23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have contacted source receivable management in XXXX of XX/XX/XXXX to request verification of the debt with them. It is illegal for XXXX to sell my information to XXXX XXXX debt collector. They can not then collect from the consumer as they can not produce a signed contract binding me to pay the debt. They also are not listed on the original contract from XXXX. This company has said that they have sent out multiple verification and letter to settle but I have received nothing. When I called they refused to confirm what information they had on file. They are blatantly violating my consumer rights and they nor the credit bureaus refuse to cooperate with me under consumer law. Trying to force me to adhere to their policies over my rights. This collection needs to be removed as this is inaccurate information and they did not have my permission to report on my credit profile.
Product: Mortgage

A Frustrating Journey with Lennar XXXX XXXX : An Investor 's Nightmare On XX/XX/XXXX, my journey began with high hopes as I visited Lennar XXXX XXXX in XXXX, TX, alongside my realtor, XXXX XXXX, to explore their investor-eligible properties. I selected a promising four-bedroom home at XXXX XXXX XXXX XXXX only to embark on a convoluted and stressful process riddled with miscommunication, shifting terms, and unmet promises. 

From the outset, Lennar 's strict policy to use their preferred mortgage lender, Lennar Mortgage, presented hurdles. Although I provided all the requested documents promptly, and assurances were given that my loan was preapproved, red flags appeared when clarity on closing costs and loan approvals remained elusive. Urged to send a {$10000.00} earnest money deposit under tight deadlines and with vague guarantees, I complied, trusting the assurances of the Lennar new home consultant.

Despite initial optimism, issues cascaded rapidly. A change in my employmentopenly disclosed to XXXX XXXX, Lennar 's loan officerdisqualified me from the original loan. Subsequent attempts to secure financing through other preferred lenders, such as XXXX XXXX XXXX and XXXX XXXX Mortgage, proved equally futile due to Lennar 's misrepresented rental income estimates. Each step involved additional costs, including credit checks and inspection fees, yet failed to yield a viable solution. 

What began as an investment opportunity spiraled into a logistical nightmare. Despite my willingness to adapt and even consider alternative properties, Lennars management and their partners inability to resolve appraisal discrepancies left me stranded. Promises to refund or transfer the earnest money evaporated, with Lennar citing inflexible policies despite the clear issues originating from their appraised rental comps.

This process has left me frustrated and questioning Lennars ethics. My earnest money remains unreturned despite my adherence to every requirement, while the apparent gaps in Lennar Mortgages approval processes and restrictive lender policies have made this experience untenable. Filing a formal complaint with the CFPB seems like my only remaining recourse to seek justice.

Lennars reputation and commitment to customer service are severely undermined by their handling of this situation. A process meant to secure a dream home turned into a disheartening ordealone I hope no other buyer has to endure *Please refer to the attached five-page document for detailed information regarding the parties involved, conversations, processes, and corresponding dates and times.
Product: Student loan

Please read all the way to the end. This is a continuation of a problem and I called in about my concerns. 
My wife and I applied for loans on XX/XX/XXXX with Climb Credit. They approved my wife and had her co-sign on my loan for approval.We started at our XXXX school ... XXXX on XX/XX/XXXX, and right away we knew they did not live by their motto. They said they would be with us every step of the way. We contacted Climb to ask about switching schools, switching classes, starting over etc ... any possibilities because we left our jobs and took out 30k in loans. They said they would get back to us the next day ... we never heard back from them. I sent a couple emails out asking about the possibilities and never heard anything until XX/XX/XXXX when an email was received that we had been withdrawn. I immediately called and no one could help right away. The fact is we never withdrew ... We never signed any papers stating we wanted to withdraw .... They never spoke with XXXX..EVER ... they took a payment that should not have been withdrawn from our bank account. XXXX XXXX said they initiated the withdrawal until we mentioned CFPB and attorney and they quickly stated Climb initiated it. We are filing a separate order against XXXX XXXX. They lied and said because of attendance. We missed 2 days at the time they initiated the withdrawal. We left our jobs, we have lost wages, maxed our credit cards so we can try to maintain our dream of schooling, and now we are expected to pay Climb back for the portion Climb took out of the loan .... No one has ever heard of a school withdrawing anyone on someone else 's word. 
Since that time XXXX XXXX paid back most of loan. There is a bigger issue. This goes to Identity theft and wire fraud. We have been in constant contact with XXXX and XXXX. XXXX XXXX XXXX, VP of XXXX ( XXXX ) XX/XX/XXXX took this fiasco on personally. XXXX XXXX looked over the paperwork we sent and agreed there were XXXX loans taken out on XXXX students. Climb some how attached themselves to XXXX and they are NOT associated. Then on XX/XX/XXXX there was a new account on XXXX credit from Climb. How is that possible? We were withdrawn on XX/XX/XXXX? XXXX says they are up to date on the loan so how is it possible we had a loan also with Climb? XXXX loan was closed XX/XX/2017 with XXXX and just confirmed that again today ( XX/XX/2017 ). Where is the money, why were we not notified about the third loan, and who authorized the loan? Why is Climb still pulling hard inquiries and what is the reason they defaulted a loan we do not have? Why are they dealing with us as if they are XXXX? This is serious and we are pursuing this to the end.
Product: Debt collection

