23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Wells Fargo Bank has continued to purchased lender based insurance on a home equity line of credit where I am the borrower but do not own or have ever owned the property that secures the loan. Wells Fargo has repeatedly rejected declaration pages that have been sent to them ( where they are listed as loss payee ) because I am not the named insured/policy owner. The policyowner and owner of the property securing the loan did sign a mortgage document but is not a borrower. The policy owner contacted the insurance company ( XXXXXXXX XXXX XXXXXXXX ) to see if I could be added to the policy as co-insured/co-policyholder. XXXX XXXX XXXX would not add me as co-policyowner/co-insured because I do not have ownership/title to the property. I contacted The New Jersey Department of Insurance and they confirmed that XXXXXXXX XXXX decision was correct because adding me on the policy when I do not have ownership of the property would contradict the " insurable interest '' doctrine that insurance companies need to adhere to. In essence you can't insure it if you don't own it. I am questioning how Wells Fargo can with out my permission purchase a policy in my name as insured/policyowner when I do not nor have ever owned the property. I also question how Wells Fargo knowingly approved a home equity line of credit using a property that I never owned as collateral. Is it possible they never did a title search?. The bank has charged the line of credit {$10000.00} for insurance premiums even though a valid policy exists. This fee is more than XXXX XXXX times higher on what the XXXX pays currently. In essence there have been XXXX policies on the property for the previous 5 years. The New Jersey Department of Insurance suggested I try to resolve the problem directly with Wells Fargo which I was not able to do and this results in me filing a complaint through CFPB. In lieu of that it was suggested to open up a case directly with XXXX. According to the XXXX at XXXX, Wells Fargo has been cited for similar violations.
Product: Vehicle loan or lease

I went to make my final payment of {$490.00} on my car loan and the loan company states that my final payment is over {$2000.00}. They are telling me that I requested a payment due date change from the XXXX of every month to the XXXX of every month when this loan was first started back in XXXX. They are telling me that they informed me that I agreed to a " balloon '' payment at the end of the loan in order to have this happen. 
I have tried for several weeks to get some confirmation and resolution to this issue. The " supervisor '' states that she listened to a recorded call from XXXX and it is confirmed. I have asked to hear this call for myself or receive a transcript of the call. If I actually agreed to this as they say I would pay the extra {$1600.00} but as I do not ever recall agreeing to this so called balloon payment as I would not have changed the due day each month if I had known this. I ma told that it is their policy not to allow me to hear the recording or receive a transcript and I must take their " word ''. 
I have made my final payment of {$490.00} as scheduled but now face a past due of {$1600.00} per their " balloon '' payment. I am facing late charges and repossession if I do not pay what they want.
Product: Mortgage

I have US Bank service my VA loan. I've had the loan serviced since about XX/XX/XXXX. The past two escrow accounts ( for years XXXX & XXXX ) have been calculated WRONG. The first time ( yr XXXX ), there was a surplus balance of {$4500.00} and the second time ( yr XXXX, there is a balance of {$4900.00}. This year XXXX, US bank stated that there is a {$9200.00} escrow account shortage which raised my payment SIGNIFICANTLY. I believe, this year, the calculations would not be as projected by US Bank similarly as previous years were also appears to be calculated WRONG. 

US Bank sent an " Annual Escrow Account Disclosure Statement '' that is very cryptic and hard to interpret. There are MANY numbers and tables for me to fully and correctly understand. I called several times without any success for me to fully understand. 
For instance : I'm willing to pay year XXXX balance that I owe for {$4900.00} ( refer to item A in the submitted document ) before XX/XX/XXXX ; US Bank will collect {$8600.00} on XX/XX/XXXX ( refer to item B in the submitted document ) ; US Bank will pay {$540.00} for Hazardous Insurance ( refer to item C in submitted doc ) & {$8100.00} for Property Taxes ( refer to item D in submitted doc ). 

