23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Account Closure and Lien Release with Wells Fargo Bank , N.A . 

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Wells Fargo Bank , N.A . regarding their failure to resolve an ongoing issue related to the closure of a business equity line of credit account. 

Background : In XXXX, Wells Fargo acquired the account from XXXX, which included a credit line of {$75000.00} for XXXX XXXX XXXX. The outstanding balance of {$22000.00} on this loan was discharged through a XXXX XXXXXXXX bankruptcy, which was finalized in XXXX. However, despite the bankruptcy discharge and Wells Fargo charging off the account on XX/XX/XXXX, a lien was placed on my property located and the account remains open. 

Wells Fargo has repeatedly denied any knowledge of the account or provided inconsistent information regarding its status. This lack of clarity has made it impossible for me to resolve the situation and secure a letter of satisfaction indicating that the loan is no longer active, as well as an avoidance of lien document. The presence of this lien is severely limiting my ability to access financial instruments, such as refinancing my property or obtaining a new home equity line of credit, as the account appears open on credit reports. 

I have made numerous attempts to communicate with Wells Fargo, including speaking with various representatives, each of whom either claims ignorance about the account or provides no useful guidance. I received a letter dated XX/XX/XXXX, asserting that I no longer seek additional information, which is categorically untrue. I have also been assigned an account number and a case number Furthermore, I would like to bring to your attention that my primary language is Spanish, and I have encountered significant difficulties obtaining assistance in my preferred language. This lack of language support feels discriminatory and has added to my frustration during this already challenging process. 

The last representative I spoke with was XXXX XXXX from the Lien Release Department, whose contact number is XXXX, extension XXXX. Unfortunately, he was unable to provide any satisfactory resolution. 

Your assistance in this matter would be greatly appreciated, as I am feeling misdirected and overwhelmed by the lack of support from Wells Fargo. 

Thank you for your attention to this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I sent XXXX XXXX to XXXX XXXX on XX/XX/22 certified mail tracking # XXXX XXXX XXXX XXXX XXXX stating that illegal information is being reported by them on my credit report specifically, my credit utilization. In response, I received a letter from them ( attached ) stating that my request was received and in accordance to FCRA, they do not remove or change negative reporting unless it was reported in error. They further encouraged me to reach out to the credit bureaus to dispute the reporting. THIS IS ABSOLUTELY UNACCEPTABLE AS THE REPORTING OF CREDIT UTILIZATION IS ILLEGAL. Upon carefully reviewing 15 U.S. Code 1681a ( 2 ) ( a ) ( i ), it clearly states the following : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; As such, the reporting of any transaction or experience on my consumer credit report is ILLEGAL and forbidden by government. 

The following items are attached - Original letter sent to XXXX advising of violation of XXXX re : utilization - Response from XXXX - Original XXXX Certified Mail Receipt
Product: Credit card or prepaid card

I applied and was approved for the American Express XXXX XXXX XXXX Card on XX/XX/2017 ( see exhibit 1 attached ). As part of the offer details, I would receive XXXX XXXX XXXX XXXX after spending {$3000.00} in the first 3 months. After two statement periods, I spent a cumulative {$3300.00}, and paid in full ( see exhibit 2 and 3 attached ). After three statement periods, I spent a cumulative {$7200.00}, and paid in full ( see exhibit 4 attached ). I was also assessed an annual fee of {$75.00}. The {$75.00} is not included in my spend figures noted above. 

Further, American Express was offering XXXX XXXX XXXX Points for each referral that translated into an approved account opening. I approved both my wife and my brother in law, who both received approval, received the American Express XXXX XXXX XXXX Card, and both earned the XXXX XXXX XXXX  Points bonus. 

I have contacted American Express on numerous occasions, and have received a plethora of varying responses and reasons. A case was opened several weeks ago with no known resolution as of today.
Product: Student loan

Mohela, the federal servicer of loans eligible for Public Service Loan Forgiveness, appears to be purposefully and willfully misclassifying my application for PSLF. It is apparent that they are conducting business in a manner to exploit both borrowers and the federal government to maximize the interest collected on loans consolidated to them, as evidenced by thousands of similar publicly available complaints relating to what can only be willful ineptitude. 

I consolidated my loans prior to the XX/XX/2022 deadline, and submitted two employment verifications that covered a span of over 10 years. Despite communicating with them dozens of times, they still have not yet verified that two different local governments are eligible public sector entities. Additionally, they periodically send correspondence that states that 1 ) I have had no eligible employment, or 2 ) made no eligible payments, which I believe may be designed to dis-incentivize individuals seeking forgiveness.

The process for verifying eligibility should be simple, but Mohela is making it tremendously difficult, and is continually providing incorrect correspondence that could lead a person to believe they are not actually eligible when they indeed are. In some cases, Mohela staff state on the phone that they " need more time '' or to " give them another 90 days '' even after they have sent letters ( electronically ) that state " You have not yet made the required 120 qualifying payments necessary to be eligible for PSLF ''.

Mohela should be fully investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the
report by more than seven years.

