23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

wells fargo bank / wachovia bank stole my home to fraudulent forclosure in XXXX county court XXXX florida to crooked judge whom did not look at proof of paymants wells Fargo bank /mortgages lied through there teeth the acount was in credit of over a XXXX dollars all payments were internatinal wire transactions from bank in uk to wells fargo and where all cashed, i have made over 50 case complaints to cfpb and you have done nothing for me, wells fargo valued my home at XXXX XXXX XXXX XXXX florida XXXX value {$560000.00} home mortgage {$250000.00} the equity i had in my home at the time of fraudulent forclosure was {$310000.00} the bank sold the property on the court steps to a 3rd party then sold it again within 7 days for XXXX then XXXX then made it look like the person who lives in the house now had bought the house from me thats fraud?. devastated me and my family this house was my penshion retiremant money stolen if a bank robber stole {$560000.00} dollars how many years would he get in prison wells fargo get fined? Now a supreme court judge in california has made wells fargo compensate 817 people families that they have stolen there homes to computer error?
Product: Debt collection

I was told by Account Control Technology, that they were contracted by XXXX XXXX XXXX to collect delinquent student loans. I was to pay XXXX for seven years and after that the rest of my student loan would be forgiven. They called it the forgiveness program. I 'm a XXXX Veteran and my wife and were trying to purchase a home, to discover the negative student loan on my credit report. I called the FSA they told me no money had been paid on my loan EVER! I 'm XXXX years old and I ca n't start over again. These people have robbed me of XXXX dollars that they deducted out of my account ( ACH ). Now I have no way of getting my money back, I ca n't afford an attorney and my wife and I may have to move because we are occupying the house we wished to purchase. The owners are wanting to sell ASAP. I 'm at a loss. Can you help me?
Product: Debt collection

On XXXX I sent in my letter stating that I don't owe this alleged debt and asked for verification for the alleged debt your company has violated my rights. 
1.Under 15 USC Section 609 ( a ) ( 1 ) ( A ) You are required to provide me a contract with my wet signature on it. You haven't provided me with anything.

2.Under 15 USC 1692g ( a ) You were to notify me in 5 days after intial communication. You have violated that right. You haven't responded to anything.

3.Under 15 USC 1692e You have created a False impression of the legal status of my alleged debt even if it was my debt it is uncollectible by law.
I further remind you that wengner vs. transunion corp., no. 95-6445 ( C.d.c.nXXXX XXXX XXXX ) you may be liable for your willful noncompliance. Failure to delete these accounts may result in legal actions being taken in small claims court against your company seeking {$1000.00} per violation : 1. Defamation 2.Negligent Enablement of Identity Fraud Per FCA 3.FDCPA 15 USC 1692g violations 4.FCRA 15 USC 1681 violations for willful noncompliance A copy of this will be CC 'D to FTC XXXX MY ATTORNEY GENERAL
Product: Credit card

When card was opened XXXX the interest rate was XXXX. 

According to there agreement, I quote " Changes in Agreement Terms. We can change any term of this agreement, including the rate at which or manner in which " Interest Charges, '' Fees and Other Charges are calculated, in our sole discretion, UPON SUCH NOTICE TO YOU AS REQUIRED BY LAW. '' At our Option, any change will apply both to you new activity and to your outstanding balance when the change is effective as permitted by law. 

I was not given proper notification of interest rate increase, let alone 4 increases in 6 months.

Under the Credit Card Accountability, Responsibility and Disclosure ( CARD ) Act of XXXX, credit-card issuers must inform you 45 days prior to any increase in your interest rate and fees, or certain other changes in terms and conditions. 

XX/XX/XXXX - 29.99 % XX/XX/XXXX 30.24 % XX/XX/XXXX 30.24 % XX/XX/XXXX 30.74 % XX/XX/XXXX 31.49 % XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action.

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time.

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report.

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Please remove it from my credit report.

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. XXXX XXXX CODE XXXX - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Delete this account. 

7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

8. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX  Account Number : XXXX Delete this account.
Product: Mortgage

I tried to make a payment on-line and got an error message. I called and was on hold for over 16 minutes. When the representative answered, she refused to assist me stating that I was not an authorized third party on the account. I explained that I was authorized as I was on the Deed, techinally and legally, that makes me authorized. She then proceeded to put me on hold again, and transferred me to another representative who could not help me the issue of making a payment and again stated that I was not authorized on the account. I am and you are in the wrong by refusing to note the account as such. I asked to speak to your legal department and was not allowed so I then stated that I would be filing a complaint and your representative did not care. She said she had done her job. I beg to differ. I suggest you check your answers and legality of them and authorize me o the account. Your previous representative did after I say on hold for twenty minutes, is this what I should expect each time I call in?
Product: Credit reporting or other personal consumer reports

I'm a victim of identity theft. I recently learned that my nonpublic personal private information is being shared and furnished with different company 's and financial insinuation without my written consent. I have not authorized any of these accounts to be shared in writing, oral nor electronic. These accounts were furnished and shared to XXXX, XXXX and TransUnion by way of Financial Insinuations without full discloser and without my written consent, unknowingly and unwilfully and against my knowledge and therefore request this account to removed immediately. In accordingly in pursuance of 15 USC 1681 Permissible Purpose of Consumer and 15 USC 6801 Protection of Nonpublic personal Information. This is identity theft. Pursuance FCRA 603 ( p ) Financial Institution must notify consumer in written if they may furnish negative information to CRA. Section 239 ( a ) ( 7 ) CFPB 12 CFR Part 1022. I XXXX XXXX XXXX have not given written consent to any Financial Institution to Report to CRA. Accounts listed below. 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 XXXX XXXX XXXX Violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I refinanced my car loan with XXXX. Previously I had a couple personal loans with them as well, they were fine, no problems. This loan 's not being properly reported to credit bureaus. They report it only to XXXX. Not Trans Union, not XXXX have any information about this loan, which is hurting my credit score. I tried to contact XXXX XXXX 's customer service by the phone and via mail. In the past 6 months I've made about 4-5 phone calls. The last one was about a month ago. Every time they say, that they'll look into it. I also mailed a letter about a couple months ago to the address on the back of the statement ( the one they say to use, if credit reporting is incorrect ). A couple weeks ago they sent me an email asking to write a review on their website, which I did. I gave them 2 stars out of 5 and explained the situation. Thought it might attract their attention. All they did is blocked my review and sent me another email, saying that the review did not meet they guidelines.
Product: Mortgage

I have been a customer with Provident Funding for over 10 years and subscribe to autopay. I have never missed a payment. In XXXX, I tried to refinance my loan to save money and while the tentative refinance was authorized through the same mortgage lender, I decided not to incorporate the additional fees for closing. Instead I decided to add an additional {$500.00} for principal on the autopayment. Unfortunately Provident did not accept the auto payment as instructed and instead had reverted back to an older bank account which had not been used in 3 years. I just received notification via a spam blocked voicemail stating to contact them. Once I realized the payment didn't go through, I made the payment manually again and contacted them twice to remove the late fees. They refused to remove all late fees and other associated fees to the account stating that I was late in my payment and took no responsibility for making any changes or having XXXX glitches to their system. They encouraged me to file this complaint stating they have enough proof to show that I put the incorrect information back in the system -- -even though there is no possiblity of me doing so. The manager was XXXX while the other clerks were XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

This evening, I discovered inaccurate accounts on my credit report, and I have no idea why they're there. When I checked my report as I typically do, these discrepancies suddenly appeared. I attempted to refresh my browser, thinking it might be a glitch, but the inaccuracies remained. Therefore, I am requesting a thorough review of the documents I've sent to prevent future worries.
Product: Mortgage

We original filed for Chapter XXXX Bankruptcy on XX/XX/XXXX and part of the plan included Avoidance of the Junior Trust Deed. We successfully completed the Plan and on XX/XX/XXXX per the United States Bankruptcy Court XXXX  District of California we received our Discharge. 

Our Junior Mortgage had been sold to various companies ( they are all listed on the Notice Recipients attached to our Discharge ( XXXX, XXXX XXXX, and XXXX XXXX XXXX ) After we received our discharge we attempted to refinance but were notified that there was still a lien on our property. On XX/XX/XXXX I contacted XXXX XXXX  asking them about the Lien Release and sent them a hard copy of the information. 

In order to get refinanced I ended up having to go to the XXXX XXXX County Recorders Office and record our Discharge of Debtor After Completion of Chapter XXXX Plan as well as the Order on Debtors Motion to Value Collateral and Avoidance of Junior Trust Deed so that the lender could see that the Lien was released. 

I though the situation was resolved until we wanted to refinance our loan. We were notified that the lien was still attached. I went to the recorders office and found that the lien was not released. What I did find was that the lien which was released on XX/XX/XXXX had been sold to other companies. Most recently ( XX/XX/XXXX ) to Wilmington Savings Fund Society , FSB not in its individual capacity but soley as Trustee of XXXX XXXX XXXX a fact that I was never notified about. 

At the point my refinance is stalled. So on XX/XX/XXXX I wrote them along with the Title Companies listed on the Substitution of Trustee and Full Reconveyance, Aknowledgment, and Assignment of Deed of Trust. 
The list of companies notified are : XXXX XXXX, XXXX XXXX XXXX XXXX, and Title XXXX Per USPS tracking : XXXX XXXXXXXX XXXX XXXX received their letter on XX/XX/XXXX @ XXXX XXXX   Title XXXX received their letter on XX/XX/XXXX @ XXXX XXXX   XXXX XXXX  received their letter on XX/XX/XXXX @ XXXX XXXX   and it was signed by XXXX XXXX ) I did not receive a response from any of them. In the letter I sent to them I gave them 30 days to release the lien letting them now that on XX/XX/XXXX I would be going to the XXXX XXXX County Recorders to see if the lien was released. On XX/XX/XXXX I did go to the Recorders office but the lien still had not been released. 

Attached to the letter that I sent all of the companies I not only included copies of the Substitution of Trustee and Full Reconveyance, Aknowledgment, and Assignment of Deed of Trust but our Chapter XXXX Discharge and the Motion to Value Collateral and Avoidance of Junior Trust Deed. 

Once again I have not received a response from any of the companies involved. At this point my primary concern is XXXX XXXX since they currently hold the lien
Product: Debt or credit management

XXXX trying to submit an application while someone is trying to copy my information watching my screen and hacking my ip address
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

When I made a new vehicle purchase, I asked specifically for my bill for financing to be due on the XXXX of each month. The XXXX XXXX explained to me that this would be the case. After two months initially no payment was due and then payments were due on the first of every month. This caused an issue with billing charging me a late fee for making my payment on the 15th additionally, when late they call up to 15 times a day and can leave up to four voicemails a day I feel this is harassment now they are texting me calling me and leaving me voicemails every day sometimes up to XXXX XXXX They call me at work. They call me at home. They call me on weekends. These practices are designed to be psychologically distressing.
Product: Mortgage

I refinanced my home in XXXX with XXXX XXXX. In a letter dated XX/XX/2019 I was notified that my loan servicing will be transferred to XXXX XXXX, XXXX. The paperwork was not clear and in reality only the primary mortgage had been sold and XXXX XXXX  retained the 2nd mortgage. 
XXXX XXXX  Loan # XXXX to XXXX XXXX , XXXX Loan # XXXX XXXX XXXX   Loan # XXXX, in reality stayed with XXXX XXXX. 
Without this knowledge, I made both payments to CMC/XXXX  through my bank bill pay on XX/XX/XXXX.  I made 2 separate payments to CMC, but I used the appropriate XXXX XXXX   account number on each. 
I only knew there was a problem when XXXX called to collect on the past due payment. At that time my account had not been " on-boarded '' by CMC so they could not help me. Account was finally set up 2-3 weeks later. After multiple hours of research, CMC posted the erroneous payment of {$1000.00} to additional principle. I applied for a refund and I received a message that the check was sent to my address of record on XX/XX/XXXX but I have not received. Many call attempts but after being on hold, they hang up and state they are in an all employee meeting and disconnect the call on multiple occasions. At least 6 times in last 3 days. Maybe 12 times before that. Can't be in all employee meetings that much.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 at approximately XXXX I spoke with a customer service representative by the name of XXXX XXXX who set up a payment arrangement for an account held with XXXX XXXX XXXX ( Duvera ). XXXX XXXX assured me that with following through with the payment arrangement the account would stop reporting negative and any previously reported negative information would reflect positive, effective XX/XX/2019, when the company updated their reporting. I spoke with a representative today who told me that they will not honor the arrangement made between XXXX  and myself because it is not policy. Another representative stated they would " review '' the account to see what could be done. I made a significant sacrifice to make this payment arrangement under the contingency that the previous negative information would be updated to reflect pays as agreed since the so called missed payments would be moved to the end of the loan ( deferred ). I was made a false promise of improved payment history in an attempt to collect a debt.
Product: Debt collection

Was offered a settlement amount of $ XXXX monthly payments. After I gave the man all the information for my bank account he then told me he could only do 12 monthly payments of {$400.00} instead of what I was originally told my payments would be.
Product: Mortgage

I want to express my frustration in working on a Loan Modification with Select Portfolio and XXXX XXXX XXXX XXXX  as an investor on my Mortgage. This process started back in XXXX with a simple request of a Loan Modification due to the fact that I was facing a Hardship.At the moment of my Hardship, I advise Select Portfolio with help because my company was experiencing an extreme Hardship and I could no longer afford my payments. To make matters worst, my husband, became XXXX and was forced to retired. His income no longer became available to the house and forced us to stop making payments. After being reviewed from XXXX to XXXX, they finally agreed to approved me with a trial payments that started from XX/XX/XXXX to XX/XX/XXXX. When I was approved, I had a problem with the second payment which they could not withdraw on time but they did not tell me anything about it until XXXX. In XXXX, a representative told me if I send both XXXX and XXXX payment together, I can comply with the trial. On XX/XX/XXXX, I executed the payment. Once the payment was withdrawn from SPS, they decided to send me a denial letter that they denied me the Loan Modification based on the fact that payments were not received on time. I feel like I was scammed by SPS by them advising to send the payments and then decide to deny me once they receive those payments. Thats when the real problem began. Ever since that denial, SPS has reopen many times a Loan Modification and then Denied me because the Investor XXXX XXXX   XXXX XXXX advises they dont want to move forward with the Loan Modification. Then they send me a letter stating they can help save the house, we reopen a case and month later they denied the Loan Modification based on investor XXXX XXXX XXXX XXXX denying the Loan Modification. They have done the same process for about 5 times. I dont understand how a company can reopen the case, send me letters that we would like to help you save your house through a Loan Modification, and then deny the process. Until last year, they approved me for a repayment plan. The approved me on a balance to be paid back Monthly of over {$5000.00} a month. If they knew that I could not afford this, specially since my previous payment was {$2400.00}, how did they expected me that this would be better. they mentioned that's what the investor approved me on, or else sell the house in a short sale. I could not afford this and the approval was denied. This year, I decided to see if I can even tried to get a repayment plan but just lowered because I want to save my house from Foreclosure, and they advise of a denial that Investor does not want to participate in any program, only a short sale.This is just not fair for me because I been fighting this case for the past 9 years and I feel like no resolution from SPS has been accomplished. I really want to save my house in a loan modification, I do not want to sell my house nor do a foreclosure against my property but I need your help
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, NELNET : I submitted the enclosed disputes regarding my federal student loans through Nelnet. The dispute was sent to XXXX, XXXX, and XXXX. I have been in the process of purchasing a new home and my loans went through the Fresh Start program. As per the two conversations that I had directly with the Department of Education, I was told that all negative information that was previously reported would be removed. The disputes were specific to each bureau. Nelnet decided not to pursue the disputes. Instead, I received a letter dated XX/XX/2023, with contradictory wording. It starts off by stating that after a careful review of my account, a determination was made that no adjustments are needed. The reason provided was because of an incomplete or invalid dispute. This was followed by claiming that under the FCRA a data provider doesnt need to investigate disputes received directly from consumers. For starters, the dispute came directly from the bureaus. Furthermore, the results should have also come back from the three bureaus. That never happened. Just a form letter from someone who didnt take the time to review the disputes. 
XXXX, XXXX, & XXXX The attached response from Nelnet indicates that you didn't provide the information listed in my individualized dispute sent to all three bureaus. You too share a part in the blame for my credit reporting incorrectly.
Product: Checking or savings account

On XX/XX/2019, a XXXX XXXX purchased a XXXX XXXX  for {$350.00} from me using XXXX, which was linked to my Chase account. I withdrew the funds to my Chase Checking account on the same day. 

On XX/XX/2019, I was notified by XXXX that XXXX 's bank had issued a chargeback and Chase took the amount directly from my checking account. 

I opened a dispute with Chase on XX/XX/2019 and explained my situation. 

On XX/XX/2019, I received paper mail from Chase notifying me that they had denied my appeal and are taking my {$350.00} to return to XXXX.
Product: Student loan

My federal school loans have been forgiven to due fraudulent actions and eventual school closure by XXXX XXXX. I had private loans serviced by Navient that I paid off in full but feel there is legal precendent to have these funds refunded. Navient has failed to provide proper insight or willingness to comply. Due to the Navient multistate settlement my private loans should be eligible for refund based off my schools for-profit status listed within the settlement terms.