23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Wells Fargo Mortgage has stolen my XXXX XXXX Certificate of Eligibility as it pertains to me and home Mortgage Guarantee. I am XXXX XXXX XXXX, XXXX XXXX XXXX Retired. I had a home that I allowed for assumption ( XXXX XXXX XXXX XXXX in 2011, and When I tranfered ownership, I did not realize at the time of the transfer of ownership, that I would loose my earned XXXX Home Guarantee. The mortgage officer that had me sign the many documents from Wells Fargo Mortgage for the Assumption of the Loan for the mortgage at XXXX XXXX XXXX XXXX SC XXXX to XXXX and XXXX XXXX, failed to make sure that I understood that this was forever as long as they had the loan. I have recently tried to dispute Wells Fargo claim to my Benefit to which I have bled and served this nation for ... But the XXXX system forced me to arbitrate with Wells Fargo before they would list a complaint. And as expected after a month of delay, Wells Fargo ruled in favor of themselves. Now I am unable to use my full benefit to secure myself and family for a better home that can accommodate my XXXX needs. Wells Fargo has ripped me off.. And Wells Fargo does n't seem to think they are culpable in the deception and confusion their whole process endeared. I am of the belief now, that Many Veterans have been slipshod by the word " assumption '', as applied by The XXXX and Wells Fargo. This relationship between the XXXX XXXX Mortgage Office and Wells Fargo is a trap for Veterans and has been used to strip benefits from deserving Veterans. It is not as if I did not fight, bleed, and shed my tears for our country and I lost brothers in battle, so I know the pain. But having to realize that the Big Company. Wells Fargo and the XXXX Home Mortgage Guarantee people resort to tactics that can only be described of as " usury '' makes me think I am just a mark to these scoundrels that are untouchable ... ..How many Assumptions I wonder, are listed in the XXXX Mortgage guarantee system. How many Veterans have suffered needlessly because of the greed of Wells Fargo
Product: Mortgage

I received a call from my mortgage company stating I missed a payment for XX/XX/XXXX. I told them that I made the payment and had the ACH information to prove it. 

They took my information and told me that the payment was made, but that it was short of the amount owed. I told them I had automatic payments set up and that it was the same amount every month. 

They informed me my rate had increased. So, my payment was short {$60.00} I was transferred several times before speaking to a gentleman that told me I was in an ARM and this was the first time my rates were eligible to raise and they indeed had risen by 1 %. I told him I was never notified of the rate change and if I had I would have adjusted my automatic payment. 

He then stated that mistakes sometimes happen. But, indeed my rate had increased and that unfortunately the company did not send me any notification. But, I need to pay more. 

He then told me the rate will increase again next year and I should work with him to lock in a rate right now. I was under the impression the ARM was based in interest rates at the current time. But, it seems the company will increase my rates regardless. 

Also, I believe they had a legal responsibility to notify me that my rate increased. Saying mistakes happen is not a legit excuse. I should have had an opportunity to shop around once I was notified, but they prevented me from doing that by blindsiding me with an increase. 

Then I was told if I want to save my home I should work with the agent now or my rates will increase. As an XXXX XXXX military member i find this practice to be unethical and borderline illegal. I have the resources to pay my mortgage ( increase and all ) but this man telling me I need to save my home and I was in danger of losing it if I didn't refinance with him is a dangerous practice. Something should be done. 

Protect our veterans and XXXX XXXX by not allowing these deceptive business practices to be perpetrated.
Product: Student loan