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.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding fraudulent accounts that have appeared on my credit report. I have recently discovered that my personal information has been used without my consent to open several accounts, which has resulted in inaccurate and damaging information on my credit report. I am writing in accordance with the provisions outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c-2, to request a thorough investigation and rectification of this matter. I have enclosed copies of documents that support my claim of identity theft, including FTC or POLICE REPORT These documents provide clear evidence that I did not initiate or authorize the accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/2023 I purchased a vehicle and Ally Auto approved me for a loan for the amount of $ XXXX 15.99 % APR On XX/XX/2023 I made my first payment of {$870.00}. I waited a few days for the payment to process and I checked the outstanding balance. The outstanding balance is still {$41000.00}. 
So I called Ally Auto, and the lady I spoke with told me that the money went all towards finance charge. I asked her what was my APR rate and she confirmed it is 15.99 %. So I asked her, why did the bank take 100 % of my payment? She then broke down to me how much money goes towards the interest and how much goes to the principal. She said {$140.00} is supposed to go towards interest and {$730.00} towards the principal amount. She said she will put in a request to fix the problem. I waited over a week and saw nothing changed so I called again. Still the problem hasnt been resolved and now they are asking for the next payment which is due XX/XX/2023. At this point I dont trust Ally Auto anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting an address that Ive never lived at, XXXX XXXX XXXX XXXX XXXX Tx XXXX
Product: Checking or savings account

I had did a stop payment on a bill due to I had a more important bill due that couldnt be missed. During this time everybody XXXX near broke in America the only way you guys are willing to refund a fee is if we sick or unemployed. I been with you guys about XXXX yrs now I only ever did like XXXX refunds and all these refunds just started happening while we in the pandemic and now prices of food gas everything expensive. I would like to have my {$30.00} stop fee refunded please. Also your workers should ask if theres anything else they can assist us with instead of sounding like we being rushed off the phone
Product: Credit card

In accordance with the Fair Credit Reporting Act this creditor violated my rights under 15 USC 1681 section 602 states that I have the right to privacy ( 15 USC 1681 section 604a section 2 ). It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX  XXXX Account Number : XXXX and list of Inquiries XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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.
Product: Consumer Loan

As I anticipated, BMO Harris Bank added a late fee to my bill this month. My mother called on XX/XX/XXXX to make payment for me and they were going to add a XXXX charge for paying over the phone. There is also a charge to pay online. They told her the only way they would not charge was if she sent a check. So she did send a check that day for the payment amount. I kept checking online to see if the check had been applied to my account but it was taking longer than I thought. My mom said the money was still in her account as well. I kept trying to get in contact with BMO as I anticipated they would add a late fee if the payment was not made by XX/XX/XXXX. The check definitely arrived by XX/XX/XXXX as it was sent first class normal mail. That never takes longer than a few days. BMO decided to add a late charge anyway. This is not right. They want to charge people to pay them no matter how people decide to do it - whether the service fee for over the phone or via internet, or whether a late fee for sending a check. In addition, now it says my account is in default when it really was not. This sets me back from being able to get online access even more. These are absurd practices done by a giant corporation trying to take advantage of the little guy.
Product: Checking or savings account

On XX/XX/XXXX at XXXX I deposited {$50.00} in cash ( Sequence # XXXX ) AND again on XX/XX/XXXX at XXXX  I deposited {$11.00} in cash ( Sequence # XXXX ) at Chase Bank . However, I was charged a NSF fee {$35.00}, the following day XX/XX/XXXX According to the Chase Bank Representative, I didn't make my second deposit ( {$11.00} cash ) until after XXXX ( which isn't true ). I requested, to speak with a manager about the unfair assessed fee 's. However, I didn't get anywhere. I then requested, to speak with her manager ( leaving my contact telephone number with the manager ) but was told that the manager would just give me the " exact same '' information. As of today, I have NOT heard from the Chase 2nd manager. I am DISPUTING, the held transaction ( {$11.00} cash deposit ) held until, Tuesday-XX/XX/XXXXas " pending '' by Chase.The monies {$11.00} was deposited in cash and included in my overall " available balance '' at XXXX  onXX/XX/XXXX. However, Chase Bank withheld my cash deposit as " pending '' in order to charge me unwarranted NSF fee 's. I am disputing, Chase 's decision-making @ XXXX  today, XX/XX/XXXX Disclaimer : All information is being submitted for the " sole '' use of this FILED, CFPB complaint. No other use authorized.
Product: Debt collection

I received a letter from a creditor fro an unpaid debt to XXXX XXXX. I have not had an account with this company for at least 4 years and when I canceled my services in 2012 my account balance was paid in full and all equipment returned. I have not heard anything from this company in 4 years but suddenly a collection account popped up on my credit report and i received a letter in the mail. The name on the letter was the incorrect spelling leading me to believe this may be a false collection. I do not owe any debt to this company and the statute of limitations in AZ is supposed to be 3 years, which has passed anyway. 

This also appeared on my credit report which concerns me.
Product: Credit reporting or other personal consumer reports

This item was supposed have to been deleted before the 30 days. Before investigation was COMPLETED and the THREE credit bureaus XXXX, XXXX and Experian didnt do so this is a VIOLATION OF FCRA LAW 15 U.S. Code 1681i - Procedure in case of disputed accuracy were it state a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX. 2 Private loans jointly signed by my spouse and I. 

XXXX. Made 1 full payment each account. 

No payments thereafter. 

Now, 7 years later, the ( 2 ) loans remain on our reports. Both myself and I. 

Calls to XXXX XXXX XXXX XXXX state that the 7years expired but it is up to the 3 bureaus to remove.
Product: Debt collection

Through the response received from the creditor, I would like to inform you that your company has violated 15 USC 1692j ( a ) because your company furnished a deceptive form to create a false belief in me as a consumer that the Creditor was attempting to collect the debt but in reality it was not true. Midland Credit Management violated numerous FRCR laws when it fraudulently tried to get me to pay a debt that was a result of my stolen identity Account # XXXX ( {$5700.00} ) on or around XX/XX/2022. I was a victim of identity theft, I was made aware on XX/XX/2022 ( Police Report # XXXX ). Midland Credit Management has used deceptive tactics in the past to get me to pay for items that didn't belong to me. 


Pursuant to 15 USC 1692j ( b ), any person who violated the above-mentioned section shall be liable to the extent as mentioned under 15 USC 1692k i.e. {$1000.00} ( XXXX XXXX USD ). Also, I am including an invoice in the about of {$4500.00} ( XXXX XXXX XXXX XXXX USD ) the amount it will cost to repair my credit. If you fail to pay for the violation I will escalate this matter to federal court, if you prefer to settle this matter out of court please make an offer.
Product: Mortgage

The mortgage company representative said, they do not have to bill for the entire amount to cover taxes and insurance ( escrow ). My husband died last year and he took care of the mortgage payments. I feel Im being taken advantage of by the company after stating XXXX XXXX XXXXXXXX XXXX on mortgage statement. I asked the agent if I paid the deficient amount, will you continue to under bill me? She would not answer my question and continue to respond with scripted responses. Also rewrez LLC has XXXX complaints of the same problem.
Product: Mortgage

XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX MI XXXX XXXXXXXXXXXX XXXX XXXX XXXX REFERENCE Ocwen Response to CFPB On Friday, XXXX XXXX, 2016 XXXX XXXX , Consumer Financial Protection Bureau XXXXXXXX wrote : The company has provided a partial response to your complaint number XXXX describing the steps taken so far to address your issue. They stated they are still working on your issue, and you should hear from them again within 60 days. 
Case number : XXXX Status In progress Response Ocwen is currently researching the matter and will provide a response within the allotted timeframe. 

Case number : XXXX The response to Case number : XXXX by Ocwen Loan Servicing , LLC, [ " still working on your issue, and you should hear from them again within 60 days '' ] on a lawfully rescinded mortgage and specifically denied Loan Number : XXXX, and Account Number : XXXX has been to XXXX XXXX XXXX in the following correspondence : XXXX XXXX, 2016 A Trial Modification Mortgage Statement for a lawfully rescinded mortgage A Trial Modification Mortgage Statement for a specifically denied Account Number : XXXX PDF attached XXXX XXXX, 2016 A non verified statement claiming that XXXX XXXX XXXX had submitted application for assistance on specifically denied Loan Number : XXXX A Appraisal created by XXXX PDF attached XXXX XXXX, 2016 A Delinquency Notice for six payments on a lawfully rescinded mortgage A Delinquency Notice for six payments on specifically denied Loan Number : XXXX PDF attached XXXX XXXX, 2016 Notice of initialization of FORCED PLACE INSURANCE on specifically denied Loan Number : XXXXon Lawfully owned property of XXXX XXXX PDF attached
Product: Mortgage

I have an upcoming foreclosure trial not set yet. Nationstar ( a/k/a Mr. Cooper ) is the  servicer of my mortgage loan. XXXX XXXX is the owner of my mortgage. My prior servicer was XXXX XXXX. XXXX transferred the servicing of my loan to Nationstar around the summer of 2009. Before the transfer, XXXX approved a loan modification and I completed the 3 trial mortgage payments. I found out about HAMP ( Home Affordable Mortgage Program ) and I applied with XXXX to try and get an even lower rate. While XXXX was working on my second modification and 2 months after I applied, XXXX transferred the servicing of my loan to Nationstar Mortgage Co. I called Nationstar, and I was told they see the HAMP application in process and that I should hear back regarding an answer on the results. About 2 to 3 months later, I called Nationstar again and I was told they knew nothing about a modification and they refused to provide an opportunity to apply as I was legally entitled to. A few months after that they sued me for non-payment of my mortgage. They lost that suit. Today I am about to lose my home on another suit by Nationstar and I've applied twice for a modification and they again refuse. I believe Nationstar broke federal law back then when they refused to follow-up with my HAMP application that was still in process mid-transfer of servicing. They ignored the law and I was denied my rights to a HAMP application and modification. I've enclosed some court documents that support my allegations here from past cases that demonstrate these happenings.