23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I obtained a Wells Fargo Home loan in 2005, at the time Wells Fargo loan officer informed that I did not make enough money to pay for said loan and advised and obtained a Home equity line of credit to help me make my payments. When I asked her how this was going to help me she informed me that the housing market is climbing so fast that I can refinance the loan in about a year at lower rates and combine the loans and I would pay the same monthly mortgage. 
When interest rates started dropping and housing market crashed I desperately tried to get Wells Fargo to re-finance my loan at a lower interest rate. They refused and said the house was under water and they continued to withdraw $ XXXX XXXX dollars a month interest charge on the home equity line, about XXXX dollars later after they sucked up all the remaining equity from my house. I attempted to re-finance several times and combine the loans but they would not reduce my interest rate XXXX to make my house affordable and kept withdrawing the interest from the home equity line of credit that they gave me. 
I feel that Wells Fargo duped me into a interest only loan at a high rate and said I could not afford it and gave me a equity line of credit knowing that this would drive my home further under water. 
10 years later and XXXX in interest fees on the Home equity line of credit Wells Fargo re-financed my loan after the housing market went up. They combined the XXXX loans and now I am stuck paying for a Home Equity line of credit that I did not ask for and Wells fargo took all the money out for there interest. As soon as the Home equity line of credit was tapped out they re-financed my loan. I am now in debt XXXX more than my original loan beacuse of the interest that Wells Fargo took every month from the equity account. 
When I asked the Loan officer why she did this she informed me that at the time I did not make enough money to pay for XXXX XXXX mortgage. If I did not make enough money to pay for my first how did they give me a second? which put me into more debt. 
I feel Wells Fargo Loan officer conducted Predatory lending and after seeing all the fraud that Wells Fargo has done in the last few years I am convinced that I was part of that fraud. 
I ask the Consumer Protection Bureau look in this matter and see how I was qualified for a XXXX line of credit to pay to Wells fargo in interest and how if I was not able to afford my first mortgage how they expected me to pay a second.
Product: Debt collection

XXXX XXXX has received a default judgement against me without proper notification. Judgement was passed XX/XX/2018. I was not properly notified as address on file is incorrect. Midland has been reporting a debt to the credit bureau that has not been properly validated and it has been damaging my credit. The amount and company alleged to be owed is not listed on my credit report.
Product: Mortgage

Loan amount is currently less than 80 % of original value and 12 months old. Lender is stating a seasoning requirement of 24 months and evidence of improvements. Photo of newly constructed deck was provided to lender. Lender has not responded to request and new monthly statement contains PMI amount.
Product: Credit reporting or other personal consumer reports

The late payment in question is reported by transunion [ ] for the period of XXXX 2024 of late payment ]. I believe this information is incorrect and does not comply with the requirements outlined in the Truth in Lending Act ( TILA ), specifically section 1637 ( b ) of Title 15, which mandates that creditors provide accurate and complete information regarding the terms of credit, including payment history.

Furthermore, according to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, furnishers of information must report accurate details. The late payment reported does not reflect my true payment history, and I request that you investigate this matter in accordance with 15 U.S. Code 1681i. 

XXXX XXXX XXXX  XXXX XXXX - XXXX XXXX XXXX XXXX XXXXXXXX - XXXX INQUIRIES : XXXX XXXX  - XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized accounts have been reported on my credit report as an inquire on XX/XX/XXXX, XX/XX/XXXX. No action were taken by the company.
Product: Debt collection

BSI Financial Services began calling my cell phone back on XX/XX/XXXX and has continued to call repeatedly over the last XXXX months to collect a debt from someone that I do not know. This cell phone number was issued to me as a new number through XXXX on XX/XX/XXXX so I offered to provide the company with proof of my identity and proof that the cell number was new. 

I repeatedly offered to FAX or mail proof of account/identity information to BSI, but they refused and told me each time I called that they would remove my cell number. However, the collection calls continued month after month. Each time, I would call back BSI at the extension given, the main customer service number option XXXX or use the BSI contact form to demand that they stop contacting me about a debt that was not mine. I also kept offering documentation which they refused over and over. I have proof that I contacted BSI after each and every call. I have proof that BSI have continued to call. I have proof that this number was a issued as a new service and does not belong to the debtor. I have left many voice mail messages for the agent " XXXX at extension XXXX '' with no response. I have left XXXX messages on voice mail for " XXXX 's '' supervisor BSI VP of Operations XXXX XXXX with no return call ever made to resolve this. 

