23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Complaint is for the service r of Wells Fargo, which goes by the name of America 's Servicing Company. This service r is and has been in violation of various mortgage disclosure laws, such as those required in R.E.S.P.A and T.I.L.A. Laws since the originating mortgage XX/XX/XXXX. 
The particular mortgage is a subprime mortgage it was presented to an elderly person, a senior, non XXXX speaking who was asked to sign documents under duress and without proper representation nor translation. The senior in question was a vulnerable XXXX year old having just lost her husband. She was approached but an unscrupulous mortgage broker who used all of the equity in her primary residence to finance multiple properties. This is XXXX of XXXX. Moving forward to violations they included, inappropriate and unexplained fees of the section XXXX of the Federal Trade Commissions Act, which prohibits unfair or deceptive acts or practices in or affecting commerce. The escrow fees in this particular mortgage were excessive and continued from the onset of the mortgage through today. Despite the many complaints mortgagor submitted, especially after the one year anniversary which was the date that the borrower was exercising her right to not have it any longer withheld. The original note was defective and the closing documents altered to hide or change specific numbers in the monies she was charged for such loan. Despite having a XXXX credit score borrower was charged an 8 % interest rate when the market rate for such loan was an average of 5.5 %. This is akin to loan sharking. Continuing on to more violations the insurance escrow on a yearly basis was being paid for and charged to the home owner by the service r at triple and some years quadruple the amount that the home owner herself paid consistently without ever being uninsured, again, her borrowers complaints fell on deaf ears. XX/XX/XXXX home owner experienced a hardship and asked XXXX Wells Fargo and the service r to review and modify the terms of the loan given the high rate of interest. She was denied her request without any explanation. This was a major down fall for borrower as in the months to come her failing health declined and the cause of income loss. The situation has never improved and neither the service r or the bank ever made any effort to reconcile numbers which are representative of the total balance due to date believed and proven by home owner and her accountant to be wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Previous complaints Filed with the CFPB Equifax, I placed complaints for both inaccurate invalidated information being reported to their bureau. Equifax alleges that they sent me a copy of the credit report but it's been 4 months and have not received anything in the mail at all. 

Their response was : Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the reporting company was completed and results were mailed to you. We hope this resolves your concerns. If you have any additional questions, you may call XXXX XXXX XXXX XXXX or you may visit XXXX. Here you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and your myEquifax products. 

I have received nothing but the same automated response for request for more information. If Equifax fails to comply with sending a credit report or validating inaccurate items, I will be forced to take legal actions for misappropriation, lack of full disclosure and violations of the FCRA for every item listed where there is no contract and they choose to ignore which will be beyond the minimum of {$1000.00} per violation. 

Please encourage this company to DO THEIR JOB and send a copy of the credit report for XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry from BMO Harris BK N.A on XX/XX/2019. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report
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. 
( XXXXXXXX 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 ) 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: Credit reporting, credit repair services, or other personal consumer reports

This morning while I was reviewing the itemized statement from XXXX I noticed that I had a charge from TransUnion for XXXX . I realized that I had not requested a credit report in years so I thought there had to be some sort of mistake. When I went back into prior statements I saw that TransUnion has been charging me XXXX $ every 5th of the month since XX/XX/2016 when they initially charged me 1 $ to check my credit. These services are listed as " Transition from TU alerts to XXXX alerts, '' which if I have been receiving I am not aware and I certainly did not sign up for. What is troubling about this situation is : 1 ) I never authorized TransUnion to save my banking information 2 ) I never signed up for the services that I have supposedly been receiving ( I am not even aware of what they supposedly are ) If I did sign up for these services it was not to my knowledge and was done in a manner that was deceptive in nature.

3 ) I never authorized the recurring charge which appears to be 19 times the dollar value of the initial charge All of the charges are documented in the attached file.
Product: Credit reporting or other personal consumer reports

ChryslerCap/Santander . 
Account number : XXXX Account type : Charge-Off Reporting to : XXXX and XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX XX/XX/XXXX I asked them to validate the account. All they did was change the notes in the credit report and set updates and verify. This account was closed in XXXX as a charge off. As my report shows they have reported charge off XX/XX/XXXX all the way to XX/XX/XXXX on my XXXX. Which they only charged it off once. Thats not accuracy of my report. XXXX also shows last payment on XXXX XXXX. And it was closed on XXXX XXXX Same as XXXX. This have dropped my sores over a lot. 40- 50 points every time I dispute with them.All they have done is updated the profile and Re aged the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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
Product: Vehicle loan or lease

