23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This number keeps calling me EVERY DAY starting early in the morning to night. They never say who they are, but it has the Wells Fargo automated message in the beginning when I answer or if I call back. Not sure if this is a scam because they immediately ask for my credit card number before anything else. They wo n't say whether they are a debt collector but they mention that I owe money. I have spoke with them a few times and explained my recent situation and that I am unable to make the payment at the moment. I have asked them kindly to stop calling me and they still wo n't stop. I am woken up from their calls and last time I talked with someone they called me stupid and I need to get my act together before I get arrested. I do n't know what to do, because they change numbers all the time so even if I block XXXX number, they still contact me on another. I keep telling them to stop over the phone and they agree they will, then they still keep calling me. It is interfering with my sleep but also making me very nervous. How do I get them to stop? Thanks.
Product: Mortgage

The situation that led to this complaint is complex and spanned over several months, so I cancelled the prior related complaint and opened this new one in order to better focus on the question I'd like your assistance with. 

Question : Is it legal for my loan servicing company to force me to pay for EXTRA homeowner 's insurance if my homeowner 's insurance meets their coverage requirements, is NOT insolvent, is paying all approved claims, and is on the California Admitted Insurer 's List, so is therb covered by XXXXXXXX XXXX  in the off chance that it can not pay a claim due to insolvency? 

As explained to me by the XXXX or XXXX XXXX XXXX XXXX XXXX was set up to protect California homeowner 's in the event that their insurance company is unable to pay an approved claim in part or in full. This fully funded insurance protects California policyholders and claimants of insovent licensed property and casualty insurance carriers. 

Background : - This is a XXXX XXXX XXXX originated through LoanDepot which was then sold to SLS or Specialized Loan Servicing, LLC - I've repeatedly explained to SLS why there is no need for me to purchase additional insurance, yet they insist they can force me to purchase the insurance they have chosen for me regardless of the information I provided to them - My homeowner 's insurance is with XXXX XXXX XXXX - XXXX XX/XX/2024, SLS is going to purchase additional insurance for me which will cost me an additional XXXX XXXXXXXX on top of what I already paid for my XXXX XXXX  - SLS claims they can force this extra insurance due to risks related to XXXX 's XXXX rating ( e.g. XXXX XXXX  ), but they never sent me the contract where I agreed in writing to pay for extra insurance based on a certain set of criteria - According to the XXXX XXXX XXXX XXXXXXXX, this issue is a contractual matter and SLS is required to provide me with a copy of the contract that I signed and it must specify the criteria that must exist before they can force me to buy insurance. I have asked them for a copy of the contract and the exact clause discussing this situation, but they refuse to provide this to me.
Product: Student loan

I have a federal student loan with XXXX XXXX. In XX/XX/2018, my family and I started the process of buying a home. My loan was on forbearance since I had my son because I couldn't afford the payments and have been switching positions often since I returned to work after my maternity leave. Since I was on forbearance, the mortgage company wanted to see me in repayment, so I adjusted my account. When I did this, I was smacked with a {$55000.00} penalty. When I called to find out, I was told this was capitalized interest that was living in a bubble ( not sure what that means and it was not explained to me when I asked ). Since this happened, my payment went up, making it impossible for my husband and I to get approved for our mortgage on our own, so we thankfully had a co-signer. I tried to talk to the customer service people asking to speak with a manager about this and I was always given the run around. I now  have a higher monthly payment because of this penalty that I can not afford. I do not know what to do since my loan has ballooned so much due to high interest rates, having my interest capitalized and paying interest on top of interest. Every time I call to try to figure out my loans and get myself on a realistic payment plan I can afford, they just put me on forbearance, and this has been going on for 3 years now. I have become very stressed about this because I see no end in sight or solution and have started thinking of hiring a lawyer to help me.
Product: Checking or savings account

I reported a fraud charge from solo funds to Chase for {$300.00}. I tried to contact the company and sent them multiple emails and I can not get anybody on the phone. I cant get anybody to answer any questions I have done business But I did not authorize the {$300.00} charge so Chase temporarily gave me my {$300.00} back and I get a letter saying that they are going to take the {$300.00} back out of my account because they researched it which they did not provide me the research that was done and that this charge for {$300.00} was authorized it was not an authorized charge and Im telling you this company you can not get in touch with them. My money was stolen and Chase did not do what they were supposed to do. I feel like I have been taken advantage of and that Chase is not doing a good job of researching so what do I do? Just {$300.00} is gone from my account forever. This is not acceptable.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that you are providing on my credit report : XXXX days late payments. 

