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

I am a small business owner. You know everything about Covid-19 disaster. This is also economic disaster for us, too. I am in XXXX XXXX of Pennsylvania. My business is closed since XXXX of XXXX. I applied for SBA loans. I want to complain about 3 major credit agencies. I wont be able to get any loan because of these credit score agencies. They keep reducing my score without any reason. Yes I have high credit card debt but I paid everything regularly so far even though it is minimum payment it is paid. Now these agencies keep reducing my score without any new reason. I wont be able to get EIDL loan which is given to small businesses because of these credit score agencies. Sba lenders dont give loans to small businesses if you have a score under XXXX. These credit agencies will cause us to go to bankruptcy. We will not go to bankruptcy because of Covid-19 but because of 3 credit score agencies, XXXX, equifax and XXXX. I am complaining them. Could you please investigate what they are doing to us. My business will disappear because of these 3 credit score agencies.
Product: Debt collection

Dear Sir/Madam, I am writing to file a formal Notice of Claim for Harm and Demand for the immediate removal of derogatory remarks listed on my credit report, which have significantly impeded my pursuit of happiness and financial stability. 

On XX/XX/2024, I obtained a copy of my credit report from TransUnion and upon review, I discovered several derogatory remarks and accounts that are inaccurately reported. These remarks include : XXXX XXXX XXXX : all late payment remarks need to be removed from this account and updated to current. 
XXXX XXXX : There is NO SUCH code mentioned in the TransUnion manual nor was I sent the copy B of the 1099C that was filed for the writing off of this account. This account needs to be removed immediately. 
XXXX XXXX : There is NO SUCH code mentioned in the TransUnion manual nor was I sent the copy B of the 1099C that was filed for the writing off of this account. This account needs to be removed immediately. 
XXXX : Being that XXXX has not and can not provide evidence of license to practice debt collection in any of the 50 states nor have they proved that they have an original contract with wett ink signature, or that they did not merely purchase the alleged debt rather than conduct a thorough investigation to validate the alleged debt, they have trespassed against my person, my life and my finances causing irreputable financial harm to not only myself but my child. 
XXXX XXXX XXXX : Being that XXXX has not and can not provide evidence of license to practice debt collection in any of the 50 states, nor have they proved that they have an original contract with wett ink signature, or that they did not merely purchase the alleged debt rather than conduct a thorough investigation to validate the alleged debt, they have trespassed against my person, my life and my finances causing irreputable financial harm to not only myself but my child. 

These blatant inaccuracies have caused detrimental harm within my day to day and on my credit score and financial reputation, making it difficult for me to access credit, secure loans, or obtain favorable terms for various financial transactions.
Product: Credit reporting or other personal consumer reports

My XXXX XXXX XXXX account was hacked and my personal data was compromised. XXXX XXXX XXXX is providing free credit monitoring for a year. Also, someone used my personal information to take out a Paycheck Protection Program ( PPP ) loan. I went to the free credit report website three different times and each time I was asked to enter my credit card to charge me {$29.00} per month. I could never get past this page to request a free credit report from TransUnion or XXXX. These firms make it too difficult for the consumer and in my opinion are not abiding by the spirit of the law/agreement that they are operating under.
Product: Debt collection

Hello, MY NAME IS XXXX XXXX XXXX. Upon reviewing my credit report I realized that IC SYSTEMS is being reported as a closed/charged off account in the amount of {$980.00}. This is considered cancelled debt and can not be reported on my report. This company has filed this debt on their taxes and its still being reported. I never received a 1099C from IC SYSTEMS. This is a violation of 15 USC 1681eb. I NEVER GAVE PERMISSION FOR MY PERSONAL INFO TO BE SOLD TO ANY COMPANIES. I DO NOT HAVE ANY CONTRACTS WITH IC SYSTEMS, WITH MY SIGNATURE ON IT. IC SYSTEMS SHOULD NOT BE REPORTING ANYTHING ON ME TO THE BUREAUS.THIS IS IDENTITY THEFT. I demand that this inaccurate information be removed from all 3 credit reports.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Between XX/XX/year> and XX/XX/year>, a new account in collections was added to my report. The collection agency is SEQUOIA XXXX XXXX. The original creditor was XXXX XXXX XXXX
Product: Checking or savings account

I opened a minor 's savings account with Wells Fargo in XXXX for my daughter ( age XXXX at the time ). I was told the account was linked to my own account so that the account would not incur any monthly service fees. Wells Fargo inadvertently opened a savings account that was not linked to my account. 