I went to purchase a vehicle on the website, which told me I was preapproved by their financing to get. I found a vehicle that I wanted to purchase and therefore started the process of buying the vehicle. I submitted the down payment that they required and also the shipping fee which they also required for the vehicle. Then I went and got insurance on the vehicle as that was part of the requirement to get the vehicle. After submitting that information I got a notice that more documents were required upon checking which documents they needed. It said that I needed to bring my current account current before I can get the loan to reach their financing company called. I called XXXX and made two payments on a car that I had already voluntarily submitted for repossession as stated by their disclaimer that it needed to be paid and current before I could get the vehicle. After doing so I submitted documents showing that I had paid two payments on that car to bring it current and not behind. The next day I logged in to see the status of the vehicle and it still said pending so when I called the company, they told me that I actually couldnt buy the car because the financing was not approved because of a repossession on my vehicle I asked them why then did it state that I needed to pay to make it current if I couldnt get another vehicle which they said they couldnt answer. Then they told me that it could take up to 15 days to refund the money that they had taken from my account the same day for a vehicle that I wasnt even approved to purchase. I told him this was unacceptable because I needed that money to actually be able to try to go get a car as I need one for work to which they told me there was nothing they could do about it. The practice was deceitful making it seem like I needed to make two payments on a car that I no longer owned to be able to buy a new one when in fact, there was never going to be an ability to purchase a new vehicle because of that repossession the company knew this, but still went through with the demand that I make that account current and still took my money for the new vehicle, even though I wasnt approved.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX  XXXX XXXX : Formal Complaint Regarding Account Freezing and Fund Seizure Dear Sir/Madam, I am writing to formally complain about the treatment I received at your branch located at XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX  XXXX XXXX on XX/XX/year>, around XXXX XXXX 

I visited the branch to make a withdrawal from my account ( checking account number : XXXX ) and was informed by the bank staff that a recent deposit made to my account under another individuals name required this individual to be present for the transaction. I complied and brought the individual to the bank, where they were questioned about the deposit. The individual explained that the deposit was for business purposes. Despite this explanation, the staff did not accept it and subsequently froze all my accounts and removed all funds from my account. 

I contacted the bank XXXX weeks later to follow up and was informed that my accounts had been frozen due to suspicious activity and that I would not be getting my money back. 

I believe this action is unjustified and has caused me significant inconvenience and financial distress. I complied with all the bank 's requests and provided the necessary explanations for the deposit. Freezing my accounts and seizing my funds without a proper and transparent investigation is unacceptable. 


Thank you for your immediate attention to this serious matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

My card is Citibank Credit Card, which is currently no more with me as I disposed the card. The sales person come to me was not understanding English and so I asked him to give me back the documents or else arrange call from office before processing my documents. However the card was activated without any verification with me. On XX/XX/XXXX, while trying to update my XXXX details, I was facing problems to login my account stating my credentials entering are wrong. Hence on the same day I sent a mail to XXXX to resolve the issue and to close my a/c. No response I received. Subsequently I called to customer care and paid my dues completely. After completely paid my dues I called to customer care and requested to close/deactivate my card as I dont want to continue. They confirmed over phone its deactivated. This confirmation over phone I had taken two three times as I was no mail ids to contact. Even my previous mail Id was unanswered. Post that this year in XX/XX/XXXX onward suddenly I started to get messages in dues to be paid. I contacted customer care. The executive who attended my call insulted me saying there is no such card in their records. Now the due amount is increasing day by day and I am getting messages regularly nowadays which is an integrity issue on my credibility. Now I am not ready to pay even a single rupee to them as I had mailed and informed over phone that I wont be liable for any charges arising out of this card as I got closure/deactivation confirmation of that card. Hence I want to stop this message sending to me and wants to close the entire relationship with Citibank credit card group w.r.t. this card
Product: Credit card

Chase Freedom Credit Card : Excessive late fees. High interest charges. Made a telephone agreement to pay {$200.00} dollars monthly for 3 months to catch up. Received bill for. XXXX. Balance went up XXXX in a month. I called bank said they could not take final XXXX for XXXX if I wanted to talk to someone about affordable payments plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified procedural verification letter dispute # XXXX XX/XX/19 requesting documentation of proof of the accounts referenced in the letter to be valid and that the collection agencies, XXXX, any third party or court provide me documents of the alleged collections or public record accounts. And, that E-oscar is unacceptable for verification procedure. However, all I received was a copy of my credit report stating The company has reported the information has certified to XXXX  that the information is accurate or updated This is NOT acceptable. I have not received any information from anyone to verify these accounts. I am demanding immediate removal of these disputed items. Or, I will be acquiring an attorney to represent me in these violations of the FCRA.
Product: Credit reporting or other personal consumer reports

My rights have been violated under 15 U.S CODE 1666b Timing of payments -A Creator may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
Accounts with illegal late payments-XXXX XXXX XXXXXXXXXXXX XXXX XXXX
Product: Debt or credit management

Credit Karma said I had outstanding approval odds for a XXXX XXXX Credit card so I applied for that card. They denied me. It affected my credit score negatively.
Product: Credit card or prepaid card

XXXX XXXX XXXX, I reported my card stolen/lost. 
A new card was issued but never received by me. 
In XXXX XXXX XXXX, I started seeing charges to my card. 
This company does not have a mobile app or way to notify you of late fees. 
So at the end of XX/XX/XXXX, I saw a late/missed payment on my credit card. 
I notified the First Progress of this and they started a fraud investigation. 
On XX/XX/XXXX, the charges were removed but their late fees and interest was not. 
I called & asked why and they stated they would be removed in 30 days as another department had to do that. 