I informed BSI in my voice mails to them that they were not to leave any more of this debtors personal information on my voice mail. The last called received from BSI was XX/XX/XXXX. At that time, I called BSI to inform them that I would be suing for harrassment in my local court system if I did not get a return call and was requesting mediation before pursuing them in court. I waited for several days with no response or return phone call. I filed a {$2000.00} harassment suit in small claims court XX/XX/XXXX that was sent to their Registered Agent in my state. 

I will happily pursue BSI civilly for damages, but I also want BSI to face steep fines for their non compliance with the FDCPA. BSI disclosed personal financial information to someone who is not a party to the debt in voice mails, failed to comply with the Federal do not call list and placing multiple harassing phone calls to a party who is not the debtor after being informed that the number was not a valid contact number. Please let me know how to pursue my rights and how you would like proof for this complaint to be provided to your agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pulling off multiple credit reports from dealership. 

-GM XXXX ( XX/XX/2022 ) XXXX  XXXX XXXX XXXX XX/XX/2022 ) -GM XXXX ( XX/XX/2022 ) -Capital One ( XX/XX/2022 ) XXXX  XXXX XXXX ( XX/XX/202XXXX XXXX XXXX  XXXX ( XX/XX/2022 )
Product: Debt collection

Total Credit Card issued to husband, XXXX XXXX XXXX in XXXX was included on his XXXX XXXX bankruptcy in XXXX. 
They THREATENED to have my wages garnished. 
My husband and I were not even together in XXXX. We got married XX/XX/XXXX. 
I also filed a XXXX  XXXX bankruptcy in XXXX. 
We have both added our numbers to the do not call registry. 

This is in so many ways fraudulent activity. 
Please investigate this 'litigation ' company ( could not get the name of it from the caller ) numbers included : XXXX & XXXX Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, to request corrections and updates to my personal information as reported in my credit file. Upon reviewing my recent credit report, I have identified inaccuracies in my personal information that require immediate correction. 

Under my rights granted by the FCRA, I request that you investigate and make the necessary modifications within 30 days from the receipt of this letter. 

Incorrect Information Requiring Correction : 1. Name Correction : My legal name is XXXX XXXX XXXX, but my credit report incorrectly lists it as XXXX XXXX XXXX. 
I request an immediate update to accurately reflect my legal identity. 
2. Address Update : My current residential address is : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, PR XXXX. 
However, my credit report still reflects outdated and incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PR XXXX XXXX XXXX, XXXX, PA XXXX Since outdated addresses can cause identity verification issues and potential fraud risks, I request that all previous addresses be removed and only my current address be retained. 
Supporting Documentation : To verify the accuracy of the information provided, I am enclosing the following documents : A copy of my drivers license or passport displaying my correct legal name. 
A recent utility bill or bank statement confirming my current address. 
A copy of my phone bill or any other official document verifying my updated contact number. 
Legal Basis and Request for Confirmation : According to FCRA 15 U.S.C. 1681i, TransUnion is required to investigate and correct any inaccurate information within 30 days of receiving this request. 

Therefore, I formally request written confirmation once the corrections have been made, along with an updated copy of my credit report reflecting these changes. 

If this matter is not resolved within the legally mandated timeframe, I reserve the right to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action if necessary. 

I appreciate your prompt attention to this matter and look forward to your written response as soon as possible.
Product: Mortgage

A loss mitigation package was faxed to Ditech originally on XXXX/XXXX/2016 to start a loss mitigation review. A document request was made on XXXX/XXXX/2016 where bank statements, pay-stubs, and a new letter of employment was requested. XXXX XXXX started working at his employer on XXXX/XXXX/2016. On XXXX/XXXX/2016 a letter of employment stating the first date of employment was XXXX/XXXX/2016, salary, and wage along with his first pay-stub that was received dated XXXX/XXXX/2016 was sent to Ditech. When Ditech was contacted on XXXX/XXXX/2016 they stated that because he can not supply the 30 days worth of pay-stubs they do not have a complete packet. The review was then sequentially closed in XXXX because the 30 days pay-stubs could not be provided for the new job. The review should never been closed over documents that were not able to provide. A new packet had to be sent to them on XXXX/XXXX/2016 with all updated documents. When the lender was contacted on XXXX/XXXX/2016 XXXX XXXX, the representative at Ditech, stated that the account was removed from loss mitigation, they do not have the documents that were faxed on XXXX/XXXX/2016, and they still have a foreclosure sale listed for XXXX/XXXX/2016. The file has been active in loss mitigation since XXXX and they are violating dual tracking. They not ask for documents that are not possible to have and then close out the review to continue with foreclosure. The letter of employment is the verification that they need along with the only pay-stub received that is required and they could have reached a decision but instead they closed the review and are stating they are not receiving documents sent to them to continue with the foreclosure.. Pursuant to Regulation X of the Real Estate Settlement Procedures Act, 12 C.F.R.1024.41 ( g ) they are violating dual tracking.
Product: Credit reporting or other personal consumer reports

