23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I recently refinanced my VA mortgage loan with XXXX Bank. The terms and conditions of repaying that loan were disclosed at time of escrow closing. The monthly mortgage payment is due the XXXX of each month, and the borrower is provided a XXXX grace period before any late fees are assessed. 

Within just a few weeks following loan closing, the lender XXXX sold the loan to Pacific Union Financial LLC out of XXXX XXXX, TX. Pacific Union is trying to assess a {$5.00} draft fee for payments made after the XXXX of the month. They claim this is because they utilize a XXXX party servicer that charges Pacific Union Financial a {$5.00} fee to process. 

I have informed Pacific Union that they can not assess additional fees not disclosed or agreed upon in the mortgage closing documentation. They also state that they waive the {$5.00} fee for payments received between the XXXX thru the XXXX of the month, but choose not do so thereafter. 

That Pacific Union has opted to process payments thru this XXXX party server that charges them a {$5.00} fee is not the responsibility of the original borrower to bear. They have not offered to permanently waive this fee for payments received after the XXXX. We never agreed to these terms, and have always been allowed the XXXX grace period to make the mortgage payment ( previously financed thru XXXX Bank out of Michigan XXXX with no additional " late '' fees assessed and applied to the loan. We were not offered any input when XXXX unilaterally sold the loan to Pacific Union, nor have we or will we agree to additional monies being assessed against the loan amount for the " privilege '' of making online payments or failing to meet an additional due date over and above those agreed upon at time of closing. 

Thank you for your assistance.
Product: Debt collection

XX/XX/XXXX To whom this May Concern, This item was purchased by a third-party debt collector. This account must be deleted as the status is not correct, the amount is not correct, and account was paid for less than owed by third party debt collector. As you can see by my attached report. This information is NOT CORRECT & NOT ACCURATE. There for it must be DELETED IMMEDIATELY. 
Here is the account name and number for reference and incorrect amount. 
Jefferson capital systems acct # XXXX XXXX How much did the collection company pay for this item? I dont know and neither does my credit report reflect such amounts. This is a clear violation of FCRA as this is not accurate or complete. DELETED THIS IMMEDIATELY! 
Thanks, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX Ky XXXX Last XXXX XXXX
Product: Mortgage

was trying to refiance fromXXXX XXXX trust and stole my money was trying to get my mortgage backontrack the mortgage company keeps telling me they never got the paper work The company don't care about you shellpoint mortgage Ineed help
Product: Debt collection

My original student loan was with Navient ; which was incurred in XX/XX/XXXX ; I was current on my loans until I filed for bankruptcy ( which was filed in the bankruptcy courts in Arizona on XX/XX/XXXX ), listing Navient in my bankruptcy petition. On XX/XX/XXXX, the Judge entered an Order of Discharge ( which Navient was part of that discharge order ). After the order, I received phone calls and letters from XXXX ; and now on my credit report I have a company stating I owe them student loans to this company : XXXX XXXX  XXXX XXXX XXXX XXXX ( Educational ). I have never had any loans with this company ; nor do I owe any loans as I filed for bankruptcy and owe nothing to anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living XXXX being, I have rights under 15 USC 1681 Equifax is governed by 15 USC 1681. Equifax violated my rights numerous times. I demand the accounts listed below be removed because according to 15 USC 1681, I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Dispute Confirmation Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ( XXXX ) XXXX Account ending in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit and saw various inquiries that do not belong to me for the same date - XX/XX/XXXX. Additionally, they have been reporting for almost one year. If this was for an auto loan, then these should have been grouped together as one and should not be listed individually. But i am requesting REMOVAL because it has been one year. 

XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX CARVANT FINANCIAL LLC XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, Used XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I attempted for two hours to unfreeze my credit with XXXX and to see my credit score.

After two hours on their website I was able to finally get my credit unfroze but unable to see my credit score. 
Their website & search icons are built to take you to pages that again & again attempt to coerce you into buying a subscription service in order to complete your business with them. These sites also are very sneaky into trying to get a lesser aware consumer into actually paying for something they are supposed to get for free. 
All three : Equifax, XXXX & XXXX gave me GREAT difficulty in getting both my credit score and allowing me to unfreeze my credit for a purchase even though I had an account already set up with all them! 
This is wrong, it is purposeful manipulation to sell you a product you do not need!
Product: Money transfer, virtual currency, or money service

XX/XX/2022 To Whom It May Concern : RE : Dispute with BMO Harris Bank XXXX name is XXXX XXXX XXXX, on XX/XX/XXXX, I transferred $ XXXX from my account at XXXX XXXX XXXX to my beneficiary, XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX ) at BMO Harris Bank, XXXX XXXX XXXX XXXX, XXXX, IN XXXX. They have held my funds for nearly a month. I have asked my credit union to have BMO Harris Bank to return the funds to my account. This is serious because the money was for family support. The purpose of the funds was to help a family member whose health and business was affected by Covid. 

It should be noted that on the original wire transfer the name of the beneficiary was misspelled and that should have triggered an immediate return of my funds. Bank protocol should have returned my money to me the same day since the beneficiarys name was incorrect. Instead, BMO Harris Bank has held my funds for nearly a month with no one contacting me for a reason. 

My credit union reached out to BMO Harris Bank numerous times and after many attempts they responded with reference # XXXX that the funds were credited to the beneficiarys account. When I contacted the beneficiary, he told me that the funds are in his account but the bank has put his account on hold so he cant transfer my funds. Nobody at the BMO Harris Bank has explained why his account is on hold. This puts my {$70000.00} in jeopardy. I need help! You should note that I have filed complaints with the FDIC, Consumer Financial Protection and Department of Financial Protection. This is a serious situation where BMO Harris is using my funds for a full month for an internal problem they are having with the beneficiary and is unfair to me. This needs to be resolved immediately. XXXX XXXX XXXX has been notified of this situation to intervene immediately to prevent an intense investigation by the FDIC. 

I can be reached at XXXX or XXXX. My address is : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX XXXX XXXX, XXXX. 
XXXX, XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  XXXX XXXX Account # 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

My city card AA get charged, some cheap cigars shops in Kentucky, I never been and pay anything there, when I reported {$290.00} wasnt my charge, I dont pay my bill because they refunded back, after two months I get changed again with The same company, I call again and reported fraud, Credit card company did nothing about, i and up paying XXXX $ with late payment and interest charge. This was XX/XX/XXXX. 
I had another problem with XXXX XXXX in XXXX I get charged {$3000.00}. XXXX some modeling agencies in California, I reported it was going on back and forth more than year, I get so tired with this, credit card company offered to pay $ 50 monthly no interest charge so I pay off {$3000.00}. With was not my responsibility. I pay both cards and they did affect my credit score can you please help me clear up my credit report thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Since 2017, XXXX XXXX and XXXX XXXX XXXX say i owe {$23000.00} dollars when i don't. As a result i have been denied 2 mortgages. I filed 3 disputes with experian and XXXX and supplied court documents. XXXX removed that alleged debt from my credit report. The debt is not mine, and/or not truthful. I even submitted the court documents to XXXX and experian and XXXX XXXX XXXX. I have no judgements against me from anyone. 

