23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage was purchased in XXXX by Specialized Loan Servicing. XXXX XXXX XXXX. XXXX XXXX, Co XXXX In XXXX the company began purchasing two homeowners insurance policies for the same duration of time. Each policy purchased sufficiently covered the financial responsibility for the property, creating a deficit in my escrow account. The company never notified me of this practice or action. The company then escalated my monthly mortgage payment to include the deficit they created! In XX/XX/XXXX I complained in writing, due to their inaction over the past two years! The company then placed a 60 day late payment on my credit report and purchased two homeowners insurance policies again in XXXX of XXXX while still in talks about this complaint, after notifying the mortgage company Not to Renu the current homeowners insurance policiy and providing them with the correct information on the new insurance company to provide payment to, the mortgage company had already paid to renew the policy and never informed me of the situation. Escalation payments were requested from the mortgage company. I paid the escalated request amounts. My monthly statements were often incorrect or lacking pertinent information. 
In XXXX of XXXX the winter storm in Texas caused sever damage to my home. In XXXX of XXXX I mailed the first installment repair check to the mortgage company for endorsement and I never received the check back to begin repairs. My home remains gutted, with no repair work being done because of the mortgage company 's inability to correct the issues of my concern. It will soon be a year that I have been unable to live in my home! 

In XXXX of XXXX the mortgage company 's attorney requested proof of the XXXX and XXXX double payments to the insurance companys, stating their request was to settle this mix up with my account. I complied and no attempt was made to correct my account. Now their story has changed along with the accounting history of my account. 
I began to pay only Principal and Interest in XXXX of XXXX. In XXXX of XXXX I learned that nothing has been corrected and my principal and Interest payments are being applied to the escrow account imaginary arrears. 
All documents have been provided to the mortgage company along with recordings of my conversations with their employees. The only action taken has been a re-creation of the accounting within my account, within their company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a XXXX XXXX account reporting on my Equifax, XXXX  and XXXX   for a while now as a charge off status, XXXX  has reported it in XXXX and starting XX/XX/XXXX and has not updated since then, Equifax has been reporting but has not been showing in payment history, XXXX last reported this account in XX/XX/XXXX collection. It is evident that XXXX XXXX is not only erroneously reporting this account on my personal credit profile but it is also not reporting information correctly. As a consumer I am aware that under the Fair Credit Reporting Act any information that is incorrect, inaccurate and unverifiable is sufficient for removal. This should not be reported negatively. The documents provided will represent as such.
Product: Student loan

Navient has started offering a School Misconduct Application form for private loan holders who were deceived by their schools. However, getting this form is extremely challenging. It took me multiple calls over two months to obtain it. Initially, I was repeatedly promised it would be mailed, but after persistent follow-ups, I unexpectedly received a digital copy in my Navient inbox. 

After a 45-day wait, my application was denied with a generic statement claiming that " I did not meet the requirements for discharge based on school misconduct. '' I have serious doubts that my application was genuinely reviewed and considered for the following reasons : Countless students on XXXX and XXXX have received the exact same denial response, suggesting a lack of individualized assessment. 
The application form was pre-filled with the specific loan in question, indicating that Navient was already aware of the potential issue and targeting this loan for private discharge applications. 
During the review process, I was notified that my loans were being transferred to another provider, XXXX, further implying that my application wasn't being taken seriously. 
These factors lead me to believe that Navient may not be genuinely evaluating these applications and that the denial decisions might be predetermined or based on factors other than the merits of each individual case.
Product: Mortgage

I spoke with XXXX XXXX with Loan Depot on XX/XX/2019 to refinance our mortgage. 

I was told we locked a 30year conventional loan at a 3.5 % interest rate with no points or origination fees. 

When the 1st loan estimate came back there was not only a {$1500.00} origination fee there was {$4800.00} in points. 

After contacting XXXX numerous times and several emails he replied by saying he was able to waive the {$4500.00} in points but not the origination fee. We then signed the second loan estimate and necessary paperwork agreeing that there would be no points and they couldnt waive the origination fee. 

I have now received a 3rd loan estimate with {$3900.00} in points plus the {$1500.00} origination fee. 

