23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am writing to report misappropriation of funds and egregious mortgage servicing practices performed by LoanCare LLC. 

Our mortgage servicing was bought from LoanCare effective XX/XX/XXXX ; however LoanCare did not provide any notice of transfer of servicing. In late XX/XX/XXXX - 6 months after the date of transfer - I received an alert through personal credit monitoring that my mortgage was being reported as delinquent by a new servicer. We had no idea that our loan servicing was transferred from LoanCare to  XXXX in XX/XX/XXXX ; regular, timely monthly payments were made to LoanCare until XX/XX/XXXX. 

After contacting XXXX ( who failed to provide appropriate notice as well, by sending the documents to the property address rather than our permanent residence ), I was informed that our mortgage was thousands in arrears. I began reconciling where the payments made to LoanCare from XX/XX/XXXX to XX/XX/XXXX had been applied, if at all. 

On XX/XX/XXXX I made my first call to LoanCare in an attempt to reconcile the payments and found that of the five payments, 2 were forwarded to the new servicer and 2 were returned to my bank. The last payment remains unaccounted for.

LoanCare failed to appropriately forward or return the payment made on XX/XX/XXXX and is unable to provide any documentation as to it's whereabouts. 

As of XX/XX/XXXX, I have spoken with LoanCare customer service on 6 occasions, Twice ( once via fax and once via email ) I have provided proof to LoanCare that they accepted and endorsed this payment and asked for documentation of its application. 

The information provided by LoanCare 's customer service is different and contradictory but the results are the same : no resolution. For 8 weeks now, I have been told that the research is " still in process ''. I have been given dates by which I can expect the documentation to be mailed ( never has arrived ). I have been given case tracking numbers that when referenced in subsequent calls, apparently have no case history. I have a customer service rep inexplicably transfer my call back to the main call directory, and every with call I am placed on hold in excess of 20 minutes. 

On my most recent call, I was told they do not have any documentation on file and that I should submit the proof again. I am no further along today than I was at time I first contacted them. To boot - in XX/XX/XXXX - LoanCare reported my mortgage ( the  one transferred in XX/XX/XXXX ) as being >120 in arrears! Upon my contacting them about this separate issue, I was informed that I needed to provide them with proof that they reported this information - which makes no sense. 

The net result is that LoanCare has misappropriated at least {$1800.00} and is not being held accountable for their practices.
Product: Mortgage

Chase Bank will NOT allow us to ReFi our XXXX condo mortgage, their underwriters use a " condo-hotel '' exclusion. There is NO " condo-hotel '' mentioned in either the developers plans on file with the county, nor in any of the individual XXXX condo buildings! We now have a 5.875 % 30 yr. mtg with Chase Bank & have NEVER been behind on any pmt. Recently Chase contacted us and said there was a good chance that they could lower the mtg. rate to 5 % ( still not a XXXX % rate but, better than we have now, ) & there would be NO closing costs pr other costs charged to us. We worked on all the necessary paperwork with a helpful Chase rep. in a Chase XXXX office.. He was encouraging even after we mentioned the prior " condo-hotel '' disqualification by Chase. Sure enough Chase killed the deal again - same " condo-hotel '' disqualification reason! FYI ~ We were able to ReFi with another bank, years ago on another exactly similar condo & our mtg. was reduced down from 7 % down 4.375 % with outta problem. Chase continues to be-devil us and disallow rate reduction. We willsoon be closed out as he ReFi & the ReFi HARP program deadline is fast approaching on XXXX XXXX 2015 ( I believe ). We need help!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX have not investigated my dispute and added a false comment on my file for the below account. 

" XXXX  didnt review this item because you asked them to cancel it. If you changed your mind, contact XXXX  '' file number XXXX Completed on XX/XX/2020. 
Also when I try to dispute this again I got a pop-up message : XXXX  didnt review this item because you asked them to cancel it. If you changed your mind, contact XXXX  ... I never cancel this dispute!
Product: Student loan

