23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Reply to complaint # XXXX Thank you for your reply, I had not mentioned that the failure of XX/XX/XXXXpayment was again due to Wells Fargo. Please Check your records, the payment was made on time as I have from the very start of my mortgage. Someone from Wells Fargo placed a stop payment on my account back in XX/XX/XXXX, I was able to successfully submit my XX/XX/XXXX payment but for some reason my XX/XX/XXXX payment was blocked. I was notified by a Wells Fargo representative that my payment was due, that is how I learned of the stop payment. I immediately made the payment when I was informed of this situation and the stop payment was removed. Additionally, I am unsure how this relates to my complaint, but there is your explanation. I still do not know who or why a stop payment was placed or how one payment was accepted and the next was stopped.

Considering we are bringing up matters that have no relevance to my credit or credibility, I am happy to bring to light matter of Wells Fargo sending me another clients personal file. This file included all their personal information about their bankruptcy and financial hardship. While I am a man of my word and honest, I explained to Wells Fargo that I would not contact Mr. XXXX. My trust in Wells Fargo had been restored by Mr. XXXX making matters right, until I was witness to how private information is mistreated. I have no confidence that Wells Fargo has done what they can to repair my credit. This is a prime example of Wells Fargo 's sloppy attention to detail and my overall experience with each department. Mr. XXXX XXXX information attached exactly how it was sent to me.

Back to my initial complaint, while I am not a a credit expert I am aware of certain features available to make changes fairly rapidly. A third party company like XXXX could have resolved this matter within 24 hours. While Wells Fargo has corrected the other issues they caused, there is one that still remains, my credit. This matter has caused several issues to include hardship and having to switch to a one car family because I can not obtain credit for a new car. If the request to the credit bureaus were already sent once, what was the reason for sending twice? All the Credit bureaus are is a bulletin board in which information is posted and Wells Fargo is responsible considering they put it there.
Product: Money transfer, virtual currency, or money service

paypal suddenly hold my money. they did it before but i already answered and complied with all their questions and needed documents but they did it again! once again i answered all their questions and attach legal document like my bank statement but i still didn't get response
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$5300.00} ; XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$820.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$2500.00} ; XXXX XXXXXXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX Balance Owed : {$280.00} ; XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX ) XXXX Balance Owed : {$780.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance Owed : {$400.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$390.00} 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
Product: Mortgage

I have been a homeowner in my current home for approximately 10 years. Every year I have always paid my property taxes. I have never had a escrow account and it was never in my loan documents for me to have an escrow account. My county issue our tax bill in the month of XXXX. It is due in XXXX installments which is in XXXX and then again on XXXX XXXX. This year as in previous years I plan to pay my bill prior to the XXXX XXXX deadline. When I went to pay my taxes on XXXX XXXX, 2016, I discovered that the taxes had been paid and I did not know how or why. A week later I received a letter from Bank of America stating that starting XXXX XXXX, 2016, I would have to pay over {$2400.00} a month because they had paid my taxes on XXXX XXXX, 2016 and open me up an escrow account which I never had and did not want. I called them and advised them that I had the money to pay my taxes and I did not want Bank of America to pay my taxes. I paid them the amount they had paid for the taxes but the refused to put my payment back to the original amount of {$1600.00}. They said I would have the pay the {$2400.00} for a year and then they would review my account at the end of the year. I advised them that I could not make these increase payments because I am on a fixed income and my taxes had been paid which was only {$3800.00}. I advised them that all taxes they had paid was paid by me and now the escrow account that they had open was at a {$0.00} balance. They still refused to put my payment back to the original amount, even after talking to several of their employees who stated if the escrow amount was at {$0.00} my payments would return to the original amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I discovered Afni Inc had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification.
Product: Student loan

I have been out of school for almost a year & a half at this point. I started making my student loan payments about 8 months ago. When I first took out loans via Sallie Mae I was told the re-payments would be low and feasible. So I did it. I took out about XXXX with Sallie Mae. My first statements showed XXXX a month payments. I called and asked how that could be, it was n't feasible as promised & a 10 year payment option is not doable for my situation, I was told 10 years is all they can do and they had no solution for my situation. How can this be? I 'm struggling to make ends meet and climb deeper in debt each month just so I do n't miss a payment via Sallie Mae.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX EXPERIAN XX/XX/XXXX RE : Social Security Number : XXXX To Whom It May Concern : This letter is in response to your recent claim that XXXX XXXX XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to provided within fifteen ( 15 ) days of the completion of your reinvestigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding the alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. 
I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance. 
I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Product: Credit card

There was a charge to my account on XXXX/XXXX/16 I did not recognize so I called to report fraud. They closed my account and sent me a new card while they investigated. Then on XXXX/XXXX/16 there was another charge from the same merchant but on my new account? I found this out when I called them to follow up on the status of the first fraud charge. The amount was different than the first charge. The amount is reflected in my balance but is no where in my activity or on any of my statements. They can not explain why but assure me the charge is there. Again I told them I have not done business with this merchant and I want it removed. I was angry they even allowed the second charge and did not even notify me. And therefor what is the point of closing the account and giving me a new XXXX if the person committing the fraud can still charge the previous account and then it bounces to your new account. Their explanation was I must have signed up for something with monthly payments. Again I told them I did not. Next they closed my XXXX card and issued me a third XXXX. They gave me the number for the merchant and I called and spoke to a man. He said it was his business but he did not charge my account. He said if I can show him proof with a statement or activity he would gladly send me a money order. I called the credit card company again and they told me they ca n't print it and they have no idea why I ca n't see it or why it is not on my statement. So I ca n't go that route. Next they said they will need to start another fraud case and investigation for this new charge. At this point it has been 2 months and about ten phone calls around in a circle with a different person every time and the amount is still reflected in my balance. The last person I spoke with assured me they would take care of it and it would be XXXX5 business days. It has been XXXX now and I 'm fed up and very angry. I also wrote them a complaint letter and go no response.
Product: Credit reporting or other personal consumer reports

I closed my XXXX XXXX  account with XXXX and they reported to the credit bureau that I still have the account
Product: Debt collection

CMRE FINANCIAL SERVICES , INC is reporting a medical debt from XXXX XXXX XXXX in the amount of {$1700.00} since XXXX of 2017. I have disputed this debt as a hippa violation and sent a validation letter and have not got a response. Furthermore the bureaus state that the debt is verified as accurate without any documentation. CMRE FINANCIAL SERVICES , INC is located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA and to my knowledge is not licensed or bonded to legally collect a debt in the state of Texas. I am more than disappointed at the affects this has had on my credit report the last 3 years. Please have them remove this debt due to the aforementioned. Thanks.
Product: Payday loan, title loan, personal loan, or advance loan

I initially filed this complaint concerning the : 1 ) Abuse used by One Main Financial by Contacting me by phone over 40 times after Ive explained my emergency preventing my normal prompt payments since Contacting CFPB they have ceased with those harassment calls. THANK YOU 2 ) I asked for an apology for the prior harassment. I GOT NO RESPONSE THUS FAR!

3 ) Ive asked for an entire payment breakdown for the 5 years this loan has been in effect.

THEY ONLY SENT ME 3 YEARS!!

I have not sent them a single payment until they can VARIFY IN WRITING WHAT MY BALANCE IS! and HOW theyve arrived at that sun. I truly believe this loan is possibly ALREADY PAID IN FULL.. and they havent sent proof contradicting this.

In the initial 3 years of payment history they sent ( see it in the photos Ive submitted in the first complaint for this column information ) ; they have a column showing irregularities in INTEREST BEING EXTRACTED from ALL of those 3 years THEY HAVE NOT ATTEMPTED TO EXPLAIN THOSE INTERESTS EXTRACTION IRREGULARITIES!!

4 ) 2 Days ago I received an unsigned form letter from the Headquarters of ONE MAIN FINANCIAL ( see attachment ) I offered to allow me the option of paying at THEIR BRANCH LOCATED IN XXXX, INDIANA! 

That gesture was in response to my initial complaint of the branch XXXX : XXXX XXXX XXXX XXXX in XXXX, Illinois who RELENTLESSLY HARASSED ME WITH NONSTOP CALLING AND TEXTING. 

She was not reprimanded for her actions and is still managing the facility as if NOTHING HAS HAPPENED!!!!! 

Meanwhile.. As I said above. Ive got a UNSIGNED FORM LETTER ( see letter in attachments ) from The headquarters asking me toRESUME PAYMENTS AT THAT FACILITY WITHOUT ADDRESSING THE MOST IMPORTANT CONCERNS OF MY COMPLIANT!!!!!!

AND TO BE SURE. THEY ARE SENDING NEGATIVE REMARKS TO THE CREDIT BUREAUS SINCE IVE OPTED TO HOLD FURTHER PAYMENTS UNTIL UNTIL UNTIL.. THIS COMPANY CAN BE FORTHCOMING AND TRANSPARENT ABOUT MY CURRENT LOAN ACCOUNT!!
Product: Mortgage

I filed a complaint with you guys about PennyMac and how they're trying to scam people into forbearance as opposed to payment deferment during this crisis. So I left a complaint with you guys and the next day for some reason they call me up to talk about it I just think it's kind of weird they call me to ask about a complaint I made this should be done privately I don't know why you share information with them I feel intimidated by them calling me up
Product: Debt collection

i wasnt notified by the creditor before they tried to take legal action, not even the attorney office, they never sent me a validation of debt notice not even a phone card no communication at all
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had a huge security breach that has now put all of my personal information at risk. They were aware this breach happened in XXXX 2017 and I was not notified personally that my information was at risk. Instead I had to find out in reports in XXXX 2017 that there was a breach, and take actions to protect myself. In order to due so I had to PAY money to have my credit frozen. To the same company that lost my information due to security negligence.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor 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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Debt collection

True Accord sent me and email stating that they now own a alleged debt of {$400.00} that I allegedly owe to a company called XXXX. I owe no such debt and would like them to cease and desist contacting me.
Product: Student loan

I am writing this letter to request assistance with an issue concerning the XXXX program and the overpayments I made as part of the program. My loan ( s ) have been cancelled as of XX/XX/XXXX, however, the qualifying payments I made were determined to be XXXX total payments, by XXXX XXXX, and carried over to Mohela in the XXXX XXXX XXXXXXXX. I made all my payments to XXXX XXXX, then XXXX XXXX. I never made a payment to Mohela after having my servicer transferred prior to XXXX XXXX losing their contract. 

I have received one ( XXXX ) payment of {$700.00} in approximately XX/XX/XXXX, but I believe the total due to me for the XXXX  ( XXXX ) qualifying overpayments made would be : {$21000.00} ( less {$700.00} ) for an amount currently owed : {$20000.00}. 

Ive been told by Mohela that the qualifying discharge date was in XX/XX/XXXX. Per my XXXX XXXX payment history ( I can send via XXXX, I downloaded by XXXX XXXX payments before they closed my account at transfer time ) I made XXXX payments ( XXXX ) from XX/XX/XXXX through XX/XX/XXXX ( pre-pandemic ) for {$450.00} for a total of {$12000.00}. Then, after the pandemic began, I made XXXX ( XXXX ) total payments that were a combination of {$400.00} ( minimum payment required ) totaling {$8800.00}. 

Ive worked with Mohela customer service on this issue but have been told they are at a standstill from their end and can not escalate further beyond creating a separate Mohela Case, which per my conversation with a Resolution Supervisor XXXX this XXXX  XX/XX/XXXX. XXXX provided me that the Mohela case number is : XXXX and was initiated by Mohela on or about XX/XX/XXXX, XXXX XXXX. 

From my discussions with Mohela customer support in XX/XX/XXXX, I was told that their review of my overpayment concerns was valid, and their assessment matched mine. They stated their appeared to be a mis-crediting of the overpayment balance ( {$21000.00} ) to a past spousal-merger issue ( my spouse, XXXX XXXX XXXX [ XXXX XXXX XXXX and I consolidated our loans with Direct Loans on or about after our marriage in XX/XX/XXXX ). This resulted in the payment from Treasury via paper-check for {$700.00} in approximately XX/XX/XXXX. Someone mistakenly applied the {$21000.00} owed to me as part of my XXXX remainder back against some incorrect analysis of the XXXX XXXXr balances. 

On XX/XX/XXXX I submitted this information to the XXXX XXXX  via their online form and the case # is XXXX. The status is 'in review '. I was able to attach the XXXX XXXX payments download to that complaint. 

I thank you for looking into my file and this issues further, as a career XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am fully available to discuss further via cell ( below ) or email ( below ) and provide any further documentation I can ( sparse given the old sub-contractor used by XXXX XXXX and the lack of legacy documents available directly to me from XXXX XXXX and Mohela, since the discharge of my remaining loans ). 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX Mohela Account Number : XXXX SSN Last XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

This is my 3rd time filing about my account. I am now sending the entire context of my communication " American Express Serve fraud department. ''
Product: Credit reporting or other personal consumer reports

In accordance with fair Credit Reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 I told XXXX, XXXX, and Equifax to investigate 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 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 are not reporting correctly.

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 they person knows or has reasonable cause to believe that the information in inaccurate
Product: Checking or savings account

On XX/XX/XXXX, an unauthorized withdrawal was made from my TD Bank checking account of {$900.00}. On the same day I went to a TD Bank branch to ask about what this transaction was about and how it was made without my knowledge. The manager of the TD Bank told me that someone with my Driver License ID was able to withdraw the money even though they didn't have my bank card. I proceeded to freeze all of my accounts and lock my cards. 
Soon after on the evening of XX/XX/XXXX, I received another call from TD Bank that said the perpetrator that had stolen my identity attempted to withdraw more money from my Checking account from a different branch. Seeing as how my account was already flagged for potential fraud they withheld the ID that the perpetrator used. They told me that the person somehow had a real copy of Driver License card. It seems that my identity was compromised, but I was shocked at how relaxed the verification process at TD Bank was.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, DISCOVER FINANCIAL SER add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.