23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I'm no longer a customer with Wells Fargo, as I was able to refinance with another lender but I wanted to file a complaint against the company on how they handled the situation. 

There was a short period where I fell behind on payments and Wells Fargo converted my traditional 30-year mortgage to a 50-year load modified mortgage where I was basically paying interest. After paying mortgage payments for 2+ years, I was noticing that my payments were not even impacting the principal. I felt like Wells Fargo placed me in a very unhealthy mortgage loan, and felt that I was scammed. I would like this to be reviewed in detail and see if what Wells Fargo did was unethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

In or about XX/XX/XXXX Amazon Synchrony Bank opened a fraudulent account without my permission. Credit bureaus XXXX and XXXX  were notified promptly, and immediately removed the fraud credit card & reporting from my account. However. XXXX  visibly removed it from the online reporting and on XX/XX/XXXX I was informed by an XXXX  Representative that, a late payment from Amazon Synchrony Bank appears on my Credit Report as 60-90 days late. As a result of this malicious, retaliated actions of XXXX, 2 of my credit accounts limits were decreased. Now as a result of XXXX  fraudulent actions I have to monitor my credit reporting daily.
Product: Money transfers

I transferred {$5000.00} to XXXX of which banks with XXXX XXXX. I was charged a {$25.00} wire fee from my bank for the transfer. However, the trade station employee sent me an email stating, " If the bank charges you a fee for the wire, let me know and we will credit that amount back to your account. '' This has not been done and I am now wanting to cancel my account with them after two weeks. In addition, I now come to find out they are going to minus {$25.00} from my account to send me a wire back to my bank. There 's no such policy in writing stating that this is the only option to get my money back. It gives me an option on their website stating you can " Wire Transfer, {$25.00} '' or " Request a Check, Free, '' but they will not send out a free check, because their " Internal Policy. '' This is illegal. I spoke to " XXXX '' the supervisor and he stated, my concern is not written publicly anywhere, but that they will not give me back my money I sent them -- in full. I am requesting a check which is free for them to send and they will not send me one, because of " internal policy rules. '' I want my money in full, and I want it now ; so they need to figure out how that can be done. I also want the {$25.00} ( of which is in writing ) credited back to my account and a check or wire for the amount of {$5000.00}. There 's no written public information to justify what they are saying. They are only willing to send me {$4900.00} back of my {$5000.00} I sent them and there 's no way around this unlawful practice. What they are stating is not in any contract I signed or a public policy. When I informed XXXX that this is not stated anywhere he said, " yes it does n't say that anywhere, but it 's in our internal policy. '' Does this mean that everyone can have some internal policy that rips off the client and that 's justifiable? My next action is to charge them interest on my money for how long it takes for them to get my money back to me, because I would be making interest on my money through my bank.
Product: Debt collection

XXXX XXXX, i sent my final letter TO MERCHANT ADJUSTMENT SERVICES about some alleged debts of :107,107, and 155 that i don't owe. I have disputed asking for the validity of the debts at hand and they have not responded to my request within the 30 days.national credit adjusters sent me a document in the mail claiming that i owe a debt. on XX/XX/2021, i sent them a letter usps certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX requesting the validity of the total alleged debts of {$360.00}. they have violated my rights as a consumer. Pursuant to the FDCPA specifically 15 USC 1692g, it states ; Within 5 days after the initial communication with a consumer in connection with the collection of any debt, a debt collector SHALL unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing. ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed, ( 3 ) a statement that unless the consumer, within 30 days, after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within 30 day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumer 's request within the 30 day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor, MERCHANT ADJUSTMENT SERVICES has failed 3-5 and therefore, is in violation of the law. not only did they not include it in the initial communication, they failed to send it within 5 days.
Product: Credit reporting or other personal consumer reports

I have fraudulent accounts and history that I have been trying to resolve for years, nobody listens to me, somebody used my information to obtain these credits, and yes it was my mistake not to look after my credit report for a very long time, but I want to take care of it finally. I have these accounts on my XXXX credit report that HAVE NEVER belonged to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX in response to the Equifax hack I attempted to put a security freeze at all XXXX credit reporting services. When i tried to do that online at Transunion they said I had to create an account or sign in. I tried to create an account but the computer said I already had an account. This is possibly from about 15 years ago when i tried to fix an error on my report. 

