23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My mother passed away XX/XX/2019 leaving behind a XXXX XXXX purchased from XXXX XXXX in XXXX Ohio. I have been keeping the payments up through XXXX XXXX, they were even called with the sales person listening as the Executor of her estate. 

I went to XXXX XXXX to trade the car in to be paid off. Upon doing so my credit was pulled assumably by XXXX XXXX for the dealership. 

The DEALERSHIP pulled 8 random finance companies without my consent. 

My credit score dropped from XXXX  to XXXX @ XXXX  and XXXX @ XXXX, XXXX  is now XXXX. 

I have a complaint with XXXX for Wells Fargo and Wells Fargo agreed to finance a vehicle from XXXX XXXX. 

I immediately started backing out with the sales person. How did they get this loan?? I don't want Wells Fargo, I thought you were using XXXX XXXX?? I told you my credit was above 700, why are you using Wells Fargo? 

The sales person said they didn't know how many points would be used or how they obtained credit and furthermore told me I was not allowed to inquire or engage with the financing department until I was approved. 

Unknown to me XXXX XXXX pulled 8 different banks and financial institutions to get RATE of Financing not the best credit score, intentionally grounding my credit in an effort to keep me from buying from another dealer without my permission. 

I continually asked how they obtained my credit, what bureau they used to insure the protection of my credit rating but the sales person XXXX did not disclose the information. 

Here 's a List Financial Institutions XXXX XXXX XXXX   XXXX XXXX  WELLS FARGO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   During the signing the finance officer was so aggressive and omitting I refused to sign the sales contract without a 24 hour waiting period. I basically wanted to see what they had done, his aggressive attitude was a giveaway. 

The trade-in of my mothers car was not permitted without the right document from the court so I had to call the probate attorney while I was there to get that documentation right away. 

The finance person tried to lock me into that commitment without the legal documents for the trade-in so aggressively that I became suspicious and refuse to complete the paperwork without the court document needed for the transfer. 

The finance person said I would have to leave {$1000.00} downpayment to hold the vehicle of purchase and sign the sales contract to do it which would have bound me to the note without the trade-in value of my mothers car. I refused!!!
Product: Payday loan, title loan, or personal loan

Ok, I open a line of credit with NcState Employee Credit Union I refinance my loan and put my car in the loan which was {$4000.00} and also my credit card I have with them with a limit of {$5000.00} I also paid off 2 other credit card bills which they applied to the loan also, so with that and interest amount add up to {$23000.00} it was open back in XXXX XXXX and was close and charge off in XX/XX/2023 I try my best to keep up with the payment and in the middle of covid i was affected and default on the loan I am on a fix budget from social security XXXX so every month I was paying {$550.00} so they charge it off and put it on my credit all 3 agency, So please I am asking for help to remove if its possible I could not see the account number on my report but if access it is very noticeable I try all I could The Bank is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX
Product: Mortgage

Recently received an Escrow analysis report ( XX/XX/XXXX ) and it appears the column labeled as 'actual ' isn't accurate. They are listing an exaggerated amount for my 2nd installment of RE taxes due XXXX. I've communicated this ( via chat ) to lender-Flagstar, ( XX/XX/XXXX ) and they requested to provide a copy of that bill ( emailed to lender XXXX ). Based on this analysis report, my mortgage will be increased by more than 27 %. When I asked when this will be fixed, the representative assured me it'll be 5 business days. My next payment is due XX/XX/XXXX with the inflated estimate. 

I've also submitted an escrow waiver the same day given my qualifications. I've also, recently submitted a PMI waiver ( XXXX ) and have received noticed removal of PMI. Not sure if this prompted the lender to have an 'analysis ' of my escrow balance of which I obtain a balance as indicated by 'law ' of two mortgage amounts. 