On the evening of XX/XX/year>, I received a notification from XXXX as well as XXXX XXXX that my information had been used to apply for a credit card with Wells Fargo. A hard inquiry was placed on my report. I already bank with Wells Fargo so I first gave them a call to look into it however they could not provide any information since I didnt submit an application and have no reference number. Recently my passport was stolen on a travel so Im thinking this may be linked to that. I would like this inquiry removed from my reports. I have taken steps to freeze my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX Bank XXXX Acct # XXXX and 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX Inquired on XX/XX/2019 XXXX Inquired on XX/XX/2019, XX/XX/2019XXXX XXXX XXXX Inquired on XX/XX/2019
Product: Debt collection

IC Systems is reporting on my credit report that I owe them {$59.00} I have never done business with this company IC Systems is saying I owe them {$150.00} I have never done business with this company
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a dispute letter to the three credit reporting agencies ( XXXX, TransUnion, XXXX ) on XX/XX/2021. I asked the bureaus to delete XXXX accounts because of inaccurate information between the XXXX XXXX Each bureau is reporting different dates for my date of first delinquency ( see attached dispute letter ). I received my dispute results back from each bureau stating that my disputed information came back verified ( see attached ) ; however I reviewed my XXXX credit reports after they verified and noticed the information did not change from my initial dispute reason with the different dates ( see attached credit reports ). I noticed that XXXX accounts was missing the notice of dispute from the accounts I was disputing. How is XXXX different dates from the same creditors to the bureaus accurate? How did the bureau verify false information? Why didnt the companies send the notice of dispute within 30 days? By law, they should delete inaccurate information within 30 days but yet the false reporting has continued to cause severe anguish and multiple failed opportunities to get approved for any type of credit. I need your assistance and ensure they delete unverified and inaccurate information from my credit report. 

Uploaded documents include 53 pages : Pages 1-2 : Dispute letter Pages 3-25 : XXXX credit reports highlighting inaccuracies Pages 26-29 : USPS tracking and receipt Pages 30-53 XXXX XXXX credit reports showing no change and missing notice of disputes
Product: Checking or savings account

PNC advertised an offer where they would give a {$400.00} bonus for making a new account and having {$5000.00} of " qualifying direct deposits '' post to the account. 

Their terms stated : A qualifying Direct Deposit for this offer, is defined as a recurring Direct Deposit of a paycheck, pension, Social Security or other regular monthly income electronically deposited by an employer or an outside agency. 

I had over {$5000.00} of direct deposits post from XXXX XXXX but they denied the bonus. 
I consistently got 2-3 payments from XXXX XXXX XXXX every month. 

They clearly met the four conditions, as they : are recurring, are regular monthly income, are electronically deposited, and are from an outside agency. 

I escalated a case with them and they claimed it wasn't income, but I consistently make $ XXXX {$1000.00} per month in income from online gambling. 

I was looking for a new bank to start a relationship with, but they seem to be typical XXXX XXXX, always screwing the average XXXX. 

Please hold them accountable to do what they promised. 

Thank you.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Chex Systems block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal bank account with a balance of {$750.00} with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX AND XXXX  XXXX BANK HAVE REPOTED LATE PAYMENTS AFTER ACCOUNTS HAVE BEEN CLOSRD. MONTHS LATER. THEY THEN AFTER DISPUTINNG SUBMITTED NEW CLOSED DATES SO THAT THE LATE PAYMENT FILINGS COULD STAY ON REPORT. 

THERE ARE XXXX DATES OF ACCOUNT CLOSING. XXXX AN OFFICIAL DATE OF CLOSURE THEN ANOTHER LISTED IN THE " PAYMENT HISTORY '' SECTION OF REPORT. XXXX DISPUTED AND BROUGHT TO CREDITOR AND DISPUTED WITH BUREAUS ... .NOTHING HAS BEEN DONE... .SEVERAL DISPUTES FILED... WHEN I BRING IT TO THEIR ATTENTION... XXXX TOLD TO FILE ANOTHER DISPUTE. WHEN I SAY IVE DONE XXXX OR MORE LOOK AT THEM ... XXXX TOLD THEY ARE CLOSED AND CANT HELP ME... SO THEY DONT WANT TO LOOK AT THEM. 

