23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

RE : Complaint about ( SPS ) Select Portfolio Servicing Property : XXXX XXXX XXXX XXXX XXXX XXXX Enclosed Attachments : Supporting Complaint Documents and Proof This complaint refers to the Closing of my property at XXXX XXXX XXXX XXXX XXXX XXXX which occurred on XX/XX/year>. I was given a XXXX XXXX in the amount of {$140000.00} on XX/XX/year> ( see attached ). This Payoff was until XX/XX/year>. 

I Closed on the property on XX/XX/year>, which was well within the time frame of the XXXX XXXX. XXXX ( XXXX ) checks were sent to Select Portfolio Servicing, XXXX, ( SPS ) heretofore referred to as ( SPS ), from the Closing Attorney and The XXXX XXXX XXXX and the total Payoff figure was {$140000.00}. Sometime after the Closing, I received a call from ( SPS ) stating that I owed them and additional {$800.00}. I then received another call from ( SPS ) stating that I owe over {$2000.00}. Both times I told them they would have to deal with my attorney. I called my attorney on both occasions and told him what had happened and asked him to call ( SPS ). My lawyer told me he had tried to call ( SPS ) and could not get through to them. I then called ( SPS ) and they told me on XX/XX/year>, to have my attorney call them and they would escalate the matter to the top management. During this call I was told that the matter had been turned over to an attorney, to the attorney named XXXX XXXX XXXX the next day. On XX/XX/year>, my attorney called me to say that ( SPS ) would not speak to them without my permission. He then made another call with me on the phone. This time we were told, my attorney had to fax in something with my signature giving him permission to talk for me. This was done ( see attached ) and we called again on XX/XX/year>. During this conversation, we were told that a new Closing XXXX had been issued on XX/XX/year>, 5 days after the original Closing took place. At no time when ( SPS ) was telling me that I owed {$800.00} plus, and then {$2000.00} plus ( see attached The Checks of {$140000.00} which were returned to me some time after these XXXX conversations ) did they tell me that a new Closing Statement had been done on XX/XX/year>. The first time I heard about this was during the conversation on XX/XX/year>, that a new Closing XXXX had been made on XX/XX/year>. ( XXXX XXXX XXXX is Attached ). I left the matter for my attorney to handle with the XXXX XXXX. 

I had another call from ( SPS ) on Thursday XX/XX/year>. I told the person who called me that they would have to speak to my attorney, that I had legitimately closed on XX/XX/year>, and I no longer wanted to deal with the matter. I was told the matter was now in the hands of an attorney ( see attached letter ).
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate Auto Loan Accounts Reported on My Credit Report Under the Fair Credit Reporting Act ( FCRA ) Dear Sir/Madam, I am writing to formally dispute the inaccurate reporting of auto loan accounts that appear on my credit report. These accounts do not belong to me and have been erroneously included in my credit file. The specific details of the disputed accounts are as follows : Creditor/Lender Name XXXX XXXX  Amount Reported : {$21000.00} Creditor/Lender Name : XXXX XXXX XXXX Amount Reported : {$10000.00} Nature of Dispute : These auto loan accounts do not belong to me and are being reported in error. 

Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ), I have the right to dispute inaccurate or incomplete information contained in my credit report, and the credit reporting agency is legally obligated to conduct a thorough and timely reinvestigation of the disputed information within 30 days of receiving this dispute notice. Additionally, under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy in the information they include in consumer reports. 

Given that these auto loan accounts do not belong to me, I demand that you initiate an immediate reinvestigation, contact the original creditor ( s ) for verification, and take corrective action by removing these inaccurate entries from my credit report. I have attached copies of relevant documents, including a copy of my credit report with the disputed information highlighted and a copy of my government-issued identification, to assist you in accurately identifying my account.

In accordance with FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if the reinvestigation does not substantiate the accuracy of the information, you are required to promptly delete or correct the disputed items. I also request that you provide me with a written response detailing the results of your investigation, along with an updated copy of my credit report once the inaccuracies have been addressed. 