This doesn't seem right that lenders send these ridiculous estimates that do not make sense, yet ready to change monthly mortgages immediately.
Product: Mortgage

On XXXX, I applied for a refinance loan with Bank of America. The rate was locked for 90 days. Immediately, I started having problems with Bank of America 's Navigator, being unable to sign in and view the loan documents. For months this continued on with BOA not willing this fix this problem, which made it impossible for me to provide documents to them in a timely manner. On XX/XX/2021, I spoke with supervisor XXXX XXXX about listing our property for sale. She never told me that I should not list this property for sale during this loan application. On/around XXXX, I made a request by email to supervisor XXXX XXXX for a Reconsideration of Value on the Appraisal. Almost three weeks after requesting this, Mr. XXXX finally acknowledged that he had started this request. During the last week of XX/XX/2021, XXXX XXXX informed me that since we had listed our property for sale, BOA would be denying our loan, but he would try to get an exception made to continue the loan process. On XXXX, he told me the loan had been denied, and we must start over with another loan. I have made multiple requests for BOA to send me the documents that state that we must not list our property for sale ; including requests for a copy of the " exception denial ''. BOA refuses to give me these documents. On XXXX, I received a total of nine emails from the BOA 's Navigator, which I can not sign in on, which I assume is for this second new loan. BOA has accused me of falsifying question 5a on page 10 of the loan application. BOA 's underwriter has harassed me with ridiculous questions. I feel discrimination against me has been involved during this first loan process. BOA has not mailed to me this loan denial, nor anything else. I spent a lot of time and money on this first loan application. Now, BOA is trying to make me do this again with a second loan application. BOA needs to send me the documents that I have requested ; and they need to stop this loan denial ; so that we can close on this first loan before the rate lock expires,
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate 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 Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violation 's.
Product: Debt collection

Capital Management is calling my cell phone and leaving messages directed to me specifically however they are looking someone else and They give a reference # and phone # to call back. I think it 's really weird and creepy how they got my name and cell phone number. Furthermore they are attempting to collect a debt on someone else but yet are trying to get information out of me as to where this other person is. They are pushy, negative, and advise they will keep calling. Also in the message they said it 's about a light and do n't identify themselves and their initial purpose until I call them.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX you furnished my consumer reports to XXXX XXXX XXXX XXXX, ON XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX you furnished my consumer reports to XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX you furnished my consumer to XXXX XXXX XXXXXXXX On XX/XX/XXXX also you furnished my consumer report to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TO XXXX, ON XX/XX/XXXX TO RESIDENT VERIFY without a permissible purpose as per 15 USC 1681b ( 2 ) or knowingly without a legitimate business reason pursuant [ 15 U.S.C 1681b ( a ) 3 ( f ) ( I ).
Product: Consumer Loan

this company use to be castle payday loans now it is Big Picture Loan. They do not tell you how much interest til you are approval for the loan in documents. Did not read the fine print. Interest for XXXX for the first XXXX payments XXXX is interest does not go toward the loan at all. the payments are differentXXXX is the finance charge and when loan is pay off it will cost be {$8000.00}. They never talk to you on the phone. approval over the internet. what can I do? I already have pay XXXX payments of {$310.00}. I got scammed and I do not want more people to be effect with this company when you really need money should be a easier way and not cost fortune.HELP!!! loan number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting incorrect addresses that I have never lived at : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Mortgage

XXXX XXXX Dear XXXX, XXXX : Single Point of Contact at XXXX XXXX XXXX XXXX  # XXXX I am writing to address NO contact received by me from you on 3 separate occasions. 
XXXX. On XX/XX/XXXX from XXXX who requested via email, a call back from you to me. 
XXXX. On XX/XX/XXXX from XXXX in XXXX who requested a call back request via email from you to me XXXX. And lastly from XXXX in TX on XX/XX/XXXX who emailed a specific request via email for a call back from you to me at XXXX XXXX on XX/XX/XXXX. 
After speaking with XXXX, I was taken off the fore bearance, made payment towards my mortgage and a flex modification was put into action. We also discussed the NO CONTACT between Right Path and XXXX XXXX XXXX XXXX  FUND # XXXX. She stated no such communication was in your files and said she emailed XXXX at that time? She assured me you would call me back, going so far as saying XXXX XXXX is very good about calling back. 
I then spoke with XXXX and he informed me that the flex modification was not approved, he offered me a full -on application for a modification. As I was told this was my only option. I again requested a call back as XXXX XXXX you are the Single point of contact for my loan. I requested to speak with you as that is what I was told from XXXX. 
Lastly, I spoke with XXXX I was told my number was blocked because of the bankruptcy being filed. I received no communication that this was the procedure. I did receive an informational statement on XX/XX/XXXX on what I owe, no other information. She updated my account information, telephone, email and physical address and assured me I would receive a call back from XXXX XXXX! 

