23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2019 I reached out to XXXX XXXX XXXX Regional Manager. ( XXXX XXXX ) Office manager refused to accept payment for XX/XX/2019. 
I explain to her its not fair. 
There system twice had a system error. And they would send out eviction notices to tenants. Even if they had paid rent already? And know that I was late on payment. They refused to accept it? She at first Apologize and said she would fix it. 
Than she said XXXX premises Manager would contact me? 
Than we had a telephone meeting. 
And she said XXXX manager At premises was guaranteeing I have been late before on payments? 
I told her look at payment history yourself. 
She said move out in 5 days. And will keep it like you voluntarily turned in Apartment. I did found a new place to stay And started my new rental agreement On XX/XX/2019 so how can They report Me and say XXXX behind in my rental payment. Since XXXX Causing me stress and physical problems Especially know that we are in an epidemic disaster. That is a lie. 
And when I was there I witness Tenants moving out 3 times a week. 
What really goes on there is ridiculous. 
XXXX which was an employee there. 
Telling her children things about tenants. 
My kids got told what are you guys doing In the area if you guys dont lived here Anymore. If we live in the area we have every right to be where ever we want. 
Upset there premises. Driving around By my home to make sure I did lived in the area. Thats harassment ... .please look into the amount of cases this rental premises has had in the pass.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have identified information on my reports that are a result of identity theft these items are not related to any transactions completed by me!!!
Product: Credit reporting or other personal consumer reports

THE FOLLOWING INQUIRIES SHOW ON MY CREDIT FILE- ALL ARE ERRONEOUS AND FRAUDULENT. ALL CREDIT BUREAUS DO NOT INVESTIGATE, ALL THEY DO IS SAY THEY ARE " VERFIED '' OR " FACTUAL ''. THE INQUIRIES ARE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NONE OF THESE ARE TIED TO ANY ACCTS I HAVE AND I HAVENT GIVEN ANY INFO TO ANY OF THESE COMPANIES. THIS IS DISPROPORTIONATELY AFFECTING MY CREDIT FILE AND IS A VIOLATION OF MY CONSUMER RIGHTS PER 15 U.S. Code 1681e and 15 U.S. Code 1681i
Product: Mortgage

My wife and I applied to refinance our existing mortgage with Wells Fargo on XX/XX/XXXX. I met with a WF mortgage consultant for over 2 hours and provided all of the required documentation. I paid {$640.00} at that time for the appraisal and a credit check. 

I provided follow up information as requested immediately. It was an arduous process and the consultant assured me there would not be a problem considering my excellent credit rating and longtime relationship as a WF customer. 

The appraiser arranged a time to visit my house to conduct the appraisal. The night before the scheduled appointment, the appraiser notified me that Wells Fargo would not let him enter my house due to Covid-19. Since the house was unoccupied, he asked if it was alright with me if he entered the house. I agreed. Wells Fargo then said he could not enter the house, even with my permission. The appraiser then said he could perform an external appraisal and complete his appraisal if I provided detailed pictures of the interior of the house, which I submitted. The WF mortgage consultant, Mr. XXXX XXXX, agreed with this approach and the appraisal was completed. I received a certified appraisal on XX/XX/XXXX. Mr. XXXX contacted me afterwards and said everything was in order and the mortgage would be approved shortly. 

Later in the day Mr. XXXX called with bad news. He said that since my mortgage had been sold to XXXX XXXX, they demanded a complete appraisal to include the interior, however, since WF wont allow interior appraisals, they could not approve the refinance. The consultant was very agitated by the decision and promised to fight it further, but after a few weeks passed, he called to say he did not make any progress and urged me to call his supervisor, Mr. XXXX XXXX to complain. I did call and left several messages, but never received a return call. 

On XX/XX/XXXX, I received a letter from WF stating my application was denied because We do not offer the product or program requested, whatever that means. 

I do not understand how as a mortgage holder with WF since XXXX, with a perfect on time payment history, that I do not qualify for a refinance where my monthly payment would be much less than I am currently paying. I also do not understand why they will not let an appraiser in my unoccupied house, when he is more than willing to do so, or why they will not accept the complete and certified appraisal already completed in XXXX. 

It seems that WF, through their own doing, is making it impossible to complete this process. 


Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a WV State Tax Lien in the amount of {$690.00} showing on my XXXX credit report and this was paid and released on XXXX XXXX, 2012. I have sent in verification to Equifax showing this has been satisfied and its still showing as unpaid. I have also disputed this with Equifax and never received a response, only stating it was a valid debt and did belong to me. It needs to be updated and corrected that this has been paid and released.
Product: Mortgage

I purchased my home in XXXX. At that time, my legal name was XXXX XXXX XXXX. In XXXX, I filed chapter XXXX bankruptcy. Since I had XXXX mortgages, the XXXX ( The XXXX XXXX ) was discharged. Since, they have sold to Caliber. I learned last week that Caliber has marked the account as active and state that I owe approx. $ XXXX. I have called numerous times. The automated system does NOT recognize my ssi number, nor loan number. The only other option is to dial the ext of the person you wish to speak. I CA N'T get through to a live person. I sent an email and received an automated response saying they will reply in the legal amount of time. What is the legal amount of time? I had a loan officer call. She was able to speak to a supervisor who argued with the loan officer. The representative stated they will take the FULL 30 days before responding. This is clearly an error. The only thing received since bankruptcy was a XXXX for tax purposes, clearing the debt. I have never received anything since. I just want this corrected immediately and off of my credit report. I am not sure if XXXX forgot to mention bankruptcy or if Caliber did this on their own. Bottom line, I need this to be corrected immediately. This is horrible customer service.
Product: Debt collection

I made a {$420.00} payment against a debt of {$1100.00}, which should have left a balance of {$750.00}. They sent a notice showing a balance due of {$890.00} with no notice that they were charging a fee, interest, or any other modification of my debt.
Product: Mortgage

I have a commercial mortgage with Community Loan Servicing LLC, my taxes & insurance are both escrowed. I've been set up on auto payment since I refinanced with them a few years ago. In XXXX of XXXX my insurance broker started emailing me about non payment, & that my insurance was going to end. I told her then I was paying my mortgage with escrows & she should be getting paid through my escrow account. She confirmed there was no payment & I ended up emailing Community Loan servicing to make sure they paid my yearly insurance policy. Even though they ended up paying late, at least it was finally paid.. None the less, I was assured the connection was again made between my escrow account & insurance policy holder. Then this XX/XX/XXXX, my property caught fire. When I gave my property manager my insurance policy, they informed her it was no longer active. I emailed my insurance & they confirmed my policy ended XX/XX/XXXX due to " non payment ''. Even though my mortgage was still taking my escrow money every month they never emailed or called me to inform me they stopped paying. '' They had then placed me on a lenders policy of {$130000.00}, minus depreciation, even though my buildings current value had reached {$250000.00} & my policy I had in place was for over the {$250000.00} with no deductions & renters loss. Now I have all my tenants evacuated, no rent coming in for an indefinite time frame based on construction & the insurance investigation. My mortgage company told me the still want me to pay for my mortgage with my " escrows '' that they so irresponsibly handled while I figure out the next few months of complete loss.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these are all fraudulent accounts and I need them deleted
Product: Mortgage

As a XXXX veteran ( XXXX ) with a XXXX status accorded me by VA, I qualified in 2013 for a VA mortgage, which in New Jersey means that I do not pay property tax. Despite this, my mortgage lender, Wells Fargo, has not only required me to pay property tax as part of my mortgage payment, they have demanded the municipality send my tax refund to them. They have also then held the full amount, over {$4000.00}, claiming it is needed for escrow to pay my homeowners ' insurance, despite the fact that the homeowners ' insurance is under {$1000.00}. Additionally, they have held the refund payment for a full year, despite the fact that the insurance premium was paid on time six months ago. 

Despite several appeals to Wells Fargo and a full-scale effort to get things cleared up by the XXXX, I can not get a coherent answer to why Wells Fargo needs the money I have been exempted from by the government due to my service record. They send me forms that make no sense to me. Their replies to the XXXX inquiry were simply inscrutable. 

I need help. I am unable to work. I am under continuous VA medical care. I was told by VA, the state of New Jersey, and the municipality in which I live that my service record entitles me to not pay property tax. Why should I pay tax to Wells Fargo?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having a problem getting a copy of my Chex Systems Consumer Report, I am entitled to. All of the accounts and credit inquiries listed on my Chex Systems Consumer Report is fraudulent and unauthorized accounts and credit inquiries.
Product: Debt collection

I am writing to dispute the reporting of my Capital One account XXXX. The account was reported as a charge-off, which has negatively impacted my credit score. Upon reviewing my credit report, I noticed that there is still a past due balance being reported in the amount of XXXX, despite the account being charged off. 

If the debt was indeed charged off, there should not be a past due balance since the amount was written off by your company. I request an explanation as to why there is a past due balance being reported while the credit bureau report shows the account as a charge-off. This appears to be a violation of the Fair Credit Reporting Act ( FCRA ). 

Furthermore, I did not receive a Form 1099-C for this debt, which typically accompanies a charge-off indicating that the debt was written off by your company. This raises concerns about the accuracy of your reporting. 

The continued reporting of this past due balance is affecting my credit score and I request immediate correction. I request you immediately remove of this account off my credit reports with XXXX, XXXX, and XXXX. 

Failure to correct this information will compel me to report this matter to the Internal Revenue Service ( IRS ) and the Attorney General for fraudulent reporting practices. 

Thank you for your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

I have set up autopay with the bank, received confirmation : auto-payments did not go through and I am charged condo association fees, had to set up again with agent helping me. 
Banks website is not functioning properly and it cost me money
Product: Credit card

I have a credit card with bread Financial / XXXX XXXX. It was another credit card that was bought out by this company. I did not want it so I closed it and I paid off the statement balance. Then I get a bill saying I owed them {$4.00}. Called them to complain. Said they couldn't get rid of the interest fee. So I mailed a check as I had already closed the online banking and I did not want to pay their {$9.00} fee to make a payment over the phone. Apparently, they claim not to have received my check. I received another statement. So I called to complain and said I pay it on the phone if they waive the {$9.00} fee and while the statement said {$11.00}, the representative tells me I owe {$13.00} and change. Some nonsense about interest and blah blah blah blah blah. I was told I would not be charged more interest when I made the first phone call about the {$4.00}. She argued with me and told me this is what it is. I paid the {$13.00} and change and said now what are you going to do when you get my check in the mail. Oh well we'll apply it to your account and then we'll have to refund it to you. This is a load of nonsense. Just another way for a large company to bilk the consumer. I would never open an XXXX XXXX Account ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was used to to open a XXXX XXXX credit line. 

XXXX was notified it was fraud from the credit provider and it is still showing on my credit reports.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To Supervisor of Department, According to The Gramm-Leach-Bliley Act it requires financial institutions companies that offer consumers financial products or services like loans, financial or investment advice, or insurance to explain their information-sharing practices to their customers and to safeguard sensitive data. 
However, i was never explained to that my information would be shared with the Credit bureaus or Credit Reporting Agencies which is a violation of my rights. I demand to be opted out from any of my information accounts history, personal information etc from reporting to them. 
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
You have violated United States Code Law 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information You are required by federal law to verify, through the physical verification of the original signed consumer Promissory Note, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive never ever heard of elan financial or the bank
Product: Debt collection

Under FCRA Guidelines IC Systems XXXX charter communications violated my rights according to
15 USC 1681 section 602: Rights to privacy 
15 USC 1681 section 604 A section 2 : Consumer reporting Agencies cannot furnish account info without written instructions
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. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I am in the process of buying a new home and securing lending on a jumbo loan. I have no debt to my name, a credit score higher than XXXX and more than sufficient funds for the 20 % down payment. I am gainfully employed at the some company for the past 10 years and in the same line of business for over 20 years. At issue is documentation required from the lender to approve my loan - specifically a mortgage or rental history for two years. I owned a home XXXX that I purchased in XXXX and sold in XXXX when I moved XXXX and purchased a home in XXXX that I sold in XXXX. Since that time I have been living XXXX rent free. Because I have the benefit of good friends and family members in the area while I continued to search for a home to purchase, I am now being penalized by having my loan not approved for this isolated reason. My impeccable credit report and payment history from XXXX is insufficient?
Product: Credit reporting, credit repair services, or other personal consumer reports

there is a number of inquiries on my credit report that is fraud i did not apply for any of these acounts XXXX XX/XX/XXXX XXXX XXXX bank XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX i was just laying down an got a credit alert.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with Fair Credit Report Act XXXX XXXX XXXX opened XXXX XXXX balance XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX balance XXXX Bankruptcy acctt # XXXX has violated my rights 15 U.S.C 1681 section 602-8 states I have a right to privacy, 15 U.S.C 1681 section 604A section 2 also states a consumer reporting agency can not furnish my account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

As far as I know, nothing happened. The same company is still asking for my personal information ( seriously? ) after its already been stolen from them. I need a resolution from all of this, not a stupid enrollment date. Tell me what you will do to correct the situation instead of apologizing.
Product: Credit card

During the COVID-19 outbreak I applied for EDD unemployment and was issued an EDD BANK OF AMERICA DEBIT CARD. It was mailed but I never received it because someone had stolen the mail before I could get it not only that but all my personal and sensitive information was was stolen at the same time I reported this to both EDD and Bank of America and have not received any help or information. Both claim they are not responsible and both tell me to refer to the other. Both keep transferring me to somebody they claim that can help me but when I'm transferred that person tells me that this is the wrong department and they transfer me back to where I started both of them are guilty of this like I said I've contacted both of them continuously for the last several years. I'm trying to file a claim for my money that was stolen. I have yet to get any help
Product: Credit card

Commentity Bank allowed someone to open an account in my name without any type of verification. Or proof of identity like an Drivers license or state ID.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit card

Due to XXXX XXXX action. This Debt Collector Company Northland Group started to make a collection activity on account I have with XXXX XXXX Credit Card as in the letter shows I 'm disputing the letter sent on XXXX XXXX because is not the actual balance I owe to XXXX XXXX credit card. Further more I 'm requesting thru this Inquired to provided the transactions took place on this account and how they get to {$470.00}. 
Please explain me the following : * What the money you say I owe is for. 
*Explain and show me how you calculated what you say I owe. 
*Provide me with copies of any papers that show I agreed to pay what you say I owe. 
*Provide a verification of validity of the debt ( per statue of limitations ) or provide me a copy of any judgment ( If applicable ). 
*Provide with the name address and reference number of any other collection company or collector that this matter has been assigned to. 
Be advised that im fully aware of my rights under the Fair Debt Collection Practices Act and Fair Credit Reporting Act. 
I would like the CFPB request this collector agency the items above I request to validate the debt.
Product: Debt collection

" CMI '' and " XXXX XXXX XXXX '' and " Crdt Management '', probably CMI Group, has been calling me every day, at random hours including before XXXX XXXX, utilizing a different phone number pretty much every time, making blocking their calls impossible. Their constant harassment has nearly caused me to lose my job, and I have gotten written up at work because my phone constantly ringing is a distraction to customers and coworkers.
Product: Credit reporting or other personal consumer reports

Hard inquiry/ Hard Pull by XXXX XXXX on XX/XX/2023 that I did not authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a car from XXXX XXXX, the car is paid off I HAVE THE TITLE, no liens no issues with it the car is mines since they sent me my title and they are inaccurately reporting it as delinquent, I have proof of the vehicle being mines. I also have filed an FTC report because this is holding me back when I go to dealerships they see that the car is mines but its reporting inaccurately. I want this fixed and handled and behind me i have been going back and fourth for the last 2 years about a car I own. If i didn't own the vehicle or if it was bad debt, why do I have the title signed from XXXX XXXXXXXX to me?? I dont know what is going on there end but it has nothing to do with me, I am debt free with them and I want my report to show that or to completely delete the account.