23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

FORMAL COMPLAINT AGAINST WELLS FARGO MORTGAGE CO. 
To : Wells Fargo Mortgage Mortgage payments misappropriation XX/XX/2020 RE : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX FL Account # XXXX XXXX - Cell : XXXX I am XXXX XXXX with the Mortgage Account # XXXX! This letter is a formal complaint against Wells Fargo Mortgage Co. for funds misappropriation in order to gain and maximize more interests on the mortgage loan. Wells Fargo Mortgage has defrauded me by programming and setting computing system to collect more interest by forwarded payments to regular future regular monthly payments. I am requested that all payments be applied retroactively as per our agreement, payment MUST BE APPLIED TO THAT MONT IT WAS COLLECTED, NOT FUTERE PAYMENTS with interest and principal adjustment. 
Such practice might have victimized and defrauded a lot of mortgagees. This might be considered as Wire Fraud also. This willful calculated act of defrauding can not continue. Also, there must be a penalty associated with such a fraud. In light of past violations, and consent to cease illegal practices, Wells Fargo Mortgage has been defrauding mortgages blind folded. 
Over the years, I called Wells Fargo Mortgage Customer Service about how my payment has been applied forward to the next months illegally, and in violation of our agreement. I had requested again for a full retroactive interest and principal payments adjustment for the life of my mortgage with Wells Fargo Mortgage. 
Our agreement is to apply the first payment on the first of each month as the regular payment of interest and principal for that specific month with the extra dollars going to the principal. The second payment on the XX/XX/XXXX of every month must go on the principal ONLY! However, Wells Fargo Mortgage has been violating that agreement constantly intentionally to gain more interest payments. For instance, my XX/XX/XXXX pay may was set for XXXX. The XX/XX/XXXX payment was set for XXXX and so on. 
Wells Fargo has been applying the first payment one or two month forward! Hence, over times, my payment is being held hostage! The internal structure of my payment set by Wells Fargo is illegally held back in order to collect more interest. I have called Wells Fargo many times over the years, this violation of trust and voodoo accounting, and they have reassured me that issue will be corrected. However, they are still practicing such illegal accounting. 
I am requesting a full audit of my account, with a retroactive interest and principal payment. All payments that have been forwarded to future months must be adjusted and credited appropriately as per the agreement that each month payment is applied to that month. Furthermore, Wells Fargo MUST cease such practice. 
I still retain the legal options to file Federal and State complaints against Wells Fargo for illegal accounting. Furthermore, all legal actions might be considered for aggravated intend to defraud. 

I can be reached at XXXX Please be mindful that all legal options are still there. My next step is up to Wells Fargo! 
Thank you, XXXX XXXX
Product: Debt collection

The following company sent the Credit Bureaus derogatory marks and said I had alleged Debt. Once investigated and sent a copy of the application by XXXX  after several disputes. On the application ( 1 ) I noticed the person did not sign my name, ( 2 ) The attempt to sign my name does not have the letters in my name ( 3 ) The wrong address. I have attached a copy of this page. This was not legal or verified thoroughly. Please remove from my credit the following company below. 

XXXX  Account # XXXX CFPB Write up In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit card or prepaid card

Hello. I have an Avant XXXX that was completely paid off. From the dates of XXXX, {$630.00} was charged to my Avant XXXX to XXXX without my consent. These are all fraudulent charges. There are several issues I have with this. 
1. ) Why was I not alerted to suspicious activity? I only found out when my statement arrived in the mail.

2. ) I immediately called Avant XXXX when I received the statement to shut my old card down and dispute charges. I was told that day that it would take 14-21 days before a representative could call me back to discuss charges. Then, it would take 1-3 months after my dispute to receive resolution. 
3. ) I was also told by the company that I needed to pay the minimum balance until this dispute was resolved, or Avant would report my card as 30 days overdue.
Product: Credit reporting or other personal consumer reports

