23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Fay is claiming i pay my taxes and hazard on my own. Meaning no escrow. or escrow is not enough to cover. Yet, i have a substantial amount of money in escrow with them to pay all three of these accounts. It will now be three. 1. taxes 2. Wind/hurricane ( forced ) 3. Hazard ( x-wind ).

I have received two letters at this time stating that i am to be held accountable for paying 2 of the 3 above. I have never paid directly any of these. I have always ( 20 years same mortgage ) had it in escrow to be paid by the servicer.

As well, in their letter response to another complaint on this website, they include " $ XX/XX/2022 {$1500.00} Hazard Insurance-paid by XXXX '' ( past loan servicer ) They have the information on paying insurance # XXXX hazard =x wind. It is coming due and needs to be acknowledged in some way that they are to pay this. I have also asked my Insurance agent to get with Fay regarding this to no avail. 

On the other item, they addressed cost of Hurricane insurance, Forced place, I am fine with that amount. 

On XX/XX/XXXX time frame i uploaded to their portal confirmation of Hazard / amwin/xwind insurance coverage. They have yet to acknowledge this either in email or on their website where i make my monthly payments.

I want confirmation that they acknowledge there is an escrow account to pay all three items above , county taxes and 2 separate insurance policies. I have called the company twice. and I have uploaded the Hazard insurance declaration page to their portal. as well uploaded it here. with no acknowledgement of this being corrected. I keep getting letters stating i am to pay this. so no this company has not addressed all of my issues.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed that I have late payments on an account that I was never late on. Consumer reporting agencies have taken on a vital role and have the responsibility to have consumer information as accurate as possible. I have never been late on these accounts : XXXX XXXX / account number XXXX XXXX XXXXXXXX XXXX account number XXXX Please investigate and provide proof with statements documenting that these payments were late. If proof can not be provided I request that these payments be updated or the accounts be removed from my credit report. 
Thank you.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you of a recent identity theft incident that has resulted in several fraudulent entries on my credit report. These XXXX unauthorized accounts and XXXX inquiries were added without my knowledge or consent, and I request their immediate removal to rectify this matter. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES - XXXX XXXX  XX/XX/year> - XXXX XXXX XX/XX/year> - XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> - XXXX XXXX XXXX XX/XX/year> - XXXX XXXX XXXX XX/XX/year> An official identity theft report has been filed with the Federal Trade Commission ( FTC ), and I urge the prompt removal of these fraudulent items to ensure the accuracy and integrity of my credit report.
Product: Mortgage

I have sent in the payoff for this account three times. I have followed all the banking laws under the CFR codes, the indentured trustee act and the bill of exchange act. 21st mortgage refuses to send the documents to the indentured trustee at the XXXX XXXX XXXX XXXX XXXX to process the security I have sent them. The cfr code XXXX states that once payment has been accepted it must be processed and the debt must be discharged. 

I have saved copies of all mailings and have all the tracking numbers to show they have been paid. 

Also I know the company has been paid for this loan already and is trying to charge me interest on a loan that they have already been paid for. The company is double dipping.
Product: Student loan

I applied for an IDR plan. It stated that I would be put in deferment while they were possessing my application. However I got payment pas duenotice. I reached out to MOHELA with no answer as to why my account want put in deferment and if it will affect my credit score or chances of getting my IDR approved
Product: Debt collection

This debt was disputed thru my insurance company and they recieved no response.I have had XXXX XXXX XXXX since XXXX.I submitted all crudentials at time of emergency room visit.This debt is 6 yrs old and has expired the time they can legally collct.I also disputed this thru XXXX  and recieved a email that the account was closed and would be deleted from my credit report.I never recieved any notification whatsoever in 6 yrs concerning any issues wXXXX having a problem w.payment.My insurance company never recieved any notification in referrence to this bill.I only became aware when contacted by commonwealth debt collection services.
Product: Credit card or prepaid card

Our card was fraud charged repeatedly on 5 purchases in California, we live in XXXX, FL XXXX XXXX XXXX CA {$100.00} XXXX XXXX XXXX CA {$250.00} XXXX XXXX XXXX CA {$560.00} XXXX XXXX XXXX CA {$610.00} I was also a pending transaction {$550.00} not available on statement yet. 


They approved purchases over the credit limit. 

Fees Charged Late Payment XXXX XXXX {$38.00} XXXX when we paid on time. 
We had made numerous called since XXXX, also signed and send an affidavit. 
Their respond is to call back, and continuously calling us requesting us to pay those fraud charges. They continue to ignore our calls to solve the problem. We'll being threaten to damage our credit if we don't pay the minimal of {$400.00}. when our monthly payments is {$100.00}.
Product: Credit card

I called US bank to close my card in XXXX. I got a letter in the mail that my card wasn't closed and that the annual fee was past due. I called in and they refused to refund the annual fee.
Product: Debt collection

I XXXX XXXX Mailed a Debt Validation Letter to Waypoint Resource Group on XXXX XXXX These are the Individual action not taken! .Company did not comply within 5 days after speaking to me 2. I requested Validation and they did not provide 3.They have not ceased to collect on a debt that is not owed.
Product: Mortgage

Hello : We refinanced our home in XXXX of XXXX with Santander Bank ( which lended and serviced our old mortgage and new mortgage ). At the time of our refinance, we were informed in the closing disclosure documents that our Escrow balance was close to {$2000.00}. From our own look at the sparse information available to us XXXX our monthly mortgage statement ), we know that on XX/XX/XXXX, there was {$2400.00} in escrow. On XX/XX/XXXX, Santander paid our quarterly city taxes, an amount around {$2000.00}. That should have still left {$440.00} in our account, PLUS, the escrow payment we made on XX/XX/XXXX in the amount of {$890.00}, bringing the total escrow balance on XX/XX/XXXX to around {$1300.00}. We received a check in late XXXX for {$190.00} that supposedly satisfied our escrow balance. Therefore, we believe that we are owed approximately {$1100.00}. ( Note that we are attaching our XX/XX/XXXX Mortgage statement as well as our mortgage payment breakdown ). 

In XXXX, when we received this check that was far less than what we are owed, we spoke to the mortgage officer, to our local banker, to multiple people in customer service. They put us off repeatedly, telling us in XXXX to wait until XXXX to receive a mortgage escrow analysis. The escrow analysis did not turn up the missing money. We called multiple people AGAIN to ask for a detailed month by month accounting of how much was in our escrow for XXXX, and Santander has not given us that information, even though we have called to request it multiple times. The most they have given us is a general statement of the amount we paid INTO our escrow each month, not a full accounting of what was taken out, what the balance is, and what we paid in. We want a detailed accounting of our escrow account ( what was put in and taken out ) for all of XXXX and XXXX, so that we can see the exact amount owed to us. We then need a refund of that amount back to us WITH INTEREST. The fact that there is no transparency on this is very disturbing to us, and we are planning to move our money away from XXXX in XXXX.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed. The CFPB has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

inquires i dont recognize
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

DELETE HARD INQUIRIES experian XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX accordance with the Far Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

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

15 U.S.C 1681 Section 604 A Jection 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 ) ( a ) 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: Checking or savings account

Since before XXXX XXXX has been charging my account XXXX or more times a month. Cash app, tells me to dispute, I do. Sometimes disputed while pending. Cash app allowed through. Every time. I'm told 45 days till resolution. Since XXXX, it's been 45 days. Since XXXX. It keeps happening. Contacting XXXX is a XXXX joke that's NOT funny. Cash app, does nothing contacts no one gives me NO information. Meanwhile the second I unlock card XXXX steals $ $ XXXX When card lost, new one not arrived XXXX was stealing from me.how? I never nor would I give account info out. Privileged confidential account information. Cash app had to have given it, or the " trusted '' internet information holder breached trust. Every time I deal with this agency I've been bent over. So I expect you will do nothing and find in favor of corporate criminals, so I'll thank you in advance
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Whom it may concern, I have a medical collection account on my credit reports including XXXX, Equifax and XXXX it was placed in collection and on my report as XXXX XXXX. I submitted a complaint to the CFPB against XXXX XXXX for never providing proof of debt and verification of debt and they stated to the CFPB, " The company responded that they are not the appropriate company to address your issue. '' XXXX XXXX admitted they are not the company to address my issue I want this collection account deleted right away because they are providing false information to all 3 credit reporting agency 's.
Product: Credit card or prepaid card

I have an XXXX XXXX Credit Card with Chase Bank. I received an email from Chase today, XX/XX/18, at approximately XXXX EST stating that I am now enrolled in their digital emailing service for any account that I already accept paperless statements. I do not have any paperless services with Chase. The email states that I will still receive paper mailed services where required by law, however, when I verified my account, Chase had automatically enrolled me in e-statements and " other information '' digital services without my affirmative consent. In the past, I have actively denied Chase 's offers for e-statements several times so I strongly feel they are violating the e-sign act ( and TIS ) by signing me up for a service that I : ( a ) did not affirmatively consent to ; and ( b ) received no information regarding any potential fees or charges associated with this. There was also no definition of what " other information '' digital services was. There was a link to their security page which ( buried within that page ) is their privacy policy, but nothing that stands out or refers directly to the terminology contained in the email. 
In order to correct all of this unnecessary hassle, Chase provided a link within the email to 'check my digital communication settings '. The link brought me to the Chase home page where I had to log into my account, find my way to the " paperless options '' and manually unsubscribe for these services I did not consent to. 
If this is happening to me, how many other Chase customers received the same message but don't realize they are now enrolled in a service they may not want?
Product: Vehicle loan or lease

I actually have so many complaints over the past 5 years of this loan with overpayment, not sending me statements, overcharging me interest, not doing what they say even when promised on calls, etc. So so many. But to add frosting to the cake here is what is happening as I try to pay off car that was totaled. 

I thought I had gap insurance but they said I did not. So after insurance company valued, was about {$2500.00} short ( after paying for 5 years a car that originally was {$13000.00}. After 5 years still owed {$7200.00} at time of being totally. Usery in my opinion. 

But now when I am trying to get paid off still can not get resolved even though they have had my {$2500.00} for two weeks and the insurance check {$4700.00} for one week. Telling me it will be another 4 business days even though I have called daily. It is beyond frustrating and they just don't care and can not do anything about they say. And said they are unable to send me to a manager. 

I have a car financed with them. Over the 5 year period I reached out many many times with errors to my account and to have monthly bills emailed to me. At least 30 times. Every time they confirmed my email and contact info and promised to remedy. Over 5 years they never corrected and I did not ever get an emailed statement. 

Then on top of this all, my car was totaled one month ago. After many requests, It took 2 weeks for them to get the correct form to my insurance company after multiple calls and emails from XXXX and myself. Finally they got my insurance company, XXXX, the right form. XXXX then overnighted a check to Santander who signed form and received last Tues morning at XXXX XXXX. It is now XXXX XXXX on the following Monday. 

So, one week later on Monday evening, my account was still not credited for the payment. Daily I call and each time get different XXXX they say " wrong '' information from last person I spoke to there. I am now told that it will be another 4 business days for them to credit my account. We all know they deposited the funds the same day into their own accounts and are earning interest on those monies. 

What financial company takes 8 business days ( 10 overall ) to credit my account with a check from a large insurance company? This is like stealing my money and holding it hostage. Each day I am spending {$100.00} on XXXX to go to and from work because I can not buy another car until this account shows paid. And all Santander says is they can't do anything about and sorry the last person gave me wrong information. I am beyond shocked at how a financial company can get away with treating consumers like this!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, XXXX : I submitted the enclosed disputes regarding my federal student loans through XXXX. The dispute was sent to Experian, XXXX, and XXXX. I have been in the process of purchasing a new home and my loans went through the Fresh Start program. As per the two conversations that I had directly with the Department of Education, I was told that all negative information that was previously reported would be removed. The disputes were specific to each bureau. XXXX decided not to pursue the disputes. Instead, I received a letter dated XX/XX/2023, with contradictory wording. It starts off by stating that after a careful review of my account, a determination was made that no adjustments are needed. The reason provided was because of an incomplete or invalid dispute. This was followed by claiming that under the FCRA a data provider doesnt need to investigate disputes received directly from consumers. For starters, the dispute came directly from the bureaus. Furthermore, the results should have also come back from the three bureaus. That never happened. Just a form letter from someone who didnt take the time to review the disputes. 
XXXX, EXPERIAN, & XXXX The attached response from XXXX indicates that you didn't provide the information listed in my individualized dispute sent to all three bureaus. You too share a part in the blame for my credit reporting incorrectly.
Product: Mortgage

It appears the debt attached to the XX/XX/XXXX Deed of Trust associated with my account may have been sold multiple times between XX/XX/XXXX and XXXX, and not through a Trustee 's Sale at public auction as represented to me and the public by Bank of America and their named Trustee, XXXX XXXX XXXX XXXX ( XXXX ). This deliberate action amounts to fraud ( a knowingly false representation ) on a mortgage, Deed of Trust, or real estate and property and possibly Racketeer Influenced Corrupt Organizations ( RICO ) Act violations as prohibited by law. 

While Bank of America through XXXX caused to be recorded at least one Trustee 's Deed the next business day following Trustee 's Sale at public auction according to county records, Bank of America, through Trustee XXXX, took eleven ( 11 ) days to record a Trustee 's Deed related to my property after the day of auction and sale without explanation as to why such a delay occurred. On the face of it, the reason appears to be the withholding of the recording of a public document until a named bona fide purchaser ( BFP ) XXXX be had and named within and on the Trustee 's Deed, an official public document, thereby attempting to avoid any appearance of unlawful activity related to a mortgage, Deed of Trust, or real property. 

It is to be noted Bank of America has no authority to begin foreclosure and property separation processes while the modification process is pending, as a matter of law. 

All applicable Acts and other regulations, statutes, guidelines, and rules of law. 

All previously mentioned resolutions are desired and mandatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX XXXX XXXX Date Opened XXXX. XXXX, XXXX Balance ; {$0.00}
Product: Mortgage

On XX/XX/XXXX i tried to pay my mortgage, but since this is my last payment the website doesnt allow me to make the last payment of XXXX. The website will only allow me to pay XXXX i make a payment in this amount and then call RightPath servicing to find out what i need to make a final payment. The phone rep says i can pay only with a certiefied check or by wire since that is company policy. When i ask for the payoff amount I am told i can have it immediate for {$25.00} dollars or it can be mailed at no charge. I choose mail and ask what will happen to the payment i made. the rep says it will be rejected because it is lower then the normal monthly payment. The final payment total is available online on XX/XX/XXXX in my account documents. i send the amount of XXXX by wire that morning. On XX/XX/XXXX the payment of XXXX that i was told would be rejected is withdrawn from my account leaving my checking overdrawn by {$580.00} dollars. My wife and I both call RightPath servicing and are told there is nothing they can do at this time until it clears and then we can send a statement from my bank so we can recover our money.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS/INQURIES LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XX/XX/XXXX, TransUnion and XX/XX/XXXXCRA. On XX/XX/2020, I mailed XX/XX/XXXX TransUnion and XX/XX/XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. Certified letter sent to Experian on XX/XX/2023, regarding investigation of a 30-day late regarding : Account Name : XXXX XXXX  Account Number : XXXX XXXX. Received results from Experian that 30-day late was verified, but no proof of the verification/procedure process provided as requested in the dispute letter mailed to Experian.

3. Two other credit bureaus ( XXXX XXXX XXXX ) reporting the above account PAID AS AGREED. 
XXXX. Called Experian Disputes to obtain proof of verification of the 30-day late and did not receive.