If I do calculations ( as best understood ) on the " Annual Escrow Account Disclosure Statement '', US Bank will pay {$8600.00} for property taxes and insurance ( which would cover all my dues for yr XXXX ). 
If I pay my previous balance of {$4900.00}, the escrow account of {$9200.00} would results to be {$4300.00} which appears to be reflected on such statement ( refer to item F in submitted doc ). 
If I add items A & F, the escrow " shortage '' appears to be reflected of {$9200.00}. 

SO ( first scenario ) : If I add the collected taxes ( D ) and insurance ( C ) for {$8600.00} If I pay the required balance ( F ) of {$4300.00} The total would be ( after item A payment ) {$12000.00} WHEREAS ( second scenario ) : US Bank states that the Shortage ( after item A payment ) is {$4300.00} ( item F ) US bank will collect ( item E ) {$8600.00} Totaling {$12000.00} US bank appears to calculate dues for yr XXXX for {$12000.00}. 
WHERE it appears that my yr XXXX dues are {$8600.00}. 
THERE is a difference of {$4300.00}. 

THIS difference balance is affecting my new payment for year XXXX. 
I'm not an expert or well informed on mortgages, but I find it conflicting that US bank set the terms and does not allow the customer to make other possible arrangements ( based on RESPA Regulations ) to pay the dues - in a worst case scenario and assuming I don't pay my taxes, US bank would repo the property and not necessary the county. 

To conclude, based on the history on WRONG escrow accounts for yrs XXXX, I believe yr XXXX is also WRONG.
Product: Debt collection

Please verify your claim under pains and penalties that this is a true debt and not a collection scheme per the F.D.C.P.A at 15 U.S.C. 1692 e.g. Please send me a certified copy of your license to collect in the DISTRICT OF COLUMBIA. If you purchased this as a debt collections device to make money as a debt collector, thank for paying off the bill. You have XXXX to respond with a statement of account with a XXXX balance and remove any and all unlawful on my credit report. Failure to respond in XXXX business days is acceptance and your failure to cure your dishonor will receive my NOTICE AND DEMAND for XXXX in damages for violations to include : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FDCPA violation. 

In accordance with the XXXX laws, all Commercial Transactions must be recorded with the XXXX Of XXXX. 
Also According to the UCC 11 search, I the Consumer do not have any Liens/Debt in my name.
Product: Credit card or prepaid card

Payment is made on time each and every month and twice in two consecutive months and bank continues to charge me late fees each and every month. They will not reverse charges even though it has been paid and in good standing since opening the account.I believe they are purposely doing this to charge me an interest rate. The terms of the healthiplan was no interest.
Product: Debt collection

XXXX XXXX {$110.00} XXXX XXXX {$300.00} COMNWLTH FIN {$1600.00} COMNWLTH FIN {$1100.00} COMNWLTH FIN {$550.00} COMNWLTH FIN {$550.00} Every one of these charges on my credit has been fraudulent. I have never received medical treatment from the types of doctors listed, nor anywhere near the dates issued.
Product: Debt collection

On XX/XX/XXXX at XXXX am p.s.t.. I received a call from a XXXX number. My phone ID it a scam call. They left a message that a failure to return the call will result noted as a forfeiture of my rights. It was also stated that this was a call to order legal representation and to notify a local county processer if I did not respond. The number they gave to call back is XXXX to speak to the next available agent. I called the number and the same person who left the message with no name answered the phone. She never confirmed any information of who I was other than the phone number they called and a name. She put me on hold, the call dropped. She called back from XXXX then when she came back on the line stated that they were call on an old Capitol One account that they go from another party not the original creditor. No MINI-MIRANDA WAS GIVEN. I guess since the debt was old. I asked her for the date of last payment, she could not confirm and said that the account went past due some time in XXXX. So I asked for a letter from her company and she refused to send one saying that letters have been sent. Told her no letter of been sent from any collections agency 's regarding this debt or any phone calls either in many years other than the original creditor. She then procced to threaten legal action and ended the call.
Product: Debt collection

I have XXXX accounts with Midland Funding. I have  requested debt verification more than one time and this company has not provided me that information. It has been more than 80 days and no information has been provided to me from this company. I 'm requesting that since this company has failed to provide me with information, that this account be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

TRANSUNION XXXX XXXX XXXX XXXX taken to remove by following FCRA... 
XXXX XXXX action taken to UPDATE by following FCRA...
Product: Mortgage

This is the XXXX complain I'm filing with CFPB. I have a HELOC account with US Bank for past 15 years. This HELOC was tied to a lawsuit. I have already paid the amount of the loan in interest! US Bank had been horrible. I am uploading a few pages of the statements. US Bank has charged me thousands of dollars in other charges ( please see the XXXX I made to show. I have been paying the interest on time, but they keep charging me late payments. After 15 years, I won the case and got paid for the exact amount of the HELOC. I paid $ XXXX on XXXX. XXXX. ( see XXXX XXXX US Bank statement. Because they have made many mistakes in calculating interest, I am not paying the last {$750.00}! I believe my balance is XXXX. US Bank can close my HELOC ( I do not like them ). I have talked to many case managers, because they have a high turn over on employees! The most important person was : XXXX XXXX XXXX : XXXX. She admitted many mistakes in calculations on my HELOC! 
I have even messaged XXXX XXXX, XXXX. of consumer through XXXX! 
Please help me and advocate for me. I am done with US Bank. They need to bring the balance to XXXX. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2016, there was faulty toilet flapper, that caused flooding in a bathroom and {$1300.00} damage. We had our lawyer to respond back to the apartment manager after they wanted us to pay for the damages with a letter letting them know we are not responsible and stated that they are responsible under Landlord. Act ( RLTA ) RCW 59.18.060 ( 8 ) that the Landlords duty to maintain plumbing, electrical etc. to keep it in good working order.
Product: Prepaid card

I have a reward/prepaid card from Toshiba that was issued to me after purchasing a laptop. The card expired XXXX and was not used. It had a full {$50.00} rebate on it. I called the number on the card, XXXX and was informed that they are unable to issue another card and no further assistance was available. I did reach out to XXXX Bank, the issuer but they could not help me either.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 an automatic payment was scheduled to be debited from my XXXX XXXX   account, by XXXX XXXX XXXX. My Bank shows that no such debit was ever attempted. 

On XX/XX/2019 XXXX reversed the payment and mailed me a letter which stated that the bank asserted " No Account Found ''. 
However, this account was used for previous payments without any issue. 

On XXXX XXXX I was notified that there was a problem with the payment by XXXX and at the suggestion of XXXX used an alternate account to make the payment. I was out of the country until the XXXX and was unaware of the problem. XXXX credited my payment on the XXXX of XXXX which was 31 days past my due date. 
I discovered that XXXX reported me to the credit bureau ( s ) as being 30 days late. I contacted XXXX and received the assurance that if I provided them with bank documentation showing that the account had adequate funds to pay the debit on the XXXX of XXXX, they would remove the 30 day status. 
XXXX investigated the matter at my request and wrote a letter which showed that the account was in place with adequate funds but that they never received a debit request. 

Despite meeting the requirement to demonstrate that the error was not mine, XXXX has steadfastly refused to correct the reporting. 

I have spoken to numerous managers and sent letters demanding that this matter be corrected. They continue to refuse. They do acknowledge that my account was in good standing at XXXX   with adequate funds but state that since it was not there fault they can continue to report my account as past 30.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following unauthorized inquiries from my Equifax credit report : XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, XXXX, holder in due course of any and all derivatives thereof for the Surname/given name XXXX XXXX XXXX XXXX and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will D/B/A XXXX XXXX XXXX and autograph as the agent, attorney in fact, so be it ; 1. It is a Fact that afant is the only natural person with rsthand competent knowledge of the facts of this transaction. 2. It is a Fact that afant is a consumer as dened in the Fair Debt Collection Practices Act specically, Title 15 USC 1692a ( 3 ) because afant is a natural person. I am writing in regards to the XXXX data breach & the subsequent compromise of my personal information. Pursuant to Title 15 USC 1681 ( a ) ( 4 ) your company failed to ensure that the information on my consumer report was accurate failed to exercise their responsibility with fairness & impartiality. Upon reviewing my report, I discovered fraudulent account opened using my personal information which is a result of the data breach any legal means, including power of attorney fraud. I demand immediate action to secure my information & prevent further identity theft in accordance with the FDCPA is protection of my privacy I demand that all fraudulent information be removed from my report within four business days, per FCRA section 605B & title 15 USC 1681 C2. I do not give consent for any information to be furnished without my authorization per title 15 USC 1681 604 ( A ) ( 2 ). I expect any violations on my consumer rights to be a dress with fairness and impartiality. With all these violations listed and fraud found I may start the administrative process. However, I will give your company the ability to settle out of court or you will be held liable for all damages. Conduct yourselves accordingly. XXXX XXXX XXXX
Product: Credit card

I signed up for an AMEX offer however when the transaction was posted, they said that I did not follow the link for which I know I did since I used the link on the amex offer mobile app when I made the purchase. 

The agent refused to get a supervisor and further escalate the issue
Product: Credit reporting

I am writing to dispute XXXX on credit report Membership ID number XXXX. The " balance '' and " past due '' listed on the account is incorrect. Please delete the account.
Product: Student loan

In XX/XX/2020 department of education/ Mel net reported I was 90 days late. The month prior I was on time. I was still in grace period during the time they reported I was late. I have never been late on this account due to me never having to make a payment. How can I be on time in XX/XX/2020 then you report that Im 90 days late in XX/XX/2020 this is incorrect
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern It has been brought to my attention that your company continues to ignore my requests for the removal of these late payments and inaccurate information still reporting on my credit report. 
The following late payments are reporting inaccurate and therefore need to be reinvestigated. 

Inaccurate late payments and incorrect and incomplete information XXXX. This Account is in violation of 15 U.S. code 1681A ( 4 ) for consumer right to privacy.This bankruptcy shouldn't be on my credit/consumer report. 
XXXX XXXX Case Number : XXXX Delete From My CREDIT REPORT XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT XXXX. XXXX XXXX XXXX ADMINISTRAIVE ENFORCEMENT CAPITAL XXXX Account Number : XXXX Delete this account. 

XXXX. XXXX XXXX XXXX FALSE OR MISLEADING XXXX CITI Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX XXXX FALSE OR MISLEADING XXXX XXXX XXXX Account Number XXXX XXXX : Please remove it from my credit report. 

XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS MACYS/CBNA Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX CARD Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS MACYS/CBNA Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS BRDSC/CBNA Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS THD/CBNA Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Checking or savings account

I had funds put on my account on the XX/XX/XXXX so I could order two items on XXXX. The orders caused two separate holds on my checking account. I than canceled those orders an hour later and all record of those funds disappeared. It is as if I never had the money, and I know XXXX doesn't have it. The bank than tried to convince me that they I never had the money, and that there is a hold for a third item coming out, and that must be my refund but I know for a fact the third hold item which was canceled is not the funds missing from the first two canceled items that are now missing from all record or trace. Furthermore my stimulus check also disappeared, and records are missing from the Irs about where my stimulus payment is. The a
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$2700.00} XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

I am contesting the account with SYNCB/WALMART. It is an account that was opened without my consent. It is showing a balance of {$660.00} with a {$490.00} credit limit. XXXX is stating on their report that it is even late and over the limit with a 136 % usage. I need XXXX and SYNCB/WALMART. to correct this account on my XXXX report. I should not oweSYNCB/WALMART. anything since the account was opened and used without my consent, and I have been a victim of idenity theft. Please correct this on my XXXX report it is showing negative remarks. I am trying to refinance my home a I can not until this is removed from XXXX Report and corrected. Please remove. It has been corrected on my XXXX and XXXX reports, too. Please report positive.
Product: Credit reporting

XXXX is listed on my credit reports as someone I owe money to. That is not true. I have never done business with this agency, and I do not owe them any money. They claim they are representing XXXX. I have not lived at XXXX XXXX for almost a year. When I was there, I always paid my rent on time. I fulfilled all the obligations of my lease, and I gave notice when I decided to move out. I do not owe them any money, and they never refunded my security deposit.