23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I refinanced my home through Sofi Mortgage LLC on XX/XX/XXXX. 

I never received a welcome packet in the mail from XXXX or an information via email letting me know that they were handling my loan. 

Not receiving a welcome packet or email I was under the impression that I would still need to mail my first mortgage payment to the address listed on the First Payment Letter that i received in my refinancing packet during closing from Sofi.

I sent my payment of {$1200.00} to Sofi Mortgage LLC on XX/XX/XXXX. 
It was delivered and signed for on XX/XX/XXXX, I sent the check and paid for it to be certified delivered via USPS, meaning someone would have to sign for it. 

On XX/XX/XXXX the check was then cleared. 
According to my bank the check was never endorsed, just had a stamp on it that said RECEIVED. I have a copy of the check and confirmed that the check was not endorsed, and just had the received stamp. 

a few days later I received a letter from XXXX asking for my XX/XX/XXXX payment. 
Sofi Mortgage LLC sold my loan to XXXX XXXX on XX/XX/XXXX or XX/XX/XXXX with giving my an heads up. I was caught off guard because I had sent my payment in and already knew that it was delivered, signed for, and cleared. I called XXXX to confirm that my payment had been forwarded but they had no knowledge of any payment being sent from Sofi Mortgage LLC nor could they see anything pending. 

I reached out to Sofi Mortgage, and they have no trace of my new mortgage, since it was sold to XXXX the loan number they gave me was a temporary loan number and no longer in their records. ( However, I am still getting mail to this day that is asking me to buy insurance for my new mortgage with Sofi Mortgage LLC ) I spent countless hours on the phone with Sofi Mortgage. I even called the company that handles their payments, XXXX, and they were never able to help me. 
I was given many different phone numbers to try and find someone who could help me, but after two weeks of constantly fighting to find my missing check no one was ever able to track it ot resolve my issue. 
I even contacted the person who I was working with from Sofi Mortgage LLC and he no longer works for Sofi Mortgage LLC, he  passed me along to someone else who wasnt ever able to help me. 

I filed a dispute with my bank in early XXXX but still to this day, XX/XX/XXXX, have no idea where my mortgage payment is. 

I also have no idea why Sofi Mortgage LLC would tell me to mail them a check, and then tell me they dont have my loan number or any account information anymore but then cash a check that has the loan number on it that is no longer in their system.
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  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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

Had a flood in my home XXXX, XXXX 2021 which the insurance is paying out XXXX out towards the damages on the property. I sent out the first insurance check to Carrington XXXX XXXX draft department the XXXX of XXXX, they sent the check to the wrong address multiple times to the point we had to order a new check from the insurance. My representative is XXXX XXXX Ext XXXX She has repeatedly told me its been handled and said she sent the new check out and its been indorse so we can repair the property. And they just sent the check back without it being indorsed. At this point it seems like its a game and nobody in the Carrington XXXX XXXX Draft Department is helping to get this job done the correct way. I'm struggling to pay to fix all of the damages in the property and Pay my mortgage. I seriously need help.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and had fraudulent accounts on my credit ..please remove these accounts from my report, they hurting my ability to obtaincredit ... thanks you!
Product: Credit reporting

I 'm filing this complaint Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and ca n't verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " Promptly delete all info which can not be verified. Please resolve this manner as soon as possible. Thanks
Product: Payday loan, title loan, personal loan, or advance loan

Only made charges/draws on this account from XX/XX/XXXX- XX/XX/XXXX and the highest balance ever on this account was {$11000.00} in XX/XX/XXXX per all the statements provided. XXXX charges/draws ever from XX/XX/XXXX - XX/XX/XXXX or to present ( XX/XX/XXXX ). I made a full balance payment of {$11000.00} on XX/XX/XXXX. After I made the full statement balance payment the company added {$1600.00} in charges dating back to XXXX for charges never made : XX/XX/XXXX - XX/XX/XXXX {$61.00}, XX/XX/XXXX - XX/XX/XXXX {$35.00}, XX/XX/XXXX - XX/XX/XXXX {$91.00}, XX/XX/XXXX - XX/XX/XXXX {$50.00}, XX/XX/XXXX - XX/XX/XXXX {$420.00} XX/XX/XXXX - XX/XX/XXXX {$960.00}. Additionally, the company requested an immediate payment due of {$520.00} and cited it as being past due. After requesting from the company where these charges originated from, the company cited new interest charges and would not provide any additional information. I unsuccessfully tried to obtain more clarification concerning these charges and the company begin to start charging interest on top of the interest ( which I believe to be illegal if no principal balance exists ) and would not lower the month payment in order to give me time to figure out where the charges originated from. Eventually I ended up paying over $ XXXX more to them from XX/XX/XXXX- XX/XX/XXXX. This company went as low as processing it as a charge off for {$710.00} even after I paid them over {$750.00}. This company is illegally adding additional charges to consumers accounts, adding interest on interest balances, demanding payment and erroneously reporting false credit information on fraudulent add on charges.
Product: Mortgage

Today  XXXX / XXXX /   17  around  XXXX  police came to my house it 's the last thing bank of america has done to me I make a complaint 2 day ago about his lawyer harassed me now I have police caming to my house they say that bank of america call them and to check what is going in my house and I was doing some kind of fraud at the hospital this is getting out of control I when to the police department and they gave me the same information about bank of america they have all the information of the people that called from bank of america I do n't know what to do I feel scared about bank of america would do to me I make a complaint about they do n't want to help me with my morgage but they keep making me more sick of what I really I 'm they keep harassed me any way they can I have stated that I do n't feel good and I whish it 's not but bank of america make me nervous and scared
Product: Credit reporting or other personal consumer reports

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : 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 

However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect.

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 Experian XXXX and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency
Product: Mortgage

I have my home mortgage account with Fifth Third Bank. My payment is made with escrow included. In XXXX my monthly payment including escrow was increased from {$1900.00} to XXXX. My payment are made automatically with {$1900.00} in XXXX, and again in XXXX. However with XXXX being short of {$27.00} the bank placed my account into foreclosure. Ive made the payment differences and full for both XXXX & XXXX on XX/XX/2020. Ive asked the bank to remove this foreclosure on my credit and was told they can not due to not taking partial payment. Again my mortgage payment is made with principle, interest and escrow. 

Please help me resolve this issue.
Product: Mortgage

I have been enrolled with PennyMac mortgage automatic ACH withdrawal and the bi-weekly payment program for several years. A bi-weekly payment of {$1200.00} is withdrawn from my checking account at least twice but sometimes three times pert month. I went on vacation XXXX 2016 and when I returned I noticed that PennyMac had failed to withdraw the normal bi-weekly payments from my account. No payments were made in the month of XXXX 2016. This is in violation of our automatic ACH and bi-weekly payment agreement. I believe PennyMac intentionally did this so that I can not pay my mortgage off early and save by reducing interest charges over time. This is the third or fourth related CFPB complaint I have filed on PennyMac in the past couple years and nothing helps! PennyMac is using predatory lending practices and not honoring their auto ACH bi-weekly payment agreement I signed.
Product: Credit reporting, credit repair services, 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  Account Number : XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries XXXX XXXX XXXX section XXXX A. XXXX 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.
Product: Debt collection

[ Your Full Name ] [ Your Address ] [ City, State, ZIP Code ] [ Date of Birth ] Radius Global Solutions [ Collection Agency Address ] [ City, State, ZIP Code ] Date : [ Insert Date ] To Whom It May Concern, I am writing to formally dispute the alleged debt associated with the account referenced below, in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ).

Account Information : XXXX : XXXX XXXX XXXX Account Balance : {$1200.00} Opened : XX/XX/year> Account Number : [ Include if available ] I request that you provide the following information to validate the debt : 1. A copy of the original signed contract or agreement between myself and the original creditor.

2. An itemized statement of the account, including the principal amount, interest, fees, or charges applied.

3. Proof that Radius Global Solutions is legally authorized to collect this debt on behalf of the original creditor.

4. Proof of my contractual agreement with Radius Global Solutions bearing my signature. 



Until this debt is validated, I request that you cease all collection activities and refrain from reporting this account to any credit reporting agency, including XXXX, XXXX, and XXXX. Reporting unverified debt is a violation of the FDCPA and may be subject to penalties.

Additionally, I request that you communicate with me exclusively in writing and do not contact me by phone. 

Please consider this letter a formal dispute of the debt. If the debt can not be validated, I expect its immediate removal from my credit report.

Thank you for your prompt attention to this matter. I look forward to receiving the requested documentation to resolve this issue.

