23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XX/XX/XXXX
Product: Debt collection

On XX/XX/2021, I received an email from the collector that I owed {$1800.00} for an unpaid lease break fee. On XX/XX/2021, I called them to settle the debt. I explained that I was not the only one on the lease, and asked if I could pay half of the amount. They told me that I could make a one-time payment of {$1000.00}, and the debt would be written off. I agreed and paid over the phone. I asked for a receipt by email after, which I never received. When I checked my bank account, I saw that they had charged me the full {$1800.00}. I called them on XX/XX/2021, and asked for an explanation. They denied ever having told me they would accept the {$1000.00}, so I asked them to go back over their last recorded call when I paid the debt, so they could see that we agreed on {$1000.00}. They told me they would call me back as soon as they could, and I never received a call from them.
Product: Mortgage

A copy of credit reports were received in XXXX 2015. I noticed an inquiry made by XXXX Mortgage. After several attempts with disputing, we were told that the actual creditor was Veteran United Home Loans. I then contacted the company to dispute the inquiry. The initial representative stated permission, to pull my credit, was given by my husband. I then replied no XXXX other than myself can give a creditor permission to access my credit file. I asked for a supervisor, but I was transferred to XXXX and explained my issue. He stated that he could not help me. 
A few days later I received correspondence in the mail dated XXXX XXXX, 2015 accompanied by a letter of denial for credit dated XXXX XXXX, 2015. I called again and requested to speak to a supervisor. The representative took a message and I was later contacted by XXXX XXXX ( XXXX ext XXXX ) Director of Customer Relations on XXXX XXXX, 2015. I explained my issue again and described the documents mailed to me. He also stated that there was nothing he could do. I was told by XXXX XXXX that by law they could pull my credit report, if permission is granted by my spouse. I disagreed, told them their actions were unethical, and again stated I gave no XXXX permission to access my credit file. I informed him of the statement on my husband 's credit report which specifically says to call before extending credit. XXXX XXXX stated there was no such statement on the report. I asked if the calls were recorded? I was told by XXXX XXXX no, because they talk to people in all XXXX states and to repeat a statement letting people know they are being recorded would take too much time. Also, said that recording, in some states, is against the law. XXXX XXXX offered to send a copy of the credit report. When I received the documents I reviewed them and on page XXXX of XXXX towards the bottom of the page is my husband 's statement to contact him. Certain steps are put in place as a measure to prevent fraud and identity theft. This company and representative chose to overlook the statement. 

I repeatedly requested for the entry to be removed without any resolution.
Product: Credit reporting or other personal consumer reports

I have reach out to Leafy Finacial capital several times to found out who is the original debt collector and why after 8 years do they keep falsify the age of this debt. in the amount of XXXX spoke to them in 2017 on removal of this debt.
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) RE : ACCOUNT NUMBER XXXX To whom it may concern : I originated a loan for {$3000.00} with XXXX in XX/XX/XXXX. Since I have paid {$350.00} on every third of the month by direct debit. My question to you is, should I owe more money on this loan now than the amount borrowed? My monthly billing statement dated XX/XX/XXXX is attached. 


Thank you for your assistance. 




Sincerely, CONSUMER
Product: Checking or savings account

Chase Bank paid two checks that were apparently " washed '' and cashed at a branch other than mine. Chase reimbursed me for one of the checks, which was in the amount of {$2400.00}. The other check, which was paid to the order of the same person, in the amount of {$4400.00}, has not been refunded by my bank. The date and check number follow : Ck # XXXX {$4400.00} Paid to XXXX XXXX on XX/XX/24 I contacted and filed a claim with the claims department on XX/XX/24. When no action had been taken by XX/XX/24 I went into my branch and filled out the Unauthorized Signature or Forged Item Declaration. I was told that they would investigate and I should have the money refunded within a week. That was three weeks ago. I continue following up and they keep prolonging the date to refund saying they need more time to investigate. This whole fiasco started seven weeks ago.
Product: Mortgage

Gentleman, I am following up with you concerning XXXX XXXX. 