Navient has failed to let me know when interest will be capitalized on my loans and why. It seems to be at random and sometimes multiple times in the same year. They do not call or inform me when this is about to happen. If a reapplication for a payment plan is missed, they had suggested temporarily stopping payments until the plan was renewed. They failed to inform me that once it resumed once again interest would capitalize. This has made my initial loans go from about 44,000 to now owing XXXX. I have been paying monthly for several years and now owe more than when I initially graduated. They qualified me for a lower repayment monthly amount without telling me NONE of this will go towards the principal. I am paying on interest only in the allocation and then the leftover interest is getting capitalized onto the loan. I'm paying interest on interest for several years. I am working in the field I went to school for and I can not afford to chip away at this ridiculous amount and loan rate while still having normal everyday bills. I am beyond frustrated and feel hopeless about my student loans. I have also been advised to enter certain payment plans without being told that my amounts would not go towards any of the principle of the loan. 
No correspondence is given or any kind of warning when interest is going to be capitalized. 
I also feel that when my loans were consolidated they were put at a higher fixed interest rate than they ought to be since some of those consolidated loans were originally much lower rates. I was only advised that consolidating would be my best option. But if it was, then why raise the interest rate.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payments on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never 30 or 60 days late in the months of XX/XX/XXXX or in the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
I am not sure how this happened. I have always made my payments on time to you when I received my statements. My only thought is that there was a billing error with my statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have taken equifax to court on a civil claim i have written them countless letters i was involved in the data breach where my information was taken i was also involved in the data breach with XXXX  XXXX i need a resolution the have my credit fixed
Product: Debt collection

I.C. SYSTEM, INC IS ATTEMPTING TO COLLECT AN ALLEGED DEBT FROM ME AND CAN NOT VALIDATE THE ALLEGED DEBT. THE ACCOUNT IS CURRENTLY A COLLECTION STATUS AND I.C. SYSTEM, INC IS STILL TRYING TO COLLECT. I even submitted a cease and desist. I attach the letter too and they could not provide the promissory note of this alleged debt. I.C. SYSTEM, INC is in violation of 12 CFR 1022.41 ( d ) integrity. I need this account DELETED now!
Product: Checking or savings account

repeated robo calls from from someone vlaiming to be citibank. callback # does not appear on citibank website
Product: Mortgage

My dispute is against Caliber Home Loans. Caliber used to service my mortgage loan, but it has since been traded to another company. I was reported late in 2014, once in XXXX and once in XXXX. I have spoken with them and they stated they would research and resolve the issue, but to no avail. I 've sent them supporting evidence, but to no avail. XXXX is the only agency reporting this derogatory information. It is my right to have my credit report match. Please note, I had n't missed XXXX payment prior to this loan being transferred to Caliber. I experienced many issues while they held my loan.
Product: Consumer Loan

A representative fraudulently took money out of my account without my authorization. I did not give permission to take my payment out nor was I set up on auto draft. I was not past due and when I pay I have to give my expiration date and XXXX XXXX along with my billing zip code. Also the amount taken out was manually entered because it was less than my normal bi weekly payment of {$190.00}. The amount taken was {$180.00} on XX/XX/2015. I was called several times that day and sent email from cnac. A customer that is current should not be harrassed like this. I call XX/XX/2015 and was placed on hold while a supervisor reviewed my account for XXXX minutes then hung up on. When I called back a was transferred to supervisor " XXXX '' whom used abusive collection tactics for a customer calling about fraudulent activities on an account. He would n't let me explain my concerns and was extremely unprofessional. He said I owed the payment which made me feel this is okay for CNAC to process my payments without my authorization and choose whatever dollar amount. Had he handled the call as a member of management would I would have not filed a complaint this. Furthermore " XXXX '' said he would refund my money but started to collect the money right back! Saying I am 3 days past due so I need to pay him. I do n't feel comfortable with my loan being with CNAC and representatives just take money out of my account just because they have access to it to obtain personal and company goals. I also advised the supervisor that I may have to file a CFPB complaint to amicably handle this matter and he said, " SO '' I can understand an error but this is someone fraudulently taking it upon themselves to run my payment. XXXX did n't seem to think this was a serious offense.
Product: Debt collection

COMPLAINT Now comes, XXXX in consumer capacity filing a complaint against debt collection agency Keybridge, an XXXX agency licensed to collect debts in the state of OHIO ; In XX/XX/XXXX, I checked my credit report and discovered Keybridge 's tradename on my credit file as a closed account and disputed the account with all three credit bureaus ; On XX/XX/XXXX I received my credit report update from initial dispute, and XXXX was deleted from XXXX file but updated by XXXX and XXXX as a verified account ; Keybridge placed their tradename on my file in XX/XX/XXXX ; and date last reported XX/XX/XXXX ; For the record, there is no evidence of a contractual liability ; expressed or implied tacit agreement with Keybridge and XXXX ; I have never received any validation letter from Keybridge prior to their tradename on my credit file in XX/XX/XXXX ; and allegedly verifying the debt as valid to XXXX and XXXX ; This conduct is a direct violation of XXXX Validation of debts ; ORC XXXX, and XXXX Case No. XXXX ( XXXX. Ohio XX/XX/XXXX ) This conduct is a direct violation of XXXX false and misleading representation ; XXXX ; XXXX, XXXX, ( XXXX ). 