I have asked for this company to validate debt with my signature on a legally binding contract between their company and me. They have failed to provide me with this information. I spoke to them on the phone on a recorded line and they said they do not have that info. Since they do not have that I do not owe a dime to this company. With this being said they are fraudulently reporting to the credit Bureau. 

I also requested the name, number, and any other contact info of the person who " validated '' that I owe this debt. This information has not been received or provided in their responses.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, ca XXXX I am not liable for this debt with FITNESS XXXX XXXX personal Services ), I do not have a contract with ALDOUS AND ASSOCIATES , They did not provide me with the original contract as I requested. ALDOUS AND ASSOCIATES called me and said I have to pay that debt i told them that I refuse to pay because I am not responsible for this debt, i also told them to send me the original contract with my signature on the original contract that I signed but until ALDOUS AND ASSOCIATES proved me with the original contract they have to remove asap from my credit reports. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Credit reporting or other personal consumer reports

Equifax Information Services, LLC. 
XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax Credit Bureau Executives, I am letting you know about an issue I have noticed in my credit report. Unfortunately, I have been a victim of identity theft and fraud, and as a result, I have been involved in three data breaches so far. I have been working with your team and other organizations to rectify my credit reports and other information. However, I have recently noticed that the fraudulent account belonging to XXXX XXXX XXXX XXXX has reappeared on my credit report, even though it was previously removed. 

I want to emphasize that this account and balance do not belong to me, and I have already taken the necessary steps to remove them from my credit report. I would appreciate it if you addressed this issue as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX From : XXXX XXXX XXXX Sent : Monday, XX/XX/2024 XXXX XXXX  To : XXXX XXXX XXXX Subject : XXXX Sent from my XXXX
Product: Credit reporting or other personal consumer reports

I am asserting my right to have this investigated, as these accounts are being incorrectly reported on my credit file. According to the Fair Credit Report Act, I am entitled to {$1000.00} for each erroneous report on my credit file. I understand that FCRA 605B mandates us to report any incorrect accounts appearing on a consumer 's report.
Product: Credit reporting or other personal consumer reports

I have been contacting XXXX about a loan that has appeared on my credit report. I have sent in documentation about this account not belonging to me. My account was hacked and information was breached which caused a loan to be opened in my name. I have filed an Identity Theft report and also sent it in the CEO and customer service several times. I was told that it would be removed off my credit report within XXXX  days and it is still there. I asked for all documentation from this company to see who obtained the loan. While analyzing the loan, there were no physical signatures on the application. There was a breach in the contract under the truth-in lending law which was also addressed. A fake drivers license was provided and an incorrect address was also provided from this company. I have mailed in certified receipts with signature returns requested. It is now going on XXXX  years and this same car is on my credit which has now gone into a repossession. This account has been illegally been reporting on my credit since XXXX. XXXX has intentionally ignored my requests and has not been in communication with me every since they told me that it would be off my credit in XXXX. I also have sent in documents to XXXX, Equifax and XXXX. They also have a copy of my FTC report
Product: Credit reporting or other personal consumer reports

Please delete all fraudulent accounts off my credit file from XXXX XXXX and Trans Union immediately. 

XXXX XXXX XXXX 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: Bank account or service

I have Had an business account with Bank of America for just about and year now. 
XX/XX/2016 around XX/XX/XXXX - XX/XX/XXXX My account was a target of Fraud. 
With that being said, they did follow threw with making the claim.But, On the date of XXXX/XXXX/2016 Bank of America did and unauthorized with draw from My account in the amount of $ -XXXX as well as $ -XXXX. 
for a total of XXXX. Dur-ring this time I was in the process of moving my funds to another bank because this was the 2nd time this has happen to my account. Bank of America could n't provide reason as to why this happened to my account. On top of all of this slapped me with an XXXX overdraft fee and the rest of the amount that was over drawn from the account. as you take a look at the amount you may see it had and small amount but it my small amount and it was taken from me with out an lettered statement telling me the process date the amount and a reason why. I had to wake up and text message an Email tell me my account has been overdrawn. Bank of America rep stated to me after ( we dont have to sent statement out to you it our account, ( " Yea, But its My money!! '' ) An I would like it all place back on my account. I would consider it stolen as we speak. ( NONE, of Bank of America starter account paper work stated " we dont have to sent statement out to you if we take money out your account. ) I only speak/s of and overdraft fee. with this in mind, I would like the rest of the funds, that was taken out My account sent to me in a check. Its Only right!
Product: Vehicle loan or lease

I cosigned on an auto loan. My son is not able to pay the loan. I decided to pay the loan off in full. When inquiring about the pay off amount and asking to have the Title to be sent to my address, I found out that Wells Fargo had never received the Title. I was not listed on the title and Wells Fargo is not listed on the Title as Lien Holder. This was XXXX of 2017. I asked the costumer service representative why I was not notified of this. She said that she needed to verify my personal information. Evidently, when I filled out the application my name was already in their system and Wells Fargo pulled my old information from their system and put it as my current information. I was never notified that there was a problem with the Title. I also found out that the percentage rate was changed from 12 % which was extremely high already to 17.99 %. In my paperwork it states the dealer, XXXX XXXX will complete title transfer and registration of ownership to the above names, XXXX XXXXXXXX XXXX and XXXX XXXX XXXX and Register the lien holder on the title as Wells Fargo Bank. Apparently none of this was done. I had no idea until I called to pay off the loan. I would have taken care of this if I knew that this problem existed ... I have called Wells Fargo since XX/XX/XXXX trying to get some answers. I have left multiple messages, been assigned to multiple supervisors, who have never contacted me by phone only by mail, stating basically, it 's not there problem!! I have tried to get answers and no one will help me. I spoke to my attorney and she said to stop paying the payment and if that does n't get their attention then contact the Attorney General. I have paid {$8400.00} on the loan for XXXX. they say I owe {$9400.00}. I feel {$5000.00} is a fair number to pay them. They have ignored my calls for the last 6 months. They basically will not acknowledge that they did anything wrong. That it 's my problem that they did n't do their part to secure this car loan. I hope there is some way that you can help me. I have hard copies of documents if you need me to send them to you. I am unable to attach them by my computer. Thank you. XXXX Here are some of the names that were assigned to my account. XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX ... Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

After the mortgage account transferred from XXXX Mortgage to XXXX, my payments were set up on a bi-weekly schedule and XXXX 's automated system was incorrectly applying the automatic payments made from my bank to principal, instead of regularly scheduled XXXX XXXX XXXX payments. I made several calls to XXXX requesting correction, in fact in 2019, I had to make these calls every month and they were still unable to correct mis-application of my payments until two " missing '' payments were reported to the credit bureaus. After numerous requests to correct this issue and XXXX representatives ' admission this was a systematic error, my credit report still shows payments made on time that were misapplied as " missing '' payments. Please help addressing this issue, as it is the ONLY negative mark on my extensive credit history in the past 30+ years.
Product: Payday loan, title loan, personal loan, or advance loan

I went to pay my amount online and Republic Finance had added an additional {$30.00} to my payment. They have tried to add an additional {$55.00} in the past for a letter they had an attorney send to me but refuse to pay because that amount is not apart of the original contract. Now it went from {$200.00} to XXXX. ( my original payment is {$140.00} so dont know where the {$200.00} came from ) This company needs to be banned from the state of Ohio . Its predatory. They consistently add fees to peoples accounts which is illegal unless its a late fee then that would be an additional {$15.00}.
Product: Credit card

Each month I pay at least {$50.00} more towards my bill. I noticed that I am not only paying interest of XXXX or more a month but also what I was told was a payment card security fees which fluctuates. Each month that charge is also more than {$100.00} dollars. After making a {$300.00} payment XXXX went towards interest and XXXX went to this card security fee I know nothing about. Only XXXX went towards the {$7600.00} or so balance on my Care Credit Card. This is unrealistic. This company is taking advantage of individuals that need medical attention and under duress for medical services they are offering Care Credit Cards with un-disclosed fees attached.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed that there was fradulent accounts on my report.
Product: Debt collection

A predatory lender, XXXX, showed up on my credit report as being in collections. They apparently sold the debt to DRS who has my phone number because they have tried calling me and have sent one text offering to settle for half of the amount XXXX and DRS claims is owed. 

I've never taken out a personal loan in my life, I've never applied for a loan with XXXX, I never received any paper bill or statement, no email, or phone call for this loan, and never received any money from XXXX. This is fraudulent and has functionally turned into extortion with a debt collector reporting me to credit bureaus and demanding repayment. 

The credit bureaus, and others, would like supporting documentation which is impossible for me to provide since I never applied for this loan, never received any money, and never had this listed on my credit before DRS reported this as being in default. So no documentation exists. Someone used my identity to get money and now I'm stuck with trying to clear it.
Product: Debt collection

XXXX XXXX  XXXX. dba XXXX with no ownership sold my property to HSBC BANK USA , National Association as Trustee for XXXX XXXX XXXX  XXXX , XXXX, Mortgage Pass-Through Certificates, XXXX XXXX XXXX. 
Next they got XXXX, XXXX, XXXX, XXXX and XXXX XXXX involved, and now HSBC BANK USA , National Association as Trustee for XXXX XXXX XXXX  XXXX , XXXX owns my home. 
Next they are trying to evict me. I am XXXX years old, with XXXX XXXX XXXX and XXXX XXXX. 
I am trying to avoid catching the Corona Virus. I like to get a stay from Court hearings till XX/XX/2021 to avoid exposure to this Virus.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of XXXX and XXXX XXXX, Innovis have been reporting fraudulent and inaccurate information on my consumer report. Not only are they reporting inconsistent and incorrect late payments, but they are also reporting data that should not legally be included in my file under federal law. 

This fluctuation in reported late payments is factually incorrect and a clear violation of the Fair Credit Reporting Act ( XXXX ) XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), which explicitly states that furnishers must report accurate information and must not report information they know to be erroneous. 

Legal Basis for My Dispute : XXXX XXXX. XXXX - Definition of a Consumer Report Nowhere in this statute does it state that late payments should be included in a consumer report. Late payments are transactional experiences between a consumer and a lender and are not legally reportable events under this definition. 

XXXX XXXX. XXXX - Responsibilities of XXXX XXXX This XXXX makes it illegal to report information that is knowingly inaccurate. Your inconsistent reporting proves that the information being furnished is unreliable, making it a clear FCRA violation. 

XXXX XXXX. XXXX ( XXXX ) ( A ) ( i ) - Exclusion of Transactional Information This law explicitly states that consumer reports should not include transactional data or experiences between a consumer and a lender. Late payments fall under this category and, therefore, should not be reported at all. 

Requested Action : Immediately remove the inaccurate late payment entries from my consumer report. 

XXXX a full investigation and provide proof of the accuracy of the reported information or delete it entirely. 

Confirm in writing that these corrections have been made within 30 days, as required by XXXX law.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies are negatively impacting our credit scores, if we win a dispute against a credit company. I won a dispute against XXXX XXXX, after it was proven that they cheated & defrauded me. The account shows as Legally Paid in Full. Yet, the credit reporting agencies insist on making ME wear the Scarlet Letter for 7 years! <P/>The credit reporting agencies instructed me to contact the company to ask that they send a correction. XXXX will not help me! I proved them to be cheats & liars! They are laughing at the fact that the credit reporting agencies are helping them to XXXX me, by rubbing salt in my wounds! <P/>It is not fair, that I fight against someone trying to XXXX me over, I win, I prove them cheats & liars, and my reward? I am forced to carry the dreaded SERIOUS DELINQUENCY on my credit record for 7 years! How is that fair? I was a victim, and now, I am a victim again! For 7 years, I am a deadbeat, because I refused to allow someone else to cheat me??
<P/>I just finished a call with XXXX. They insist on keeping the bad mark against me, even though they know all the material facts, that I had won a dispute against a company trying to cheat me. They insist on making me pay the price for something I did nothing to deserve. This is just wrong.
Product: Student loan

The loans began in XX/XX/XXXX, they are parent loans for my daughter at XXXX XXXX, and a few for my son at XXXX, Daughter graduated in XX/XX/XXXX, my son XX/XX/XXXX, both are now XXXX, My last loan was in XX/XX/XXXX, all have been consolidated into one. Since XX/XX/XXXX, I have begged for lower payments. I show I borrowed about $ 60K, I have paid back $ XXXX, and it shows I owe $ XXXX.
Each time I asked for a payment I could make, I got a forebearnce, at the time it was a relief, I now understand how bad that was, also, as a veteran, the SCRA says under 6 %.
I have written, talked to, emailed all the lenders involoved : XXXX, XXXX, XXXX, XXXX, XXXX and Navient- and I get no answers, I can not get a copy of loans, consolidations, I really do not know how much was borrowed.
Now, XXXX as the loan, and it just the same. At XXXX years of age, it will be soon when I ca n't pay anything, but, I would like to try and pay what I owe, however, the interest they say is crazy, going back to XX/XX/XXXX, it should have been adjusted and never allowed to get where it is now.
Product: Credit reporting or other personal consumer reports

Self credit card was closed and paid off. Deposit was credited to account. They are charging me a late fee for a LATE FEE Balance.