I have no idea what the password or username would be so I tried to retrieve them. The the computer gave me the message that it could n't get the account info and was unable to complete the request. 

I finally had some time today XXXX XXXX XXXX, XXXX XXXX to try again. I called XXXX, waited on hold and was finally connected. The person told me I had to call XXXX XXXX at XXXX. I called and was placed on hold. The person told me I had to call the XXXX XXXX XXXX XXXX at XXXX I called that number and the robot gave me options none of which was to talk to a live person and none of the options was for what I needed. It was all robots. 

I called XXXX again, was placed on hold and they again told me I had to call the XXXX number. When I told them I was unable to talk to a live person they said I had to call that number. I talked to a supervisor and he said he had no information about that department and could not help me but I had to call that number to resolve my problem. 

Unbelievable/ frustrating! I gave up and am writing this. 

I had the same problem with the XXXX other credit reporting companies. I could get into their websites because they said I had an existing account but could not tell me the XXXX or XXXX.
Product: Debt collection

On XX/XX/XXXX I made a payment of prepayment of the coming bill due. I switched to XXXX on XX/XX/XXXX. XXXX sent me a bill for XXXX dollars for billing for XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX to XX/XX/XXXX. 

I canceled my service on XX/XX/XXXX with XXXX. 
I have proof of this. Yet they refuse to adjust the bill and now a debt collector has called me in regard to this Fraud bill
Product: Debt collection

I acquired a HELOC which is currently being serviced by Real Time Resolutions. Since I have been with them, they have given me the run around, escalated the remaining amount due, won't validate how they acquired the accounting, given me different people to talk to who had no knowledge of my situation & harassed me with constant phone calls. The loan amount originally locked at $ XXXX & from the time they assumed it, they claimed the balance is {$100000.00} the previous services had a balance of approximately {$35000.00}! I had been paying the previous servicers & experienced financial hardships. We were to execute a Temporary Payment Arrangement, there was to be no interest accrued. I payed the required amount and additional payments thereafter, while continuing to ask them to show proof of their outrageous balance. The TPA was never honored correctly because they continued to show interest accrual, they never documented the payments on the statements so I retained legal assistance to investigate with the documents that I had in my possession. I have names of persons that I had spoken to, notes & dated documentation. Then Real Time became predatory and sent out a letter of threat to foreclose on my property, even though they have 2nd position! My legal aid had corresponded with them since last year, XX/XX/XXXX with only the same run around. They stated in a letter dated XX/XX/XXXX, that the loan matured XXXX but had not sent me a letter of intent until XX/XX/XXXX after the mature date. Then they filed a Default with intent to sell my property XX/XX/XXXX but did not mail out the Notice to me until XX/XX/XXXX per the post mark date & I didn't receive the notices until the first week of XXXX! I started getting phone calls & text messages from investors & realtors to purchase my home that is how I found out. So to date, Real Time HAS NOT complied with the 3rd party authorizations to give up any information regarding their accounting. I had been doing constant research calling various agencies to help me & my family with this nightmare problem, & I came across the HUD Agency USA Homeownership Foundation who immediately started working with me to help as the tentative sale date is XX/XX/XXXX. Please Help, Your assistance with this urgent matter is genuinely appreciated. Thank you.
Product: Debt collection

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your  authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Debt collection

Transworld XXXX submitted a collection to my credit, stating I owe XXXX to XXXX XXXX. XXXX XXXX has no recollection or proof of previous charges, as I am currently a customer of theirs, so the debt is for sure not mine! Transworld couldnt tell me my information and was unable to give me the account information from the original creditor or the letter!
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These hard inquiries are the results of identity theft and fraud.
Product: Vehicle loan or lease

When I traded the truck. The dealer got the payoff and paid it. Well fargo sent me a bill and put it on my credit report in collections for years. I had to pay credit repair company to finally get it off. I bought the truck in XXXX from XXXX XXXX in XXXX mi. I traded it in XXXX in XXXX of XXXX at XXXX XXXX in XXXX Michigan.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 I have several student loans accounts with XXXX all have different ages, and all have different reports of last activity as well as they have different dates of last activity, these accounts report different account numbers across the bureaus. 

