23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I XXXX XXXX a federally protected consumer was sent a collection notice from SUTTELL & HAMMER ATTORNEYS AT LAW on XX/XX/XXXX. SUTTELL & HAMMER ATTORNEYS AT LAW has threatened me and used abusive tactics in their letter sent to me, which I did not give them permission to send me in the first place.

SUTTELL & HAMMER ATTORNEYS AT LAW has violated federal law when they sent a bill to my home saying that I owed them {$2000.00}. They violated my consumer rights right there pursuant 15 USC 1692b. They also violated 15 USC 1692b ( 5 ), 15 USC 1692B ( 2 ) 2 TIMES and 15 USC 1692c ( by sending the letter to my home ). 15 USC 1962 TWO TIMES, 15 USC 1692E ( 10 ) FOUR TIME and 15 USC 1692E ( 3 ). There was no proof in the letter that said alleged debt was owed, just some nonsense about XXXX, XXXX being the creditor, with no factual evidence to back it up. 
I am suspecting this is identify theft on my end. I sent them over a debt validation letter along with a cease and desist and a affidavit of truth along with a {$10000.00} invoice for their violations against me. This was all sent via return certified mail sent on XX/XX/XXXX and an individual received this on XX/XX/XXXX at XXXX.
Product: Mortgage

The process with Cross Country Mortgage began in XXXX XX/XX/2021. We applied for a homestyle refinance and had initial disclosures bring our payment to XXXX a month. We discussed how to get the payments lower to around XXXX. My loan XXXX XXXX XXXX discussed a one time insurance payment option that would lower it. Throughout this process interest rates continued to rise and XXXX refused to lock in my rate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to the point where he could not remember phone conversations that we had. Staff from cross country went on vacations or did not want to speak with me. In fact XXXX XXXX during one conversation that lasted 10 minutes stated. " Well this is 10 minutes of my time I will not get back. '' We moved out of our house to a temporary apartment on XX/XX/XXXX with the understanding we would be closing shortly after. It is now almost the end of XXXX. We have not closed and no renovations have begun. I have lost out on thousands of dollars renting this apartment with no work being done. We will have to extend the lease if even possible which will cost more. Our monthly payments for our mortgage have grown to XXXX a month which is outrageous because of interest rates and the fact that lumbar costs went up due to the mortgage company taking so long. On top of that they had to switch our program to a XXXX FHA loan instead of the homestyle refinance because of a lien on our house that they originally said could be paid off through the homestyle refinance but then just 2 weeks ago said it couldn't and so we needed to switch the type of loan in order to have no money at closing. I can not continue to live like this. This process has caused me to experience XXXX XXXX XXXX ailments to due to the stress. I have emails and text messages about everything. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on ( XX/XX/2023 ) to remove the inacurate items that is UNKNOWN to me to bureaus. I came across the law today and according to the Per FCRA you are required to update any accounts or information not later than 4 business days after the ( XX/XX/2023 ). 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX  XXXX  of Debt XXXX and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. XXXX XXXX {$0.00}, XXXX XXXX {$780.00}, XXXX XXXX XXXX {$10000.00}.
Product: Credit card or prepaid card

Since I have opened this account I have frequently paid within a 60 day widow and have never had any issues until now ... .. I brought my acct current on XX/XX/19 bringing my available credit limit to XXXX. I was informed that I will not be able to use the card for 2 months of regular statements and payments on time ... I need to use this card to make purchases for my daughters upcoming prom ... This is an unfair practice I paid bill and should be allowed to access my available credit and they are holding my card hostage .... This is just one of multiple issues with XXXX XXXX XXXX including improper posting of payments and unfair incorrect credit report reporting ....
Product: Mortgage