Please be advised that failure to comply with the FCRA 's obligations may result in legal action to enforce my rights and seek any applicable remedies under federal law. 

Thank you for your immediate attention to this matter. I look forward to a swift resolution and the correction of my credit report. 

Sincerely, XXXX XXXX
Product: Student loan

I took out private loans through Sallie Mae for my XXXX XXXX at XXXX XXXX ( years attended XXXX ), owned by XXXX XXXX XXXXXXXX XXXX in XXXX XXXX XXXX California. I have been making monthly payments on these loans for well over a decade, have never defaulted, and have already paid beyond my original principal amount. I consolidated my loans through Navient in XXXX. Ive included my most recent XXXX ( formerly Navient XXXX ) statement. As you can see, these predatory loans have been hanging over my head for 20 years and will without relief despite recent court rulings continue for 20 more. 

As demonstrated in the recent XXXX XXXX XXXX ruling, the school I attended during the years I attended has been found guilty of misconduct ( listed on the For-Profit School List on the XXXX website ). My story is similar to many students in the same boat : we were given false promises by recruiters and suckered into high-interest private loans through Sallie Mae . At one point in XXXX or XXXX, Sallie Mae raised my interest rate to 14 % for the next trimester, telling me over the phone, Well, you can drop out, but you still owe us what youve taken out so far. I did not drop out. I graduated in XXXX of XXXXXXXX XXXX XXXX XXXX. Of course the promised job placement never occurred. I received no help from the school, and in fact also discovered that theyd lied about regional accreditation. In short, like so many victims of XXXX XXXX and XXXX, I was scammed. 

Of course, because I did not default, I have not qualified for any of the settlements or lawsuits that have come up over the years directly pertaining to my alma mater, my years of attendance, and my exact XXXXllie Mae loans. Recently, I was told I did not qualify for the Navient XXXX Multi-State Settlement precisely because I had not defaulted. Ive been lucky in that many student debt groups have popped up in the wake of the Sweet decision ( XXXX XXXX, by the way, graduated from XXXX XXXX XXXX years after I did, so our stories could not be more similar ), including the Project on Predatory Student Lending, with whom I have also shared my story. 

It was on the XXXX XXXX XXXX XXXX ( there are so many victims that we have multiple social media groups to keep each other abreast of the happenings ) run by XXXX XXXX that I first heard whispers of a pilot program to aid in discharging these predatory private loans, whispers that offered me the first faint glimmer of hope in 20 years. There is now established legal precedent that my school acting in conjunction with Sallie Mae ( Navient/Navient XXXX ) lied to XXXX deceived, and defrauded students. In my case, this debt has defined the last XXXX years of my life, and at XXXX XXXX XXXX and a college professor myself, I am still living in a small one-bedroom apartment, trying to survive month to month, while my top financial priority each month is my loan payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

My CBR is still showing my account was 150 days delinquent on XX/XX/XXXX. I have provided proof of payments thru XXXX of XXXX, which would not make the delinquency valid or possible. The lender has informed me they did not report negative information, but my CBR still remains reflective of bad history.
Product: Credit card

My Mom had an account with Wells Fargo. She passed away on XX/XX/year>. The account was deemed fraudulent by Wells Fargo and the account was flagged as fraud. Wells Fargo filed a claim against my Mom 's estate on XX/XX/XXXX. 2023. In XX/XX/year> they attempted to collect this debt from me personally when I had nothing to do with the account. I previously filed a complaint the CFPB after which Wells Fargo sent me a letter and stated there was a zero balance on the account. Since then I have repeatedly called asking for a lien release against the property. Wells Fargo reps continue to tell me they are going to send me a lien release and they will not do it. They give me a deadline and cant even meet their own deadline. Every time I call there excuse is someone is out sick or someone is off today. Today after over a month of calling the Estate Dept transferred me to the Executive office once again and could get no help there. Also, even though they know my Mom is deceased they sent a letter recently to her ( not the estate ). All I need is the release from the estate and to get some cooperation from Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

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


Account - XXXX XXXX XXXX XXXX Account - XXXX XXXX XXXX XXXX The Following Inquires are a violation of my consumer rights : XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX. XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX The following addresses are also in violation of my consumer rights : Address 1 :XXXX XXXX XXXX In XXXX Address 2 : XXXX XXXX XXXX AR XXXX The following alias listed on my credit report are a violation of my consumer rights : 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681c ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 USC 168s-2 ( A ) ( 1 ) - Responsibilities of funishers of information to consumer reporting agencies.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. 

I have also filed an identity theft report with the Federal Trade Commission on XX/XX/XXXX, XXXX, report number # XXXX
Product: Mortgage

We were the sellers in a transaction where the Regions Bank Loan Officer provided preapproval letter. On Friday, XXXX XXXX, 2016, we received notification that the borrowers loan was approved. The purchase agreement called for a closing date on Friday, XXXX XXXX, 2016 - seven days later - and that the borrower was to be provided with a 'walk-thru ' 48 hours prior to the closing. On Saturday, XXXX XXXX, 2016, we entered into a lease agreement with a local apartment complex where we had to pay fees and prepay first months lease which totaled {$1200.00}. On Monday, XXXX XXXX, 2016, we received an email that the borrower could not complete the transaction pursuant to the contract since his down payment money was to be provided by a XXXX loan and he could not submit a request for the necessary funds until Friday, XXXX XXXX, 2016 -the day of closing. Regions Bank, in providing an approval for the loan for their borrower, did not have the capacity to do so since the bank had not verified the ability of the borrower to complete the transaction per contract dates and caused us to incur expenses based on the loan approval. We feel that Regions Bank did not act in good faith, provided false information to us as sellers, caused us to expend energy and money in complying with the contents of the contract. When Regions Bank was contacted regarding this matter and a claim of reimbursement for the apartment application fees, prepaid items and lease payment, the Bank responded that it would be investigated. However, contact with Regions Bank has gone unanswered and unresolved to our satisfaction. We would think that if a financial institution provides a preapproval letter for a potential borrower that sufficient research and due diligence would be performed to ensure that the borrower has the ability to meet the components of the contract and not cause the seller to incur undue expenses.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Transunion XXXX XXXXXXXX XXXX XXXX  NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

( b ) OPT OUT ( 1 ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I am herby requesting all above disclosures required by Federal.
Product: Debt collection

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX. , and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX and autograph as the agent XXXX attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, I C SYSTEM failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
I C SYSTEM Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
I C SYSTEM Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge. 
On the date XX/XX/2022 XXXXXXXX XXXX agent, d/b/a XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.
Product: Mortgage

On XXXX/XXXX/2015 I made XXXX payments of {$3700.00} to Bayview Loan Servicing. XXXX was my XXXX monthly payment, the other was to be applied to principal. When I called Bayview customer service advised me that payment would not be applied to principal but would be applied as my XXXX, 2015 payment. 
I refinanced my mortgage and changed servicers before the XXXX payment was due. The refinance closed on XXXX/XXXX/2015, the escrow company wired the full payoff amount to Bayview on XXXX/XXXX/2015. The amount wired was {$470000.00}, as per the payoff quote sent by Bayview. Bayview did not process that wire until XXXX/XXXX/2015. 
Per Bayview 's own activity statement the principal portion of the XXXX payment was applied to the loan balance on XXXX/XXXX/2015. The interest portion was not applied to the loan balance, it is being held in suspense. The payoff amount requested by Bayview excluded the interest portion of the second payment. I expect Bayview to refund me the interest portion of that extra payment, but as of today they have not. 
I waited XXXX days after paying off Bayview for the interest to be refunded. I have made numerous phone calls to Bayview. On XXXX/XXXX/2015, I faxed a written request to a manager named XXXX : fax XXXX. I called the following week, spoke to an agent who confirmed that the fax was received. The agent advised me that it could take up to XXXX days to resolve the issue, but to follow up because these issues are normally resolved much faster. On XXXX/XXXX/2015 I called again, spoke to another agent who said that there was no case being worked on at all. The agent advised me to email a copy of the fax I 'd sent on XXXX XXXX to XXXXXXXXXXXX, which I did. 
As you can see by the attached documentation, I am due the {$2000.00} that was never applied to my loan balance. Bayview has kept these funds for over XXXX days and has yet to acknowledge my repeated requests. I need the help of CFPB as I have tried in good faith to work directly with Bayview and have yet to receive a refund.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against TransUnion regarding unauthorized inquiries that have appeared on my credit report. These inquiries were made by XXXX XXXX  on XX/XX/2024, XXXX XXXX  on XX/XX/2024, and XXXX  XXXX XXXX on XX/XX/2024. I want to be very clear that I did not authorize any of these inquiries, nor do I have any active accounts with any of these financial institutions. 