In XX/XX/XXXX, my wife and I consolidated some accounts. After moving funds from my daughter 's account to my account, Wells Fargo began assessing a monthly service fee of {$10.00} for my daughter 's unused account. The combined value of my family 's Wells Fargo accounts was sufficient to not incur a monthly service charge, but because my daughter 's account was not linked to my wife 's or my account, ( i ) it didn't show up our dashboard when logging into the Wells Fargo website and ( ii XXXX her account was being treated as an adult 's account. My daughter is now XXXX, and we believe no fees should have been assessed. 

If the account had shown up in our ( parents ' ) dashboard when logging in, we would have addressed this. However, because it was separate, it wouldn't render. Since XXXX, we have paid $ XXXX/mo or {$480.00} total for an account that went unused. Wells Fargo has credited {$30.00} as a courtesy but I requested the entire amount lost be credited because Wells Fargo hadn't properly linked the accounts as they had said when they opened my daughter 's account in XXXX.
Product: Money transfer, virtual currency, or money service

This person found me on a dating site in XXXX of XXXX and faked his identity. His name is either XXXX XXXX or XXXX XXXX, XXXX XXXX XXXX, from XXXX, XXXX but said he was a XXXX male, XXXX XXXX XXXX from XXXX, TX. He also sent me many fake photos and even a fake photo of his " sick '' daughter. We became close over many months and he started asking me for money for " job related needs '' as well as money for his " sick daughter ''. He took advantage of my kindness and played off my empathy. I sent him money in the form of gift cards and XXXX. The whole time he was giving me promises that he would pay me back. He used me, manipulated me, and abused me mentally, financially and emotionally. Everything out of his mouth was a lie from the beginning. 

Please refer to the attached letter for more details.
Product: Mortgage

last year I filed a complaint concerning Nation Star Mortgage and documents they stated they never got ( cfpb case number XXXX. I was directed that they got the {$50.00} assumption fee but not required documents. I faxed them on XX/XX/2015 at XXXX, exactly what they needed. I got a credit pull and then a letter from research dated XX/XX/2015 Ref number XXXX. That was it never did anything and all I want to do is assume this debt. They had a freedom mortgage call for a refi/assumption but after today I found out that I was lied to.
Product: Mortgage

I have a mortgage through XXXX XXXXXXXX Mortgage. Last year ( XXXX ) was my first full year with the loan. On about XXXX of XXXX, I received a supplemental check from my escrow account in the amount of {$3700.00}. It came just in time to pay off my supplemental tax bill. 

By XXXX ( XXXX ), I got a letter with my mortgage statement stating there was a {$3700.00} deficit in my escrow account. Because of the deficit, they caused by sending a supplemental check, they added {$600.00} per month to my mortgage payment. I'm already paying {$5000.00} per month, another {$600.00} per month will break me financially. 

When I do the math, {$600.00} per month at the end of the year is {$7200.00}. If they are short {$3700.00}, why are they charging me almost double to recover the deficit? 

In XXXX, I called and spoke to a customer service representative from XXXX XXXXXXXX Mortgage. I stated I wanted to take over my impound account and I will continue to pay them their principle and interest only. I was directed to write a letter to the administration building in New Jersey, explaining my concerns, which I did. 

My response came in late XXXX ( XXXX ) stating my request to take over my impound account was denied. I again called customer service from XXXX XXXX Mortgage to ask why I was denied when they are still getting their principle and interest. The representative told me my mortgage was sold to an investor, J.P. Morgan Chase, trust. They are the ones who are denying my request because the original loan contract had an impound account. 

I have spoken to many loan agents who work in the field of mortgages, and they all said this is a common request to take over your own impound account. They couldn't give me a reasonable answer as to why I was denied. Also, the consensus was that adding {$600.00} per month to my mortgage payment, was extremely high. 

I simply don't trust them handling my impound account. Please help me before I slowly lose everything because of their mismanagement of my funds.
Product: Debt collection

I received a notice via regular mail from MRS BPO LLC a debt collector trying to collect a debt for XXXX XXXX XXXX. We do not presently have an account with XXXX noting the debt dates back to XX/XX/2021 per the notice received. 

That said, I promptly mailed the request form requesting additional information so I could verify the validity of the debt prior to taking any necessary action. That information was never received, noting I failed to realize it, and the company without any other contact whatsoever, proceeded to file a derogatory statement on my credit report as a result. 

I was immediately notified the derogatory statement was made because I subscribe to credit monitoring services as I take my credit seriously. I promptly reached out to the debt collection agency to discuss why collection activity had continued despite my request for information and was told they never received my request and would respond now. As I explained to XXXX XXXX, the representative I spoke with today, that would be good, but in addition, the derogatory statement needed to be rescinded since I had responded, and ALL continued collection activity should have ceased. She was adamant that it was my problem, that my request was not noted on the account. This is absolutely ridiculous. Where is the accountability on their side? My credit score is consistently over XXXX because I am a financial responsible adult, and I will not stand for a debt collector to infringe on my rights. 

As explained, I will address the validity of the debt as soon as I get the necessary information, but I want my rights protected. I took the appropriate action and they failed to act on their side. They shouldn't be able to place a derogatory comment without accountability. Your assistance is resolving this matter is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with Trans Union regarding inaccurate remarks & also that I was a victim of Idenity Theft. My credit report shows the following do not belong to me : XXXX XXXX XXXX XXXX, & XXXX. 

Federal law requires that Trans Union provide mechanisms to ensure that each item on my report actually belongs to me. Please have the following Inquires deleted : XXXX  XXXX dated XX/XX/XXXX & XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.
Product: Debt collection

I am writing to formally request validation of the debt associated with account number that you allege I owe. Under the Fair Debt Collection Practices Act, I have the right to request verification of this debt.

Please provide me with the following information : 1. The total amount of the debt.

2. The name of the original creditor.

3. A detailed statement explaining how this debt was incurred and calculated.

4. Any documentation that proves I am legally responsible for this debt.

While I await your response, I request that you cease all collection activities regarding this debt until the requested information is provided. 
Thank you.
Product: Mortgage

My lender ( Ditech ) has not cancelled PMI even though my loan amount is now below 78 % of the original loan amount. I have called them and written to them and the situation is still unresolved.
Product: Mortgage

Due to the pandemic, I struggled to make my mortgage payments on time. With strained finances, a forbearance was offered. 

While in forbearance, I completed the modification application, submitting supplemental information as requested. After a couple of months, Fay Servicing proposed a trial period starting in XX/XX/XXXX. 
Although it was a struggle, I made the 3 ( three ) trial payments and continue to make payments. However, monthly mortgage statements are off. For example, the XX/XX/XXXX statement is showing XX/XX/XXXX was not being made. 

Likewise, Fay Servicing increased the interest rate from 4.8 % to 6. % which is a substantial increase. Instead of paying {$2700.00} per month. I am currently making a {$3000.00} payment per month. The overall balance is {$45000.00} more than it should be. The balloon payment amount is {$180000.00} which puts me upside down in this home. 
I am requesting an independent audit of my loan modification account. I do not understand the increase in interest rate when I was struggling to stay in my home. Below are the additional concerns : Ensuring that the principal balance is accurate after a deferral plan becomes effective ; Providing accurate information about loan status and relief options during forbearance ; Not imposing an inspection fee, late payment fee, or modification fee during a CARES Act forbearance period ; and Not accurately applying the post-forbearance payments, including after a servicing transfer.
Product: Credit reporting or other personal consumer reports

XXXX is violating my consumer rights. They are fraudulently letting POSSIBLE FINANCIAL INC, management number XXXX report a fraudulent account on my credit profile. I have never heard of this company, nor should they have any information of mine. I was suspicious so I looked this company up on my Secretary of State website and seen that they aren't licensed to do business/collect a debt in my state. They are illegally doing business in Michigan. I'm asking you to enforce to enforce the laws on XXXX for failure to investigate as I'm a federally protected consumer. I will also be reporting both XXXX and POSSIBLE FINANCIAL INC to the IRS filling out form XXXX A information referral for unreported income since XXXX gets paid from this company and this company isn't licensed to do business in my state, leads me to believe they are exporting people for money and not reporting it to the IRS XXXX I will also be reporting both companies to the Attorney General and XXXX XXXX XXXX. I attached proof that POSSIBLE FINANCIAL INC isn't allowed to do business in my state. If the account isn't removed in 30 days, I'll also be filing the attached forms to sue both companies for defamation of character. They are making me look noncreditworthy to other lender and I have been denied credit due to this matter. It has caused me great emotional distress and my doctor has prescribed me Trazodone because I haven't been able to sleep at night due to the financial and emotional harm these two companies have caused. I know that POSSIBLE FINANCIAL INC pays XXXX to report inaccurate information and XXXX refused to give me a fair investigation for their financial gain.
Product: Debt collection

I HAD A PAYMENT DUE ON MY ACCOUNT WITH ONE MAIN FINANCIAL IN XXXX, MISSISSIPPI. I CALLED TO LET THEM KNOW THAT I HAD NOT RECEIVED MY CHECK IN MY DIRECT DEPOSIT AND THAT I WAS BEING MAILED A PAPER CHECK ON FRIDAY XX/XX/2018. THE COMPANY SAID THEY WOULD NOTE IT AND SEE ME FRIDAY. SO TODAY THEY CALLED ME 3 TIMES WITH IN ONE HOUR 1ST CALL WAS AT XXXX THEN I RECEIVED A TEXT MESSAGE FROM AND EMPLOYEE IN THE COMPANY THAT I KNOW THAT STATED HEY DEAR YOU PAYING TODAY THERE FIXING TO CALL AND BLOW UP YOUR PHONE. I RESPONDED TO SAY THAT I WAS WAITING ON MY CHECK TO GET HERE BUT I WOULD BE THERE BEFORE THE END OF THE DAY AS I HAD SCHEDULED. THEN I RECEIVED ANOTHER CALL FROM THEM AT XXXX. I THEN CALLED THE COMPANY AT XXXX XXXX AND ASKED TO SPEAK TO THE MANAGER. I ASKED HIM WHY I WAS GETTING REPEATED PHONE CALLS FROM HIS COMPANY AFTER I HAD ALREADY TOLD THEM I WOULD BE IN TODAY? HE RESPONDED AND SAID THAT THEY WERE JUST FOLLOWING UP. I SAID YOU FOLLOWING UP 3 TIMES WITH IN AN HOUR AFTER I TOLD YOU THAT I WOULD BE IN ON FRIDAY. HE SAID THAT WE WOULDNT HAVE THIS PROBLEM IF I WOULD JUST MAKE MY PAYMENTS ON TIME. I ASKED WHEN MY PAYMENT WAS DUE HE SAID ON THE XX/XX/XXXX I THEN RESPONDED AND SAID THAT MY ACCOUNT WAS NOT EVEN 30 DAYS PAST DUE AND THAT I HAD ALREADY TOLD THEM I WOULD BE IN FRIDAY XX/XX/XXXX WITH MY PAYMENT. HE SAID THEN WHY DONT YOU JUST PAY ME OFF. I WORK IN THE XXXX XXXX AND WE DO NOT BAGGER AND CALL PEOPLE REPEATEDLY AFTER WE SET THEM FOR THE DAY. WE CALL THEM THE FOLLOWING DAY IF WE MISSED THE DAY THEY ARE SET TO COME IN. THIS MANAGER WAS EXTREMELY RUDE AND DIDNT SEEM TO CARE THAT I WAS UPSET ALL HE WAS WORRIED ABOUT WAS THAT HE DIDNT KNOW WHY I WAS STILL TALKING TO HIM. HE FINALLY HUNG UP ON ME. IF YOU TELL SOMEONE YOU ARE COMING IN AND THAT DAY HAS NOT PASSED AND YOU ARE NO WHERE NEAR THE DAY BEING OVER. WHY ARE YOU CALLING ME AND CALLING ME AND CALLING ME AFTER I HAVE TOLD YOU THAT I WOULD BE THERE. MUCH LESS 3 TIMES WITH IN THE SAME HOUR. THAT IS ABSURD.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXXXXXX XXXX ( the Fraudsters or Company ), with the design, development, manufacture, promoting, marketing, distribution, labelling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. The equivalent of XXXX USD was transferred from my wallet utilizing Coinbase services
Product: Mortgage

Re : Breach of contract, plying false documentation, material misrepresentation, appending fees outside of the contractTD Bank services a mortgage loan, a contract assumed from a prior originator. The language of that contract is clear and specifies the real calendar date upon which a payment is received ( conveyed ). This definition is affirmed by years of prior TD bank behavior correcting any post-dating of a loan transaction to conform to the terms of the loan contract. This is important because, the terms of the contract can not be abridged or changed by any policy or arbitrary procedure of subsequent service agents. The contract is required by law to be serviced as written for the life of the loan. 

In the most recent year, TD Bank has repeatedly breached the loan contract by post dating inadequately documented transaction receipts, and altering statement details, for the purpose of quietly appending late fees to the backside of the loan. 

USPS Postmarks obtained on the receipts provided by TD bank tellers show that TD bank post dates and inadequately documents payment receipts to produce a false and misleading record of the transaction. Post dating of loan payments extends from 3 - 5 days from the date that payments are actually received. The loan contract sets action in regard to conveyance on fixed calendar dates and does not provide subsequent service agent the right to alter the contract or redefine dates and/or terms, and assent is affirmed by TD banks prior actions, and those of prior service agents dating back more than a decade. 

In addition to post dating loan transaction receipts it can also be shown that dates recorded on the statements do not match even non-post dated receipts. Again, the dates are altered to trigger bogus late fees which are quietly appended to the loan. 

Mortgage loan servicing is bound by the terms of the loan contract - not by variable and arbitrary bank policy changes regarding deposit and checking accounts or other financial services. By failing to properly document and accurately record loan payments, and by applying and appending fees outside of the contract terms and definitions TD bank is in repeated and sustained breach of the loan contract.