23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XXXX XXXX, 2014 we contacted XXXX XXXX, Wells Fargo Home Preservation Specialist, XXXX for assistance with our mortgage due to expenses arising from my wife 's continuing XXXX treatments combined with significant damage to our car when a truck lost tread on the interstate. XXXX XXXX immediately began the assistance process and sent instructions for submitting the required documentation, including XXXX pay stubs, my Social Security award letter, XXXX bank statements, and she additionally advised me to download the Homeowner Financial Assistance form. I was to fill-out Page XXXX, the Hardship Affidavit, and the Dodd-Frank Certification. During this setup process, we also spoke with a manager, XXXX XXXX, at extension XXXX, who was eager to help us through the process. I was told that while the Hardship Assistance application was in-process, however, I should not make any mortgage payments since it would unnecessarily complicate the review process, but that our credit would not be affected since we were in the assistance process. Therefore, the XXXX 2014 and XXXX 2014 payments were not made in accordance with these instructions. 
On XXXX XXXX, 2014, I was advised that the Hardship Assistance process was complete and that I was to start payments again effective XXXX XXXX, 2014 in the amount of {$1600.00} for six months, comprising the regular payment plus an additional amount to go towards the two payments that had been missed at the instruction of Wells Fargo 's Home Preservation Department. In addition, XXXX XXXX set up automatic payments for these amounts and confirmation numbers were assigned as noted below:XX/XX/XXXX/14 confirmation # XXXX for $ XXXX confirmation # XXXX for $ XXXX confirmation # XXXX for $ XXXX confirmation # XXXX for $ XXXX confirmation # XXXX for $ XXXX confirmation # XXXX for $ XXXXThese payments were all made on time as can be seen in the official Wells Fargo record attached to this complaint. However, it appears that these six payments were all reported to the credit reporting agencies as 30-days late, while the two payments not made in accordance with the instructions received from the Wells Fargo Home Preservation Department were reported to these same agencies as being 60-days late despite assurances to the contrary when I enrolled in the assistance process. 

When faced with a financial hardship, I took the responsible path and immediately contacted my lender to make appropriate arrangements. Furthermore, I fulfilled all requests for documents and additional information in a timely manner and made all agreed-upon payments on time. 

Therefore, in light of these facts, I respectfully requested that Wells Fargo immediately remove these incorrect derogatory reports from my credit record and show the payments as being paid " As Agreed '' which, indeed, they were. Today I was informed that Wells Fargo had " completed its investigation '' and determined that the credit reporting was correct and that they would so note on the credit bureau reports, but add a statement that I did not agree with their findings.
Product: Mortgage

XX/XX/2020 i started a refinance on my primary home. BSI holds a mortgage to an additional home that i own jointly with my mother. They refuse to release any verification of mortgage. I signed the release with my lender on my primary home which was sent to them, then i signed an additional release for BSI. My mother has also signed a release with BSI. I have called and left messages that don't get returned, and over the course of 3 weeks i have spoke to 5 different customer service reps who have different answers as to why they won't release verification of mortgage to my current lender. Most recently i was told that my mother filed bankruptcy, and the house was not included in that filing, and due to that they don't have to release verification of mortgage.

Payments are made monthly to BSI financial. I
receive no confirmation, no receipt, no monthly statements. Im not sure that the payments are being applied to the mortgage, and the customer service associates can't sent me anything to show payments received or applied.

I have been denied my verification of mortgage for 7 weeks now and it is causing a significant amount of problems in me refinancing my home.
Product: Debt collection

Notice, I am XXXX XXXX and i am filing this complaint myself on my own behalf trying get an amicable resolution. 
This complaint is against RENTDEBT AUTOMATED COLLECTIONS , LLC ( RDAC ), for it's blatant violations of federal and state laws, including a severe invasion of privacy as defined under the Texas data privacy act. 

Key violations : 1. Invasion of Privacy : RDAC has admitted to obtaining and using my personal consumer information without my consent, a clear violation of my privacy rights under Texas Finance Code Chapter 392. This unauthorized use of my data constitutes an egregious invasion of privacy under Texas law. 

