23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have three mortgages with Mr. Cooper, which I pay online. For some reason, when I made the three XXXX payments, Mr. Cooper 's system only processed two of them. When they notified my by phone of the problem, I immediately made the missing payment by phone. I also proactively submitted my concern to Mr. Cooper 's Research Department to ensure that a late payment was not reported. unfortunately, although I have not heard from their Research Department, they have now reported this payment as 30 days late. I would like this late payment to be reversed on my credit reporting, as I did make the payment on time online ( though their system apparently didn't process it ) and immediately made it again upon being called by Mr. Cooper. 

The loan number is XXXX, and the address is XXXX XXXX XXXX XXXX XXXX, PA XXXX Thank you. 

XXXX XXXX
Product: Debt collection

On XX/XX/2023 They sent messages to multiple family members regarding collecting a debt and made it known it was for a debt. I did not provide family information for this collector to contact and NEVER consented for them to contact anyone.
Product: Mortgage

I requested a payoff from Ocwen loan servicing. There are extra fees totaling almost {$7000.00} When I called to negotiate the fees and/or the removal of them I was denied and told that according to the terms of the loan and modification. The problem is that one is a deferred principal balance fee of {$5200.00}. That was from the modification 3 years ago. I was to have that amount removed each year for 3 years. But 3 years ago I received a XXXX for the entire amount of {$15000.00} which we had to claim as income on our tax returns. So therefore according to our records with the IRS we have already paid taxes on that income ( which also changed our tax bracket to a higher bracket ). 

When I called today I was told this will not be removed. 

I would like this formally investigated and reviewed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Gateway - incorrect reporting date & close account date, incorrect balance
Product: Mortgage

Planet Home Lending purchased my loan and send me a letter saying we do not have insurance but we do. I try to call the number they listed to give them the information and the number never works XXXX, I call their main customer service number and they can not get a hold of their insurance department either. They say they will call back but never do. I am entitled to equal servicing of my loan and I am not getting that service. They now sent a letter with force place fire on my home at a very high rate. Please help, no one at PlanetHome Lending can get me in touch with their insurance department and now I ha
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX  XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

previously have been trying to get an issue addressed regarding identity theft on my report .... I have had several addresses and accounts that were as a result of my identity being stolen ... the addresses and some information has been removed and corrected but the accounts have not, .... i have a past ftc affidavits and I have added the additional accounts that I left out on these ftc affidavits ... since I have reached out to the company and again sent all of my information XXXX has accepted the FTC affidavit and blocked all of the fraudulent items except the last one on the report ... it has been well over 4 days since this has been received and accepted by them and they have overlooked the account VW Credit acct # XXXX this account reporting is out of compliance with the FCRA and the statute regarding blocking fraudulent accounts .... I am thinking this is just an oversight seeing as this was the last one on the report but I am requesting that this is taken care of immediately and blocked from my credit file permanently
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I realized that I had multiple personal loans that were took out in my name from Affirm Inc . I reached out to XXXX to resolve the issue by filing and sending them an identity theft report. XXXX says the accounts with Affirm with valid, but I don't personally have an account with Affirm so I was confused on why I had loans on my credit report with them if I don't have an account. I reached out to Affirm on XX/XX/XXXX, they said it will take them 3-5 business days to send me an report stating that those accounts were in fact fraudulent and they have not yet responded back regarding why they granted someone multiple personal loans in my name.
Product: Mortgage

As a Home Owner Citizen of the United States, I am angered and dismayed by Ditech/XXXX use of Federal Law to claim cushions as a safeguard and projections as excuse to add charges to borrowers ' accounts ( contrived by people that have no stake in the home ). Charging additional money and not processing payments ( holding payments in unapplied funds UAF ) result in additional and unfair charges/fees, bad credit reporting, threats of and real foreclosures. These practices are predatory tactics of an unscrupulous and greedy mortgage industry that has total power and control. It is laughable ( if it was n't so sad ) that the powerful mortgage industry claims need for safeguards/protections against the lowly individual. I vehemently dispute the calculation of additional cushions/projections ( fake charges ) that put consumers into a foreclosure status ( piling fees, upon fees, upon interest, upon fees ... ) .These additional charges are CONTRIVED ( trumped up charges, not true debt ) no matter what legalese/label used, i.e., cushion, projection, fees, whatever. Ditech/XXXX claims of borrowers being payments behind because of their calculations, holding funds UAF, and practice of sending contradicting letters claiming various amounts owed provides evidence of a mortgage industry gone awry.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Re : Dispute of Inaccurate Credit Reporting by XXXX XXXX Dear Sir/Madam, I am writing to formally dispute the inaccurate reporting of charge-off accounts by XXXX XXXX on my credit reports. Below are the details of the accounts in question : XXXX XXXX Accounts : Account Number : XXXX Balance : {$1900.00} Date Opened : XX/XX/XXXX Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Account Number : XXXX Balance : {$1600.00} Date Opened : XX/XX/XXXX Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX I am disputing these accounts based on the following points : No Contract with Collections Company : I have no contractual relationship with the collections companies reporting these debts. According to the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1692e, debt collectors must report accurate information and must not use false, deceptive, or misleading representations. The absence of a direct contract with these collections companies invalidates the reporting of these debts on my credit report. 

