23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I paid my Mortgage using my Credit Union account transferring funds to the mortgage account at Wells Fargo. The Wells Fargo account reflected that it was paid, but they did not pull the money from the credit union account until today, XX/XX/XXXX, when it was paid on XX/XX/XXXX. I called my Credit Union on XX/XX/XXXX, XXXX XXXX XXXX and they stated that nothing had been pulled from the XXXX XXXX account. When I called Wells Fargo they state that it had been paid and on the site it shows that it had been paid on XX/XX/XXXX. 
Now today they have caused my accounts with XXXX XXXX XXXX to have a negative balance because of them holding this transaction for 5 days. I am tired of Wells Fargo taking my money and doing what they want with it. 
In XXXX, Wells Fargo took XXXX XXXX dollars from my account and sent it to XXXX XXXX XXXX XXXX XXXX in XXXX XXXX Alabama without my authority when the money was clearly mine. I only called Wells Fargo to report what XXXX XXXX XXXX XXXX XXXX was trying to do to me and they took my money and sent it to them without my authority and came back and wrote something up as if I asked them to do so. It was founded by the Alabama XXXX XXXX that XXXX XXXX XXXX XXXX XXXX owes me {$10000.00} the same {$10000.00} that Wells Fargo took and sent to them. 
I am tired of being bound by Wells Fargo!! I feel obligated to them because they have my line of credit and mortgage and I don't know how to get out.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  reported a credit card belonging to my ex wife was discharged in XXXX of XXXX. It was not. It was discharged in XXXX. I have a divorce decree that shows I am not responsible for any accounts that belong to my ex wife and that I was to be removed. I also called in XXXX and early XXXX, liekly mutliple times to have me removed from the account as an authorized user. XXXX XXXX did not remove me. The divorce decree explicitly shows, the main party and authorized user was to leagely remove me off the account and I was to be removed by the vendor. I also made attempts to remove myself off this account as well as any and all otehr accounts. Interestingly enough all other parties complied except for XXXX XXXX XXXX. XXXX XXXX also still reports it incorrectly on my credit bureaus and in my name. As well as false information. XXXX XXXX has duplicated the discharge 2 times which is not legal in the first place and incorrect. The 2nd discharge is clearly shown as discharge and it is preventing my from making a home purchase and any otehr large asset purchase. I spoke with another bank and they clearly said it was a discharge and I as tried to clarify as XXXX XXXX XXXX said it was only an update, other lenders and companies of interes explicitly read it and consider it a second discharge. The XX/XX/XXXX reporting needs to be removed and the card and information needs to be removed off my name. This should have been done in XXXX. This is not only punitive, illegal and immoral. I will seek legal consel as recourse if this is not completed within 30 days.
Product: Mortgage

Hello, I was working with AmeriSave to refinance my home and worked with XXXX XXXX. We went through the entire process and was told that if the refinance did not work out or we decided not to proceed we would get a refund of our {$500.00}. I have all the texts and when we started the process we were told we should try again in XXXX. Now that XXXX is her my husband and I decided this just isnt working out for us and would like our refund. XXXX had called me when I reached out and told me he no longer works there and gave me his bosses number/email at AmeriSave XXXX XXXX XXXX to request my refund. I have made multipule attempts to reach out with no response. I made this payment on my XXXX XXXX credit card on XXXX XXXX. I am just asking for a refund as I was told it was refundable due to being a refural.
Product: Debt collection

NOTICE TO CEASE AND DESIST I am hereby notifying you, LVNV FUNDING LLC, 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 LVNV FUNDING LLC and you have used my personal information without my consent which has negatively and falsely impacted my credit report. You have violated my consumer rights pursuant to 15 usc 1681b. You have caused my phone to ring at inconvenient times, even while Im at work, in 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 E-Oscar or any other means of automated verification. 

Name, XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about Early Warning Services ( EWS ) for their failure to comply with my explicit written instructions regarding the furnishing of my personal information. Despite my clear directive, EWS has continued to furnish my information to third parties, in violation of both the Fair Credit Reporting Act ( FCRA ) and the corresponding Code of Federal Regulations ( CFR ) provisions. XXXX XXXX XXXX  Violation of FCRA and CFR Regulations Under 15 U.S.C. 1681b ( a ) ( 2 ), a consumer reporting agency is only permitted to furnish a consumer report if it has obtained the consumers explicit written instructions. I provided such instructions to EWS, clearly stating that they should not furnish any of my information. By disregarding my instructions, EWS has violated this provision of the FCRA.

Additionally, 12 C.F.R. 1022.10 ( b ) reinforces that consumer reporting agencies must obtain a consumers explicit written consent before furnishing their information. EWS 's failure to adhere to this regulation constitutes a breach of federal law.

Moreover, 15 U.S.C. 1681e ( b ) and 12 C.F.R. 1022.42 ( a ) require consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report. EWSs disregard for my explicit instructions compromises the accuracy and integrity of the data they are disseminating.

# # # Supporting Case Law The following federal court cases support my claim that EWSs actions are in direct violation of the FCRA and CFR regulations : 1. XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) ** : In this case, the court ruled that failure to follow a consumers explicit instructions under the FCRA is a violation of statutory obligations, holding the reporting agency liable. 

2. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) ** : This case established that consumer reporting agencies must follow reasonable procedures to ensure the accuracy of their reports, which includes adhering to consumer directives. The court found in favor of the plaintiff for the agencys failure to comply. 

3. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) ** : The court ruled in favor of the plaintiff, stating that the consumer reporting agency 's failure to comply with the consumers instructions violated the FCRA, supporting the consumer 's claim for damages. See attached
Product: Credit reporting or other personal consumer reports

You are in violation for reporting an unverified account on my credit report. I am not the owner of account XXXX XXXX XXXX XXXX XXXX. I submitted a XXXX complaint notifying you of this inaccuracy and submitted an FTC report which was submitted via XXXX My FTC report number is XXXX. I did not authorize this account to be taken out in my name nor does it relate to anything I did. Furthermore, under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. As a consumer by law this account must be deleted immediately, or I will seek monetary damages in small claims court in my city and state.
Product: Mortgage

Dear CFPB : On XX/XX/2022 I filed a formal Complaint with HUD in connection with a XXXX XXXX, XXXX  state court litigation where I discovered XXXX XXXX  and their loan servicer Nationstar concealed evidence between XXXX, including Texas Constitution documents and infirmities with my loan which according to Texas Supreme Court XXXXuthority , rendered my loan void, invalid and foreclosure ineligible at origination. 

More importantly, the HUD Settlement Statement provided undisputed evidence I was illegally charged closing costs in excess of Texas Constitution 3 % of principle limits. As a XXXX minority, I was required to pay more than {$10000.00} for closing costs on a home equity loan when I should have paid no more than {$2800.00}. The {$10000.00} closing costs included my agreement with the lender to make exterior repairs approved by the lender to obtain the loan. 

I also filed a complaint with the State of Texas Auditor to place them on notice that state courts are using state funds to render opinions in violation of the Texas Constitution. 

During previous litigations where I incurred attorney fees of close to {$200000.00}, XXXX XXXX and their loan servicer Nationstar concealed the infirmities with my home equity loan which they knew that pursuant to the Texas Constitution, was invalid, void and foreclosure ineligible at origination. 

In the current litigation, XXXX XXXX  and Nationstar defended their illegal acts to charge excessive loan closing costs on Texas Home Equity loans and refused in writing, to comply with Texas Constitution cure provisions to correct the loan infirmities. 

I recently filed at the Fourth Court of Appeals, an Amended Motion For Rehearing and Rehearing XXXX XXXX to correct the egregious errors with the Court Opinion that conflict with the Texas Constitution. 

I am attaching my HUD Complaint letter and exhibits attached to support my allegations.
Product: Credit card or prepaid card

It took an excessive amount of time to clear up all of the addition and incorrect fees that had been put onto my account. But in XXXX I was finally able to speak with a customer service rep and they agreed to take off the fees. I paid off the credit card immediately and they agreed that they could not report me payment as 30 days late, because # 1 it was the fee amount that I had been disputing that made it late and # 2 I had in fact made payments. The credit card only had and available charge amount of {$250.00} and they had accumulated fees even after the account was closed. They agreed to clear up my credit back in XX/XX/2020. 
I am trying to buy a house and that issue STILL appears on my credit report. I tried to call to discuss the matter and was told that the only way to reach that department is to mail a letter to the PO BOX and that it may take several weeks to get a letter back from them. I do not have several weeks. I believe that it is unfair that they will not allow someone in customer service to address the issue. It is also unfair that it has not been corrected since XX/XX/2020. Lastly, it is extremely unfair that my mortgage is hinged upon a store credit card that charges outrageous fees and does not have a way for members to remedy concerns. They will not allow a payment in store, and if you pay by phone they charge a fee. 

