23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

What mortgage company transfers a mortgage without notifying the mortgagor? At some point in XXXX Wells Fargo transferred our mortgage to another company. We did not/have not received any information from either company. XXXX XXXX our account was current with the exception of late fees. At this time, I had been on the phone with Wells Fargo monthly for several months and no one informed me this was happening. On XX/XX/XXXX I logged on to Wells Fargo to request a forbearance due to the pandemic and loss of employment and business. The website said it was taken care of. Payments were stopped as a result. Payments resumed in the fall of XXXX when the time period ended. I continued making payments to Wells Fargo to date. XX/XX/XXXX we suffered a break-in and checks were stolen ; XXXX XXXX XXXX XXXX case number XXXX. Unfortunately, XXXX XXXX XXXX had to issue a stop payment on a range of check numbers and a Wells Fargo payment was included in it. The check was immediately reissued once the original was processed. Wells Fargo and/or XXXX XXXX XXXX XXXX XXXX our monthly payments. I'm not sure if they are holding on to them or what exactly they are doing. I have attempted on multiple occasions to speak with a representative with both companies and get nothing but the run around. With our XXXX XXXX  it made us aware that this new mortgagee, XXXX XXXX, did not honor the forbearance period and has stopped applying payments to our account. XXXX XXXX has not sent us anything, nor have they telephoned us. What type of mortgage company does not communicate with their clients? Not a single statement, email, telephone call or any other documentation. WE need your assistance to get this resolved as soon as possible.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  is reporting to XXXX that I still owe a debt for a car XXXX financed in XXXX. The car was paid in full on XX/XX/XXXX. The credit reports ( all three ) should reflect that.
Product: Credit card

XXXX Credit Bureau - Bank of America - Paperless client - Paid off the account in full, waited two weeks and looked again and still paid in full. Bank of America failed to notify me that I owed any pending accrued interest. They waited until my account was past due before they sent a letter. I paid off in full as soon as they told me. All accounts that have principal paid in full should notify the client with letter of any accrued interest coming due instead of waiting until delinquent to issue a letter of past due account. Why should anyone accept a paperless billing ( saving paper etc ) when the bank uses it against the applicant at closing of the account.
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration and disappointment with TransUnions repeated failure to address inaccuracies on my credit report, despite multiple attempts on my part to resolve these issues. Over the past several months, I have sent four detailed dispute letters regarding items on my credit report that are inaccurate, incomplete, or unverifiable. Each time, TransUnion has responded with generic verified as accurate statements, without providing any substantive evidence or documentation to support their claims.

I believe that TransUnion has not conducted a proper investigation as required under the Fair Credit Reporting Act ( FCRA ). Instead, it seems they are relying on automated systems, such as Metro2 or XXXX, to verify these accounts without direct validation from the original creditors. This negligence has left me with derogatory items on my credit report that I firmly believe do not belong to me or are being misreported. 

The specific accounts in question include : XXXX XXXX XXXX : Incorrectly reported as a debt I owe, with no supporting documentation provided. 
XXXX XXXX XXXX : Balance and past due amounts are inaccurate, and no verification documents have been provided. 
XXXX XXXX XXXX XXXX two separate accounts ) : Both accounts are reported with incorrect balances and charge-offs. 
XXXX XXXX XXXX XXXX This account remains unverifiable. 
These inaccuracies have caused significant harm to my creditworthiness and, in turn, my ability to move forward with important financial goals for myself and my family. I have invested considerable time and effort in disputing these errors, only to receive vague responses that lack the transparency and thoroughness required by law. 

I am asking for CFPBs assistance in holding TransUnion accountable for their obligations under the FCRA. They must conduct a reasonable investigation and provide verifiable proof for the accounts they claim are accurateor they must remove these items from my credit report. 

The emotional and financial toll this situation has caused can not be overstated. I have done everything in my power to resolve this matter on my own, but TransUnions continued disregard for my rights leaves me no choice but to escalate the issue through your agency.

