23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX 2019 we requested WELLS FARGO MORTGAGE help guide us to the steps for the removal of the PMI due to a recent assessment our county performed .... of which we discovered we were well over our original market price and qualified for the removal of this insurance ... so we contacted WELLS FARGO MORTGAGE they informed us everything looked perfect for us to move forward with the process ... we were advised to make a mortgage payment so we could avoid any other unnecessary obstacles ... so in good faith we immediately made the mortgage payment and the young lady told us she ordered the package to me mailed to us ... only to discover the letter informed us we didnt qualify so we called WELLS FARGO MORTGAGE to inquire about the letter only to have the young lady to say the mortgage payment was finally updated and she would resend the letter ... only to discover the same letter!!! We called WELLS FARGO MORTGAGE AGAIN!! To have someone else to inform us we had late payments and didnt qualify to have the PMI REMOVED!! Fast forward to today XX/XX/19 and we received another letter informing us that we will not automatically qualify for the removal of the PMI .... WELLS FARGO MORTGAGE is a TERRIBLE MORTGAGE COMPANY!! They DO NOT WANT TO REMOVE THE PMI!! They will lie!! Have you to pay extra and still find tactics to deny your request
Product: Credit reporting or other personal consumer reports

I am disputing the above-referenced debt. Please verify these debt as required by the Fair Debt Collection Practices Act Because I am disputing this debt, you should not report it to the credit reporting agencies. I noticed some things are incomplete and not accurate .If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assume maximum possible accuracy of the information concerning the individual about whom the report relates. 
I sent a letter asking them them to reinvestigate these accounts because the opening date is not reporting correctly, date last active, date of correct., These accounts are not active. 
Aside from verification of the debt, do not contact me about this debt. 
The Fair Debt Collection Practices Act, 15 USC Section 1692c requires that you honor this request. Your cooperation will be appreciated. Please send updated credit report. Follow reasonable procedures to assume maximum possible accuracy of the information concerning the individual about whom the report relates OPEN DATE IS NOT REPORTING CORRECTLY, DATE LAST ACTIVE, DATE OF LAST PAYMENT IS NOT CORRECT, THIS ACCOUNT IS NOT ACCURATE Delete and update these accounts
Product: Mortgage

A loan modification application was submitted to Ocwen. They sent a letter on XXXX XXXX stating that they were reviewing the application, but there is a foreclosure sale coming up on XXXX on the property. That is clearly a Dual Tracking violation.
Product: Checking or savings account

I recently opened an Axos Bank Rewards checking account on XX/XX/2022 using promo code XXXX which is a {$300.00} bonus after meeting specific terms with new account holders. Terms have been provided at the bottom of this form. 

On XX/XX/2022 a {$7100.00} deposit was placed into my Axos Rewards checking account originating from XXXX XXXX, and the transaction coded as investment income. This deposit transaction met the terms of having a deposit within a single month from a third-party, being within the first 3 months, and being greater than {$7000.00} which makes the deposit sufficient to meet the bonus threshold according to the terms. 

I reached out to Axos bank to check on the status of the bonus on XXXX different occasions. The first was via online messaging system and was told that my account did not currently have a promotion code attached to it, even though their system auto populated it during the application process. I then proceeded to call into customer service, and was told that I met the requirements according to the reps immediate supervisor and I believe she did see the promo on the account, but no further action was taken besides having me wait longer. 

Because of conflicting answers from the Bank, and knowing others who have applied in my same time frame received their bonuses already, I would like some help in mediating the situation to ensure that Axos Bank stands up to their obligation. 



" To receive up to a {$300.00} Bonus : An Axos Bank XXXX XXXX application that includes the promotional code XXXX must be submitted between XX/XX/2022 at XXXX PST and XXXX PST on XX/XX/2022 to qualify. You must open your new Rewards Checking account and have qualifying direct deposit ( XXXX ) see table below. XXXX XXXX XXXX XXXX amount in XXXX Evaluation Period You must have these deposit amounts within a single calendar month during the first XXXX ( XXXX ) calendar months your account is open, including the month in which your account was opened. Direct deposit funds must be new to bank from a third-party source ( not originated from another Axos Bank XXXX account ) to receive bonus credit. All eligible awards will be delivered to your Rewards Checking account within 30 days following the XXXX waiting period. Account must remain open for 180 days or an early closure fee of {$150.00} may apply. A member may only qualify for one bonus tier and will not be eligible for future bonus payments if inflows subsequently increase beyond the 30-day Evaluation Period. ''
Product: Mortgage

On XX/XX/2023, Selene Finance sent a Reinstatement Quote good through XX/XX/2023, which totaled {$16000.00} and which was paid in full on XX/XX/2023. For the months of XX/XX/2023 through XX/XX/2023, my montly installment due was {$1500.00}. For the months of XXXX through XX/XX/2023, Selene indicates that my monthly installment due is {$2000.00} for a difference of {$520.00} per month for those months, with no explanation of the payment increas of {$520.00}. Monthly late fees are {$48.00} which totals {$290.00} for the months of XX/XX/2023 through XX/XX/2023. XX/XX/2023 's installment was paid on time, therefor accrues no late fee. The statement indicates late fees and " other charges, '' but does not break down those " other charges. '' The attorneys ' fees of {$1600.00} were included in the {$16000.00} reinstatement installment on XX/XX/2023. There is a " Corporate Advance Balance '' of {$830.00} with no explanation of what a " Corporate Advance Balance '' is. The monthly installment of {$1500.00} includes, and always has included, taxes and insurance. My mortgage is now current and should NOT be {$2000.00}. There has now been {$1500.00} ( {$520.00} x XXXX ) paid extra for the months of XX/XX/2023 through XX/XX/2023 and another {$2000.00} due in XX/XX/2023 for a total of {$2000.00}. On the XX/XX/2023 Mortgage statement it is indicated that escrow had a negative balance of - {$3300.00} and XXXX ( XXXX ) separate escrow advances totaling {$2900.00}. On the XX/XX/2023 Mortgage Statement, it is indicated that escrow now had a negative balance of $ XXXX for a difference of {$1500.00} in the XX/XX/2023 and XX/XX/2023 Mortgage Statements. On the XX/XX/2023 Mortgage Statement it is indicated that there was yet another escrow advance of {$4800.00}. Again, my monthly mortgage installment of {$1500.00} does, and always has, included both taxes and insurance in that payment and my monthly mortgage installments are current and paid through XX/XX/2023 as of XX/XX/2023. There seems to be no justification in the {$520.00} additional monthly charge on my XX/XX/2023 through XX/XX/2023 montly installments. Explain IN DETAIL please.
Product: Credit reporting or other personal consumer reports

I am writing to vehemently dispute the egregious misuse of my credit by both XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. These companies have blatantly violated the Fair Credit Reporting Act ( FCRA ) by accessing my credit report without my express consent or a legally permissible purpose. 
I demand that you investigate this matter immediately and take swift, decisive action against both XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX for their reprehensible conduct. Their flagrant disregard for the FCRA is unacceptable, and I expect you to hold them fully accountable for their actions.
Product: Payday loan, title loan, or personal loan

When I talked to this woman calling me and my family, she stated, this a payday loan debt from XX/XX/2014 through Ace Cash Express. Some woman name XXXX XXXX @ XXXX   is calling my sister at XXXX and my aunt at XXXX calling from XXXX XXXX on behalf of XXXX XXXX XXXX. Please tell this company to stop harassing me and my family. Their number is XXXX. Ace Cash Express has been paid for this loan several times over as we know the interest and fees they charge are ridiculous. That's why after paying this company so much money, I don't even do payday loans. Its a scam that I feel the government should step in and regulate. In the time I had this loan I paid them at least over 12k which is well over the original amount I owed which was no more than about maybe {$850.00} as I didn't make much money back then. I was a struggling single mom. This company is a criminal/loan shark preying on low income families to scam them out of more money then they have. And she accused me of " Debt By Deception ''. This would only be true, if I got the loan, then closed my account and then ran off without paying anything. I can see if they were never paid for the original loan, but after paying them over and over again at some point there should be a cap where they realize that they have received enough money in interest to close the loan. Have some integrity for the consumer instead of being greedy and then maybe this industry would have a better reputation. Have some morals to the consumers you serve, low income families who can't get a fair regular loan. But they are criminals/loan sharks and harassing people and their families with calls to create anxiety. Ace Cash Express should be the people in jail for their tactics instead preying on consumers with high fees and interest rates which they know is a trap and will never be able to pay. You want XXXX for a {$850.00} loan. That's crazy. I've paid this loan over 12x. Acknowledge that you have paid for the loan several times over and leave me and my family alone. Stop threatening me with wage garnishments, legal actions and XXXX County arrest.
Product: Debt collection

