23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Wells Fargo continues to claim that they hold an existing mortgage on my property, I DENY THESE CLAIMS. Therer is no validity to the " so-called- NOTE they are trying to sell as legitimate./ Wells Fargo 's Mortgage Department states that these documents meets none of the requirements of a Mortgage note. Wells Fargo 's claims that they sent a copy of all of these documents of the guidelines of a Mortgage note is not true. The documents sents were not consistent, for example the claimed note is not legible and require a magnifying glass to read of which reveals inconsistent dates, claims, documents that belongs to other properties, incorrect address, cut and paste " LONE. '' signature. Failure to notarize or date, If this is the way that Wells Fargo admits doing business, then they need to be put out of business. This is Fraudulent monkey business. 
I requested the complete files, escrow, title, closing statements, truth in lending, Amortization schedule, RESPA, ETC, requirement, the complete package dating back to XX/XX/2006, without pause or or documents that can not be reasonably applied to any loan claim. Also under what guise or rules do they presume to claim a valid Loan date without a signature. I DENY A LOAN WITH WELLS FARGO, THE LOAN APPLICATION AND OTHER DOCUMENTS DISPLAYS MISSTATED INFORMATION AND BY THE WAY, I AM NOT XXXX AND A SENIOR CITIZEN BEYOND THE AGE NOT QUALIFIED FOR A LOAN. STOP THE BLEEDING.
Product: Debt collection

My son went to the emergency room at XXXXXXXX XXXX and incurred charges with a copay of 15 % of the reimbursement. As is the practoce for some reason in XXXX XXXX XXXX XXXX California hospitals and medical providers attempt to collect more than the coinsurance amount. In this case, the charges were {$10000.00} but the allowed in network charges produced an overall copay of less than {$700.00} divided between the hospital and the physician. Both of these were paid. Since then the physician has been trying to collect an additional {$30.00} and the hospital an additional {$250.00} on top of what my insurance paid and the {$700.00} I already paid.
Product: Credit card or prepaid card

XXXX  is a company that does payroll for another fraudulent company which is XXXX XXXX wisely charge me for a service they didnt provide they charged XXXX dollars against my card to have express shipment they I didnt get holding my money and the card leaving without access to my funds meanwhile this card comes through a job I no longer work for that doesnt report proper info to Maryland Labor or IRS on there workers they make you work for nothing or less then what was offered in signing up for the job this company has XXXX  XXXX  on the job XXXX  XXXX  XXXX  on the floors from XXXX that runs the store knows but removes all that he can steal from XXXX of Human Resources have you work off the clock stating she will put hours in that doesnt get put into the system while working they remove good workers and keep those they can manipulate this company owes me XXXX that they have not paid not trying to pay from fraud to XXXX  to ripping off customers this company along with card services needs to be shut down I will make this noted to the world do all in my power to take both XXXX  XXXX  XXXX XXXX  accountable for the fraud thats being provided something needs to be done about the XXXX XXXX XXXX XXXX, XXXX XXXX MD XXXX location and the financial company which is XXXX  they use both is committing fraud and stealing from the users of there employment and services!!!!!!!!!!!!! reporting them to all putting up fillers to get them exposed!
Product: Mortgage

VETERANS UNITED HAVE SCAMMED ME!!

I am a veteran and I requested a payoff quote for XX/XX/XXXX and received XXXX for {$6200.00}. I was travelling with the military and could not send a check so I authorized a payment online for regular payment {$1500.00} plus principle only payment of {$4300.00} and the online system took my money which meant I was only approximately {$250.00} short of paying off my mortgage. XXXX days after I had made this payment I attempted to confirm the payment had gone through but the mortgage company had a cyber attack and their system was down for a week. When it came up they had applied the principle only money as 3 monthly payments and charged me interest on those payments and are holding onto the other funds as unapplied funds in the amount of {$1200.00}. They are further telling me that my next mortgage payment is due in XX/XX/XXXX. I told them I had paid everything off except {$250.00} and I needed another payoff quote to get this taken care of. They told me they could not fix my account and provided me another payoff quote for {$1600.00}. Please help because this is wrong what they are doing.
Product: Credit reporting or other personal consumer reports

I have identified inquiries, collections, and accounts on my consumer report that has been furnished without my written consent, instructions, or permissible purpose which is considered identity theft. Please see attachments for police report case number, ID for identification verification, and copy of credit card bank statement for additional identification verification. There is XXXX ID Theft reports listed due to not having enough space.
Product: Credit card or prepaid card

XX/XX/2021 This is a continuation from a complaint submitted on XX/XX/2021, number XXXX and the Chase response on XX/XX/2021. 

Let me start by saying this partial settlement leaves me confused as to why the final resolution to this problem, a XXXX  balance, was not granted. 

During my time using your Chase credit card I have over {$35000.00} in purchases with XXXX fees. The only fees attached to this card came while questioning ( disputing ) the charge of {$89.00}. While you now have canceled this charge you refuse to cancel the late fees associated with this {$89.00} during this investigative period. I believe this is wrong. It is my wish that you therefore again review this case and come to the conclusion a XXXX balance is appropriate. 

I would like to add the feedback comments provided on XX/XX/2021 to CFPB as part of this complaint. 

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

i do not recognize those iquiries in my credit reports. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I'm not having trouble making my loan payment but was forced to pick a description. 
Actual problem is that 5/3 Bank is harassing me at work to make a loan payment that is not even late. I was called onXX/XX/XXXX at work ( on the business line, not my cell ) to be told that I owe over a XXXX dollars on my auto loan. After pressing her for better details I found out that I actual owe XXXX by the XXXX of XXXX. I wasn't even late, the XXXX was including next months payment. When I said I would pay on the XXXX she insisted that I tell her how much I was going to pay. I try to pay extra but there at work I had no idea how much extra I would pay. She said because I wouldn't comment to an amount that they would continue to call my work every other day until the payment was made. I am not late paying my bills, I usually pay extra before the due date. This was nothing but harassment.
Product: Payday loan, title loan, or personal loan

I need money urgently and applied online in XXXX, I was approved and they would deposit the money in my account but it would be available in 3 days approximately, I mention that it was urgent as I need to pay a vet bill for a XXXX, they said than then I can go directly to the store so they can issue a check. I was approved for {$8600.00} but then I was unable to deposit in my account by mobile device, I called bank Wells Fargo and they said that I can deposit the check in a ATM and {$400.00} would be available the same day and the rest the next day ... then the next day they put All my loan in hold, called the bank again and they said that it was an XXXX issue, I called XXXX and they said the check was ok and nothing was wrong. I called the bank again and they said that the bank doesn't have the enough money to put the money in my account and they need to verify the reserves? And that the money would be available until XX/XX/XXXX! I need that money urgently..I ask for a loan since they doesn't want to give me my money and they said they don't do that. So I told them that the bank is useless... plese help me... I don't know what to do
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, This complaint is regarding Santander Consumer USA and their Class Action Settlement for Predatory Lending with Multiple States last year in XXXX. Within this settlement, it states that Santander agreed to relieve loans and help repair the credit of individuals affected by their predatory lending practices. This was for auto loans placed between XX/XX/XXXX through XX/XX/XXXX. 

This auto loan has caused significant damage to my life, living situation and being able to take care of my children. Although I've received communication from Santander that I am included in the settlement, Santander continues to report harmful inaccuracies to my XXXX and XXXX credit reports. Santander still calls to collect on the debt that they report as charged off and late every month. 

Santander took advantage of my desperation and ignored the debt to income ratio locking me in an upside down loan from the start. I'm suspicious that the dealer may have potentially manipulated my application unknown to me. Putting me in this horrible situation. Now this has been 4 years of not being able to get credit, a home or progress so my children can have a better life. I am in college and working towards a better life and this is severly affecting my small family. 

XXXX and XXXX are both reporting completey different things for the Santander USA account. It's harmful and defamatory to my credit profile. I have reached out to Santander several times with no resolution from them. They report different names for original creditor, dates and most of the information. They report that the account is charged off and report late payments every month. Life is HARD when you can't get basic credit. 

The only fair resolution is for Santander do what they agreed which is to relive the loan and the Santander USA account be deleted from all the credit agencies and bureaus. I also ask that all collection efforts cease and this account not be sold or transferred to any other collection agencies or debt buyers. 

Thank you in advance for your timely assistance in this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act convergent 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 SECTION 2 it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

My mortgage through Specialized Loan Servicing has a PMI requirement until you hit 20 % equity in the property. This is normal for a mortgage company to require PMI up until 80 %. However, once that happened, I tried to get the PMI removed. I had a number of difficulties in this process and was ultimately told that it couldn't happen unless I was willing to pay a fee. This did not strike me as fair. In XXXX of 2023 when I had surpassed 20 % equity, I called the company to learn the process and was told by a representative that he could take care of it. I had previously received mail letting me know that I would need to submit a written request so I asked the rep about it and he said it was no problem and he could take care of it. However, by XXXX I was still being charged PMI. So, I called again to figure out if just writing a note and mailing it to the company ( which were their only instructions - I couldn't call or email, which is very frustrating ) would be sufficient as a " written request ''. I was then informed that I had to print off a specific form, sign it, and mail it in and then I would have to pay a variable fee ( depending on what Specialized Loan Servicing found for a professional in the area ) to have the property value assessed and they would consider removing the PMI. This struck me as a burdensome and unnecessary evaluation, since I have property value assessment information for free from the city. I then asked if I could just pay additional principal to get to the 78 % of " Original Value '' and was told that Specialized Loan Servicing will ONLY use the original amortization schedule in calculating that value. WHY? It seems to me that Specialized Loan Servicing is unnecessarily making the process difficult so they can make more money even though the true equity that I have in the property was way above 20 % more than a year ago! This is not a fair situation. I submitted a complaint via the CFPB website and the response of Specialized Loan Servicing was to just reiterate their policies and then the complaint was closed. They provided no additional solutions and were not helpful. I submitted a second complaint and received the same type of message from Specialized Loan Servicing which, again, did not offer a solution and was not even an attempt to solve the problem. The complaint was closed. Is there someone who could investigate Specialized Loan Servicing 's policies?
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has a duty to securely manage, protect, and maintain my personal information and the personal information of millions of other consumers. Equifax failed in its duty to protect my information and subsequently failed to publicly disclose its data breach in a timely manner to enable the general public to take additional precautions to protect their financial profile. Transparency and trust are required and Equifax is no longer a trustworthy business.
Product: Debt collection

I never received notification of this debt. I also never received notification of my right to dispute this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/22 for the amount of {$380.00} CREDENCE RESOURCE MANAGEMENT has unlawfully purchased a debt from XXXX XXXX XXXX XXXX, and they have reported this to XXXX without my consent. Violating 15 USC 1681 ( a ) ( 2 ) ( 4 ). ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have never been contacted by CREDENCE RESOURCE MANAGEMENT nor have I ever had a contract with them. My personal information has been shared among these companies without my consent.15 USC 1681a ( 2 ) ( i ) ( ii ) ( iii ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated to direct that such information not be communicated among such persons. there has been time i have signed any paperwork with such company. 15 USC 1681e ( b ) ( d ) ( 1 ) ( A ) ( d ) Notice to users and furnishers of information ( 1 ) Notice requirement A consumer reporting agency shall provide to any person ( A ) who regularly and in the ordinary course of business furnishes information to the agency with respect to any consumer. Per 15 USC 6802-6805 I the consumer have the right to Opt out of any and all reporting of my information.
Product: Credit reporting or other personal consumer reports

Trans Union hold times are over an hour. The website is junk, I can not get a report, start a dispute or even unfreeze my credit. NOTHING WORKS! Then you can NEVER reach a person.
Product: Credit reporting or other personal consumer reports

This is in violation of my rights reporting these accounts on my credit. I have a right to my privacy. 15 U.S.C. Code 1681 ( a ) ( 4 ). There is no need to ensure the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. There has been lack of supporting evidence. I have not received any credible documentary evidence proving the information is valid. Compliance with FCRA mandates necessitates the prompt removal of unverified information. The XXXX  on my credit report are inaccurate. Also, I contacted the XXXX  XXXX, and they said they did not report this XXXX  to credit reporting agencies, Pacer did. Pacer wrote and said they did not report this XXXX. This is violating my rights, and I believe this disclosure to be in violation of the Gramm-Leach-Bliley Act ( 15 USC 6803 ).

According to the Gramm-Leach-Bliley Act, financial institutions are required to provide individuals with disclosures and an opportunity to opt out before reporting any non-public information. It has come to my attention that this has been reported without adhering to these legal requirements. 
Therefore, I am formally revoking any and all consent, whether express or implied, to report my non-public personal information. I kindly request that these accounts be deleted from my consumer report.
Product: Checking or savings account

my account was hit by a skimmer and an illegal XXXX $ stolen from my acount this money was set aside for home inspection due to us buying a house td bank was contacted via local branch and started the process of getting my money back card was canceled and new one issued my account was expedited but noting has happend i still dont have my money and now no t able to pay my inspector they are dragging their feet on this the criminal who did this tried to hit my account the same day on 3 other occasions that morning but thank XXXX visa caught it
Product: Debt collection

I reviewed my credit and there is a collection from Uplift Inc for {$280.00}. I had an account with Uplift that was resolved back on XXXX XXXX. I used Uplift in XX/XX/XXXX to finance a cruise for my honeymoon and unfortunately my fianc passed away on XX/XX/XXXX. I contacted them immediately and was advised the steps to take to file an insurance claim so that the cruise line could reimburse them and the account could be closed. I did exactly as directed and was told my account would be put in suspension mode until the death certificate processed. I received an email on XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX stating they received payment from the cruise line. This is the last correspondence I received from them on this account. I was never notified of an outstanding balance and I never received any correspondence from XXXX XXXX XXXX XXXX which is who I was recently told that the account had been turned over to. I have attempted to contact XXXX about this account but only get a recording that no one is available. I have done everything on my part that was required of me to resolve this account after filing the insurance and I do not agree that this debt is mine in anyway.
Product: Debt collection

XXXX is not validating specific information submitted by Midland Credit in my dispute with them. Midland keeps refreshing " payment received dates '' the debt is XXXX, or more years old.They allow Midland to reply to disputes with the same language, rather than verifying any of the payment dates they claim to have received.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been stolen. Among opening credit cards, applying for loans, and much more, the thief has created an online account with Experian. The thief used my personal information ( name, DOB, SNN, etc ) but their login information ( username, email address, security questions ). This has made it extremely difficult to get my credit report from Experian. 

I called Experian on XX/XX/2018 to explain the issue with the fraudulent account. I requested that the fraudulent account be closed immediately. I also requested that I open a new account with my information, thus prohibiting future fraudulent accounts. I also purchased the premium membership for this new account. I asked the representative multiple times to confirm that she was not merging the fraudulent account with my email address, and instead closing the fraudulent account and opening a completely new one. 

After getting off the phone with the representative I received emails from Experian regarding my online account / membership. Instead of receiving new account information ( like how to set up my password ) I received account update information. The fraudulent account was not closed. The fraudulent account was updated for my email address. I am unable to get into this account because I do not have the login information and do not know the answers to the security questions. I called Experian back immediately and the representative said that the changes would not be in affect for 24 hours. It has now been 48 hours and I am still locked out of this fraudulent account and still have not received information on setting up my new account. The thief is still able to access the fraudulent account and is now able to see my paid membership information and email address.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items or information which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX Balance {$490.00} XXXX XXXX XXXX XXXX : {$2600.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$11000.00} XXXX XXXX XXXXXXXX Balance {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the credit reporting agency to remove the inaccurate and outdated personal information in my credit file related to the addresses listed. I informed them that these are non-mailable addresses and should be removed immediately. They failed to comply in removing these items. The following addresses need to be removed immediately. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX