23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

# 1 XXXX from XX/XX/XXXX to XX/XX/XXXX Was the originator of my Mortgage wich was a fraudulent loan with excessive brokers fees and charging XXXX intrest in the state of XXXX. Listed in the XXXX district court from XX/XX/XXXX to around XXXX is XXXX as the Mortgage lender .XXXX , Wich I was part of a class action Law suit for this transfer and a 2 year clause not letting borrowers refinance at a lower intrest rate, XXXX found in favor of the borrowers in this class action suite , but this did not stop the fraud. XXXX had the mortgage 3 months then transferred to Littion Loan servicing or XXXX XXXX, None of these banks are on the Mortgage as the note holder as required under consumer protection Law, 30 days in state and 90 out of state or lose your right to collect. This is XXXX State Law as well as Federal Law. When oer XXXX documents were sent to you HUD and Federal Trade Commision Documenting this fraud Litton Loan servicing was to be removed from my credit report. Not documenting payments putting insurance when I had paying taxes when not late. wich is a consumer fraud from high intrest loans mine was at 9.9 ad more. claiming less money paid in to IRS wich I sent XXXX XXXX receips to and they filed charges agains Littion Loan Servicing. then after being found for Fraud by you with the documents sent you. Littion Loan servicing transferred to XXXX. who is currently claiming there are foreclosing on my property. When the XXXX district court left XXXX XXXX do that. as they registered with an out dated notary form that they owned the Mortgage on XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
This same person transferred my mortgage on the same day from XXXX to XXXX then to XXXX XXXX. XX/XX/XXXX after the Law suite with XXXX and XXXX was settled and both went bankrupt. I have had no contract with XXXX XXXX and never got anything from any one saying these people owned my Mortgage. and Litton Loan servicing was collecting my Payments not XXXX XXXX. But never registered as the bank to collect my mortgage. 

How does a bank that I never signed anything with nor agreed to this transfer with for close on my mortgage? When under my contract they could only transfer 1 time? 
How can they collect intrest after I stoped paying because of the excessive fraud also claming a XXXX dollar loan was now XXXX XXXX taking away all my equity in this property? When XXXX does not let you charge intrest like this? This is our justice system? This is consumer Protection? 
Ocwin did not foreclose on my Property XXXX XXXX did with out any legal right. How can this be? Why is this on my credit report? No refinance was offered for this fraudlent loan eather wich prompted my finding out about all the fraud. Please return my property tome and clear up my credit report within 5 days of this complaint.
Product: Student loan

I paid of my loans in full on XX/XX/2023. My account shows a balance of XXXX but says that I owe {$2.00}. This is because the payment was dispersed incorrectly. 4 out of the loans have a combined balance of {$2.00} and 1 of the 5 has a balance of - {$2.00}. So since it is incorrect its thinking I still owe and my account isnt being closed. I shouldve gotten an account closure/paid off letter by now but this issue is holding it up. Ive called multiple times over the last 2 months and NEVER get through after hours of waiting or dont get a callback when opting to do so. The 1 time I did get through it was a representative in training who had to transfer me and then after another hour of waiting it hung up. Ive also sent several secure messages which also go unanswered.
Product: Credit reporting or other personal consumer reports

XXXX is reporting inaccurate information and refusing to delete the disputed information. I have done four disputes and the reporting agency refuses to delete the inaccurate information. I have also filed a report with the Attorney General and I am requesting mediation and representation services from CFPB
Product: Student loan

XXXX Colleges, operating under the name XXXX XXXX, in XXXX XXXX, WV promised to enroll me into an XXXX program that did not exist. Their pitch was " complete the XXXX program and you will then move to the XXXX program. '' Midway through the XXXX program, I learned that no XXXX program existed for XXXX XXXX in West Virginia. I completed the program because I was too far in to turn back. I received a " Genesis '' loan that is now owned by University XXXX XXXX.
Product: Mortgage

We applied for a home mortgage loan with Wells Fargo the XXXX part of XXXX for a purchase in XXXX, Ok with escrow to close on XXXX XXXX, 2015. We were told on XXXX XXXX, 2015 that the bank would NOT fund the loan. The bank did not have to courtesy toinform us, we learned of this decision through the escrow company. 
The reason stated for refusing the loan were not accurate but we could not getthe bank to change their minds. To close this deal we had to empty our brokerageaccounts and now can not get a mortgage as a new purchase with the better interest rate. 
Wells Fargo put us in a financially impossible position. To have a lender now it willneed to be a refi and I am being told that I have to wait at least 6 months to even apply and the interest rate has already gone up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect items on my credit report, it has been well over 30 days, and I have not received any investigation results.
Product: Credit reporting or other personal consumer reports

To whom it may concern, My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was inaccurate, which surprises me because you should adhere to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX  XXXX Account XXXX This is my FINAL NOTICE. I've told y'all over and over that my info got messed up in that XXXX XXXX breach, and now my credit report 's got all kinds of fraudulent stuff I don't even recognize. UNPROVEN! Y'all can't just assume these undocumented claims are valid or report 'em like that. Show me proof y'all are following the right compliance standards for this account. The FTC is on this. DELETE! 

XXXX XXXX Account XXXX This is my FINAL NOTICE. I've told y'all over and over that my info got messed up in that XXXX XXXX breach, and now my credit report 's got all kinds of fraudulent stuff I don't even recognize. UNPROVEN! Y'all can't just assume these undocumented claims are valid or report 'em like that. Show me proof y'all are following the right compliance standards for this account. The FTC is on this. DELETE!
Product: Student loan

Hi, Before the COVID forbearance, I was making my student loan payment under the XXXX  ( Revised pay as you earn ) plan, with a total monthly payment of {$280.00} ( two loans ). Please see my attached payment tracker. 

As you know, the payment pause is coming to an end. However, my monthly payment has increased drastically to {$3400.00}, out of no reason. I have also attached the screenshot of my new payment amount for your reference. I did not do an income recertification and did not change plan during the COVID forbearance. Under the published Federal Student Aid policy, the payment amount will return to what it was before once the payment pause ends. 
Resource link : https : XXXX # payment-amount I have also attached a screenshot of such policy. 

I have contacted MOHELA numerous times and each time, the representatives acknowledged their mistake and said they would submit a request to get it fixed. However, every request had been denied by some unexplained reasons.
Product: Vehicle loan or lease

I had a vehicle loan with HMF that I was paying off at an accelerated rate by making extra payments. I decided I wanted to pay off my entire loan in one lump sum. When I contacted HMF to receive a payoff quote, I was told that some of my previous payments were being held " in suspense '' because of how far ahead I was on my payments ( roughly 22 months. ) I was unable to get an accurate payoff quote because of this. I was told to generate the payoff quote online, payoff the amount that was shown, and that any overage would be sent back to me as a refund once the loan was paid off. 

I generated a payoff quote on HMF 's website on XX/XX/2020. The payoff quote was {>= $1,000,000}. I knew this amount to be higher than what I owed but again was assured it would be handled by the payment processing department. I wrote the check, sent it in the mail to HMF. 

I received correspondence from HMF on XXXX XXXX from a gentleman that was assisting me in getting the payments that were being held in suspense cleared. He informed me via email that he was able to do so and that my payoff quote should now be correct. I had already sent the check in the mail by that point but generated another payoff quote online just to confirm. The payoff quote generated on XX/XX/XXXX after payments were applied properly was {$9000.00}. This is about what I expected the payoff quote to be so I felt confident that all issues had been resolved and that the difference would be handled when the loan was finalized. 

I received a letter in the mail from HMF that my loan was now paid off and I was able to receive my title from the DMV. I have contacted HMF numerous times over the last few weeks to get an update on my refund. Each time I am told that there has been no update from payment processing and there is nothing further they can do. 

The difference between what I sent to HMF ( {$10000.00} ) and what my corrected payoff quote amount was ( {$9000.00} ) is {$1000.00}. That is the amount I am owed from HMF. 

The last correspondence I have from HMF was on XX/XX/2020 from the same gentleman that was helping clear my payments via email. He confirmed that I would be receiving a refund and that he was " working on the refund now '' but explained that due to COVID19 accounts payable is working from home and processes are behind. I feel that I have been more than patient during this time and would simply appreciate an update on this situation and would like to receive the money I am due. 

