23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

this complaint is based on the response from the company in regards to complaint # XXXX that response is a forgary. the company admited fault for not disclosing and requiring the insurance prior to closeing and acnoledged that within the first 3 weeks of closing that insurance was needed. in regards to the companys response it has been proven that the values listed by XXXX in the response is a fraud and does not reflect the origonal loan application. i then asked wellsfargo through secure messaging for my loan application. i then asked XXXX who was handling my issue and sent the fragulent response for the same document. wellsfargo sent me the one i signed in person. XXXX sent me one that he altered and put my electronic signature block in makeing it not only another fraud trying to cover up his mistakes but a forged signature. before adding the wind insurance which then was around 2700 a year my liabilitys were XXXX in the response with the added wind insurance it states it was XXXX and equaled a debt to income ratio of 40.07. they used those values becuase on my application my liabilitys of XXXX would be over 41 % debt to income ratio. this means they they had the knowledge that it was not exceptable for lendingeven before the house closed but to get the comission they pushed it through. using the values of the loan application and adding the wind insuance of XXXX a month which comes too XXXX which is way above the debt to income of 41 %. and now to make things even worse that wind value was before hurricane season. as of today the wind insurance jumped to XXXX which will be alot higher debt to income ratio. wells fargo sent cpfb a fragulant response after admiting they didnt disclose the right info before closing and proved that my debt to income was not acceptable before the loan closed but pushed it through to get commission. this extra insurance if the rate does not change for 29 years is over 95k which i would never had agreed too.
Product: Debt collection

I have submitted two letters to the credit bureaus asking them to verify a collection I found on my credit report that I do n't recognize and I have n't gotten any responses. I have no idea what this company is or why it 's on my credit report.
Product: Mortgage

I was trying to pay off my balance on a HELOC ( over {$410000.00} ) with PNC Bank. They stated over the phone that the only way to pay the balance in full was to send a check or go into a branch. I was away from home and not able to do either, and they could not accept a wire or transfer for the amount of the balance. Instead, they allowed me to transfer from an external account but there was a limit on the amount and number of times I could do so ( had to be less than {$100000.00} and no more than once per 4 business days ). Therefor, it took me a series of nine payments over a two week period to pay off the balance- during which time they charged me additional interest payments. They also applied part of a payment to an interest only payment that was scheduled but not yet due. After the balance was paid off, they took an additional interest payment out of my checking account. If was able to pay off the HELOC when I wanted to I could have saved over {$5000.00} in interest payments. I've called over 5 times and escalated to supervisors, thus far no one has been able to help or provide a credit to the interest charges. It also appears that a further interest payment is scheduled for XXXX even though the balance remains at XXXX for the loan.
Product: Mortgage

its been a year and Shellpoint mortgage servicer is doing everything they can to hold onto the XXXX to repair my home. Where is the money I asked them in an interest bearing acct? They cant answer this question.They even had an inspector come to my home not telling me that they have a universal key and helped themselves into my home without permission several times not knowing until my neighbor said he was in my house too with hiim. My home is in foreclosure. The first half my insurance company paid out too much and wont help me get the money back. A contractor I hired took off with the first hallf. I order to release the funds Shellpoint said 50 percent will need to be done. Then fighting with them to understamd they asked for receipts. I provided many receipts. Then I provided an affidavid notarized stating i would be making the repairs myself, not good enoughThey complained could read ther, or illegible, not true. So then after more receipts equalling XXXX my point of contact XXXX XXXX in the loss draft dept says well the house has to be repaired 60 %, then XXXX, now XXXX percent must be completed. It took a year or more. Now she wants w-9s from the contractors. XXXXThese contractors have been notififed three XXXX of them died and I can not get. She has forced my home to go into forclosure because how can i pay for a mortgage and a rent? I am in the process of california mortgage assistance program to pay all of the money I owe and fees, ad i must be living in the home. So they have forced me and my chidren to live in the house with ice cold water and no heat.First they tol me there was no manager, then thery were all managers, my situation doesnt fit in a box.
Product: Money transfer, virtual currency, or money service

On or around XX/XX/XXXX /XXXX  XXXX. I used the app XXXX through my JP Morgan Chase account. I was told this app was a safe and secure way to send money. I have used this to send money to my sons in past. When I used it this time, my Son never received the money. I called the bank and to report this. I was told to file a claim. Next, I went to my local branch asking them to investigate where my money went. I was told both on the phone and in-person that an internal transfer had been made and the bank would have to contact the account holder to get it back. I explained MY SON DOES NOT HAVE AN ACCOUNT WITH CHASE SO IT COULD NOT HAVE GONE IN HIS ACCOUNT. Then I received a letter XXXX XXXX saying they would credit my account while conducting an investigation. Then on XX/XX/21, I received a letter saying they finalized their investigation and found no error on their part and they would be taking the {$1000.00} dollar back!!! This makes no sense to me because I DID NOTHING WRONG except trust the fact they would see the name on the account did not match my son 's name. I work hard for my money and I was just trying to help my son. He has XXXX  problems and had been out of work. Losing {$1000.00} is a hardship to me. I'm XXXX and don't have that kind of money to just write off.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thas violated my rights. 
15 U.S.C 1681 section 602A. States 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
Product: Credit card

I sent this Credit Card Company three INTERNATIONAL COMMERCIAL CLAIM WITHIN THE ADMIRALTY SELF EXECUTING CONTRACTS, They failed to respond back. These are the dates I mailed them certified mail. 

1. CO dates are as follows : first one sent XX/XX/year> - second one sent XX/XX/year> - third one sent XX/XX/year> Dates they received them are available on request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Aldous & Associates/ XXXX XXXX XXXX, XXXX XXXX Utah XXXX XXXX, United States XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/2022 NOTICE TO CEASE AND DESIST I am hereby notifying you ALDOUS AND ASSOCIATES that I refuse to pay this alleged debt in full accordance with 15 usc 1692c ( c ). I demand that you cease and desist all collections attempts and reportings on this alleged debt. 

I never signed a contract with ALDOUS AND ASSOCIATES and you have usedmy personal information without my consent. You have violated my consumer rights pursuant to 15 usc 1681b.

You have caused my phone to ring at inconvenience times, while Im even at work in with connection of this alleged debt without my permission. This type of harassment is strictly prohibited by law pursuant to 15 usc 1692d ( 5 ).

I am invoking my specified remedy as a consumer and account administrator with the demands listed below : 1. Stop negatively reporting and remove this alleged debt from all reporting agencies.

2. Stop infringing on my intellectual property rights immediately.

3. Provide an original contract with wet endorsement as well as a full audit trail of alleged debt.

Failure to comply with consumer demands will result in litigation.

I do not consent to XXXX or any other means of automated verification.
Product: Debt collection

Called in XX/XX/XXXX about this debt amount, was given a payoff amount of 282.00. One payment in XX/XX/XXXX and XX/XX/XXXX, they did get XX/XX/XXXX but debit the wrong date for the XX/XX/XXXXand then reported it on my credit report. I would like it to be taken off because it is erroneous. I did not know nor was I told that if they do n't get this payment they would report it to my credit report. I was given no time to respond to the debit the tried to take in XXXX they just immediately stuck on my report. No calls about the debit nor letters as to date I had to call them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is serious with Equifax, i noticed on their website i was a part of their data breach, they never mentioned it, so for the past 6 months i have did what they asked and submitted soc security card, license, and utility bill in XXXX, nove and XX/XX/2020, i finally receive something in mail today stating we can not locate your credit file. 

I keep trying to call i cant get thru the automated verification process because someone or something changed my answers, so nothing is matching. I put in my phone address etc nothing is matching. Equifax will not help me or address these issues other than to deny me access to my information by phone or by mail i have mailed proof 3 times and im fed up. I am a victim of the data breach i figures this out tonight and put in my social and it came back yes your information was affected, so im at a loss i need some help to get this problem resolved. 

Yesterday I received a letter from equifax my file is not found. Now i am trying to buy a car, my report is XXXX with XXXX and XXXX with XXXX but only XXXX with equifax, im so upset, this is destroying things for me. Equifax will not help me. 

Please help me Regards, XXXX XXXX XXXX, XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Product: Money transfer, virtual currency, or money service

Individual tried to purchase a saddle online from me and claimed to send the money to me but I received nothing, was scammed into sending {$400.00} and then individual continued to ask for more money ranging from {$1000.00} to {$2000.00} claiming their account was double charged. This was all through the " XXXX '' app supposedly, but followed suspicious activity. Has been reported to XXXX and the bank.
Product: Credit reporting or other personal consumer reports

I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. I am writing to express my grave concern regarding the presence of fraudulent and unauthorized accounts on my credit report, which are causing significant distress and financial harm. I am hoping that you take immediate and corrective action to address this issue in compliance with the FCRA. Attached you will also find my ID as proof of my identity and my Proof of Address.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute information on my credit report that I believe is a result of identity theft. I have attached a copy of the police report filed for this incident, which details the unauthorized access and use of my personal information.

According to my credit report, there are several accounts that I have not authorized or opened, and I request that you investigate and correct the inaccuracies in my report as per the Fair Credit Reporting Act ( FCRA ).

The following unauthorized accounts have been listed on my credit report : XXXX Account : Account Number XXXXXXXX XXXX XXXX XXXX Account : Account Number XXXXXXXX XXXX XXXX  Account : Account Number XXXX I dispute the accuracy and legitimacy of these accounts, as I have never authorized or had any dealings with the aforementioned companies. Therefore, I am not responsible for any debts associated with these accounts.

Under the FCRA, I kindly request that you : Conduct a thorough investigation into these accounts.

Provide me with the results of your investigation.

Remove the disputed accounts from my credit report if they are found to be inaccurate or unauthorized.

Correct any inaccurate information on my credit report.

I also want to bring to your attention the Fair Debt Collection Practices Act ( FDCPA ). If any debt collector is associated with these unauthorized accounts, they should cease any collection activities until the dispute is resolved.

Please provide a written response within 30 days as per FCRA guidelines. If the investigation is not completed within this timeframe, please notify me of the delay.

I appreciate your prompt attention to this matter and the correction of my credit report. If necessary, I am prepared to take further legal action to protect my rights.

Please remove or delete I can't purchase a home for me and my XXXX. I'm a XXXX mother that need assistance.
Product: Credit card

Subject : Demand for Immediate Removal of Charge Off and Violation of 15 USC 1681c-2 Dear Sir/Madam, I am writing to inform you that the 4 business days that you were given to block certain information in my credit report that I believe resulted from identity theft has passed, as per my rights under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2. 

The following information is not related to any transaction or activity performed by me : CAPITAL ONE - XXXX ( a ) BLOCK Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of I requested that these items be blocked from my credit report in accordance with my rights under the aforementioned law in a letter that reached you earlier.

Attached to these letters were copies of the following documents : 1. Proof of my identity 2. A copy of the identity theft report, ( I have a Federal Trade Commission Identity Theft Report and/or a police report ) 3. A statement explicitly declaring that the disputed information does not relate to any transaction or activity performed by me.

I respectfully request that you act promptly on this matter, as the law requires you to block the reporting of this information no later than four business days after the receipt of these documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION has made false statements and caused harm to my personal reputation which is a defamation of character.
Product: Credit reporting or other personal consumer reports

This is my numerous 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 ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX  XXXX XXXX Balance : {$100.00} ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting

This is a follow-up to a current complaint about XXXX. I am providing documentation that shows my account has never been late, but the payment status indicates more than 90-100 days late. This incorrect information has significantly lowered my credit score.
Product: Credit reporting or other personal consumer reports

Continue to report negative information to credit after charge off. 
No 1099 sent for profit loss or charge off
Product: Credit card

On XX/XX/year>, I used my XXXX Citi credit card to purchase a full appliance package from XXXX XXXX. The purchase was prepaid for future delivery. After multiple delays and lack of communication, the items were finally delivered. However, the XXXX refrigerators ( valued at {$8300.00} total ) arrived missing required installation partsspecifically, the trim kits and hinge components needed to properly install and operate them. 

I contacted XXXX repeatedly in good faith, but received no resolution. I later found out the company is now in liquidation and permanently shutting down, with no further customer support or parts fulfillment. 

I contacted Citi to dispute the charge, but was told they are unable to assist due to the XXXX limit. However, this was a delayed fulfillment with clear evidence of merchant failure, and I am requesting the Consumer Financial Protection Bureau help resolve this issue. 

Im asking for Citi to allow a partial refund or chargeback on the refrigerator portion of the charge, due to undelivered and unusable merchandise and merchant insolvency. I have documentation of the purchase, photos of the missing parts, and screenshots of XXXX closure announcement.
Product: Credit reporting or other personal consumer reports

I have XXXX credit cards with XXXX XXXXXXXX. During the beginning of the Covid 19 pandemic, I lost both sources of income. I was working as a XXXX XXXX XXXX XXXX and an XXXX XXXX at XXXX XXXX over Georgia. I was unable to make the credit card payments in XXXX and XX/XX/XXXX and it was reported on my report as late payments. I contacted XXXX XXXX and was informed that the late payments were valid and could not be updated. I inquired about the CARES Act regarding late payments due to being impacted by job/income loss. 

I recently spoke with a representative at XXXX XXXXXXXX on XX/XX/XXXX regarding the possibility of having the late payments removed due being impacted by COVID 19 pandemic and my request was declined.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : Equifax : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Dear Sir/Madam, on XX/XX/2018 I paid to GM Financial in full the lease end fees. Since then they have been trying to collect the fees again even after I sent them the copy of the cashed check to them. It has been five months since I paid the fees. Every month they are sending me billing invoice and every month I have been sending them the copy of the cashed check and an explanation letter. I don't see an end to this constant harassment so I am hoping you can help me with this matter.

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

In accordance with the Fair Credit Reporting act ; XXXX has violated my rights via a UNAUTHORIZED credit inquiry on XXXX. 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.
Product: Credit card or prepaid card

I immediately recognized two new charges for {$150.00} and {$49.00} as fraudulent on Sunday XXXX XX/XX/2022. Capital one ( my credit card bank ) initially reversed the charges. About a week later a package arrived at our house. It contained XXXX bottles of non-FDA approved " nutritional supplements '' that neither my wife nor I ever ordered. Obviously these products were ordered with our stolen personal information including address and credit card number. The company then submitted the delivery verification as proof to win the fraud investigation. The problem is that neither my wife nor I ordered these products and they are not something we ever even would consider ordering. The company ( referenced not by name and only as a phone number on the return label ) will not accept the package for rreturn, telling me that because I disputed the charge they won't take the product back ( even though they got paid ). The supervisor at capital one admitted that no one really even knows who the merchant is because they use a third party credit card processor paynexio.com. XXXX has no interest in solving this because " the product was delivered to my house '' so under their rules it can't be fraud. To me, using my stolen info to order worthless pills and sticking me for {$200.00} is fraud
Product: Student loan

Hello, I am working to fix my credit scored but Navient has marked my credit by stating that I have multiple late payments. There are TEN ( 10 ) student loan accounts open and each account has 9 missed payments. That has caused a total of 90 missed payments on my credit score ( a majority in XXXX and several other months missing information ) which is preventing me from purchasing a home or, more importantly, fix my credit. I am XXXX years old, trying to build my life. Taking the problem one step further : the student loans I have is for the University of XXXX which has closed all of its campuses in the XXXX XXXX. At first, I was attending the XXXX, CA campus ; it closed down. I was moved to XXXX, CA and XXXX XXXX, CA ; also closed down the campuses. I was then moved to XXXX, CA which also closed down the campus. I was forced to take online classes which dramatically increased the cost of all of my classes. I did not sign up for online classes when I first registered for this school, yet I was forced to do them because of all of the campuses being shut down. 

Not only is Navient hurting my credit significantly, but I am also stuck in paying a large amount of money for a school that kept closing its doors and sticking me with more expensive classes. 

Below is how my credit is listing the Student Loans : " There are 90 late or missed payments on your report. 
Payment history is important because it helps lenders gauge how likely you are to pay on time in the future. '' STUDENT LOANS XXXX XXXX XXXX/navient - XXXX XXXX Missed Currently on-time XXXX XXXX XXXX/navient - XXXX} XXXX Missed Currently on-time XXXX XXXX XXXXnavient - XXXX} XXXX Missed Currently on-time XXXX XXXX XXXX/navient - XXXX XXXX Missed Currently on-time XXXX XXXX XXXXXXXX/navient - XXXX} XXXX Missed Currently on-time XXXX XXXX XXXX/navient - XXXX XXXX Missed Currently on-time XXXX XXXX XXXXnavient - XXXX XXXX Missed Currently on-time XXXX XXXX XXXXnavient - XXXX XXXX Missed Currently on-time XXXX XXXX XXXX/navient - XXXX XXXX Missed Currently on-time XXXX XXXX XXXX/navient - XXXX} XXXX Missed Currently on-time STUDENT LOANS XXXX I hope that there is something that can be done for this unfair treatment. This school is a trap and Navient has only put me in debt for the rest of my life. 

I thank you again for the time you have spent reading this correspondence. 

-XXXX