On XX/XX/23 my loan servicer was changed from XXXX to MOHELA. In the transfer notice email from MOHELA it stated all of my loan information would be transferred. I had submitted PSLF paperwork on XX/XX/23 and paperwork for enrollment in income driven repayment on XX/XX/23, both via the federal student aid website. On XX/XX/23 I received a bill in the mail from MOHELA stating I owed over {$2000.00} XX/XX/23. This is half of my monthly salary. I logged into the MOHELA website and while my PSLF paperwork was transferred there was no record of my repayment plan paperwork. I tried calling multiple times but was unable to get ahold of anyone on the phone ( I work ~80 hours/week as a XXXX XXXX  ). I sent multiple messages through their website inquiring about why the paperwork was not sent to MOHELA and why only part of my paperwork was sent. I sent messages on XX/XX/23, XX/XX/23 and today XX/XX/23. Their website states they will reply in 3 business days. I have not received any reply even from my message on XX/XX/23. I tried to re-submit paperwork for the repayment plan on XX/XX/23 through the federal student aid website which also shows my prior application. The second application is the only one appearing on my MOHELA account and I continue to get bills stating I owe over {$2000.00} even though I submitted appropriate paperwork over 90 days ago ( which is how long they state is required for processing of repayment plans ). I can not make these payments and can not get any resolution through MOHELA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE LIVED IN XXXX XXXX NEVADA SINCE XXXX AND THERE IS A MEDICAL ACCOUNT ON MY CREDIT REPORT FRO, ALABAMA FROM XXXX, OR XXXX FROM XXXX XXXX HOSPITAL IN XXXX, ALABAMA .. THIS S NOT MY DEBT I HAVE BEEN WITH XXXX XXXX XXXX XXXX OF CALIFORNIA FOR OVER 4 YEARS. NOR HAVE I BEEN TO ALABAMA OR A HOSPITAL THERE. THIS IS NOT MY DEBT FROM XXXX.PLEASE REMOVE FROM MY CREDIT FILE
Product: Student loan

My name is XXXX XXXX. XXXX XXXX, I graduated with a XXXX Degree in XXXX XXXX XXXX XXXX. My school promoted something that they never delivered. That was the promise of a job after graduating. Unfortunately when I was into the program the Dean was demoted and the staff did not care about the students. There were no XXXX programs and the staff did not help me find an XXXX. The upshot is that I am earning a low income. I have made a good faith effort to repay my loan at a monthly rate I could afford. Going back to when Navient was XXXX XXXX I had been mislead and hurried by unprofessional and dishonest XXXX XXXX reps. They have obscured information on my payment options. I do n't have the exact dates regarding the grievence I am going to address. However, I would be happy to give my account number to track them. This was around three years ago. I had trouble paying the {$110.00} on my loan. I asked the Navient Rep to defer the loan a couple of months. Instead he aggressively pushed me into a loan where I pay {$64.00} for two years and that it will go up. He stated that this was the best plan and that there were other opportunities to keep a monthly payment after this period. This was totally dishonest. He obscured information on interest only payment which would of been less than a {$100.00} a month at the time. Instead after two years my interest with principle skyrocketed. Last XXXX I called Navient. My monthly payment went up to over {$200.00} that makes it impossible to repay this loan in good will. Now I am in a position where I have to defer my loan because Navient 's information resulted in higher monthly payments with interest. I am in an economic hardship position. My annual XXXX income was around {$27000.00}. My cost of living bills include leasing a car for transportation, rent that keeps rising, car insurance, credit card, medical insurance, electric, phone, food, and dental.
Product: Debt collection

XX/XX/13 : I sent an email to the debt management company and asked for them to send me debt validation admns to only contact me via email and mail. I received another letter 2 days before XXXX ( XX/XX/XXXX ) to pay the debt and would offer me a discount if I paid by XX/XX/XXXX. 

I still have no received my debt validation and I again request the debt management company to take no further actions until the information I requested if provided. In addition, the original credit card company refused to work with me.
Product: Credit reporting or other personal consumer reports

They are reporting my {$170000.00} XXXX loan as DEFERRED WITH PAYMENTS TO BEGIN IN XX/XX/XXXX. I have requested correction several times. Each time they send me a form letter with no correction to my credit report. In addition they are reporting an extremely out dated account listed as last updated in XXXX so it should actually drop off completely? I even sent through this XXXX website proof showing that XXXX XXXX XXXX account as XXXX DUE PAID IN FULL WHICH THEY ARE IGNORING. I have been turned down for credit because of this and I have proof. I HAVE TRIED TO FIX THIS WITH ALL XXXX agencies several times with no success. 

I am on hold with XXXX. I am trying to get them to correct it as no one at XXXX WILL FIX IT.
Product: Checking or savings account

On XX/XX/2022 I discovered there were XXXX unauthorized transactions on my account. I immediately reported the fraudulent transactions via the banking app. I was provided with claim ID # XXXX. The transactions were from the following merchant. 

XXXX {$40.00} XXXX {$20.00} On XX/XX/XXXX I was sent an email stating that final determination had been made and that my claim was being closed and that no error has occurred. I immediately appealed this decision and the claim was re-opened. On XX/XX/XXXX I was told yet again that my claim was closed and that they found no error. I responded asking to be sent information regarding the merchant and where the transaction was made. I also made XXXX calls to Chime customer service once on the XXXX and again on the XXXX speaking with XXXX on the XXXX and XXXX on the XXXX. Both times my claim was closed. XXXX did advise that the transaction was made in Wyoming to which I informed here that I was not in XXXX  nor have I ever traveled to XXXX. 

We went over my transactions for that day that showed I was in XXXX, XXXX  where I reside. I also provided them with feedback from other online customers that have had similar experiences with fraudulent charges from this same merchant. Again was claim was reopened and closed. 

I have NEVER stepped foot in the state of Wyoming and I did not make the purchases. To date Chime has been unable to even inform me of what was purchased. 

I simply want my money returned to me and for this fraud to not continue. A simple google search of XXXX generates countless numbers of people claiming to have been scammed by this merchant and/or Chime with no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and seen the negative items reflecting on my report for some reason and I dont think or believe it should even be up there because its false and its hurting me from doing what I need to do for my family and it need to be removed. I wrote up a dispute letter on XX/XX/2021 and sent it out certified so I can keep track of my letters because the credit bureaus are quick to say they didnt receive anything. Im also going to attach my the letter here with my proof of Identity and return receipts for when I sent out my letters. Please help me with this matter I would greatly appreciate it!
Product: Debt collection

This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ invalidated credit information. Please remove immediately. 

I am not liable for collection with XXXX XXXX XXXX neither do I have a contract with them. I do not owe them {$340.00} and I ask to be removed off my credit report and collections to be removed IMMEDITLY
Product: Debt collection

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. Company or Organization : Portfolio Recovery Date fraud began : XX/XX/year> Date that I discovered XXXX Total fraudulent amount : {$500.00} Pursuant to 18 usc 8 , I owe no debt. This company is violating my consumer right to privacy pursuant to 15usc 1681b 2 company has also no permission to report Anything using my info pursuant to 15usc 1681 4
Product: Credit reporting or other personal consumer reports

I am writing to inquire about a recent data breach. It was determined my personal information was impacted by this incident. reference number XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint and request an investigation regarding a collection account inaccurately reported on my credit file by Helvey & Associates Inc. This erroneous reporting has caused significant harm to my XXXXredit score and financial well-being.

Despite repeated attempts to resolve this issue directly with Helvey & Associates Inc., they have refused to acknowledge the error or remove the incorrect collection account from my credit file. The account in question does not belong to me, and its inclusion on my credit report is unjust and damaging. 

I am requesting that the Consumer Financial Protection Bureau intervene and investigate this matter promptly. I urge you to take appropriate action against Helvey & Associates Inc. for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and for the harm caused by their refusal to remove the inaccurate information from my credit file.

Furthermore, I am prepared to seek legal representation if Helvey & Associates Inc. does not immediately remove the incorrect collection account from all three major credit bureaus. This erroneous reporting has had severe consequences for my financial reputation and has unfairly impacted my ability to access credit and financial services. 

Thank you for your attention to this urgent issue. I look forward to your prompt response and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never authorized this companies to obtain a copy of my credit report. I disputed this with company and credit bureau with no response. I want to see the application signed by me which should be on file. This violates the Fair Credit Reporting Act. These inquiries need to be removed or show me where I authorized these companies to obtain my credit report. The credit bureau 's need to remove the following inquiries : XXXX/XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX I never authorized any of these companies to obtain a copy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 I paid a full balance owed of {$32000.00} and they never updated my credit report
Product: Checking or savings account

Wells Fargo continually tries to trick me into going paperless through the log-in on their online site. The default on the splash screen defaults to a paperless box option being pre-checked. They are hoping I will just submit without reading the extremely poorly worded splash screen which is clearly written and designed to be deceptive. I will NEVER EVER go paperless. EVER. I have complained to them about it, and the response I received was " too bad, we're going to continue doing this to you when you log-in ''.
Product: Credit reporting or other personal consumer reports

As I've disputed this account blatant inaccuracy before of a late payment. I've taken this a step further and called the furnisher of the misrepresentation and attack on my character, payment history, and exceptional standing in the eyes financial institutions. The credit reporting agencies placed this erroneous late payment on my consumer report and YOU HAVE FALSELY DAMAGED MY CHARACTER AND REPRESENTATION WITH THIS UNJUST, UNVERIFIABLE REPORTING TO MY CONSUMER REPORTS! I WILL SEEK ALL REMEDIES AFFORDED TO ME FROM ALL PARTIES INVOLVED IF THIS MATTER IS NOT BLOCKED AND REMOVED FROM MY CONSUMER REPORT IN 15 DAYS OR LESS! PLEASE ACCEPT THIS AS MY OFFICIAL NOTICE TO CURE AND XXXX! 15 U.S. Code 1666B states a creditor may not treat a payment on a credit card account under an open consumer credit plan as late FOR ANY PURPOSE. It also states unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge!!!!!!!!!!!!! The law is very very clear
Product: Mortgage