Wells Fargo and XXXX XXXX Mortgage continue to deny that they are the appropriate company at issue. 

Along with my synopsis of this case, I am resubmitting corroboration documents substantiating that Wells Fargo, XXXX XXXX Mortgage are Explicitly, Unquestionably, and Undeniably the appropriate company at issue. 

1. I have attached the most recent document submitted to the Trial Court " XX/XX/XXXX '' from Wells Fargo 's Counsel XXXX XXXX XXXX. 

Wells Fargo continues to DENY that it is the appropriate company at issue, but the " Motion To Substitute Party Plaintiff '' filed by Wells Fargo 's Counsel XXXX XXXX XXXX confirms that Wells Fargo is indeed the appropriate company at issue. This is irrefutable. 

THIS IS AN ONGOING LITIGATED MATTER INITIATED BY WELLS FARGO. 

Wells Fargo has deliberately filed this " Motion to Substitute Party Plaintiff '' in the hopes of evading its Unlawful, Predatory Mortgage Servicing Practices and Wrongful Foreclosure action against me. 

As evidenced in the attached 5th Circuit Court of Appeal Ruling, Wells Fargo Failed to Establish it is the proper party to enforce the Promissory Note at issue. 

WELLS FARGO HAS FAILED TO SUBSTANTIATE OWNERSHIP IN THE NOTE AND MORTGAGE AT ISSUE. 

Wells Fargo had no authority or legal right to assign The Note and Mortgage at issue in which it has not proven ownership in. THIS IS FRAUD AND AN ILLEGALITY. 

I am also attaching the Transfer Of Note Secured By Mortgage from XXXX To XXXX Mortgage in the amount of {$110000.00} dated XX/XX/XXXX. 

I am also attaching the Corrective Assignment of Mortgage Note from XXXX to Wells Fargo Dated XX/XX/XXXX which has been fraudulently altered to {$210000.00}. 

Both Assignments are False, Forged, Fraudulent and Fabricated Assignments. 

XXXXXXXX XXXX FABICATED AND FORGEDTHE CORRECTIVE ASSIGNMENT. 

The Originator, XXXX Mortgage was not in existence at the time the said documents were executed. XXXX Mortgage was defunct in XXXX. 

This substantiates the fact that the assignments are False, Forged, Fraudulent and Fabricated. This is Irrefutable. THIS IS FRAUD AND AN ILLEGALITY. 

WELLS FARGO, XXXX XXXX AND XXXX SHOULD BE HELD ACCOUNTABLE FOR THEIR EGREGIOUS ACTIONS. THIS IS UNLAWFUL. 

XXXX Mortgage continues to Deny that it is not the proper party at issue as well. I am attaching two Affidavits of Amounts Owed from XXXX and one Affidavit of Amounts Owed from XXXX Mortgage that were submitted to Wells Fargo to pursue foreclosure against XXXX XXXX. As evidenced in the 5th Circuit of Appeals Ruling, the Affidavits were INVALIDATED. 

XXXX XXXX AND XXXX MORTGAGE ARE EXPLICITLY, UNQUESTIONABLY, AND UNDENIABLY THE APPROPRIATE COMPANY AT ISSUE HERE AS WELL. 

XXXX XXXX  and XXXX XXXX  have placed Forced Placed Insurance on my property in which they have no legal right to do so. 

THIS IS FRAUD AND AN ILLEGALITY. 

I appreciate your assistance in resolving this matter. 

Kindest Regards, XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX  are reporting incorrectly that I am ( 30-60 ) days late on the XXXX XXXX  partial account number XXXX. Equifax is also reporting this account as a duplicate partial account number XXXX. This is a violation of the Fair Credit Reporting Act to report the same account twice on a separate trade line. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax numerous times regarding a Bankruptcy showing up on my credit report. The dates contact are as following XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and most recently XX/XX/XXXX. I have been ignored each and every time. 