This conduct is defaming my character without proof of claim of a valid honest contractual agreement in writing In accordance with XXXX XXXX Ohio Statutes of Frauds ; XXXX, XXXX ; This Conduct violates XXXX disclosures to consumers FCRA by not properly validating the debt to me after initial dispute in XX/XX/XXXX ; and falsely misleading credit bureaus with inaccurate information ; I am being denied credit do to the fact of Keybridge 's actions, and If their tradename is not deleted off my credit file ; I will filing civilly seeking punitive damages in accordance with United States Court of Appeals, XXXX Circuit, Case No. XXXX, XXXX, XX/XX/XXXX ;
Product: Money transfer, virtual currency, or money service

I listed an item on XXXX XXXX  on XX/XX/22. A buyer ( XXXX XXXX ) offered to buy XXXX items for {$800.00}. He tried to zelle me. He sent me a screenshot of the zelle. I then received an email saying that I needed to upgrade my zelle account in order to receive the payment. I had to send him {$500.00} and then I would receive my money. Once I did this, I got a fake email claiming to be zelle. It is then I realized it was a scam. I asked the sender for the money back and he refused.
Product: Consumer Loan

the almost the entire payment goes to interest not the pres able the balance is not going down
Product: Money transfer, virtual currency, or money service

I sent two separate transfers to my sisters in XXXX via TRANSFAST. US {$500.00} each. I send it on XX/XX/XXXX and my bank was debited the same day. Transfast has not deliver the money to any of my sisters as of today XX/XX/XXXX TRANSFAST only answers automatic answers and no solution my money is lost. 

TRANSFAST references of both transfers are : XXXX and XXXX
Product: Credit reporting or other personal consumer reports

this company removed fraud accounts from my report now they are back reporting them someone has used my info and opened fraud accounts XXXX is in violation of federal law and needs to be held accountable these fraud accounts are XXXX CREDIT COMPANY XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX OF XXXX ACCOUNTS NEEDS TO BE REMOVED THIS HAS BEEN GOIN ON FOR ABOUT A YEAR NOW THIS COMPANY HAS ALREADY COMPROMISED CONSUMER INFO FROM HACKS AND OTHER THINGS AND HAVE BEEN DOIN THIS TO ME FOR YEARS IVE SENT IN POLICE REPORTS AND ID THEFT REPORTS STILL NOTNING HAS BEEN DONE
Product: Credit card

XX/XX/XXXX i purchased a refrigerator and stove from appliance connection with a 12 month XXXX interest option. I was told make 12 payments and I did. The last payment was made according to the last bill XX/XX/XXXX. They in turn said I was 10 days late and billed me approx {$1000.00} in interest. The product was not recieved till the end of XX/XX/XXXX. I am currently being sued in civil court for approx {$1500.00} which includes late fees and more interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was shown on the credit report as a late payment Payments are due on the XXXX and payment was made on XX/XX/XXXX and again on XX/XX/XXXX with final paymet due on XX/XX/XXXX. I talked to Santander and they report late payments more than 35 days but it was 33 days and it was not a payment but fees. This has adversely affected my credit score as I never missed a payment
Product: Student loan

I am an American citizen who is doing XXXX school in XXXX at a university recognized by the US Department of Education and is eligible for Federal direct loans. I applied for an in-school deferment with AES, and they denied my request twice, claiming that my school was not recognized by the Department of Education XXXX When I asked for documentation that my school was not recognized, such as a list of recognized schools, even after I provided a list of recognized schools that included my schools, I received no reply. Since about XX/XX/2023 I have had to pay the full amount of my student loan despite, in my opinion, being entitled to an in-school deferment.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have some inquiries in my credit report that i don't recognize. i called company to fix the issue and i don't get any result.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This company is stating that I owe them and its on my credit. I don't have a signed contract with them. This account have been on my FTC report and Ive disputed with the credit bureaus.
Product: Money transfer, virtual currency, or money service

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

I disputed the accuracy of the information reported on my credit report XX/XX/2017. I never received a response detailing the debts accuracy and fairness.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( COLUMBIA DEBT RECOVERY ) ( Account # - XXXX, has violated my rights. 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.

I do not owe Columbia debt recovery any money. Im trying to buy a home and they are interfering.

Also the collection company dont have a license in Delaware to collect debt from me i searched them on https : //www.nmlsconsumeraccess.org/ Please help me
Product: Credit reporting or other personal consumer reports

Hard inquiry on my credit report run by capital one without my knowledge or consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went online to the Annual Credit Report website today, XX/XX/XXXX, check at least one of my credit reports. I attempted to access Experian, but there was a computer error so I went directly to the website. I noticed inaccurate personal information that I wanted to dispute along with hard inquiries that I did not recognize. I attempted to file the disputes online but the site information stated that I would have to dispute the information over the phone. During that time, ads popped up to check for preapproval of credit cards. I did what I thought was a pre approval then immediately after I received a hard inquiry alert for TWO credit cards. It turns out the information I completed was an actual application, despite what it says on Experian 's website. I contacted the credit card company, XXXX XXXX ( not XXXX XXXX ), to verify the information and have any applications and pending information cancelled. Experian is very misleading. Hard inquiries were performed without my knowledge. I also never received any follow-up information from the " pre approval '' credit card company. Hours later I received two additional notifications from two different companies ( XXXX XXXX and XXXX ) about my " inquiry from Experian. '' I did not authorize or complete any information to allow those companies to access my information.
Product: Student loan

XX/XX/year> reached out to Nelnet via phone to check on status of refund for payments made under the XXXX XXXX XXXX XXXX. Rep stated my refund had been sent over to processing but they could not tell me how much the refund was for. 

XXXX Reached out to Student Aid Ombudsman with the DOE and did not receive a status either. 

XX/XX/year> - Send follow-up email to DOE Ombudsman checking on status of Nelnet 's refund claim. No communication or response. 

XXXX Called Nelnet again. Got rep named XXXX on the line. She confirmed that my refund HAD NOT processed and there was not information at all about a refund. Nor could she provide an approximate time line. She also could not provide information as to why I was lied to by the other representative back in XXXX. I emailed this to the DOE Ombudsman as well, still have no received communication or status update.

The payments have been lost over time due to the age of the loan. But my refund should be approximately in the range of {$4000.00} to {$6000.00}. It is unacceptable that a loan servicer straight lies to a customer to get them off the phone line and never follows through with any communication or information. This is causing myself and family a lot of financial and emotional hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a letter from Experian in regards to the complaint I filed via the CFPB about their dispute process that contains many errors. I clearly stated the errors and exactly how I would like each item resolved ; they continue to allow accounts to report in error, a clear violation of my rights. On page 2 of 28 dated XX/XX/2019 ( will add the report number later ), they stated they contacted the company reporting the information I disputed, and instructed them to review the information provided to verify the accuracy of the information ; failing to conduct an independent investigation and allowing these companies to update their records in accordance with what was provided to be able to verify at a later date ; another violation of my rights. I also clearly stated to provide verification, and all they provided were phone numbers ; failing to accurately verify and provide verification via an original instrument of indebtedness in its original form, a consumer contract with my signature on it ; another violation of my rights. Lastly, I clearly stated to remove all non account holding inquiries or provide permissible purpose ; they have failed to provide either ; another violation of my rights. I understand this entity is a for profit business so they cater to their customers, the alleged furnishers in order to keep credit scores lower to conduct business with predatory lenders for obvious reasons, but we must hold entities like Experian accountable to be in accordance with Federal Law ; not all accounts must be reported, but of those that are, they must be 100 % accurate and 100 % verifiable or they must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXX/XX/XXXX {$630.00} ( disputed no action ) XXXX XXXXXXXX XXXX XX/XX/XXXX {$710.00} ( disputed no action } Online information service XX/XX/XXXX ( disputed no action ) In accordance with the credit reporting act, these creditors have violated my rights.

15 USC 1681 section 602 states I have the right to privacy.

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