23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX complaint filed XX/XX/XXXX with CFPBFYI CFPB : I recently learned of fraud, concealment and non-disclosure at my home loan closing. 
So per recent legal education and opinions to borrowers, I sent certified USPS a letter of loan rescission XX/XX/XXXX to Chase/XXXX al which was received XX/XX/XXXX. 
Chase/XXXX al had XXXX days to file legal action to challenge the rescission or vacate it legally. 
Chase/XXXX al did not do so within XXXX days per TILA, thereby losing all rights and interest, plus the note and deed ( mortgage ) now being null and void as of XXXX or XX/XX/XXXX. 
I sent chase a demand letter XX/XX/XXXX to do per TILA send me the cancelled note, record in the land records a satisfaction of deed of trust and to refund all monies paid by me at closing and my regular monthly payments. 
Chase did not, so on XX/XX/XXXX I retained a local consumer advocate attorney to:1. XXXX send a courtesy demand letter to Chase to abide by TILA law and do the above requested in the XX/XX/XXXX demand letter. This was sent by my attorney to Chase XX/XX/XXXX. 
2. Then, after retaining a nationally known consulting attorney and expert witness on TILA to discuss with my local attorney, I sent to Chase/XXXX al a corrected rescission letter certified USPS on XX/XX/XXXX of the original XX/XX/XXXX letter ( sent without counsel ). 
3. Next, the same day, I recorded the corrected rescission letter of XX/XX/XXXX on XX/XX/XXXX in the XXXX County, Colorado land records as constructive notice to the world on the status of my property/home v. stopping Chase trying to get another free home - not me trying to get another free home - after XXXX rejected by Chase United States government loan modification programs via HAMP and HARP. Meaning Chase does not have jurisdiction or standing to do a loan modification without committing more mortgage fraud let alone foreclose stealing another home from a borrower and the investors conned by XXXX. 
4. So, I am seeking support from CFPB in my planned complaint to file soon with my local attorney in either the XXXX of Colorado or XXXX County District Court - whichever is best for basic TILA enforcement by the COURTS/JUDGES for the borrower & gt ; not the banksters & gt ; which in my state of Colorado lobbied with grease our illegal " Rule XXXX '' kangaroo court foreclosure process with no due process rights.. Which was part of the cause of the CRASH of XX/XX/XXXX and the CRASH of XX/XX/XXXX happening XX/XX/XXXX the past XXXX days.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate Credit Reporting and Notice of Statutory Damages Dear [ ExperianXXXX ] XXXX am writing to formally request that my address be updated in your records to : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX I request that all other addresses currently associated with my credit file that are not accurate or current be removed. These addresses are outdated and no longer relevant to my financial profile. Also I am writing to formally dispute inaccurate information on my credit report that has caused significant harm to my creditworthiness. The CFPB lawsuits against Experian and XXXX highlight the requirement for credit reporting agencies to ensure the highest level of accuracy in the data they report. As per the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), you are required to maintain complete, accurate, and verifiable information on consumer credit files. 

I have identified several errors and inaccuracies on my credit report that have not been properly investigated despite previous disputes. These errors include ( but are not limited to ) : Charged-off accounts * inquiries that are unverifiable or inaccurate. 
Items reported that do not reflect the most accurate information available. 
Specific items : Experian : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Your failure to investigate and correct these inaccuracies is a direct violation of the FCRA and has caused financial harm, including lower credit scores and denial of credit opportunities. According to Section 1681n of the FCRA, I am entitled to statutory damages for your willful noncompliance with the law.
Product: Credit card

I applied for a Cerulean Credit Card through continental finance. I was pre-approved for a {$1000.00} credit limit and I needed to provide the documents verifying my identity. I had provided all the documents that were requested from me. I then called to verify they received the information. The first agent I spoke with advised I needed to reapply. So I did, the application was denied due to a duplicate application in process. So I called back to continental finance to speak with an agent again. They had advised that the previous rep was incorrect and I did not have to re-apply because I still had the original application in process. I verified they received my information that was uploaded to their website. They advised I needed what for the back office to get me a decision. I waited a few weeks then decided to call back. They advised that the back office was still waiting for the decision. I waited an additional week then called back a XXXX time and was told the application had expired and I need to reapply. They advised that I did not send in all the requested information which was incorrect. I asked to speak with a manager. The manager verified I sent all the documents and they stated they will look into it and see if they can get a decision. I never received a call back from a single person and never received a decision on my original application. No letter or verbal communication. I have only been told to just reapply. I most recently called on XX/XX/23 and was told they are still waiting on a decision. This bank has clearly dropped the ball and has not given a decision within the 30 day requirement.
Product: Mortgage

In XXXX we refinanced our mortgage with JP Morgan Chase. At the time they were offering a XXXX % cash back program if you agreed to have your monthly mortgage payment withdrawn from your Chase checking account. We already had a checking account with Chase so we signed up. As promised, every year around XXXX we would receive our cash-back bonus deposited into our checking account that is until this year. In XXXX XXXX we sold our home and paid off our mortgage with Chase. At the time we had somewhere in the neighborhood of {$70.00} or {$80.00} in our cashback rewards account. After waiting for over 5 weeks I started trying to contact Chase through the secure message system online. Each time my message would not go through so I finally called them. The girl that I spoke with had me on hold for quite some time then indicated she needed to research the issue and call me back. She called back and indicated that since our mortgage was paid off we are not entitled to our cashback rewards. I was shocked, we upheld our end of the agreement guaranteeing them payment each month through automatic withdrawal so I asked her for a copy of the terms of the agreement that state we are not entitled to the cashback if the account is paid it full prior to the rewards anniversary date. She said that it was not included in the terms and conditions but if I disagreed with their position I could fax a letter to their research department. I will be faxing said a letter and in it I will again request a copy of the terms and conditions that state that I am not entitled to my cash back reward. I wanted to see if you had received any other complaints from consumers on this issue. I tried researching it on the internet but was unable to find anything specific to this issue.
Product: Student loan

I visited the XXXX XXXX XXXX website over a month ago to get an interest statement. I also learned that my payment amount was increasing. While on the website I went to the manage repayment section to see about getting assistance or learn why the amount had increased. I contacted the office and they explained that due to a program I was on it has now expired that my payment increased. Not sure what program that was, they would never say. I asked how to lower the payment back down and they stated they would research. I received an email that my case was still under research a month later. I still have not heard back from the servicer regarding my request. Because I had not heard back regarding the amount, I checked my account to see what was charged and I noticed that XXXX payment had not cleared my account ( this payment is on auto debit and has been for years ). Today I check my account and learned that the servicer has debited my account {$480.00} without any notice to me of doing so causing my account to be overdrawn. I still have yet to hear from them regarding the payment amount increase. I tried calling their office today but learned that they are temporally closed through the automated system. I consider this transaction to be unfair. Im trying to get assistance to lower and not only am I double charged for their error, I have a much higher amount. If they were going to debit my account in that amount I should have been made aware of the charges. I dont have that amount of money to pay at one time for a loan that doesnt even pay down the principal!!! I want one of the payments refunded. I agreed for the monthly amount to debit on a certain date. It was their error for it not to debit. I also would like to know where that status of my request for lowering the payment stands.
Product: Credit reporting or other personal consumer reports

XX/XX/year>. Found inquiry from Company called XXXX XXXX XXXX  XXXX, i called the company to remove this inquiry and that i have nothing to do with them. 
They said they will remove that by contacting the 3 bureas and take the inquiries off, i never heard back from them. 
So far its been almost YEAR. And nothing happened. And no one even try to contact me.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my FIFTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite four previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/2020 Balance : {$8300.00}.
Product: Mortgage

