23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My husband and I made a manual payment early to FreedomMortgage.com which is the new company that acquired our original mortgage. Days later the mortgage company 's auto pay system tried to take the same standard payment after already receiving our first payment. Since the money was already taken through the manual payment, the mortgage company hit us with an Non sufficient funds fee not realizing they already had the money. I called the customer support line several times to get the fee waived and they told me this was not an error on their end and they refuse to waive the fee. They basically penalized us for paying our payment early and are now trying to charge us fees on top of our monthly payment. Their customer service was the most unprofessional rigmarole I've ever experienced. They refused to let me speak with anyone higher up than a supervisor and said the decision was made by a part of the company that does not interface with clients. Every time I called, they made my husband verify I was allowed to speak with them even though I'm co-signed on our mortgage, then when I would get forwarded to a supervisor I would get their voice mail. When I finally reached a supervisor they said I should know how their auto pay system works and that they clearly state this information in their terms. I reviewed the auto pay terms and no where does it say that the system will continue to take multiple payments after a manual payment is made. We've had credit cards and other accounts with auto pay for over 20 years and every system recognizes when a manual payment is made and does not try to take the money again. The scary part is that they basically can hit us with whatever fees they'd like at whatever time and we can't do anything about it. Why shouldn't we be able to choose our mortgage company the way we choose any other service. These companies are corrupt and are not held accountable because their customers can't go to the competition if their not happy.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries were found on my consumer report and do not belong to me : XXXX XX/XX/XXXX My account started on XX/XX/XXXX as shown on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

This is my second complaint as the company's response did not resolve the issue.The company's response on the first complaint refers to a future date (XX/XX/2019) which makes no sense.   I overpaid in fees for a payday loan I took with Cash Central when I resided in California.  Cash Central charged more than the 15% per $XXXX   borrowed limit.  No matter my state of residence (California, which it was at the time of the loans...South Carolina which it is now), the limit on a payday loan in both states is $XXXX  per $XXXX  borrowed.  Cash Central will attempt to state these were not payday loans, but they completely were.  These loans were completely without a doubt payday loans as the due dates were on my paydays.  This makes them payday loans by default.  Were the payments due on paydays? Yes.  These are payday loans.  Period.   Per the regulations in both California (where I resided at the time) and South Carolina (where I reside now), the most I should have paid is $XXXX  in fees (15% of the $XXXX borrowed/15 x XXXX).  I paid $XXXX!!! I paid $XXXX per $XXXX   borrowed...four times the $XXXX per $XXXX limit on a payday loan!This is predatory lending.  I overpaid $XXXX.  I am due a refund. I will even compromise and accept a payment of $XXXX.  Cash Central will then have received $XXXX in fees.  This is a rate of 29% which is more than just.  It is nearly twice what I should have paid.  It gives Cash Central $XXXX   per $XXXX  borrowed.  29% in fees is much more just and humane than 72%! Please do the just and fair thing and settle this. Cash Central profited severely through my stupidity.  I overpaid on these payday loans and am simply seeking what is just.
Product: Debt collection

I have an unverified account from originally XXXX XXXX XXXX # XXXX. I had previously disputed this account with XXXX XXXX XXXX they NEVER provided ANY form of Verification or Documentation and this account was deleted from my Credit report as a result.Somehow it was sold to AFNI # XXXX, ALTHOUGH IT WAS NEVER VERIFIED!!! I have never done business with AFNI Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I  dispute the validity of the debt purport I owe. I request that AFNI # XXXX. Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AFNI Cease and Desist all further communications and collection actives and provide the verification of the purported debt. This debt has been bought and sold at lease 3 to 4 times already and I plan on suing AFNI if they sell this unverified debt to another collections agency!!!!
Product: Credit reporting or other personal consumer reports

Federal laws mandate the inaccurate information and late payment reporting is excluded from Consumer Files. TransUnion and XXXX are in violation of FCRA 1666b ( a ) by furnishing late payments on dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. These late payments are illegal and also inaccurate information due to Payment history shown of credited payments twice the months of XX/XX/XXXX & XX/XX/XXXX. Account was suspended, closed and new card issued due to theft of my backpack containing credit cards, phone and tablet on XX/XX/XXXX. XXXX XXXX Police Department item # XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion for failing to maintain accurate and current personal information on my credit report, as required under the Fair Credit Reporting Act ( FCRA ). Despite previous requests, my credit report continues to contain outdated or incorrect variations of my name and address, which have not been removed. I have provided my correct information, but TransUnion has retained inaccurate data without proper verification, which is a violation of the FCRAs accuracy requirements. 

