23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Bank of America is suing myself and my husband. We have XXXX accounts with them and we have been with them for about XXXX years. They refused to lower our APR and we were paying XXXX on each account each month. We have not received a bill in over XXXX years and we even called them about not getting our bills but nothing happened. They called us about XXXX days ago and told my husband that they had the wrong address on us and that they would get back to us. We received a court summons in the mail from XXXX and we live in XXXX, from a third party that bought the accounts. Now what do we expect.
Product: Mortgage

This communication is regarding the response Wells Fargo made in the complaint # XXXX. Well Fargo mentioned that they did the release of lien on XX/XX/XXXX. The release of lien did not transfer any title back to me. After doing some research on this issue we found that while the mortgage loan was in Wells Fargo Trust, on XX/XX/2009, XXXX XXXX cleared the title and transferred the title of our property. 
Wells Fargo as a loan servicer, does not have a right to fraudulently transfer the title of my property. 
XXXX XXXX clears/transfers the title when they receive notification/information from the servicer. 
By causing to fraudulently transferring the title, you have completely broken the chain of my title. Your title has never been transferred back to me. 
According to Mers, you were not even the mortgage servicer of the mortgage loan on my property since XX/XX/2009.

So here are the facts I have : 1. You caused to transfer my property title on XX/XX/2009.

2. Your right to service existing mortgage loan ended on the XX/XX/2009. 
3. You violated the RESPA, by not reporting the change of loan servicing.

4. You released a mortgage lien that did not transfer the title back to me.

5. You released the mortgage lien when you even lacked the right to do so as a mortgage servicer.

So please let me know if you have anything to justify yourself free of any wrongdoing.

Thanks in advance.
Product: Mortgage

At the end of XX/XX/XXXXXXXX Escrow is XXXX. Escrow pmt for XXXX XXXX, XXXX XXXX w hazard ins of XXXX due at end of XXXX As Escrow was over XXXX at end of XXXX, I expected a refund, but they refuse. After my loan was sold to them last year, they immediately increased my payment by well over 100.00. Im a single mother and the initial payment that I agreed upon with the first mortgage co was already tough. And it appears that they have plenty of escrow at the end of the year. They havent lowered my payment either, so I guess there will be about 2200.00 left over in XX/XX/XXXX. You can not get in touch with them. You email, they dont respond. You call and their automated voice sends you around the world then hangs up.
Product: Student loan

I have been attempting to log into my Conduent account (formerly ACS Education) online to repay the remaining balance on my loan but I have been unable to access my account or get in touch with a rep from Customer Service going on 2 months, and therefore have missed my last 2 loan payments I believe. I have been logging in using the exact same information and have not missed a payment in years, but for the last 2 months I receive the same automated message from the site when I attempt to log in, which is that the action I'm trying to complete is temporarily unavailable. "Temporarily unavailable" yet it has been over 2 months. When trying to contact Conduent customer service, the automated response says there's no account associated with my social security number, and therefore after multiple attempts I eventually get disconnected from the phone after the automated system fails to recognize my social security number. When I emailed customer service, they too said that they have no account associated with my social security number and said "Unfortunately, we are unable to locate an account for you in our records. Please be advised that your loan may have been transferred to be serviced by another loan servicing company." I've read numerous other complaints from people having the exact same issue. I eventually tried resetting my password on their site using the "forgot my password" option. After I received the temporary password I was able to log into the site, but once inside my account all it says is "No data found for specified SSN." So now it appears my account no longer exists, and I'm unable to repay the remaining balance on this loan, and I do not know who to contact to resolve this.
Product: Vehicle loan or lease

my husband and I have been Financed with Santander consumer USA since XX/XX/XXXX at the time our credit was n't the best but the dealership told us we could refi in a year with Santander when things got better, we are in XX/XX/XXXX and my payoff is still close to the day I bought this car, there interest rate is ridiculous over 20 % and I just found today because our credit reports showed an increase to our loan, which should be decreased as we make our payments that even thou our loan is due the XXXX of every month because they receive it from our bank on the XXXX they charge us fee 's because they do there reporting to the credit bureaus at the end of each month so now I have XXXX in fees because the transfer from my bank to theirs is a few days between, which I never knew about until i saw this on our credit report, so i called so with our credit much better I wanted to pay this and they were going to charge me to pay on the phone too, so I said no Ill have my bank send it, we tried trading in the vehicle but its now worth XXXX its a XXXX XXXX XXXX great shape XXXX XX/XX/XXXXmiles I would be upside down still by XXXX still Ill be paying this car until Im XXXX and Im only XXXX how can they get away with robbing us there is no other options but scamming us, and robbing us blind PLEASE CAN SOMEONE HELP US after all this happening to us I went online to see if anyone else has this issue and I ca n't believe we are not the only ones Massachusetts and Delaware just won a huge settlement against them there are people here in Florida posting online begging for help and do n't know who to go to, please help us consumers. back in XX/XX/XXXX we had to make deferred choices and they took those payments and gave us 5 late 's on our credit reports and charged us to do all this on top of high int, late fee 's etc they nickel and dime you every cent There accounting is not correct at all, and almost 9 months of these deferred payments is when they placed them on our CB, not even when they actually happened.
Product: Vehicle loan or lease

