23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Ditech ( formerly Greentree Servicing ) holds the second mortgage on my home. I have never missed a payment, nor been late on a payment in 8 years. Recently with the acquisition/merger, the ability to view the account ledger to show the activity and payment processing has been made available. In this balance sheet, it was noted that the payment was not being properly applied on the date of payment. The payment is still processed manually with a paper payment sheet, paid by check and sent by USPS first class mail monthly. The payment stub XXXX spaces for the customer to complete : Total Enclosed Dollar Amount, and Extra Amount to Principal. With each payment made, an additional amount toward the principal is always sent ( even though the mortgage is an interest only loan ). The appropriate amount ( overage ) is entered into the 'Extra Amount to Principal ' box with each payment, and is calculated by using the Total Payment Due subtracted from the total amount enclosed, where the payment amount due is the interest amount due for the monthly payment. Dating back to at least the XXXX quarter XX/XX/XXXX, the misappropriation of funds has been occurring resulting in turn having to expend considerable time each month calling the mortgage servicing company, to have the statements corrected. This was XXXX noticed though, only in XX/XX/XXXX, during that time the misappropriation of funds during XXXX quarters summed approximately {$2500.00} dollars above and beyond the required total payment due ( which all should have been applied properly to the Principal amount outstanding on the mortgage ). At times a delay of up to 72 days forward accrual can be seen on the accounting register ( meaning that a payment of principal in the amount of {$250.00} with a transaction date of XXXX will show an effective date of XXXX ). With an Actuarial type interest rate of 9.5 % the cost overrun which I am overcharged, just for this XXXX occurrence averages approximately {$3.00} per month, that the non-applied principal monies remain in flux. In essence, an over-payment in the amount of no less than {$27.00} has been made in the favor of the servicing company, which is unaccounted for funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of these inquiries listed. DELETE
Product: Credit reporting, credit repair services, or other personal consumer reports

I have my credit frozen with XXXX, Equifax, & XXXX  to protect myself against identity theft because my info was breached in the Equifax breach and the fed government info breach several years ago. I went to thaw my credit with all 3 credit bureaus via their respective websites and only XXXX  asked me for the unique PIN to thaw my credit. Both Equifax & XXXX did not ask me for my PIN and did not ask me any out of wallet questions beyond my SSN, address, & DOB before letting me thaw my credit with their bureau. This is distressing to me because any of that info would have been included in their data breaches and the PIN is supposed to protect me even though my other personal info is out there. I asked Equifax about why I wasn't asked for my PIN and they said it is company policy to no longer require the PIN to thaw consumer credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through all these and I am submitting this CFPB complaint requesting to the Credit Reporting Agencies to delete the disputed Fraudulent accounts and information completely from my Credit File. How many times do I have to tell the Credit Bureaus that I was a victim of identity theft and that the accounts I am disputing were the results of such crime. I have been asking to the Credit Bureaus to remove the the disputed items to correct my Credit File and send me copies of proof of verification if the Credit Bureaus claim that the disputed items belong to me. However, the Credit Bureaus have been disappointing me and have failed to send me copies of documents I have been asking from them. I have also been sending dispute letters to the Credit Bureaus attached with complete documents of proof of identity and Identity Theft Report I received from the FTC. I am submitting this CFPB Complaint to follow up the previous CFPB complaint I submitted and requesting the Credit reporting Agencies to remove the disputed items before I am forced to take legal actions. Once again, please remove the following items completely from my Credit File : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX B XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Owed : {$1000.00} XXXX XX/XX/2021
Product: Mortgage

Ally Bank is not honoring the pricing on the commitment letter for a Mortgage refinancing despite the issue being a bank error. Details are below : I was given until XX/XX/XXXX EOB to upload documents showing sufficient reserves The application was prematurely denied on XX/XX/XXXX prior to the deadline set forth in the attached email I submitted documents showing sufficient reserves in the morning of XX/XX/XXXX which were accepted and my application was approved. 

Because the application was prematurely denied without allowing sufficient time for me to upload documents, when they were in fact uploaded by the XX/XX/XXXX deadline, my application was conditionally approved but not at the pricing set forth in the commitment letter. 

This is a violation of the terms set forth in the commitment letter by which the lender is obligated to make a mortgage loan at the pricing set forth in the document. 

Original commitment letter pricing for XXXX XXXX XXXX locked through XX/XX/2022 : .25 % points, 2.875 % fixed for 360 Months which Ally Bank has denied the request to honor. Instead they are offering the current market rate which is substantially higher costing me thousands of dollars more. 

In addition, I was informed at the time of applying, sales of collectible assets would be qualified as reserves as long as an audit trail was submitted. For this reason, I did not apply with any other institution as I was told a number of times that those assets would qualify as reserves. I was later told after processing my application that those assets would not qualify. The bank admitted to miscommunication but never moved to resolve the issue despite their error. 

Continued violation of bait and switch, miscommunication, and premature denial of application resulting in thousands of dollars in potential consumer losses.
Product: Credit reporting or other personal consumer reports

I am attaching an FTC report containing XXXX fraudulent accounts! This is not a duplicate I am addressing the issue with XXXX files not being able to be opened in a previous CFPB report containing a FTC report in accordance to FCRA XXXX 4 day block due to identity theft. In this complaint I will attach files of my drivers license and social security card with bank statement to verify my identity along with the updated FTC report to hopefully bring about a resolution of these items being blocked, removed deleted.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, I XXXX  customer service of a crypto company and called them for help. In turn out it is a scammer, Im XXXX yrs old, he convinced me that I need to send ( wire tranfer ) of {$5000.00}. He sounded like legit so I called Bank of America to do wire transfer. After I did the wire transfer, I realized it was a scammed. I tried to call Bank of America to cancel., I wasnt really worried coz I have instructions for them to call me and even without Bank of America XXXXlways always call when there is request for wire transfer. Not only they didnt call, when I called them like 30 minutes after I requested wire, they already sent it, like in minutes without calling me. I reported the insident to their dept, they filed a case, I told them the details, that no one called me to verify esp. its the first time I was sending to that company, it should be a red flag.. but they sent it in minutes without calling me. Considering Ive been a client for XXXX yrs and they know XXXX XXXX yrs old. There was a formal complaint after 4 mos.I got a letter that they werent able to resolved it and lost my money. I really believe it is irresponsible of them and didnt protect my interest, they have the complaint record in their file.. strictly their fault.
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 : late payment XXXX XXXX  XXXX XX/XX/XXXX {$10000.00} collection/charge off XXXX XXXX XX/XX/XXXX {$1000.00} XXXX  XXXX XXXX XX/XX/XXXX {$780.00} XXXX XXXX XX/XX/XXXX {$940.00} XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXX {$3200.00} personal information Current Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Former : XXXX XXXX Former : XXXX XXXX Name XXXX XXXX XXXX Previous Address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with the Fair Credit Responding Act the following companies has violated 15 U. S. C 1681 A. Section 602 1 : States I have the right to privacy 15 U. S. C 1681 A. Section 602 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

has violated my rights. Or list of inquiries 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 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 years.

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: Money transfer, virtual currency, or money service

I have trouble sending money back and forth and receiving so that I have had to change my way of banking and also now I have occurred fees there are things on my account that are fraudulent and they wont delete them theyre just sitting on my account
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$23000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$18000.00} ; XXXX XXXX XXXXXXXX Balance : {$2700.00} ; XXXX XXXX XXXXBalance : {$2200.00}.
Product: Money transfer, virtual currency, or money service

I have put {$3500.00} into Robinhood. It randomly locked me out of my account and said I needed to contact support to get it back. You need to be logged in to an account to use the live chat with support feature. I have tried email and phone calls and have not been able to reach them.
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft. Per FCRA section XXXX you are required to remove/block any accounts listed on an id theft report. Ive already included this report in a previous letters & am included it again. 

This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. I personally dont want to pursue this method because this matter is such a simple remedy. But do not take my kindness as weakness. The costs will be extreme for you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Normally my phone does a good job of detecting calls, and won't answer as spam. On some occasions, the phone will screen it ( XXXX XXXX ). 

On XX/XX/2020, at XXXX, I received a call. XXXX XXXX took the call screening. The person with the number XXXX, said they where " hi XXXX XXXX XXXX mother, '' so I took the call as I teach music lessons. Once I switched to the call, you can tell it was a call center, and I told them that they lied and impersonated someone to get me to take the call ; that I was hanging up and block the number. 

I have provided the audio of the call screen, and a screenshot of the written transcript.
Product: Credit reporting or other personal consumer reports

I am reaching out regarding a dispute I previously submitted about an item on my TransUnion credit report from XXXX XXXX XXXX XXXX ( Account # XXXX ). TransUnion stated that the information came back as valid, but the same item was found to be unverifiable by both XXXX and XXXX and was removed from those reports. 