My Correct Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations of the FCRA : Failure to Maintain Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) Under Section 609 of the FCRA, credit reporting agencies are required to maintain accurate and verifiable information on consumers ' reports. TransUnion has failed to remove outdated names and addresses despite having my verified current information.

Inclusion of Unauthorized Information TransUnions continued reporting of old names and addresses without my authorization infringes on my right to accurate reporting. The presence of these entries also affects my creditworthiness and is a violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TRANSUNION AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX : XXXX -- -> : {$1700.00} XXXX. XXXX, XXXX : XXXX -- -> : {$1200.00} XXXX, XXXX : XXXX -- -> : {$260.00} XXXX  : XXXX -- -> {$12000.00}
Product: Mortgage

This is proof positive that Wells Fargo and other committed outright fraud. I have attached supporting documents and case law that supports what they did was outright fraud. Please view the assignment dated XX/XX/XXXX. You can see that Wells Fargo created this assignment for XXXX 's. This is not possible because XXXX XXXX XXXX went out of business back in 2007. If you look at the case law, which is attached you will see that it is not possible. The alleged Assignment of Mortgage which purported to transfer interest in the mortgage to XXXX XXXX as assignee, was invalid because XXXX 's as nominee for XXXX XXXX XXXX had no authority to assign the ownership interest of said mortgage, because XXXX 's was not the owner of the subject mortgage and was only a nominee for XXXX XXXX XXXX, which was a non existent Corporation. Said purported assignment was without authority and therefore invalid. XXXX 's had no ownership interest in the mortgage and was merely named as a nominee for the non-existent corporate mortgagee. Based on the foregoing, Wells Fargo and XXXX XXXX had no standing to bring any actions. Neither had no legal right to attempt to claim ownership of the subject Note and Mortgage, or any right as servicer, for some other unknown entity, and is without any legal basis to attempt to foreclose the subject mortgage, or to collect on the Mortgage Note, because XXXX XXXX XXXX did not exists after 2007. The collection of mortgage payments by the Plaintiff and its predecessors in interest, was therefore illegal and they were without any legal right to receive and use or disburse the funds therefrom on behalf of any owner of the Note and Mortgage, or any other party. ( They attempted to foreclose on 3 separate occasions ) Another fraudulent assignment which is dated XX/XX/XXXXXXXX, 2014 is attached. You can see that Wells Fargo created this assignment, but indicated that the assignor and assignee was both XXXX XXXX. How can you assign an assignment to yourself. There is also the issue of material fact as to the assignment dated XX/XX/XXXX, 2014, which was recorded in XXXX, well after they initiated a foreclosure. This is well documented fraud and the CFPB needs to take action on this immediately.
Product: Mortgage

Caliber Home Loans is using faulty information in the servicing of this mortgage loan Caliber Home Loans has failed to deliver required foreclosure protections.

Caliber Home Loans has engaged in the prohibited practice of dual tracking while having received timely all the required documents and financial information from the borrower. 

The CFPB issued amendments on XX/XX/2014, The rule issued establishes new protections for consumers, including requiring servicers to notify borrowers when loss mitigation applications are complete : Whether a borrower is entitled to key foreclosure protections depends in part on the date a borrower completes a loss mitigation application. If consumers do not know the status of their application, they can not know the status of those foreclosure protections. 

The final rule requires servicers to notify borrowers promptly and in writing that the application is complete so that borrowers know the status of the application and have more information about their protections. The CFPBs new rule clarifies that, if a servicer has already made the first foreclosure notice or filing and receives a timely complete application, servicers and their foreclosure counsel must not move for a foreclosure judgment or order of sale, or conduct a foreclosure sale, even if a third party conducts the sale proceedings, unless the borrowers loss mitigation application is properly denied, withdrawn, or the borrower fails to perform on a loss mitigation agreement.

Caliber Home Loans failed to respond to a Notice of Error and request for information.

Caliber Home Loans has failed to properly acknowledge and investigate my complaint
Product: Debt collection

I am filing a complaint against Central Portfolio Control , Inc. regarding their attempts to collect an unverified debt, failure to provide proper validation, and continued collection activity despite my Cease & Desist notice. They sent a letter on XX/XX/year>, stating a collection notice from them regarding a debt allegedly owed to XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX for {$2500.00}. I do not recognize this debt. 

Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, I exercised my legal right to request full debt validation in writing via Certified Mail. Despite my request, they have failed to provide any proof that I owe this debt, including a signed agreement, itemized breakdown of charges, and proof of assignment. In addition to requesting validation, I also sent a Cease & Desist notice under 15 U.S.C. 1692c ( c ), demanding that they immediately stop all collection activities, including phone calls, emails, and letters. I do not wish for them to continue to contact me and attempt collection, which is violating my rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times, since XX/XX/XXXX, to resolve the issue with Equifax. They have me labeled as being deceased through XXXX from XXXX. I provided that information back in XXXX and they took it off my report, then recently they put it back on my report. They did a dispute and at the same time I call XXXX and they sent out a letter stating that I was not deceased. On XX/XX/XXXX, Equifax sent me a letter stating, " The account is currently not reporting as deceased. The following fields have been modified : *additional information *stats *balance *type of loan. '' I'm trying to refi my house and can not due to being labeled as deceased. I've made multiple calls and all of them tell me it's going to take 30 days for the dispute. I've waited over 90 days to keep getting the same results. I talked to one agent who was actually helping me before I was sent to a survey and eventually disconnected. This is also hurting my credit score, at no fault of my own. It's obvious Equifax is not going or willing to help me resolve this issue so I can move on with my life. I need someone else to step in and resolve this for me as soon as possible. As a consumer, I am entitled to my credit score and allowed to authorize who I see fit to run that report, but Equifax is preventing me from doing that.
Product: Debt collection

I reviewed a copy of my credit report and notice this company reporting I owe monies to them. I reached out to them to send me the validation that this is indeed mine and I can move forward to taking care of this issue. I have yet to get any response with the information I requested.
Product: Credit card or prepaid card

XXXX - Chase ( Marriot ) and Chase ( Amazon prime ) credit card.

I call these bank asking for help during Covid-19 hardship to ask for interest rate reduction or forgiven during pandemic and they totally refused even with escalation to managers.

According to Chase, the bank is offering Covid-19 " help '' for customers which are having hardship situations due to pandemic.

However their help is looks more like an scam where they offer to deffer the minimum payment for three months without fees, nor reporting to Credit report agencies.

To my family and I, this is not acceptable and incurred in more debt since they denied interest rate reduction or forgiven in order to avoid more debt.

The scam is pretty simple, if customer don't pay the minimum payment and the bank charge interest over interest, any customer will in trouble worse than before.

This is unacceptable during Covid-19 pandemic specially knowing that banks such as XXXX XXXX and others offers better HELP by not charging fees and zero interest rate during families hardship than this Chase bank scammers.
Product: Mortgage

I asked for a payout on XXXXXXXX XXXX to sell my home. I was set to close on Friday XXXXXXXX XXXX. I was contacted by the closing attorney XXXX XXXX XXXXXXXX XXXX that there was a lien of {$2000.00} the payoff did not include. I spoke with XXXX, XXXX, XXXX, and XXXX, and others, no one was able to help me, because The Money Source did not file the proper paperwork with HUD. The money source only communicates with HUD on Wednesdays, and I was told this could take up to 3 weeks to resolve. The buyers have backed out of the purchase because this is too long of a wait, leaving me back to square one. The money Source prevented me from selling me home and paying off the mortgage. I called on XXXX XXXX, twice. XXXX XXXX, twice and XXXX XXXX. As well as the closing attorney who spend hours trying to resolve this issue.
Product: Debt collection

numerous calls daily every few hours. when the phone is answered, there is nobody on the line. this happens many times a day. 

I didn't know what why the harassment was about until I received a false, deceptive and misleading debt collection attempting to convince me that I owed a debt to another? collection agency 10 years ago! what???
Product: Debt collection

I am writing to express my disappointment with the inaccurate credit reporting done by American Express. This reporting has severely damaged my current financial situation. I noticed a new account for American Express on my credit report that I did not open. I immediately sent a notice to American Express, requesting them to validate the debt and remove it from my credit report. These requests were sent certified mail tracking number XXXX XXXX XXXX XXXX XXXX. Despite these efforts to resolve this issue, American Express has not taken any action to remove the debt from my credit report. As a result, my credit score and report has been damaged, making it difficult for me to obtain credit. I am requesting that American Express immediately remove the disputed debt from my credit report. I am also requesting that they provide me with a copy of the validation letters they sent to the credit bureaus. If American Express does not take any action to resolve this matter, I will be forced to take further action, including filing a lawsuit.
Product: Student loan

In 2007 I enrolled at the XXXX XXXX XXXX California XXXX XXXX XXXX hoping to obtain a XXXX Degree. I spoke with the financial directors and determined that I would need XXXX Federal Loans and I also chose to apply for a Tuition Answer Loan totaling XXXX. I spent XXXX semesters at the facility before determining that this was not the career path I had chosen. I had already cashed the XXXX XXXX XXXX and was using it. I did not return that money, however I un-enrolled from the school immediately. Approximately XXXX year later I began receiving debt collection letters from XXXX additional private loans that I gad not signed for. These loans totaled XXXX. I contacted the school who stated that the loans had gone to collections and were no longer the responsibility of XXXX XXXX. I began contacting the debt collectors and was informed that in XXXX of 2007 I apparently went to a XXXX XXXX to cash these checks. I asked for the signature paperwork, they said they would send it to me, I stopped receiving phone calls. XXXX moth after I contacted the " phone number '' I had been given by the school to find it had been disconnected. It has now been several years and every time I get a letter I call demanding the written signature that allowed for these checks to be cashed in my name. I have refused to make any payments to XXXX XXXX or XXXX until this documentation has been provided. I am now planning on filing a small claim in court to have these false loans dismissed.
Product: Credit card

I am writing to express my extreme dissatisfaction with the handling of a disputed transaction on my account. On XX/XX/year>, I contacted Chase to dispute a charge of {$2400.00} from XXXX XXXX dated XX/XX/year>. I explained to the Chase agent that the jewelry I purchased from this merchant in XXXX had been appraised by a local jeweler upon my return to the XXXX and was confirmed to be fake. 

Following the agent 's instructions, I immediately : Contacted XXXX XXXX : I informed them of the fraudulent goods and requested a return, which I completed. 
Obtained a formal appraisal : This appraisal confirmed the jewelry 's inauthenticity and valued it at {$300.00}, significantly less than the {$1700.00} stated on the merchant 's provided " certificate of authenticity. '' Submitted all documentation to Chase : This included the appraisal, XXXXXXXX XXXX XXXX response, and their " certificate of authenticity '' clearly demonstrating the discrepancy. 
Despite providing ample evidence, I received a letter on XX/XX/XXXX stating the charges were valid. Upon contacting Chase that same day, I was informed that the original agent had misclassified my dispute as a fraudulent charge, rather than a dispute of goods or services. This critical error, made by your representative, resulted in the denial of my claim. 

I was further informed that the window to rectify this misclassification had closed, preventing Chase from pursuing a chargeback with XXXX. This is unacceptable, as the fault lies squarely with Chase 's internal processes and agent error. I have been diligent and proactive throughout this ordeal, following all instructions provided. 

On XX/XX/XXXX, a supervisor escalated my dispute but offered no guarantee of resolution. I explicitly requested a review of all call recordings related to this dispute, emphasizing that I never reported my card as stolen or used by an unauthorized party. My claim has always been about the inauthenticity of the goods sold to me. 

Despite my efforts, I received another letter on XX/XX/XXXX upholding the validity of the charge. This is a blatant disregard for the evidence provided and a failure to acknowledge the error made by your agent. 

I demand a full reversal of the {$2400.00} charge due to the following : Clear evidence of fraudulent goods : The formal appraisal and the discrepancy with the merchant 's " certificate of authenticity '' undeniably prove the jewelry is fake. 
Chase 's agent error : The misclassification of my dispute directly led to the denial of my claim. 
My diligent adherence to all instructions : I followed every step provided by Chase, including contacting the merchant and obtaining a formal appraisal, both which I submitted to Chase. 
I expect immediate action to rectify this situation. 

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

I am filing a complaint against Equifax due to their failure to address my dispute of unauthorized inquiries within the legally mandated timeframe. I sent a dated and time-stamped dispute letter on XX/XX/XXXX ( attached ), detailing that certain inquiries on my report were unauthorized and accompanied by an FTC report as evidence. Under U.S. law, these inquiries must be removed promptly. Over 30 days have passed with no acknowledgment or corrective action taken by Equifax. I, XXXX XXXX, confirm that the following accounts were unauthorized and are to be removed from my credit report : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX