23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

A company named MaxLend I believe is a fraud company that illegally and fraudulently attempted to process a loan with my name, birth-date, email address, social security number, and fake address on XX/XX/year>. The application information was clearly fraudulent because the street and address was not associated with the city and state the application contained. The company attempted to complete a loan application without my signature or my permission. The fact that the phone number, address, and city were not real should have been an immediate red flag and that it was fraudulent. Yet MaxLend continued to process the application and attempted to extort me. As soon as I became aware of the fraud ( On XX/XX/year> via an email ) I left phone messages and emails and the company did not respond to me. After some time I sent an email to their fraud department and verified my personal information with them. The Company responded to me and wants more personal information I am uncomfortable providing them like an affidavit, a copy of my identification, and a police report. They have refused to work with me and stop the fraudulent application process. I have requested that they remove the fraudulent credit inquiry from my social security number and they have not done it. It is my opinion this company is fraudulently attempting to use my personal information and to get a fake loan in my name. MaxLend XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX ... XX/XX/XXXX ... I paid several debts that I had including this one Im referring to now ... because from all the others theyve corrected my credit report as paid ... now this was not only do they show that I have not paid they after years of not reporting ( since XX/XX/XXXX ) they have started reporting XXXX & XX/XX/XXXX as FAILED TO PAY ... I have called Experian and them XXXX XXXX several times and thru Experian I have filed 3 Disputes with copy of the letter that I payed ... I PAYED .... they claim that I didnt pay to them ... I paid the company they sold the claim to ... its not my fault that they sold the debt and I came back and paid it ... they have no rights to claim a debt they sold and I paid ... nor do they have the right to tstart reporting after not reporting since XX/XX/XXXX and start reporting what is not true in XXXX and XXXX FAILED TO PAY ... MY SCORE HAD GONE UP SINCE XX/XX/XXXX WHEN I PAID ALL THAT I OWED AND BECAUSE OF THEM START REPORTING AND SHOW ME AS NEGATIVE INSTEAD OF PAID ... THIS IS FRAUD!!!
Product: Debt collection

I have disputed this debt numerous times. I sent Conserve a validation letter and never received any of the information I asked for in the letter to validate the debt. Also, while the debt is in dispute Conserve has broken the law. Disputed information is not to be reported while in dispute on credit report and this collection agency has put negative information on my credit report with out validation nor have they responded to my request of validation. I sent this letter to Conserve : I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

No one should have to be subject to this humiliation especially when it is a unknown account and possible identity theft.
Product: Debt collection

My mortgage was sold to this company Selene Finance from XXXX XXXX on XX/XX/2018. I sent my XXXX mortgage payment to Selene Finance on XX/XX/2018 via check. I called Selene Finance on XX/XX/XXXX to see if they received my check payment. I couldn't get online their website because it didn't recognize my account. Customer service rep told me to call back on XX/XX/XXXX. I asked her what is going to happen with my check payment until that time she said it will get applied to my account. So I called back XX/XX/XXXX and spoke to customer service rep named XXXX which was very rude to me when I asked him if they received my check yet. He said no they didnt. I then told him i will make my payment directly with my bank via electronically which I did. On XX/XX/XXXX i tried to go on selene finance website to see if my payment posted, but now Selene has kicked me off of site. I tried to log in and request a code so I can sign into website but I never get a code from them via email. So now I have no idea how to contact this company to see if my payment was received. How can this company do this.? Every time you call them you are on hold for a very long time over 45 mins. I have read a lot of complaints about this company saying they never got your payment and then add late charges to account. They do whatever it takes just so consumers can not contact them whether website portal or phone. I just want to know if they received my payment. So i dont get any late charges thats all.
Product: Mortgage

I applied for a refinance of my existing mortgage in early XXXX, 2016, and over the course of the following 4 weeks I provided a substantial financial information to the Wells Fargo officials handling the application. The refi loan rate was locked and at no time did any Wells Farho official advise that there was a limit to the loan lock. 

Requests for data from my accountants & bank were submitted on a timely basis on a number of occasions.. I was asked to provide payment for a credit report & an appraisal which I agreed to but requested the official to advise that the refi was likely to be approved prior to spending {$450.00} on an appraisal. This request was not forthcoming so I delayed the appraisal aapproximatly 2 weeks pending tentative approval. I provided all data as requested & " XXXX mid XXXX I sent several emails requesting a reason as to why the approval was taking so long. Normally a refi is handled by mortgage companies and bank within a 6 to 8 week period. I finally closed the agreement on XXXX XXXX after several weeks delay as Wells Fatgo official claimed they had not received any documents from my title company. In fact the title company in XXXX XXXX, NM sent documents no less than 3 occasions. 