Thank you for your attention to this matter.
Product: Money transfer, virtual currency, or money service

Accidentally sent money to wrong person could not get it back
Product: Checking or savings account

My Bank of America account was closed due to someone doing fraud in my name now I cant open a bank account .XXXX  XXXX  was fraud too
Product: Credit reporting or other personal consumer reports

I am disputing the inclusion of incorrect personal information on my credit report. The details below are unrelated to me, and I request their immediate removal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

on XXXX my credit union merged with Penfed ( up ) credit union. I noticed early on a disparity of services between my member flu and Pen Fed. 

During mid XXXX I noticed I was not sent a PenFed debit card and was told my existed debit card would expire a couple days after the merger in XX/XX/XXXX. 

I was assured numerous times during XXXX I would be receiving a pen fed debit card. 
It is XX/XX/XXXX and I still have not received their pen fed debit card STILL WAITING
Product: Debt collection

I started getting calls from XXXX XXXX XXXX at XXXX a month ago. They said I had an overdraft with US Bank sometime around 1995. I did not remember an overdraft so they told me to call US Bank. US Bank said they had no records left, had sold the account to XXXX XXXX, XXXX. I contacted XXXX XXXX. and told them how many phone messages and emails I had sent XXXX to verify debt and they said they would contact XXXX for me. Then a week later I get a call from someone who would n't give me their name saying I was going to receive a summons. I asked why and they told me to call XXXX XXXX. I called and they put the " guy in charge '' on the phone who told me that XXXX did n't have to return my call and since they were taking me to court and plan to win they did n't have to give me verification of debt. They also said I would go to jail for writing bad checks. I do not ever recall writing a bad check. Then the guy said I had one chance to accept a settlement and my answer would be recorded for court and jail. I said without verification I did n't feel comfortable settling for sending anyone money. He was rude and scary and said they will win in court and I was going to jail. I 'm frightened. All I wanted was paperwork confirming this debt.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX XXXX and the credit reporting agencies for inaccuracies and discrepancies on my credit report that violate the Fair Credit Reporting Act ( FCRA ). 

Issue : My credit report has been improperly updated to reflect multiple instances of the same XXXX XXXX account, resulting in the display of triplicate accounts. Although XXXX of these duplicate entries have been deleted, one remains, which continues to inaccurately affect my credit report. Additionally, the account in question has been removed and reinserted without any fair warning or a Method of Verification ( MOV ) as requested and as mandated by the FCRA. 

Details : Multiple Entries : Initially, the XXXX XXXX account was being reported XXXX times on my credit report, each as a separate account. This was a clear error and misrepresentation of my actual credit history. 

Identical Balances : All three entries had the same account balance, indicating they were duplicates. 

Remaining Discrepancy : Despite the removal of XXXX of the duplicate entries, XXXX erroneous entry remains. Given the initial discrepancies, all three entries should have been removed to ensure complete accuracy. 

Reinsertion Without Notification : The account in question has been removed and reinserted into my credit report without providing me any fair warning or Method of Verification as requested. This action is in direct violation of the FCRA requirements. 

Violation of FCRA : According to the FCRA, credit reporting agencies and furnishers of information are required to ensure that the information reported is accurate and complete. The persistence of XXXX duplicate account for the same debt, the inconsistencies in the reported information, and the reinsertions without proper notification are direct violations of these requirements.
Product: Credit reporting or other personal consumer reports

Someone for years has been utilizing my information attending to online schools that I have never been associated with.
Product: Mortgage

unable to reach Novad by telephone. kept on hold for over 1 hour and no response. 
I am sure the amount of reverse mtg loan is payed out. I have received to letter or response to email. Now I find HECMa is still sending me the same amount each mo. 
but it appears to be a loan that I do not want and can not afford. However, I have no way of stopping NOVAD. What can I do and how can I stop them from adding interest on what they are sending me/ I am a XXXX year old woman and I really need answers. I took the reverse mgt out on my own through XXXX XXXX in XXXX. 
I would appreciate any and all help. XXXX XXXX
Product: Credit card

I have sent this company 6 copies of letters which I will attach stating this was opened fraudulently and they give you an email to send a copy of a report and a signed statement from you to complain and make sure they realize this was opened fraudulently. The link for the email addresses do not work and I've tried relentlessly to send via fax ; email and regular mail. They claim they do not receive and that they will not take this credit card off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL OF MY STUDENT LOANS WERE PAID OFF BY XXXX. BUT THE LOANS STILL REMAIN ON BOTH OF MY CREDIT AGENCIES AS OPEN. PLUS THEY ARE SAYING THAT I OWE XXXX XXXX XXXX AND THE DEPARTMENT OF EDUCATION AND THEY ARE BOTH IN THE SAME.
Product: Credit reporting or other personal consumer reports

I asked Experian to have the company provide supporting documentation such as pictures and videos of the alleged damages from the XXXX XXXX that the landlord sold to a third party debt collector without my consent. 
Experian is not following the laws or rules and the law say what it say and mean what it mean it says incorrect information corrected or removed its not done yet and the inquires need to be removed from my file I never authorize any XXXX  to run my personal credit information to any third party. 

I also asked this company experian to remove the names and addresses from my file because it is not the spelling of my name and addresses is not mine.
Product: Debt collection

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

XXXX. XXXX Account Number : XXXX Bal : {$0.00} 2. XXXX Account Number : XXXX Bal : {$0.00}
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

On XX/XX/2016 TD Bank opened XXXX accounts under my name. I did not open these accounts. TD Bank does not seem to have a system in place to prevent this kind of fraud and to make matters worse, I found TD Bank Fraud Department to be uninterested in this situation. I have made numerous calls to TD Bank with no success in resolving this matter. I have also sent via Fed a Letter to TD Banks CEO, XXXX XXXX is to express my frustration for the lack of action, seemingly lack of interest and low level of cooperation from TD Bank to assist me as a victim of Identity Fraud. XXXX XXXX did not respond to my letter. 
XXXX : On Saturday, XXXX, I was checking my bank accounts that I had with XXXX and found that I had multiple withdrawals from XX/XX/XXXX through XX/XX/XXXX. Most of the withdrawals were transfers to a TD Bank Account and I do not have a TD Bank Account. I immediately called XXXX and reported the fraud on my accounts and filed a police report and placed an alert with the credit bureaus. XXXX immediately handled the fraud activity on my XXXX accounts, swiftly and professionally. 
On the same day ( XX/XX/XXXX ) I called TD Bank 's Fraud Department and reported the fraud. I was told to call back on Monday ( XX/XX/XXXX ) and speak to the XXXX XXXX XXXX. I did as instructed and spoke to XXXX XXXX XXXX XXXX ) ... XXXX XXXX took XXXX information and then informed me XXXX accounts were opened on line under my name and both accounts had balances that were sent from my XXXX Account to the fraudulent TD Bank account. XXXX XXXX said she would call me back with more information. When I did not hear back, I called again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX and left messages ( still no return call ). I then called and spoke to another Fraud Department Representative, XXXX XXXX ( XXXX ) who indicated he would look in to the issue but again no call back. I have since called several times to XXXX and spoke to different representatives and again no calls back. During this timeline I have received checks, debit cards and statements for these fraudulent accounts ( the checks and debit cards were destroyed ). 
I am still getting statements from TD Bank and as I stated above, my calls to TD Bank have been ignored. 
This has been a traumatic situation for me personally and I am very concerned that there are still XXXX accounts at TD Bank in my name that I did not open ( as I stated earlier I am still getting statements )
Product: Credit card or prepaid card

On XXXX, 2020 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are discrepancies on my personal credit report ( s ) that are in violation of my consumer rights. Please permanently delete and block the below accounts and inquiries from my XXXX, XXXX, and TRANSUNION credit report ( s ). These accounts are fraudulent and unverifiable. 

ACCOUNT : XXXX XXXX XXXX XXXX {$6700.00} INQUIRIES : XXXX XXXX XXXXXXXX XXXX  These accounts are unverifiable, fraudulent, and are in violation of my consumer rights. I am requesting to permanently remove these accounts and inquiries.