23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Wells Fargo is now attempting to charge me for insurance in spite of me submitting to them on XX/XX/XXXX that I have insurance. They have added an additional {$6000.00} advance charges to my mortgage for the insurance and for {$880.00} for taxes in XXXX. They paid the taxes for the year and I reimbursed them via money order. I have copy of the money order that was made payable to them. 
Additionally, they were untruthful to you all on another complaint filed by me earlier. The current value of the property is around XXXX according to XXXX XXXX XXXX XXXX office . The loan amount was originally at approximately XXXX. The value of the property at the time of the loan was less than it is now. I can provide proof of this. This was a bad loan and they repeatedly refused my request to modify the loan. The XXXX they used to justify the loan was fraudulent and the value of the property will probably never equal the loan amount.
Product: Credit reporting or other personal consumer reports

These two duplicated accounts are still on my XXXX and XXXX credit reports. They were ordered to be removed but they only removed from XXXX XXXX. I have multiple complaints for these two issues and need them removed from ALL credit reporting agencies. Below is the complaint summary I submitted and they removed these two collections from XXXX XXXX BUT failed to remove from the other credit reporting agencies. I need them removed asap because they failed to provide proof that this debt was ever mine. 

I needed valid proof, they have none other than stating they have purchased this debt from the original creditor. That means nothing and where is the proof it is mine? They have duplicated this false claim on my credit report multiple times. I want this removed immediately from XXXX XXXX, XXXX and XXXX. I have asked for seven years now PROOF OF OWNERSHIP and they denied me. The attached letter does not prove this is my debt
Product: Credit reporting or other personal consumer reports

My account with ( those creditors was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or
delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Mortgage

I recently inquired at various banks and direct lenders about taking out a HELOC to help pay for renovations on an investment property. I was put on a robo call list for Loan Depot after I made an inquiry on XXXX online. I was specific about my HELOC product when I filled out the initial screener questions from XXXX. 

I spoke to a representative from Loan Depot on XX/XX/18. I again reiterated with the screener that I was interested in obtained a HELOC on a rental property to pay for renovations. He assured me that was not a problem and would hand me off to a licensed individual with their company to ask a few more questions. 

I was then put into contact with XXXX XXXX XXXX XXXX Licensed Lending Officer NMLS # XXXX Phone : ( XXXX ) XXXX email : XXXX We spoke on the phone at length and he asked a few more questions about my goals and personal information for the online application. A no point did he clearly state that he was applying for a new mortgage on my rental property and never discussed that his company does NOT offer HELOCs on rental/investment properties. 

Only after completing a hard credit check and then discussing the various options did I figure out he was only trying to price me out on a new mortgage. He never apologized and became very defensive when I stated that I was only interested in a HELOC and was upset that he wasted my time ( and credit check ) on something I was never interested in. 

I spoke to his manager later that evening ( who was much are respectful and responsive to my situation ). Ultimately, I do not know if this was an honest mistake or if this is the result of some underlying corporate drive push aggressive sales tactics ( a la XXXX XXXX ) or maybe due to some overzealous licensed mortgage broker who is gunning for extra commission ( XXXX XXXX ) or maybe even a combination thereof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need you to investigate the following accounts you claim to be accurate on my credit file XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 Please show me detail documentation including an application signed by me otherwise delete this unverifiable inquiry from my credit file. 

After you finish my request, send me an updated report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX  ( Original Creditor : XXXX NC ) XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$500.00} XXXX XX/XX/2022
Product: Debt collection

I recently received a copy of my credit report. I have contacted TransUnion numberof times concerning this issue and havefailed to get it resolved, I am concerned about the accuracy of the information being reported. And a number of violations under the Fair Credit Act against my credit profile. 
MY INFORMATION WAS EXPOSE IN THE XXXX XXXX BREACH, And I believe that TransUnion has made errors in reporting inaccurate accounts on my profile and In accordance with the fair credit Reporting act TransUnion has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : |t also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose. 15 USC 1 681e ( b ) for failing to follow reasonable procedures to assure accuracy, under 15 J.S.C. 1681i for negligently reinvestigating or correcting disputed information, and under 15 U.S.C. 1681k for failing to provide notice to persons of information reported about persons to third parties. 15 USC 1681s-2 15 USC 1681i ( 5 ) 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, am a victim of the data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c- 2 ( a ). ''
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX OF XXXX XXXX XXXX XXXX
Product: Debt collection

I spoke with XXXX XXXX of the Drew Eckl & Farnham firm on XXXX the XXXX. I asked for a debt validation that day through email. I reached out again on the XXXX of XXXX requesting the debt validation. He could not provide the validation either day. 

I reached out again to the XXXX XXXX firm on XXXX the XXXX of 2017 requesting it again and they could not produce a validation of debt. 

I then called/email XXXX XXXX on the XXXX the XXXX of 2017and was cc 'd on an email with XXXX XXXX and XXXX XXXX to produce the debt validation and they could not provide that for me. 

I called XXXX XXXX and XXXX XXXX of XXXX XXXX of 2017 and they refused to send me any debt validation. 

They continue to report the debt to the credit bureau agents and continue to request payment but have refused to send any validation of debt over a span of 3 months and a total of 5 requests.
Product: Vehicle loan or lease

Hello, I was wondering if I could get your help or advice I cosigned for a domestic partner two years ago on a XXXX XXXXXXXX XXXX for {$20000.00}. He paid {$840.00} every month excellent payment history until his recent passing XXXX XXXX XXXX now Im being told that I owed over {$30000.00} on this vehicle. I have no clue as to what to do. this will put me into bankruptcy. credit acceptance refuse to make any type of settlement with me. even though the car bluebook value is {$4000.00} I was wondering if you all could help or give me some advice. I truly appreciate it. 

Thank you for your time XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, a financial institution and furnisher of information, along with EXPERIAN, a consumer reporting agency, have willfully failed to comply with federal regulations by misusing my consumer report regarding account number : XXXX. 12 CFR 1016 ( Regulation P ) regulates and protects the privacy of consumer financial information. 12 CFR 1016.16 regulates and protects the Fair Credit Reporting Act 15 U.S. Code 1681 et seq. 12 CFR 1022 ( Regulation P ) Appendix M regulates and specifies obligations of furnishers of information to consumer reporting agencies under the Fair Credit Reporting Act 15 U.S. Code 1681 et seq. 

I, the consumer, have been adversely affected by XXXX XXXX and EXPERIAN being willfully noncompliant with the proceeding federal regulations. 

12 CFR 1016.16 regulates 15 U.S. Code 1681 section 602 which states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' My privacy is being violated by the misuse of my consumer report. 15 U.S. Code 1681b section 604 states In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX and EXPERIAN do not have my consent to furnish said information, and I have never given them written or verbal consent. Any implied consent is revoked. 

12 CFR 1022 Appendix M regulates 15 U.S. Code 1681a ( 2 ) ( A ) ( I ) which states " Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; IRS Publication 4681, Chapter 1 regarding canceled debts states that a canceled debt is considered ordinary income, which is taxable. This charge off is taxable income and not to be included on a consumer report. 15 U.S. Code 1681s-2 states 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. XXXX XXXX and EXPERIAN are willfully misusing this information on my consumer report. 

12 CFR 1022 Appendix M regulates 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) which states Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of : any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. XXXX XXXX and EXPERIAN have been willfully noncompliant by continually misusing my consumer report after I filed a complaint.

12 CFR 1016.7 states, A consumer may exercise the right to opt out at any time. I am opting out of any and all of your reporting services. 

My intent is to sue if said issues are not resolved.
Product: Mortgage

My loan used to be with XXXX. I really like being able to pay in the branch & know my payment was correctly processed. The loan has Bayview Loan Servicing now for over 2 years. I make my payments online because on the auto-pay features states that if my payment fall on a holiday or weekend & is not process by the XXXX I can be subjected to a late fee. Every month I login & schedule a payment usually around the XXXX or XXXX avoiding weekend/hoildays. I noticed that my payment was n't withdrawn from my account as schedule. I call & they said that my payment cleared & to give it a few more days. I checked again the next day & it was shown late- with a late charge & additional fees. They said that it came back as a bad account number. I asked them what they show & the rep said that they do n't keep that info. I told them that its the same account that I always pay from & that I am never late. After over a 1/2 hour on the phone I was able to get the fees reverse & proceeded to make a payment thru then phone so I can be current. They do n't make it easy to pay them. You are not able to save your payment info & you ca n't see your info after a payment is scheduled to verify if the info is correct. If you make a payment after the XXXX, they charge you extra. You get calls saying your late starting on the XXXX of the month-everyday until the payment clears your account. They do n't even check to see if a payment is schedule. They call all hours of the day. Its the biggest monthly bill I have- I do n't need a daily reminder that it is due. legally I have until the XXXX to make my payment until I incur a late fee. I have great credit but I feel that I am treated like a some kind of low life because I qualified for a loan modification. I feel like I am in some kind of collections program & is subjected to harassments if they do n't pay my mortgage by the XXXX of every month.
Product: Vehicle loan or lease