WHEN I QUOTE THE F C R A REGULATIONS AND ASK HOW THIS CAN BE ... THEY SAY XXXX RIGHT .... '' BUT THEY CANT REMOVE '' CREDITOR HAS TOO. XXXX STUNNED ... IN MY FACE AND IN THEIRS ITS WRONG AND THEY REFUSE TO REMOVE UNVALIDATED DEBTS AND WRONG / FALSELY REPORTED NEGATIVE INFO... .THEY REFUSE TO DO SO AND TELL ME " THATS ALL THEY CAN DO FOR ME IS FILE ANOTHER DISPUTE ... XXXX HAVE EXPLAINED YOUR OPTIONS I AM GOING TO END THIS CALL BECAUSE I CANT HELP YOU '' I HAVE RECORDED CONVERSATIONS OF XXXX  FROM EACH BUREAU TELLING ME THIS. 

XXXX  IS ANOTHER ... PAID OFF ACCOUNT XX/XX/XXXX. XXXX XXXX. DISPUTED IT ... XX/XX/XXXX RESPONDED INFO IS CORRECT... DISPUTED AGAIN IN XXXX... XXXX... SAME THING ... WHEN I ASKED FOR WHAT XXXX THEY COULD POSSIBLY GIVE YOU SHOWING A BALANCE OWED... THEY REFUSED TO TELL ME OR OFFER ANY INFO... .SO I ASKED THEM ... .WHAT COULD THEY POSSIBLY GIVE YOU AS PROOF ... WHEN I SUBMITTED XXXX  FROM XXXX  " THANK YOU FOR YOUR BUSINESS LOAN IS PAID OFF ... WOULD YOU LIKE TO PURCHASE ANYTHING ELSE '' EVEN HAD THEM ON PHONE WITH XXXX BUREAU ... XXXX PAID IN FULL... THEY STILL DID NOTHING ... .AND HAD NO WAY OF VALIDATING CREDITOR REPORTING ... I HAD EMAIL ... .ITS STILL LISTED AS OPEN... AND XXXX CREDITOR REPORTED IT OPEN STILL ... XXXX ASKED FOR PROOF IT WAS... THEY HAD NONE TO OFFER ... .I THOUGHT THEY HAD TO IMMEDIATELLY REMOVE ... .TOOOOO MUCH TO TYPE ... .TOO MUCH MORE ....
Product: Student loan

A note : I have also filed a complaint today regarding this issue with the department of federal student aid. I am filing here primarily to report the problems I have had with Aidvantage ( historically, XXXX ) so the problems are well-documented and others can see the problems with this company. 

I am currently in school, attempting to pay interest + a little extra towards my grad school loans as I can. My loans are serviced by Aidvantage. My intention is to have each payment pay down any accrued interest across all my open loans, and then apply any remainder ( " overpayment '' ) to the loan with the highest balance. Although I have expressed this multiple times to Aidvantage on the phone and in email, and been assured by multiple representatives that this is how payments are processed by default at Aidvantage, my payments are not being applied this way, and instead are applied to just one loan, allowing the other loans to continue accruing/compounding interest. There does not appear to be a way among my automatic/online tools to ensure my desired result. I have had an extremely difficult time getting in touch with Aidvantage to resolve this. On calls, I have twice waited over 50 minutes only to be disconnected without any resolution or follow up ( with and without reaching a representative ). I am told to expect responses to emails within two days, but generally do not hear back until ten days later, and with messages not addressing my issues or requests. Meanwhile, as time passes, more and more payments are being misapplied to my loans in the same manner described above. 

Prior to taking out my grad school loans, XXXX ( now Aidvantage ) serviced my loans. My attempts to pay my loans responsibly ( i.e. on a standard repayment, with overpayments as possible ) were also consistently mis-applied against my best interest and stated wishes. Wait times were long ; customer service agents contradicted each other, gave bad information, or were outright hostile/insulting. Eventually refinanced with a private lender to get away from them. Knowing this, I contacted Aidvantage prior to the lift of the COVID-19 hiatus expressing my overpayment direction instructions, and have documented every interaction I have had with them since. It took mere weeks for the nonsense to begin.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash app ( Block , Inc ) due to inadequate customer support and unfair practices which violates the customer financial act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the electronic funds transfer act ( EFTA ) and regulations. These actions has caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not let me re-dispute inaccuracies on my credit file via the Experian website. 
a number of accounts are not mine and are lowering my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting an unpaid tax lien in the amount of XXXX. I filed a dispute stating its not my account, they investigated and just updated my report but did not remove it. When I contacted the courts that placed the lien, I was told when they did a search on my name, the lien came up but when they compared it with my social security number, the lien was n't there. I explained this to Equifax and said they placed this on the wrong person and was told they would not remove it until the courts contacted them.
Product: Debt collection

Ive tried disputing online before it supposedly came back verified i also sent a letter directly to the company however i noticed that this company is not bonded in the State of Texas and can not legally collect debt.