23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX/XXXX   XXXX {$590.00} XXXX XXXX XXXX   XXXX {$1300.00}
Product: Credit reporting or other personal consumer reports

Ive recently reviewed my credit report and noticed this inaccurate account reporting. Please UPDATE *see attachment*
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  has failed to correct current balance of credit card and line of credit amount is incorrect as well. 

I was told that mine line of credit would be {$XXXX}. It reflects on my credit report as {$XXXX}. The balance is also incorrect and needs to be adjusted
Product: Debt collection

XXXX XXXX, from TRANSWORLD SYSTEMS INCXXXX XXXX XXXX XXXX XXXX XXXX XXXX or you can contact one of our representatives at XXXX is trying to collect a debt on behalf of a contract she did not validate and did not verify or have information from, on XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I was informed by M & T Bank via e-mail on XX/XX/XXXX XXXX XXXX PST that my mortgage now belongs to them effective XX/XX/XXXX and I should have received a welcome packet and information. I attempted to reach them via phone after the e-mail arrived, as no welcome packet ever came. The XXXX XXXX stated that they are attempting to collect a debt, and my home is in default. No one at M & T Bank answered the phone and I wasted hours in an automated XXXX XXXX with these threatening messages. 
I was not properly informed of this change ; being notified via e-mail 4 days before the transfer is not adequate. I have no account number with M & T Bank and no instructions on how to contact them, as they do not answer the phone and have not responded to e-mails. 
I was able to get in contacted with XXXX XXXXXXXX XXXX via telephone today XX/XX/XXXX and requested the payoff information. I do not want my house to end up in foreclosure due to this transfer, and will find a way or obtain a loan to pay off the mortgage. I requested the XXXX XXXXXXXX XXXX  staff member to figure out where this debt is coming from and why M & T Bank is stating my home is in default. She couldn't explain where M & T Bank is collecting their information. The XXXX XXXX XXXX employee stated I received an email informing me of the change on XX/XX/XXXX ; however, that e-mail was not received and no other notifications were provided by XXXX XXXXXXXX XXXX regarding my mortgage transfer. 
M & T Bank needs to do better, sending an e-mail with no account information or appropriate contact number is not acceptable. Homeowners are only left with trying to find away to have their mortgage paid off to prevent their home from going into foreclosure. M & T Bank has failed to provide the adequate resources necessary to continue with the mortgage process. Most likely they are an illegal operation who erroneously collect debts that do not exist, forces defaults, and forecloses on homes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went through a divorce in 2020 and per my divorce decree one of my accounts on my credit was deemed as payable by my ex spouse. So the account stayed in my name but my ex spouse was financially responsible for paying the bill. Of course he was late several times and delinquent. I finally paid the account off to remove it from my credit and improve my credit report. Since removing it from my credit I have disputed with XXXX and XXXX XXXX and they have removed the delinquent remarks from my account since the account has been paid in full. Experian has cancelled multiple disputes because they find the info is correct. I have called XXXX XXXX and they have opened up a case to remove the delinquency but I have gotten nowhere. I am trying to remove the delinquent/late payments remarks on my Experian credit reporting. I do have proof of the divorce decree. Thank you.
Product: Debt collection

I was looking at my Volkswagon statement and I noticed some inaccuracies. I do not believe I owe this debt. 

I sent a debt validation letter to VW Credit pursuant to 12 CFR 1006.34 to validate the alleged debt. 

I am writing to you to document the letter being sent. 

I have attached the debt validation letter, and certified mail number below.
Product: Mortgage

I received a letter in early XX/XX/2023 from my mortgage company Freedom Mortgage about not cashing my escrow refund check yet that they apparently sent out in XXXX or XXXX of 2023 and that they wanted to know why or that I was going to lose out on it. I NEVER received or even knew one was coming. I call the company about it and tell them I never received anything so after some discussion they said they canceled that check and sent another one. A month goes by and I call back and again it is the same thing of " ooo weird I wonder what happened '' and they " cancelled the check and issued a new one ''. This process has been repeated three times now and I still have not received my refund which includes an amount a little over $ XXXX. I asked why it cant just be wired since I can wire them money and they stated " The only exception to wire money is if there are two names on the mortgage and one of them is now deceased making cashing the check impossible ''. So they wont wired the funds, they won't put a tracker on the check in the mail but just keep " sending it out and hoping it makes it but wonder where it goes ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

My informations shows with the company capital one legal action pending even though I have been set up and paying a payment plan for the past year now.
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt know follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of XXXX XXXX  i found XXXX accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 
Account name : XXXX XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Product: Mortgage

I have a home loan with XXXX aka The Money Source, I filed for a modification and it was finalized XXXX of XXXX  I had fell behind on some payments during Covid 19. I had reached out to XXXX and have requested that they remove the late payments due to the Cares Act/Covid 19 due to the hardship going on with the pandemic there should have been no adverse reporting 's on my credit report, TMS refuses to remove the late payments.
Product: Debt collection

Account Information XXXX XXXX I have been in contact with VANCE & HUFFMAN LLC for over a year now via phone, company website and disputes sent via the credit bureau. I have informed them that a company that I previously owned was used to take out several loans using a company that had went out of business and my personal information. The loan that was taken out with taken out with XXXXXXXX XXXX XXXX  used my personal information as a personal guarantor but also someone else information that was not associated with the business nor was a signer on the documents with the state. The only other party who as able to sign or enter any contractual agreements was my spouse who was not listed anywhere on the agreement. The equipment that they are trying to hold me responsible for was shipped to an address where I no longer lived or received mail. The collection agency refusing to look at any documentation original contracts, lease agreements, police reports, business status with the state of GA when the loan documents were created, which all show that the debt is not valid.
Product: Payday loan, title loan, or personal loan

The loan with Mosaic was arranged by a company that installed solar panels on the roof of my home. Payments on the loan began onXX/XX/XXXX21 and are due the first of each month. I track the payments and daily interest in a spreadsheet and an amortization schedule spreadsheet. ( The loan is in my wife 's name but during the call referenced in paragraph 4, she gave permission for me to discuss the account ) In addition to the monthly payments, i made one additional payment in XXXX and two additional payments in XXXX. The effects were expected as the daily interest gradually went down - the differences in the interest and principal from the Mosaic website and my own tracking methods was negligible. 

With the XX/XX/2021 payment, however, the numbers were drastically different. I was expecting about a {$30.00} in interest at about {$4.00} daily interest from a payment that processed XX/XX/XXXX to XX/XX/XXXX. Instead I was charged {$48.00} in interest. 

I did call a customer service number and left my information and a message on the situation - rather than waiting for a response, i called again during business hours. The customer service representative ( XXXX, who was friendly/professional ) noted the current daily finance charge was {$4.00} ( close to what i have in my amortization schedule ) but she said that the interest charged on XX/XX/XXXX was for 11 days. 

By my calculation, XX/XX/XXXX to XX/XX/XXXX is 7 days. I am not sure if it is legal but it would certainly seem unethical to add days to a month. If each month is a set number of days in their calculations it would seem they should have a monthly interest charge rather than their daily finance charge. I am glad I have been tracking the payments and I caught this early in the loan so that ( hopefully ) i can prevent years and years of continued ripoffs by this unscrupulous company. 

The Mosaic rep is running a report to see how the interest was calculated the way it was. 

I encourage the good folks at the CFPB to look into this company to see if there is a history of ripping people off with excessive interest and finance charges. Please do not hesitate to contact me for additional information. 

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

in accordance with the fair credit reporting act XXXXt account # XXXX with XXXX XXXXXXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 a. states i have a 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.
Product: Debt collection

I recieved a notice in the mail dated XX/XX/2019 stating that an application for WAGE GARNISHMENT is being filed against me by XXXX XXXX XXXX XXXX on behalf of CREDIT CORP SOLUTIONS. I have no knowledge of what this is in reference to and I was never given notice to appear in court or that there was a judgement against me.This appears to be very shady and deceptive as the letter is dated  XX/XX/2019 and I recieved it well after that date with notice that if I don't reply within 10 days of the date the court will issue a wage execution against me.There is no mention of what it's for, how much it's for, or no relevant information.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. 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 me 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 reported to be removed.

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. 


XXXX XXXXXXXX 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!

Delete the late payments from my consumer reports
Product: Mortgage

My father passed away in XX/XX/XXXX and I purchased his home from the estate in XX/XX/XXXX. 

During the estate process, the bank, Fifth Third Bank, never sent a bill for the HELOC. Not once. For over two years. There was no bill to indicate this debt existed. 

Fifth Third Bank did not engage with the estate process. Had they engaged with the estate process, we would have known this debt existed. 

Fifth Third Bank also made a mistake on the mortgage document and the mortgage modification agreement. They listed the incorrect property on the front page but got the legal description right on the addendum. 

Before I purchased the property, I called the recorder 's office to see if there was a mortgage on the property. They said no, because they only looked at the front page. Had Fifth Third Bank gotten the correct property address on the front page of their mortgage agreement, we would have known the debt existed. 

So I purchased the property for cash and then the bank sued for foreclosure. I did not get title insurance on the property because my father owned it for over 50 years. 

The bank 's attorney says the three mistakes made by the bank are irrelevant because they got the legal description right on the addendum. They intend to take the property in foreclosure.
Product: Mortgage

I have an adjustable rate mortgage with Wells Fargo Home Mortgage. 
This year when the loan re-adjusted the principal balance used to determine the following years payments was incorrect. I have tried to resolve this with " The Bank '' to no avail. 
This has occurred at every re-adjustment period and when brought to " The Bank 's '' attention it has always been corrected in the past.
Product: Mortgage

Nationstar was sending excessive amounts of marketing materials, sometimes 2 a day, to my home address. On XXXX/XXXX/2016 I called requesting to opt out of all marketing materials, but asked to still receive account servicing updates Agent XXXX assured me she updated my status. To my surprise, I received a letter dated XXXX/XXXX/2016 stating that my account had been put into a 'Cease & Desist ' status and I would no longer receive ANY updates regarding the status of my loan. On XXXX/XXXX/16 I called Nationstar to bring this error to their attention and requested the issue be corrected. Agent XXXX advised he was unable to update the status of my account and directed me to write a letter asking for the Cease & Desist to be lifted. I asked for the call to be escalated to a supervisor, which it was I advised of my intent to file a CFPB compliant on their practice and requested my account be corrected. Agent XXXX reassured me she would personally update the status of my account without the need for a letter, and would contact me within 24-48 hours to advise on the status of the account. The duration of this XXXX/XXXX/2016 phone call was 27min29sec.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$990.00} XXXX  XXXX Balance : {$1300.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I received an email from National Recovery Agency stating that my alleged account had been purchased by XXXX XXXX XXXX XXXX. The email stated that in order to dispute the alleged debt I would need to call or write by XX/XX/year> and that if/ when received by said date they ( NRA ) must stop collection until they sent to me validation of the alleged debt. 
I chose to write electronically through email on XX/XX/year>, citing the Fair Debt Collection Practices Act, 15 U.S.C 1692 G - kindly requesting that they provide detailed evidence of the alleged debt. 
Though Ive yet to receive any form of evidence/ validation of this alleged debt, National Recovery Agency has proceeded to report it to all three of the nationwide credit bureaus ( XXXX XXXX XXXX XXXX XXXX ). Henceforth, violating the FCRA, as well as the FDCPA. Consequently, causing my credit score to drop by XXXX points! Hindering me from obtaining a mortgage! Ive never even missed or had a late payment on any of my past/ current accounts.
Product: Credit reporting or other personal consumer reports

My credit card lender is XXXX  XXXX on XX/XX/XXXX I checked my credit score with Experian and found out that my lender had took my credit card account off my report to them upon me contacting Experian I found out that I had mistakenly filed a dispute with them and they said that my XXXX  XXXX card was no longer on their report. Upon finding out I reached out to my lender and explained to them that I am a handicapped person thats physically challenged and its hard for me to get around and that I needed my account info with my credit history reported do to the fact I was going to purchase a handicapped vechile because I needed my good credit score which was no longer on my report my lender kept telling the only way I can file a dispute is to write them and mail them info I explained to them my various XXXX and they still insist that I do so Afther calling my lender about 5 times Afther explaining to them that even win I have to apply for social security and anything else to my XXXX its done over the phone I had given them all my account info answered all security questions anything they need to know so finally I got them to file a dispute but thats takes 30 days or so I asked them do to my XXXX could it be any way they could send my old open account back to Experian so that I can get my credit score back that was taken off. Upon me going back and for with Experian 5 times or they told that it was a mistake about the account being taken ok my report and to contact XXXX XXXX which I did the dates were XX/XX/XXXX and the XXXXXXXX XXXX XXXX  when I found out my credit score was gone off my report. I think that the companies should have some type policys implemented to assist people with XXXX
Product: Mortgage

Company : Leader One Financial [ Mortgage Company ] Location : XXXX, Texas On Tuesday, XX/XX/2019, I received an email from XXXX XXXX asking if I found a home in the XXXX, Texas XXXX over the weekend. I informed XXXX that I found a home and that I am currently under contract at this time. XXXX called my realtor and got into an argument with her, because he felt that she should have provided him with the information about the terms of the loan and that she ( realtor ) should convince me give him the opportunity to match/beat the loan. XXXX began to argue with the realtor and when things did not go his way, he hung the phone up on her. I ( consumer ) received an email from XXXX asking for the opportunity to beat the loan. My realtor notified me about the incident that took place between XXXX and her ; which made me upset and I did not want to do business with this firm anymore. 

On Wednesday, XX/XX/2019, I received a call from XXXX XXXX ( employee at Leader One )  about the incident. XXXX XXXX tried to persuade me to provide him with the information about the loan, which I did not have that information in my possession at that time due to being busy with other events. XXXX suggested that I find that information and provide it to him, so that he could match the deal. After our call, I received a second call from XXXX XXXX on the same day regarding this information, however, his tone was abrasive, aggressive and demanding. XXXX XXXX began screaming and yelling at me, because I had not provided him with the information that he requested two hours prior. He kept screaming : you have not gave us the opportunity to match the loan. I had not raised my voice at XXXX XXXX at anytime ; but he felt that he could use his position, XXXX ( male ), ethnicity ( XXXX American ) and age to intimidate me. I was not moved and was firm about my decision. XXXX XXXX tried to use reverse psychology on me, which did not work since I have a degree in this field of study and I informed him of this matter. XXXX XXXX began to yell : I am done with you. I have done everything to try to help you. I am done with you. I explained to XXXX XXXX that he has done nothing for me and that I have done everything on my own to get myself into position to receive a mortgage. 

After our conversation, I contacted the corporate office and spoke to XXXX ( I did not get his last name ) about the incident. XXXX listened to my concerns, but seemed to take stand in position with his staff and justify their behavior. Although he informed me that he would speak to his staff about this matter, I was not convinced that he took this matter seriously. For all of the reason stated above, I am filing this complaint to notify government officials about this matter and stop this from happening to anyone trying to obtain a mortgage loan from this firm.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase bank filed 1099c that does not show the breakdown of the amounts for debt cancelled- principal versus interest. It is important to breakdown the total into these two categories as not all amounts are taxable. Looking at the way Chase Bank filed 1099 C with no breakdown for principal and interest all amounts are taxable. It is wrong to list the amounts as they did on 1099C as a lot of it is due to interest. This must be reflected on 1099c form. 

I attempted previously to show the shortcomings of their reporting practices and expect the final 1099C to be indeed the most correct 1099c per current regulations.