For starters You have been billing me incorrectly since XX/XX/2023. You have charged for me fraudulent charges and failed to remove all of the charges after I opened a claim. As you are aware all charges with balances create interest which Im forced to pay. I have written multiple letters for this to be corrected. The billing error has finally been updated XX/XX/2023. Which is also when you reported inaccurately late payments. XXXX, Equifax and XXXX shows that you state that there was not a payment made in XXXX or XXXX. That is False. Your rep stated that I made a {$70.00} payment on my account in XX/XX/2023. However I also made a {$280.00} payment and XXXX credited my account an additional {$81.00}.
Product: Debt collection

Midland Credit has called me every single day starting from XXXX XXXX, 2022. They said I owed them debt, but due to the limitation of statue, they couldn't sue me or put it on my credit report. I told them to send me confirmation of this debt via mail because I do not have any debt. They call EVERY SINGLE DAY. Including during work hours. I want it to stop. Please.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion had removed this account then when I asked XXXX  to update their info as Transunion has it all of a sudden appeared back on my Transunion report, I've asked for months for a copy of the signed contract from XXXX and still Transunion has not complied only saying its been verified. I am a victim of identity theft and I have sent in the affidavit. I would like to resolve this inaccuracy
Product: Debt collection

According to Law USC 1692c If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.

Under the Gramm Leach Bliley Act ( Title V, subtitle A, of this Act ( 15 U.S.C. 6801 et seq. ) I have the right to opt out of getting my nonpublic information shared with a non-affiliated third party. My rights were violated because I was not provided with an opt out disclosure. As a consumer, I have the right to privacy and the right to opt out of getting my nonpublic information shared with a non-affiliated third party. Therefore, this account should be deleted.
Product: Mortgage

I'm filing this complaint against wellsfargo mortgage because they have repeatedly not communicated with me on my mortgage application and have repeatedly run my credit, which has resulted in my XXXX  scores going down almost 40 points in one week. 

I have scores of XXXX  XXXX, XXXX was XXXX ( then they ran my credit over 5 times ) and now it is XXXX, and my lowest XXXX was XXXX ( now it is XXXX dropped 40 points ) from all the hard inquiries they did to purposely sabotage me. I '' m enclosing most of the screen shots of my credit and most of the times they ran it as proof. When they wouldn't return my emails or calls, I started to call until they answered me. They told me that they couldn't see my credit and so they kept running it. When I called all the credit bureaus I was told that wellsfargo needed to contact them directly through their business line, because there were profile errors on my reports, causing them not to be able to see it. The credit bureaus told me that wellsfargo should have immediately noticed that the reports weren't coming through and should have contacted them through the direct line open for corporations to establish issues such as what was occurring with me, so as not to cause any drop in scores from multiple hard inquiries. 

Now wellsfargo is denying my mortgage for low scores! Really, I had over the threshold of 600 as my average and now with the 5 times they ran my credit they dropped me significantly. Now they are saying that it requires special underwriting? ON every website wellsfargo states that the requirement for a VA loan is 600 and verifiable income. Both me and my wife make a combined XXXX a year and both have over a 600 in credit scores when you average all 3 bureaus. I have a VA Certificate of Eligibility which backs the loan with federal funds, income, the credit score, and below 35 credit utilization. What is the problem? I'll tell you what it is, an inability to serve people honestly and correctly. Veterans should not have to put up with this garbage. 




XXXX XXXX Mortgage Processor ( SAFE ) NMLSR ID XXXX Wells Fargo Home Mortgage XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX ext. XXXX | Fax XXXX
Product: Mortgage

Phh Mortgage Company has violated my rights as a successor, according to law sb1150, I have contacted there company on various occasions in regards to the death of my grandmother XXXX XXXX XXXX she died on XX/XX/XXXX loan # XXXX I have sent to them numerous documentation such as my identification death certificates affidavits and court documents stating when probate will be done which on XXXX. I tried to send payment to the company and they returned it because payments were not made prior to my move in date. I have tried to speak to the company and make a modification on the loan or see if I am eligible for forebearance due to covid 19 I was still told I could not get any information and that since I not listed on the loan there was nothing they could assist me and I could not get any information to stop default. Now they have put house in foreclosure and have a auction set in XX/XX/XXXX and I feel that I have not been given the chance or information to best address any defaulted loan because I could not get information from there company. I have called emailed and wrote letters and now it has still not been addressed, I would like to be able to save my grandmothers home and get the proper information to modify and stop foreclosure
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done XXXX XXXX  by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Mortgage