I am asking if this is a common practice at Right Path to make no attempt to speak with a person who is obviously struggling, and making them think they will lose their house, when an attempt was made to show good faith as well as trying to move forward with a plan to retain the property. 
I am appalled by the lack of communication and the perceived deceptive practice of this servicing company under Mr. Coopers umbrella. 
Please know that Im in contact with the Attorney Generals office and have filed a complaint with CFPB. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX
Product: Debt collection

Well apparently Capital One sold my information that was fraudulent attain to this company XXXX XXXX XXXX. I contacted XXXX XXXX numerous time. I mail my police report to the company, the three credit bureau has my police report. I have a fraud alert and a freeze on my credit report. XXXX remove it but when it removed from my credit XXXX XXXX will put it on the other bureau. I contacted FTC file a complaint. They still report it to the bureau. On XXXX XXXX i recive a call from XXXX stating my account wasn't be paid. I inform XXXX XXXX never applied for a XXXX 's card. My husband XXXX XXXX left his phone in a rental car. They never turn the phone in but from XXXX they was open different account because our email was stored in the phone we had some of our personal things in the phone.
Product: Mortgage

Flagstar Bank just bought my mortgage from my prior mortgage lender and I set up auto payments through my bank as I had done with prior lender. My mortgage payment was taken from my checking account on the XXXX and now Flagstar Bank are saying they never received payment 2 weeks after the payment was made and funds were taken from my checking account with XXXX XXXX XXXX. Flagstar turned me over to their collections department and are calling me for payment! My bank has assured me that the money was sent to them and they should have it. I have now set up an inquiry into the lost funds with XXXX XXXX. Flagstar stated that I should have set up payments BEFORE the first of the month to allow time for payment to be received but my bank states these types of payments are done electronically and should be received same or next day. I seem to have XXXX recourse in continuing to do business with Flagstar bank.
Product: Student loan

I attended the University XXXX XXXX from XXXX through XXXX. I transferred out because they were not keeping their promises. In XXXX, I received a letter from the FTC stating that I was part of a class action lawsuit. Because of this, I was eligible to have my student loans discharged because of allegations that the school used deceptive ads to get students to enroll. 
I called Mohela in XXXX of XXXX and inquired about my Borrower 's Defense discharge and was told to contact the Department of Education. The DOE only advised that my application has been received and is pending. This has been over two years now, and no response. I have had friends who attended the school with me and had their loans discharged. 

To this day, I have had no response.
Product: Mortgage

Select Portfolio Servicing has refused to update our principal balance since XXXX post Chapter XXXX Bankruptcy. XXXX was the original mortgage company. During our Bankruptcy. Our Bankruptcy started XXXX and fully discharged early XXXX. Late XXXX Select Portfolio became our mortgage company. They reinstated the written off amount XXXX submitted Proof of Claim to the Bankruptcy Court. Ive been disputing with them since then. Technically we have not missed payments. This year in XXXX Select Portfolio Servicing stopped taking payments and are trying to foreclose on our home. Throughout all our past hardships and disputes I could not figure out how to get the mortgage company to correct our account so I kept paying them, believing once all was corrected I would get my money back. Yesterday two Realtors named XXXX and XXXX XXXX came to my home pretending to be my husbands cousin trying to gain access to my home. Apparently they had been asking our neighbors questions about my husband saying they were his cousins. I denied them access never confirming names but telling them if the are from Select Portfolio Servicing the need to take me to court and to stop Harrassing me. I reported it to the local Sheriffs. Deputy XXXX  took my statement including my request for extra patrolling of our area. Yesterday I sent another Rebuttal to the XXXX  Complaint # XXXX. Also many disputes have been submitted to the 3 Credit Bureaus, each time Select Portfolio Servicing has corrected the false information having our Credit Scores up and down. My name is XXXX XXXX and my number is XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/ i have sent a dispute out to TransUnion about inaccurate item that was being reported on my credit report. They took over 30 days for a reinvestigation for the 3rd time to finally respond just to tell me they have verified that the information being reported was correct but I have sent in my credit report and stated the inaccuracies. The account had different reporting dates as well as incorrect terms, and invalid incorrect payment statuses. TransUnion has failed to provide with documents on what process they have used to verify the accuracy of the accounts listed in my dispute. 

I have sent TransUnion multiple documents of inaccurate items reporting to my credit report. I have gave you the reason the following account was inaccurate and sent a copy of my credit report that was reporting inaccurate information for fact so with that being said you are officially in fact VIOLATION.

YOU ARE NOW IN VIOLATION Pursuant to 15 U.S. Code 1681s-2 RESPONSIBILITIES OF FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) The person has been notified by the consumer, at the address specified by the person for such noticed, that specific information is inaccurate ; an ( ii ) The information is, in fact inaccurate. 

XXXX. The account type on this account is incorrect, this is not a revolving account therefore you are reporting inaccuracy ( PLEASE DELETE ) XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Mortgage

I have XXXX complaints as a result of a refinance of our mortgage. Refinance was done with the same company servicing the original mortgage. First complaint is regarding a Forced Place Policy for Hazard Insurance put in place even though we never had a lapse in coverage. Second complaint is regarding the length of time it is taking to get a refund of our escrow money. 

1st complaint. On XXXX XXXX, XXXX I changed insurance companies. On XXXX XXXX, XXXX I cancelled the original policy. Ditech shows the cancellation notice, which was sent at the same time as the new declaration page for the new policy. In XXXX Ditech ( which was GreenTree at the time ) established a Force-Placed Policy and withdrew XXXX from the escrow account to pay for the policy. An amount that is excessive in nature ( My current annual premium is XXXX ), and should be addressed based on RESPA Section 6 ( l ) ( 3 ) Regulation X. My specific complaint is that they did not refund to us the amount in a timely fashion as identified in RESPA section 6 ( l ), which states payment should be made within 15 days. 

2nd Complaint. Once application was approved, processor did not agree with originator that funds from old escrow could be moved to new account ( which in my opinion would have helped the intention of HARP, by reducing debt and/or out of pocket expense for refinancing ). Ditech on several occasions has informed me that it can take up to 60 days from the day a loan is funded to receive a refund from the old, closed escrow account. This seems to differ from the RESPA Refund of Escrow Section 34 ( b ), which states " within 20 days ''. 

This information was found on CFPB website, at this link XXXXWhich Relates to the Dodd-Frank Wall Street Reform and Consumer Protection Act, which was signed into law, Number 111-203 in XX/XX/XXXX. 
Insurance issue was found on page XXXX and the Escrow refund on page XXXX. 

Thank you for your help.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/year> i was notified from another credit card my credit changed and i have a deliquent account. researching my credit i found that i had a loan from a company called affirm. i called the number and after talking with them ( affirm ) they found my account, it had a different email and a different phone number, the person stated they would let the fraud department know and they would reach out. heard nothing so i again called, the person found the account and that he changed the email and phone number this time so they can identify me next time easier. he also filed a complaint on my behalf with their fraud dept. again heard nothing. i then filed a complaint with XXXX as well, XXXX i called affirm for a 3rd time, talked to a supervisor but not the fraud dept. asking for an uodate. the supervisor said she would mark it urgent to the fraud dept to at least notify me of whats going on. XXXX notified me as of XXXX that they called affirm and confirmed this is my account and complaint closed. this loan has not been taken out by me