23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My wife and I are in the process of assuming an Veteran 's Affairs home mortgage through loan servicer/provider Mr. Cooper. The property is located in Virginia. 

I am submitting a complaint against Mr. Cooper because we began the loan assumption process in XXXX, and nearly 6 months later we still have not closed on this home. We were originally quoted 90 days, and we are approaching double that time. 

A recent Veteran 's Affairs Circular stipulates " Loan holders, or their authorized servicing agents, with automatic authority shall process and decide assumption applications for loans they hold or service within 45 calendar days of receipt of a complete application. '' However, it has taken an unreasonable amount of time for the loan assumption process to close. The Dept. of Veterans Affairs allows Mr. Cooper to service loans in Virginia, and that right should not allow Mr. Cooper to drag a request like mine well beyond a reasonable timeframe to purchase a home. 

Most recently, we received conditional approval for the loan in XXXX. Mr. Cooper has reached out twice since then asking for some information and documents, some of which we had previously provided, and several others which are superfluous. My wife and I have 3-4x the required down payment, and virtually no debt ( some almost paid off student loans ), and can not fathom why we have not been approved yet. In fact, we haven't heard from them in over a month despite several calls and emails. 

I'm submitting this complaint to hold Mr. Cooper accountable, flagging to other consumers about their poor communication and effectiveness for buyers and sellers. I can not even imagine the Sellers ' perspective - former Veterans who have made our country proud through their service. Yet their country 's financial institutions ( Mr. Cooper ) have turned their back on them, continuing to extend the loan assumption process unnecessarily, resulting in XXXX XXXXXXXX of additional dollars of loan repayment.
Product: Credit card

I am writing to file a complaint against Discover regarding a charge-off reported on my credit report. The account in question was opened on XX/XX/2022, and the amount charged off is {$2300.00}. 
This charge-off is adversely affecting my credit report, and I have been unable to resolve the issue directly with Discover. As the original creditor, Discover is responsible for issuing a 1099-C form. To date, I have not received this form, which is required for accurate tax reporting. 

To underscore the seriousness of my request, I am prepared to file IRS Form 3949-A to report potential tax discrepancies if Discover fails to comply with my requests and correct their records.
Product: Checking or savings account

My chime checking account was fraudulently being used and as a result funds were being taken from my account as well as being used.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN 's Incorrectly reporting my fully paid XXXX XXXX XXXX account with zero balance as in collections ; In XXXX and XX/XX/2021, Experian failed to conduct the required fair investigation and re-investigation of my valid disputes ( with Exhibits ) and delete XXXX XXXX XXXX ongoing Opened XX/XX/2021 false and bogus {$340.00} XXXX XXXX XXXX collection from my exceptional credit history and files/reports ( FISCO Scores above XXXX to low XXXX ). 

Also as of this date, Experian and XXXX XXXX XXXX refused to provide me notice and/or proof of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$340.00} alleged debt. See Attachments.
Product: Mortgage

My mortgage was transferred in XXXX and did not receive notice until about XX/XX/XXXX when I got a letter in the mail about the transfer. I signed in to create an online profile, however, I was unable to make any online payments at that time. I owed for XXXX and XXXX at that point. I sent a check on XX/XX/XXXX that covered the XXXX payment and more than half of XXXX payment. That check was credited to my account 3 days after I sent it. The following month, I sent another check covering the rest of XXXX and XXXX on XX/XX/XXXX ( still not allowed to make online payments ) and that check was held by the company for over a week before being cashed. Because they held onto to my check and took over a week to credit to my account, I was reported late to the credit bureau. I've spoken to Shellpoint, explaining to them that being a new customer, being denied access to pay online, my only option to pay was sending a check to pay my mortgage. They refused to correct the reporting. I asked if there was detail on when my check was received and was told the only records is when the check was cashed. Had I been able to pay online, I would have and avoided this entire mess. I made sure to mail the payment so they would receive it on time and based on how quickly they cashed the first check, there was no reason for me to believe it would take so long to process the 2nd check I sent. I know in my gut my payment was not late. But they reported me late anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Checking or savings account

My ex boyfriend and I each opened bank accounts with Ally inXX/XX/XXXX so we could transfer money to each other easier and keep track of it. He apparently used my social security number to open his as well, although I made it clear I did not want a joint account and opened my own personal account like we had discussed. I recently got an email saying the account was overdrafted which confused me because I never actually even used my own ally account since opening it. I called the bank and they said my social security number was submitted when he had opened his own personal account, which I specifically did not authorize. In order to close out the account the remaining balance must be paid off.
Product: Credit reporting or other personal consumer reports

I am writing to address a serious issue regarding my credit report. Despite my recent requests to remove fraudulent accounts and inquiries, as referenced in reports XXXX, XXXX, and XXXX, new fraudulent entries continue to appear. This ongoing problem is extremely concerning and requires immediate resolution. New Fraudulent Inquiries : XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Please take immediate action to remove these fraudulent inquiries from my credit report. Additional Fraudulent Account : XXXX XXXXXXXX XXXX - XXXX - XX/XX/XXXX. This account does not belong to me. Kindly review and remove it from my records. Your prompt assistance in addressing this matter is greatly appreciated. Please confirm once these fraudulent entries have been removed and provide any necessary documentation or updates regarding this request. Thank you for your attention to this urgent issue. I have attached my FTC report, ID, and proof of address.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number XXXX Account Name : XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX Account Number XXXX Account Name : XXXX Account Number XXXX Account Name : XXXX  Account Number XXXX Account Name : XXXX  XXXX Bankruptcy Account Number XXXX Account Name : XXXX  XXXX Bankruptcy Account Number XXXX and list of Inquiries. 


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 XXXX  years.
Product: Consumer Loan

On XXXX XXXXI purchased a XXXX XXXX from XXXX XXXX in which Santander financed ... I made payments of {$300.00} each month thereafter ... XXXX XXXX I traded the XXXX XXXX for a new XXXX XXXX ... a few days afterwards I received a XXXX from Santander. I was confused as to why I was receiving this so I contacted Santander. I was referred to several departments and after finally talking to someone I was told they would have to research it and get back with me in 7 days ... .after 7 days I never heard from anyone so I contacted Santander again only to be told that it was an issue that needed to be handled by the IRS ???? I feel like I am being given the run around ... .according to the XXXX the event took place XXXX/XXXX/XXXX for XXXX ... the only thing happened in XXXX was my normal monthly car payment. I feel like Santander submitting false information to cover their company. The VIN listed ( XXXX ) is referencing a car different from the car I financed with Santander ( XXXX ) is the VIN for the car I have been making monthly payments on for the last year ... I ca n't understand why I am penalized for making payments. I am a victim of fraud. I really believe this company should be investigated to see if they have been giving others XXXX to cover their financials.
Product: Credit reporting or other personal consumer reports

I made various disputes on the XX/XX/XXXXaccount. To have it completely removed due to the incorrect reporting. Ive sent numerous of documents showing that its been paid and closed out. Yet they keep sending emails saying its been verified which lead me to believe they did not investigate at all which is unlawful. According to 15. U.S.C 1692C they have violated my rights by unlawful communications they need to remove this collection off of my credit report thank you.
Product: Credit card

I signed up for XXXX American Express cards - a regular XXXX card, and a XXXX XXXX card. Each of these cards offers a bonus if you refer someone using your account - the regular XXXX card offered XXXX points per signup, and the XXXX XXXX card offered XXXX per signup. I was able to get XXXX people to sign up, XXXX for the regular XXXX at XXXX points ( XXXX total ) and XXXX for the XXXX XXXX at XXXX points ( XXXX total ). However, none of the points ever posted, and I 've been complaining and exhausting all options and yet I still can not get anyone at American Express to help me - they just state that the people who did n't sign up did n't use my link. Mind you that I literally stood over some of them while they used my link, and all XXXX will vouch that they did use my link, and I have proof that my links were sent to these people through the American Express website. I 've gotten nowhere with American Express and believe they have a system glitch and are just trying to weasle out of paying me my XXXX points owed. Also, there are multiple people online who had the same issues with these XXXX specific XXXX cards. Where can I go from here to make American Express follow through?
Product: Debt collection

Within the past two years I've been evicted twice. The US Department of Education garnished my tax return in XX/XX/2018 of {$2000.00}. XXXX XXXX is attempting to collect a debt that I can not validate, and they continue to submit negative marks on my credit while the US Department of Education, XXXX XXXX, XXXX and XXXX also take collection activities on me. 

I have to qualify to buy a car since mine got REPOSSESSED because the US Department of Education failed to return my {$2000.00} tax refund while I was going through an eviction this year in XX/XX/2018. I've told XXXX XXXX that I can not make payments, and reporting negatively on my credit will only make my financial situation worse.
Product: Checking or savings account

I have had issues with fraud three times over a short period and was denied one claim during the confined timeframe discovered. I thought I did a great job in outlining the timeframe, the type of transaction, place of transaction and it's association to a legitimate transaction done at the same time. That being from XXXX to XXXX and additional three charges, at pay at pump at for the most part XXXX.. 

I laid out the basis of claim being I'm single no kids and only person that uses the card, and that outside the timeframe very little transactions at XXXX. The amounts are always {$30.00} {$40.00} {$50.00} for example. 

I get gas once daily and stop in the store for breakfast anything outside of this is fraud, and pointed out that before and after the timeframe this is consistent and true. 

Well, today, an online bank I started with 10 days ago, showed indications for the same scam going on. So I called me. XXXX XXXX of XXXX who LEDs me to XXXX in the aims department, who was brash, short, and uncaring. She indicated that since it's a chip card, it can't be duplicated so it's denied. This is a false statement. 

She also could not provide a timestamp for a transaction which was part of the original claim that was denied. How can you make a inclusive comprehensive investigation without basic information about a transction in question. 

I believe I am targeted and a simmer or some other technology has cloned my information.
Product: Debt collection

I tried to validate and dispute the debt. Company refused and claimed that I owe {$1900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is claiming to have not been provided with my personal information as a means to not delete the errors that remain on my credit report.
Product: Debt collection

XXXX XXXX XXXX XXXX i received treatment from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I am 100 % XXXX XXXX  and before I could receive treatment, the VA representative had to approve and sign off on treatment. The hospital decided to send the bill to my name and when I explained it needs to be sent to the XXXX said its not their job. Then sent it to the SOS Group and for over XXXX years, with multiple calls with a VA rep and the SOS collections explaining I, the veteran am not responsible for the debt. The agency refused to bill the VA and the hospital said they didnt own the debt anymore. I received receipts from the XXXX  XXXX XXXX  for payment and the collections agency is refusing to remove the debt but continue to tell me I can pay them directly. I was also told I needed to take a manners class and I was yelling ( I had a ventilator and lost all loud speaking abilities-so I in fact, was not or able to yell. ) The collections agency refused to call me back and told me its not their problem about my credit. I asked to submit proof of payment and they would not allow me to. They also called me back to ask why I keep disputing their collection on my credit and they said we can not verify you dont own this debt. I repeatedly said they did know this when we had multiple calls with the VA rep and they said very plainly that I, XXXX XXXX ( previously XXXX XXXX during services ) am not responsible for paying them. The collection agency told me again, I could pay them although the debt has been paid and I have receipts but refuse to accept them or remove the collection.
Product: Mortgage

WELLS FARGO COMPLAINT XX/XX/XXXX Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Fl XXXX Loan # XXXX To whom it may concern : I, XXXX XXXX XXXX, am filling a complaint of UNFAIR LENDING PRACTICES AGAINST WELLS FARGO.

After hurricane Irma hit florida in later XX/XX/XXXX, Wells Fargo Bank targets certain clients to lure them into Hurricane relief program.

And once inter program, they would encourage additional payment deferment program such as loan modifications.

Once, client accepts program and especially are economically impacted by the hurricane.

Wells Fargo Bank will than starts charging unnecessary Fees such as Multiple Appraisal Fees and other late Fees and UNFAIR ACCELERATED FORECLOSURE PRACTICES while in the program.

Also, Wells Fargo Bank pushes into fixing home while in Modification process.

After a few months have gone by, they declined your request and with unknown reason and When you asked the representative the reason for denial. They said is income and another time is too many modifications. Every time you challenge the first reason and they will give you another reason for denial.

Wells Fargo Bank purposely use the hurricane Relief Program to make you late for several months and charge me Unnecessary and Unfair late fees and because client can not pay the arrears. They forced into Short Sale and worst FORECLOSURE.

I AM REQUESTING A FULL INVESTIGATION OF WELLS FARGO BANK UNFAIR PRACTICES IN ORDER TO CHANGE ILLEGAL FEES AND PRE ACCELERATED FORECLOSURE PROCEDURES TO TAKE ADVANTAGE OF EQUITY HOME OWNERS.

I look forward to hear from your department very soon of this very important and unfair treatment from Wells Fargo Bank against it customers. Im counting on you to look into this matter once and for all. I believe even the National Medias need to be aware of this unscrupulous behavior by Wells Fargo Bank.

I WANT TO SAVE MY HOME AND AFTER PAYING MY MORTGAGE FOR OVER 14 YEARS.

I AM ASKING WELLS FARGO BANK TO ALLOW ME TO REINSTATE MY REGULAR MORTGAGE PAYMENT AND TO DEFER THE ARREARS OR PAST DUE PAYMENTS.

I intend to pay the bank every cents that I owe to them minus the unfair fees.

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX   Email : fXXXX  Phone : XXXX
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for weeks but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi this is XXXX XXXX. with XXXX writing wth regards to the letter I sent you last time because it seems you have not taken action. there has not been changes nor I received a response from your agency. I hope that with the help of CFPB you will take everything seriously because the errors that I was asking for you to delete was all inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My highest credit score was XXXX, on XXXX XXXX. I contacted XXXX XXXX XXXX and informed them I wanted to pay the debt off because I wanted to apply for a home loan, needed to improve my credit and possibly start service with them again. Before making the payment, I asked the representative will the Diversified Consultants report be removed from my credit report since I am paying them and they are the original debtor? I also, asked for a letter in writing, however, she informed me she would email me my receipt and that was my proof of paying and that XXXX XXXX would receive proof of payment remove themselves from my credit report completely. I proceeded to pay {$1300.00}, and I received my receipt as promised via email. I called Diversified Consultants and informed them, I'd paid XXXX XXXX XXXX XXXX in full, and asked for deletion of their account on all 3 credit bureau because the balance has bee paid to XXXX XXXX XXXX. Diversified Consultants informed me they do not delete reporting and the account will stay on my report for 7 more years and they will report the debt as {$0.00} paid, closed. My credit score has since dropped down to XXXX, 41 points. I AM NO LONGER ABLE TO APPLY FOR A HOME LOAN! I should have left the debt alone if this was going to happen. This is not just, I paid the debt through XXXX XXXX XXXX, and was LIED to. I want Diversified Consultants removed/deleted from all 3 credit reporting agencies completely.
Product: Debt collection

Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, State MA, Zip CodeXXXX Your Phone Number Your Email XXXX Date XX/XX/2024 Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, OH XXXX RE : Complaint Regarding Debt Collector Abuses and Dispute of Debt by [ Name of Collection Agency ] Dear CFPB, I am writing to file a complaint against [ BARCLAYS BANK DELWARE XXXX for violating the Fair Debt Collection Practices Act ( FDCPA ) and to dispute owing any and all debt to them. 

Account Information : Name of Collection Agency : [ BARCLAYS BANK DELWARE, 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 Dispute of Debt : I hereby dispute owing any and all debt to THESE AGENCY ABOVE. I have not received the required validation information mandated by the Fair Debt Collection Practices Act ( FDCPA ) under 12 CFR 1006.34 ( b ) ( 5 ). Despite this lack of validation, they have already placed a collection notice on my credit report, further violating my rights under 12 CFR 1006.34 ( b ) ( 5 ) ( i ) which grants me the opportunity to dispute the debt before it is reported. 

Additionally, the collection agency has violated my consumer rights by using : False, misleading, or misrepresentation deceptive strategies. Please specify any examples you have of these tactics. 
Furnishing any account information to a consumer reporting agency without proper authorization. 
Requests : Cease all communication : I revoke all rights for AGENCY ABOVE to communicate with me through text messages, emails, phone calls, or letters. 
Debt Validation : I request a debt validation notice in writing, which must include the amount of the debt, the name of the creditor, and a breakdown of charges. 
Purchase Agreement : I request a copy of the purchase agreement between Collection Agency and the original creditor, proving they have the legal right to collect on this debt. 
Proof of License and Bond : I request proof Collection Agencyis licensed and bonded to collect debts in my state. 
CFPB Investigation : I request that the CFPB investigate these allegations and take appropriate action against [ XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ]. This action may include ordering them to cease their abusive practices, correcting any inaccurate information they have reported, or even fining them for their violations. 
Attached Documentation : I WANT THESE REMOVE OFF MY CREDIT Thank you for your time and attention to this matter. I look forward to your response and a resolution to this problem. 

Sincerely, Your Signature XXXX XXXX XXXX Your Typed Name XXXX XXXX XXXX