumer report. 15 U.S.C. 6801 ( a ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. In addition, 15 U.S.C 6802 ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Debt collection

I received a debt collection letter from Stillman Law Office for a debt that is not owed. When I contacted Stillman Law Office to dispute the validity of the debt collection, they were rude and would not continue the phone call. This is an apparent fraudulent company and they should not be allowed to cheat innocent people. 

I have confirmed with my medical insurance as well as the medical provider that these monies are not owed nor was my file sent to collections.
Product: Credit reporting or other personal consumer reports

Subject : Cease Unauthorized Credit Reporting in Accordance with Michigan FCRA Identity Theft Fraud Laws Dear Opps Loan, I am writing to address a serious violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 445.252, 445.254, and 445.255, the Michigan Identity Theft Protection Act under Sections 445.61 and 445.63, and identity theft fraud laws, specifically Michigan Penal Code Section 750.285.

It has unequivocally come to my attention that Opps Loan has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal and state laws, as outlined in the FCRA and the Michigan Identity Theft Protection Act, explicitly mandate that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 445.252.

In addition to federal law, Michigan state law, specifically Section 445.61 of the Michigan Identity Theft Protection Act, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 445.63 of the Michigan Identity Theft Protection Act establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity theft fraud laws, such as Michigan Penal Code Section 750.285, underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for Opps Loan to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that Opps Loan immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 445.252 of the FCRA and Sections 445.61 and 445.63 of the Michigan Identity Theft Protection Act. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Michigan state law, and identity theft fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that Opps Loan will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Prepaid card

RushCard offered " Rush Goals '', separate accounts used to accomplish specific goals, like a " Savings ''. All of my goals have disappeared along with the funds that were included in them.
Product: Vehicle loan or lease

Chase Auto Finance Attention : Customer Service XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX : Dispute of Late Payment Reporting - Account Number : XXXX To Whom It May Concern : I am writing to dispute a late payment notation on my credit report regarding my Chase Auto loan account. I believe this reporting is inaccurate and request that it be investigated and corrected for the following reasons : 1. The original auto loan was paid in full in XX/XX/XXXX. 
2. In XX/XX/XXXX, Chase contacted me regarding a tire issue on the returned vehicle. This was nearly six months after the vehicle had been in the possession of XXXX XXXX ( since XX/XX/XXXX ). 
3. Upon receiving this notification, I immediately took multiple steps to resolve this matter : - Contacted the dealership and spoke with XXXX XXXX, requesting that he send the required documentation directly to Chase. 
- Sent correspondence through Chase 's secure messaging portal regarding the tire issue - As a show of good faith, I have paid the disputed tire charge of {$1000.00} while awaiting resolution of this matter. 
4. The charge was unexpected and disputed, as the tire was in good condition when I returned the vehicle to the dealership. The vehicle had been in the dealership 's possession for several months before this issue was raised. 
5. At no point was I informed that this post-loan charge would be reported as a late payment on my credit report. The original loan account was closed and no longer visible in my Chase portal, giving me no indication that any additional charges could affect my credit standing. 
6. I have acted responsibly throughout this process by : - Responding promptly to Chase 's notification - Attempting multiple methods of communication - Paying the disputed amount to prevent any further credit issues- Seeking proper documentation from the dealership
Product: Checking or savings account

I noticed two fraudulent charges made in XXXX CA which I did not make nor authorize. 

My bank Citi bank refunded one for XXXX dollars but not the other for XXXX. 

That in of itself made no sense.
Product: Mortgage

Lender : Cardinal Financial NMLS ID XXXX The lender repeatedly fails to calculate, collect, and apply escrow payments. In XX/XX/XXXX : I received a letter alerting me to escrow funds of ~ {$1500.00} being held with a third party as part of the loan transaction. I worked with this company to try to get these funds to the lender/servicer. Cardinal financial would not take receipt of the funds. 

XX/XX/XXXX : I received a summons along with a lien threat from my municipality due to lack of payment of taxes that should have come out of the escrow account held by the server by law. Servicer refused to pay taxes out of my escrow. I promptly paid the taxes ( ~ {$5700.00} ) so as not to incur a lien on my property. 

XX/XX/XXXX : Cardinal erroneously paid the tax bill. 

XX/XX/XXXX : Cardinal erroneously double-paid the tax bill. 

XX/XX/XXXX : Cardinal gets refunded ONE of their erroneous/duplicative payments. Increases my escrow payments by {$1000.00} per month to cover their shortages. 

XX/XX/XXXX : Cardinal realizes they made erroneous payments. Is unable to explain what my escrow payments will be going forward while demanding the erroneous additional {$1000.00} be paid AGAIN. 

No relief. No explanation. No end in sight. THIS IS XXXX. They've been floating {$10000.00} of my money for 8 months and are too incompetent to account for it.
Product: Credit card

Ensuring payments are always made promptly on this account has been a priority, ensuring no instances of overdue payments. I'm uncertain about the reasons behind reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, this should be corrected.
Product: Credit card

Acquired a Capitol One Venture Card for trip to XXXX 6 or so weeks before the travel. 
When the cards arrived we called to inform them of the specifics of our travel, and requested a pin number which arrived by mail shortly. We called to change the numbers ( I believe this was automated ). 
On arrival in XXXX, we could not get cash with our pins. We did get one or two uses of the card, and then it was blocked. No call was received as is usual on our cell phone, nor on our home number when I had a relative check. As we had a back-up card and bank debit card, we switched to that use rather than incur the cost of phone calls to Capitol One. Calling today, Capitol One did not have the travel times, nor the cell number and claimed our home number was out of service ( a relative was here ). 
So, consumer beware. 
( What 's NOT in my wallet? )
Product: Credit card or prepaid card

I just i had a notification about a credit card inquiry that I didnt do, it was from bank of American today XX/XX/2023, this aplicacin wasnt mine, and will hurt my credit because its a hard inquiry on my file
Product: Credit reporting

I have a car loan through XXXX bank. I have paid monthly payments on this car loan for 5 years. This loan isnt showing up on my credit report through Transunion nor XXXX. Not having this information is effecting my credit report. I need to get this information on my report as it is effecting my overall credit score.
Product: Mortgage

My name is XXXX XXXX and my loan is XXXX. PHH terminated my ACH agreement on XX/XX/2023, didn't notify me via with proper notification, and subsequently violated Reg E when they didn't complete the agreed upon ACH draft on XX/XX/2023. As a result of this violation, I was assessed a late fee of {$160.00}. 

Their notification was completed in electronic form only and uploaded to their internal portal. I did not receive a physical notice or any e-mail notifying me of a message in my portal that would indicate that my draft was cancelled. 

Upon realizing in late XXXX that my payment had not been drafted, I promptly made the payment, rescheduled Autopay, and requested a waiver of the late fee. They declined.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX ( Total Credit ) VISA I applied for this card Not sure of date After having the card awhile I was " Offered '' to receive a XXXX XXXX  card.. I filled out the form and a new card... NOT another card a new card came in mail. Balance was same. Because to start a New card You had to pay up front {$89.00}. the website is XXXX which You can see what is offered. The card has no amenities, ,NO chip, can only pay one way cant rent!! minimum {$300.00} and they charge {$8.00} plus interest every month. with a balance or not forever!!! As my credit got better Offers came in and I wanted to close the card eventually. 
What they did issued the new card and did not close the other.. as I paid the bill, I was informed after 60 days.. I was late!! I did not pay my other card. After them acknowledging the ERROR.. the information returned on my report and Ive Disputed it several times. I am holding these people accountable to this. I will go further with the complaint.