On XX/XX/XXXX, I called and asked why the fees were not removed and why was the late fees still showing up on my credit report, the bank stated I would need to start another investigation to remove the late fees. 

They showed me the card members agreement that stated as such on page 10 but the rep refused to answer the bottom half of the agreement on Page 10 that states I would not be assessed any fees or penalties during the investigation, as well at the the bottom half of it that states all fees, interest, and charges would be removed after completion of the investigation. 

So the late payments are still showing up on my report and the late fees plus interest for those fees are still on my account unless I start another investigation that may take up to 90 days to close.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE INQUIRIES LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO FILL OUT THE FRAUDULENT APPLICATION IN MY NAME. 

I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Mortgage

NewRez has deposited my 3 checks, but has only given me credit for one of them. I have made all of my payments ON TIME and IN FULL. 

Background : There was a change in my loan servicing company earlier this year, and I sent the payments that were due for XXXX, XXXX, and XX/XX/2023 to NewRez, but accidentally used a closed account number. 

All three checks did however have the address of the property ( XXXX XXXX XXXX, XXXX, CA XXXX ) in the memo field, as well as my name and address. 

My bank statements show all 3 payments were made on time and in full and the checks have been cashed. However, these have NOT been credited to my loan XXXX. 


1. Check XXXX, {$1200.00}, dated XX/XX/2023, deposited by NewRez on XX/XX/2023 2. Check XXXX, {$1200.00}, dated XX/XX/2023, deposited by NewRez on XX/XX/2023 XXXX. Check XXXX, {$1200.00}, dated XX/XX/2023, deposited by NewRez on XX/XX/2023 I discovered the problem when I logged into my online loan portal and realized that they had not been applied to my loan. 

On XX/XX/2023, I went online and started a chat session. I explained the situation and asked for a resolution. I was assured they would fix it. But 7 days later, I received a debt collection phone call ( XXXX ). That caller gave me an email where I could send copies of my bank statements. 

On XXXX, that same day, I emailed to NewRez/Shellpoint copies of three months of bank statements as evidence of the amounts and dates. As of today, I have a very good credit score and I didnt want them to damage it. They did not respond. I continued to get U.S. mail from them claiming I had not paid. 

On XXXX I emailed copies of the front and back of the three checks to the same NewRez email, and got no email confirmation. I continued getting mail saying I hadnt paid. 

On XXXX, I got a secure letter from NewRez, via email, saying they had found one of the payments but had not found the other two. 

On or about XXXX, I received an incorrect 1098 for my loan. The balance and the interest were wrong. My address was also wrong, even though I had updated my address in late XX/XX/2023. I emailed the 1098 back to them on XXXX and indicated the errors, but got no answer. 

They deposited my checks on XX/XX/2023, XX/XX/2023 and XX/XX/2023, but have only credited one of those to my account ( Loan XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite all my extended efforts to heve the fraudulent items removed from my Credit File, it is clear that the Credit Bureaus have been non-compliant of the FCRA section 605b. I geatly appreciate the effort done by the Credit Bureaus to correct a portion of my Credit Report that were incurred due to Identity Theft. But upon further investigation of my Credit File, I realized that not all the disputed fraudulent information was deleted. Once again, I was a victim of identity theft and the items I am disputing were never related to any transaction that I have made or authorized neither did I received any beneits resulting from my Identity being stolen. Acording to the Fair Credit Reporting Act section 605b, the Credit Bureaus are required to remove any account and information that the consumer recognizes as an item resulting from an Identity Theft. I am submitting this complaint to follow up my previous complaints regarding the same problem and have the following items removed immediately from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and equifax keep reporting a XXXX XXXX bill on my credit profile that doesnt belong to me. niether company wont tell me what address that this bill is attached to. this is messing me up from applying for apartments on top of it not belonging to me
Product: Vehicle loan or lease

I have a loan on a vehicle and my payments are {$430.00} ally financial is saying that I am {$45.00} past due and I have records from bank to show payments was deducted
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my Credit Report and noticed some Hard Inquiries that I do not recognize. Can you please remove these from my credit report. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX