23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have attempted to contact my servicing company 3 times with respect to a canceled auto debit that caused me to need to pay a {$10.00} fee to avoid a late charge. I suspect CMC Funding ( XXXX, XXXX ) has done this to many others as well. Below is the text of the message I have sent them without response. In addition to the problem described below, they collect escrow to pay property tax and insurance. I am now 6 months into them servicing my loan and my county ( XXXX, OH ) still has the old servicer as the tax mailing address. This means that my tax bill never get to this servicer and I will need to come out of pocket to pay property tax and the servicer will just continue to accrue my escrow payments. I informed CMC funding that the tax mailing address was still wrong several months ago and no correction has been made. Interestingly, they have a " consumer advocate '' whose website is not functional ( when clicking on links I get an Error XXXX ). Please intervene to correct the issues described. I would like the {$10.00} late fee applied to my principal balance, my entire escrow balance applied to my principal, canceling of further escrow payments without penalty ( I will manage my own property tax and insurance payments since this servicer is incapable of doing so ), and the extra payment I made in XX/XX/XXXX should also be wholly applied to principal as well. Thank you. 
Begin message sent to CMC 3 times to date : My autodraft originally scheduled for XXXX XXXX was canceled without my consent after I modified the autodraft to add some additional principal. The confirmation said this would take effect XXXX XXXX but gave no indication that the XXXX draft would be canceled. I had call with your customer service that confirmed no late fees would be assessed. I did n't realize the autodraft did n't post until XX/XX/XXXX at which time I scheduled a one time payment with a {$10.00} fee for the XXXX. During the process I inadvertently scheduled XXXX payments. Provided that the XX/XX/XXXX autodraft will draw as scheduled ( please DO NOT cancel this ), please re-cast the payment that posted XXXX XXXX to reflect the payment due XXXX XXXX ( as posted ) and credit the additional {$2600.00} paid on XXXX XXXX to principal instead of towards an early XX/XX/XXXX payment. Therefore my XXXX XXXX autodraft will make the XXXX XXXX payment. Please also refund the {$10.00} online payment fee and credit that towards my principal as well. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved and deleted as soon as possible. 
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 XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021
Product: Bank account or service

I have a checking account at US Bank in XXXX, Oregon. I live only on Social Security. I am XXXX years old and I forgot to record an automatic transaction from my checking account. I was then notified that I was overdrawn. I planned to take care of it as soon as possible but the bank accumulated late fees daily for 16 days and charged me {$600.00}. They new it would n't be covered until my next Social security was deposited but still tacked on unbelievable fees.. I explained the situation at my local bank and the manager would n't relieve these charges.
Product: Checking or savings account

I still have not received my money from CitiBank. They have no right to keep my money after closing account. In response to Citi Bank 's promotional offer, I opened a checking account online on XX/XX/2022. During the application process, Citi Bank prompted me to fund the account with New-to-Citibank funds to qualify for one of the New to Citi Checking Cash Bonus Offer. To qualify for the {$700.00} cash bonus, and through an ACH transfer, I funded my new Citi checking account with the required deposit amount of {$50000.00}. The money was transferred within less than 24 hours from my XXXX XXXX account. A day later, on XX/XX/2022, I was locked out of my Citi Bank online access/mobile application. After contacting Citi 's customer service, I was told the new checking account will be closed and a check for the {$50000.00} will be issued within 60 days. Citi Bank promotional offer requires new account to keep the deposit amount for 60 days to qualify for the cash bonus but now that the new account is closed, Citi will keep the deposit of {$50000.00} for 60 days but without me receiving the cash bonus of {$700.00}. This is a classic bait-and-switch scam. To resolve this matter, I would like the check of {$50000.00} to be issued ASAP. They have no right to keep my money for 60 days since they will be closing my new checking account. If the check ends up being issued after 60 days, I expect another check for {$700.00} as the cash bonus promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is in regards to the XXXX/XXXX 2017 Equifax breach. I had just learned about the breach on X/X/2017, and evidently Equifax did not notify customers that their personal identifiable information ( SS #, name, address, birthday, etc ) had been compromised as soon as they learned about it. Such negligence could have allowed numerous hackers to commit identity fraud that could have been prevented. They are also defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 
In addition to Equifax 's negligence, XXXX, XXXX, and XXXX should NOT be charging customers with potentially leaking information a fee to set up a Security Alert. A police report should not be necessary in situations such as a massive hack. 
Furthermore, they have a responsibility to notify EACH and EVERY individual who was a victim of this hack.
Product: Mortgage

I was cold called XX/XX/19 from my mortgage company, Quicken loans. A salesman asked if I would be interested in an offer to make my mortgage cost less over time. 

I told him I would be interested in learning more, but he pressured me into saying specifically that I would be interested in doing something like this. He even put in a bit of a snide " it's a simple question '' to pressure me. 

I confirmed I would be interested, and he told me some details. I asked to be emailed more information on this, and I would not confirm that I was willing to start these proceedings. I was very careful in stating that I do not approve of this and I wanted more time to think it over. 

He continued to pressure me and try to counter any justification I had for waiting. I told him to have a nice day and hung up the phone. 

He proceeded to call me back at least three times. I did not answer, and I turned my phone off after the third call. 

I did not say that I was willing for him to pull my credit, which he did. I wanted more information about what he was offering. If he took my consent of being interested to mean that he was allowed to pull my credit information, it was not informed consent. I had no idea he would make any credit inquiry and he didn't try to confirm that with me. 

He only asked for my last 4 digits of my social for identification purposes. He specified he was asking for those numbers for identification purposes. 

I logged in to my account online and saw that he had started a refinance process on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Received a letter from Unifin on XX/XX/year>, stated I have a {$7300.00} original from XXXX XXXX XXXX XXXX. I have no knowledge of this account and debit. Unifin has no information on this account or the debit also.
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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX Account Name : XXXX  XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX - XXXX 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 or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence l provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. These are the accounts that I marked inaccurate. 

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
Product: Bank account or service

Wells Fargo branch in XXXX, PA XX/XX/XXXX/XX/XX/2015 opened accounts under the false pretext of saving me account fees. Since then they have collected fees of {$170.00}. Part of the " deal '' to avoid fees was an XXXX XXXX Credit card which I never authorized a transaction on and I now show fees of {$46.00}. 

I want {$22.00} returned to me immediately and all charges past and future wiped out. I want to cancel XXXX and the Business account and all fees repaid. 

Further, just a comment on Wells Fargo and the other large banks. We need convictions and long jail sentences for bank executives.
Product: Mortgage

I have been since XXXX of 2016 requesting a short sale I have been working with SPS, I Have submitted many complaints to try to get the problem of SPS asking repeatedly for document 's they say need to be updated only do to SPS not processing them in a timely manner, as of XXXX/XXXX/16 the complaint I submitted was answered ( with SPS needs more updated document 's ) ( that is the Complaint ) it has been almost a year. on XXXX/XXXX/16 I was referred to the Ombudsman XXXX. to expedite the paper work for my short sale request. I have spoke to a number of people in the Dept. the last to be supervisor XXXX XXXX XXXX who on XXXX/XXXX/16 I was told I would have a answer, in XXXX to XXXX hours since then, I have not been able to get a phone call back and I did not receive a answer but I did get a request for more updated document 's, on XXXX/XXXX/2016 my biggest concern is that SPS has required the title company XXXX XXXX ) different times to change the PRE HUD this last request is that line XXXX be correct to have a number that Bank XXXX XXXX gave them as a payoff amount 8 months ago, be changes, this is a Pre Hud the numbers are not to the penny, and will not be XXXX SPS has a closing date I have spoke to Bank XXXX XXXX, they close the file, in 30 days by law iff a short sale is not completed. SPS has cost me to lose my lawyer to represent me, due to the repeated request for updated document 's, they have had XXXX XXXX XXXX restart my file over many times, causing the realtor, to redo there part of the short sale, and my husband and myself costing me money to keep the unit overhead paid every month, that we do not have. I have now had to go to a debt consolidation firm to help with my bills, I need this to be over with. 
I have been not able to get a return call from XXXX XXXX in the XXXX XXXX. to tell me what happen. 
I have made many complaints, and I get the same response fro SPS we need more document 's updated, I am hoping this time XXXX XXXX will contact me, with a solution to this on going problem. 
it has been 8 months.
Product: Debt collection

I have been receiving calls from TRS consumer services asking about debt I have outstanding. I do not have any debt outstanding - I checked my credit report to make sure ... I was finally able to get on phone with them.. if you dont pick up when they call, there is no way to speak to a person if you call them. Their website says in order to make an INQUIRY, one must send in their drivers license and bank account information, which I find to be absurd. When I finally picked up when they called, they were not able to give me any other information that linked me to the debt - they said there was a check that was submitted under my name in Texas onXX/XX/XXXX( I was actually out of the country at this time ) and that my address is in Massachusetts ( my phone number is from XXXX, but I do not live there ) and it was checks that was submitted to a casino. All in all, they told me that I can give a call to " Telecheck '' which is who they are trying to collect for - which seems very strange given that Telecheck and TRS Consumer Services are both a " FirstData '' company, whatever that means. They told me to contact Telecheck to get my name removed. So I called. They asked for my bank routing, social security, and drivers license number. ( I dont even have a drivers license number ) I said I will not give you those information, I just need to remove myself from getting calls every week - and they refused to do so without my information.
I see many scam allegations on XXXX on these two companies - anything we can do to remove from their websites asking people to send in bank account / routing / social security info? / My theory is they keep calling numbers, leaving voicemails and people call back, and cant get in touch with anyone, so they go to this website and up giving away their precious personal information away. They NEED to be stopped.
I also got another debt collector call from the below number XXXX recently, who said they had some guy 's name under the account and they removed me right away. Still makes me nervous that this TRS / Telecheck company is selling people 's info to other fraudulent companies.. Thank you for helping!!
Product: Payday loan, title loan, or personal loan