I have been in my home for 18 months. On XXXX XXXX, XXXX the current servicer of my mortgage ran an escrow analysis that resulted in my monthly mortgage payment doubling from {$1400.00} to {$2900.00}. This was reportedly the result of the XXXX property taxes being grossly underestimated in the payment schedule presented to me. I have a 30-year conventional loan with a fixed interest rate. The new payment of {$2900.00} is being imposed over 12 months in order to reimburse the XXXX Escrow shortage and to make the XXXX Escrow balance current. My finances will not allow me to make these substantially increased payments on this mortgage at the new monthly payment. The home I bought was a new construction home direct from the builder and I used a mortgage banker that the builder considered to be preferred. I went ahead and used this mortgage banker to originate and fund the loan and upon closing the deal, the mortgage was sold to another financial institution who now services the loan. At closing, the Title Company included a Payment Shock Notice, which makes mention to an expectation for bills to increase substantially and my monthly escrow payment could be much higher. These terms are very ambiguous and the increase I experienced is not substantial, it is tremendous and I feel, in no way should be considered reasonable to impose on a consumer. My inability to afford this new payment will cause me to immediately default on the mortgage, it will cause financial turmoil, and will cause immeasurable disruption to my family. It appears that there was an error on part of either the mortgage banker who wrote the original loan, or the current mortgage servicer that took over the loan. This situation is absolutely unreasonable, and my family is the victim of a massive mistake that was made by a professional organization that we trusted to handle the transaction of purchasing a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone got my information and opened up lots of accounts in my name.XXXX, XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

National Credit systems is reporting erroneous information to XXXX   Credit bureau and XXXX. I have submitted a complaint before about a month or two ago and they sent responded through CFPB with an affidavit for ID theft. ALL THE CREDIT BUREUAS AND them have copies of my ID theft and police reports. I do not understand how a company can continually report false information damaging someones financials with no repercussions.
Product: Credit card

I opened a credit card account in hopes to better my credit With First Digital credit. I dont believe Ive XXXX and terms or conditions. I made a error by paying my full balance which prompted an alert on my account which restricted my account. They want me to provide statements on account that has been closed checking account and no longer have access. They are taking me through very difficult obstacles to unrestrict.
Product: Bank account or service

Citi Banks has failed to open an account under the Fair Credit Reporting Act. Citi Bank has failed to transfer funds under the Electronic funds Act, from the XXXX to, Citibank N.A.XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.
Product: Debt collection

Have been disputing this account as not mine for the last 7 months. I have sent request to the credit bureaus as well as to Jefferson Capital Systems directly and they have not sent me a response back or proof showing that this is my account bearing my signature. They continue reporting this fraud account on my credit report. Violating the FDCPA and FCRA.
Product: Credit card or prepaid card

To whom it may concern : On XX/XX/XXXX, XXXX, I received a letter from Bluebird stating that I requested my account to be closed and was issued a check for the balance of my account. However, I did not request that my account be closed. My account was closed after filing valid disputes. 

I contacted Bluebird by phone and was told my account is locked and suspended. I was told if I wanted to know the reason why my account was closed, locked, and suspended to write a letter. As of today, no one has responded to my letter. 

In Addittion, I had active disputes open with XXXX for merchant XXXX who is attempting to issue me a full credit but must do so through Bluebird. 
I also need to confirm that merchant XXXX XXXX provided a credit in XX/XX/2021. 
XXXX XXXX has informed me they have returned the monies to my account and I believe Bluebird has issued a check for this. 

Please investigate and determine why my account was closed when I have not violated my member services agreement. 
Thank you for your time.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I called Experian and spoke with a representative named XXXX. After back-and-forth banter I asked for the verification method used to verify my dispute as I am allowed per FCRA XXXX declined and said that Experian does not abide by that. Asked to speak to a supervisor, and was taunted by him, saying. what are you mad you didnt get the answer you wanted after that, I continue to ask for a supervisor after going back-and-forth he finally transferred me to the supervisor the supervisor who picked up the phone call was XXXX. I politely conveyed my concerns and asked for the verification method used to verify my dispute. She then became very irritated and agitated with me and said the same thing XXXX said that Experian does not provide that information. It is my belief that XXXX and XXXX are familiar with each other And spent time on the phone before I was transferred conspiring not to help me after XXXX declined to provide me further information. I notified her that I would be filing a complaint with the CFPB. We disconnected the call and an hour later I received a call it was from XXXX, this time she was polite and ready to help but I believe she was just trying to save face so I didnt name her in this complaint. 
The true issue is there is an account on my credit report from possible financial that is displaying inaccurate information after trying to get this corrected. I was not seriously by experience per FCRA. 1681B. States Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning th individual about whom the relates. Experian did not do this. 
Per my payment history, it shows that there were payments made in XXXX, but the account allegedly was not open until XXXX as it is shown in the document but when I called and spoke to representative the next day, she said the first payment wasnt made until XXXX at this point there is no accuracy or credibility
Product: Mortgage

My husband passed 6 months ago, the mortgage from Wells Fargo was only in his name because of a bankruptcy I had several years ago. I waited for the first XXXX taxes to be paid and decided to pay off the home with the life insurance money. They sent the escrow check in his name the the bank Wells Fargo would not let me deposit it. We left his name on the account for any checks that came in his name. They started communication with the mortgage company and they asked for the death certificate and one was sent. They then sent a letter to my deceased husband telling him they could not sent the check to me. They then asked for a letter from the banker, that was sent, again they would not comply. They then asked for a copy of the will, again sent along with another death certificate, they stated that was not good enough. My lawyer then sent a letter stating that this was the only will and my husband was struck with a XXXX and that opening an estate account for just this would be a hardship to please return the escrow. Again they stated they now want a letter from the local court house. They will not even allow me to send the bill for the final tax of the year and pay it instead of sending me the money. Pennsylvania does not require an estate be set up if passing from spouse to spouse, this is the ONLY company giving me a hard time. I also now think I am entitled to interest on this money since they want to play this game with me. I have complied with every request they have asked for. I just want to pay my taxes with money that is rightfully mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported a credit card as lost in XXXXXXXX XXXX XXXX. It is a revolving credit account with XXXX XXXX. The account number I reported lost ends in XXXX. They mailed me a replacement card ending in XXXX. Equifax is reporting I have both accounts active. They are the only credit bureau who is reporting this incorrectly. I have filed disputes on XXXX, XX/XX/XXXX. 
All disputes resulted in them making no changes. They claimed they contacted XXXX XXXX  and confirmed I have 2 accounts, which I dont. I have a letter from XXXX XXXX  stating I have only the one account ending in XXXX.
Product: Student loan

In  XX/XX/XXXX  I signed up for the student loan forgiveness repayment program as I 'm a   XXXX   XXXX  , working for a   XXXX   XXXX  . I was told in ten years my federal loans would be dismissed. In   XX/XX/XXXX  I  noticed I was no longer in the repayment forgiveness program. I calle d Navient and they said I would have had to renew this each year. I told them I was unaware of that and I never received anything in the mail to notify me to renew. Navient stated that it 's only a courtesy to send out renewal paperwork but they do n't necessary do it. They did not help me. Basically I lost five ye ars of payments toward loan forgiveness. They deceived. And they did n't care.
Product: Credit reporting or other personal consumer reports

Fraudulent credit account opened in my name XXXX XXXX XXXX XXXX XXXX with Affirm. I noticed it on my credit report, and opened a dispute with both XXXX and Affirm. I have called numerous times, each time a new dispute is opened and I'm told that I would be contacted. I am never contacted. A few months ago, I enlisted help from XXXX XXXX XXXX to assist. Affirm still has not contacted me related to this account and has not provided any additional information related to a resolution. Every time we call, someone says they will make a note and someone will get back to me. It's been 7 months. 

Account opened : XX/XX/year> Dispute Case # XXXX
Product: Bank account or service

I recently opened a checking account at chase with a opening deposit of {$1500.00} XX/XX/XXXX for a promotional credit of {$300.00} after a direct deposit. I fullfilled the requirements and received the {$300.00} credit to my account. My checking ATM card stopped working the two weeks ago and I could not log into my account. 

When I called, I was notified that my checking account was closed on XX/XX/XXXX. No reason was offered for the account closure after speaking XXXX people at the XXXX number and at my local branch. They also notified me that they would only return {$1200.00} in my account and was revoking the promotional credit I had earned. As of XXXX weeks and XXXX days, my funds have not been returned to me and I did not even receive a formal notice of account closure. 
I believe Chase systematically closes acccounts and holds customers funds hostage for excessive amount of time with no reasons offered after a cursory XXXX search on the matter.
Product: Credit reporting or other personal consumer reports

I called equifax because when i pulled my report up on equifax.com the only things i see is one address that belong to an authorized your and the one account from the authorized users account, but I am not seeing the rest of my report. I was in the middle of getting my car loan and already had my pre approval so when my bank went to submit my loan my whole credit profile ie erased other then the one authorized user account and their address. I ask them is there anyway they could delete my online account so I can see if that would reset my profile so way and the XXXX operator XXXX XXXXXXXX XXXX stated she could not close the whole account out so I can create a new one. This has messed me up from getting my car loan today and now this has effected me from being able to make it to work. I need for my credit profile to show all my information accurately.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had one late payment on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following date ( XX/XX/2020 ) I'm now requesting you investigate this account and update this payment to paid on time immediately. Thank you for your understanding and prompt action. 

