23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Related cfpb Case # XXXX Office of Controller of Currency Case XXXX Wells Fargo latest response dated XX/XX/XXXX, clearly shows their error yet they don't notice they made said error. 

1 ) Exhibit 1 : Letter XXXX : Page 1 last paragraph, 2nd to last last sentence clearly defines Wells Faro error : " We confirmed all documents match for vesting as indicated on the Uniform Residential Loan Application that was completed '' 2 ) Exhibit 2 : Uniform Residential Loan Application : Top Section 2nd to last line : Left Box : Title will be held in what Name ( s ) : XXXX XXXX and XXXX XXXX Next box : Manner in which Title will be held : Joint Tenancy XXXX XXXX signed said Document XX/XX/XXXX XXXX XXXX signed on XX/XX/XXXX XXXX ) Exhibit 3 Original Vesting was Joint Tenancy per Reconveyance. 

Problem : Wells Fargo put vesting of Title ( Grant Deed ) as Tenant in Common Wells Fargo changed Tenancy and after Parents died XX/XX/XXXX I discovered said error so I a XXXX personI no longer owned my home. ( Documents were sent to Wells Fargo not me ) See PDF called : Granted What should be in Grant Deed they say they don't create yet they caused the issue to change it to Tenancy in Common v Joint Tenancy as Wells Fargo previously citified on Exhibit 3, yet was in Uniform Residential Agreement.
Product: Debt collection

I have requested to provide proof of the debt, copy of statements, State the amount of the debt when you obtained it, and when that was, etc ... They were not able to provide any proofs and continue to report the debt to the collection agencies.
Product: Debt collection

Was living in a home that was being managed by XXXX XXXX Rental Address : XXXX XXXX XXXX, XXXX, GA XXXX Phone : ( XXXX ) XXXX we complained of smelling mold in the home. they had people to come out to try to fix the problem with no success. we gave them 30 days notice informing them we could not live in the home due to smell since we had children. they tried to make us stay until they found a new tenant. due to our safety we left after 30 days of finding a home and they put this on our credit without us knowing
Product: Credit reporting or other personal consumer reports

I asked for the credit bureau to remove a balance from an auto loan that was totaled out by the insurance company.. the debt on my credit report caused my credit score to go down which triggered the credit card companies to close mg account or drop my credit limit. It was a snowball effect and has put me in a bind every since.
Product: Credit reporting or other personal consumer reports

I have repeatedly sent certified letters and called to try to get inaccurate information included in these attachments removed from credit report and you have continually denied providing me the correct information to verify these debts. Please take these included attachments as last notification of what I need or remove the entries from my credit report before I look toward filing litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, an account with XXXX XXXX XXXX was opened for the amount of {$1300.00}. The primary borrower purchased a new home in XX/XX/XXXX and was no longer receiving statements from the borrower leaving the account delinquent. After approximately a year of no payment, the original debtor, XXXXXXXX XXXX XXXXXXXX XXXX, sold the account to XXXX , XXXX. XXXX , XXXX   contacted the Clerk of Court XXXX County and Summons the borrowers to court to address unpaid balance. Both borrowers appeared in court in XX/XX/XXXX and went through mediation to resolve the debt. Each party agreed on an amount per month to satisfy debt. The Borrowers paid consitently on the account and the account was brought to XXXX balance in XX/XX/XXXX. XXXX County Court filed a motion dismissing the case as the borrowers satified their agremment. The borrower for the above account is requesting that this account be removed from their credit report. The account is showing as closed/ negative due to charge off. Debtor has paid balance and fufilled their obligation and this information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion had an incorrect item on my credit report. I signed up to XXXX website to dispute their mistake and they enrolled me in a $ XXXXmonth credit monitoring program without making that clear. I did not know I was enrolled in this until I got a receipt from my order. If there was a box for enrolling in this on the sign up page, I certainly did not click it. It must be an opt out system, which is incredibly crooked, especially considering I was creating an account to dispute their mistake. They essentially blackmailed me into paying {XXXX.
Product: Debt collection

Over the past month I, along my family members, neighbors, coworkers, distant acquaintances, and people I have no relation with have received phone calls that begin at roughly XXXX XXXX  and last well into the XXXX XXXX hour from XXXX XXXX XXXX, regarding either a " very important educational matter '' or " a very important business matter that we working one for her ''. When these other people are called and let them know they have no contact information for me, the representative on the phone ( sometimes a woman named XXXX, sometimes a woman named XXXX, or a man ( not sure of the name ) will become very verbally abusive. For example a colleague that I only know in passing received a call on her cellphone. When she indicated she knew my name but had not personal contact information on me XXXX told her that she was clearly lying and could face legal action. 