In XX/XX/2021 I received a letter that my mortgage was due in XXXX. I was unaware of that and told Rushmore. I didn't want to use all my savings to pay the balance. I was renting the property at the time and unable to refinance. I'm also retired. The only solution was to accept the Rushmore " rate renewal '' at more than twice the prior rate ( XXXX XXXX XXXX XXXX  ) The tenant moved out in XXXX and I moved back to the property. I now have to borrow from savings each month to pay the higher payments ( + $ XXXX ) in addition to higher food & other expenses due to inflation. I called Rushmore for help. They offered loan modification or other program so I went thru the extensive process, with documents & information. I now received a bizarre letter that I don't have enough income to support a loan modification. Which is why I asked for help. That " rate renewal '' far exceeds the market even with higher rates. I tried to refinance the loan but it adds more to the balance without offering lower monthly payments. Don't they have to provide assistance? Lower interest or refinance the loan to extend the date for lower monthly payments. I can't keep depleting my savings to pay this outrageous inflated rate.
Product: Money transfer, virtual currency, or money service

I used XXXX to pay for a service from my USBANK ACCOUNT. 
XX/XX/XXXX  I sent {$120.00} XX/XX/XXXX  I sent {$350.00} XX/XX/XXXX  I sent {$200.00} When I viewed my USbank account Statement instead of the above listed amounts the USbank account listed the following payments which I didn't authorize. 
XX/XX/ I sent {$1200.00} XX/XX/ I sent {$3500.00} XX/XX/ I sent {$2000.00} I filed a dispute with USBANK and they never responded and never returned my funds.
Product: Credit reporting or other personal consumer reports

Spoke with transunion! XXXX disputing unauthorized inquiries and was instructed to submit via mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

This creditor is reporting inaccurate information about the account status.

XXXX  Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 5 16815-2 ] ( a ) Duty of Punishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting infor actual knowledge of errors. 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. 
( B ) Reporting information after notice and confirmation of errors. 
A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( il ) the information is, in fact, inaccurate! 
( C ) No address requirement. A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address. 
( D ) Definition. For purposes of subparagraph ( A ), the term " reasonable cause to believe that the information is inaccurate ''.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 50. 
financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Capital Alliance has been harassing me for a this debt off and on for 15 years now. A debt which I have repeatedly told them was not mine and they have shown no proof to show otherwise.

I had a title search done when I bought a house and they never came forward! WHY?

Their most recent wage garnishment request came with no questionares regarding income or budget expenses beforehand, ,just out of blue, after years of hearing nothing from them., which created quite the embarrassment with my peers at work.

This has gone on to long Where are the statements that show? Why do they ignore my requests? 15 years these snakes are allowed to play t
his game with me.

Capital Alliance can now contact my lawyer with any further correspondence and wage garnishment will not proceed. 
XXXX XXXX XXXX XXXX
Product: Mortgage

XX/XX/year> Sent a notice of rescission based on fraud, deception and extortion. I sent it via US mail service. I'm exercising My right for rescission of the mortgage corporation. 
I will attach the letter I've sent them with my explanation, with all the title codes and UCC codes. 
The amount would be how much money they made off of my promissory note and deed of trust, which is 10 times the amount of the asset on the deed.
Product: Checking or savings account