ACCOUNT NUMBER:XXXX
Product: Debt collection

The company is XXXX. The collection agency is Total Customer Service , Inc . However, I ironicaly was treated with horrible customer service when calling to dispute the debt & in fact, the gentleman I was talking to on the phone literally just hung up on me while I was talking ... It was rather rude. 
So anyways, I received a promotional letter, for what appeared to be a sweepstakes giveaway with a large cash incentive as the main prize. Naturally curious as to winning the cash prize, so I could clear other legitimate medical debts of mine, I called the number on the letter that I received & was instantly asked a few various simple questions about my life. Then after answering those survey questions, they said I qualified for a free nice watch & they requested my address to send me the free watch, that was promised to me. Next, they also requested my credit card info to verify my age/identity/etc ... After collecting that info, they had an immediate request for money to start a magazine subscription, to which i declined, multiple times. I was assured that I 'd was getting the watch still, however I never received it & instead a women 's beauty magazine of some sort was mailed to me by them but it actually went to my Mother 's address ... Which by the way, she 's a witness for the entire incident & was present during the conversation I had initially. I definitely NEVER ordered a magazine subscription or authorized a charge for anything of the like. I 'm a XXXX year old male & it was a women 's beauty magazine that they sent me, which should hopefully reveal how much of a scam this was/is. I hope others are n't being harassed with ridiculous fraudulent charges from this con-artist company. It is a complete scam & they lie to you about everything that is " offered '' or " won ''. MY card had no funds on it so the purchases never processed, which I mentioned to them on the phone so they would n't attempt to charge anything, yet it appears that they did. Recently I received a bill from them for a collection of {$67.00} or something close to that price, via the mail. Except, I 'm confused how I owe anything? I definitely do n't & regardless of the watch or the amount of supposed " debt '', this is all just fundamentally incorrect & morally wrong/unfair for me, as well as any other member of the general public that they 've prey on for falsely, " owed '' money. Please help us good people.. In my opinion. this company should not be allowed to operate.
Product: Mortgage

My complaint is with Ditech formerly known as GreenTree servicing LLC. I was informed by my Realtor on Saturday that he pulled up auction as he does and my home was listed to go up for auction on Monday XX/XX/XXXX. My home had been up for short sale and has some potential offers coming through. I made contact with Ditech Monday morning XX/XX/XXXX and talked with a rep and asked if sale could be postponed so my realtor can drop price and get an official offer. I was told by the XXXX rep that she will send to upper management and will callback within a hour. No callback so I called and was told still had not heard anything and that I should try back. I called back 2 more times and they new nothing. I called Tuesday morning and talked with my normal Rep XXXX. She looked over case and asks the normal questions is it your intent to keep the property as they do every time you call and I have been since XX/XX/XXXX been saying no its up for short sale. I asked her about auctioning of house scheduled for XX/XX/XXXX and that we have not received any notice and that only reason that we know if because of realtor seeing home on auction list that he gets. She said that we notified your realtor. I said no you didnt and why would you tell them and not send some sort of notice to me the homeowner. She then bags off and says well we cant speak with you because your intent is not to keep that property. I said that has been this way since XX/XX/XXXX and you all have called me 2-3 times a week. XXXX then states that they can talk to me if I call them. I told her once again they have been calling weekly. XXXX hangs puts a manager named XXXX on the line who tells me that my short sale was denied back on XX/XX/XXXX. I informed her that I was not under short sale then. She then tells me that it was denied XX/XX/XXXX. I told her I received a letter from them stating that my modification was denied and that I have other options such as Short Sale or Deed in Lieu of. I am supposed to be doing Short sale so what is problem. She said oh well nothing we can do. I then asked her when was I gon na be notified that house is up for auction and she tells me oh the sheriff will serve you or you will receive certified mail. Neither has happened and auction is on Monday XX/XX/XXXX and its XX/XX/XXXX. This is not the only issue with Ditech formerly known as GreenTree. I have never received notice that they were taken over by Ditech as recovered by law. I also have not received a statement from GreenTree/Ditech in almost 2 years. I have filled out modification paperwork over 7 times only to be denied each and everytime. The have violations they have committed.