23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Mr. Cooper is playing with my account again! I have had this problem with them every since their previous name was NationStar Mortgage. I never had this issue in 15 years before they took over my mortgage! My increased expenses paid out of escrow is only {$83.00} per year and Mr. Cooper is increasing my payments for escrow by {$1000.00} per year. 

Currently escrow has {$1000.00} in the escrow account but we will have 5 more escrow payments of {$220.00} ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX -- summing up the total of current escrow payments ) totaling {$1100.00} giving us a total in escrow of {$2100.00} at the time insurance a 1/2 year taxes are due. 
{$2200.00} will be due for taxes and insurance in XX/XX/XXXX and XX/XX/XXXX so we will have a shortfall of {$39.00}. 

The next payment due will be in XX/XX/XXXX for another half year of property taxes which will be {$900.00} but with no change to our current escrow amount due monthly we will have {$1300.00} at that time, a positive amount of {$460.00}. 

Mr. Cooper is attempting to increase my escrow amount by {$90.00} which is way too much. At this rate they would be charging {$3800.00} for escrow when taxes AND insurance only total {$3100.00}. 
* There was no increase for insurance ** Property tax only increase {$83.00} PER YEAR! 

This is a constant game they have been playing with me so rather than spending hours on the phone again I am going straight to you because they don't listen to me when I deal directly with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company XXXXXXXX XXXX  XXXX is in clear violation of several consumer laws put in place to protect consumers like myself from willful disregard of basic consumer rights. 

*Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud.

*Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap *Under 15 U.S. Code 1602 ( p ) - unauthorized use of my information As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case in the attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I had called Equifax customer service number to ask about some items that are on my credit report. I was on the phone with the representatives for over an hour, they were asking me so many personal questions to verify my personal information before they speak to me about my account, they kept telling me the information that you gave us doesn't match what we have on file so therefore, they can't speak to me. I asked to be transferred to a manager, instead I was I transferred to a supervisor, I asked for his full name, he would not provide that to me, he stated that his name is XXXX and that's all he can give me. He would not speak to me about my account or answer my questions. It is unacceptable for them to keep me on the phone for over an hour and not give me any information, they kept telling me they can not speak to me because I failed to answer the verification questions even though I gave them all of the correct answers about my personal information. They are very rude and no one there was able to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Need help submitting this to XXXX, XXXX and Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The 3 Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC Section 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditors, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. REMOVE THESE NEGATIVE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I submitted dispute information to Equifax which included police report along with a copy of my driver license and Social Security card as identification. A week later I received a letter asking for these same identification items again. 

On XX/XX/2019 I submitted copies of the first police report with a copy of a new police report and again attaching my driver license and Social Social Security card as requested. 
On or about XX/XX/2019 instead of getting an update I once again received a form letter dated XX/XX/2019 ( attached ) requesting copies of my driver license and Social Security card which I just sent them a week prior. 

On the XX/XX/2019 I submitted a copy of my FTC Identity Theft Report ( attached ) with copies of my driver license, Social Security card and my most recent light bill only to get another form letter dated XX/XX/2019. ( attached ) instead of getting an update on my file. 

This is a ridiculous amount of times I have had to submit my identification only to have to produce it again and again when it is in their hands. I am a XXXX XXXX XXXX woman with limited income and resources to be able to provide these things. ( Attached is the FTC Identity Theft report with the two most recent form letters from Equifax both received within the past few days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to have a security freeze placed on my credit file. I have some issues with my information being used without my knowledge and consent. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  OH XXXX is my current and only address, please remove/delete the following addresses : XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX LOT XXXX, XXXX  XXXX, OH XXXX
Product: Debt collection

I don't owe anything to CONVERGENT OUTSOURCING ( Original Creditor : XXXX XXXX ) with account number XXXX. They should have confirmed this from the Original Creditor since I have made my payment to them. Investigate this account thoroughly and make the necessary correction or just remove the account automatically.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 I filed a dispute with the XXXX major credit bureaus Experian, XXXX and XXXX about the unverified account XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX  XXXX acct # XXXX, XXXX  acct # XXXX, XXXX XXXX  acct # XXXX, XXXX acct # XXXX and XXXX XXXX  acct # XXXX. In over 30 days ago I haven't received a response. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from these companies about these unverified accounts as of today. Thank you
Product: Credit reporting or other personal consumer reports

I found an account on my credit report that does not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXXpayment history wrong for all 3 credit bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not own this debt.This vehicle was stolen  XXXX    XXXX  . Police Report #  XXXX . The car was never recovered. I filed a loss through my insurance company, which was a paid valid insurance policy.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  needs to contact the insurance company to discuss payment of the vehicle balance. I am requesting full valid proof of this debt. Along with the person 's name, position and number who physically validates this debt and as to why  XXXX   XXXX   XXXX  refuses to go after the correct owner of this debt. If  XXXX   XXXX   XXXX  can not properly and accurately provide with the proof, I request that this debt that I do not owe be removed
Product: Credit reporting or other personal consumer reports

Please remove this fraudulent account from my credit report.
Product: Credit reporting

I HAVE ATTACHED BOTH EQUIFAX AND XXXX REPORTS IN REGARDS TO INCORRECT LIMIT AMOUNT AS WELL NO CREDIT REPORTING. 
XXXX XXXX XXXX : XXXX : LIMIT IS {$1000.00} BALANCE IS $ XXXX : **************** LIMIT IS {$500.00} BALANCE IS $ XXXX LIMIT IS {$450.00} BALANCE IS $ XXXXPLEASE UPDATE AND FORWARD ME A REVISE CREDIT REPORT COPY. 
THANK YOUXXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX my daughter deposited money into my bank account through XXXX. My husband had just passed away and we needed to pay for funeral arrangements because my daughter was away at college at the time she couldnt give me cash and the only thing that made sense was for her to deposit the money into my bank account from XXXX. The next day I went to the bank to withdraw the money so that we can pay for the funeral arrangements and the manager at the XXXX XXXX location  immediately flagged my account for fraud because of this I had to apply for a loan just to bury my husband which is outrageous. Fast forward to XX/XX/XXXX I went to the branch at XXXX XXXX XXXX and they told me I needed documentation I brought them documents as to where the money came from and they told me to wait on a letter I never received now were here in XXXX a year later and Im still getting told that I should talk to different people and none of the people are helpful. I feel as if they are discriminating against me because I and XXXX and they feel like if youre XXXX you cant have a certain amount of money. Which is down right insane because both of my daughters XXXX XXXX XXXX XXXX.
Product: Checking or savings account

Starting on XXXX there were several fraudlent transactions on my regions debt card the whole scam cost almost XXXX being owed to the bank
Product: Credit reporting or other personal consumer reports

i have not supplied proof under the doctrine of estoppel by the silence XXXX. XXXX XXXX ( mo ) XXXX XXXX presumed that no proof of the alleged debt. nor therefore any such debt in fact therefore exist. ( Please remove these accounts before I seek legal litigation for defamation of character ) XXXX XXXX balance {$6100.00}, XXXX XXXX  balance {$5400.00}, XXXX XXXX XXXX balance {$20000.00}, XXXX XXXX  balance {$15000.00}, XXXX XXXX  balance {$13000.00},
Product: Credit card

According to my statements from the credit card company I started getting fraud charges on the card number ending in XXXX on XX/XX/, I called the company and reported the fraud. They closed the account and sent me a new card. I was advised that it could take up to 30 days for them to look into the fraud charges. Today is XX/XX/XXXX  and I still have no resolution to this. I have called the credit card company three times, the last time was today ( XXXXXXXX  ) when I requested a supervisor and was told there was none available and they would have someone call me ( which I did not receive ). On XX/XX/XXXX  they charged me interest of {$29.00}, On XX/XX/ they charged me a late fee of {$28.00}. The interest and late fee was charged against fraud charges. On XXXXXXXX  they gave me an amount of {$450.00}, the actual fraud amount is {$800.00} which is shown on the statements dated XX/XX/XXXX  and XX/XX/.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I initiated a wire transfer for {$12000.00} from my XXXX account over to CoinBase ( a digital currency exchange ). This wire transfer still has not hit my account in CoinBase and I have no access to my funds. I have actually successfully wired funds from the same XXXX account to the same CoinBase account in the past but for some reason, this wire is being held up on the CoinBase side. I followed all of the instructions CoinBase provides. This is exactly what it states on the CoinBase ( XXXX  ) page when setting up a wire transfer : " Bank wire transfers may be credited to your XXXX account on the same day if submitted by XXXX PT. Otherwise, funds will be available after one business day. '' My wire was submitted on XX/XX/XXXX at XXXX Est so it should have hit CoinBase the same day. I contacted XXXX and they show the transfer was completed on their side with no issues.I was provided this information from XXXX : Transaction number : XXXX and Fed reference number : XXXX As of XX/XX/XXXX at XXXX Est I still have no access to these funds. They are being held on the CoinBase side. I have tried to contact CoinBase numerous times. They have no phone number to call. On their website, the only option to contact them is by a web form. I have sent in a few requests on this web form. I have only received one generic response on XX/XX/XXXX that said this : " Thanks for contacting us, and sorry for the difficulty with your wire transfer. We are aware of an issue with incoming wires, and our engineers are working to resolve it as quickly as possible. We will follow up with you as soon as you we have an update. '' I have had no other responses from them. I have also sent them numerous private message on XXXX to their support department. They have not responded there either.
Product: Mortgage

Please forward this communication to XXXX XXXX XXXX, Office of the Chairman at Citizens Bank ( who will be able to reference the previous communication ). 

Dear Dee : I'm in receipt of your response to the previous complaint through the CFPB ( case number XXXX ). 

While I appreciate your running down every event during the life of the loan, it was unnecessary and had little to do with my complaint. I apologize for any confusion. 

The complaint specifically involves Citizens employing negative amortization to calculate interest on two payments we obviously know we deferred via an offer to customers in good standing. 

Legal precedent clearly indicates that negative amortization violates Truth in Lending, is considered to be a predatory bank practice, and is illegal in many states. When and if negative amortization is employed, it requires full and detailed disclosure in all cases, which was clearly absent in the " PaymentBreak '' offer. 

If US interest had been employed, our interest on the payments we deferred, would have been approximately half the amount Citizens charged us. ( I can when convenient for you, provide two separate loan calculations for illustration purposes. ) What your " PaymentBreak '' offer should have stated was not " interest will still accrue '', but rather " interest on interest '', or compound interest would accrue ''. It furthermore should have advised that these deferred payments be paid back immediately to avoid financial mayhem, instead of stating that Citizens would just tack the deferred payments onto the end of the loan term. 

This is an update to my original complaint.
Product: Mortgage

I 've been applying and submitting some documents to Bank of America loan modification department since XX/XX/XXXX. They have been losing my documents and/or just giving me a run around. It 's a XXXX loan Heloc with balloon payment program. They have been assuring me that they 're working on getting me a loan modification while at the same time, they are also working on foreclosing us since they have filed a notice of default in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

After a house fire that i had in XX/XX/XXXX, I had home owners insurance with XXXX which I paid and they did not found this out when I had a fire. They reinstated my policy then charged me to send my money to me. They kept XXXX dollars. While I was fighting for my insurance in XX/XX/XXXX XXXX had a freak storm and with out my sup pump to empty my flooding house it was finished and was commend. XX/XX/XXXX XXXX filed for foreclosure proceedings. I had in fact paid of my loan. In XX/XX/XXXX in the court of XXXX my loan was in fact paid in full and on XX/XX/XXXX it was drooped and they had to pay court cost and everything else cause they lied. So instead of reporting on my credit report as paid in full they said it was a charge off.I want this corrected. It is a shame how the treat veterans and everyone else.
Product: Debt collection

Collection company has never contacted me, but has recorded a collection account on my credit report as of XX/XX/2020. My wife indicates she paid this bill and I would like the account removed from all credit reporting agencies that they do business with.
Product: Credit reporting 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 XXXX Account XXXX XXXX, XXXX. XXXX XXXX XXXX  XXXX Account # XXXX. 
XXXX. XXXX XXXX XXXX Account # XXXX. 
XXXX. XXXX Account XXXX XXXX. 
XXXX. XXXX XXXX XXXX Accont # XXXX. 
XXXX. XXXX Account # XXXX. 
XXXX. XXXX  XXXX Account # XXXX. 
XXXX. XXXX XXXX XXXX XXXX Account # XXXX. 
XXXX. XXXX XXXX Account # XXXX 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 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 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 to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, personal loan, or advance loan

I contacted the company to ask them to participate in the Debt Management plan I was embarking upon. They would not participate but offered to modify the loan terms. I signed an agreement but could not download a copy of the signed document. After making a couple of months of payments I noticed that 100 % of the payment was applied to interest. I called to inquire and was told that the accurate application of the payment would be reflected soon. Two months later the principal balance still had not changed. I emailed asking for a copy of the signed XXXX agreement as I was unable to download a copy. I also asked for documentation of the actual balance. I received no response so I did not make the next scheduled payment. I later call and asked about the two items. I was emailed a summary of the agreement but not the actual document I signed. I was told that there was an error that prevented them from providing an accurate balance. I was instructed to continue to submit payments and eventually the payments would be accurately reflected against the balance.
Product: Mortgage

To Whom It May Concern, I am writing to request detailed information regarding the transition of my FHA-insured mortgage to a conventional loan. In your recent communication, you attached a document indicating that a loan modification changed the contract in XX/XX/XXXX. However, I have a 1098 Mortgage Interest Statement from XXXX XXXX XXXX dated XXXX that shows no mortgage insurance premiums were collected for FHA, which was 7 years ago. Additionally, I have corroborating mortgage statements indicating that no FHA mortgage premiums were collected. Given this information, it is unclear how a loan modification in XX/XX/XXXX could retroactively change the terms of the loan. As per RESPA regulations, I request you to provide all 1098 Mortgage Interest Statements since the inception of the loan. It is important to note that a loan modification can not change the loan from an FHA to a conventional loan without an actual refinance, which has not occurred. Furthermore, I seek clarification on whether FHA sold the loan. Attached, you will find a statement from XX/XX/XXXX, before the alleged loan modification, which shows no FHA insurance being billed or collected. This contradicts your assertion that the loan modification altered the contract in XX/XX/XXXX. Please clarify if there has been any error or oversight in this matter. It is crucial to determine whether the mortgage insurance premiums owed to HUD have been properly managed. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a payment to XXXX XXXX to pay off and delete the trade line from my account. 

The full amount owed was XXXX. 
I was told that If I paid a smaller amount they would delete and remove the account and sent a letter that says just that. 
It stated " Pay the amount of XXXX and we will consider this account paid off and request removal from the credit bureau '' Once I paid the XXXX, My account still showed that I owed them a balance of XXXX. 
I called and they said they never said they would submit for delete but would submit as settled to the credit bureau. 
I noted that settlement and paid in full are two different things and the language on the letter did not state settlement. 

I went to submit a payment for the remainder of the XXXX and they said it wouldn't process until the next day but I said it should process right away because it's not an ACH. It should've been submitted for the XXXX of XX/XX/2019 but the processing would go through the next day. 

A week goes by and credit is reported and the account is still open ; along with it stating the balance was lower. 

I asked them why they sent a letter saying they would request delete if paid and then not submit the request on the day they submitted new balance? 

They said it takes 30 days to do that but it shouldn't because it's the same submission process on that day. 

So, they've updated my balance with a lower amount owed but the account is and has been paid in full and completely closed out. 

All payments were submitted on 8th and the money was already withdrawn from my bank account on that day for both payments. 

My account should be completely removed from the bureau ; as full balance has been paid and they stated they would submit to have it removed once payment was made. 

They said I will have to wait until next month but all payments were submitted and withdrawn from my bank account on XX/XX/2019. 

They said the submit their credit reporting on XX/XX/2019 So, if that's the case. 
The payment I made earlier in the day shouldn't have been reported either I would like for this account to be removed from credit immediately - As I've not only " paid the settlement '' in their terms but paid it in full as well. Regardless, even if I made two separate payments. They said they would have the account removed if I paid {$290.00} I paid that amount so if they reported on XX/XX/2019 and I had paid what they requested me to pay to have account removed from credit. It should still be removed whether I paid the remaining amount or not but I also paid that extra amount and paid the full balance of {$490.00} so the account should be reported and showed accordingly on the credit.