When I checked the closing statement on line I discovered a penalty of {$2800.00} for breaching the loan lock period. In the interim period I switched form a 15 year fixed loan to a 30 year loan with a 7 year ARM. On receipt of the new offer I inrejected the interest rate offered of 3.125 % and finally agreed 3 %. My argument was I had changed tack and this was a new loan negotiation. Wells Fargo rejected this and I spoke with a manager who agreed that I had a case and offered a discount on the fees. On receiving the Closong Statement from my Title Company I observed a credit of approx 15 % which was a lot less than I had come to expect. I again contacted the official handling the loan and was advised the Mamager would call me on Monday XXXX XXXX. Thus did not transpire and when I complained I was told either sign the new loan agreement or withdraw. Well at the XXXX hour and after 4 months negotiations at considersble expense I capitulated as I did not want to replicate the exercise with another bank. I also noticed in the closing documents ( XXXX pages ) that my income was greatly understated, which led me to assume that was the reason for the continuous delays in finalizing the new loan as each time I asked I was told underwriters were still reviewing my status. I was paying {$2700.00} per month on my existing mortgage and asked how could I possibly pay this monthly sum plus my car loan, medical insurance plus living expenses on such low income. I received no response from Wells Fargo even though the new payment was reduced to {$1200.00} per month! 

I was treated contemptuously by the officials and would suggest this type of practice is not what the general public should expecfrom one of the Nations largest mortgage providers. I fell I should be refunded the fees that were overcharged.
Product: Checking or savings account

On Monday, XX/XX/XXXX, I received a scam phone call with Bank of America as the caller name and the woman stated that I had a charge at XXXX for {$250.00} and then a another charge yesterday at XXXX for {$800.00}. The first red flag was that I dont have a Bank of America account and also that the charges were for even numbers with no type of cents. As soon as I stated, I did not have a Bank of America account she hung up the phone. I did try calling back the number and it did take me back to Bank of America, but was unable to get through to anybody because I needed to have a checking or savings account or give my Social Security number which I was not going to do. My phone number is XXXX, please call me with any questions. Thank you, and have a great day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is continually reporting inaccurate and dishonest account information for several accounts and the claiming to have verified the information. They have incorrectly reported address and accounts that are not mine and after I dispute according to the Fair Credit Reporting Act, they still say they the information has been verified but how? For instance a bankruptcy that was discharged in 2016 is reporting incorrect but they claim to have verified from the source. That is a lie the court does not verify any consumer information with the credit bureaus. They have been provided with that statement over a year ago to no avail. XXXX  removed this bankruptcy from my report a year ago with the same information sent to Experian and it still remains. They are reporting cars that arent mine saying verified and it is ruining my credit rating and ability to qualify for an affordable mortgage for me and my children. Im exhausted with going back and forth with Experian. One day they remove the inaccuracies the next week they put it back again NEVER provided the actual proof that it has been verified after over a dozen request to furnish that information by law. I want all the accounts Ive again disputed REMOVED and not put back without verification proof of ownership a copy of my signature contracts signed or other proof. They can not continue to ruin lives reporting inaccurate information. I have been a victim of identity theft Ive taken all the necessary precautions froze credit added fraud alerts for years as well as sent copies of bank statements and social security card as proof of identity to no avail. Also I cant access my free Experian monitoring account because they are charging {$15.00} just for me to review my credit. Im so disgusted with Experian charging you to access your credit when it should be free. So now I cant log in to see more inaccurate information unless I pay. SMH
Product: Vehicle loan or lease

I paid off a leased vehicle with Toyota Financial over 1 year ago. The tags on the vehicle expired in XX/XX/XXXX. I never received a title. I contacted Toyota Financial in XX/XX/XXXX to request a new title and was told that they had to request a replacement title from the Virginia DMV, and could take up to 60 days. 60 days passed of driving on expired tags and we still have not received a title. My husband called Toyota Financial and explained that we had not received the title. They stated they could overnight a lien release letter and we could take to the DMV to get the title printed. Upon taking that letter to the local DMV, my husband was given a replacement title for someone from Toyota Financial to complete. I called and was given a fax number to send the form to and it would be3 completed within a " few days ''. I told them that this was unacceptable and I needed a email address of who to send the form to be completed. He drove 30 minutes away to the DMV and I had to wait on and off hold with several employees and still was not given contact information to the person completing the form because that person " works in administration and does not talk to customers '' I requested and still would talk to someone in administration at Toyota Financial. It is XXXX, and I still do not have a title from a vehicle I paid off in XX/XX/XXXX. I need my title or I need my {$26000.00} refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently going through a divore and I was no longer living at the address that was on file for the utility company. There was an outstanding balance of {$100.00} that went into collections and I had know knowledge of this until it hit my credit report. I contacted the collection agency and quickly paid the debt. I was hoping that the derogatory mark can be removed from my report. The agency that handled the collection was Helvey Associates on  XX/XX/2019.
Product: Student loan

Hello my name is XXXX XXXX XXXX. Formerly, XXXX XXXX. I have a private loan with Navient set to auto deduct from my XXXX account. I have attempted for over 20 days now to log into my account, to no avail. I just spent over XXXX hours on the phone with Navient on hold, having to repeat my new email address XXXX XXXX  times to customer service agent XXXX, and then to speak with his supervisor XXXX with whom I had to repeat my email address to XXXX. They say that they have an address for me that I can not verify? They also report that they don't have an email address on file for me either. I can not log in to change my banking information and they are trying to autodeduct my payment causing unnecessary overdrafts but will not allow me to login to my account and change my banking information. I type in my social security number, and my dob and they can not verify it. They need to STOP auto debiting my account immediately.
Product: Mortgage

