23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX of XXXX my father-in-law passed away, he had an existing mortgage held with Bank of Albuquerque ( conventional loan ) with a balance of about $ XXXXHe signed this loan in XX/XX/XXXX. The mortgage company offer forbearance well covid was happening, they offered this for about 18 months. We started probate in XXXX of XXXX and in XXXX of XXXX we received the deed for the property ( my wife his daughter is was the executive of the estate ). We submitted this documents to XXXX  and at the end of the forbearance which was in XXXX of XXXX they billed us for all past payments and accelerated the loan, it was about {$20000.00} due that we could not afford to pay. From my understanding they are not legally allowed to do, because even as of now they have not allowed us assume the loan or even refinance. I took us a year of going back and forth but by the end of XXXX they started to foreclose, and in XXXX of XXXX we learned about the home loan grant ( at this point the loan was now at around {$110000.00}. My wife was able to apply for the grant was approved, we applied the {$30000.00} grant plus around {$8900.00} out of pocket to make the loan current and they proceed a reinstatement. This took them 6 months, so by XXXX of XXXX it was completed. They have yet to let us assume this loan and is still under the XXXX of Mt father-in-law. I have been told by attorney that they should not have done this to us and if breaking their fiduciary responsibilities. I would like some help please and if you have any question please reach out. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out that there an error on my credit file when I reviewed it. Based on this Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the 3 credit bureaus must correct this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$4900.00}.
Product: Credit card

Dear Sir/Madame, During period of XXXX to XXXX, I had an account with Bank Of America ( BOA ) and also had an associated Credit card with them. I have been very disciplined with my financial affairs to date and never had any history of even late payments towards any bills. I left XXXX for good in XXXX, to my home country as my working visa got expired. Also I closed my BOA accounts in XXXX XXXX. 

As per my understanding, the associated credit card also would have got closed.There was absolutely no indication from the bank that the Credit card needed to be closed separately and that it does not go along with closure of my main bank accounts. However, it looks like it did not happened. 
An auto renewal cost from XXXX got applied to my credit card on XXXX XXXX which was quite unexpected since i had already sent in a request for closing the account with XXXX and received an email from them clearly stating that it had been closed way back in XXXX XXXX. 
Worst case being that i was unaware of this charge to my credit card since, the credit card statement was NOT Paperless and all intimation regarding the pending payment could not reach me, as I was out XXXX. Also, as my account was closed, I was not in a position to check the account status online. 

Now, I came back to XXXX on XXXX XXXX and opened up new Account with BOA. To my surprise, I see that there is a pending credit card payment of {$340.00} charged on me - towards Annual Payment charges and late fees. 

My contention is that, these charges being baseless and also, there was NO way I would have been aware of them, I am in no way to be considered as a " defaulter ''. Furthermore, there was no communication through email about any of these charges. Now, it has effected my credit report also very badly leaving me in no position to apply for a credit card or any other financial services from any bank for absolutely no discrepancy from my side. 

Talked couple of times with BOA Credit department, but as per them they could not help me in the matter.In the context I would like to seek following help from your end : 1 ] Reverse the pending charges and payments, for the reasons stated above and hence am not liable for the issue. 
2 ] My Credit Report needs to be refreshed by withdrawal of reported " default payments ''. 

Thanking You, Yours Sincerely XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When my lender tries to pull my credit report it's not showing up because of a technical error or some error. I called equifax and corelogic and they said there's no freeze on my report. This error is causing me not to be able to get my home loan and needs to be fixed asap. 

XXXX XXXX has tried to pull my Equifax report numerous times and is unable to. They do not have a problem pulling it from XXXX and XXXX.
Product: Mortgage

Wells Fargo offers mortgage customers the ability to pay their mortgage online for free however, every time I have attempted to do this I have received the message, " Please try again later. Wells Fargo Online is temporarily unavailable. '' So, if I do n't have time to mail my payment I have to pay it over the phone which costs {$15.00}. I believe that having the system always unavailable forces mortgage customers to pay the {$15.00} fee. Also, when I spoke with a representative about this issue he gave me an XXXX number for the tech department. When I called this number the automated system asked for my account number. When I entered my account number it said it did n't recognize that number and I could n't get any further. It does this every time I call.
Product: Credit card or prepaid card

I applied for a Discover prepaid card and was approved on XX/XX/XXXX. They withdrewthe deposit on XX/XX/XXXX and opened the account on XX/XX/XXXX. After approval and before even receiving the card they asked for more information on the XXXX. This ended up including a tax form plus a notary form. They said it was for identity verification but did not explain that it included 3 months of my personal account balances. I received the card on XX/XX/XXXX and assumed the tax form was enough. When I tried to use the card I found out it had a soft hold on it. At this point I felt deceived and misled and once I saw the form and what it asked for, I refused to submit back balances to have a non-working prepaid credit card. During the whole process I was switched to different people, none of whom could provide answers or anyone who could. Discover planned to close the account on XX/XX/XXXX but forced me to close the account in order to speak to a higher representative. I said I just wanted the account closed so I could get back my deposit. They closed the account " at my request '' knowing this would prevent any further action from me about the account. When I contacted the XXXX  Discover reached out and sent the refund, but also said they would look into the issue of how this whole ordeal damaged my credit. They've never addressed this issue. They've never contacted me as promised, and when I contact them I get the usual spin. They only damaged me, they never even gave me a card I could use once, but kept my money for almost 2 months, earning the interest I could have earned. I have only been damaged by this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently tried to buy a house and realized there are inaccurate unverified fraudulent damages under the name of XXXX XXXX. According to the 15 USC 1681 law these damages are defamation to my character. I have attempted to reach out to this company 3 times starting from XXXX if 2022 prior to this complaint to resolve this error and have only received a system generated correspondence. No proper investigation or proof/method of validation was provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX National Credit Systems , Inc . 
P.O. XXXX XXXX XXXX, GA XXXX XXXX XXXX. Certified Mail/Return Receipt # XXXX XXXX Alleged Original Creditor : XXXX  XXXX  Alleged Original Creditor Account number : XXXX XXXX  XXXX Name : National Credit Systems , Inc . 
Debt collectors account number XXXX Alleged Debt Amount or Balance : {$4200.00} Current Creditor : National Credit Systems , Inc . 

Dear National Credit Systems , Inc . 

I recently received communication from you to collect the above-listed alleged debt. 
Your initial communication to me in attempt to collect he alleged debt was within 30 days ago. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe. Cease and desist all collection activity, including all reporting to consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your request to CRAS to delete your reporting of the alleged debt. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related Information herein. Be advised, if you fail to comply with this demand letter, I may turn the matter Over to an attorney. 

Sincerely, XXXX XXXX XXXX S.S. N. XXXX DOB : XX/XX/XXXX Enclosure CC : Consumer Financial Protection Bureau via fax and or email @ XXXX
Product: Mortgage

My wife and I bought our first house but the Loan was sold to the Money Source Inc. After being with them for a Year we Refinanced with them because we received a call from XXXX saying they can lower our Mortgage Payment. Which was great. Get to save some money. Or at least we thought. Well not really. We follow through with the XXXX and all of a sudden we never heard back from XXXX. A bit disrespectful towards us considering we had Multiple Questions regarding the Refinancing. Well then we had the fortune to speak with XXXX who followed the rest of the Refinancing with us. We asks numerous Questions regarding the Escrow, Taxes and she reasured us that she double checked everything and because of my XXXX Exception it lowered everything. Alright great well until we finished the Refinancing Loan. We get a Call from our Home Owner 's Insurance Company saying they have n't received payment and our policy is about to lapse. That was taken care of. Later we began inquiring about our Escrow Funds in for the Previous Loan and never been told about it or asked they applied the Entire Balance to the Refinancing Loan. Then until XX/XX/XXXX we receive the tax document Saying we need to pay {$2700.00} to MONEY Source because they under estimated taxes and escrow. If we do n't pay it our mortgage will be over {$1700.00} a XXXX. But if we do are Mortgage Payment is going from {$1300.00} to over {$1500.00} a month. Which we do n't have. Clearly there was n't any reason for us to Refinance except for Money Source to XXXX over a XXXX and Family out of their Money. Even though it 's something we asked them Multiple times about but clearly someone is n't doing their job Correctly or They do it for Profit.
Product: Mortgage

