23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I began my first modification on my home XX/XX/XXXX, a lengthy process that resulted in my mortgage going from {$2200.00} to {$1100.00}. In XX/XX/XXXX, I missed my payment by a week and tried to double my payment in XX/XX/XXXX and was told no and that my entire modification had to start over. Also was informed that the balance that accumulated from the first modification would be apart of XXXX modification. From XXXX XXXX XXXX, was the time frame of XXXX modification causing total balance to grow to XXXX. During the modification process forms were submitted in the beginning and in the months in between were frequent calls from PHH of appointment setting and appointment reminders, which I believe just stalls for the company to grow balance owed from me. In XX/XX/XXXX, I called PHH to see how they would accept XX/XX/XXXX payment and was informed my home was in ACTIVE FORECLOSURE because forms I submitted was missing my middle initial. PHH failed to notify that I needed to resubmit documents. I had XXXX weeks to sign their idea of a modification were my mortgage stayed the same, despite me providing proof of pay cut, but the accumulated balance that only accumulated, because of their unnecessarily lengthy modification process, was put the the back of my loan giving me a " clean slate. '' I signed documents agreeing because I didn't want to lose my home knowing that I didn't receive a fair modification. My mortgage staying the same would ultimately put me in the same position again being that I have a pay cut. Upon entering my " new '' agreement I requested an investigation be opened on why my mortgage didnt go down. The agent on the phone " mistakenly '' mentioned my new mortgage was then {$610.00}, and I had her repeat 3x. When questioned about the {$2200.00} mortgage she then admitted she was " looking at the wrong account. '' She had to verify she was speaking to me when we first started the call. She then admitted her " mistake '' and that my mortgage would be {$2200.00} and that she would request research team to investigate my modification. Today, XX/XX/XXXX, I called to see why new mortgage wasnt updating received no help from representatives. I was told I only had to pay {$1100.00} this month but next month would be {$2100.00} with still no word from research team. ( I requested research team to start investigating on XX/XX/XXXX. ) I am never able to speak to a supervisor about my account, a supervisor is conveniently never available. The file that will be up loaded is the dismissal of foreclosure notice. I have no other documents because PHH havent provided me with any. I have nothing in writing of the process they just put me through but i have requested something from their department I have yet to receive. Hoping that the letter I upon is some proof of the pressure I was put under to sign a modification agreement that didnt serve me.
Product: Mortgage

I received a XXXX for $ XXXX from my Mortgage lending company regarding a home owners insurance claim for year XXXX. XXXX is for non employee compensation - in this case, my insurance company sent funds to my escrow account ( due to home owners loss ), whom held my insurance money and disbursed to me as needed to repair my home. 

US Bank states it was reported correctly, but will not follow thru with their reasoning. I am looking to get this resolved but US Bank is unwilling to research further. 
My ex husband use to be on this loan whom claimed bankruptcy in XXXX. " I '' did not file and I have never missed a payment but US Bank claims they can not call, email me, etc. because of bankruptcy which was discharged in XXXX. " I '' have been advised by US Bank to request the Bankruptcy to be reaffirmed. I have repeatedly told them, " I '' can not reaffirm something '' I '' did not file. US Bank has treated me unfairly and rudely since the XX/XX/XXXX filing even though they have received every penny in which I owe them and on time. I feel US Bank will not look in to IRS question above simply because of this bankruptcy which has not affected US Bank in any way. 
I am looking for answers on the XXXX I received, as i believe it is in error.
Product: Mortgage

My loan servicer sold my loan to Carrington Mortgage. They failed to provide me with the account information needed to make payments online even though I havent missed a payment since buying my house and have been on autopay. The new loan company also closed my loan which caused my credit score to drop over XXXX points due to the loan servicer changing. They were rude when I called to request account information to be able to make a payment. When I mentioned the XXXX grace period the agent became upset and told me I was behind on my account and she was trying to collect a debt. This is unacceptable.
Product: Credit card or prepaid card