These student loan accounts can't be made sense of because these accounts report on my credit as open, however when i called XXXX they've told me that these accounts have been sold to another company, and nobody at navient is able to assist me with getting proper information on my accounts. 

The company also states that they no longer service student loans, essentially this company is reporting misinformation with no recourse as to how to correct it.
Product: Credit reporting

I am a subscriber to all XXXX agencies, and Equifax has continually and repeatedly investigated and returned results that are proven to be inaccurate. I have disputed credit inquiries to Equifax resulting from an auto dealership submitting my information to XXXX banks without my authorization or approval. Each time, Equifax allows me to either enter that the inquires are " unauthorized '' or " fraudulent ''. Within a day or so, they come back and tell me that they 've verified the information is correct. I 've also tried to contact them directly, with Managers & Supervisors in the dispute department telling me to contact each of the creditors direction and ask them to remove the item. I 've done that, but it 's almost impossible to get any of these creditors to even acknowledge they had a form submitted in my name, much less - they wo n't admit to any wrong doing, since the request came from a car dealership and they think it 's legitimate. I 've contacted the dealership that sent out my credit file by mistake and they 've provided a letter back to me asking & authorizing for the removal of all entries associated with their dealership on XXXX/XXXX/2014. I 've provided that letter to Equifax and they still refuse to remove the fraudulent and unauthorized inquiries. I 'm out of options and I can not think of anything else I can do other than seek legal action against Equifax until this is resolved. In addition, this company has me doing work and effort to correct mistakes that have been already admitted to by the dealership that did the damage. This is effecting my credit score and I need help getting this corrected as quickly as possible.
Product: Money transfer, virtual currency, or money service

I XXXX XXXX XXXX XXXX ) Universal agent, on the Behalf, of the Private Trust XXXX XXXX XXXX, of XXXX XXXX XXXX XXXX XXXX XXXX POA at fact of Trust of ; the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Trust.. Account of XXXXusing enforce compliance in the process because I XXXX XXXX XXXX deposit the amount of {$80.00} XXXX XXXX Dollars / XXXX notes on the date of XXXX XXXX have I state of Good faith of Credit Lawfully too XXXX of the company because the XXXX XXXX wasn't in.. at location XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX location and affidavit to the XXXX XXXX XXXX XXXX XXXX. Statement of good faith of Credit by XXXX XXXX XXXX Laws as called AntiTrust Rights .. please contact them I as parts of The Federal Reserve authorized to use navigation of authority by treaties ARTICLE 6 of The Constitution,,, enforcing... Article 39 of the declaration of indigenous right..
Product: Credit reporting

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to ... '' promptly delete all information that can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

The consumer reporting company isn't following 15 USC section 1681a. in regards to all my accts my transaction and experiences are being reported. Which that is what the laws says so I want each and every acct to report excluding all transaction and experiences on my consumer report.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

Experian : XXXX, Account number XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX Account number XXXX XXXX : XXXX, Account number XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Debt collection

I previously instructed XXXX to discontinue communications with me in all shape, manner and/or form. Recently XXXX representatives have begun contacting me regarding information I sent to the CEO 's Office. I have not communicated and/or forwarded information to the CEO 's office since I instructed XXXX to cease and desist. They in turn have begun calling and sending emails and XXXX Message notices. This is in strict violation of the cease and desist. Additionally, XXXX sold the alleged credti card debt to the Northland Group who in turn have been contacting me. Due to this transaction, XXXX does not even have standing and/or an interest basis to be contacting me except to harass. I provided the Northland Groupd an opportunity to provide me strict proof of any debt obligation related to the credit card debt they are seeking to collect but they failed to so so. As a result, I have also ordered the Northland Group to cease an desist in all forms of communications. The correspondence ( s ) are attached.
Product: Mortgage

In XXXX I opened up a line of credit with PNC Bank in the amount of {$50000.00}. In XXXX, PNC bank decided to force me to close out my line of credit and that I had to pay off the loan balance otherwise they would foreclose my collateral real estate holding. My credit was not very good since I just got out of a bad business where I was using the line of credit to operate a failing business. PNC bank knew I was in trouble with my business and they will no longer wanted to keep the line of credit opened. I told them that I only had another six to twelve months on a fraud legal case and that if I settle I could pay off the line of credit. I asked them to leave the line of credit as current as I was willing to pay the interests and some principle until the court case is either settle or complete. However, PNC bank insisted that I must move it to a mortgage type loan and that they would charge me pre-payment penalty if I did settle with the other party and payoff the loan before mature date XXXX/XXXX/XXXX. I told them that I did not want to open a new loan with pre-payment penalty knowing that I would have the funds to pay off the loan once I settle with the court case. However, PNC bank said that if I did not have the funds to pay off the line of credit that I would lose my Real Estate collateral and that I must apply for the new loan and pay the pre payment penalty. I had a very lengthy discussion with the loan officer at PNC bank about the new loan PNC wanted me to do. Therefore, PNC Bank had not really giving me any choice but to sign the line of credit into a loan with pre payment penalty. 
On XXXX XXXX, XXXX, I was able to pay the loan off with the settlement money. I paid {$38000.00} leaving a balance of around {$3000.00} to pay off. PNC bank was still enforcing me to pay the pre-payment penalty after I told them that I was not employed and money was tight. 
On XXXX XXXX, XXXX, I was working with XXXX XXXX an executive Client Relations Specialist to try and help me with my situation. I asked her if they could eliminate or reduce the pre-payment penalty and that I could pay off the loan completely since I currently do not have a job and money is very tight. She said there was nothing she could do to remove or reduce the pre-payment penalty. 
On XXXX XXXX, XXXX, they have send me a letter demanding that I pay them the pre-payment penalty otherwise they will either foreclose on the collateral or place a lien on the property. 
I believed that PNC bank knew my situation and basically forced me into moving the line of credit into a loan that has pre-payment penalty knowing that I would settle my court case to pay off the loan or if I did not settle, they would foreclose on the property. I believe this is unfair since they also knew that I was financially in trouble and my credit was not very good to get a standard loan to payoff my line of credit. They knew I was cornered and that I had no choice but to get into a loan where they forced me to pay the pre-payment penalty.
Product: Debt collection

XXXX XXXX XXXX, XXXX now XXXX XXXX XXXX, XXXX ( California Secretary of State Organization Control Identification Number XXXX ) has misrepresented facts pertaining to its business as a real estate purchaser when in fact it is a debt collector and purchaser of unsecured legacy assets that are intangible. 
XXXX alleged it purchased a Deed of Trust lien on real property on XX/XX/2014 from trustee XXXX XXXX XXXX XXXX XXXX acting under Deed of Trust number XXXX XXXX, however, the purported beneficiary OCWEN LOAN SERVICING , LLC has confirmed that the proceeds from the foreclosure sale was not received. Require XXXX XXXX XXXX, XXXX to produce proof of payment made to the trustee or other party. Provide a readable copy of the check both front and back ensuring the account numbers, names, dates are visible. 

Require XXXX XXXX XXXX, XXXX to describe the foreclosure sale it was involved in : 1 ) A non judicial foreclosure sale ; or 2 ) Judicial Foreclosure Sale. Respond in kind.
Product: Mortgage

I wanted to change my pay date because my pay date change, I was denied to change the pay date. I was also denied to do a deferment when I lost my Job. They would also threaten me with foreclosure when I was a week or 2 late, they would talk very nasty to me, as they wanted me to lose my house. They would send a letter to offer alternatives, but when you call in, there was not any alternatives. They denied help with South Carolina Help, a mortgage relief program that assisted in paying mortgage payments if you were behind, which was terrible as they wanted to foreclose.I mailed them a check at one time, they told me that they had not receive the check They took the check and paid someone else mortgage. I had to make another payment on the payment that I had already made. This financial institution is terrible, they would not offer any hardship alternatives and does not need to do mortgages. They way my mortgage was sit up, it would never go down.