I being a spouse of an XXXX XXXX military is very hard dealing with the stress caused by Equifax. I have done everything in my power I have filed police reports notifiec social security office about being a victim of identity theft. 

I am attaching all required documentation to block this Reporting from my credit report on this complaint. This is the last request and if it is not taken care of I will be forced to take legal action for stress, time, and pain and suffering and XXXX in additional compensation against equifax. 


UNDER FEDERAL LAW A BLOCK ON THIS REPORTING MUST HAPPEN NO LATER THEN 4 DAYS AFTER RECEIPT OF THIS COMPLAINT. 

Here is the legal language " ( a ) Block. 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, not later than 4 business days after the date of receipt by such agency ''
Product: Debt collection

I dispute this amount with XXXX XXXX. I dont know what that is They called me and threaten me. And hung up on me
Product: Mortgage

I am in the process of refinancing my current home loan that I have with AmeriHome mortgage but I am refinancing with another company because AmeriHome mortgage turned me down for a refinance. I have called AmeriHome Mortgage requesting documents needed so I can send them to the mortgage company I am trying to refinance with but after many calls and them telling me that my request has been submitted and it will take 24 to 48 hours. It has been over a month since I requested the documents and I still havent received them. I gave them a fax number to send them I asked them to send it to my portal and also mail them to me but seems like they are refusing it send it. The documents I am requesting are the partial claim agreement papers they had me to sign when I went into forbearance during the pandemic. I told them this is needed in order to refinance my loan. They had their chance to refinance me but turned me down due to credit so I went to another company who said they would refinance my loan. I think its really unfair that they are doing this cause they have already increased my mortgage payment from {$1200.00} a month to {$1300.00} a month saying something about a shortage. I cant keep paying this so Im trying to take advantage of the low interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2022, i filed a dispute Equifax about the Unverified account XXXX XXXX account # XXXX. I have not received a response in over 30 days which is a violation of the FCRA. So now I'm contacting the cfpb to step in and help me get this issue resolved.. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act XXXX XXXX XXXX XXXX. has violated my rights. Under 15 USC 1681 Section 602 states I have rights to privacy.

15 USC 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open consumer credit file as late for any purpose. 

XXXX XXXX. rXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have certified mailed letters to these XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX 
Attorney General in California.
Product: Credit card

I contacted Marcus by Goldman Sachs in XXXX to dispute fraudulent charges and close the account card. Balance was paid, I was not told there would be any additional fees. Received email for an XXXX statement reflecting balance {$74.00} due XX/XX/year>. I went online to see what this could be since XX/XX/XXXX I closed and paid this acct off. This is a late fee with interest on the late fee. I contacted the XXXX XXXX XXXX  at XXXX. They tell me there will still be " residual '' interest even if I pay in full the {$74.00}. How can you ever get the card paid off if they keep adding interest to a {$0.00} balance card? This is wrong and they need to be closed down!!
Product: Mortgage

Backstory/What happened : -We purchased our home in Wisconsin in XXXX , using the VA Loan Program . My wife is XXXX and I am a XXXX XXXX Veteran, serving over 13 years. In Wisconsin, we are legally able to select how our taxes are paid. 
-Our taxes for the last few years have been set up to be paid in installments, in XXXX and XXXX. 
XXXX XXXX, XXXX, Mr CooperXXXX XXXX paid our entire XXXX Tax Bill incorrectly in the amount of {$3200.00}, instead of the actual installment amount of {$1600.00} -Our XX/XX/XXXX Escrow Review Statement/Escrow Account Projections for XX/XX/XXXX to XX/XX/XXXX show a tax installment scheduled to be paid in XX/XX/XXXX and XX/XX/XXXX. 
-Disbursements were made for a XXXX XXXX for {$1500.00}, XX/XX/XXXX for {$1600.00}, and on XX/XX/XXXX an incorrect amount of {$3200.00}. XX/XX/XXXX should have been in the amount of {$1600.00} -The error by Mr CooperXXXX XXXX caused our Escrow account to go into the negative. 
-The error by Mr CooperXXXX XXXX made our Escrow Analysis incorrect because it was not calculated on correct numbers. 
-After the Escrow Analysis on XX/XX/XXXX it showed a shortage of {$2000.00}. The error by Mr CooperXXXX XXXX is penalizing us and causing our mortgage payment to increase by {$200.00} per month. 
-The error by Mr CooperXXXX XXXX will cause us undue hardship . 
-Mr CooperXXXX XXXX changed how our taxes are paid without obtaining our permission or notifying us before doing so. 
-Mr Cooper representatives have acknowledged that XXXX XXXX switched how our taxes are paid to Annual from Installments on XX/XX/XXXX, without permission or notification. They then changed it back to Semi Annual on XX/XX/XXXX, but then still paid it as annual on XX/XX/XXXX, resulting in the error. 

How we have tried to resolve this : -We began calling Mr Cooper on XX/XX/XXXX at XXXX when we found they paid the incorrect amount. Below is a list of date and times we have called Mr Cooper. We have spoken with 14 different Mr Cooper representatives, escalation specialists, and managers to date : XX/XX/XXXX XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX XXXX online chat ; XX/XX/XXXX XXXX ; XX/XX/XXXX XXXX ( incoming from XXXX ) ; XX/XX/XXXX XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX email exchange with Manager. 
-They have only offered call backs from escalation specialists and managers with no response, causing us to reach out again and again. 
-Mr Cooper representatives have on several occasions told us to ask our county tax office for a refund instead of fixing their error.
Product: Debt collection

I have been in dispute with Santander over an alleged fraudulent " debt ' and unvalidated contract for over a year. The account was charged off and yet the balance has been reporting on my credit report without my written consent. On XX/XX/22, I sent a money order remittance coupon via certified mail in the amount of {$14000.00} to be accepted for value, quoting 12 USC 411, 18 USC 8, HJR 192, UCC 3-104 and UCC 3-603 as the basis for payment choice. Along with the payment, I sent a notarized letter explaining my method of payment and instructions on how to apply it. I received no response or update to my account. On XX/XX/22, I sent a live notarized HANDWRITTEN letter, via certified mail, further disputing the current amount " owed '', along with a live notarized affidavit Notice Of Billing Error pursuant to 12 CFR 1026.13 and exhibits displaying the current payoff quote had not reflected my payment. I received no response. On XX/XX/22, I sent the CEO, XXXX XXXX Department, and Legal Department at Santander Consumer USA XXXX XXXX, ( the parent company to all of the Santander subsidiaries ) the official live Certificate of Non-Response Notice To Cure, as authenticated by the Secretary of State of Texas. I also sent copies of my previous mailings and letter requesting my account be updated immediately to avoid further legal proceedings. Every document sent throughout the process has been live, stamped and autographed. As the consumer, lien holder, authorized representative and beneficiary of the social security account used to open this fraudulent debt, I'm outraged at the blatant dishonor that Santander Consumer USA Holdings Inc and all of its daughter companies have displayed.
Product: Vehicle loan or lease

I have requested a signed legal document between myself and the said lender collection agency, Collins Asset Group, this is my second attempt requesting a contract to validate my signature and agreement with the collection agency, as they continue to send ask me for my personal information to follow through with their investigation, they also forwarded me documents from the said lender, but not their agency. At this time I am requesting to file a cease and dismiss of collection from the said agency as they have failed to provide supporting documents by and between their agency and myself.

1st contact dated : XX/XX/XXXX 2nd contact dated : XX/XX/XXXX collection amount {$8100.00}, opened XX/XX/XXXX without my agreement nor signature. Collins Asset Group XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX
Product: Debt collection

SWC Group call from different number 4 times a day.
Product: Mortgage

I feel I being charged a fradulent Mortgage Interest Rate ( Adjustable-Rate Mortgage ) for the past Three years. My ( ARM ) is the type that supposed to adjust with the current market rate and I feel I have bern over charged for the last Three years. 

