23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX WELLS FARGO HOME MORTGAGE= ( WFHM )/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX )/ XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau= CFPB Consumer=XXXX XXXX XXXX XXXX Here is the issue as a consumer we have done the complete administration process of the 1946 Act. 
1. Wells Fargo defaulted on the contract and could not produce the required information for the consumer AW. After which the Mortgage Note with WFHM was rescinded.

2. WFHM failed to respond via certified mail. WFHM didnt do what was lawfully required once rescinding had been received. After which, the Administrative Process was done and completed with the XXXX. Around XX/XX/XXXX XXXX. ( Fast forward to Allege Summons issued 9 months later by 3rd party debt collectors and not properly signed or endorsed by a judge this was XX/XX/XXXX ) 4. XXXX along with the XXXX XXXX and XXXX XXXX firm all debt collects that never produce the wet ink signature that was requested or the oath of office, as they are not Privity to Contract anyway. 
5. I realized that even after I challenged Jurisdiction by me continuing to interact gave them precedence to continue their agenda. Many attempts to get the alleged judge to rule in my favor for a summary judgment have been denied serval times. 
I objected on the record to their Twelve Presumption of Court canon law 3228. 
I am filing this complaint because the Center Supreme Court of the State of Illinois is a Private for Profit Corporation with a XXXX and XXXX XXXX number # XXXX  I want the Consumer Financial Protection Bureau to record the violation that are listed in this complaint ( BELOW ) and hold the officials of these entities responsible to the consumer that they have done unthinkable damage to our mental and financial stability. A list of the horrific violation done by THE ENTITIES ACTUAL OFFICIAL THAT make the decision : let the record show we have 4 cases and 3 cases have been CREATED BY THE ACCUSED IN SEEKING SETTLEMENT AND RECOUPMENT AND CLOSURE.

Exhibit = 1a Notice of default Certified Judgment of Un-rebutted Affidavit with witness Here are a few of the violations that have been commented on by Officials : Title 18 : USCS~1001 & 1002 false statements Title 18 USC 241 Conspiracy, Under Color of Law Title 18 USC 242Deprivation of rights under color of law Title 42 USC 1985 ( 2 ) Obstruction of the Justice Title 15 USC 1611 Criminal liability for willful and knowing violation Title 12 USC 1831 General Accepted Accounting Principles Sincerely, consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Has reported this account on my credit report for longer than they are allowed. This account has been paid in Full Since XX/XX/2015. I have reached out to this Creditor in regard to having this account removed due to the fact that this type of account prevents me from being able to get certain Jobs in my current field.
Product: Credit reporting or other personal consumer reports

I attempted to have Experian to check the accuracy of these account on my consumer report. I reached out to the company directly as well, these accounts have been removed from my XXXX consumer report.
Product: Credit reporting or other personal consumer reports

I am filing this complaint as an individual consumer. After examining my credit report, I noticed erroneous late payment entries. Despite sending written correspondence over XXXX  days ago, I have not received a response, nor have they provided adequate validation for these inaccurate entries. I respectfully request your intervention to facilitate a resolution to this issue.
Product: Mortgage

I have ask for forbearance they said ok then said the company wont give me a forbearance they wont help me at all Im going to loose my home if I dont pay the whole amount due
Product: Checking or savings account

I dispute things off my credit I didnt know now I have 0 credit I cant see it
Product: Debt collection

They have been calling for several years. This is supposedly for a debt that is owed by a son who has not lived with us for over 20 years and has not used this phone number than longer than this amount of time. This company calls using their name and hangs up when the answering machine answers. There are repeated other phone calls that call first and hang up with the answering machine answering, then followed by another call from this company. I have stopped answering any of their calls, More than two years of telling them that he doesn't live here, is not at this number and their lies about his being sued etc and having been contacted by them. If he owed a debt his phone number has been a matter of public record for the entire 20 plus years that he hasn't lived with us and before. These phon743e calls start in the early morning and continue throughout the day and evening. They are truly a harassment. The company name is Portfolio Recovery and one of their many calls comes from XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX Department of Ed/XXXX  Account # 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

I just reviewed my consumer report and found that there are still unauthorized inquiries. I already communicate to Equifax requesting for reinvestigation unfortunately the issue remains unresolved to this day. 


1. The inquiry was not authorized XXXX Date of inquiry : XXXX Please remove it from my credit report.

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX Please remove it from my credit report.

3. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XXXX Please remove it from my credit report.

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX Please remove it from my credit report
Product: Credit reporting or other personal consumer reports

My information was exposed to a data XXXX. I have inquiries on here that I did not authorize on my account.
Product: Credit card

On XX/XX/XXXX, I received a notification that Bank of America was sending me a new credit card as my current card was expiring in XX/XX/2023. 
On XX/XX/XXXX, I received a notification via email that my card was updated in XXXX XXXX at XXXX XXXX  On XX/XX/XXXX, I received a message from Bank of America asking me to confirm a charge from XXXX for over {$6000.00}, which I responded saying no that was not me making that charge. I then logged into my account and saw an additional charge had been made for {$9500.00} cash from a XXXX XXXX, which was also not me. I called the Bank of America fraud line immediately and alerted them to this and they cancelled the card and sent a new card with a new number. I completed this around XXXX XXXX. 
On XX/XX/XXXX, I saw a fee for the fraudulent transaction had been issued to my account for {$470.00} dollars. I called Bank of America to alert them to this and they agreed to credit the account. They were unable to provide an updated status for the initial fraud claim at this time. 
On XX/XX/XXXX, I received a notification saying my account was credited with the {$9500.00} while the claim was being researched. 
On XX/XX/XXXX, I received a notification that they were unable to pay, saying " We confirmed your card was used for the charge ( s ). The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present. '' However, the current card was with me and I was home the entire time for both charges. There is clear evidence of fraud seeing as there was an additional charge attempted directly following this charge. I never received the new card that was sent on XX/XX/XXXX. And I made no updates in XXXX XXXX  to prompt those notifications I received, so I assume that occurred either because they activated the new stolen card or they set up XXXX XXXX  with my account info. 
I have asked this claim be re-opened with Bank of America, but in the meantime they are not crediting the {$9500.00} charge to my card.
Product: Credit reporting or other personal consumer reports

My account with SELF LEAD was never late! I have had exceptional payment history witH XXXX XXXX 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 m
y 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 d
ays before the payment due date.

SELF LEAD 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: Credit card

This complaint is to the Credit Card issuer ( XXXX XXXX from Comenity Bank ) : 1 ) I overpaid the XXXXXXXX XXXX statement by paying twice and provided proof that my bank account had been charged the same amount twice. 
2 ) When I initially talked to a few representatives from the company, one person was able to give me a refund for the duplicate payment. 
3 ) The Credit Card issuer than posted a charge called CREDIT BALANCE REFUND and asked me to pay the duplicate payment amount again on the XXXXXXXX XXXX statement. This is the amount I had overpaid and was previously refunded for. After seeing it again on the XXXX statement, I was forced to pay it to avoid interest. I called the company and they refused to deduct this disputed amount and required me to pay it. 

I believe this is cheating, the company created a nonsensical CREDIT BALANCE REFUND charge to deny my refund and is not willing to deduct it, forcing me to pay. 

I am the victim of this cheating, please help look into it. 

Thank you
Product: Student loan

Original Loan was {$14000.00}. I have been making payments since 2020. Today the loan balance is {$14000.00}. They changed the interest rate with no notification. They do not provide and monthly or yearly report. I thought I should be getting close to paying it off, what a shock. I think there business practices are under handed and deceitful. I requested a payment break down and never received it.
Product: Mortgage

My " mortgage company '', only because GMAC dropped us there when they quit us, Ocwen once again is trying to push us, who have never missed a mortgage payment in our lives, into default by continuously not mailing us a payment request form. They did this to us a year ago and after complaints they resumed sendings. Last month : nothing ... we had to dig up information and write them a letter along with our payment. This month again nothing. they seem to be trying to deliberately cause a problem for us. We onle owe {$48000.00} on a {$200000.00} home. they seem to want to get their hands on our home through default.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I traded in a XXXX XXXX XXXX XXXX for a newer XXXX XXXX XXXX. XXXX XXXX XXXX of XXXX, TX, took this vehicle on trade and was to pay the lien of {$10000.00} to JPMCB AUTO FINANCE # XXXX. As seen on credit report, all of my payments prior to trade in were made on time. My credit History is EXCEPTIONAL and this incorrect report is negatively affecting my rating!
Product: Credit reporting or other personal consumer reports

I am disputing the validity and requesting validation for completeness of accuracy of the information listed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], this disputed item must be validated or deleted and removed from my credit record within 5 days. During this investigation and validation period, this item must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. These accounts are also in violation of Pennsylvania state law title 42 PA.C.S 5525. I attempted to insert this issues with the credit bureaus. However, I had no response The accounts in question are listed below along with uploaded screenshot of inaccuracies : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX. Four year limitation. 

( a ) General rule. -- Except as provided for in subsection ( b ), the following actions and proceedings must be commenced within four years : Please note the following : Title 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 




.
Product: Credit reporting or other personal consumer reports

I received an alert from my XXXX XXXX credit report informing me of a credit inquiry from JPMCB CARD SERVICES, on XX/XX/XXXX XXXX XXXX 
I have not had any contact with this company. I have not authorized any company to access my credit report.
Product: Debt collection

Phone number XXXX has repeatedly called, robot picks up and says no one is Available to answer. 

If I dont pick up, they leave a voice mail that has No message, and generally only tends to say XXXX and cuts off. 

Has texted me from suspicious spam like numbers and links that do not seem legitimate. 

No idea what this is about. 
There is no information provided. 

Ive responded to texts and calls saying please dont call or please send me verification of debt. 

There is absolutely no human response Ive received for the past year theyve called. 

There was never any formal contact or communications sent to me except frequent spam like calls, that end with robots that answer that repeat a phrase and never actually responds, leaves spam like voicemails. Never no actual intent on communicating
Product: Bank account or service

I opened a student checking account at Cathay Bank. They switched my account to a Personal Checking account with a daily minimum balance of {$1000.00} WITHOUT informing me in writing. The only indication that my bank account type has changed is the {$10.00} maintenance fee on my XXXX monthly statement. While their current website says the student checking account is only valid for XXXX years, it does not say, and I was never informed, that my student checking account would be AUTOMATICALLY AND WITHOUT NOTICE changed into a Personal Checking account with a XXXX monthly maintenance fee. Had they informed me, IN WRITING, I would have closed my account and created a new student checking account, as I am still a student. They later told my power of attorney XXXX PoA XXXX that in order to renew a student account, I had to fly back personally, XXXX, to do so, even though my student status is unchanged. 

When my PoA went to the bank, on XXXX, a teller told her only that the {$10.00} maintenance fee was because my new account type had a minimum balance that we did not meet. To rectify this, my representative wrote a check for {$500.00} to Cathay Bank to satisfy it, since she was only told verbally that there was one. No bank personnel advised my PoA that this was a DAILY minimum balance rather than a monthly minimum, and they failed to give us the relevant Bank Account Disclosures for the new Personal Checking account. 

When my PoA returned to close the account on XXXX with an account representative, she was told that we were charged another {$10.00} in XXXX because we were under the {$1000.00} for a few days, which again, nobody informed us was a DAILY minimum. Had they given me the account disclosure materials, in writing, we would have known that this was a DAILY and not a MONTHLY minimum balance before they charged another {$10.00} in maintenance fees. Consequently, because they deducted the second {$10.00} in fees for XXXX, they informed us that we would see another {$10.00} deducted in XXXX because the new {$10.00} they deducted for XXXX officially put my account below the {$1000.00} daily minimum balance again. 