While I was sick with XXXX, ACA choose to take my vehicle and leave me without a way to get around. i WAS quoted a price to get my vehicle back. I worked as hard as I cold to get the money and I finally came up with enough to get my car back. I sent them the money as requested and was under the impression that the amount i paid included ALL FEES. I them made an arrangement to pick up my vehicle and I was told, per the finance company, that I had to pay XXXX dollars in fees to get my vehicle back. Ii feel that after all the hoops that ACA made me jump through and all the anxiety and given what is going on, that they would be able to waive the fees and help. I wane through enough and I feel like they are taking advantage of a global pandemic. They knew I had XXXX twice and had a very hard time. I paid what i needed to, why are they making more hoops to go through. This should not be allowed
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My rights were violated by company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This company was misleading to new consumers and being dishonest on their scheme of obtaining new customers to purchase vehicles. It wasn't ' until it was time for me to make my first payment when I realized I was deceived. The payment that they told me I would pay in office was different from the amount the finance company XXXX XXXX XXXX sent to me through the customer portal. Upon learning of this information I immediately tried to get out of the car. I was sold a XXXX XXXX XXXX but could not afford the payments, but the payment that they went over in the office with me was affordable. The finance guy with XXXX XXXX originally told me that my payments would be XXXX XXXX XXXX but XXXX XXXX showed that my payments were over XXXX XXXX XXXX I went to talk to the owner because I knew that I was conned .I also made the finance company XXXX XXXX XXXX of the dishonest process, but they just blew me off. They had recollection that XXXX XXXX was doing this to several other customers because they had been business partners for several years. It was in XXXX of XXXX when I asked XXXX XXXX to come pick up this vehicle as doing a XXXX XXXX because the payments were unaffordable. The car sat at XXXX XXXX where the car was purchased from until the middle of XXXX XXXX XXXX XXXX XXXX didn't pick up the car until then so that they could report missing payments on my credit report. XXXX XXXX had continued selling cars until they went out of business in XXXX. I am glad that this company has went out of business, so that they won't be able to make anyone else life a nightmare as they have done mine. They're had been several complaints against XXXX XXXX prior to their closing for the lack of honestly, creating false and inaccurate documents with several customers. I have been a victim of a company who obtained business with misleading, dishonest and criminal intentions. 

I am asking for this account to be removed permanently from my credit report. This is still negatively impacting my ability to improve my credit to a higher score in hopes of being able to one day purchase a home and buy a brand new car. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , inc ) due to inadequate costumer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer ( EFTA ) and Regulation. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I am very upset over the credit report I recently received! This is totally out of control. I am amazed that the government allows you to make such obvious errors that damage people so badly. I am willing to do whatever it takes to make you responsible for poor reporting practices if you do not respond quickly and accurately to this letter. I don't know where you got the following accounts. They shouldn't even be appearing on my file, from what I know ( and I keep good track of my bills! )
Product: Credit reporting, credit repair services, or other personal consumer reports

I used the GI bill for college funding. It was claimed that I was overpaid {$1600.00} and the account went into collections. I disputed the debt with XXXX, Transunion, XXXX, and the VA. I paid the debt to the VA not as admission or ownership of the debt but to salvage my credit. The result of the dispute was that the reporting would stay. I do not dispute the event, rather the legality of reporting a non-consumer finance debt in which there were no provisions, terms, or rates agreed to. 

The 2015 CRA settlement language reads " Do Not Report debt that did not arise from a contract or agreement to pay '' This was not a consumer finance transaction and therefore should not be reported to CRA 's as a loan or anything else. There is no document in which I signed or consented to this debt. There is no explanation or verification of the debt.
Product: Credit card or prepaid card

It all started on XX/XX/2019, when I provided my XXXX XXXX credit card information to the sales representative XXXX over the phone. He processed my payment and said it was all approved. He did provide me with a copy of my receipt for this transaction. He was supposed to provide me with the quantity of tiles I am being charged for, grout, cement and labor. He said he ordered the flooring. Flooring reached them on XX/XX/19. The sales rep gave me XXXX number who was going to do the installation. XXXX was unable to start the job right away. The job was completed on XX/XX/2019. By that time I had already made my first payment to XXXX XXXX. The tile installer that worked for XXXX did not speak English. He removed all the quarter rounds from my kitchen, dining room, hallway, bathrooms and laundry room. I though XXXX XXXX was going to replace those with new ones when the tiling was complete. When XXXX arrived he said his guy had thrown away all my wooden base boards and that I would have to buy new ones and get them installed. When I had spoken to XXXX he said XXXX XXXX would be replacing all those as part of the tiling. When his guy was doing my tiling he damaged my door frames and also scratched my tub when he placed the toilet in there. The tiling job was not done to our expectations. There were uneven spaces in between the tiles. Some tiles were chipped. In the kitchen the tiling was not done all the way up to the dishwasher. There were some damaged tile in the laundry room. I called XXXX XXXX, opened up a dispute. I spoke to XXXX from XXXX XXXX. She sent an inspector out on XX/XX/19. He took pictures and said he will send it to their customer care department. I have not heard from them since. The entire house flooring has uneven spaces between the tile and cement. I have had three professional contractors come out and take a look at the tiling job and they even said its not even spacing. XXXX  XXXX needs to redo my entire house tiling or I am not paying for it.
Product: Checking or savings account

On XX/XX/XXXX I was depositing {$60.00} in ATM IN Bank of America branch in XXXX, NJ. I tried to deposit three {$20.00} bill, but ATM excepted only two bills, returning me {$20.00} back. I tried to put that bill 4 times, but ATM kept returning it to me.. AS a result, my account became overdrawn. Next day I went to another ATM machine and it did took the same bill. I have substantial relation with this bank:2 checking accounts, 2 credit cards, overdraft protection, 2 direct deposits. When I called customer service on XX/XX/XXXX, representative told me that I should have been driving around different Bank of America ATMs and deposit money there.It was XXXX XXXX, totally dark and unsafe. 
I have been customer of Bank of America since XX/XX/XXXX and it was my first overdraft fee ever, but they did n't consider it.