23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

MrCopper mortgage company LOAN NUMBER XXXX Borrower : XXXX XXXX We like to file a complaint to Mrcooper on their business conduction. 
1. ) We are still waiting for the overage, with 3 attempts to them and no responses. 
2. ) We applied for bi-monthly payment and noticed the extra payment is sitting in Unapplied Funds. 
3. ) Previous 2 years, they never disclosed the new adjustable interest rates as noted in the original document 45 days in advance. 
4. ) All emails to them were NOT responded. 

Enclosed is the screen shots on my last 4 transactions on payments. 

Thanks This is not your payoff amount. 
Unapplied Funds XX/XX/2021 {$1800.00} {$0.00} {$0.00} {$0.00} {$1800.00} {$0.00} Principal Payoff XX/XX/2021 {$240000.00} {$240000.00} {$0.00} {$0.00} {$0.00} {$0.00} Monthly Payment XX/XX/2021 {$1200.00} {$750.00} {$520.00} {$0.00} {$0.00} {$240000.00} Additional Principal XX/XX/2021 {$500.00} {$500.00} {$0.00} {$0.00} {$0.00} {$240000.00} Unapplied Funds XX/XX/2021 {$640.00} {$0.00} {$0.00} {$0.00} {$640.00} {$240000.00} Additional Principal XX/XX/2021 {$500.00} {$500.00} {$0.00} {$0.00} {$0.00} {$240000.00}
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX  - XXXX - XX/XX/XXXX - {$5600.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$380.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$860.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$610.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$310.00} INQUIRIES : XXXX  XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/XXXX
Product: Prepaid card

I used my AMEX bluebird prepaid card to secure a hotel for 2 days, the room rate was XXXX which with taxes came out to XXXX a night. My card was charged XXXX separate times for over XXXX dollars. I have gone through the dispute process twice now which is very long, submitted all proofs and receipts and they still have not given my money back. They do not allow me to speak directly to there dispute department and will only talk to me through there customer service number, which claims to want to help but ca n't.
Product: Student loan

I am co-signed on XXXX student loans on behalf of my son. The loans were for incurred while he was attending XXXX College and XXXX College. The loans in question are owned by Wells Fargo. My wife and I have been making repayment of the loans since my son has not made any repayments and we did not want our credit damaged. We have been steadily increasing our repayment amounts in order to accelerate payoff and reduce interest. In our XXXX XXXX payment statement we noticed that the interest charge for that month was nearly half of the entire amount of interest we had paid in XXXX upon further investigation it became apparent to us that Wells Fargo had intentionally applied our entire monthly payment to only XXXX of the XXXX loans. it had been our practice to pay more than the minimum required payment for a number of years previous. Wells Fargo had been applying payment in excess of the minimum equally to each loan. Wells Fargo arbitrarily changed their practice and applied the entire payment amount submitted to only XXXX of the loans for the entire year of XXXX. We did not receive any written or verbal notification from Wells Fargo regarding a change in how they were applying our payment. This only came to our attention when we noticed the higher than normal interest charge in the XXXX XXXX statement. After multiple calls to Wells Fargo in attempts to resolve this issue I filed a complaint with the CFPB in XXXX of XXXX out of frustration with Wells Fargo 's stonewalling and bullying tactics. As a result of my complaint to the CFPB Wells Fargo agreed to only waive the interest charged due to their incorrect application of our repayments. After numerous fruitless phone conversations with Wells Fargo representatives I accepted their offer. As a result of the CFPB 's recent findings regarding Wells Fargo 's college loan illegal actions as well as Wells Fargo 's most recent illegal actions by their lending employees. I ca n't help but feel that my case should be reopened. 
Because of Wells Fargo 's mishandling of our repayments and their inflexible position regarding our student loan payments and balances. I feel that all of the findings you post on this site regarding your judgements against Wells Fargo apply in our case.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> i had sent the initial dispute letter to both transunion and experian requesting the dispute of the record showing on my credit report. I had mentioned that there was a major Major discrepancy and that they need to fix it or provide me with proof that it will remain but i received an automated response a few days later ( not even a real investigation time of XXXX  days ) saying that they believe this request was made an error then i reached out to the courthouse asking them if hey report information to the credit bureaus and they reply and said no infact they couldn't even find any record in their system. i disputed this information for the XXXX time on XX/XX/year> and i included the letter i got from the courthouse this time they put the dispute remarks but the disputed lasted a total of of over XXXX days and by the end of that they just said that it will remain without an explanation please see attached letters i sent them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I received a truck loan from this company in XXXX this company reported that I received the loan in XXXX. I did not sign any documents or contracts with this company in XXXX I surrendered the vehicle theyre showing a repossession on my credit and they continue to update my file on purpose lowering my XXXX XXXX. The companies name is Forman financial in XXXX XXXX California. I submitted a complaint with the credit bureaus they said the information is correct its not correct. Thank you
Product: Credit reporting or other personal consumer reports

