23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/year> I closed on the property : XXXX XXXX XXXX XXXX, Colorado XXXX. During the closing process, I signed a document ( Promissory Note ) which is a legal document that outlines a borrowers promise repay a loan to a lender under specified terms. Lennar Mortgage took the promissory note I had signed with my extension of credit and social security number, and collected on it at the Federal Reserve Bank Discount Window ( only authorized banks can use ) for 90 % of the loans 30 year maturity value which is over {$720000.00} dollars. After Lennar Mortgage collected on this Promissory Note with the Federal Reserve Bank, instead of notifying me that my mortgage was satisfied, they failed to report the payment on my debt ledger. Lennar Mortgage then went two weeks after closing, and " transferred servicing '' of my already paid off loan to XXXXXXXX XXXX to collect on the money they have already received.

During this process and while still ( as far as I knew ) having signed the mortgage and note with Lennar Mortgage, Universal Mortgage was being reported on my XXXX, and Eagle Mortgage was being reported on my XXXX. I have come to find out Eagle Mortgage is a subsidy of Lennar Mortgage however, I did not sign a contract with either Universal or Eagle Mortgage and had not been

notified of the servicer change, so why would two different mortgage companies say I have a mortgage with them, when neither is the actual company I have a mortgage with?

So, if the Promissory Note is not allowed to be collected on by anyone but an authorized bank with the Federal Reserve Bank, the only one 's who would know how to collect are the authorized bank. It is fraud and breach of contract that Lennar Mortgage did not disclose the advance of the Promissory Note to I as a consumer, and even more fraudulent they want me to pay for this mortgage now. That means I lose not once, but twice.

Please also refer to U.C.C 3-603 Tender of Payment which explains if the payment is tendered in form of the Coupon provided with the statement ( which was provided to XXXX XXXX and Lennar Mortgage ), that the debt is discharged if the tender of payment is not accepted. This means, my payment for XX/XX/year> has been discharged by not only XXXXXXXX XXXX, but Lennar Mortgage previously as well. This is due to the advanced collection on the Promissory Note with the Federal Reserve Bank. I am not disputing I signed the mortgage and the Note, I dispute the fraudulent practices that Lennar Mortgage and seemingly other entities are involved in with home loan lending and required disclosures. 

XXXXXXXX XXXX now believes they are my mortgage servicer and I simply dispute this. This loan has been paid in full, due to the full reimbursement ( 30 year maturity ) of the loaned amount, and is now the responsibility of Lennar Mortgage to satisfy this debt.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concern regarding several disputed accounts on my credit report. I have previously raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 
These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 
I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 
I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 
Thank you in advance for your understanding and assistance.
Product: Mortgage

My ex-wife and I filed bankruptcy XXXX15 years ago. The mortgage was never refinanced. My wife was awarded the house in the divorce. Chase, the non-loan carrier has now placed my credit card information on the same site as the mortgage information. Chase knows this loan is non existent as they already reported to the credit bureaus to remove the transaction info from the cleared loan from my credit history. I refuse to sit on hold while they transfer me around from operator to operator. I have contacted them twice on the website and received e-mails saying " this sensitive information is not available on the web, please call. '' Which is exactly my point. But why do I have to waste my life listening to their propaganda tape loop while they act like they are fixing their error. I want them to pay me for my time if I am going to waste it repairing their criminal conduct.
Product: Debt collection

Portfolio Recovery Associates are in violation of the Early Warning Clause. Portfolio Recovery Associates has to delete account off my XXXX, XXXX and XXXX credit reports.
Product: Credit reporting or other personal consumer reports

I am known victim of identity theft. I have reported this information to the credit bureaus already but they do not respond to my correspondence at all. The accounts on the report attached here were not authorized by me as a consumer and are the result of fraud. Please assist me in this matter.
Product: Credit card

I have requested that these late payments to be removed because I was never late on paying off these accounts.
Product: Credit reporting or other personal consumer reports

TO Equifax : I am writing to formally request an investigation into an incorrect debt listed on my credit report that was reported by XXXX. I have previously disputed this debt in XXXX, but no response was received from the creditor, and I am now requesting your assistance in reviewing the matter further. As part of my dispute process, I sent a certified letter to the creditor at the address listed on my credit report, requesting documentation that would substantiate this alleged debt. Specifically, I asked for six pieces of evidence to verify this debt, as outlined in the documents I attached. 
This failure to provide a response to my request for concrete evidence clearly establishing this debt as mine, in addition to the lack of a valid address for the creditor, raises serious concerns about the accuracy of the information being reported on my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive verification of any alleged debt, and I believe that XXXX has failed to comply with the legal obligations to substantiate this claim. As a result, I respectfully asked that the Consumer Financial Protection Bureau ( CFPB ) conduct a thorough investigation into this matter. 
Specifically, I request that the incorrect debt listing from XXXX be removed from my credit report in accordance with the FDCPA and relevant regulations. Thank you for your attention to this matter. I trust that you will take the necessary steps to ensure that my credit report is corrected, and I look forward to your prompt response.
Product: Credit card

On most recent billing statement I was credited with a payment but still assessed a late fee.
Product: Credit reporting or other personal consumer reports

I called your department after I purchased a credit report with XXXX. 
After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was CHARGE OFF account on my credit report. This is disappointing because I have been paying Credit Hero to get a report every month and I have been disputing fraud account on my credit report all this time just today I have a charge off and that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with this account listed below, so please help me remove this charge off, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 
PLEASE DELETE THE THIS FRAUDULENT ITEMS : Inaccurate Names : XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX ; Account : XXXX XXXX.
Product: Credit reporting

The name XXXX has been recently added to my credit report. That has not been my legal name in 10 years. If someone is actively or recently using this name on ANY credit related requests, it is FRAUD! Please take this inaccurate name off of my credit report. My full legal name for the last 10 years has been XXXX. Thank you!
Product: Checking or savings account

On XX/XX/year>, I made a purchase for {$90.00} at a XXXX XXXX XXXX ( the merchant ) using my Apple Wallet card associated with my Navy Federal debit card. On XX/XX/year>, I got a new XXXX. On XX/XX/year>, I attempted to return the merchandise in-person at the merchant. The merchant refused the return because the card numbers did not match. I attempted to use the XXXX XXXX card for my Navy Federal debit card as well as the physical debit card, but the merchant did not accept either. I showed the merchant my bank statement proving that it was made with the cards I brought. They advised me to call XXXX. I called XXXX and explained the situation and XXXX said that because I got a new device the card number would not match. XXXX stated that my only remedy was to call the card issuer, in this case Navy Federal, to dispute the transaction and process the return that way. I called Navy Federal and explained the situation and the customer service representative ( CSR # 1 ) stated that I could not file a dispute. I told her that it was my right to file a dispute and that I would reach out to a consumer rights agency and CSR # 1 promptly filed the dispute. On XX/XX/year>, I received an email indicating that XXXX XXXX had rejected my dispute. The email stated that I could request the documentation used to decision my claim so I called Navy Federal around midday on XX/XX/year>, to do that. The customer service representative who answered my call ( CSR # 2 ) asked me to explain the reason for my dispute. CSR # 2 told me that CSR # 1 did not include the information I provided in the dispute and that is why Navy Federal rejected the dispute because there was simply not enough information provided. CSR # 2 advised me to send a message through the Navy Federal secure message center providing my narrative again in order to reopen the dispute.
Product: Payday loan, title loan, personal loan, or advance loan

I was defrauded by a company through an application advertised on social media, which collected my personal information. Despite my efforts to protect my data by withholding explicit details during the process, my confidential information was breached and shared with multiple unauthorized companies. 

On XX/XX/XXXX, at XXXX XXXX, I received a disturbing email containing compromised details resembling those from the loan application. This occurred without my consent or knowledge, suggesting a data breach, as the money exchanger transferred funds without my authorization. 

I have no contractual relationship with TransformCredit.com, nor have I ever waived rights to my copyrighted/trademarked name. Yet, on XX/XX/XXXX, at XXXX XXXX, I received an email from " XXXX '' a company unregistered in Virginia and unknown to mecontaining a frivolous document claiming to fix my information, which I never provided. This appears to violate XXXX U.S.C. XXXX ( mail fraud ), and I intend to report it as such. The fraud seems to originate with " XXXX. '' After filing a complaint with XXXX XXXX XXXX, the extent of the compromise remains unclear, prompting me to request investigations by the XXXX, XXXX, and CFPB to halt this immediately. 

TransformCredit.coms negligence is evident, as I never signed nor intend to sign any agreement with them. Their possession of my data is alarming. On XX/XX/XXXX at XXXX XXXX, they sent another email requesting more information, despite my copyrighted/trademarked data and repeated demands to cease communication. I formally notified them to limit all contact to writing, yet their harassment persists, including an insulting request for a co-signerdiscriminatory and questioning my competence. This warrants further legal action. 

Breach of Contract The facts above demonstrate a breach of contract by these companies. Their unconscionable actions and emails raise questions about how they obtained my information and their legal basis for using my name without compensation, which only I can authorize. 

Fraudulent Inducement and Larceny by Trick The circumstances outline fraudulent inducement, fraud, or larceny by trick. Neither company can produce original documentation proving I submitted the application. Legal action is justified against these trespassers, as determined by applicable regulatory bodies. 

I request a jury trial and attorneys fees due to the intentional wrongful acts of these companies, where such awards are appropriate. 

Constructive or Resulting Trust The companies actions suggest they hold payment in a constructive or resulting trust for my benefit. Their refusal to render payment breaches this trust and their fiduciary duties, meeting the threshold for immediate action against their wrongful conduct. I seek attorneys fees and reimbursement for lost productivity time due to these breaches.
Product: Mortgage

Loan Modification payment 3 times higher than normal payment. PHH is acting in bad faith and illegal business practices ; 1 ). During this entire process, I have only actually talked to my single point of contact only once and that was after I needed to set a 2 week appointment - PHH has NOT provided me with a true in fact single point of contact - please see attached phone log I had with a PHH customer service rep herein attached ; 2 ). Loan Modification payment is too high ( see attached PHH letters ) My loan modification payment is suppose to be lower ( PHH can achieve this by forgiving partial balance, extending loan term to 40 years, lowering interest rate to 1.5 %, first 5 years set the monthly payment at {$2000.00} and then gradually increase - We are just getting through a pandemic which wreaked financial havoc on myself and my family and NOW PHH proposes I pay nearly {$7000.00} per month? 
3 ). XXXX XXXX- during this entire loan modification process, PHH has held an open and active Trustee 's Sale date against my home. I requested written confirmation that said XX/XX/XXXX was cancelled however PHH never provided me with any. Please see attached notes ; When I called into my single point of contact who was not available, the PHH customer service rep would NOT confirm that said XX/XX/XXXX was cancelled however told me I could speak to my single point of contact on XX/XX/XXXX which was the soonest I could speak with him.
Product: Debt collection

I received an email from this company that I could not open. I sent email to medical coordinator at a doctor office. On my first time at the doctors office I signed documents but none of them was this company, loan hero. Their contract was signed by the coordinator and not me. I never consent, agreed, or even seen any part of their contract until about one year later when XXXX XXXX provided me a copy. Their contract was signed st the doctors office on a day I was not there. This means it was signed by the office and not me. I never signed or agree with this company loan.
Product: Credit card or prepaid card

This is XXXX XXXX. I have an account of Amazon Credit Card ( Store Credit Card ), I have always purchased amount on 6 Months Promotional offers ( {$150.00} or above ) or 6 Months Equal Payment Financing ( {$150.00} or above ) and 12 months promotional offers ( {$490.00} or above ), and I am paying off all my promotional balance before expiration and never let anything left but still unpaid regular {$540.00}. My first question, how my regular balance came out too much on my statement, when I am purchasing everything on promotion, Synchrony Bank have no answer, XXXX splitting transactions and posting it on Synchrony Bank less than {$150.00} and Synchrony Back system understands that items are purchased less than {$150.00}. Synchrony Bank have glitch in their system and applying interest on transaction which is posted in categories or splitting amounts. I never purchase anything {$150.00} but XXXX posting it separately and causing system to put interest on every transaction. Kindly fix it. This is completely fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I have no awareness of these inquires on my credit reports & These accounts are fraud & even past the 7 yr limit. 
Inquires. 
XX/XX/XXXXXXXX XXXX XXXX XXXXK XXXXXXXX XXXX XXXX  XXXX, XXXX, VA XXXX XXXXXXXX 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 DEPT OF EDUCATIONXXXX XXXX XXXX XXXX Account Status PAYS_AS_AGREED ( & this acct. reports paid why is still on my report ) Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity XX/XX/XXXX Date of First Delinquency ( N/A ) {$9200.00} ( this act is fraud, inaccurate & passed the statue limitations 7yrs from the 1st delinquency. This fraud acct. been o my reports for 19 yrs 3months! I never received student loans, SHOW THE PROOF OF MY WET SIGNATURE & ORIGINAL CONTRACT, BY LAW IF THEY CANT PROVIDE PROOF IT SHOULD E REMOVED DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX DEPT OF EDUCATIONXXXX  XXXX XXXX XXXX Account Status PAYS_AS_AGREED ( & this acct. reports paid why is still on my report ) Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity Date of First Delinquency XX/XX/XXXX {$6800.00} ( this act is fraud, inaccurate info. & passed the statue limitations 7yrs from the 1st delinquency. ) More fraud accounts from Dept of education : XXXX XXXX, XXXX XXXX, xxxxxx XXXX, XXXX XXXX SHOW THE PROOF OF MY WET SIGNATURE & ORIGINAL CONTRACT, BY LAW IF THEY CANT PROVIDE PROOF, IT SHOULD E REMOVED US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act OneMain financial Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect information on my credit report. I have 2 derogatory late payments incorrectly reporting on my account. The 1st late payment is from XX/XX/2022. The 2nd late payment is from XX/XX/2022. I need these late payments removed immediately as they are incorrect. I have sent in dispute letters and tried contacting XXXX, experian, and XXXX by phone and have received no help.
Product: Mortgage

We live in an area that was affected by Hurricane XXXX. I called in at the end of XX/XX/XXXX and asked for a loan deferment. I was informed that the deferment was pending approval, and they would notify me when it was approved. I asked to proceed with a deferment, and they enrolled me in a forbearance plan without my consent. I was under the impression my loan was being deferred, in which 3 months of loan payments would be added on the back end. I am now being sent letters discussing foreclosure, if I am unable to pay my mortgage in full for the 90 days. I called in and informed them that they made a mistake, and they blamed me and showed little concern. Their misrepresentation has put my family in a touch situation, where we now have to find a way to come up with nearly {$7000.00} in less than 30 days, in order to avoid foreclosure procedures. Pacific Union needs to be held accountable for this misrepresentation, wrongfully enrolling me in a forbearance plan when I specifically asked for a deferment plan, and their lack of concern or care for consumers.
Product: Credit card

In XXXX of XXXX, I discovered an Imagine XXXX  account had been opened in my name. 
I immediately contacted customer service for information. After further research, I learned my XXXX granddaughter had applied thinking it was for anyone in the family. I called Imagine again to accept responsibility for the account and to begin making payments. I was told that before I could access the account, I would need to submit proof of identity and they would email a link so I could upload and send documents. 
After several weeks and several calls to customer service, I finally received the link.

I submitted the required documents. Four to six weeks and several phone calls later, I finally received a statement. Due to the length of time past, the balance went over limit with late fees, over-limit fees, accrued interest and a returned check fee. 
When I first called, the balance was around {$1400.00}. Due to the inability of Imagine XXXX  customer service to respond in a timely manner, the balance escalated to over {$2000.00}. 
I responded immediately to get this issue resolved, to no avail. Attempting to explain what had happened was next to impossible as they didnt speak clear XXXX and couldnt understand. 

I am filing this complaint due to the failure of Imagine XXXX  customer service department and the resulting balance from fees and interest which are not my responsibility. 
I am requesting that these fees be removed and a reasonable balance be established.
Product: Money transfer, virtual currency, or money service

THE COMPANY IS WESTERN UNION. I USE THEIR ONLINE SERVICE, AND THE RECEIVER COUNTRY WAS XXXX. THE FIRST MONEY TRANSFER WAS SUCCESS, BUT THE OTHER 3 WHEN I INTRODUCE THE NAME OF THE RECIPIENTS I DID IN THE RIGHT ORDER, BUT WHEN THE TRANSFER WENT TO THE AGENCY THE NAMES WERE MIX AND THE RECIPIENT WERE NOT ABLE TO REQUETS THE MONEY, WHEN I TRIED TO FIX THE ISSUE, THE SYSTEM GIVE ME THE OPTION TO EDIT, BUT AT THE END SHOWS A MESSAGE THAT THEY ARE NOT ABLE TO PROCESS THE REQUEST, WHEN I WENT FOR OTHER OPTIONS ALMOST WERE THE SAME, AT THE END THE ONLY VALID OPTION WAS CANCEL THE TRANSACTION, BUT IN SMALL LETTERS SAID THE FUNDS WERE AVAILABLE AFTER 7 BUSSINES DAYS AND THEY NOT REFUND THE FEES, I DON'T KNOW IF THEY DO ON PURPOSE TO KEEP THE FEES WITHOUT DO ANYTHING, BUT LOOK SCAM FOR THE CUSTOMERS, ALSO WHEN I SPOKE TO CUSTOMER SERVICE PUT A LOT OF COMPLAINS AND REQUEST A LOT OF PERSONAL INFORMATION. THE TRACKING NUMBER OF THE 3 TRANSACTIONS WERE 1 ) XXXX XXXX XXXX, 2 ) XXXX XXXX XXXX, 3 ) XXXX XXXX XXXX, IN ADVANCE THANK YOU FOR THE ATTENTION GIVEN VERY RESPECTFULLY XXXX XXXX ( XXXX ) XXXX.
Product: Debt collection

Checksmart XXXX collections office has been harrassing me for 5 months. I have informed them multiple times that they have the wrong number. They are attempting to reach a woman 's home phone number and are instead calling my cell phone every day. The agents are extremely XXXX and XXXX toward me and i have never done any sort of business with tgem. I have inforned them on XXXX occassions i would be filing a complaint against them if the calls continued yet they still continue. ( XXXX ) XXXX is the number they call from. When you call back their answering service is de eptive as well.