When I have returned their phone calls I am immediately asked to verify my entire social security number, which I will not give over the phone. I have asked that this company sent me whatever their business is with me in writing and I, along with my attorney, would address whatever they need then, but I have received nothing. 

I have asked repeatedly to stop calling me because I will not give anything in writing but it continues. As I typing this a social media friend who I have not been in contact ( outside of social media ) in more than 10 years sent me a message stating that this company just contacted her and when she told them that she had not been in contact with me for many years, she was asked to try to locate me and call them back with a contact number. She asked them how they got her number and was told she was a reference ( which she is not ).
Product: Mortgage

They have failed to pay our insurance premium that they are collecting escrow for. I have been trying to get them to pay it since XX/XX/XXXX. The insurance premium was due XX/XX/XXXX. I was contacted by my insurance agent for non payment on XX/XX/XXXX. 
XX/XX/XXXX spoke to and emailed insurance invoice and XXXX XXXX XXXX XXXXXXXX. She advised it will be paid. 
XX/XX/XXXX advised by my insurance agent that my policy had been cancelled for non payment on XX/XX/XXXX. I have had no insurance on my property from XX/XX/XXXX to XX/XX/XXXX due to their negligence. I had to pay out of my own pocket to reinstate my policy. 
XX/XX/XXXX spoke to and emailed XXXX ( XXXX ) at Fay Servicing. He advised he would email insurance dept and they will overnight payment to insurance company. 
XX/XX/XXXX spoke to XXXX at Fay Servicing. She emailed insurance dept to find out why it's not paid. 
XX/XX/XXXX spoke to XXXX at Fay Servicing again. Payment is being overnighted, XX/XX/XXXX spoke to XXXX XXXX at Fay Servicing. He says the insurance dept said the address is wrong on the insurance policy but he can clearly see that it's the correct address. He is advising insurance dept of their mistake and telling them to pay. 
XX/XX/XXXX emailed XXXX and XXXX for status. never received a response XX/XX/XXXX emailed XXXX and XXXX for status. never received a response XX/XX/XXXX emailed XXXX and XXXX for status. never received a response XX/XX/XXXX as per XXXXXXXX XXXX Fay, it's still not paid. He says it will be paid by the end of the day. 
XXXX spoke to XXXX at Fay. He advises that it's not paid yet. Asked to escalate and speak to a supervisor. As per XXXX the supervisor : she is escalating and the premium will be paid. Said it takes XXXX days. XXXX minutes on the phone XX/XX/XXXX called and was advised the same thing. that the payment was not made and that it will take XXXX days. XXXX minutes on the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regard to the inaccurate items on my credit report. It has been well over 30 days and I have not received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2018 I CONTACTED EQUIFAX IN REGARDS TO FIVE FRAUDULENT ACCOUNTS THAT APPEAR ON MY CREDIT FILE. IN ACCORDANCE WITH SECTION 605B OF THE FCRA I WOULD LIKE TO HAVE THESE ITEMS BLOCK FROM MY CREDIT FILE.
Product: Debt collection

In its response dated XX/XX/2023, Navient claims that it has no record that my Private Signature Student Loan was XXXX by means of a bankruptcy order. However, this is completely false as I submitted the documents to Navient 's representative named XXXX XXXX who acknowledged receipt of the documents. Moreover, I attached the bankruptcy documents with my complaint which was sent to the CFPB I am once again attaching the bankruptcy documents previously attached
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. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX  XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX of A # XXXX Account name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX # 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

This Discover credit card account was resolved and closed in XX/XX/year> yet it still shows on my credit report, its been well over 7 years and its still on my credit report destroying my credit and not allowing me to ever have a future with Discover again
Product: Money transfers

After being a loyal user with Paypal for 7 years, my account has suddenly been imposed limit use in XXXX, 2015. I could n't get access to the my money in the account. During the 7 years, I always abide the policy of Paypal. I contacted Paypal immediately but was n't given any reason why the restriction was imposed. In fact, I was told by the agent that " There is no reason. We do n't want to serve you and recommend you use other service ''. I was further shocked as being told that any money in the account would be locked for180 days, and Paypal would contacted me then to give guidance for the refund. In fact, more than 180 days have passed but I have n't heard anything from Paypal. Emails to Paypal only bring automatic reply with general instruction. 