Loan officer XXXX XXXX, XXXX # XXXX, instigated a loan application with Loan Depot on XX/XX/XXXX, loan number XXXX. We did not request a new loan. We already have a loan with Loan Depot and are satisfied with the 2.75 % rate. I did not respond to the loan application. On XX/XX/XXXX we received a notice that our application for a loan was refused. It was titled an " Adverse Action Notification ''. In the notification it said the reason that our application was turned down was because of our credit rating of XXXX. Remember that we didn't apply for a loan. Today, XX/XX/XXXX, our credit rating is XXXX. Its obvious that because of this so called loan application refusal our credit rating has been severely damaged. Also, in the future, if we find it necessary to apply for a loan we will have to answer that we have been refused a prior loan application. I believe XXXX XXXX saw a prior request from XXXX asking for information about mortgage rates. That prior interest was dropped because the cost to refi was too high. I believe he was fishing and when he received no response we received the Adverse Action Notification that has permanently damaged our credit rating and our potential for obtaining a mortgage in the future. I believe XXXX XXXX 's actions were completely un-ethical. Also the Adverse Action Notification should be removed from our financial history and our credit history should be returned to it's deserved rating. XXXX XXXX, at the least, should be reprimanded and be put on watch to be sure he doesn't scam another person. 
XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2020 a purchase was made for a 2pc suit using Capital One credit card in the amount of {$320.00}. This buyer received only one piece of item from this purchase. This package was returned USPS ( Tracking # XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/2020, this item was dropped off at the USPS. This package has not shown any movement since the drop off date of XX/XX/2020 and declared lost in transit. Several attempts were made to Capital One Bank to resolve this issue to no avail. Need Help.
Product: Mortgage

DATE : XX/XX/XXXXXXXX TO : FAY SERVICING , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX FROM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX RE : Notice of Error Mortgage Loan Number : XXXX Please accept this letter under RESPA and/ or TILA. 

I am writing to request the information described below in regard to the mortgage on my property at XXXX XXXX XXXX. XXXX, Al XXXX. 

My account was charged a total of {$610.00} on XX/XX/XXXX that were applied toXX/XX/XXXX for fees in relation to XXXX XXXX XXXX ( attorney fees {$300.00}, {$240.00} publication cost, and sales cost {$75.00} ), in connection with a wrongful foreclosure, upon investigation XXXX XXXX XXXX stated in written and verbal response that their firm did not publish anything related to my property after XX/XX/XXXX my file was closed on XX/XX/XXXX, and my home was never sold. XXXX waived these fees onXX/XX/XXXX along with ( 2 ) two property inspection fees of {$15.00} each ( see attachment ). Please waive these bogus fees, or produce itemized invoice documentation! Accounting irregularities have existed for quite sometime now, hopefully your company can investigate and fix these errors along with others. ***Note there a difference of {$1000.00} in XXXX XXXX XXXX XXXX totals! 

P.S. Fee was not included in/ on FDCPA Validation Notice dated XX/XX/XXXX 

Thank you for your cooperation as we dont want to lose our home and this information will help us to save our home. 

If you need to contact me, I can be reached at, XXXXXXXXXXXX, or XXXX XXXX XXXX. XXXX, AL XXXX. 



Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

I want to validate the company and get paperwork in regards to how much is owed and verify that the company is valid before setting up a payment plan with a company i have never heard of and/or cant find via internet search. Every site I go to states its scam collectors. I 've been scammed out of money before and will not again.
Product: Credit card

On XX/XX/XXXX I attempted to make a regular online payment on my CitiBank Credit card, due on XX/XX/XXXX. Unbeknowst to me the payment was set up from an account I dont usually use. I logged into my account on XX/XX/XXXX to confirm payment was posted and there was no notification of an issue with my payment. 

On the morning of XX/XX/XXXX I recieved an email indicating another payment method is required, which alerted me to my error. I resolved that my making a payment from my intended account the same day. When i examined the charges to my inactive bank account, it reflected that Citibank attempted three different times to obtain payment, without my knowledge or authorization, subjecting me to three different insufficient funds charges totally {$75.00}. When I called customer service, I was initially told, that is " what the system just does. '' I asked to speak with a person above them who them blamed my bank for running it 3 times. I asked for a copy of their ACH payment policy, which I was told I could find online. I could not. I asked to speak with the person above them, the call disconnected with no call back. 

I verified with my bank on today that Citibank did attempt to debit the account 3 total times on XX/XX/XXXX, XXXX and XXXX. I called Citibank back whereI was told there was " nothing anyone could do, its just that way. '' I asked to be escalated and again I was hung up on.
Product: Debt collection

Credit Collection Services has called over 200 times in one week, they call from 7 different numbers in each day.
Product: Debt collection

This isnt my collection I was not notified about it at all just appeared on my credit report.
Product: Debt collection

XXXX, debt proof, own no real estate, only income is social security. I did not receive any type of notification concerning credit card. I was not able to pay in 1921 due to sad situation and lost last of my money. I received a summons for court date for XX/XX/XXXX to appear in General Sessions court of XXXX XXXX. I am not able to pay this debt. By the time I pay rent, utilities, car insurance, secondary health care insurance, phone, WIFI, and food usually go with only few dollars for last two weeks of month. I do not have cable tv and furniture old. I completed a protected income that allows up to XXXX XXXX dollars protected property including my car and filed with clerk of court. I had major XXXX and XXXX which left me on a walker. I can still go to XXXX XXXX and shop for few groceries. Thank You
Product: Bank account or service

RE : XXXX ; WELLS FARGO NEVER requested to its Loss Prevention to have accounts ending in checking : XXXX and Savings ending : XXXX reopened or request to have the " Hard Hold '' removed based on the supporting documents received in Loss Prevention on XXXX/XXXX/XXXX supporting the deletion of the inaccurate and incomplete information by its Affiliate XXXX. The request, was made by WELLS FARGO, was ONLY to close the accounts to cover-up its Discriminatory Practices and VIOLATIONS of ECOA As Amended for protected traits ; race ( XXXX ) ; sex ( male ) ; age ( XXXX ). I have been singled out by WELLS FARGO and retaliated against, treated unfairly in an attempt to " get rid of my accounts '' for filing this COMPLAINT with the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent my dispute letters to Credit Bureau numerous times and Credit Bureau is refusing to investigate into existing problem. I have pulled my report from all three credit Bureau in order to COMPARE my reports and I found numerous incorrect information and DIFFERENT information on each Bureau ; I can tell they didn't even try to verify information from my dispute letters. I have also obtained my report from XXXX different sources who provide credit report, so I can proof now, they my rights as a consumer were violated. 
In accordance with the Fair Credit Reporting act. The List of account bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX - XXXX ; XXXX XXXX XXXX  - XXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 US.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c. ( 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 crime which antedates the record by more than XXXX years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person known or reasonable cause to believe that the information is inaccurate. 
I'm exploding my rights and I'm filing complaint to Attorney General as well.
Product: Credit card

I made a payment of {$900.00} on   XXXX   I expected the money to be accessible by  XXXX . I checked my card the balance on the card reflected my payment but the available funds were {$0.00}. I called and I asked what I could do about it. The first person I spoke to told me that my payment would n't be available until Tuesday because my payment was too large and that I had to wait until my bank confirmed the funds and then once the bank did that I could call them back. I told them that I payed {$1000.00} last month and that went fine. Then, she told me that it was put on hold because my payment from  XXXX  months ago was not completed. As a solution, she recommended applying for an extension of credit online. I asked to speak to a supervisor. This person, a supervisor in the fraud department, told me that it was on a hold and there was nothing they could do about it until the bank clear the funds. I told him I 've had the card for years and it has always worked the same way. I pay, the money, it is available the next day and the payment comes out of my account the day after. Always. Including last month, which was the month after the incomplete payment. I asked to speak to his supervisor or at least someone from a different department, he said he was a supervisor and anyone else I talked would tell me the same thing. He put me on hold and then came back on to tell me that I had  XXXX  incomplete payments over a period of time and that was why my payment was on hold. I told him that it might be the case but what was the cause of the hold in payment now and how could I access my money, or at least part of the payment. He kept repeating himself about when the bank posted the payment and how they could n't do anything until they had confirmation etc. I told him that we were going around in circles and at this point I would like to talk with someone else. He said fine. He put me back on hold. I was transferred to another supervisor in the fraud department. This person went about telling me the same thing as the last  XXXX  people I talked with. I told her that there has been a change in credit card policy from last month to this month and I was n't notified  XXXX  prior nor was I given an option to opt out. She said putting payment on hold that this had always been the policy. I asked why this had never occured before. She said that sometimes they do n't put a hold on the money and that they do n't know about the hold until after the payment has been posted. I asked I could speak with the person who made that decision. She said it was a computer. I asked if I could speak with her supervisor and she said no. I asked if there was anyone else either higher than her or in a different department I could talk to about my payment. She said no. Then I asked that they close my credit card and issue me a refund for my payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account with AD ASTRA RECOVERY SERVICES, INC. was paid in full. ( Please see attached letter ). The loan was XXXX {$400.00}. It is now in collections on XXXX XXXX, XXXX and XXXX. I called the 3 credit bureaus to have them to remove it, but the representative told me that I need to provide them a letter from the creditor showing that it should be removed or deleted from collections and not showing paid in full on the letter. I would like help of removing it from collections on all credit reports a.s.a.p. Thanks You