The refuse to remove it.
Product: Debt collection

On Wednesday XX/XX/2020 I received a voicemail from XXXX XXXX calling from XXXX the message was veryu rude stating that he has been retained to pursue all of my legal assets.I had no idea who he was so I called back and he immediately starting yelling that I owe a debt and that I need to pay it .I asked him from who because I had not received a letter from him. He started yelling that I am broke and probably cant afford to pay the debt. Then he said I want verification so I can find a way not to pay it. Then I asked him who was the orginal debt owner he said XXXX  XXXX .I asked him to give me their number so I can contact them .He told me to XXXX it .I said to him I wanted to make sure I had the correct info he started yelling I am too stupid to go online and XXXX.it He attacked me verbally non stop for 20 minutes. I told him clearly I can not speak to him without him yelling and being abusive so he said to speak to his supervisor and he put a guy name XXXX on the phone and I asked him what was the name of the business he was calling from he said AA Recovery in XXXX Fla. I advised him of XXXX behavior he didn't really say to much about XXXX behavior. I told him I have never seen or heard of this debt before .He said the debt was {$3000.00} I told him I never took a loan for for {$3000.00}. He said it was {$1500.00} and the rest was fees. I asked him to send me confirmation where I signed for this loan because I have not signed for a loan. He sent me a letter that stated this : Pursuant to our discussion and our clients approval this letter will serve as official notification that this office is authorized to accept the sum of {$3000.00} as payment in full on the outstanding balance for the above referenced account on the conditions outlined below. Upon receipt of cleared funds, your account will be considered paid in full. Each payment must be received in our office no later than the close of business on the date indicated below. If payments are not received in the indicated amounts and on or before the date due, this offer is hereby revoked and AA Recovery Solutions is under no further obligation to honor the terms of this offer. 
I responded to him to send me an address so I can write a letter to him to validate this loan with a promissory note etc he has yet to respond. I am not sure if this company is a scam or what. I would like to file a formal complaint against this company
Product: Credit card

Dear Sir/Madam, I am writing to file a formal complaint against Wells Fargo regarding their mishandling of a dispute on my account. My experience with Wells Fargo has been frustrating and unsatisfactory, and I believe their practices warrant further investigation by the CFPB. 

On XX/XX/XXXX I identified an unauthorized transaction on my account ( Account Number : XXXX ). I promptly contacted Wells Fargos customer service to report the issue and was assured that it would be addressed in a timely and efficient manner. 

However, the resolution process has been anything but smooth. Despite numerous follow-ups, I have encountered several issues, including : XXXX. Delayed Responses : The investigation has been unreasonably slow, with little to no updates provided by Wells Fargo. 
XXXX. Lack of Communication : Customer service representatives have failed to keep me informed about the status of my dispute, forcing me to repeatedly contact them for information. 
XXXX. Inadequate Support : The representatives I have spoken with have been unhelpful and have not provided clear or satisfactory explanations regarding the progress of the investigation. 
XXXX. Unresolved Issue : Despite the passage of [ number of weeks/months ], the unauthorized transaction has not been reversed, and I have not received any reimbursement or resolution. 

As a consumer, I rely on my bank to protect my financial interests and provide prompt assistance when issues arise. Wells Fargos handling of this dispute has been disappointing and has caused me considerable XXXX  and inconvenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time disputing these accounts that is showing on my report inwhich is not mines and possibly could be the after affect of Equifax breach, I been told that these accounts been verified, but the real question is verified by who and supported by what physical documentation. According to the F.C.R.A., once disputed and not physically verified the reporting agency is to remove it from ones report. However, this is a serious issue when one doesn't comply. The accounts that's in question and needs to be removed are XXXX XXXX XXXX, and all of the XXXX XXXX XXXX
Product: Mortgage

Hello, For the past 16 months US Bank has been the mortgage holder on a XXXX home that I own in New Jersey. During that time on roughly 4 separate occasions they have sent follow up mortgage statements that imply ( but do not explicitly state ) that my payment is past due. These follow up statements have been generated and sent BEFORE the payment due date and AFTER my payment is made. The first three times this occurred I was told by US Bank it was simply an automatic system generated statement and I can ignore it. This happened again and when I called US Bank on XXXX/XXXX/2016 I was told by a US Bank supervisor that they are required by federal law to generate these followup statements. According to US Bank for the payment that is currently due they have to send out a follow up statement 30 days after a previous payment is made and the payment that is currently due has not shown up in their system yet EVEN IF THE CURRENT PAYMENT IS NOT PAST DUE. In the most recent incident, for the payment we sent them ( due XXXX/XXXX/2016 ) the check had been presented to my bank for payment. I verified this through my bank 's website. 

There is nothing to indicate on these follow up statements to indicate that it is a reminder notice or any verbiage stating " If payment has been made please disregard ''. I believe that would go a long way to clearing up this confusion. 

I have also found US Bank to be rather slow in processing mortgage payments. We have tried to send our mortgage payment a little early to aleviate this issue but after the most recent conversation with US Bank it seems like that does nothing to solve the problem. 

I have never been late in making a mortgage payment to any financial institution on any property I have ever owned. I have also never heard of any federal law that requires mortgage holders to engage in the aforemetioned process. In my opinion by engaging in this practice US Bank is trying to coerce its customers into accelerating their mortgage payments. 

Any assistance you can offer in helping resolve this issue with US Bank would be appreciated. 

Feel free to reach out if additional information is needed. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, TN XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under th
e following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, XXXX, and TransUnion every month disputing negative items that always bring my credit score down and I am in the middle of purchasing a home. I am a XXXX XXXX veteran with nothing to my name and I am sick of it. These credit agencies will not fix errors even after I send them legal documentation signed by a judge stating I am not responsible for these following accounts, but they violate the FCR laws by always reporting what the creditor tells them to report instead of acting whats in the best interest of the consumer. So if I have a legal document stating I am not responsible I ask them to remove the accounts from my credit they so call investigate the creditor tells them dont remove it ... they do not follow guidelines they act on behalf of the creditor and keep reporting me negatively and I am so frustrated with them they are extremely rude over the phone and they do not seem to listen. They are wrongfully reporting I have three XXXX XXXX   accounts with arrearages totaling over a XXXX {$43000.00} when I only have 2 accounts Ive asked them to remove the duplicate account for 3 years now and it has not been removed. I have 2 eviction   collection accounts, 2 bailsbonds accounts, 2 credit cards that they still have not removed and the companies are no longer able to collect because it is way past the statute of limitations to collect. And I am not even responsible for them someone else is, but these creditors still keep reporting to the bureau and the bureau still goes against FCRA laws and reports it anyway. I pay all of my bills on time and I not supposed to have nothing but 2 accounts on my credit. My complaint is Im supposed to have a debt to income ratio below 43 % and credit scores up in the 620s/640s range but these credit bureaus seem to have a real big problem with reporting me accurately as if their main mission is to always keep my credit scores under 500 someone really needs to step the XXXX up and do something about these agencies. It is real scary having these agencies have total control over your life and credit. This is my third and final complaint and nothing has been done to remedy the situation my next step is to file a very hefty federal lawsuit for violation of the U.S.C
Product: Bank account or service

I asked US Bank Home Mortgage for their help when I was 3 months behind in my mortgage as a result of being a XXXX and not having income ( unemployment ) during the months of XXXX, XXXX, and XXXX. XXXX XXXX requested assistance resulted in a XXXX XXXX offer to pay an increased monthly payment to include the months I documented as months of unemployment ( XXXX and XXXX ). I rejected their offer to pay MORE MONEY during those months and continued to pay my mortgage during their decision process ( XXXX XXXX to XXXX XXXX ). My continued payments left me owing only one month past due, not including late fees. However, US Bank refused to accept a full mortgage payment XXXX XXXX, XXXX in the amount of my original payment BEFORE THEIR mortgage assistance offer started. Making this payment would bring my account CURRENT ; however, they refused to accept it. It was refused and returned to my bank through automatic bill pay. If they had accepted the XXXX XXXX, XXXX full monthly payment my account would be late by 30 days. Additionally, their offered assistance plan does not start until XXXX. I refused their offer since it included making payment during months I have no income. I am additionally disappointed with US Bank 's offer because they pursued evidence of my income for just 9 months of XXXX and ignored their own investigation ; they also refused to help me address more than {$1000.00} in late fees. This was help I could have received without a 6 month wait. I could have achieved their offer in one phone call. I SENT A LETTER TELLING US BANK HOME MORTGAGE THAT I DID NOT WANT TO ACCEPT THEIR OFFER OF HELP FOR THE ABOVE REASONS.
Product: Debt collection

Amsher Collections on behalf of XXXX. No notification from them yet the hit my credit report. Called them and they ca n't locate my debt. I need help to get it removed from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX ( XXXX XXXX ) account # XXXX, XXXX XXXX ( XXXX XXXX ) account # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXXXXXX acct XXXX XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXXXXXX acct XXXX XXXX, XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.