Affirm called and said there were fraud charges and that I would get the $ XXXX credit back, but has only been trying to charge me and will not send me emails to dispute this case
Product: Credit card

This is my 2nd attempt to pay off an amount to Chase Bank. I have not received anyway to pay off the account as their Rep stated on the phone call that I recorded that they dont have access to the account. Again, I am trying to submit payment on a account. Please provide a way to pay off the account so that the pay amount can be reflected on my credit report.
Product: Credit card

On XX/XX/XXXX Capital one chatged me {$30.00} for late fees? As far as understood they are capped at XXXX. 
Attenpted to call cap one
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Account number : XXXX/XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX , has violated my rights 15 USC 1681 section 602 A states I have the right to privacy 15 USC 1681 section 604 A section 2 consumer reporting agency can not furnish an account without my written instruction
Product: Money transfer, virtual currency, or money service

I hope this letter has correctly found itself within your complaints/fraud department as it is very essential to me that you become aware of the ordeal I have had to go through. Commencing on or around XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX  ( the Fraudsters or the Company ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX XXXX which was transferred from my wallet utilizing your services. I do not have a proclivity to blame others for my downfalls, however, I can not help but link this enormous loss with the trust I had instilled in your institution which is regulated.
Product: Mortgage

I applied for Loan Modification as pursuant of the Government Home Affordable Program and eventually Ocwen called onXX/XX/2018, that our monthly payments went higher than when was originated. Along with my husband, who is now XXXX, have been attempted to modify our loan through Ocwen Loan Servicing, LLC, while seemingly trying to modify our loan, at the same time, Ocwen are trying to foreclose our property. It is our assertion that Ocwen have not dealt with us in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I recently reviewed my credit report on XX/XX/XXXX and noticed that there were incorrect information being reported to my credit report. I contacted the consumers advising them of the detailed incorrect information and asking them to correct the information. I reviewed my information on XX/XX/XXXX and noticed that the information had not been corrected and that the incorrect information is STILL being reported to my credit report. These are the items that are incorrect : XXXX XXXX : Acct # XXXX {$550.00} -Reported date -Last Activity -Remarks -Times ( XX/XX/XXXX ) days late -Months Reviewed -Creditor Information -High Balance Opensky : Acct # XXXX {$0.00} -Reported Date -Credit Limit -Remarks -Last Activity -High Credit -Creditor Information -Months Reviewed XXXX XXXX : Acct # XXXX {$0.00} -Reported Date -Last Activity -Remarks -Time ( XX/XX/XXXX ) days late -High Balance -Creditor Information -Type -How is it still reporting if account was purchased by another lender? 



XXXX XXXX : Account # XXXX -Reported Date -Last Activity -Original Creditor -Status -Comments -Term Source Provided XXXX XXXX : Acct # XXXX -Report Date -Open Date -Last Activity -Report to only one creditor ( this is not my account ) Rent Recovery : Acct # XXXX {$370.00} -Report Date -Last Activity -Status -Comments -Monthly Payment Amount -Term Source Type XXXX : Acct # XXXX {$370.00} -Account is not valid and reports to only one creditor -Not my account- XXXX : Acct # XXXX -Account is not valid and reports to only one creditor -Not my account INQUIRES : XXXX : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If XXXX after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of reinvestigation and Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX and Equifax selling information of unsuspecting consumers called trigger leads. 
I understand there is information regarding these leads being sold by the major credit reporting agencies and somehow making it legal to do so. 
I also believe there is an underline issue with this. Not just the fact that there isnt a single person whom I have spoken with who knows this is happening but also the fact that no consumer who has pulled credit for a mortgage has opt in to receive solicitation much less have there personal information sold to a number of mortgage brokers or lenders. 

I am a mortgage broker and I receive phone calls from clients asking me why they are getting between 10 and 15 calls per day, multiple times per day from other mortgage lenders trying to solicit business. Some claiming to be a partner of XXXX and just doing a follow up to make sure the client gets good service. I have an actual recording from a call. 

Do I tell my clients that there information is sold the minute they pull there own credit for a mortgage. it seems that if I am aware this happens then it makes me responsible to disclose the fact that this can happen and more than likely will happen but theres nothing I can do about it. Since the three major credit reporting agencies dont actually pull credit for consumers, they dont have any sort of permission to sell peoples information for profit. 

I received another call from a client this morning who stated he received 13 calls this morning from mortgage brokers or direct lenders, all from spam numbers ( robo dialers ). Coincidently I pulled his credit yesterday utilizing XXXX pro ( XXXX  mortgage ) online credit pulling service. Now XXXX doesn't sell information, I don't sell information but we both know the credit reporting agencies will sell it. So who is responsible for informing the client that by initiating a credit pull with us for a legitimate service there information will be sold to multiple people. 

This doesn't sit right with me, regardless of being legal or not it seems there should be some protection in the California privacy laws prohibiting this from happening to unsuspecting consumers. 

Last, I have asked every client I know, every friend I have and non of them understood that there information was actually being sold by the credit agencies, they thought they may have filled out an online form somewhere down the road that opened them up to solicitation but certainly not by a trusted credit reporting agency.