What caught my attention about my ( ARM ) being inflated, is when I contacted my Mortgage Service Company ( Seterus Inc ) on Friday, XX/XX/XXXX in the evening. I was speaking to a employee at that company in regards to my extra amount if payment I was paying each month to catch-up on a One month payment of {$400.00} and at that time my regular monthly payment was {$2400.00}. But what got my attention was I asked the Customer Service Representative what was the current ARM rate and he put me on hold for a few minutes to do some research and calculation, he came back with stating the current rate was 3.09 % and mines was at 4 %, so I asked him why was mines so much higher, my ARM is supposed to reflex the market rate. I am struggling to catch up on the One month I am behind and afraid I could lose my home if this Mortgage Company keeps increasing my ARM with these fradulent Rates. 

XX/XX/XXXX ARM Rate - 4 % - {$2400.00} XX/XX/XXXX ARM Rate - 4.25 % - {$2400.00} would have been {$2500.00} if I didn't pay {$780.00} Escrow Shortage XX/XX/XXXX ARM Rate when down to {$2400.00} because I paid the escrow Shortage. XX/XX/XXXX ARM Rate - 5.37 % XX/XX/XXXX - New Payment {$2600.00} My balance of my loan is {$260000.00} I am struggling to pay the One Month I am behind if the mortgage company keeps increasing my Mortgagepayment and I can not refinance my mortgage to a regular fix rate if I can not catch-up. 

I have all the paperwork about the ARM adjustments. They are saying that my interest rate calculation is done by a index rate and adding a certain number of percentage points called margin and taking into consideration any applicable rounding and intereste rate caps of 3.10388 % and a margin if 2.25000 %. 

I need some help with this situation, I believe I am being taking advantage if and being over charged for the last Three years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection on my Trans Union file from XXXX XXXX for XXXX XXXX XXXX XXXX. This should not be there. I moved from my apartment in XXXX of XXXX. I did not receive a final statement from XXXX. When I contacted them in XXXX, they gave me the amount due from the vacating of the apartment. I paid this per attached. 

XXXX agreed to remove this collection from my file because of the error in mailing the statement. 

I disputed this with Trans Union and it remains. XXXX XXXX XXXX XXXX. Account number prefix XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , REPORT IN MY CREDIT FILE AN ACCOUNT NUMBER   XXXX   NOT BELONG OR AUTHORIZED OR SIGNED BY ME, I CALL T HE COMPANY, AND TELL THAT ACCOUNT WAS PAID IN FULL, WITH NO BALANCE, BUT MY CREDIT REPORT SHOWS  XXXX  IN CURRENT BALANCE, AFFECTING MY CREDIT & EMPIRICAL SCORE.
Product: Student loan

In accordance with the XXXX  Loan Forgiveness program I submitted a request to Navient. They've denied my request under the auspices of reason 3 : " As of XX/XX/1998, you had an outstanding balance on a Federal Family Education Loan Program loan or Federal Direct Program loan. This loan ( s ) is either still outstanding or had an outstandign balance prior to new loans being disbursed. This loan ( s ) may also be included in a consolidation loan making your loan ( s ) ineligible for the XXXX  Loan Forgiveness Program. '' I am objecting to and challenging this determination in that Navient has been charged with systematically misdirected borrowers into student loan repayment programs and types of forbearance, which do not qualify for Public Service Loan Forgiveness, which enables public servants to have their federal student loans forgiven after meeting certain requirements, and that Navient ignored borrowers best interests in violation of its government contract to prevent borrowers from moving to XXXX ( the student loan servicer that administers the Public Service Loan Forgiveness program ), so that Navient could continue to earn fees. 

As a result, XXXX, nurses, first responders, social workers and other public servants are paying millions of dollars more than they otherwise should in student loan payments.