Unpaid Charge-Offs as Income : According to the Internal Revenue Service XXXX IRS ) XXXX an unpaid charge-off is considered income. The FCRA stipulates that income can not be reported on a credit report. Therefore, these charge-offs should not be reported as they misrepresent the nature of the debt. 

Continuous Reporting of Charge-Off : These accounts have been reported as charge-offs every month for an extended period, which is misleading and not an accurate reflection of the debt 's status. Under the FCRA, information reported on my credit report must be accurate and not misleading. The repeated reporting of these charge-offs is not compliant with this requirement. 

Sale of Debt : The debts associated with these accounts have been sold to other companies. The original creditors should have updated the account status to indicate this change. Reporting the debts as active charge-offs after they have been sold is inaccurate and misleading. 

Issuance of Form 1099-C : I have requested Form 1099-C from the original creditors, which should have been issued to indicate the cancellation of the debts. The absence of these forms suggests that the debts should no longer be reported as active. 

I have previously disputed this matter with the credit bureaus ( XXXX, Experian, and XXXX ) and the original creditors, but the issue remains unresolved. Therefore, I am seeking the assistance of the CFPB to investigate this matter and ensure that my credit reports are corrected to reflect accurate information. 

Please find attached copies of relevant documentation, including my communications with the original creditors and the credit bureaus. 

I request that the CFPB intervenes to have these inaccurate charge-offs removed from my credit reports promptly. 

Thank you for your attention to this matter. 

Sincerely,
Product: Mortgage

We started an application in XX/XX/year> for loss mitigation. We were told we would have an answer in 30 days. It is now XXXX and I am just finding out that they need an additional paycheck stub but that unfortunately we will have to submit another application. I have called them every week for the last XXXX months and this was the first time I was told they were missing a paycheck stub.
Product: Credit reporting or other personal consumer reports

I was not in an XXXX  on this date
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a secured credit card in XXXX with XXXX XXXX for XXXX XXXX dollars the following year in XXXX I closed this card with a branch loan officer on XXXX XXXX in XXXX Alaska They list the account as XXXX on the file with XXXX and Transunion and XXXX show a different number. I have disputed this for three years I closed the account in good standing with a XXXX  balance and they continue to show as a charge off with a balance of XXXX. I have sent letters documentation letter from loan officer who closed the account stating as I did in good standing and yet the Agencies ( credit reporting ) fail to correct this. 
This needs to be removed completely as this is not only false but severly damaging personally.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance {$320.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$2000.00} XXXX  XXXX Balance Owed : {$3900.00} XXXX  XXXX Balance Owed : {$15000.00} XXXX XXXX  XXXX Balance Owed : {$320.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

i was fraudulently charged by XXXX for transactions totaling {$2500.00}. I informed them that XXXX employees were copying card information with a XXXX box and was denied my refund twice for no reason. I sent in all types of evidence.
Product: Credit card or prepaid card

I got an un-authorized charge in the amount of {$620.00} from XXXX XXXX XXXX on my Costco Anywhere Visa Card by Citi on XX/XX/XXXX. I contacted Citi Card on XX/XX/XXXX and also filed the dispute online regarding the un-authorized charge. When I checked my Citi Card online statement and didnt see the charge removed. I called Citi again on XX/XX/XXXX. The rep on the phone told me that he was not sure but noted it again to have the charge investigated and removed. 

The charge was never removed so I called Citi again on XX/XX/XXXX and again was told it would be taken care off. Today XX/XX/XXXX, I got a letter from Citi that they tried to reach out to me but did not receive information needed and I will have to pay the amount. Otherwise they will report my account to consumer reporting agencies. I have a loyal customer with Citi for many years, since XXXX. I dont feel this is how they should treat any of their customers. 

Thank you in advance for your help.
Product: Mortgage

This is not a matter that I need personally resolved. I am fine. I have not fallen for what I view as the predatory behavior of Nationstar DBA Mr. Cooper. Rather, I simply would like to draw this to the attention of the CFPB because in my opinion its despicable, wrongful, predatory, misleading, and for all I know perhaps it is illegal. 

A few months ago the servicer and owner of my VA Mortgage ( XXXX ) transferred ownership of the mortgage servicing rights to Nationstar DBA Mr. Cooper. Previously, they had been the sub servicer. 

Since then, the new loan servicer ( Mr. Cooper ) has been trying to get me to refinance my loan by sending me monthly solicitations. In my view, they are not doing so in good faith. For example, today I again received a flyer in the mail from Mr. Cooper which says : Now that youre a Mr. Cooper customer, well be keeping an eye out for ways to make your loan even better. 

Keep in mind that I am only their customer involuntarily. In any event how does Mr. Cooper propose to make my loan even better? By replacing it. Yes, according to these guys, my loan will even better if I engage in a cash out refinance. So my loan ( 30 year VA fixed at 3 % ) would be replaced by their loan on terms XXXX  but certainly not at 3 percent. 

