23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX of last year, I became suspicion that my loan with then XXXX XXXX inXX/XX/XXXX may not have aboveboard. In XX/XX/XXXX, my loan was processed primarily via certified mail and phone calls. At the time, the mortgage broker contacted me to refinance my mortgage was in a financial rut and credit was very poor. I realized that should not have been approved for a loan of {$75000.00} given checkered credit history. 

So, I decided to review how my loan was processed to allay my suspicion that my was not kosher. I requested a facsimile of the documents generated during the process of my. Caliber Home Loans, the mortgage holder, informed me in writing that the documents I requested were proprietary as such would not be made to me, mortgagee. For several months, Caliber Home Loans employed duplicitous tactics to thwart my efforts to obtain access to the documents that I requested. 

In XXXX of this year, Caliber Home Loans ' Attorney, XXXX XXXX, made the documents available to me. After a thorough perusal of these documents, I uncovered conflict and discrepancy between the settlement statement with respect to the actual amount that then XXXX XXXX paid to my first mortgage holder, XXXX XX/XX/XXXX. I found a distinct difference between what was recorded on the settlement statement vis a vis the document that was sent to XXXX XX/XX/XXXXto settle my principal balance. Also, the settlement statement suggests that I received a payout for {$1400.00}. I saw no other document that shows that I was given a payout during the process. Also, as I have argued ad nauseam during the past eleven months that I do not recall that I received such a payout. Again, the process of my loan was done in such an unconventional manner virtually by certified mail and phone calls, I suspect that a lot of errors was made given how my loan was initially processed. 

Given the discrepancy and the aforementioned conflict, in an email dated XX/XX/XXXX, I requested a facsimile off the checks that then XXXX XXXX issued to me and two creditors, XXXX XX/XX/XXXX and XXXX, both defunct. 
Shortly thereafter, I was informed by Caliber Home Loans ' Attorney that the documents that I requested were not in its possession. It's highly inconceivable that Caliber Home Loans does not have in its possession any documents that would corroborate whether I received a payout for {$1400.00} as recorded on the settlement statement. Also, it's not possible for Caliber Home Loans to not have any documents in its possession that would confirm how much then XXXX XXXX paid to XXXX XX/XX/XXXX to settle my principal balance besides the settlement statement & loan agreement.
Product: Credit reporting or other personal consumer reports

I sent over all documentation to Experian and requested validation of the disputed items, I contacted the creditors and also requested documentation they advised me they did not have to send anything but per law they do. I explained to Experian that I am a victim of identity theft and these are not my accounts, I pleaded with the company to please send anything signed agreement or contract that I have with the creditors, any documentation or validation the creditors provided to Experian, names and emails of anyone that they spoke to so that I can do my complete investigation. Experian had not provided such information. My request was made XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX for XXXX XXXX and XXXX XXXX XXXX
Product: Mortgage

I had a house fire on XX/XX/year>, during this time the mortgage company foreclosed on my home and kept a insurance claim check given to me by my insurance company. They locked me out of the home and refused to let me get the home repaired however they are keeping insurance funds that also were endorsed to me. They have also made claims on another check that was given to me by the insurance company even though they took my home. They have sold my home as well.
Product: Money transfer, virtual currency, or money service

Please note that this complaint is against Wells Fargo : On XX/XX/XXXX I attempted to transfer {$1500.00} from my Wells Fargo account to my XXXX XXXX XXXX account. I tried to use my debit card on the latter bank on XX/XX/XXXX and it was declined. I checked my account and the transaction had been reversed somehow. This caused me to have a negative balance. So, instead of moving money from the Former bank account the transfer came from the bank that was supposed to originally receive the money. I have transferred money before and never had this problem. 
I called Wells Fargo to make sure that they cancelled the transaction in hopes that this would reverse the transaction and the money would not be accepted from XXXX XXXX XXXX. According to the agent I spoke with, the cancelled the transaction. 
Fast forward to the XXXX and I am not showing the transfer in the Wells Fargo account but I am still showing a negative balance in the bank account that was supposed to originally receive the transfer. 
I have called both banks numerous times. Wells Fargo has no documentation of a transfer or a deposit of funds from the latter bank. The other bank declares that Wells Fargo received the money. 
Please note the attached screenshot that is the only evidence that is obtainable. It shows the wrong transfer from the latter institution to the original bank that was supposed to transfer the funds. 
It is very disappointing, today, in 2021 a bank does not have the capacity to keep up with its transactions and mysteriously I have no record of any of the events that have occurred in the past 9 days.
Product: Debt collection