Loan process, and approved in XX/XX/year>, along the way there were some additional documents needed, my daughter provided, appraisal paid for, and completed along the way. Loan officer XXXX XXXX advised myself not to pay any of my bills, mortgage, credit cards because it would all be paid off at closing, XXXX came loan still not completed so I paid my credit cards, and I asked XXXX if he was going to move forward because I can go elsewhere, he stated he would get it done its just taking longer than it should due to additional info needed. XX/XX/XXXX, he emailed my daughter to inform me to pay my mortgage, I paid mortgage and because of the holiday ( XXXX XXXX ), my mortgage posted late, XX/XX/XXXX, and because of that per XXXX XXXX I no longer qualify for the loan. XXXX XXXX never contacted me to inform me to pay mortgage, instead he emailed my daughter who does not check her emails often. I am now out of appraisal money, and months of waiting to have this loan processed when I coulda moved forward with another company, instead XXXX informed me it would happen, and because of him not communicating directly to me about paying my mortgage when he advised me not to I no longer qualify because my mortgage posted late due to him not making me aware to pay it XXXX XXXX XXXX
Product: Credit card or prepaid card

Amex has slapped a charge of {$970.00} on my XX/XX/2020 bill, the charge is dated XX/XX/2020. This is for an order with merchant XXXX XXXX, for which was cancelled XX/XX/XXXX, and XXXX XXXX issued credits amounting to the total of {$970.00}. Therefor rendering this charge cancelled out. A rep by the name of XXXX with Amex, claimed it was what I had to pay for the dispute. Yet the merchant paid back the funds, to which should have closed out any dispute. Thus, making her statement senseless. I have included documents verifying my {$970.00} bill payment made in full to Amex from my banking institution, on XX/XX/2020, for my re-purchase of the washing machine appliance from vendor XXXX XXXX. That proves I should not be having to pay a second charge of {$970.00}, it is baseless and fraudulent. XXXX XXXX has also supplied documentation showing proof of transactions dates/receipt # 's, to demonstrate the honest truth that they issued credits back in the first week of XX/XX/2020, in the total of {$970.00}, for the XX/XX/XXXX cancelled order that never took place due to pandemic lock down. They also supply reciept # of my rightful payment made for the machine, that they received in my Amex bill for XX/XX/XXXX, processed XX/XX/2020 in the amount of {$970.00}. XXXX statement on Amex website is currently unavailable but again, XXXX XXXX is providing trans # 's proving credits issued and accepted to my Amex account. After all the deceitful practises, letter of lies, fraudulent misconduct and criminal activity that is baseless and completely unfounded, this card will now lay dormant and unused as Amex has caused me such extreme XXXX and XXXX XXXX that far reaches beyond any normal depths of human decency and healthy, trustworthy business relationship. I know this bogus " charge '' was thrown at me in retaliation for my filing of complaints calling for accountability. The work-from-home era of unmonitored reps., has resulted in outlandish and inappropriate behavior and illegal activity designed to victimize us as card holder. I earned a near perfect and impeccable credit history and do not have to succumb nor endure Amex abuse!! XXXX whom I spoke to on Monday XX/XX/2020, claimed the {$970.00} charge had to be legit yet could only provide a flimsy half -reply that it's my dispute charge?!? Yet she insisted its a legit charge. Strange when I told her to look at beginning XXXX to see the merchant credits for that amount and cancelled order, she oddly, " couldn't see them ''. Furthermore so convenient that my XXXX Amex statement that should show proof of my {$970.00} paid in full XX/XX/2020, is NOT a statement but a ridiculous letter stating changes to my account!! XXXX went silent and then eventually disconnected from the line. Crooks!!!!
Product: Credit reporting 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 that 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 ( learned through more research both parties require ). Please remove these files. 
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 XXXXXX/XX/year>
Product: Debt collection

I paid Caine and Weiner for this debt, and at the time I was assured it would be deleted from my credit report. That was six months ago! I wrote Caine Weiner a letter last month demanding the removal of the account, they have not responded, and the account is still being reported. PLEASE HELP ME!
Product: Credit reporting or other personal consumer reports

The accounts listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. 
XXXX XXXX CREDITACPT XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting 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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 

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

The accounts were never a past due, I never made a single late payment to these companies ever, please change this..I have a good relationship with the companies ... 
XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My mother saw a missed call and called Bay Area Credit to see who called. She spoke to a XXXX XXXX XXXX. She did disclose that she was in fact not me but instead stated her name. He then attempted to set up payment terms with her seeing if she would pay my debt. I have never once given authorization to speak to a third party. My mother is not the executor of my estate. He tried to not only collect from my mother but to get her to agree that I would pay to the amount. He disclosed the amount that I owe and for what. He disclosed what I owe the money for and the payment terms. He then harassed my mother to make a payment before getting him off the phone. He told her that she needed to make a payment and that he would be in his office until XXXX.