i called capital 1 credit card manager XXXX said she wont give me {$38.00} late fee credit. my payment was not late i paid it on XX/XX/XXXX at XXXX central time and she said it aint late til XXXX eastern time which it would not make it late. i did the payment on the capital one website so i have proof in writing that it was not late and paid by XXXX centeral time so i will not make anymore payments to this card until im credited this late fee of {$38.00}. and a late fee of {$38.00} is quite high for a late fee and im disputing this. until i get {$38.00} late fee no more payments will be paid to this card
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX  On XX/XX/XXXX Xoom XXXX transaction XXXX  was initiated at XXXX. The funds from my bank account were taken within 30 sec of starting the transaction. During the setup Xoom XXXX stated the funds would be credited to recipient account in 3 minutes. 
It was noticed that the transaction status remained unchanged till XXXX XXXX  so I decided to cancel it. 
It was a typical case of misspelling the services and misleading the client. The transaction was in freeze mode for almost 5 hours with no update from Xoom XXXX. When it was reported to customer services, they failed to provide a satisfactory reply. 
It was unacceptable that though Xoom XXXX debited customer account immediately but failed to complete the transaction within stipulated 3 mins. Further customer service didnt follow the SOP of informing the client when transaction for any reason was not completed. 
Xoom XXXX commits to complete funds transfer in 3 mins but when it fails, it doesnt inform the sender about it thus keeping customer 's funds for long and no explnation given to client.
Product: Credit reporting or other personal consumer reports

Per the FCRA as a federally protected consumer. I am now opting out of any and all authorzian. I the consumer may have given you ; written, unwritten, verbal and nonverbal per 15 U.S.C. 6802.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section XXXX of this title. 

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

In accordance with FAIR CREDIT REPORTING ACT XXXX  account # ending XXXX from XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602A states I have the right to privacy.

15 U.S.C 1681 604 A section 2 It also states that a consumer reporting agency can not furnish my account without my written instructions.
Product: Credit card

I've been looking at my credit report lately because I am trying to get in position to buy a house. I noticed Citi Bank reporting late payments on my report that is not at all accurate and this information is extremely damaging to my credit worthiness. I was taking a look at my card member agreement and noticed thatI have the right to arbitration in disputes. I am demanding Citi Bank update these late payments asap as they are a violation of my consumer rights under 15 USC 1666b in which a creditor is not to report late payments. Also I do not give Citi Bank permission to report any information to ANY third party that is adverse to me the consumer. Time is of the essence
Product: Credit card

I have used Chase Credit Card check for 3 % interest last year. I remember that I need to pay in full in XXXX, 2016. So I paid in full much early than due date Chase specified. But I still being charged for interest {$96.00} at interest rate 15.49 %. I am a very careful small business person. But I have still been tricked by these Cunning bankers. Banks and their politicians would like to get rid of CFPB so that they can suck our blood dry, these Greedy bunch. No wonder, American Peoples hate them.
Product: Mortgage

I requested an on line mortgage payoff statement from Dovenmuehle Mortgage Co on XX/XX/XXXX. The statement indicated a total payoff amount of {$340000.00} if paid before XX/XX/2020. Due to quarantine restrictions and on line banking daily payment limits, I sent 4 successive on line payments to Dovenmuehle totaling {$340000.00}, which they received and posted to my mortgage account by XX/XX/2020. 

As of XX/XX/2020 my outstanding principle balance was {$3600.00} per Dovenmuehle 's on line activity statement. I reviewed my loan activity and called Dovemuehle on XX/XX/2020 to request that the portion of each of those 4 previous supplemental payments not allocated to principal curtailment be allocated to principle. I was told that this was a manual bookkeeping step and that I should check back on XX/XX/2020. 

I called Dovenmuehle on XX/XX/2020 and spent roughly 5 hours on hold and speaking to various customer service reps, supervisors, and loan recovery staff. I also requested a current Payoff statement which now showed an additional {$770.00} to payoff the loan. I also noticed that the sum of my late XXXX payments of {$340000.00} were added back to my mortgage balance and according to discussions with Dovenmuehle put into a suspense account. The XX/XX/2020 payoff balance was by Dovenmuehles admission, 17 days interest on the {$340000.00} balance which remained in their system as my payments of {$340000.00} were reversed out of my account and booked instead to that suspense account. Dovenmuehle couldn't explain why all my payments including those previously booked as principal curtailments weren't subsequently rebooked as principal curtailments. They remained in suspense as of XX/XX/2020. 