Previously on  XXXX   XXXX   XXXX   XXXX  made a claim tha t I have enrolled into a School that provide with a High School Diploma , named  XXXX   XXXX  as I made a complaint to that collection agency to validate and verified, that I owed that debt and alone with my signature stamp. That estate that I owed {$1600.00} debt to the school and to please send me a copy of that debt, there were lots of discrepancies for  one I d id not live in the address they said i live in witch I did not ever live in that address  XXXX   XXXX   XXXX   XXXX , TX  XXXX . And I made it clear that I would place a complain to the CFPB so we agree that they were going to make an investigation and notified the School about these ledge debt I do n't owed, so their resolution after a few weeks was to notified the school that they were going to STOPPED COLLECTING and that they will returned the file to their client,  XXXX   XXXX   XXXX  THE  XXXX   XXXX ,  XXXX   XXXX   XXXX , GA  XXXX . Account #  XXXX  Reference #  XXXX , And they did stopped reporting to the credit bureaus, but apparently now the school give these debt to another collection agency name ABILITY RECOVERY SERVICES, OPENED DATE AS IT APPEARS ON MY CREDIT REPORT  XXXX   XXXX  FOR {$1600.00}. Please I am tired of these allege  XXXX   XXXX  to stop harassing me about these debt. I send a certified letter to these  Ability Recovery Services to va lidate me with the debt and to make a final decision to their investigation, and to stopped immediately reporting to all credit bureaus and to delete such a false and fraudulent accusation of these debt.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the 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 under 15 USCS 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose
Product: Vehicle loan or lease

On XX/XX/XXXX, I entered a lease on a XXXX XXXX XXXX XXXX / XXXX  with BMW Financial Services and XXXX XXXX XXXX XXXX XXXX  
The XXXX XXXX XXXX XXXX XXXX   XXXX was going to be Titled, Tagged and Registered in Florida. I am a Florida State Resident, and have maintained my Florida Residence since I was called to XXXX XXXX  serving in the XXXX XXXX. Therefore, I am tax exempt, and filed the necessary exemptions, and affidavits. I terminated the lease, and returned the vehicle to XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX

I cancelled the additional warranties, annotated in the Lease Contract, the BMW Tire & Wheel Protection ( {$1500.00} ), and XXXXXXXX XXXX Paint Protection ( {$600.00} ).

I requested my refund for the additional warranties, I was instructed I have to receive the refund from BMW Financial Services and the BMW Selling Center. XXXX XXXX XXXX stated I have to receive the refund for the BMW Tire & Wheel Protection from BMW Financial Services. I received email notifications from XXXX XXXX Director, XXXX XXXX. that I had to receive the refund for the XXXX XXXX from BMW Financial Services or XXXX XXXX XXXX XXXX XXXX., Finance Manager, XXXX XXXX.

On XX/XX/XXXX I confirmed and verified with XXXX XXXX  County Tax Collectors Office Tedra Reid, and XXXX XXXX ( Asst. Manager Tag & Title Dept. ) the XXXX XXXX XXXX XXXX / XXXX  was never Titled. If this vehicle had been registered, and my existing tags transferred it would have only been {$64.00}.

I was erroneously charged {$2100.00} for license fees, registration, title, and taxes for the XXXX XXXX XXXX XXXX XXXX XXXX  

Therefore, I am requesting a refund of {$4200.00}.
Product: Debt collection

I was notified by the credit bureaus that a collection through I. C Systems had been added to my credit report. So upon investigation I saw that the original creditor was XXXX XXXX. I have never had a XXXX XXXX bill in my name where I authorized it, and I was never alerted of anything going into collection. There is no way that I could have even attempted to pay this debt before it hit my credit because I was not notified of the debt and did not know it existed because I never signed up for gas.
Product: Credit card or prepaid card

i have disputed twice some transactions that i did not authorize. the first time wasn't even filed so i did XXXX again and filed a complaint for not filing the disputes. i have been waiting to be reimbursed for 3 years now
Product: Debt collection

Collection agency in Florida continues to harass my home by calling and leaving no message although I have called them and asked to be removed from phone base and informed them person they are attempting to reach ( XXXX XXXX ) has never lived here and is unknown to me! There are numerous complaints an line regarding these creatures and nothing seems to be done regarding the problem.
Product: Mortgage

this is a continued complaint against my Mortgage company. Wells Fargo. I believe that they have committed fraud in the way that they have handled modifications, forebearances and repayment plans Along with the way they handle foreclosures. I was looking on my states government web site. which states that I was supposed to be given a subpeana with the foreclosure sale along with a date to respond to the court with a complaint. I was never given such an item. I would like an opportunity for the court to hear my side, and to evaluate any illegal practices committed by Wells Fargo. In addition to my previous request for written proof of allowed modifications, forebearances, and re payment plans. I am now asking for proof that I was served with the subpeana for the foreclosure. Had I received such an item I would have responded to the court. I am also asking again to be considered for a proper modification, forebearance, or re finance of my mortgage loan. I also am still requesting a copy of the phone call placed on XXXX XXXX XXXX. I believe none of the above items are pripreratory, and should be released to me. If any item listed above is a pripreatory item, Then I am asking for written proof as to this.
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. 

XXXX XXXXXXXX XXXX : # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, has violated my rights. 

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 seven 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

I have never done any business with XXXX or XXXX.I have disputed this information with XXXX XXXX XXXX. They are showing a XXXX balance which begin at XXXX. I asked them to validate this information, they do n't have anything with my signature or a contract.This information is with the XXXX credit reporting bureaus. I have disputed this information with all XXXX of the credit reporting agencies. It is against the law and illegal to report inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 seven 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Checking or savings account

I've been requesting account access and my funds for a while now. They've requested verification of my identity with handwritten letter and passport copy which I've sent multiple times and they seemed to have never gotten it despite putting the right address and confirming. Finally, they stated i can submit an email through which I submitted a picture of myself holding my passport and handwritten letter confirming my identity and intent to gain access to my account and funds. Even after the letter, there was no response and only after a week did I reach out. At that point the CSR advised me that he can not grant me access but he would send me a check and close the account. As that would be give me access to my funds, I agreed. After waiting 2-3 weeks, which is usually more than it takes receive a snail mail from the States, I sent an email to ask where the check may be. I just received a response that they had sent it but they can not give me details on the account over the email. When I called, the answering prompts stated their system was down and had limited access to account details. I gave up and waited so more. After waiting a month, I called again and talked to XXXX who seemed to have a long conversation with her supervisor. At the end of the conversation, I was told to wait yet again despite my complaints that all my mails to them keep getting lost and their mail never gets to me. I've requested other ways to access my funds or providing tracking as the check is a cashier 's check. All my requests have been denied and I feel robbed of my money for the last 4 years i did not have access. The money was banked in a high yield savings account despite which it accrued no interest at all for all the duration they had the funds.
Product: Credit reporting or other personal consumer reports

HARD INQUIRIES NOT MINE : XXXX XXXX XXXX Dates : XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dates : XX/XX/XXXX XXXX XXXX XXXX XXXX, DE. XXXX XXXX  XXXX XXXX Dates : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX
Product: Debt collection

In XXXX, The doctor wrote a prescription for TENS machince for me to get through my physical therapy company. I met with the sales person from XXXX medical name XXXX. XXXX recommended that I get a XXXX machince, but he stated that it had to be approved for purchase though my insurance company. The next day I recieved a call from XXXX stating that it was approved for purchase at no cost to me. XXXX and I met at the therapy office to show me how to use my new unit. About 2 months later I started getting letters from my XXXX company along with checks for rental fees for the unit that was suppose to be a purchase. I reached out to XXXX XXXX they stated that XXXX was billing the unit as a rental not as a purchase and for me to reach out to them to get bill correctly. I talked with billing XXXX name XXXX on XXXX. XXXX apologized and stated that she would fix this immediate ; y. On XXXX I recieved another check for rental purchase. I reached back out to XXXX and XXXX see apologized and stated that she will fix this immediately. However, I recieved XXXX more checks for the unit rental. I reached back out to XXXX XXXX, I was told to mail the checks back to them and they needed the unit to be billed for purchase to be corrected. I never heard back from XXXX until XXXX stating they need checks mailed to them I explained to the individual on the phone that the checks was mailed back to the insurance company. The reason was because it was billed wrong and that Billing XXXX had told me that it was taken care of. I then recieved a threating letter giving me 30 days to mail the checks to them. I explained that this was a purchase not a rental and they needed to rebill the insurance company correctly. I reached back out to insurance company and was told to file a complaint for filing false claims with insurance company.
Product: Payday loan, title loan, personal loan, or advance loan