I need this off of my credit score as they promised.
Product: Checking or savings account

On XX/XX/2022 on a XXXX. I received a text message and email notification that a XXXX XXXX has been replaced on my account. I now realize that I did not receive a notice from a new sign-in on my account. Also, I called the XXXX number and a male answered the phone, he denied being part of the scam. I personally do not know anyone in XXXX, Michigan, so I am more confused. Immediately changed back to my number and called CHIME, who did not take my allegation seriously. I changed my username, password, and pin, and requested a new card. I also noticed that all my saving funds were transferred to my checking and I transferred it back. Ive also kept the card LOCKED. And requested a new one which I still dont have. The next day around XXXX XXXX  on XX/XX/2022 an attempt to debit {$500.00} was made. I am sleeping at this time ; how could this happen? It dawned on me. I am suspicious of a CHIME employee. How can someone keep attempting to debit from my account and get through XXXX, which is all linked? AFTER, requesting a new card, guess what? I am still getting transaction attempts how is that? They also took {$10.00} for a tip. Why and when have I ever tipped them? I called informing them this was not something Id done. I was told it could have been a mistake and it would be returned, I still dont see a return. Who else has access to my card info and my account? I have never lost my card info or had it stolen. I have not given anyone my information to use. I need help. This situation with CHIME has cost me emotional stress and financial. To the point, Ive been shopping around for a more secured bank account. I was moving over to discover bank and they shut my savings down, not realizing I have been trying to slowly transfer my funds over and trying to catch up with bills that are attempting to take from CHIME. I would like to know whos behind all this activity and compensation of some sort. 

In the attachment, I included proof of someone is still using my card to make purchases from XXXX for {$39.00} and {$1.00}, I did not do or know who this organization is. Plus, this is XXXX XXXX, and never up this early. Another today at XXXX XXXX  for {$1.00} through a XXXX XXXX XXXX. 

Last nights transactions to my XXXX were all me as I have been desperately trying to get everything out of CHIME, but also paying bills, because I DONT have a DEBIT CARD for daily expenses, so I keep the card LOCKED the majority of the time. I need help because CHIME is not doing anything to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander Consumer USA # XXXX is reporting on my credit as a repossession, however this account should not be reporting this way. This account is no longer a repossession and needs to be updated to show the account open and current.
Product: Credit reporting or other personal consumer reports

Please be advised that Experian and XXXX keep on violating 15 U.S.C. 1681. they are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of their re-investigation, they stated that it was verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? They do not provide me with the name of that individual, their business address, and telephone number. they are also reporting that this account is an individual account and as per the creditor this account is for a business. I am not a business and therefore this is identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report after getting a preapproval for a home loan in XXXX, 2022 and saw that there are numerous incorrect information on my report. There seems to be accounts that are business accounts that do not belong to me as well as charge offs and collections that are interfering with my going any further in obtaining a loan to purchase a home. I have tried numerously to call these companies within the last 3 months and have not gotten anywhere. They are very rude and intimidating. XXXX XXXX told me that I had no choice but to make a payment to settle both of those business accounts listed only in efforts to solve this issue but now after I paid them in XXXX of 2022, they told me that they will keep this on my report for 7 years anyway even though the accounts belong to a business and they do not have a contract signed by me for these accounts. 
The others, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ), I C SYSTEM ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX are inquiries that I did not authorize and need to be removed. I am now aware that these are also a violation of consumer law 15 USC 168b. I have tried so hard to fix this problem with my credit report and I feel very helpless. This is causing me severe anxiety and XXXX because I am not able to move any further. I am begging for someone to help me with this please.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent applications may have been submitted in my name by two companies and may have been used to apply for credit or purchases without my consent. I have contacted in XX/XX/2022 Bank of America XXXX and the representative claimed there is no record of me with any account or application for credit. I also contacted XXXX XXXX XXXX XXXX and the representative stated she could find no record and would resolve the matter and report to have the inquiry removed. I have not heard from any of the companies and my credit report still reflect these inquiries. Finally, I submitted a fraud report to XXXX and was instructed to file a report with FTC.gov and was directed to CFPB.
Product: Mortgage