On XXXX XXXX I received an extension that push two payments to the end of the loan from XX/XX/XXXX to XX/XX/XXXX and I did change my payment due date from the XXXX to the XXXX. And yes I have made late payments at times but they were made. I inquired one day when I noticed the date of the last payment has been pushed back to XX/XX/2018. I was informed that I never had a maturity date of XX/XX/2018. So I went ahead and made the payment, then I was I told That I had late fees over 300 hundred dollars. My payments were XXXX and I always paid XXXX I was told that money went towards my loan. I received a call on Friday XX/XX/18 from a mr XXXX stating my car payment was 11 days past due, when I inquired more I was transfer to a XXXX XXXX Who stated my maturity date was XX/XX/2018 and he asked did I want to open a complaint, and I did. Today a very nasty ms XXXX called stating that my maturity date has nothing to do with all the loan money being paid off and That I still owe thousands on the car, even tho I have made 73 payments one over the 72 that was stated to me at the being of this process. I have a lot of files but is having trouble uploading them
Product: Debt collection

On XX/XX/2020 I sent a letter to the address provided on their website in regards to their derogatory information that is being reported to all three credit bureaus against me. They failed to respond by mail so I then called them in regards to the letter that asked them to verify the debt. They stated that the information is valid but I then again asked them to submit the documentation in writing and they have yet to do so however they did submit derogatory information to the credit bureaus once more.
Product: Debt collection

Iwrote a letter and ask the company to verify this debt and they sent a letter. The letter didn't verify the debt.
Product: Credit reporting or other personal consumer reports

Account name XXXX Account number XXXX Account name XXXX  Account number XXXX Account name XXXX Account number XXXX Account name XXXX Account number XXXX No payment history is recorded under my Transunion report but yet reported on my XXXX and XXXX. 

This is being report inaccurate on my XXXX and XXXX credit report. It shows up on XXXX out of XXXX. XXXX does not show payment history on my credit report. This is an violation of the Fair Credit Report Act. Per US Code 1681 Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$600.00}, {$610.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$600.00} -This is not my account. 

-- COLLECTION ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$610.00} -This is not my account.
Product: Checking or savings account

Ref : CFPB XXXX and FTC XXXX XXXX I am report fraud resolution that ba nk has make with XXXX Bureau on XX/XX/XXXX on the XXXX wed site claiming bank has close out my checking account ( Adv Tiered interest chkg for XX/XX/XXXX to XXXX XXXX. Account number : XXXX XXXX XXXX. The letter was sent it to me at home. and the amount was XXXX dollars. This letter was fraud to sent out by bank. Plus ruin my credit line with the 3 Burenu. XXXX has a file number which i filed with the Burenu ( CASE : XXXX ) .This is 2-3 times that the bank has do it to me. Please help me solve this problem as soon as possible. Thank you.
Product: Credit reporting or other personal consumer reports

I am disputing the fraudulent reporting of the following XXXX accounts on my Experian credit file : XXXX account ending in XXXX XXXX account ending in XXXX XXXX account ending in XXXX XXXX account ending in XXXX These accounts were opened without my knowledge or authorization. Despite submitting an FTC Identity Theft Report and other supporting documents, these accounts remain falsely reported as charge-offs or with derogatory statuses. Experian 's failure to properly investigate these disputes constitutes a violation of FCRA 15 USC 1681i. I request immediate removal of these accounts.
Product: Debt collection

XXXX, XXXX, XXXX XXXX had a male whom identified himself as the XXXX County Police call me to say I'd be served in court for a 20 year old credit card debt that was charged off. They call to harass and threaten me, and I have requested they discontinue calling me.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX 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 my 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 in XXXX 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 XXXX 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: Debt collection

Pulled my credit report and disputed with all 3 credit reporting agencies a collection debt from CBE fir XXXX XXXX XXXX in the amount of {$160.00}. Ive paid XXXX XXXX a deposit of {$200.00} plus dollars and an insurance premium. As a consumer I have the right to cancel and shop cheaper auto insurance rates and change auto insurance if Im unhappy with company yet theyve sold my information to a debt collector this is illegal!
Product: Debt collection

My daughter who was XXXX years old had XXXX  appointment with XXXX XXXX XXXX in XXXX XXXX, Ca. 
Upon her visit we gave them our insurance. I told front office NOT to perform XXXX  and to make sure that if there any extra to charges to clear them with me. While waiting I received phone call and had to step outside. In the meantime, without my authorization they have performed XXXX XXXX which is toxic to the human body and to the teenagers and they have done an unauthorized XXXX. 
I refused to pay for something which was not authorized and instead they referred this account to the collection agency
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX stole my credit card by screening my background check, employments, fraud & moving my credit line to discover bank when I never had this XXXX as wallet protection ... ..!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was seen by XXXX XXXX XXXX  XX/XX/XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - one visit among many. XXXX XXXX humiliated me and when they send me > {$500.00} in bills, I contested it with my health insurance company. My insurer paid the costs completely for my troubles and for the pain and emotional distress they caused me. Today, XX/XX/XXXX, I was notified that {$180.00} of that bill was sent to collections, with my credit taking a hit and digging up this past trauma over expensive for an experience that has been paid for time and time again.
Product: Debt collection

I hope this letter finds you well. I am writing to address a matter of concern regarding my credit report. After reviewing my credit report from your bureau, I noticed that there are instances of late payments listed on my account. I understand the importance of maintaining a positive credit history, and I am eager to resolve this matter. 
XXXX XXXX I kindly request your assistance in reviewing my case and considering the removal of these late payments from my credit report. I have taken proactive measures to improve my financial situation, and I am committed to ensuring that my credit history accurately reflects my current financial responsibility. 
I understand the importance of accurate credit reporting and its impact on my financial well-being. I am confident that, with your help, we can rectify this matter and update my credit report accordingly.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 XXXXXX/XX/XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

on XX/XX/2021 around XXXX - XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX NY XXXX with XXXX rejected my transaction of money remittance of {$190.00} to XXXX XXXX XXXX . According to male customer representative, his screen is displaying my name, address, and phone number with - Blocked for Remittance. For XX/XX/2021, money remittance has reached {$60000.00}. 
I gave XXXX rep this info : From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX : XXXX XXXX XXXX I called Police Precint XXXX. Detective asked for screen print with the 'Blocked for Remittance ' message. 

I came back the next day, XX/XX/2021 with XXXX XXXX. XXXX submitted the same transaction of money remittance of {$190.00} to XXXX, and the transaction went through. Confirmation Number = XXXX. Cashier = XXXX What happened next is a conversation, and there is no paper trail. I asked the female customer rep for the screen print - when using my name, address and phone number. But she declined. She called her Main Office, and allowed me to speak with XXXX ( or XXXX ). Main Office was asking for my phone number. And I said I would provide the phone number. Will you allow your lady customer rep here to give me the screen shot? And XXXX would not commit to it. She keeps saying that she has to check their system. After going around the same line of conversation, I decided to leave, without providing my Phone number. That is because, they would not give me the computer screen shot the detective asked to get. Also, providing my phone number may just aggravate the situation. 

Please help in clearing the fraudulent use of my name, address and phone number in XXXX XXXX XXXX. 

According to the receipt XXXX received from his remittance, the company is called XXXX XXXX, XXXX XXXX XXXX, XXXX CA XXXX, with telephone # = XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Upon reviewing my credit report, I found discrepancies on my XXXX XXXX Account ending in XXXX, Opened XX/XX/XXXX, Credit Limit of {$350.00}. The report states that late payments were made in the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The information is inaccurate. Payments were made on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. My bank reflect payments made to XXXX XXXX for the account in question. I have the banking statements to back up my claim. These late payments in question, should be reported deleted as they have been reported incorrectly. I have reached out to the company, XXXX XXXX, and all 3 credit bureaus, XXXX, XXXX and Equifax.The discrepancies were disputed several times over the last few months and the documentation was uploaded and mail into the Bureaus. It would seem that my compliant has fallen on death ears. This is why I have decided to reach out to you for assistance. Attached is the bank statements with payments to XXXX  XXXX. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report 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: Student loan

I submitted a claim for a refund of voluntary payments I made on my federal student loans during the covid-19 pandemic pause on XX/XX/2022 and still have not seen any effort made to fulfill my request. They keep telling me that its " processing '' but it has been several weeks and I should have seen my loan balance increase and the increase amount given back to me already. They seem to be sitting around doing absolutely nothing about my request for money that is rightfully mine.