Over the past XXXX months, I have made multiple attempts to resolve this issue directly with TransUnion by sending letters, but I have received no satisfactory response or resolution. Instead of addressing the core of the issue, TransUnion has repeatedly sent me form letters that do not acknowledge or correct the unauthorized inquiries on my credit report. This lack of action and disregard for my concerns has caused me significant frustration and exhaustion. 

I am deeply disappointed in TransUnions handling of this matter and the failure to protect my rights as a consumer. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate information on my credit report, and TransUnions negligence in allowing these unauthorized inquiries to remain is a violation of that right. These inquiries are inaccurate, unauthorized, and detrimental to my credit history and financial standing. 

I request the following actions be taken immediately : A full investigation into the unauthorized inquiries made by XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX. 
The immediate removal of these unauthorized inquiries from my credit report. 
A formal apology and clarification of why TransUnion failed to address this matter in a timely and proper manner. 
I am asking for the CFPBs intervention to ensure that TransUnion takes my concerns seriously and complies with consumer protection laws. The negligence and lack of action on TransUnions part have caused unnecessary stress, and I expect this issue to be resolved swiftly and effectively. 

Thank you for your attention to this urgent matter.
Product: Credit reporting

Trying to dispute the report that I have been late on payments. Can not seem to dispute this item on Experian, which is listed under negative items. Also, there are duplicate accounts listed on my report XXXX. which are closed and exceed the fair credit reporting time period. Please remove these items from my credit report.
Product: Checking or savings account

I switched both my checking and savings account over to our XXXX XXXX on XX/XX/XXXX. I provided the notarized XXXX of XXXX XXXX and watched the banker upload the agreement to Wells Fargo. 
A letter dated on XXXX XXXX, XXXX, Wells Fargo informed me that due to anti-money laundering laws I was required to bring a Certification of XXXX XXXX, notarized to a branch office. It warned that in 20 days ( if you have direct deposits for your account, which I have multiple direct deposits ) that it would close my accounts. 20 days from XXXX XXXX is XX/XX/XXXX. 
I got the required form from the bank on Wednesday, XX/XX/XXXX. I filled out the form and got it notarized at another bank because Wells Fargo doesn't have a notary on staff and turned it in on XX/XX/XXXX. That same day both my Checking and XXXX accounts went to {$0.00} without warning. There was never an email, or a phone call. I spoke with the same banker, he gave me another form to fill out to reopen the account and get it fixed. Friday XX/XX/XXXX I received an email saying both accounts are closed. Not able to get ahold of the banker and not answering emails. Multiple calls to Wells Fargo I elevated it up to the XXXX and the best they can tell by their information is that a check is being sent, takes XXXX to XXXX business days to send the check and to allow XXXX business days after that to get your check due to speed of post office. They can't tell me if or when the check was sent, a tracking number to know when it's getting here. This is XX/XX/XXXX, still a day before the deadline in the letter that they said would close out the accounts and after I went in the bank and submitted all the required forms and information. It is downright criminal to close out an account and take this long to get the funds back to me without knowing if or when it is coming. I have checks written for paying off bills that are bouncing and need to make payments and feed my kids. I'm just supposed to wait by the mailbox for XXXX business days + XXXX business days for it to arrive which could be a total of 22 days since the account was closed. Downright criminal theft.