I would like Well Fargo to explain to me why they have XXXX different prices for my home. This process has been on going for months. I believe they are stalling so that the XXXX HAFA incentive will no longer be applicable. The HAFA incentive expires at the end of this year. 
Here are the conflicting emails : From : XXXXXXXXXXXX Sent : Wed XX/XX/XXXX XXXX To : XXXXXXXXXXXX Subject : RE : XXXX XXXX XXXX XXXX XXXX We have received the appraisal and the adjusted counter amount is to a purchase price of {$730000.00}. Please submit the buyer 's highest and best offer by the end of this week. 
*** Please fax all documents to XXXX and ensure that the borrower 's loan number is included with your submission. *** Thanks, XXXX XXXX Loan Adjustor -HAFA Negotiator Default Decisioning | Short Sales - Private | XXXX XXXX | XXXX XXXX , IA XXXX XXXX XXXX XXXXXXXXXXXX Hello XXXX, I have received the following email from WF today : A review of this file has completed and a Notice of Short Sale has been issued. If you obtain a new offer meeting the required minimum net proceeds as shown in the Notification of Short Sale ( NOSS ) agreement, please submit the fully executed purchase agreement and HUD-1 in order to continue the review. 

LIST PRICE GUIDANCE : {$760000.00} NOSS EXPIRATION DATE : XXXX/XXXX/XXXX Any short sale offer may require Investor or Mortgage Insurer approval. 
In order to move forward with the short sale process, a new offer meeting the required MNSP must be received by the expiration of the NOSS. 
Please fax all offer documents into XXXX and ensure the borrower 's loan number is included with your submission. 

Wells Fargo has shown us all how corrupt they are. When is something going to be done about it??? I have a payoff number. Why does Wells Fargo just use that?? They are insisting on a higher payment. Why?? Who is that going to benefit?? Wells Fargo has supposedly has been given XXXX dollars from out government to HELP- So far I have received NONE. What are they doing with all that money??? 
I am a victim of the XX/XX/XXXX pick a payment predatory loans. After almost 10 years of mortgage payments my loan is now more then XXXX over what the original loan was back in XX/XX/XXXX. 
I was denied modification and any help back in XX/XX/XXXX/XX/XX/XXXX when I was struggling with the balloning monthly mortgage payments. I want justice and I want it NOW!!!
Product: Vehicle loan or lease

On XX/XX/XXXX I financed my used car through Lexus Financial Services. As you can see in the letter attached, dated XX/XX/XXXX, Lexus Financial Services confirmed payoff of loan and stated the following in regards to my title, " At this time, we have not yet received the Certificate of Title or lien from the vehicle titling agency where the application was filed. Once we receive the document ( s ), we will forward it to you ''. Of note, I also paid Lexus of XXXX, where I purchased my car, to coordinate the registration and transfer of my title, registration and license fees have not been provided.

Now, 8 weeks later, I have not received the promised documentation from Lexus Financial Services and they are unable or unwilling to tell me the location and status of my title.

Lexus of XXXX 's staff informed me on XX/XX/XXXX that they paid Maryland 's DMV for my vehicle 's registration., I followed up, in person, with the State of Maryland DMV on XX/XX/XXXX to confirm this, and was told that the Department had not received payment nor other documentation for the registration from Lexus. 

On XX/XX/XXXX, I received a second notice ( see attachment ) from my current lien holder, the XXXX XXXX XXXX XXXX, notifying me that they have not received the Certificate of Title. Furthermore, the XXXX XXXX XXXX XXXX staff notified me via telephone that I am at " risk of defaulting '' on the loan, because they have not received the title certificate. 

I also called Lexus Financial Services, most recently on XX/XX/XXXX and they confirmed that this title was sent to me, but as of XX/XX/XXXX I have not received it. 

So, neither my current lien holder, the XXXX XXXX XXXX XXXX, nor the State of Maryland, where my vehicle is currently registered have received the vehicle title from Lexus of XXXX or from Lexus Financial Sevices ( this after waiting two months and making multiple requests ).

Please help me secure my Title information. 

Thank you.
Product: Credit reporting or other personal consumer reports

Transunion is violating my consumer rights. They are fraudulently letting XXXX, management number XXXX report a fraudulent account on my credit profile. I have never heard of this company, nor should they have any information of mine. I was suspicious so I looked this company up on my Secretary of State website and seen that they aren't licensed to do business/collect a debt in my state. They are illegally doing business in Michigan. I'm asking you to enforce to enforce the laws on Transunion for failure to investigate as I'm a federally protected consumer. I will also be reporting both Transunion and XXXX to the IRS filling out form XXXX A information referral for unreported income since Transunion gets paid from this company and this company isn't licensed to do business in my state, leads me to believe they are exporting people for money and not reporting it to the IRS . I will also be reporting both companies to the Attorney General and XXXX XXXX XXXX. I attached proof that XXXX isn't allowed to do business in my state. If the account isn't removed in 30 days, I'll also be filing the attached forms to sue both companies for defamation of character. They are making me look noncreditworthy to other lender and I have been denied credit due to this matter. It has caused me great emotional distress and my doctor has prescribed me XXXX  because I haven't been able to sleep at night due to the financial and emotional harm these two companies have caused. I know that XXXX pays Transunion to report inaccurate information and Transunion refused to give me a fair investigation for their financial gain.
Product: Mortgage

Home Point Financial has allowed my homeowner 's insurance policy to lapse twice in two years through their failing to issue payments, despite my repeated attempts to supply their escrow department with the policy information requested. 

Unfortunately, the email address previously used to correspond with my insurer and the mortgagee is now defunct, but my insurer was able to provide email correspondence from XX/XX/2022 where I reached out to Home Point with them cc 'd, and I know there were other attempts to contact them, including emails and at least one phone call with a Home Point representative in which I was assured that the policy information had been received so that payment could be issued. I am sure Home Point will be able to find their own records of any of these and other relevant communications if they are so inclined. 

Despite having an entire escrow department, Home Point Financial has failed in subsequent years to keep my insurance policy active, seemingly in spite of my efforts to make sure they have the information they should be able to get on their own. They have issued yet another notice to me that they are going to put a forced-place policy on my house, in total disregard of the fact that it is their fault my policy lapsed. This has caused my quoted premium to increase, and obviously has caused a level of distress from not having the most important asset of my financial life protected.
Product: Credit reporting

A credit was ran on me through a credit union on XXXX2017 I have neither gave permission nor did I apply for any loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$170.00} XXXX XXXX  ( OriginalCreditor : 12 XXXX XXXX XXXX XXXX XXXX XXXX XXXXBalance : {$750.00} XXXX  XXXX Balance : {$780.00} XXXX XXXX XXXX Balance : {$600.00} XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXXBankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX
Product: Checking or savings account

For the past few months Ive been constantly lied to by PNC Bank in reference to closing the Money Market Account with a zero balance that was put on hold due to PNCs Imaginary fraud games. So a new account was open now all of a sudden there are some unsettled disputes on that account. And I called in on Sunday XXXX to discuss this matter. However someone from a third world country acting as a call representative to whom once again dont know in the world of a basic customer service need. I then gets transferred to a U.S. Live Agent to whom played games by claiming that she needed various verifications. However my password was presented in which by PNCs own admission is valid. Then Im asked to verify a texted password and Im asked questions about the dispute and then Im asked for my address and phone number in which is totally ridiculous games. So please investigate these con artists to whom are using spiteful tactics because theyre being investigated for fraud concerning my late mother XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

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

I have been contacting Transunion in regards to my credit score and information in my credit report that does not match with the other bureaus. I have accounts that are reporting on the other bureaus but not on Transunion.
Product: Credit card or prepaid card

opened an account with wells fargo and notice lately they have the delaying the processing of the charges to confuse with the balance and become victim of fees, the account was assessed and insufficient charge {$35.00} today XX/XX/2017 and even I deposited the amount to cover the overdrawn which took 4 days to appear {$80.00} but made on the XX/XX/XXXX. I never sign for overdraft protection for this account and in the past when no funds available just do n't pay it. now somehow with the fraudulent staff they have they have turned on the overdraft protection on the account without my consent. and now they are charging the insufficient funds. 
I have tried to send the mails through their mobile website and it freezes when filling the form and when hitting the send button nothing happens, I feel I am being victim of fraudulent tactics by this bank to hurt my credit and profit illegally from me. 
I want to close this account and the insufficient charge reversed. 

Sincerely, XXXX XXXX