I sold my house and closed on the property on XX/XX/2016. During closing the title company paid the second installment of my property taxes in the amount of {$2300.00}. I looked online the same day and noticed Shellpoint Mortgage also payed my tax payment the same day. I called and asked to Shellpoint to hold payment that afternoon due to the fact I just closed on the property. I was told that since they had n't received the payoff there was nothing they could due despite being almost 3 weeks early on the payment. A few days later my lawyer was able to contact XXXX County Treasurers office after they had received the payment from fidelity Title company so they were able to flag my account to avoid double payment from Shellpoint Mortgage. I have contacted Shellpoint multiple times on this issue with no resolve. When you call Shellpoint Mortgage you can only speak to the person who answers the phone in customer service. They will not transfer you to anyone. I 've asked to speak with someone in the tax department but every time I 'm told no. Also every time I call i 'm told a different story by the person on the other end of the line. As stated before I called on XX/XX/2016 around XXXX EST. about trying to get the tax payment stopped. I was told on that phone call that since they had n't received payoff there was nothing they could do. The Next time I called was on XX/XX/2016 at XXXX. EST. at that time I figured there would 've been plenty of time for them to receive and process my refund. I was told on that phone call that processing could take up to XXXX weeks and again I was told that I could speak to no one else but the person I was speaking with. I specifically asked to speak to a manager but was told that one was not available. So I waited until XX/XX/2016 to call again figuring that would be plenty of time for processing to take place. I made that call at XXXX EST. this time I was told that processing could take XXXX weeks. Again I asked to speak with someone in the tax department and again I was told no. This time the woman told me she would put in an email to the tax department about this situation and she 'd get back with me as soon as she got a response. Today is XX/XX/2016 and I still have n't heard anything from them. In between my calls my lawyer tried to intervene due to the fact he has power of attorney for me and he was told they could n't talk to him about my loan. He also sent a letter to Shellpoing Mortgage Servicing trying to resolve this issue but we 've receive no response to that letter either. I 'm fed up with dealing with this company and am asking for your help in this matter.
Product: Mortgage

I refinanced in XX/XX/XXXX No payment in XX/XX/XXXX. My payments from XX/XX/XXXX through XX/XX/XXXX was {$930.00}. THEN I received a Annual Escrow report that said my payment for XX/XX/XXXX would start {$900.00}, I paid that amount ALL through XX/XX/XXXX. I THEN received a NEW Annual Escrow report that says my payment starting XX/XX/XXXX through XX/XX/XXXX will be {$950.00} ( which is HIGHER then my refinance agreement WITHOUT my Insurance OR Taxes going up )?? When I called to ask them WHY it was going up, I had talked to like XXXX different people that could n't give me an answer. I finally talked to a supervisor that said it was because my PMI went up and sent me then to a PMI XXXX, XXXX notes will be attached of the people that I talked with ). I was then told that my PMI was paid BY them during XX/XX/XXXX and now I had to pay them back for XX/XX/XXXX and also then pay monthly different for XX/XX/XXXX. My insurance and taxes DID NOT raise, they said that the know that and it was all due to PMI. They told me if I did n't like it to file a complaint with you guys. I talked to a few different Mortgage brokers and THEY ALL told me the same thing, " that my PMI CAN NOT go up. '' because of a RESPA guidelines. They could not believe that Nationstar was so rude to me and not helpful, and then told me to file a complaint with you guys. Please help me figure this out and fix it so that they do not continue to try to do this kind of wrong with others. I have all kinds of documents that will be attached to this complaint to hopefully help someone figure out an answer for me.
Product: Mortgage

Consumers are not being fairly evaluated when applying for home loans with Better.com Mortgage. I have a XXXX credit score, a 4-year payment history with XXXX XXXX XXXX where  I have neither been late nor missed a payment. I am selling my home where I can afford to put down 20 % on a new purchase. I only have a mortgage which started out as {$920.00} a month and increased to {$970.00} due to a change in homeowners insurance. I have a car note at {$440.00}, three minor credit card monthly payments, and a private student loan payment of {$45.00}. These credit card payments, etc. will be paid in full with the proceeds of the sale of my house. According to Better.com Mortgage I can only purchase a new house at {$170000.00} with a 5 % down payment. For some unknown reason, I can not pay 20 % on a new purchase and increase the purchase amount and the calculation of my DTI is 61 % and not 45 % as had been the case with another mortgage company. The digital application is way off and needs to be revamped immediately as it initially gave me a pre-approval up to {$460000.00}. Also, the student loans that are in IBR status with $ XXXX monthly payments are stating they are in forbearance not sure from re-entering college to complete my degree or from the Cares Act, but this company is trying to use the 1 % of balance on documented IBR {$0.00} balance student loans. My SSXXXX and retirement income was frowned upon also. Something is seriously going on with this newly created company where the buyers are not being fairly evaluated for home loans.