23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I purchased and financed my home through wells fargo the first time in XXXX. I have refinanced twice with them. Wells Fargo has the wrong address on my mortgage. I have tons of documents and XXXX from the closing process from their lender stating this was taken care of. I started the formal complaint process with them XX/XX/XXXX. My property has XXXX houses on XXXX tax lot. My address ( the main address ) is the one that should be listed on all documents. This is a huge problem when paying taxes and insurance from escrow. 
I have been through over 23 phone calls, 3 executive reviews and many phone calls with the county. 
XXXX, XXXX XXXX land use office said Wells Fargo never asked what address was the correct address for the property. He shared all he had from Wells Fargo 's investigation investigation. He agreed Wells fargo was incorrect. 
XXXX XXXX and XXXX from the XXXX XXXX land development agreed with me that Wells Fargo has it wrong. 
XXXX XXXX assessors and tax office concurred Wells Fargo has it wrong. 
Wells fargo themselves admitted they had it wrong by looking at the documents from the previous two times I have financed this property with them. This a major problem as they are not paying my taxes or insurance properly without my intervention. This resulted in me coming within days of my homeowners policy being cancelled. This will continue to be an ongoing problem as I will have to make sure they pay things to the correct place and account every time. The third and final executive review left me no other recourse but to report them. They have reputedly asked me for proof of address change- There has been no address change in my 20 years of living here. I am beyond disappointed with them.
Product: Credit card

More than a year ago I applied for a Chase credit card and there was a problem with the system, which never indicated to me that the application was complete. Therefore, the next day I tried again. Since I never received a confirmation email or a letter, I tried again. That's when I realized that I put the monthly salary when I requested the annual one. When I realized I made a mistake, I applied again the following month, which was denied. I understood that it was due to a system error and that I never received the email, I had several attempts. Therefore, I decided to wait more than a year to apply again and they denied it because they were not sure that I had all my identity. I contacted them to say that I had indeed requested it and they asked me for documents to confirm my date of birth. ( I sent my passport and address, a copy of my electricity bill. Even so, it was denied. And that is not enough, they made me a new credit inquiry today without me having requested it. I requested the one on XX/XX/XXXX and they denied it and today they made me a new inquiry in which I contacted them and they told me that it is definitively denied.
Product: Credit card or prepaid card

{$100.00} was charged by a company XXXX on XX/XX/XXXX. I filed a dispute on XX/XX/XXXX as I have to my knowledge never conducted business with a company called XXXX. Goldman Sachs rejected my dispute without sending any follow up information that supports the charges legitimacy.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It XXXX Concern, I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$74000.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$330.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$2500.00} 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 XXXXXX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to Section XXXX of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Disputed wrongful reported information on Equifax and XXXX   credit report by XXXX XXXX. I sent letter asking for proof of accuracy. Equifax failed to respond back in given time per law. Therefore collection account from XXXX XXXX should be removed from my credit profile. I also disputed with XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I had requested the reporting agencies to remove the following accounts due to identity theft roughly 60 days ago and they have not removed it. Since then I have filed another Identity theft report to remove this false information. I did not consent to this information being on my report and I have revoked consent to get this information removed. The accounts goes as follows XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Checking or savings account

Please illustrate and provide documentation of how JP Morgan Chase dealt with the active CD 's they inherited when they took control of XXXX XXXX XXXX. 

XXXX XXXX would pay the interest on the CD 's on a monthly basis.

Chase would not allow us to gain access to the interest until the CD matured.

This caused me and my family cash flow issues.
Product: Payday loan, title loan, personal loan, or advance loan

Eagle Loan continued to offer to increase my loan to a payment I could not afford. The loans were increased over the phone and no disclosures were given to me until after funding. I had no idea of the actual cost of my loan. 

They sent me a hand written letter threatening to contact my employer!!! Total violation of FDCPA! 

The last lending amount was {$2000.00} and now they billed me for almost {$4000.00}. I tried to make payment arrangements of which they would not work with me. 

I need help. This is pure violations of TILA and UDAAP if you look into their lending!
Product: Mortgage

On XXXX XXXX I took out a FHA mortgage loan, National City Bank was also the mortgagor ... I got separated from my husband, I then filed bankruptcy In the Untied States Bankruptcy Court case XXXX. The mortgage was discharged but forgot to cancel payments from my bank accounts. PNC continue to take payments totaling {$96000.00}. PNC BANK NATIONAL, filed a foreclosure action case No. XXXX CH XXXX on my home not allowing a face to face meeting prior to filing the foreclosure, not qualifying me for a modification or giving me credit for the monthly payments that were sent after the bankruptcy was filed. PNC has violated my rights committed fraud on the court. I am currently in Illinois Appellate Court case XXXX. XXXX. I am trying to keep my family and myself from being dis-placed and homeless. The attorneys continue to create false documents, and refuse to return my money after the bankruptcy was filed. I should at least be able to qualify for a modification according to the XXXX guidelines.
Product: Mortgage