The investigation exceeded the 30-day timeframe required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), which states that consumer reporting agencies must complete their investigation within 30 days of receiving a dispute. Additionally, I never received any proof from the collection agency, such as a document with my wet signature, confirming that the information is accurate or belongs to me. Under 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure the information they report is accurate. The inconsistency between TransUnion and the other bureaus raises concerns about compliance with the law.
Product: Credit card

I applied for a credit card with Dillard 's and got approved. I called because I never received a bill or got my card. When I finally spoke with someone it was determined that my card / statement was sent to the wrong address twice. I received a late fee due to the company 's error and they waived the fee and now I am requesting that the late payment for XXXX XXXX XXXX be deleted off of my credit reports.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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 years.

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: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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.00}
Product: Student loan

MOHELA withdrew unauthorized funds during a federal forbearance period. 
This was during XX/XX/XXXX until XX/XX/XXXX. 
MOHELA has failed to issue a refund for still and it is XX/XX/XXXX. 
MOHELA is misdirecting my case by blaming the U.S. Treasury instead of taking responsibility as my servicer. 
I have filed multiple complaints with MOHELA and the XXXX XXXX, yet no resolution has been reached. The XXXX XXXX tells me to contact MOHELA, and MOHELA tells me to contact the treasury. 
MOHELA does not return my calls, MOHELA disconnects me when they transfer me to a supervisor, wait times are over XXXX and XXXX hours with a disconnection always. 
I demand an immediate refund and investigation into MOHELAs handling of PSLF-related payments and refunds.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXXU.S. 

DEPARTMENT OF EDUCATION Account number XXXXU.S. 

DEPARTMENT OF EDUCATION Account number XXXX XXXX XXXX XXXX  XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 years.

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: Credit card or prepaid card

On XX/XX/XXXX, I contacted the company to file a dispute. The representative process my dispute and I was told within 7-10 days I will receive a provisional credit while waiting for the investigation to complete. It is now XX/XX/XXXX and I have not receive any provisional credit I supposed to receive while a pending investigation. It appears the company is not following the policy of a provisional credit to the customer during the dispute process, so the customer can have the use of their funds.
Product: Debt collection

Capital One Services LLC sold my debt for pennies on the dollar to a 3rd party XXXX XXXX XXXX XXXX without my permission a violation of the privacy act sold my name date of birth social security number first one XXXX XXXX nbr ending XXXX XXXX XXXX for {$2300.00} second one XXXX XXXX XXXX ending XXXX XXXX XXXX for {$6000.00} in addition to my privacy act Portfolio Recovery was in violation of the FCRA and within 5 days did not provide verification of debt. 


They have reported to all three credit bureaus that they own the debt as a collection and report that the accounts are seriously past due. a collection by default is past due. Ive attempted 3 times to get this removed from my credit report. most recent through the bureaus dated XX/XX/2022 with a verification of debt letter that was updated in the credit bureaus but no change and no verification sent to me. 
the credit bureaus repeatedly send to Portfolio rather than deleting the record with clear violations of the FCRA I have never done business intentional with XXXX XXXX XXXX XXXX
Product: Mortgage

My home was foreclosed XXXX by Wells Fargo and I was not informed of the process. During my separation of nearly 10 years XXXX XXXX XXXX ),  My ex wife and kids resided in the home while I served abroad on XXXX XXXX. When I found out that my home was being foreclosed thru email, it was too late. No one at Wells Fargo would work with me without my ex wife 's signature. She was adamant about proceeding with the foreclosure and refused to answer calls or correspondence from the bank. I contacted wells fargo immediately in an attempt to extend my time and save my property ( due to short notice ) but it was already too late. I 'm not sure when my ex wife received the initial notification that the home was in the foreclosure process, but when I found out there was not enough time to do a short sale or modification. To this day, I do n't have any information on when it began, when the home was officially foreclosed and how this happened so quickly. Wells Fargo conducted their own investigation but I do n't trust them. The gentleman that I spoke with in Loss Mitigation took quite a few months to complete his internal investigation that resulted in no fault by the bank. I now have a foreclosure on my credit report due to this process and not able to purchase a new home with my VA XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit is inaccessible to the mortgage company. I did not freeze my credit.
Product: Mortgage

I applied and was granted a construction loan with Wachovia ( now Wells Fargo ) The cabin was being finished with the construction to perm loan and I was notified that XXXX XXXX was not accepting any construction loans and the loan was accelerated. 
I spoke with the construction department and hired an attorney but the loan was accelerated and the cabin was foreclosed.