Sincerely, [ Your Full Name ] [ Your Contact Information ]
Product: Credit reporting, credit repair services, or other personal consumer reports

Diversified consultants has reported a derogatory open account to all three bureaus that they refuse to validate. I've requested twice that they validate this debt, as I was a victim of identity theft around the same time they claim I established service with them. I've not had a XXXX account in years. Even then it wasn't under my name. I am requesting that Diversified consultants INC validate this debt. Please provide me the information used to establish this account in XX/XX/2015 such as social, ID and or signature on contract. It is vital that you're reporting accurate and true information. I am prepared to go as far as I need to, even if this is court. This is holding me back and I refuse to pay a debt I know doesn't belong to me. The amount said I owe is XXXX. I was a victim of identity theft and had a few other accounts where someone had used my name but used a diff social and they reported the debt to me, obviously this was removed since it was against the FRCA laws. So please validate this debt showing me what information was used to establish this account. This is my last attempt to deal with this before seeking legal counsel
Product: Mortgage

I contacted Loan Depot on the week of XX/XX/XXXX to turn off ACH/Autodraft because I'm selling my home. They confirmed that day that it was turned off and that I would not have to pay my mortgage because the owed amount would come out of closing. I also was contacted by my title company and loandepot on XX/XX/XXXX for a payoff confirmation and during the call I had them confirm that autodraft was off, which they stated it was. On XXXX, they withdrew XXXX from my bank account causing me financial distress. I spoke with them the same day around XXXX and they told me it would be 48 hours before I saw the money back in my account. I spoke to them almost 48 hours later because I saw no pending transaction in my bank account. They stated that it was completed today and I would see the money later today or tomorrow deeming the previous statement a lie. I'm very concerned that I might not see this money back. Are they allowed to take money out of my account even after I have explicitly denied them authorization on multiple occasions?
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

When my private loans when to navient for repayment, the company would not work with me for affordable repayment plans. Therefore, since I could not make the payments that they required XXXX $ XXXX monthly ) they sent my account to a credit collection agency. Therefore, my loans are now in default and report badly on my credit history and I am struggling to come back from that. I will not be able to afford buy a new home, let alone a new car, even though for years I have made on time payments to the collection agency for my student loans. Navient was unwilling to work with me to lower my payments to an affordable rate and told me in order to afford payments to sell my car, disconnect my cable and to get another job in order to make my payments. They made harassing calls to me over a dozen times a day and left me no choice but to take the option of allowing the loans to fall into collections so that I could get a more affordable payment plan. Now I am stuck with bad marks on my credit since XXXX and unable to come back from this. I need help.
Product: Mortgage

Divorced in XXXX, I was granted 50 % of the proceeds from the sale of my home. Judgement stipulates that it was to be sold in 1 yr. Six years pass and my ex-wife refinances the mortgage owned by Nationstar Mortgage/Mr. Cooper. The payoff amount was {$190000.00} on XXXX XX/XX/XXXX and refinanced by Nationstar Mortgage giving my ex-wife {$75000.00} in equity. 
Nationstar Mortgage failed to review the divorce decree, and should not have allowed her to refinance as 50 % of the equity belongs to me. My name is clearly stated on the lien release but I was not contacted for signature or for any reason. Nationstar did not do their due diligence to ensure there was no claim on the home. 

XXXX XXXX also signed claiming to have reviewed supporting documents. This did not happen.
Product: Payday loan, title loan, or personal loan

About two weeks before the end of XXXX of this year I went to Allied Cash Advance for a loan of {$250.00}. I did the necessary paperwork and received the {$250.00} On XX/XX/XXXX I went to payoff this loan and was charged a total of {$430.00} for this XXXX loan. I believe this was excessive for a loan of less than two weeks in length. Later that evening of XX/XX/XXXX I went on line to make an inquiry with Allied Cash Advance about this high processing fee. To date I never received a reply.
Product: Debt collection

Trying to apply apartment but I can't be approved because of the collection I don't own .. the Clark county collection trying to collect the XXXX XXXX  under my husband account.. which my husband just file chapter XXXX bankruptcy. Which the XXXX XXXX  been discharged with  the bankruptcy and now they report it under my credit report as a joint which I don't sign anything and im not present when my husband get a loan. 
The amount they trying to collect is {$1400.00} XX/XX/2018 And they put joint without my signature and even im not present they include me as a joint
Product: Checking or savings account

I made a purchase on XXXX XXXX and it was cancelled by merchant. Then I was charged a transaction of XXXX which I never authorized and XXXX isnt locating records of this transaction. Disputed with Chase and they didnt provide me with details on how this charge is valid or who made the purchase.