I have taken the necessary steps to address the inaccuracies on my credit report by instructing Experian, XXXX, and XXXX to reinvestigate specific accounts that have raised concerns due to their inaccuracies and errors. The accounts I've requested reinvestigation for are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite these concerns, all three credit reporting agencies have asserted that everything is complete and accurate, even though clear inaccuracies persist. This response is in direct violation of the mandate outlined in 15 U.S.C. 1681i ( 5 ), which obligates these agencies to remove or modify accounts that are not reporting correctly. 
Furthermore, it is crucial to emphasize the importance of 15 U.S.C. 1681s-2 ( A ) ( 1 ), which explicitly prohibits the furnishing of inaccurate consumer information to any consumer reporting agency. It is evident that these agencies have not complied with this critical provision. 
I possess compelling evidence supporting my claims of credit reporting violations and, as a result, have submitted this formal complaint to the Consumer Financial Protection Bureau. My primary objective is to secure a resolution that ensures the accurate reporting of my credit information, in alignment with federal laws and guidelines, while holding the credit reporting agencies accountable for their non-compliance.
Product: Debt collection

Call from Navient. Called me 4 times on XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from phone number ( XXXX ) XXXX.
Product: Credit reporting or other personal consumer reports

I have been disputing with XXXX, Experian, XXXX and other creditors since XX/XX/2023 and I have not been able to get them to comply with my disputes. I disputed my personal information, late payments, collections, derogatory marks and accounts that have been charged off. Which are all inaccurate, misleading and misreporting on my consumer report. This is also against my rights as a consumer. They never asked for my permission to report all these things in writing nor verbally. On XX/XX/2023 I found out my information was breeched! I am very upset, disappointed and I demand a remedy! I have spent numerous amounts of monies and time disputing these misleading, misreporting and inaccurate information on my consumer report. 

This is messing with my mode of living, my general reputation and my children 's future as well. THESE CORPORATIONS AND FINANCIAL INSTITUTIONS ARE IN CLEAR VIOLATION OF CONGRESS FEDERAL LAWS. I want any and all negative items ; Old/outdated addresses, late payments, collections and inquires, reporting on my XXXX consumer reported DELTED immediately. In addition, I am requesting a compensation amount of {$5000.00} because my information was breeched! If needed I will take legal actions necessary to heal the damages done to me by XXXX, Experian, XXXX and the other creditors ( Financial Institutions ).

I have also sent a copy of my consumer reports with every single inaccuracy, misleading and misreporting account highlighted in either pink or orange specifying every single error in my consumer report. 

IF NEEDED I WILL TAKE LEGAL ACTIONS NECESSARY TO HEAL THE DAMAGES DONE TO ME BY XXXX, EXPERIAN, XXXX AND OTHER CREDITORS ( FINANCIAL INSTITUTIONS ) FOR USING, SHARING, BUYING, SELLING, TRADING AND ALSO FOR FAILLING TO PROTECT MY NONPUBLIC PERSONAL INFORMATION ( 15 USC & 6801 ).
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX XXXX XXXX THIS ACCOUNT DOES NOT BELONG TO ME. I WOULD LIKE FOR THIS TO BE REMOVED FROM MY CREDIT REPORT.
Product: Debt collection

Report # XXXXRecently I mailed a letter requesting verification of inaccurate accounts reporting on my credit report that your bureau maintains on XX/XX/year>XXXX  I received a response stating that the accounts were verified on XX/XX/year>. I'm formally requesting a description of the procedure your bureau used in providing all information to the original creditors in processing my dispute under FCRA 611 ( a ) ( 7 ). 
To be clear, per FCRA 611 ( a ) ( 2 ) ( b ). Your agency is required to forward all relevant information to the original creditors to ensure a proper investigation of my dispute.im requesting you provide me all information used for your investigation, as required by FCRA 611 ( a ) ( 7 ) 1. XXXX XXXX  act # XXXX {$810.00} XXXX Act # XXXX {$810.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per FCRA you are required to provide me this information within 15 days or delete the information
Product: Debt collection

On or around XX/XX/XXXXI received a letter in the mail dated XX/XX/XXXX. This is the first and only communication received from Cooling and Winter. No follow up letters or phone calls. 

I made contact with XXXX in order to set up payment arrangements, before I would be sued. However, I found out during that conversation that a lawsuit had already been filed. However I proceeded to set up an arrangement in the amount of {$50.00} a month for however long it took to pay off XXXX in debt as a means to resolve the referenced account and that they would be willing to partake in a consent order as a means of negotiating. During which I was instructed to not make a payment on the account until I receive forms to sign showing a contracted agreement. 

All of which brings me back to the letter. I had not received a phone call or letter from XX/XX/XXXXto present regarding the matter. Which means I had no time to respond. 

To which the letter indicated that no attorney at the time had evaluated or revised the circumstances of my account. 

Today XX/XX/XXXX, I received a phone call from my wife who took it upon herself to call to try to negotiate with XXXX. 
No permission was given to Cooling & Winter to speak to her regarding my account. My wife indicated to me that not only did he provide information regarding this debt, but that a lawsuit was being processed, that an arrangement was set up and the amount. He also gave her information as to how much was owed. She was trying to negotiate the account without my permission in trying to help. 

During said conversation, XXXX informed her of information regarding the consent order and payment information that O myself was not aware of because he failed to contact me. 

While my wife is aware of the money that goes in and out of my account we handle things of this nature separately. And frankly I dont appreciate my information being shared without my explicit written or verbal permission. 

Mind you since XX/XX/XXXXI have called and left messages regarding ng je paperwork XXXX was fo send for signing and never received communication.
Product: Money transfer, virtual currency, or money service

My account was deactivated by square a few months ago, and I have yet to receive proceeds from the sales that were processed prior to deactivation. Ive messaged them and no one has yet to resolve the issue! The funds have been held longer than XXXX days in the amount of {$700.00} ( {$670.00} ) after fees! I just need the money transferred to my account
Product: Mortgage

I was approved for a modification on XX/XX/XXXX. The modification that I agreed to and signed before a notary stated that under the agreement the loan would be reduced in three equal installments of {$76000.00} with a final installment of {$28000.00} due on and payable on XX/XX/XXXX. The mortgage payments were made and time and Ocwen failed their terms of the modification. The loan balances should be {$140000.00} 1st/ {$580000.00} 2nd balloon payment. The current pay-off amounts are {$130000.00} 1st/ {$250000.00} 2nd I have called Ocwen numerous times and I am told they are able to  make changes to the agreement with my signature or consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I directly contacted NCB MANAGEMENT SERVICES, INC. Through priority mail to validate a debt according to CFPB XXXX Notice for validation of debts. The company failed to validate the debt within the 30 day period of my request. The debt is not valid. I have attached a copy of the letter mailed to them along with the proof of my Identity I mailed to them as well.
Product: Debt collection

Credit history showing {$100.00} medical debt which is not mine. I pay my medical copay by debit or check on day of appointment. I am requesting more information on this due amount. 

I also do not use the name of XXXX XXXX XXXX and I have never resided at : XXXX XXXX XXXX XXXX, NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. You are reporting a different information from other bureaus. This account is only reporting in your bureau. If your record keeping had been accurate, this account should have never been erroneously reported. Per FCRA, reporting of account information must be accurate ; I need this account updated immediately : XXXX  XXXX Balance Owed : {$3800.00} XXXX XXXX Balance Owed : {$13000.00} XXXX  XXXX Balance Owed : {$720.00}. Please provide documentation that these accounts belongs on my credit report and that my rights have not been abrogated. Otherwise fix this damaging data immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against EXPERIAN, XXXX XXXX and XXXX, after review of my credit report, they shows that a delinquent account, the one with XXXX XXXX XXXX.

This account was hacked and a balance above and beyond my credit limit was permitted by XXXX XXXX.

In spite of many calls and letter review, XXXX XXXX still reporting delinquency of an account and has not clear it. I disputed this reporting with all 3 credit bureau and they still reporting it. This situation has become a nightmare because i am being deny credit by most company and this is the only thing negative in my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  According to FCRA 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. This account is inaccurate information on my credit report that needs to be removed.
Product: Credit reporting or other personal consumer reports

The company is reporting fraudulent inaccurate information on my credit report. This account shows up as a charge off. I never received a XXXX cancellation of debt form after I requested the XXXX form XXXX  times.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Mortgage

I was behind on my mortgage due to financial struggles in my small business.   in   XXXX   XXXX   started to try to work with bank of America to file for a hardship loan. the process was starting out ok but as the process continued time had pasted with no feedback.So I contacted them to find out they wanted more info from me. Which I provided. never contacted me by phone again finally get a letter stating if I do n't contact them soon the forecloser process will continue and I will loose my  home.Contacted t hem again gave them more info they needed still no call back.I called about  XX/XX/XXXX  they again want more info and had questions.   At this point I 'm very concerned I 'm going to loose my home. I run my own small business and do n't have time to keep following up on something they should be following up on.   Please help me stay in my home and get my mortgage back up to date.   At this time my loan has now gone in default 8 months because bank Of America told me " not to make payments they will not be applied to my loan '' This similar experience happened in  XXXX  when Bank Of America " without my consent '' payed  2  past years and escowed 1 year of taxes then wanted all the money back. So to resolve it I had to put my home into foreclosure and apply for a hardship loan.   I was forced into that situation before that I was never late on my loan.It also continued to cause trouble getting mone for my business because it made my  credit score  drop very bad. and now once again this situation is causing my score to drop.
Product: Debt collection

A company called Mandarich Law Group is contacting me on the behalf of XXXX XXXX XXXX XXXX. I do not even know this company. I have never entered into an agreement with this company and I feel it is fraudulent that they have my information and is currently collecting a debt from me stating I owe for a credit card from years ago. They served me with the wrong papers at my home. I called them and told them a server dropped a packet of papers in my car while I sat in the driveway and then asked for them back. They also threatened to place a lien on my home. The original balance was said to be {$1400.00}. Due to XXXX XXXX XXXX XXXX. Who assumed the alleged charged of debt from XXXXXXXX XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXXXXXX XXXX XXXX XXXX, I mailed a dispute letter to TransUnion disputing the completeness and accuracy of accounts on my credit report. I recently received a response from TransUnion that was issued by them on ( date you received the letter from TransUnion ) that they received my dispute but they would not process it because they are assuming it is from a XXXX party. I'm not sure why they think that as I am trying to fix my own credit and these inaccuracies are harming my ability to obtain credit. I am demanding that TransUnion do its job and conduct a proper investigation on the accounts I am trying to dispute. I have attached the letters along with my Driver 's license and proof of address.
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 XXXX. XXXX, 2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2020, BMO HARRIS BK N A add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2020, XXXX 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. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Debt collection

XXXX XXXX XXXX, XXXX and myself went to court on XX/XX/XXXX. The judge signed a court order saying that I owe this company no monies. 

Prior to seeing the judge, XXXX XXXX ( an agent for XXXX ) and I discussed this alleged debt and she said that the main office in XXXX, FL would reach out to me to discuss a payment plan. I inquired about the down payment that I put on the home ( XXXX XXXX XXXX, XXXX ) and if that would be taken away from the total balance. XXXX stated that she did not know and that I would need to discuss that with the main office when they reached out. 

The judge signed a court order that day that said I do not owe this company any monies. Furthermore, I never received any correspondence from the main office as to them sending this account to collections, discussing a payment plan, my downpayment, or anything else. In XXXX of XXXX I received a dunning letter from Hunter Warfield Inc and I have been going back and forth with them recently about the validity of this debt and the way everything was handled. I have turned in the signed court order to Hunter Warfield multiple times ; however, on XX/XX/XXXX at XXXX XXXX during a recorded phone call with XXXX XXXX at Hunter Warfield she told me that the court order from a judge did not matter and that I would need to seek legal counsel if I wanted to handle this any further. 

I have asked Hunter Warfield for debt validation several times. They have only sent me verification and the signed court order has never been part of the verification thus the verification is incomplete. They refuse to send me validation that I am legally bound to this debt and they say XXXX XXXX XXXX says that I have to pay them. 

I am trying to keep from taking this issue to court. I just want this collection removed from my credit reports and handled the proper way.