I made a payment on my XXXX  credit card from XXXX XXXX on XX/XX/XXXX. The due date was XX/XX/XXXX I was only about XXXX weeks past due and I made it a payment. 

The payment showed in my account as a posted successful payment. It said " Payment Thank you '' {$230.00} ( See attached screenshot ) On XX/XX/XXXX I received an alert from the credit bureau that I received a late payment from XXXX  credit card. Upon further looking into it, I was advised by XXXX XXXX that the payment account was not good and payment was not successful in which I made another payment again on that same day. 

However, it is still reporting as 30 days late on my report when in fact I made a payment on XXXX. My XXXX  XXXX  account showed the payment posted. And more than that, I do not have even XXXX piece of communication from XXXX that there was any issues with my first payment. 


This is highly damaging to me and I think it is completely wrong, illegal, and unfair. How would I know there is a payment issue without any communication and when my account reflects a posted payment. Also they sent me a email on XXXX when I made the payment stating " Thank you we received your payment " and no no other communication after. 

I have credit cards for the past 8 years with big banks and I do not have a single late payment on my credit report other than this small XXXX credit card which I am new too. It is very said that they can not consider a customer for what it is and give me a chance to actually build a relationship and rather making me never want to use this ever again. 8 years with XXXX, XXXX XXXX, XXXX and more and not a single late payment. 

What's more sad is that I was actually responsible to make the payment before its 30 days late and they sent me confirmation it was received. The account transactions showed a successful payment posted and Noone sent me any any communication. It is wrong
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a recurrent issue with getting a resolution regarding the inquiries on my credit report with the  Transunioncredit bure au. I have sent a notarized letter and have spoke with representatives on several occasions. There are hard inquiries on my credit report that I did not authorize and not aware of the company at all. The credit bureau has failed to properly investigate this issue and has sent me a generic letter stating that the inquiries are accurate but they have failed to send me proof of the accuracy. The inquiries that have been disputed and not resolved are the following :  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX   XXXX   XXXX  and  XXXX . I appreciate CFPB looking into this matter further.     Best Regards,  XXXX   XXXX
Product: Debt collection

The account is not my account and I have never had any business with Enhanced Recovery/XXXX. 
I sent a letter regarding a debt collection attempt for Enhanced Recovery/XXXX indicating that I owe a debt that is not mine. I sent a letter dated advising that the debt was not mine and that I am a victim of identity theft I have made attempts to get this situation resolved due to the fact that I have no knowledge of the debt owed. I have requested verification and validation of the debt owed including a signature and state issued ID validating that I authorized this account. I have attached a copy of my ID Theft report and letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$620.00}, DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$4500.00}, DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$6700.00}, DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$6900.00}, DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$12000.00}, DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX XXXX {$6500.00}, DEPT OF EDUCATION/XXXX XXXX Date opened XX/XX/XXXX XXXX {$11000.00}, DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$3200.00} XXXX and XXXX XXXX XXXX Date opened XX/XX/XXXX Date opened XX/XX/XXXX Balance {$000.00}.
Product: Money transfer, virtual currency, or money service