I have a home loan that is serviced by Ocwen. There is a large descrepancy between the loan balance reported by Ocwen, and what the amortization schedule indicates it should be. I complained a couple of years ago by way of a phone call to Ocwen. They could not explain the large descrepancy. I emailed an inquiry to Ocwen a couple of weeks ago. They still have not explained the error, but they did get back to me about 10 days after I sent the email request. They claimed my initial request to not include enough information, which I do n't believe is true. I called the phone number the provided me with, and I provided Ocwen with requested account details. A weird thing that happened after my email request, concerning the large descrepancy between Ocwen 's reported balance the amortization schedule 's stated balance. The amortization schedule was removed from the Ocwen website. I do n't trust Ocwen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I secured an auto loan with XXXX XXXX XXXX on XX/XX/2017 for a used car. I have been paying my auto loan on time for over a year and it has still not reported on my credit report. Per recommendation from the car dealership XXXX is required by law to report to the credit bureaus quarterly or I am not liable for the loan. I contacted XXXX and they stated that I would need to file a complaint through the credit bureau. Unfortunately, I am not able to file a complaint on something that doesn't exist on my report. Please assist with this. I have been trying to build my credit back up and I thought this was reporting. If I am not held liable for the loan I would like to see what is needed to do to get out of the loan.
Product: Credit card or prepaid card

I paid for parts and labor to replace my air compressor in my HVAC system. It turns out that the man who wrote the invoice and owns the company only has an apprentice license in the state of a Maryland. By law in Maryland, he is not permitted to do this. He installed the compressor by himself, I have a witness statement to that affect. This is also against the law in Maryland. I have turned him into the Maryland Department of Labor. I took him to civil court and lost my case because I did trot have my witness who examined his work. The judge told me it was irrelevant in civil court that he broke the law because I was suing for my money to be reimbursed. 
I sent 72 pages of documents to Discover and they have done nothing. This man entered into evidence the contract between us and his fathers master restricted license in HVAC repairs and installation. His father was never on my property but the man who installed it admitted that he installed the air compressor himself. He stated that his father was his overseer, but under Maryland Law, the apprentice May NOT do any work without a Master on the job site. So this man entered into a contract with me, against the law, installed the compressor himself without ANY supervision, and Discover still has the charge on my bill.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. Despite my previous request to remove these fraudulent items, I regret to inform you that they still remain unresolved. As a result, I am reaching out once again to request your urgent assistance in rectifying this matter. 

Upon reviewing my account statements, it is evident that several transactions have been made without my authorization or recognition. I have attached documentation supporting my claim, including statements highlighting the fraudulent items and any relevant information I could gather to assist in the investigation. 

Given the seriousness of this matter, I kindly request that your team take immediate action to investigate and remove these fraudulent items from my account. Additionally, I urge you to implement measures to prevent similar occurrences in the future. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX  XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX : {$18000.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$770.00} XXXX XXXX Balance : {$770.00} XXXX XXXX Balance : {$750.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX : {$18000.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, VA XXXX **Subject : Dispute of Unauthorized Credit Inquiry** Dear Sir/Madam, I am writing to formally dispute an unauthorized credit inquiry that was made on my credit report by XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX The inquiry, which appears to have occurred without my explicit consent, has adversely affected my credit score and caused me significant concern. 

As per the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccurate or unauthorized information on my credit report. Specifically, I believe that the inquiry in question was not authorized by me, and I am requesting that it be removed from my credit report immediately. 

**Details of the Unauthorized Inquiry : ** - **Date of Inquiry : ** XX/XX/year> - **Name of Creditor : ** XXXX XXXX XXXX XXXX  via Dealer - **My Full Name : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX ** XXXX XXXX XXXX XXXX, XXXX, TX XXXX I kindly request that you : 1. Investigate this matter and provide documentation proving that I authorized this inquiry.

2. If you can not provide such documentation, promptly remove the unauthorized inquiry from my credit report.

3. Provide written confirmation of the removal of this inquiry and any correction made to my credit report.

Enclosed with this letter, I have included a copy of my credit report highlighting the disputed inquiry, and a copy of my identification.

I appreciate your prompt attention to this matter and look forward to receiving a response within 30 days of your receipt of this letter. Should you need any additional information, please do not hesitate to contact me at ( XXXX ) XXXX. 

Thank you for your cooperation, integrity, and diligence. 

Sincerely, XXXX XXXX XXXX XXXX [ Enclosures : Copy of Credit Report, Copy of ID ]