I consider it as a fraudulent behavior. Paypal has no right to lock my money for more than 180 days out of no reason and without even paying any interest. I request immediate refund and apology for its irresponsible and abusive behavior to consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Step 1 : What is this complaint about? This complaint is related to a problem with Transunion and XXXX displaying a public record ( bankruptcy ) inaccurately on my credit report.

Step 2 : What type of problem are you having? The problem is I reached out to U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, which is the issuer of data on my Transunion and XXXX credit report, to see how they receive information to put in my credit report. To my surprise, the courts informed me that they do not issue out information to the credit companies.

Step 3 : What happened? I then reached out to Transunion and XXXX disputing the item ( public record ) but their investigation resulted into a verification with the data issuer, but how can they say they verified it with the data issuer when the enclosed letter I have provided clearly states that they ( the court ) does not issue out information to credit companies. As a result, I froze my XXXX XXXX, XXXX, and XXXX accounts considering they are the leading providers in giving 3rd party information. Considering that this is reported inaccurately, I would love for you to have them remove the public record off of my XXXX  and Transunion credit Report.

Step 4 : What company is this complaint about? The companies I am complaining about or Transunion and XXXX, XXXX XXXX, XXXX, and others.

Step 5 : Who are the people involved? Myself XXXX XXXX XXXX and the employees of Transunion, XXXX, XXXX XXXX, XXXX, and XXXX. 

Please help me. This is terribly effecting my score.
Product: Mortgage

Dear CPFB, I closed on my new home XX/XX/2022. After closing, my initial payment was reduced ( please see attached supporting documents ). On numerous attempts, I have tried to make sure that my tax liability was correct and that the {$98000.00} was the tax assesment for XXXX 

After multiple attempts to speak with a mortgage expert, my mortgage has changed three times. However, I can not get help through PNC. I am very confused. I spoke with the XXXX and was advised to contact this agency. It is my hopes that CFPB can help me get this issue resolved. 

With sincere appreciation, XXXX XXXX XXXX
Product: Mortgage

I received a notice from XXXX XXXX in XX/XX/XXXX that I was behind with one of my accounts and so I logged in and it was my mortgage company, M & T Bank. I had made all of my payments on time and even paid XX/XX/2019 payment in XX/XX/XXXX. I went through my bank statements just to make sure and yes, I had made every single payment, there just was not one listed for XX/XX/XXXX because I made it on XX/XX/2019. I emailed the company on their website listing dates and amounts that were paid ( I have attached a copy of the email and their response ) The XX/XX/XXXX payment was made on XX/XX/2019 for the payment amount of {$490.00}. The payment I tried to make early for XX/XX/XXXX was paid on XX/XX/2019 in the amount of {$560.00}. I paid extra to pay down late fees that I have incurred. Imagine my surprise when in the response from the bank, they told me that they did not show me making a payment of {$490.00} on XX/XX/2019. She asked me to fax the information over if I had proof otherwise which I did on XX/XX/2019 at XXXX XXXX, I am attaching the fax confirmation sheet. On Friday, XX/XX/2019 I received a letter from the bank dated XX/XX/2019 stating that they will investigate and let me know what they find. The letter states that I owe for XX/XX/XXXX ( which I do not ) and now it is XX/XX/XXXX and I owe for XX/XX/XXXX also. My credit report shows that I did not make a payment for XX/XX/XXXX, which is false, I sent them a statement from every month showing all of the payments I made. I also had a problem with my mortgage insurance and had to get new. My new company sent them the information in XX/XX/2019 to have insurance begin XX/XX/2019 and to be put in escrow. The company did not pay the bill for the escrow and beginning XX/XX/2019 raised my payment to include their insurance. My payment went from {$490.00} a month to {$780.00}. They would not accept payment for the mortgage only and did not pay the escrow for that. So I went back to the insurance agency and did a new policy that began in XX/XX/2019 but I still had to pay the outrageous amount of {$800.00} because they still did not pay the escrow and I had bounced a check so I added the {$20.00} to that payment, which I told the girl when I called that is what it was for, and yet it still shows I owe a {$20.00} NSF fee which I have attached a copy of my online account because it also STILL shows I owe for XX/XX/XXXX and now XX/XX/XXXX. As of today, XX/XX/2019, they have not paid my insurance to escrow and it will be cancelled on XX/XX/2019 if they do not. I have gone back and forth with this company and they are never willing to help even when it is their fault. I can't afford to pay XX/XX/XXXX and XX/XX/XXXX and so I will be going into default soon.

Thank you XXXX XXXX - XXXX M & T Bank is my mortgage company account # XXXX  Their phone number is XXXX
Product: Credit reporting or other personal consumer reports

I woke up this morning to find inaccurate accounts on my credit report, and Im completely baffled as to why this is happening. I regularly check my report, but this time, there were errors out of the blue. I even refreshed my browser, hoping it was just a glitch, but it wasn't. The incorrect accounts stayed. Im really hoping the documents I've provided are reviewed carefully so that I never have to stress over this again.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ), 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 ), states 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: Debt collection

I signed up for XXXX XXXX XXXX XXXX. I rec 'd the router and hooked it up. It would not work in my area. On XX/XX/2021 I returned the router, closed the account and I was told I do not owe a balance. Return order # XXXX. XXXX XXXX  # XXXX. 
They keep billing me and have turned it over to collections Convergent acct # XXXX I have tried calling XXXX and they keep transferring to diff. depts. and putting me on hold.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a medical collection account reported on my Experian credit report. The account details are as follows : XXXX XXXX. XXXX and XXXX have already deleted this account from their reports. I am requesting its immediate removal from Experian, as it violates the provisions of 26 U.S. Code 9816, which limits the reporting of certain medical collections on consumer credit reports. 

Additionally, this account is in violation of 15 U.S. Code 1681a ( 3 ), which restricts the sharing of medical information, and 15 U.S. Code 1681b ( 4 ), which limits the redisclosure of medical information. The inclusion of this account on my credit report breaches my rights under these statutes and further underscores the need for its immediate removal. 

This account does not meet the legal criteria for continued reporting, particularly if it stems from circumstances covered by these statutes. Furthermore, I have not received sufficient documentation or verification from the collection agency proving the validity of this debt. Without proper validation, the account must not remain on my credit report. 

I demand an immediate review and removal of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent certified letters to XXXX, XXXX, Trans Union and other companies to conduct an investigation to verify inaccurate information on my credit report. It has come to my attention that a proper investigation was not initiated on my consumer report. I am a victim of unfair and abusive tactics to properly collect debt from different individuals, partnerships, corporations, trust, agencies or other entities. I have a right for protection as a consumer. To my knowledge I have been violated under certain laws listed below. 
According to the law 15USC1681a ( d ), ( i ) ; 15 USC 1681a ( c ) Exclusions-Paragraph ( 3 ), ( i ) Does not include consumer report containing information solely as to transactions or experiences between the consumer and person making the report. 15USC1681 ( i ) Subject to subsection ( f ) and except as provided in subsection ( g ). has been violated. I have not given any written or signed consent to furnish information to disclose on my consumer report. I have enclosed copies of my letters and certified receipts along with the credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Saturday XX/XX/2018 I was on XXXX seeking information on an home loan rate. I had been pre-approved by a mortgage lender and was trying to determine how competitive his rate was. I was lead to believe from the information listed on the site that the result would be the days mortgage rate listed for different mortgage lenders. My purpose on the XXXX was simply to rate a rate quote for a home loan. I had no intentions of applying for a loan with them or any of their affiliated lenders. 

I later received a notification from a credit monitoring service that I had a new credit inquiry from an auto lender ( XXXX ) which is a division of XXXX XXXX. I in no way had any interest or desire to apply for an auto loan. 


I attempted to resolve the issue with both XXXX and XXXX and was told by their employees that simply by clicking a butting on their site I was applying for an auto loan and could be matched with up to five lenders. After informing both sites that I was not made expressly aware of the fact that I was making an auto application, I was told that their disclosures on listed on the site and it was my fault that I did not read. 
There is nothing in the click stream that I followed that expressly or otherwise communicated to me that I was applying for an auto loan and that application would result in a credit inquiry. The site is created in such a way that leads the consumer to believer that they are simply answering questions for information sake. I was completely unaware that by answering some questions on XXXX to receive a mortgage quote I could be applying for an auto loan. 

It is my belief that their practices are extremely deceptive and unfair to customers. They should make it explicitly known that the customer is applying for credit and require an explicit acknowledgement from the customer to that fact.