2. Violation of Texas Finance Code : As a Texas resident, I am protected by the Texas Finance Code, which RDAC has flagrantly disregarded. Their actions directly contravene Section 392.304, which prohibits fraudulent, deceptive, or misleading practices in debt collection. 

3. FDCPA Violations : RDAC continues to report information to credit bureaus despite a cease and desist order, violating 15 U.S.C. 1692c of the FDCPA. 

4. FCRA Violations : RDAC has reported inaccurate and unverified debt information to credit bureaus, damaging my creditworthiness in violation of the FCRA. 

5. Failure to Validate Debt : Despite my explicit demands, RDAC has not provided proper verification or validation of the alleged debt, as required by law. 

6. Non-Compliance with Dispute Resolution : RDAC has failed to respond to my dispute within the legally mandated time frame, demonstrating a willful disregard for consumer protection laws.
Product: Credit card

Bank of America credit card charge me very high interest every month in addition to my monthly payments {$400.00} to this credit they makes me broken. 
Every month the bank take {$230.00} as interest. My score was XXXX and now became XXXX because of this interest I can't continue paying this amount. 
So I need to fix this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX XXXX : I have dispute with Santandar Consumer USA. I bought a vehicle and the loan was from Santandar. I was told that if I paid by a certain date, that I would not be late. They seemed nice and flexible. Unfortunately, I have multiple 30 days lateness on a lot of payments, from what I was told by their company on the phones. The truck is paid in full as of at least 2017, I believe it was prior. Additionally, this is on my husband`s credit report too. The bills were only in my name and they continued to list it jointly, along with the negative feedback, on my husband`s credit reports too. Overall, they are a good loan company, but a really bad company for credit reports. I believe, based upon the timelines I was verbally provided and set up autopayments, the 30 day late payments should be removed from my credit report. Also, they need to remove themselves from my husband`s credit report. My truck had nothing to do with him, it was my bill. 

They hurt the purchase of my recent car and their own loan - I would have picked them, but, not after seeing my recent report, anymore. I honestly thought everything was ontime. 

I concur.
Product: Credit reporting or other personal consumer reports

I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( s ) : XX/XX/year>, XX/XX/year>, XX/XX/year> It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Erroneous and Misleading Consumer Reporting and Demand for Account Documentation I am writing to formally dispute the inaccurate and misleading reporting of late or missed payments associated with my account, as reflected in my consumer report. I demand an immediate correction of these inaccuracies and a comprehensive investigation into the matter. 

I am fully aware that the billing statements issued by your corporation in question function as bonds and coupon securities, which bear interest after their maturity. This interest is recoverable and redeemable by the holder of the coupon. Therefore, I demand to know who has been redeeming these coupons on behalf of the account holder, as this constitutes unjust enrichment of the BARCLAYS BANK DELAWARE at my expense. This practice is also grounds for identity theft, securities fraud and trademark/copyright infringement. 

I demand the following specific information and documentation related to my account : Identification of the trustee for my account. 
A full T-balance accounting ledger of my account, detailing all debits and credits associated with the account. 
Detailed documentation of any and all securities connected to my account, including the XXXX  number ( s ). 
The practice of unjust enrichment is well-documented in legal precedent, including the case of Everett v. Bennett , 30 F. Supp. 2d 469 ( E.D. Va. 1998 ), which highlights the improper financial benefit derived at the expense of another. Furthermore, In re Drexel Burnham Lambert Group , Inc., 160 B.R. 508 ( S.D.N.Y. 1993 ), illustrates the necessity of providing a comprehensive accounting ledger to ensure transparency and accountability in financial transactions. 

Please consider this notice a formal demand for the correction of my consumer report and the provision of the demanded documentation. Failure to comply with these demands within 30 days will result in further action, including but not limited to filing complaints with the Securities and Exchange Commission ( SEC ), Internal Revenue Service ( IRS ), Federal Trade Commission ( FTC ), Department of Justice Consumer Protection Branch, and seeking legal redress. 

I expect a prompt and thorough investigation into this matter and look forward to your timely response.
Product: Credit card or prepaid card

I have  a Sears citibank cred it card in which I purchased  XXXX  worth of appliances In the meantime years later my balance did n't seem to go down I was just thinking it was at a high interest rate so needless to say I researched my bills and come to find out I was being charged for an " account care '' thing so I called them to cancel it and ask when I signed up for this and I wanted proof because I did n't recall ever signing up for this, So after back and forth they refunded my account for 6 months of payments for this account care fee with no interest Of course I was n't happy because pretty much all the money on my credit card is pretty much ALL THE FEES PLUS INTEREST from these fees But they ended up finally sending me where I signed for it Well I looked at this and the paragraph for the agreement for the credit card was  XXXX  sentences and the paragraph for this ACCOUNT CARE thing was huge I know I probably thought it was part of the application I found this to be VERY MISLEADING ESPECIALLY since it was done on a machine in the store I 'm sure each screen came up at different times But I feel as I was taken advantage of.. This should not be on the application it should be an option that should be mailed to you after the fact to read and understand..In the meantime I have  XXXX  of dollars I have to pay back in fees and interest And on top of that my payment is over  XXXX  a month I feel very mislead
Product: Bank account or service

Complaint submitted to the Consumer Financial Protection Board ( CFPB ) About Capital One By XXXX XXXX, a Capital One customer XXXX XXXX, 2017 With Capital One, I have a checking account, a savings account and XXXX credit cards. 

I transferred {$500.00} from an account I have at XXXX to my savings account at Capital One. 
Capital One has received my {$500.00}. It is in my " Accounts Summary '' as part of the " Current Balance. '' Screenshot submitted with this complaint. 

I tried to transfer {$300.00} from savings to checking - both accounts at Capital One - and was told there were insufficient funds. 2nd screenshot submitted with this complaint. 

I had a chat with XXXX at Capital One. She was very knowledgable and professional in explaining Capital One 's rule about this. PDF of chat submitted with this complaint. 

As I understand Capital One 's rule, when they receive funds from an external source, like XXXX, they do not release those funds to their Capital One customer right away. 

Instead, they wait several days to make sure that the external source, XXXX in this situation, will not demand return of the funds. 

Capital One refers to this acceptance of the funds and waiting - verification of the funds. 

Only after verification of the funds are the funds released to the customer. At that time, they show up in the " Available Balance. '' See a screenshot submitted with this complaint. 

Capital One does not pay me interest on my funds ( {$500.00} in this situation ) until the funds are notated under " Available Balance. '' It is my understanding of the effect of this rule of Capital One is that Capital One has my money XXXX {$500.00} XXXX. It will have my money until either the external source XXXX XXXX XXXX demands its return or Capital One releases it to me. This " verification '' can take XXXX5 days once Capital One has received the funds. 

This complaint is submitted on XXXX/XXXX/2017. I understand my money will not be released to me until XXXX. 

I must assume that the people at Capital One are smart business people. Until proven otherwise, I can only assume that they are using my money to make money. 

And, they are not paying me interest for the use of my money to make money for Capital One. 

I want Capital One to pay me interest from the time my money is received by Capital One until it is either returned to the external source ( XXXX ) or made available to me. 

I want the Federal Government to make it a rule or a law that banks are required to do this. 

The right side of this complaint is not showing up in the box to submit the complaint, so I am attaching it as a PDF. 

Please note that the actions by Capital One covered by this complaint are similar to - but not the same as - the taking of customers ' funds by Capital One in CFPB Case Number XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the multiple unsuccessful attempts and delayed removal of fraudulent items from my credit report with Credit Bureaus. Despite my persistent efforts and numerous communications, these unauthorized entries remain on my credit report, causing significant distress and potential harm to my financial standing. 

Discovered unauthorized and fraudulent entries on my credit report. 

Immediately reported the fraudulent items to your dispute resolution department, providing all necessary details and supporting documentation. 

Received acknowledgment of my dispute but witnessed no immediate action on the removal of the fraudulent entries. 

Followed up with the dispute resolution department to inquire about the progress, expressing the urgency of the matter. 

Despite assurances, the fraudulent items remain on my credit report, causing additional stress and potential financial repercussions. 

The prolonged delay in addressing this issue is highly concerning, and I find it unacceptable given the urgency and the potential impact on my creditworthiness. 

I urgently request the following actions : Immediate and thorough investigation into the fraudulent entries on my credit report.

Transparent communication regarding the steps being taken to identify and remove the unauthorized items.

Swift removal of the fraudulent entries from my credit report and a confirmation of their removal.

Assurance that my credit report will be accurately updated, reflecting the removal of the fraudulent items.

Compensation for the inconvenience, stress, and potential financial impact caused by the delayed resolution.

I insist on a resolution within the exact timeframe from the date of this letter. Failure to address this matter promptly will compel me to escalate my complaint through appropriate regulatory channels. I am asking for your assistance to remove the fraud items in my credit file : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

My account with MB Financial Services has already been settled. The car was totaled in an accident on XXXX XXXX XXXX  and it was paid for by XXXX XXXX XXXX XXXX. The difference was covered by XXXX XXXX XXXX on XX/XX/. However there remains a balance in my credit report that I would like the credit bureaus to report as paid in full. I have attached a copy of my GAP coverage to prove that the balance was covered in full. Please have this information updated on my credit report according to FCRA guidelines.
Product: Mortgage

XXXX XXXX XXXXXXXX ( XXXX ) transferred my loan to Carrington Mortgage  XX/XX/2018 ; however, when I contacted Carrington the new mortgage company to inquire about the increase in my mortgage payment. I was told XXXX   didnt transfer any loan documents to them and if I had a dispute I had to provide them with documents to support my claim. I disagree with their response. Carrington should have my mortgage history along with the deed of trust if Im responsible to make monthly mortgage payment to Carrington. I want to have legal documentation that the loan transfer is valid and they are the new lien holder of my mortgage. My loan has increased {$200.00} more than the original loan agreement. I struggled with the original loan amount ; therefore this increase is burdensome and unreasonable. Any assistance is greatly appreciated. 

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

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. : XXXXBalance {$2900.00} XXXX XXXXBalance {$390.00}
Product: Mortgage

Wilmington Savings Fund Society owns my second mortgage. The servicing company representing WSFS for this second mortgage, XXXX XXXX XXXX, took over servicing this second mortgage in XX/XX/2019. For the first payment for XX/XX/2019 XXXX sent me a bill for {$1400.00} in overdue fees. Without explanation in writing or over the phone, XXXX immediately put negative and false information on my 3 credit files which is a violation of FDCPA. For whatever reason XXXX removed the {$1400.00} after approximately 7 months. But statebridge will not remove the false credit information. Further, XXXX charged an additional {$90.00} in overdue fees without any explanation prior to charging the fee. This second mortgage prior to XXXX involvement was managed without incident for approximately 5 years with XXXX XXXX. XXXX has violated NC GS 75-1.1 for fraud and mismanagement in addition to violations of FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit react.The list of accounts below has violated my federally protected consumer rights to privacy confidentiality under 15 U.S.C 1681 XXXX  # XXXX has violated my rights 15 U.S.C 1681 Section 602A States I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 Also states that 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. Ant other adverse items of information other than records of convictions of crimes which antidotes the report by more than seven years.

15 U.S.C 1681=2 ( ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consumer reporting agency if the the person knows or has reasonable cause of believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I was notified that I had an account in collections. When I looked at it. It said through XXXX XXXX for XXXX XXXX. I do not have any policy through this company and I have spoken with XXXX  and XXXX XXXX who told me that the policy was not even under my name it is under my father XXXX XXXX. This is not the first time Equifax has allowed information for this man to be placed on my report