Thank you for your attention to this matter. I look forward to your assistance in ensuring TransUnion takes the necessary steps to address my concerns and correct their reporting errors.
Product: Debt collection

Had a negative remark on credit reports XX/XX/XXXX. Determined debt was not mine. Originator was XXXX. they sold this debt to XXXX then it went to XXXX. XX/XX/XXXX collection agency XXXX was notified via XXXX XXXX and XXXX XXXX XXXX that XXXX was in error and I did n't have the account in question. XX/XX/XXXX the same debt is now being pursued by ERC-Enhance Recovery Company. I submitted the info to them in XX/XX/XXXX as per documentation from the XX/XX/XXXX events. Now have negative remarks on credit report from ERC. They never replied after XX/XX/XXXX info faxed to them. Just received another letter stating owe money. They have not provided any information that supports that I have any debt owed. They have falsely reported to the credit agencies and are attempting to collect debt which is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

When l checked my XXXX Credit Report, l noticed that an unknown hard inquiry was made by AMEX on XX/XX/2016 which l have no idea about it at all.
Product: Credit reporting or other personal consumer reports

There is an incorrect name listed on my credit profile. I would like to have XXXX, Experian, and XXXX remove it immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account reporting from XXXX XXXX that does not belong to me, Ive sent it validation letter and Ive also sent in a letter from XXXX XXXX  stating that they have no account with my information that belongs to me. Ive disputed and it keeps coming back verified.
Product: Credit reporting or other personal consumer reports

When the XXXX seeks civil penalties against a defendant for securities fraud, the XXXX XXXX entitles the defendant to a jury trial. 

SEC XXXX XXXX, XXXX XXXX ___ ( 2024 ) Transunion under a Federal Lawsuit reporting negative information affecting my credit Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX www.transunion.com/myoptions Information about Your XXXX XXXX In addition to your credit report information, we also obtained your XXXX XXXX from the consumer reporting agency listed below and used it in making our credit decision. Your XXXX XXXX is a number that reflects the information in your consumer report. Your XXXX XXXX can change, depending on how the information in your consumer report changes. 


Your XXXX XXXX : XXXX Date : XX/XX/year> Scores range from a low of XXXX to a high of XXXX Key factors that adversely affected your XXXX XXXX : Derogatory public record or collection filed, XXXX since delinquency is too recent or unknown, Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high, Proportion of loan balances to loan amounts is too high
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block. Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFP. Specifically, Cash App failed to take timely and effective measures to precent 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 violations
Product: Checking or savings account

Deposited a {$6000.00} check to my account on XX/XX/year>. Only issue that possibly could have caused grounds for suspicion of fraud was my own personal error in not endorsing check when depositing. After initial deposit was given notice of " deposit hold '' which lasted until funds were deposited XX/XX/year>. As soon as funds were deposited into account I was informed my account had been flagged for fraud and locked until further notice and to contact a branch. I have since spent numerous hours inside of branches to no avail. No date of unrestriction has been provided and no possible reason for suspicion has been provided to me however I have been asked to provide documentation to help support my case. I have offered a few documents including a letter from dealership that provided the check and my account has still not been unlocked 6 days later. I am incurring late fees on rent and utilities. In addition I have been unable to access my funds to help provide for myself in any way whatsoever.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph XXXX, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. ) XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Account was paid off and company agreed to delete upon payment. Account is still on my credit file. 
2. ) XXXX XXXX XXXXXXXX  Account number XXXX Date last active and date last reported is different and I ask for it to be removed due to its inaccuracy. 
3. ) Inaccurate credit inquiries which I did not request and do not have and account. I have previously requested them inquires to be removed, however, the credit companies have ignored my request. 
XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX
Product: Payday loan, title loan, or personal loan

Approximately  XX/XX/XXXX  I  took out a loan online for {$840.00}. I was charged a {$71.00}  cash advance  fee, also. I have paid them {$1100.00} to date, and still owe {$530.00}. I am a   XXXX   XXXX   resident, and I have found out this loan is not legal in my state, and it violates   XXXX   XXXX   XXXX   Civil Usuary law NJSA  XXXX . They are harassing me, even calling my work phone numerous times daily. I understand I am owed the excess amount I paid over the loan amount. I will no longer make payments on this illegal loan and wish for them to Cease & Desist calling me, my employer, and anyone else to try to collect on this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and noticed a few accounts that do not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2013 XXXX XXXX XXXX CT-XXXX appeared on my credit report. I am disputing this item. Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
Product: Mortgage

In XXXX 2015 I had fallen behind on my mortgage and was working with Wells Fargo to remedy the situation. I had put my home on the market for sale and was notified on or around XXXX/XXXX/15 that the house was going into a foreclosure status. I quickly contacted the short sale department and began to work on becoming approved for a short sale. In the meantime, I received a cash offer to sell the house and contacted Wells Fargo to let them know the good news and obtain payoffs. At that time, their system did not reflect any foreclosure fees associated with the property however the next day, they moved my file out of the pending short sale department and it went into an active foreclosure status again charging me {$3000.00} for a {$25.00} filing fee with the courts. They knew that I would be paying them in full in 10 days. I feel that there was no reason for doing this to me and I filed a complaint with them on XXXX/XXXX/2015. I closed on my home on XXXX/XXXX/15 and they were paid in full for all late fees and penalties and interest along with this additional, " foreclosure fee ''. To date, no one has responded to my complaint and I have called in a few times and was only demeaned by the foreclosure department stating that I was the one behind in my mortgage and they did not care that it was paid in full. If the foreclosure department touched my file, that would be the cost. I think that the cost of {$3000.00} is exorbitant for a file that was in their possession for less than 11 days. And again I want to point out that the moment I notified them that I would be paying them in full they moved my file to foreclosure department and acted fast. Please someone investigate this on my behalf. I feel that their practices were designed to intentionally penalize me. I also feel that had I not called them to notify them, I would have sold my home with it not being in the foreclosure status and not been responsible for the additional {$3000.00} in fees ; again proving that the charge was excessive and not in the best interest of the client ( me ). Thank you for your time.
Product: Credit reporting or other personal consumer reports

I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding this fraudulent account, and following this submission, XXXX and XXXX have removed these accounts from their records. I have also directly contacted the companies associated with these accounts, and they have confirmed the removal of the accounts. Therefore, I am puzzled as to why these accounts are still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only violates this obligation but also exposes me to further harm. Please have these accounts DELETED for once : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Paid off Vehicle in-full at Bank Branch in Maryland more than 45 days ago, and called Customer Service 20+ Times over the same time span. Consistently receive different information that the " Lien Release '' has already been mailed, that it was already processed, that it's never been processed, etc. Considering contacting state Attorney General since PNC is likely operating outside of legal limitations to release Lien after Vehicle has been fully paid off!
Product: Vehicle loan or lease

On XX/XX/XXXX I XXXX XXXX entered a consumer credit transaction with NMAC. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines the finance charge the sum of all charges and it also supposed to include insurance and they didn't include it which is a violation of the Truth in Lending Act. When reaching out to Nissan Motor Acceptance Company they responded by saying they're aware what a finance charge is but they do not off insurance, and that is admitting to not following federal law and a violation of 15 USC 1611. I had a finance charge of {$6500.00} which what it costed me to extend my credit but it was converted into a loan of {$33000.00} why am I paying for my own credit? I have paid {$18000.00} to NMAC which is almost triple the finance charge and I think that is ridiculous that they're getting away with this. Nissan Motor Acceptance Company also didn't give a right to rescission which is another violation of the Truth In Lending Act 15 USC 1635. As of XX/XX/XXXX I have demanded that they cease all communication with me until they give me my specified remedy.
Product: Debt collection

XXXX Closed my account and I tried to resolve issue its been more than 7 years .Sprint has NON ETHICAL business practices. 

XXXX XXXX Last reported : XX/XX/XXXX {$300.00} Needs Attention Overview You've paid off 0 % of your collection amount. 
Balance {$300.00} Highest Balance {$300.00} Opened XX/XX/XXXX ( 2 yrs, 3 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX See an error? 
DIRECT DISPUTE You already have a dispute in progress. You can open a new dispute when the current one is complete. 

CHECK DISPUTE STATUS Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX
Product: Credit card

On or about XXXX 2016, I began receiving collection calls and letters regarding credit card accounts in my name I did not know about. I questioned these accounts, reported them as identity theft, and notified the credit issuers to close the accounts or remove the charges. At the time I believed contacting them and telling them about the identity theft would end the collection attempts and that my credit report would be amended to reflect this occurrence. Synchrony Bank has refused my identity theft request, continues collections attempts, and has not removed negative information pertaining to these accounts from my credit report. An identity theft report has been submitted to the FTC and legal action against Synchrony Bank will be pursued if all negative information is not removed from my credit report.
Product: Credit card or prepaid card

On XX/XX/XXXX, I spoke with a Capital One agent ( did not get his ID # ), he was unable to resolve my issue concerning being unfairly accessed interest on a {$0.00} balance. I asked to be transferred to his supervisor or his manager. He transferred me to an account manager. She stated that her name was XXXX and ID # XXXX. 

I asked about the restriction that hasn't been removed from my account. XXXX stated that I would need to make THREE ( 3 ) on-time payments for three consecutive billing cycles before the restriction is removed. When I spoke with an account manager last month I was told that after my payment cleared, wait TEN ( 10 ) business days and the restriction would be removed. I am being accessed interest unfairly and if I refuse to pay it, I will be accessed more interest and late fees which will continue to restrict my account. I reached out to Capital One in XXXX of XXXX about the financial hardships that I was experiencing due to the pandemic and employment. I was denied any kind of reprieve. They stated in XXXX that they stopped accessing late fees on my account in XXXX. I was able to secure resources to pay my balance off in full. Previously, sometime last year, I was told by a Capital One account manager that if I paid the CURRENT BALANCE and NOT the statement balance that would avoid any interest fees being accessed to my account after I made a payment that would pay the account off in full. I paid the CURRENT BALANCE in full on XX/XX/XXXX which left a {$0.00} balance on my account. My account received an interest charge two weeks later on XX/XX/XXXX. They were unable to explain to me how an account with a {$0.00} balance could receive a interest charge. At that point I just requested that the charge be removed. They refused and when I asked to speak with her manager or supervisor, she stated that her managers and supervisors do take calls. I asked for an email address and she stated that she would not give me that information and that she was the last line of contact. When I requested that the account manager, XXXX, give me her name and spell it for me she seemed hesitant. I also requested the name of of her manager or supervisor along with their ID # and she said her name was XXXX and " they '' would know who she was when I relayed that information. I stated that I needed this information for the formal complaint that I would be submitting to the CFPB. She stated the she could/would be submitting a complaint as well. I asked her what complaint would she be submitting in regards to a customer refusing to pay a bogus interest charge accessed to their account. 
This is unfair and predatory business practices on behalf of Capital One.
Product: Mortgage

We had an Insurance claim and the money went to the mortgage company. The work has been completed and inspected. We paid the contractor out of pocket and the mortgage company is not being reasonable in releasing the funds. We have provided everything they have asked for, sometimes submitting the same information twice and they have taken an unreasonable amount of time to release funds. They are very obviously withholding funds and taking longer than necessary to release funds. They have also stated certain things were not submitted correctly or that they weren't received when we can see what was submitted correctly and received right on their website.
Product: Mortgage

I have been requesting a mortgage payoff statement for the past 3 weeks. The company does not mail me the mortage payoff statement and has not returned my calls when i've reached out to customer service. 

additionally - i have tried to make extra loan payments online - but the mortgage company ( Citizens One Home Loans  ) charges me a {$10.00} fee and {$40.00} separate fee for making extra payments online. This is predatory lending. 

They are not allowing me to pay off my mortgage and I want to pay it off in full since the interest rate is very high ( 8.125 % ). 


Customer Service Monday through Friday from 8 a.m. - 5 p.m. 

XXXX XXXX Option 1 - XXXX XXXX   Notices of Error or Requests for Information Citizens One Home Loans Attn : Customer Service XXXX XXXX  XXXX XXXX XXXX, VA XXXX Collections Department Monday through Friday 8 a.m. - 8 p.m. 

XXXX XXXX Option 1 - XXXX XXXX
Product: Mortgage

Support payments decreased Husband  tells me when to spend support and how Cant make payments when others are managing my finances Beyond my control
Product: Credit reporting or other personal consumer reports

This company is reporting late payments against the consumer protection law and where I have never paid late