I was XXXX  in XXXX XXXX for 6 month from the first of XX/XX/year> to XX/XX/year>, when I came back XXXX XXXX  and speedy cash contact me to pay the loan that was fraudulently taken out with my information while I was away in XX/XX/XXXX and XXXX. 
XXXX : Settle your account for only {$1700.00}. Pay now and become eligible for consideration of a new loan. Call XXXX. 
Speedy cash contacted me for {$2500.00} that I didnt know about.
Product: Credit reporting or other personal consumer reports

TD Bank : A payment was made in the amount of {$1000.00} per an telephone agent assuring me that this payment would not be deemed as late and later I found out it was. This was the only payment in my payment history with them that was ever reported late and it was hurt my credit score immensely. I wrote them a letter on XX/XX/XXXX asking them to remove the late payment from my credit report, especially due to the peak of coronavirus pandemic.I sent the letter Certified Mail and it was received by TD Auto Finance on XX/XX/XXXX with no answer back to my letter. I tried to dispute this through XXXX XXXXXXXX XXXX with no answer back from TD Auto due to closed account. I am asking for the removal of the late payment from my credit report. due to my exceptional payment history which is a wonderful indicator of my credit worthiness and this payment should have never been deemed late due to the information given to me by the telephone agent who took the payment. 

XXXX XXXX XXXX XXXX : One payment has been deemed late and dated to XX/XX/XXXX. I have been a XXXX XXXX XXXXXXXX customer for over 15 years ( mortgage and cars ) and this is the only late payment that I have with them. I also sent them a letter dated XXXX XX/XX/XXXX via certified mail and I never heard back from them. I am asking for this erroneous late payment to be removed from my account. When I contacted them via phone on XX/XX/XXXX, they stated that this account has been closed and there is nothing they can do, Because of my exceptional payment history, I am asking for this erroneous late payment to be removed from my account, especially during the peak of the coronavirus pandemic.
Product: Debt collection

XX/XX/07 I received a facebook message from my XXXX XXXX who I have no contact with, that XXXX from Comenity bank his extension is XXXX. He left the message " Calling for my full name to get contact information for your attorney that will represent you for XXXX XXXX '' He disclosed my full debt information on her cell phone voicemail. I called Comenity bank and spoke to XXXX she states she removed all 3rd party numbers. and apologized for the previous rep disclosing my information
Product: Debt collection

In accordance with the Fair Credit reporting Act the following account has violated my rights. MARS INC # XXXX, {$4200.00}, U.S.C 1681 Sec. 602 states I do have the right to privacy. U.S.C 1681 Sec. 604 also states consumer reporting agencies can not furnish an account without my written instructions.

This account has been removed from some bureaus and some not, or the very often reappear themselves with a different collector or appear twice.
Product: Credit reporting or other personal consumer reports

I am lodging a complaint in response to the recent investigation conducted on my credit record. While I acknowledge the efforts made to rectify some inaccuracies previously present on my credit information, I still require assurance of complete accuracy regarding all items listed on my file. Therefore, I request documentation verifying the accuracy of the account in question. Kindly conduct a further investigation into this account : XXXX XXXX XXXX Balance : - The inclusion of a 30-day late payment history on this account is entirely baseless, as I firmly believe that all payments were made on time. I insist on an immediate update to correct this erroneous late payment record associated with the account. Your prompt attention to this matter is anticipated.
Product: Vehicle loan or lease

XX/XX/16 I completed loan app was offered a 8 % interest rate. At this times rates were high XXXX % and I have over a XXXX credit score. I went in the branch for help and was told to call another phone number and I left branch called the number and was told there was nothing they can do. All I wanted was understanding as to why a person with low XXXX and high credit score of over XXXX could be offered such a high interest rates when there were lower rates being offered. I bank with them for years and paid off loans there Yet Im still confused how this happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX made an error on my credit report reflecting that I was 30 days late for the month of XXXX when I was not. XXXX confirmed that they did this in error and stated that they filed electronically the correction to all three credit agencies. Experian updated my account as current but is still reflecting XXXX as 30 days late for the month of XXXX. They need to fix this as soon as possible. Also I have disputed an account named XXXX this collection is over a year old. A year ago I successfully removed it from my credit report and recently it just showed up out of no where. I have proof of payment i have disputed it with Experian and they arent taking my proof of payment into consideration. Whats the point of having a letter reflecting payment confirmation if its not going to be accepted as proof.