If they want to send advertising to their captive customers I suppose thats their privilege, but it should not be ok to do so in a manner apparently intended to entice potentially gullible customers with what ( in my opinion ) are lies. If my loan is to be replaced, as they propose, it could not be even better because it would no longer exist. Further, putting that silly rhetoric aside, it is simply false by any reasonable standard to suggest that the loan they are proposing is even better than the one I have. 

As I said above, this is not a personal problem for me. I am not fooled by this. I have no interest in refinancing and would never voluntarily enter into a new relationship with Mr. Cooper. I simply want to suggest that the CFPB might want to look into this kind of advertising by this company. It really is unconscionable.
Product: Credit reporting or other personal consumer reports

There is an inquiry on my experian credit report from XXXX XXXX that should have been removed because it was aged off my report I want this inquiry removed
Product: Credit reporting or other personal consumer reports

A surprising entry for me to find as an inquiry of Concora Credit for a Destiny Credit Card application is appearing on my XXXX credit report. I do not recall having initiated this inquiry. This inquiry is absent from my XXXX and XXXX reports, thus making me think that perhaps a mistake has occurred. I ask that this error be rectified immediately by Concora Credit.
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 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: Debt collection

Police report number XXXX AFFIDAVIT OF TRUTH Consumer Enforcement as Administrative Counter-Claim by XXXX XXXX XXXX XXXX Notice to all, I am that I am, the consumer in fact, natural person, original creditor, XXXX, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, Consumer, 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 Consumer, 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, now present : Fact, The Truth in Lending Act is intended to inform consumers about the cost of credit. Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. Fact, XXXX is aware and has proof in attachment labeled as exhibit A that ARS National Services IncXXXX is in violation of 15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt. Fact, XXXX is aware and has proof in attachment labeled as exhibit A that ARS National Services Inc. is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt. Fact, XXXX is aware and has proof in attachment labeled as exhibit A that ARS National Services Inc. is in violation of 15 USC 1692. ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. Fact, XXXX is aware and has proof in attachment labeled as exhibit A that ARS National Services Inc. is in violation of 15 USC 1692. ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 15 U.S.C. 1692 ( G ) On the date of XXXX XXXX XXXX XXXX XXXX XXXX before me today present as a flesh and blood living being ( Non entity/non debtor ) under oath to the most high of creation only and provided the facts listed hereir XXXX XXXX XXXX XXXX Sworn to or Affirmed by and subscribed before me on the. XXXX XXXX : XXXX XXXX Notary Signature : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Barclay 's is reporting that this card is mine, and I have never filled out an application for this card. I was added as an authorized user but I was asked to be removed XX/XX/2022 by the account owner. After several disputes XXXX and XXXX have failed to provide XXXX XXXX  from Barclay 's verifying that I am the actual account holder
Product: Credit card or prepaid card

Ok, so i put in my complaint regarding Comenity Bank 's predatory late fees and interest charges. I was hoping they would remove the SECOND round of late fee and interest they've charged me. They did not. They replied to the complaint XX/XX/XXXX. Not happy with that but I just wanted them out of my life so I created a login and paid the stinking bill online on XX/XX/XXXX. Now, here 's where it gets interesting. The due date for the amount in question was XX/XX/XXXX. I paid it AFTER the complaint was resolved. Now they are charging yet ANOTHER late fee! These people are unbelievable!!!! This amount was under dispute so the account should have been put on hold UNTIL THIS COMPANY had resolved my complaint and SHOULD NOT BE CHARGING YET MORE EXTORTION!!! I can't believe the gall of Comenity Bank!
Product: Credit card

I was using the Capital One Walmart Branded Card for online purchases. I was told food items were XXXX  by XXXXXXXX XXXX and they were not. Attempts to receive refund were rebuffed. Promises made to deliver a " return label '' was promised and not kept. Telephone calls would be listened to with no warning of a supervised line. 

My limitations are documented in the files of XXXX XXXX XXXX, XXXX, Surgical Faculty at the XXXX XXXX XXXX, practicing at the XXXX XXXXXXXX and XXXXXXXX XXXX XXXX. I was XXXX by a XXXX XXXX XXXX XXXXXXXX effective XXXX. The State of Maine is under a US DOJ ADA Section is under a Consent Decree providing for special attention for developmentally delayed and XXXX persons. 

Should the CFPB need medical records to adjudicate my claim, I will provide records for protected review to establish the claim.
Product: Credit card

This is a CitiBank account that is closed. 

I sent a check to pay this account off on XX/XX/2024. They requested I give them up to XXXX business days for the check to clear. As of XX/XX/XXXX the check had not cleared. I called multiple times during that period to escalate and request they investigate this payment, and each time was told they haven't received it. We cancelled that check, and sent another one. We were hit with another interest charge. 

This check cleared, and we have a credit balance of {$180.00}, which Citi is refusing to refund at this time. 

Citibank requested I call them back in 15 days, and will not send a refund until I do so. Furthermore, Citibank will collect interest on an account with a CREDIT balance. 

I did not know that customer service could be this bad.