Onemain is reporting a collections / charge-off to all three major credit bureau 's ( XXXX, XXXX, XXXX ) under Account # XXXX stating I owe a balance of {$5500.00} for a installment loan opened on XX/XX/XXXX 2013 and Onemain Financial XXXX XXXX XXXX XXXX , MD XXXX is reporting the same installment loan under Account # XXXX opened XX/XX/XXXX2013 stating I owe a different amount of {$6100.00} causing two highly damaging negative items on my credit score. This is double jeopardy, collection for the same debt. 

I have contacted Onemain and filed disputes with all three major credit bureaus and can not get this removed from my credit reports.
Product: Credit reporting

Sir, Currently, I 'm living in abroad ( XXXX ) for a short period and moving to US soon. I was given understand that there are few credit card accounts are charged off and there are fraudulent transactions are appearing on the account statements. In this context, I tried to extract credit reports/statements from credit card reporting and monitoring agencies like TransUnion, XXXX etc from XXXX. Unfortunately, I 'm not able to access reports and it is showing up as 'location issue '. I 'm trying to access these reports from XXXX ( Abroad ) and it could be the reason for not getting these reports. As I 'm moving to XXXX soon, kindly send those Credit reports to the following address in USA as I need to fix this issue before arriving in to USA or to my e-mail ID : XXXXXXXXXXXX. 
XXXX XXXX XXXX XXXX NJ XXXX XXXXXXXXXXXX
Product: Debt collection

I have requested every month since XXXX for this company to send me detailed proof of this debt. I have asked them to send me proof they are licensed to collect in my state, a detailed breakdown of the charges I owe, and a signed contract showing I agreed to pay this debt and that it is valid. The company has chosen to only send a blurred copy of statement that looks doctored with no absolute proof that I owe this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX reported an amount of {$19000.00} as the alleged balance on the account to Experian however, the amount that XXXX stated to me was owed is {$19000.00} in its initial communication.
Product: Vehicle loan or lease

My complaint is against Capital One Auto Financing and my auto loan through. I purchased a XXXX XXXX XXXX two years which they financed and have struggled with the loan payments after six months. Initially the vehicle was vandalized through unauthorized use causing extensive damage to the undercarriage breaking both control arms, bending a rim and ruining a tire. The repairs exceeded {$3000.00}. A police report was filed, but no charges were ever filed. As part of my contract with Capital One I have to maintain the vehicle and am responsible for any and all repairs. I immediately notified them of the damage and forwarded a copy of the police report. The did not offer any leniency despite being made aware that the cost of the repairs would hinder my ability to repay the loan. Six months later I was involved in an accident in a company vehicle which left me bed-ridden and unemployed for two months. Once again, I notified the bank that I would not be able to make my payments on time. Once again, when I asked for a deferment on the loan, it was denied. Recently, and partially because I was desperate for work, I fell prey to a labor scam which left me once again behind on loan payments. Now the bank is threatening repossession, they've worsened my financial situation by reporting negatively to the credit bureaus, they've buried me in interest and late fees, and still can not offer a solution. They are attempting to profit from a victim and this is the epitome of predatory lending. The vehicle is no longer worth anywhere near it's original loan value and I'm still responsible for the principle loan amount. I should not be paying excessive interest and fees on a criminal act nor should the bank be able to profit from it. They've also violated my privacy by disclosing negative information regarding the loan, including status, payoff, and balance without my consent.
Product: Mortgage

After receiving purchase agreement, signed into better.com website under my profile and selected desired rate of 3.375 % with {$240.00} credit. Followed the instructions and downloaded purchase agreement. To my dismay, I'm being charged {$300.00} with the rate of 3.375 %. I'm getting the run around from the loan officer, XXXX XXXX. I signed into better, com website under my profile, selected the desired interest rate with {$240.00} credit and downloaded purchase agreement as required. I'm absolutely livid about this situation. This would of never happened with a live rep. These online banks need to be more regulated. I feel I was duped with a bait and switch.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I used XXXX through J.P. Morgan chase bank to my salon land lord. It went through on my end and it was not received by his bank. I asked chase to track the transfer but instead they put it in as a dispute. I dont dispute the money they was sent I am asking them to track where they sent it to since the owner did not receive it. Tracking number was XXXX. I can not get anyone from chase to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey on XX/XX/2021 I had sent in a letter regarding inaccurate and not known to my knowledge things on my credit report. Leading up to this day which is over 32 days later I have not gotten a response yet. I feel like I'm being taken advantage of and ignored. After taking some time to do research on this matter, I concluded that failure to investigate these items within 30-45 days gives a reason to immediately remove these inaccurate items from my credit report. It has been over 32 days so they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation, due to the headache and stress you have given me.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MI [ XXXX ] XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COERCION AND DECEIT NOTICE OF INTENT AND PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES FOR VIOLATIONS OF THE FAIR DEBT COLLECTIONS PRACTICES ACT OR FAIR CREDIT REPORTING ACT ] Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. Despite my three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated in writing that you verified that these items are being reported correctly? Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted within10 days. A copy of this letter as well as copies of the three previously written letters sent to you by certified mail with proof of delivery will also become part of a formal complaint to the Consumer Financial Protection Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this offer of settlement. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. In order to avoid legal action I demand that you delete all of the unverified accounts listed below immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted. Encl : 1. Copy of Social Security Card 2. Drivers License
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXX on behalf of Capital One responded to the CFPB request to look further with this dispute. In this signed letter by XXXX for which i will reattached XXXX states " please note, that we will not share your creditworthiness information with any affiliated or non-affiliated organization with Capitalone '' ( However Capital One is still sharing with the Credit Bureaus ( XXXX, XXXX, XXXX   ). I've called and spoke with XXXX from disputes and faxed this letter to her/department on XX/XX/XXXX still haven't heard anything back. Today I spoke with XXXX ( disputes department ) she stated they did updated today XX/XX/XXXX and that its reporting correctly but they didn't address the letter I faxed and that she was going to resend info to their credit department but I couldn't speak to them. 

Can the CFPB take steps an assurance to hold Capital One accountable to what XXXX XXXX promised me in this signed letter and not share this information regarding my credit worthiness with the credit bureaus as promised
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX failed to Promplty report an issue with my Auto Loan account, No one within the branch location could provide reasoning as to why my payment increased {$75.00} a month, This difference in payment amount has been in dispute since XX/XX/2022. Reasoning has finally been revealed on XX/XX/2022 only after a late payment has been reported XX/XX/2022 which violates 12 CFR 1026.13, I have been told by a XXXX XXXX Representative to " Pay the balance and we'll deal any disputed amount later '' on XX/XX/2022. 

XXXX XXXX  has then attempted to solidify their case by sending notices via email on XX/XX/2022, which has never been sent to the correct address on file. Please review the attached documentation to better prove my case.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of XXXX XXXX Account Under FCRA To Whom It May Concern, I am writing to formally dispute the collection account reported on my Equifax and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, this company is not licensed to collect debts in the state of Arizona. As such, this accounts reporting is inaccurate and should be permanently removed from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), Equifax and XXXX is required to follow reasonable procedures to ensure maximum possible accuracy in consumer reports. Reporting a collection account from an entity not authorized to operate in California constitutes a violation of this standard. Furthermore, under 15 USC 1681i ( a ) ( 1 ), I am entitled to dispute inaccurate information, and Equifax is obligated to investigate and correct or delete unverifiable data. 

Actions Requested Proof of Licensing : Provide verifiable proof that XXXX XXXX XXXX is licensed to collect debts in Arizona. 

Remove the Inaccurate Entry : If such proof can not be provided, permanently delete this collection account from my credit report. 

Provide Written Confirmation : Send me written confirmation of the accounts removal and an updated copy of my credit report reflecting the correction. 
I request that you complete your investigation and provide a response within the 30-day timeframe required under the FCRA. Should you fail to address this matter appropriately, I will escalate my concerns by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Arizona Attorney Generals office. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX