23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was forced to sign pretender lender loan servicer {$750000.00} loan modification settlement, over {$200000.00} more then the Option One Mortgage loan that was paid in full to avoid Ocwen 's fraudulent trustee sale. Attached is email communication between Ocwen scum lawyer " XXXX XXXX '' denying my written request to have the right to discuss my matter before a congressional hearing before congress. Ocwen scums thought I would bend over and obey. The XXXX is aware of my matter and is correctly scheduling a hearing. So, get ready scums. Even if pretender lender loan servicer OcwenLoan Servicing is successful fraudulently auctioning off my home I will still fight till justice is served and I get my home back.
Product: Credit reporting or other personal consumer reports

Explain this XXXX XXXX XXXX  XXXX .... Projected completion date : XX/XX/XXXX  XXXX XXXX XXXX XXXX .... Projected completion date : XX/XX/XXXX  XXXX XXXX XXXX XXXX Projected completion date : XX/XX/ XXXX XXXX XXXX XXXX. 
Projected completion date : XX/XX/XXXX  XXXX XXXX XXXX XXXX .... Projected completion date : XX/XX/XXXX  XXXX XXXX XXXX XXXX .... Projected completion date : XX/XX/XXXX  XXXX XXXX XXXX XXXX .... Projected completion date : XX/XX/XXXX  XXXX XXXX XXXX XXXX .... Projected completion date : XX/XX/XXXX  XXXX XXXX XXXX XXXX .... Projected completion date : XX/XX/XXXX   XXXX XXXX XXXX  XXXX .... 
Projected completion date : XX/XX/XXXX  XXXX XXXX XXXX  XXXX .... 
Projected completion date : XX/XX/XXXX  XXXX XXXX XXXX XXXX Projected completion date : XX/XX/XXXX  XXXX XXXX XXXX XXXX .... 
Projected completion date : XX/XX/XXXX  XXXX XXXX XXXX XXXX .... 
Projected completion date : XX/XX/XXXX  XXXX XXXX XXXX XXXX Projected completion date : XX/XX/XXXX  XXXX XXXX XXXX  XXXX .... Projected completion date : XX/XX/ XXXX XXXX XXXX XXXX .... Projected completion date : XX/XX/ XXXX XXXX XXXX XXXX .... 
Projected completion date : XX/XX/XXXX  Do your job you tried to shove this up your XXXX But you need to finish the job on these XXXX  dispute you disgusting piece of how you sleep at night I cant cant sleep because of this XXXX  that have XXXX me the XXXX off Experian refused to remove or comply or follow rules regarding filing a dispute because Im XXXX is discrimination based off my gender is discrimination. What white woman filed to have her student loans removed and they was removed This is an ongoing issue, and somebody need to pay This is the only information I have regarding the prior dispute the law dont require me to keep on Filing disputes on the same credit issue but the law requires Experian to do there XXXX job with out being XXXX or targeting certain minorities, based off their race and gender The CFBP needs to investigate this company. Im going to make sure that this issue was escalated. Im gon na make sure that somebody is fired and unable to hold another position in the credit bureau companies.
Product: Mortgage

I tried to submit this complaint on this past Friday or Saturday night. But for some reason it doesnt't seem to have registered. 

Wells Fargo Home Mortgage, on their system had me registered as completely current with my mortgage as of the end of XX/XX/2019. This was accurate and correct. I called them and complained about some errant late pays ( 11 of them to be extant ) that they reported on my credit report. I also filed a complaint with the CFPB about Wells Fargo 's negligence. 

Then all of the sudden Wells Fargo sends me a letter on XX/XX/2019 saying that I am 31 days late on my mortgage, saying that I owe over {$3000.00} and also charging me late fees. 

Then Wells Fargo sends me another letter on XX/XX/2019 saying that I am now 32 days late on my mortgage, and stating that I owe over {$3000.00} and tacking on more late fees. 

First of all... .where did they get this from? It's totally made up. 
Second of all... this extreme level of incompetency and reckless abandon with which they are willing to operate also is a clear indication of their fault on my previous claim submitted. 

I have attached both letters and you can see they have arbitrarily reversed payments and 'unapplied ' payments thus creating some large fictitious 'overdue balance ', which they also conveniently have applied some retroactive Late Charges.. .for this make believe 'overdue balance ' that they have fabricated by simply manipulating numbers on a spreadsheet. 

Again, I pay MORE than the $ XXXX/mo mortgage amount EVERY month via my XXXX XXXX auto bill pay. Only because Wells Fargo 's negligence and predatory loan practices prevented me from closing on my house a few weeks ago that has me more closely looking at my mail. That is the only reason that I noticed these two letters that were sent ( they looked like the normal billing statement, and since I pay MORE than the required mortgage payment, every single month via auto bill pay.. .I would not have a need to look at the monthly statements ). So because I had an existing claim, it caused me to examine the mail that they sent, which hopefully will allow us to catch this inaccurate 30 plus day late claim before it shows up on my credit report. 

The last time we were not as lucky. And there faulty/negligent/incompetent practices damaged my credit rating and I was forced to suffer for their incompetence. This should not be allowed. Wells Fargo should not be allowed to get away with this. They should be stopped. No telling how many other people that they are impacting in a similar unfair and unjust manner.
Product: Debt collection

They email my ex wife to try to get to me they should have no contact with her the Debt company is LVNV They bought it from XXXX XXXX  compabout 12 years ago the amount is for {$410.00} they should not contact her to get to me
Product: Credit reporting, credit repair services, or other personal consumer reports

Wanted to set up appointment with XXXX XXXX XXXX. They did not disclose the fact that they were running a hard-pull on my credit report. They were of no assistance on setting up a solution to have them removed. Did not provide social security number to them.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
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 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 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
Product: Checking or savings account

To whom this concerns, I have been unable to reach your company in regards to the effects of identity theft. As I am a victim of identity theft. I learned when attempting to open an account with you that my identity had been used to open what appears to be a checking and savings account. 

I have reported this identity theft to the FTC. I have not ever opened a checking or savings account with capital one. I would like to in the future as I have had auto loans and other products there in the past. It appears this checking and savings account were opened online per your fraud department. Once again I did not open any XXXX accounts ever at your bank. I am a victim of identity theft and I would like to know who opened these after my wallet was stolen.
Product: Mortgage

LoanCare, my previous mortgage servicer, shorted my escrow account by {$1800.00} more than two months ago and has still not refunded my money. I have tried to resolve this matter through ( at least ) 16 phone calls to LoanCare dating back to XX/XX/2019. Each call was answered by a call center representative who was unable to help me. After several calls, I began to ask to speak with a supervisor. I would then get routed to the supervisors extension where I would be placed on hold for 30 to 40 minutes before my call was answered. I recall that on at least three occasions my call was disconnected. 

Here is what I have learned through my phone conversations with LoanCare staff and a review of my payment history which I accessed from LoanCares website ( See attached document ; I have highlighted the key transactions in yellow. ). 

On XX/XX/2019, my account was mistakenly credited with another borrowers payment in the amount of {$1800.00}. 
The {$1800.00} was promptly refunded to the other borrowers account, also on XX/XX/2019. 
A second transfer of {$1800.00} was mistakenly made from my account to the same borrowers account on XX/XX/2019. So, the borrowers account contains {$1800.00} that is my money. 
XXXX at LoanCare researched my complaint and acknowledged these errors in our XX/XX/2019 phone conversation. She acknowledged that I was owed the {$1800.00}, which would be refunded to me. She advised that I was to receive a phone call from LoanCare as early as the following Monday ( XX/XX/2019 ) to confirm that the check would be sent. I have yet to receive the call or the check. XXXX has been the LoanCare employee most responsive to my situation ; however, I have not been able to reach her for status, even though I have left messages for her to call me with two other employees.
Product: Checking or savings account

Hi, I'm trying to file a complaint about an ongoing issue. I'm not sure that I've followed the correct prompts or that I'm reporting the most appropriate agency. 
The issue is that i currently have multiple injuries due to mostly work related incidents. I'm awaiting further medical treatment and unfortunately can not work until these medical issues are resolved. They interfere with my daily functioning. 
However, there seems to have been a gross level of privacy violation. I am currently involved in a housing program that requires either participants are gainfully employed or they must receive Social Security. My Social Security benefits were denied as they claim medical records from one of my treating providers weren't submitted. The hospital claims that..that isn't true. 
In the meantime, I reside in a group setting that is not really good for my mental or physical health. The participants dress up in bank colors... .red and yellow.. ( Wells Fargo ) ... .royal blue and white  ... ( XXXX ) and start violent arguments in closed confines. I think the thought is they're going to cause a staged raucous. And a result gain access to a purse and a bank card. There have been multiple violations with lost property at the security check..including items such as social security cards XXXX and driver 's licenses. I have made several police reports yet highly dysfunctional behavior continues. Thank You for your time and effort in resolving matters of this sort.
Product: Credit card

My AMEX credit card autopay was tried ~3 days before the due date. I called and figured out how to transfer enough $ $ into my AMEX checking so that the autopay would go through, incurring a fee for wire transfer. 

The autopay posted successfully on XX/XX/year>2025. Yet I was still charged for a returned payment fee on XX/XX/scrub> 2025, despite the fact that I did everything on my end to make sure the payment posted, and the payment did post. 

I called and was told the fee could not be waived. I also messaged on americanexpress.com, explained I have a relationship with both Card and Bank, still no waiver. 

I find this unfair, given that the payment actually posted. In addition, I have autopay set up, I had never had a payment returned and I actually wired money into my AMEX checking incurring fees
Product: Checking or savings account

On XX/XX/XXXX and on XX/XX/XXXX I processed ACH payment to two of my business vendors. Neither vendor received those payments, which together amount to over {$1100.00} On XX/XX/XXXX I filed claims. 
On XX/XX/XXXX I was told that it could take the bank up to 45 days to reach a " determination ''. 
In the mean time, I have to pay the vendors again. 
I was also told that the bank would not compensate any late fees due to the bank 's failures. 
In addition, this situation is due to the bank 's failure to continue access to their Bill Pay feature, which is how I've paid vendors for a decade. They changed service providers and did not include my account in the transfer. I filed a complaint 6 weeks ago, and their response is that an " open ended '' investigation is ongoing.
Product: Student loan

I took out a loan to go to school total of {$6400.00} in XXXX The school after a few months refunded the loaning company {$1500.00} XXXX XX/XX/XXXX ) I have been paying on this loan since I took the loan out. I missed a few payments in XXXX and talked with the company about setting up an autopay option. I was told that by doing so I was assured to pay off the loan faster. They ( Navient ) but me on a 20 year variable interest rate loan which I didn't agree to. I have been doing the auto-pay option since XXXX and they will take $ XXXX {$100.00} a month. After a few years I went to try and log onto my account online but couldn't, I got a message that the account was invalid. Money still was being taking out of my account. Recently I closed that checking account forgetting about the auto-pay to Navient. 

I have gotten numerous threatening calls at least 6 times a day. 
So I looked into how much I have paid on this loan, {$12000.00} on a loan for {$6400.00}. Navient claims that I still owe them {$3400.00} because it is a 20 year loan. 

I have put in request to speak with their Ombudsman, I have gotten a few responses but no resolve to my issue. Only that they are going to look into it further.
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMCB CARD Bank Credit Cards Inquiry date : XX/XX/2022 2022
Product: Debt collection

Trans world Systems sent collection notice to me collecting on a account that I had previously disputed with the credit bureaus to be fraudulent
Product: Credit card

My interest rate has gone up from {$19.00} a month to {$99.00} a month. Minimum payment is {$130.00} and interest rate is {$99.00}. 
What is going on and can you fix this problem.
Product: Credit reporting

I wrote to the creditors, Experian, XXXX and XXXX regarding credit inquiries on my credit reports approximately 3 months and I am still waiting to hear from them. I have asked them to provide written proof showing that I authorized XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX to pull my credit. I did not apply for any loans or credit card with these companies. I need these inquires to be removed from my credit report. I will be contacting the State Banking Commission regarding this matter.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX OH XXXX ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXBalance : {$0.00} ; XXXX XXXX Balance : {$1800.00} ; XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally dispute the claimed debt identified above. Despite my previous attempts to provide relevant information, I received an email from Experian on XX/XX/XXXX, indicating that my request to block information was made on a material misrepresentation or error. This response is unacceptable, particularly given the sensitive nature of the matter and the legal implications involved. 

To clarify, I have already submitted numerous pieces of information about this account, including a certified mail sent to Experian on XX/XX/XXXX. This certified mail included copies of the FTC complaint, police report, identity theft affidavit, utility bill, copy of driver 's license, copy of my Social Security card, and a copy of FCRA Section 609 ( e ). As a consumer disputing claimed debts under the US Constitution and the law of California State and US Federal Law, I reserve and invoke all legal rights to which I am entitled. 
I wish to remind you that by violating my FCRA 609, the Truth in Lending Act, the Fair Credit Reporting Act, the Equal Credit Opportunity Act, the Fair Credit Billing Act, the Fair Debt Collection Practices Act, the Electronic Funds Transfer Act, and the Fair and Accurate Credit Transactions Act, you are putting yourself at legal risk. You may be liable for your willful noncompliance, as seen in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.CaI. Nov. 14, 1995 ). Therefore, I urge you to take immediate action and remove this inaccurate and incomplete information, specifically the XXXX XXXX XXXX account number XXXX, within the next 30 days. 

Should you fail to comply with this request, I will be left with no choice but to file a formal complaint with the Federal Trade Commission. Furthermore, if this final request does not prompt you to conduct a proper investigation of this account in question and provide me with proof of said investigation, I will be forced to file a civil suit in my county for damages. Please be advised that I take my credit very seriously and your lack of professionalism and assistance is deeply disappointing. 

I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum. I urge you to handle this matter with the utmost urgency and professionalism and to comply with my request as outlined above.
Product: Vehicle loan or lease

Innovate Auto Loan bought my loan from XXXX XX/XX/2018. Both XXXX and My innovate loan  and XXXX XXXXXXXX XXXX are reporting on my credit like I have 2 loans on ONE CAR. The payments i made to XXXX this year stopped reporting after XX/XX/XXXX. They need to be updated and the account needs to be closed. My Innovate loan is NOT reporting my current auto payments to the credit bureaus accurately they have my current monthly payment listed as {$390.00} a month its actually {$360.00}. They just updated my credit report to ONLY reflect the month of XX/XX/XXXX but made it seem like i made a {$500.00} payment only. I have made I have paid XXXX. + plus some bogus fee for them to take my payments every 2 weeks. So far I have paid a total {$1000.00}. I have called them multiple times my last call was to them today where i was advised they will not be reporting XX/XX/XXXX payment until XX/XX/XXXX with no explanation as to WHY!
Product: Student loan

MOHELA 's poor managing of student loans is cause emotional distress and possible irreversible damage to future credit. 

On XX/XX/XXXX - I submitted IDR application for both lender XXXX and MOHELA. I also sent MOHELA a message on XX/XX/XXXX due to concerns about the XXXX being reviewed before my due date of XX/XX/XXXX. 

XX/XX/XXXX - XXXX emailed to notify that my application was received and approved. At this point I have not heard anything from MOHELA. 

ON XX/XX/XXXX MOHELA finally responded to the email I sent on XX/XX/XXXX and instructed me to submit an XXXX via Studentloan.gov. I panicked because I thought I submitted the application appropriately on XX/XX/XXXX. 

On XX/XX/XXXX at XXXX - I called MOHELA 's customer service number and chose the prompt to receive a call back once it was my turn in the cue because it was a XXXX wait. I never received a call back at all! 

On XX/XX/XXXX at XXXX - I called MOHELA and chose the call back when it's my turn in the cue ( wait time was XXXX mins ). 

XX/XX/XXXX at XXXX - I called MOHELA and stayed on the line while driving to work. After XXXX mins I decided to hang up due to work obligations. 

XX/XX/XXXX at XXXX - I called MOHELA and after XXXX they hung up on me. 

XX/XX/XXXX at XXXX - I called MOHELA and waited a total of XXXX hours and XXXX to be helped. An hour and a half into this call I was able to speak to XXXX ( MOHELA rep ) for 5 mins who stated " we just received the approved XXXX today but won't reflect until next month ) '' and then transferred me to another " agent '' to discuss possibly retroacting the new amount {$37.00} ( original amount due = {$1500.00} ). I explained that I could not pay that amount and would cause financial distress. I explained the above time lines to them and asked why XXXX was able to receive my IDR app so soon and they weren't? They responded that XXXX does not have as many accounts as they do and which is why it took so long to process my IDR. I asked if I could get an extension on the {$1500.00} amount and was informed by MOHELA that if I did not pay the {$1500.00} in full within 60 days then my account would be sent to collections. I asked for 90 days and she stated, " it's a federal loan regulation '' and declined to assist with an extension. 

The delayed response time to process the XXXX application, long customer wait times, and poor solution focused approach to assist people in financial distress is disheartening. " If you don't pay {$1500.00} in full we can't help you. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the Fair Credit Reporting Act XXXX AccountXXXX XXXX XXXX XXXX  # XXXX, XXXXXXXX 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 : It also states a consumer reporting agency can not furnish a Account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section Sates : 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 antidotes 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.