We submitted a financial hardship package with XXXX XXXX 3rd party source, they verified Rushmore received a full financial package,. Rushmore failed to communicate with our representatives in timely manner and we have received a foreclosure notice for XX/XX/2019 Rushmore told us we are not eligible for a full review,, they also have failed to communicate alternative program options for us and we have exhausted all our options and do not have the funds to re-instate the loan Rushmore is know to not return calls, and fails to communicate efficiently. Agents are not trained property to be sensitive on the accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX 2021, I have had XXXX collection accounts removed from my credit report because of a company error. Although the collection accounts have been removed, I do not see an increase with my credit score. I would like to know why my score has not increased since the removal of the negative accounts.
Product: Checking or savings account

I have an account with RobinHood trading. I got an email saying I broke a rule and they asked for a selfie and bank statements. XXXX days later I sent selfie but was waiting for statements and I got an email saying my acct was suspended permanently. I have XXXX positions open in the acct and I asked on email how I can transfer them out. I received an email back saying the decision was final and did not address my question. I have sent XXXX more emails and tried to request a support call 5 times and the cut me off from support. I have not received a subsequent email. They are rude and unprofessional. I want to transfer my securities out of there before they liquidate them without my permission. IN CAP LETTERS I told them in XXXX emails to not liquidate without my permission but I do not trust them. They have cut off communcation and have XXXX of my money. 

*I just read on XXXX XXXX XXXX  that someone else had this done to them. 

Please help XXXX XXXX XXXX
Product: Mortgage

I am filing this NEW Complaint because Wells Fargo Home Mortgage FAILED and/or REFUSED to Answer OR Explain the following things I pointed out in my previous Complaint that was submitted on XX/XX/XXXX > COMPLAINT ID # XXXX As well as this COMPLAINT ID # XXXX that I Submitted on XX/XX/XXXX and closed on XX/XX/XXXX >.Here are the following 3 Points they NEED to Answer Completely and Fully >POINT A ) Qualifying for a Home Equity Account with XXXX XXXX In Wells Fargos XX/XX/XXXX XXXX to me they state that and I quote We have found No evidence of you not qualifying for a Home Equity Account with XXXX '' They found the XXXX XXXX XXXX XXXX account XXXX which was rebooked with a new loan number XXXX and paid in full plus the XXXX XXXX recorded on XXXX XXXX... .The problem with that explanation is this : Wells Fargo FAILED to Explain that Under XXXX XXXX Policy I Could NOT be eligible to apply for a Home Equity Loan as a Borrower in the first place because of these 2 ( TWO ) Reasons >> 1 ) I did NOT have a Checking and/or Savings Account with XXXX XXXX And 2 ) My Income was BELOW their minimum requirements ( The Minimum Income required to Open a Checking OR Savings Account was XXXX a year BUT my gross yearly Income for XXXX was XXXX!!! XXXX XXXX XXXXI NEVER had a Checking and/or Savings Account with XXXX XXXX ! ! My account was and STILL is with the XXXX XXXX XXXX XXXX XXXX North Carolina ( XXXX ). The Account XXXX # XXXX in which the back of the copies of the endorsed processed checks show & Prove this point clearly! ! XXXX XXXX FILES Attached> I was ONLY a Power of Attorney ( POA ) with XXXX XXXX POINT B ) Home Equity portion sold to XXXX XXXX XXXX XXXX In XXXX XXXX XX/XX/XXXX letter to me they state that and I quote We have found No evidence of a Loan being sold to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a XXXX loan Well here is the Evidence/Documentation XXXX XXXX XXXX  FILE Attached> And POINT C ) > They did NOT show me a copy of the Original XXXX XXXX Loan Document that would show my signature as the Power of Attorney IS underneath my XXXX signature therefore proving I was NOT a Primary Co-Borrower. INSTEAD They sent me these Forged Switched copies of the Deed of Trust and the XXXX XXXX XXXX Note> Here is PROOF of Forgery > SEE XXXX FILE Attached> That is just a sample. If necessary I CAN show other examples of this XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX and XXXX showed that I was 30 days past due on my XXXX/Fortiva account for XX/XX/XXXX and XX/XX/XXXX. XXXX shows the same account 30 days past due for ONLY XX/XX/XXXX. I made several calls about this and am still waiting for a resolution. I sent a letter to Fortiva on XX/XX/XXXX requesting the correction, and I am still waiting to hear something. I viewed my credit reports today, XX/XX/XXXX, and it still shows the errors. I signed up for XXXX in XXXX XXXX, and there was confusion about who was making the payments, so in XX/XX/XXXX, I was 30 days past due. However, XXXX had an agreement with Fortiva and made all the payments correctly in XXXX.
Product: Credit reporting or other personal consumer reports

15USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC so 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting or other personal consumer reports

Advanced Resolution Services, I am requesting my consumer disclosure report Attached to this are my : - valid drivers license - social security card - proof of address This is a formal request to receive my consumer disclosure report
Product: Credit reporting

I have disputed this with the Credit Reporting Agencies and with the credit card company. The credit card company has admitted that this was a fraudulent attempt to open a line of credit in my name and that they would have the inquiry removed from my credit. It has been 41 days since I was told it would be removed. I was told it might take up to 30 days to be removed. Why does it take so long to be removed? I certainly does n't take that long to be added!!! I plan on purchasing a home in the very near future and this will effect my interest rates. I want this removed immediately!
Product: Mortgage

A little more than a year ago I refinanced my mortgage with my original mortgage company. Since the refinance the company has sent me my statement late. This past month statement, I received in the mail XX/XX/XXXX and it was due the next day on XX/XX/XXXX. I have contacted them many times and have been told that " they aren't responible for how slow the mail is '', or " my statement is always available online '', or " i don't need the payment coupon to send in my statement ''. The last excuse is that " the statements are a coutesy. '' All these excuses may sound resonable except I dont always have internet access, I have a legal right to receive a " hard copy '' billing statement in the mail ( not just a coutesy ), I also should point out that 12 C.F.R. 1026.41 ( b ), which requires a mortgage lender to deliver or mail a periodic statement within a reasonably prompt time after the payment due date or the end of any courtesy or grace period provided for the previous billing cycle. Receiving the billing statement 1 day before the due date is certainly NOT a reasonable amount of time since I choose to receive my notice by mail. I'm " old school '' and track my billing and spending and payments made through physical statements. With all the hacking and breeches these days I rely on the mailed copies. I need assistance in making this mortage company to understand my legal right in how and when I am to receive a proper statement by mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the list of accounts below has violated my federally protected rights under15 U.S.C. XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX. account. # XXXX In accordance with the fair credit act and XXXX account # XXXX and # XXXX has violated my rights. 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.S.C. 1681 section 604 A section 2 It also states a consumer reporting agency can not furnish a account without my written instructions .In accordance with the fair credit reporting act my rights have been violated and I want these accounts removed not posted as closed REMOVED!!
Product: Credit reporting or other personal consumer reports

I am writing to formally escalate an ongoing issue regarding the presence of fraudulent items on your platform. Despite my previous attempts to address this problem, there has been no satisfactory resolution, and the fraudulent items continue to reappear. I am extremely disappointed with the lack of action taken to address my concerns. This situation not only affects my experience but also undermines the trustworthiness of your platform. Please respond within the exact timeframe. If this issue remains unresolved, I will be compelled to seek assistance from consumer protection agencies and consider legal options to ensure this matter is addressed. The following items should be remove as soon as possible : XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$32000.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX  UT XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX Balance XXXX {$1100.00}.
Product: Mortgage

1. overcharging on Balance of loan in XXXX XXXX, XXXX, XXXX XXXX, {$1000.00} XX/XX/XXXX {$1400.00}. 

2. we made an overpayment of {$3000.00}. in XXXX which the Company should have repayed in the amount of {$2400.00}. 

The Company was checking on this request but never came back with an answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax are both reporting 4 hard inquiries to my credit report as I shopped for a mortgage refinance. Two if not three of these inquiries should be removed. 



Name Requested On XXXX XXXX XXXX via XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  XXXX via EQUIFAX MORTGAGE SERVICE XX/XX/XXXX
Product: Debt collection

I was diagnosed with XXXX XXXX on XX/XX/year>, and my doctor prescribed XXXX  XXXX  to help me, I used the machine and it helped me very well from the month of XXXX to the month of XXXX, I have all the data on my phone, I passed the achievement of the XXXX XXXX  days wearing the mask every night. there was nothing about XXXX  days in the application.then I had to travel overseas for XXXX weeks, I couldnt take the machine with me, but when I came back I started to use it daily as I cant sleep without it, I got a letter from the company to pay {$450.00} for the machine. they said I didnt use the machine for XXXX  days continuously, I have the data from XXXX to our day now on XXXX confirming that I am using the machine everyday, I cant sleep without the machine and I cant afford paying this money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi portfolio recovery XXXX  is reporting on an account from XXXX XXXX XXXX XXXX Remakes state furnisher reporting remaining trade account please explain what this is when it was removed
Product: Mortgage

Our loan was sold to Shellpoint Loans after we refinanced. I attempted to contact Shellpoint several times during the transition process because I have been unable to access their online system. Shellpoint previously held a previous home loan of ours for a short period of time back in 2018, so when I tried to sign on with the new loan they are servicing, I got a blank screen. I spoke with a representative on the phone on XX/XX/XXXX, and they told me it would take 5 business days to get our information over ( the loan was transferred on XX/XX/XXXX ) so to call back Monday. I called back on the XXXX and they put in a ticket with IT. I was told it would take 5-7 business days and I would receive an email with the resolution and instructions on how to re-sign in ( after they wiped the old account associated with the email, and add a new one ). I never received an email. I called back again on XX/XX/XXXX. The representative told me she could see my old ticket and would put in another inquiry to IT. I never heard from anyone. I called back again on XX/XX/XXXX ( to pay my mortgage since I still could not log in ) and inquired about the ticket. I was told she put in a new ticket and she could see my old two tickets. She also submitted a complaint, which I was told would be followed up on within 2-3 business days from the complaint department. I still have heard nothing from Shellpoint and I still can not access the information about my loan online. I feel the company should return all the interest earned during the month of XXXX since they have not serviced my loan appropriately. I have not missed a payment and have called 4 times over six weeks with no resolution or follow up.