Had they advised us IN WRITING before changing my account type and then given us the Bank Account Disclosures, I would not have been deducted {$30.00} in maintenance fees due to their negligence. One of the agents at the bank, after some time arguing with my PoA, agreed to consider making an internal note waiving one of the {$10.00} fees but " but we will be charged in XXXX as well. '' The staff at Cathay bank refused to let my PoA close our account, claiming that we had a safety deposit box with them, which is neither here nor there, given that we could have removed the safety box.
Product: Credit reporting, credit repair services, 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. 

Date Reported : 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

old information has remained on my report after requesting it be updated and i submitted my new information to all 3 and now i am getting multiple emails from the places they sold my personal info to.

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 XXXX XXXX DEPARTMENT OF EDUCATION ( CLOSED ) XXXX XXXX  XXXX XXXX XXXX ( CLOSED ) XXXX XXXX XXXX XXXX ( CLOSED ) XXXX XXXX XXXX XXXX ( CLOSED ) i did not give them any written instructions saying that they could publish collections from an old acct that was charged off years ago and i have requested a copy of any contracts that i have signed with the collection agency and they did not supply me with that information, but its still on my report. 

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.

they all are reporting inaccurate addresses, employment, accounts, late payments etc. i have not given written permission for any of these things to be published or shared.

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, credit repair services, or other personal consumer reports

My husband passed away on XX/XX/2018, and I am a XXXXold widow who is still in mourning. I was told ( correctly ) by XXXX XXXX XXXX Master Card that, as an authorized user, I could neither use their card, nor would I be responsible for my late husband 's debts. As a result, I panicked because I had never been responsible for finances before, and I did not know which credit cards I could still use as a co-owner, and which I could not as only an authorized user. As a result, out of naivete, I did something XXXX and applied for too many new credit cards in my own name at once. This, of course, changed by credit rating which is still ( at last glance ) rated between good and very good in all three credit files. My complaint is with XXXX Bank and their " XXXX XXXX XXXX XXXX  '' Master Card. While I understand their concern, their response was both incompetent and consumer unfriendly. In my naive hunt for new credit cards, I opened the " XXXX XXXX XXXX XXXX '' Master Card, because I like XXXX XXXX XXXX XXXX XXXX  merchandise. I made a few very small purchases on that card -- under {$50.00} each -- and paid my bills on time and in full. Nevertheless, XXXX Bank cancelled my credit card about three days after my timely payment in full. The bank also showed some incompetence prior to this that I should have taken as a warning of bad things to come. After my application was accepted online, I received no additional response -- which was odd. Since I applied on a Sunday, I figured that my application had somehow not gone through, and I more or less forgot about it. Suddenly, a few weeks later, my card appeared in the mail. I activated it, but when I tried to use it for the first time, it would not go through. I called customer service, and a very nice and helpful woman said that my card had not been activated, and she activated it ( a second time ). That was all okay with me, and my order went through. I also placed a second order ( under {$50.00} ) with no problem. However, these initial irritations served as something of a harbinger of incompetence to come. I know that credit card issuers may legally cancel any account at any time that they wish, but I believe that I was treated very badly as a consumer, and that XXXX Bank is horribly incompetent.
Product: Mortgage

My wife and I are retired XXXX veterans. We found our retirement spot, had a home built and the asking price is {$570000.00} and the appraisal came in at {$530000.00}. I receive XXXX, VA XXXX, XXXX retirement and Military retirement. My wife receives XXXX retirement and VA XXXX. My brother passed XXXX and left me the only executive of his estate. In the last 2 years Ive received about {$200000.00} in back pay from VA and DOL. We are being treated like we are doing something illegal. We started this loan in 2019 and still being asked for bank statement. We have the money to go to closing. XXXX veterans should not be treated like this.The builder is losing money, and we have to pay {$100.00} a day to the builder until we close. The house didnt appraise as it should have because the same builder just closed on a house down the street with the same features but we have an acre lot and the other house had a half acre. So what if we paid to much, its our money.