I deposited two checks into an ATM from my employer today, XX/XX/XXXX. One check was for {$54.00} and the other for XXXX and cents. After the checks were deposited, I received a message from the ATM telling me that my {$2100.00} check was on HOLD. I quickly went into the branch to ask that I get my check returned to me and to question why my check is on HOLD if my account is current and I have been a member for years. I was told that the Branch has " NO '' ACCESS TO THE ATM '' S machines outside of the bank and I would have to call a 1800 #. This is ridiculous. So, I asked that I wanted my checks back and how is it that the branch does NOT have access of the ATM 's sitting outside of the branch clearly labeled " Bank of America '' .. I assume that the correlation has some relation to the Branch that is attached too. I asked to speak with a manger, I did and I was told they couldn't help me. So, here I am, a single mother with a {$2100.00} check, I need gas, groceries, I need to pay my bills and the bank has held my check " hostage '' because the check from my employer was needing to be verified. The verification of the check is NOT a problem, BUT the fact that the branch is not able to return my check is major problem to me. I am a single mom and no way to feed my child or put gas in my car SIMPLY because my BANK OF AMERICA.. ATM machine has kept my check, did not tell me in advance it was going to place it on hold or that the Branch has no correlation with the ATM 's machine 's outside of their XXXX, TX Branch on XXXX XXXX . I work with policies and procedures with Banking, I asked to see the bank 's disclosures and wanted to know where in the disclosures does it make me aware that if I deposit checks into the banks and a hard hold is placed on the account for a certain amount of time, that my check is not able to be returned to me .. so I can make other alternatives to myself. For now, I am held HOSTAGE by Bank of America for food, gas and any living expenses I have until first, the Check can bee seen ( because they can't see the check that was deposited ) and two wait until they can actually help me! This is absolutely ridiculous. I was provided with the XX/XX/XXXX Disclosures for the bank, I was told to read page 30-33 and I said " I must be stupid, because it surely does NOT disclose to me that the branch can not access the ATM, can not see the checks that I deposit, etc. " ..I said, this is exactly why Banks get sued, because we the consumers are NOT told or made aware of XXXX like this. So, for now, I have no money, they can't give me my check and I'm left to figure life on my own for the next two weeks.. until my check clears. Please call me or assist me with this issue, my name is XXXX XXXX and I can be reached at XXXX ; email ; XXXX. 

Thank you. 

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

I have made sure to make my payments on time for MERCEDES BENZ FINANCIA XXXX. This account should not have a late payment status in my record. Make sure to provide me with any documentation about the late payments being done in the months indicated in the report.
Product: Credit card

I have received an email promotion from XXXX about a credit card that can give few benefits with XXXX XXXX, this card is issued by Barlays bank. more details XXXX XXXX XXXX. Considering the benefits I have decided to apply for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX and same was approved. I have paid my annual fees of XXXXusd for the same Post the card approval and received i did booked the tickets using the card for international travel one one the travel was on XX/XX/XXXX from XXXX XXXX XXXX and return on XX/XX/XXXX. 

One of the key point ( first main point ) that made me to apply for this card was " - As a primary XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX holder, you will enjoy XXXX  tier status for 12 months from the card account open date. '' considering the above statement, i should be getting XXXX  tier benefits starting XX/XX/XXXX However later, I realized that for my travel on XX/XX/XXXX i am not able to get those benefits even though the card is open 6-7 weeks earlier. when i reached the bank and XXXX  both points me to another point in that page listed way below " The XXXX tier status can take up to 8 weeks from the card account opening date to be reflected. '' I made clear to both that status reflecting is deferent from enjoying the benefits. if this is same your first statement of Opening date is misleading and kid of cheating customers to apply and pay card fees with out giving them benefits for 12 months. Its been almost 2 week no one want to take ownership of this issue leading my frustration. 

Later on XX/XX/XXXX XXXX XXXX in a email said below *To clarify the miles are credited by the bank, and the status is also updated by them. I do see some of miles credited to your family group, we have no access to your card spend so we rely on the bank to add the miles. 


As for the Tier upgrade, we have not received a request from the bank, we will not be able to assist unless the bank contacts us. I do understand it may show on your statement but for us, it is the bank who should make this request. * When talked to bank they are saying they cant do any thing it is with XXXX
Product: Credit reporting or other personal consumer reports

THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT INACCURATE.FRAUD. I DID NOT GIVE MY PERMISSION TO REPORT THIS ACCOUNT AND NELNET IS IN VIOLATION OF THE FAMILY AND EDUCATION PRIVACY ACT of 1974, Fair Credit Reporting Act, as I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experians dispute department on Monday, XX/XX/2023, on or around XXXX P.M. XXXX. After a long hold, I got to an agent who identified as XXXX. He informed me he was a supervisor and located in XXXX XXXX. I told XXXX I need to file a fraud dispute and that I dont want a fraud alert. There is a fraudulent collection account on my credit report. XXXX refused to transfer me to the fraud department unless he verified my personal information ( name, address, date of birth, social, etc ). I refused and asked XXXX a second time to please transfer me to the fraud department. XXXX refused again. I asked XXXX XXXX times to transfer me to fraud so I can file a fraud dispute. He continued to refuse then he deliberately disconnected the phone while I was speaking. I never used any profanity. This is egregious. Experian needs to terminate this rude employee. As a result, I was unable to file a fraud dispute over the phone. This violates federal and state law which gives me the right to dispute inaccurate information on my credit file. XXXX behavior was unacceptable and unprofessional.