Apple Card has my funds on hold. they have held {$500.00} from my available credit and not released it. I FILED A FRAUD CLAIM DUE TO A FRAUD CHARGE.. Apple CarD INSTEAD TOOK {$500.00} FROM ME AND IS NOW KEEPING IT ON HOLD. I FILED A POLICE REPORT ABOUT THIS ATTACHED IS THE POLICE REPORT. I NEED THEM TO RELEASE THE FUNDS FROM MY AVAILABLE CREDIT IT IS THE END OF THE MONTH I JUST PAID MY MORTGAGE AND ALL OF MY BILLS I NEED THE AVAILABLE CREDIT FOR EXPENSES THEY ARE HOLDING MY FUNDS FOR NO REASON
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year>, the FTC filed a complaint against XXXX XXXX which stated XXXX XXXX claimed it's users were " pre-approved '' for credit card offers, only for those consumers to later be denied credit, resulting in wasted time for the consumer .Last year, XXXX XXXXXXXX agreed to pay {$3.00} million to settle charges that it deceived people by claiming falsely that they had been pre-approved or had 90 % odds of approval for credit cards or loans offered by banks and lenders that used XXXX XXXXXXXX to promote their financial products. 

What is the protection for consumers against other sites that do the same thing?? 


And Oportun does the same thing. XXXX, for a loan and XXXX for their credit card. " Your hard work has paid off. You are eligible to apply for a loan '' only to get an adverse action letter.
Product: Mortgage

My wife and I put our home for sale and quickly got into a contract using the VA assumption program. We got into a contract with another XXXX XXXX XXXX XXXX and this was in XXXX. We were working with XXXX XXXX Mortgage ( XXXX ) and the process was very slow. We were told it could take anywhere from 4-6 months to complete. 

In XXXX only a couple week before closing we found out that the servicer was being changed to Mr. Cooper and that everything would be transferred as is starting XX/XX/XXXX. XX/XX/XXXX we ended up closing and our title company sent all the documents to XXXX like stated on the closing package. They were supposed to record it and process it and instead they just sent it to Mr. Cooper, just for Mr. Cooper to tell us that they needed to send it back to the original servicer ( XXXX ). At this point it was already mid-late XXXX and nothing has been done until we started bothering them and asking questions and it finally got recorded and processed around XXXX. This is now about 8 months after starting the process and XXXX XXXX months after closing. We were told that the documents had been complete and were being sent back to Mr. Cooper for them to process everything and then send it to the XXXX Ive contacted the VA numerous times now and they have not received anything from Mr. Cooper XXXX We are now almost in XXXX and nothing has been done. Mr. Cooper now will not speak to us since we are not the owners of the home anymore and the loan is not under our names. It is now listed under the new owners names with XXXX XXXX and the mortgage company. The VA is still showing us as the owners and are still using my entitlements because XXXX has not sent the Closing/Assumption documents that include the release of liability form that is needed in order to release me of liability and use the new owners entitlements. We are now almost in XXXX and we moved in XXXX to Oklahoma and were supposed to be buying a house and ended up having to back out because our entitlements are completely tied up with this house. No one can direct us, no one can help.
Product: Credit reporting or other personal consumer reports

These accounts are listed as charge-offs. IRS requires XXXX XXXX XXXX XXXX to send me a 1099C because these charge-offs are considered earned income, and I will have to file a 1099C on my tax return. Therefore, the accounts status has been changed to earned income. My consumer report should not contain information regarding my income. Also, late payments are considered as transaction, according to the consumer law, transactions are not supposed to be reported on my consumer report. Since these accounts have been reported as charged-offs, XXXX XXXX XXXX XXXX never sent me a 1099C and it has been years. These accounts have been reported incorrectly and inaccurately. It violates the consumer law below. 
15 U.S. Code 1681e - Compliance procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Checking or savings account

XX/XX/2023, I was able to access my banking accounts which consist of a checking, savings and credit card with USBank. This morning on XX/XX/XXXX, I woke up and remembered I needed to pay a bill. I got on their app on my smartphone and the sign-in page said " Stumped, please check back later. '' I got on the laptop and signed into my account, it said my credentials failed, so I reset my password. I typed in my customer ID and the last XXXX digits of my SSN. Their site said they're stumped again because they can not find my profile or account! I never got a warning about my accounts disappearing from USBank in email, phone call or postal mail. Nothing. No warning. The last email XX/XX/2023 from USBank was about changes to their digital services agreement. No explanation where my profile or account went.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint to inform you that the accounts listed below are reporting erroneously & are inaccurate. The furnishers are reporting these accounts inaccurately. They informed me they had an internal issue & posted me past due. Please investigate these accounts & please update the accounts to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am so upset that Equifax added inaccurate information to my consumer report such as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is inaccurate information and must be deleted as soon as possible within ( 5 ) days.

Title 15-COMMERCE AND TRADE see attachments.
Product: Mortgage

When our mother died suddenly and unexpectedly last XXXX, I began communicating with her reverse mortgage servicing company, PHH, about our desire to keep the property. I had already been told, by persons knowledgeable about reverse mortgages as well as PHH customer service reps, that extensions were available to heirs to be able to market the property OR obtain funds needed for the payoff. They mentioned 90 day marketing extensions as well as two six-month extensions that were pretty much the norm for anyone. BUT, it took almost six months just to be able to actually make the request. In XXXX, I was finally granted a six month extension and was informed that if I wanted a second one, I simply needed to request it via email a week before the first one expired. I followed her directions to the letter. 

When I requested the second extension ( in XXXX ) I was told no more extensions were possible because the extension we had was a covid extension and that those were lifted in XXXX. I do not recall being told by anyone I ever spoke to that covid extensions were the only ones I could get and had no warning that they were going to be lifted. If I understood correctly, the 90 day marketing extension had already run concurrently. I was then told that the next thing to happen would be notification of foreclosure sale. No way of knowing when. 

From XXXX through XXXX of last year, I was consistently given confusing, conflicting information or was told something new that I should have been told before. And nobody seemed to be able to explain why. And of course I never talked to the same person twice, which I understand, but six months of piecemeal information and constant confusion should NOT be the norm. It did not help that the reverse mortgage servicing companies themselves changed several times. The last CSR I spoke to apologized for the misinformation I had received.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following account have violated my rights XXXX 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 an account without my written instructions
Product: Credit card

Wells Fargo opened a credit card account that I said I did not want when I opened my checking account. Even after I closed my checking account, they kept my credit card account open without notifying me.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I contacted Experian regarding their listing of incorrect Dates of Last Payment for XXXX accounts listed on my credit report ( XXXX XXXX XXXX # XXXX and # XXXX ). I have checked with the original creditor and both XXXX and XXXX to determine the correct date which differs from the Experian date. The extension of this drop off date is a violation of the FCRA and is used by companies to artificially extend the life of credit accounts that are beyond the Statue of Limitation and collectability. Experian is currently reporting inaccurate and incorrect information regarding these accounts which are severely damaging my credit and preventing me from obtaining an auto loan and a credit card.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 XXXXXX/XX/XXXX
Product: Mortgage

I have a FICO score of XXXX. My only debt is $ XXXX on a property that just appraised for $ XXXX. I have a XXXX figure guaranteed income. I am looking to refinance my existing property to purchase a XXXX home. I contacted Summit Funding who advertises to be associated with XXXX, who pays my retirement. The loan agent has engaged in bait and switch ( offering closing costs at {$1800.00} on the phone, then providing a GFE that was almost XXXX that ). They stonewalled on the appraisal, promising a turnaround of XXXX days which ended up being XXXX. They have caused one delay after another. They offered a rate lock of XXXX days, knowing they would stall long beyond that ( we are now nearly XXXX days into the game ). Their rate lock agreement says that if the lock expires they will only raise but not lower rates ( again knowing that they would stall beyond the lock period ). I just contacted XXXX to file a complaint, only to be told that they terminated their home loan program in XXXX 2010, and that their program was thru another firm anyway. So now Summit Funding, by claiming association with XXXX, has committed outright fraud.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelles handling of disputes particularly in light of the recent CFPB lawsuit, highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies my financial institution failed to investigate. My claims adequately. They informed me that recovering loss funds was impossible and tracking these transactions was unfeasible. The CFPBs find these indicate that Zelle has not only neglected to protect consumers but also has allow repeat offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raise a serious concerns about customer safety.