No one I spoke to ( Supervisor XXXX, customer service XXXX XXXX, et al ) had the authority or interest to restate the accounting or modity the final payoff statement. It is my contention that the additional interest of {$770.00} to pay off my mortgage by XX/XX/2020 is unwarranted and based solely on Dovenmuehle 's decision to rebook my mortgage payments into a suspense account to either penalize a mortgage payoff or to take advantage of the current COVID 19 restrictions.
Product: Money transfer, virtual currency, or money service

I have made two wire transfer on XX/XX/XXXX in the amount of {$25000.00} on XX/XX/XXXX in the amount of {$20000.00} Both from Chase bank XXXX XXXX XXXX ) to my Broker XXXX ( XXXX XXXX XXXX XXXX I got the first wire of {$25000.00} in my broker account on XX/XX/XXXX, only after that I made the 2nd wire of {$20000.00}. But that money never arrive in my broker account on XX/XX/XXXX or after even chase showed it as complete. 

I have called the chase on XX/XX/XXXX to recall the wire, the chase representative over the phone said she has helped me to recall the wire and the {$20000.00} should be in my account the same day. But it never came, and I have since call chase 3 times on XX/XX/XXXX, each time they claimed to help me, but every time the call ends up been disconnected after transfering. 

I have attached the photo of my wire records.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted ATg Credit LLC several times over the past year and half to remove their collection from my credit report. I have paid the past due amount of {$64.00} directly to the original debtor and notified Atg Credit LLC several times of doing so. They continue to say the will get back to me and still have yet to do so or remove the debt collection which is no longer in action. I have proof!
Product: Debt collection

Professional Credit Anyalysis is trying to collect a debt I have no knowledge of. Im not asking for validation and I just want these people of my credit report. I also find it odd that the original creditor reports as another collection agency called XXXX XXXX and would like the Consumer Financial Bureau to investigate this. Also another odd thing is I have searched there address and it is a abandoned building. From what I search on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, XXXX, and Experian in the middle of the year 2021. It is now a new year and I still haven't received anything back from either reporting agency. 

According to 15 USC 1861i ( a ) ( 1 ) ( A ) XXXX, XXXX, and Experian have 30 days to respond to my dispute. 

This is a violation of my rights according to the USC laws. 

Account info : 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: Mortgage

My wide & I have been looking for a house on XXXX for a few months & the site suggested we talk to a loan office to get pre-qualified. We submitted our information and soon enough XXXX XXXX XXXX from IMortgage called us to discuss the process. 
We gave him all the necessary information and within a few days we had a pre-qualification letter for {$300000.00} and we started to talk to a real estate agent. We found the house & started the process of getting the mortgage. The numbers from IMortgage were good & we believed the house was affordable. We paid the Due Diligence money ( {$1500.00} ), the Ernest money ( XXXX ) and paid for inspection ( {$490.00} ). I also was told to pay my taxes in full ( {$10000.00} ) instead of monthly installment. 
We had the closing date set for XXXX XXXX and everything seemed to be working fine. 
Just two days before the closing, XXXX XXXX called me and stated something is wrong with the number. He made a mistake & did not calculate the HOA fees correctly and so we can not close on the house. That was a decision from the underwriters and there was nothing he can do about it. 
I called his supervisor ; XXXX XXXX XXXX to complain who promised to find a solution and will call me back be he never did. Instead, XXXX XXXX called to state he knew I called his supervisor but still, there 's nothing he can do. 
My lease on my apartment ends on XXXX XXXX and the apartment management told me that we have to vacate it because it 's already rented. I have a XXXX woman & a XXXX year old daughter and I 'm not sure what to do or where to go. Our lives are a mess because of their mistake and they 're not even showing any remote compassion for us.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account XXXX : XXXX XXXXXXXX Account Number : XXXX
Product: Credit card or prepaid card

I applied for the XXXX  XXXX card with Bank of America. I was denied even though I have very excellent credit and a very low credit utilization. 

I've had a working relationship with Bank of America since 2015. I can provide pay statements and asset history as I make well over $ XXXX a year. I hardly have that many inquiries on my credit report and I really wanted to use this card as I'm traveling more for work now.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound concern and disappointment regarding the handling of this attempt to remove fraudulent items. Despite previous efforts to rectify this issue, I am troubled by the persistent presence of fraudulent items. These recurring problems not only undermine the credibility of the process but also raise serious concerns about the effectiveness of the measures in place to prevent such occurrences. In conclusion, I trust that you will give due consideration to this matter and take decisive action to rectify the shortcomings observed during this attempt to remove fraudulent items. Failure to address these issues promptly compromises the integrity of the process and undermines the trust. With this, I am asking for your assistance to remove the fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXI XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Late Payment for XXXX XXXX XXXX Account number XXXX was as an direct result of XXXX. I asked for the company to remove the late payments and to mark the accounts as Paid As Agreed. It is not fair that I or anyone would have to wait over 7 years to have late payment removed especially when the late payments was as a result of an disaster. My financial obligations to this account is up to date and should reflect that all payments was received. However, that is not the case and I am respectfully requesting that the accounts be marked as Paid As Agreed.
Product: Credit reporting or other personal consumer reports

i requested that they provide me with a debt validation letter like this one. 

VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.

They did not provide me with any real proof of investigation of these accounts. They have put up clearly that the accounts are over 7 years and still continue to reflect them on my credit report under the FCRA 15 U.S. Code 1681c ( a ) - accounts are to be removed from your credit history after 7 years.
Product: Checking or savings account

USBank is sending me much too many spam marketing emails. These are pure spam marketing email, not notifications about the accounts etc. I have no problem with useful emails. I'm talking about strictly marketing. 

These spam emails have no unsubscribe option. 

There is no preference in my account profile online to opt out of marketing spam. 

I call the best number for consumer support at USBank to get them to opt me out of their spam. They moved me to another division. They transferred me to another division, they transferred me to another division. That division was going to put my call through after I convinced the computer that neither of the two options they offered were my problem, but it disconnected me. I did a web search and found a special page to opt out of USBank marketing XXXX. It had a number to call. I called that number. 

After investigation USBank 's opt out specialist couldn't find a way to opt me out of USBank marketing spam. 

This may be the wrong place to complain, but unsolicited marketing spam should provide an opt out link on the email.
Product: Mortgage

my mortgage with Green Tree as the servicer got foreclosed on in XXXX at XXXX sale then I got a satisfaction of mortgage in XXXX from Green Tree Servicing LLC before the redemption time was up. Then in XXXX. I received from Ditech Financial LLC that my terms of my Account Modification Agreement my interest rate is to change and my payments start on XXXX/XXXX/XXXX also received the same notice for my ex wife that had nothing to do with my mortgage loan I took it out to pay her off in the divorce. then on XXXX XXXX I was served with NOTICE TO QUIT LEAVE AND VACATE then with a COMPLAINT FOR FORCIBLE ENTRY AND DETAINER from XXXX XXXX MORTGAGE XXXX then I went to court today XXXX of XXXX plaintiff appeared by phone I did not have a lawyer and I had all the paperwork and a witness but I lost in court. I have been protesting the foreclosure way before it went to sheriff sale because of misused escrow funds and harsh collection tactics missing payments over paid insurance modifications not recorded broken chain of title and fraudulent foreclosing methods. my mortgage was assigned to MERS when I took it out in XXXX then assigned Green Tree Servicing LLC in XXXX as recorded to XXXX XXXX clerk but I made payments to XXXX Mortgage then XXXX loan Servicing that were not recorded also my satisfaction of mortgage is signed by someone that works for Green Tree Servicing LLC as assistant secretary for MERS the same on assignment of mortgage to Green Tree Servicing. I 'm still in my house but if I ca n't get it stopped FORCIBLE ENTRY AND DETAINER will be in three business days is there anything you can help me with? XXXX XXXX MORTGAGE XXXX is not on any of the recorded documents before foreclosure not until after I got satisfaction of mortgage from the XXXX clerk.