I left multiple messages with my contacts and also tried to contact their managers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Experian and XXXX Credit Bureaus requesting to reinvestigate the disputed Account from my credit report and update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX Balance Owed : {$30000.00}.
Product: Credit card

The timeline is listed below. Apples credit card ( Goldman Sachs ) is refusing to credit a transaction from the Apple store, which they have no record of in the Apple store. They refused to investigate, as I had talked to multiple departments. : Apple merchant services, Apple Phone support, Apple Store, Apple subscription services, and a few departments. I do not know what they do. Apple Inc. has no record of my card/Apple ID used in the Apple store. Furthermore, the dispute resolution notes at Apple card service ( Goldman Sachs ) do not have a reason for the decision to favor the merchant ( Apple Store ). Apple 's credit card ( Goldman Sachs ) decided not to give me my credit back for no reason. Please help! Note : Apple cards do not have a number listed on the cards like normal merchant credit cards, and the transaction was made with my Apple ID, XXXX, under a virtual card number I have no access to. There is no way I could have made an Apple store purchase without it being connected to my Apple ID ( XXXX ) Transaction : Apple store purchase : XX/XX/XXXX {$1100.00} Dispute case number : XXXX I contacted Apple card support ( Goldman Sachs ) XXXX XX/XX/XXXX when I noticed the transaction on my account. They submitted a dispute and credited my account {$1100.00}. They requested I call the Apple store. I contacted the Apple store, and they confirmed no transaction connected to my Apple ID or card. I called Apple Card Support ( Goldman Sachs ), and they resubmitted the dispute. 

XX/XX/XXXX : I contacted Apple support ( Goldman Sachs ) because they declined the disputed transaction. They told me to contact Apple Store to see who made the transaction. After speaking with multiple departments, they confirmed they have no record of the card attached to my Apple ID being used to purchase anything in the Apple store. 
XX/XX/XXXX : I received a notification that my dispute was declined. I called Apple support ( Goldman Sachs ), and they submitted another dispute and requested call back.
Product: Credit reporting or other personal consumer reports

I been disputing these accounts as fraudulent and no one has helped me. 

I am a XXXXXXXX XXXX XXXX who is in desperate need of the guidance from FTC and the credit agencies in order to begin getting my mind, life, credit, education, finances back on track. I just want a fair chance like everyone else. Thank you so much for helping victims like me. I really do appreciate it and I have faith everything will fall into place soon. As per the guidance from the CFPB, the documents needed to block these accounts are attached. I kindly request that you block this information from my credit report pursuant to section 605c of The Fair Credit Reporting Act as a result of XXXX XXXX XXXX XXXX XXXX  Debt Final Rule. Please block all the fraudulent accounts stated in this FTC Report along with these accounts because I couldn't add more than 5 accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Make payments above minimum, supposed to apply to principal, as I write on the stub every time. Nelnet does not apply extra to principal and simply extends the due date.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I had received a call from the chime ( a banking app ) customer support number. I was told that my account was under technical issues and that I would need to transfer the money to a secure account. The app only allowed XXXX XXXX to be transferred to the secure account and the caller used different tactics such as giving a false badge number and using the same music as the real customer service when they would place me on hold. The day after I called on the real customer service line to get them to stop/refund the transaction. There was a dispute placed that has been opened repeatedly but it has been denied every time thus far. There have been calls made to the New Mexico treasury, a lawyer ( was given free consultation ) in order to see how I could recover the money.
Product: Mortgage

I am filing this complaint on behalf of the Homeowners, I have been assisting them since XX/XX/XXXX with their FHA Mortgage loan being serviced by Carrington. 

The couple fell behind with their mortgage initially due to XXXX and was offered and accepted a modification in XXXX XXXX. However, due to ongoing financial hardship they fell behind again and reached out to me for assistance with their XXXX XXXX  application as they had received a denial from XXXX  XXXX. I assisted with an appeal to XXXX  XXXX, they had misread one of the homeowner 's pay stubs. The appeal was approved and the application has been able to move forward. 

XX/XX/XXXX : Carrington Mortgage was informed of the XXXX XXXX application and requested a stall in any foreclosure action. XX/XX/XXXX Carrington Mortgage was contacted for follow up as homeowner received a letter from XXXX XXXX XXXX ( attached ). 

XXXX  XXXX sent a request to Carrington Mortgage through the portal for an " I '' report on XX/XX/XXXX according to homeowner and confirmed verbally by XXXX  XXXX on XX/XX/XXXX. 
Housing Counselor has made several calls to Carrington Mortgage to encourage providing the requested information. On XX/XX/XXXX Housing Counselor was informed by Carrington that they received the request from XXXX  XXXX on XX/XX/XXXX ( not the dates XX/XX/XXXX as stated by XXXX  XXXX ) XX/XX/XXXX : Housing Counselor spoke with homeowner stating a package was attempted to be delivered today from XXXX XXXX XXXX but her XXXX  XXXX  was not able to sign for. Assumes it is XXXX action. XXXX  XXXX reviewed, states XXXX  XXXX filed XX/XX/XXXX. ( attached ) Conference call made to Carrington Mortgage, customer service rep confirmed XXXX action and stated to call back weekly. Call was made to XXXX  XXXX, customer service rep stated they are still waiting for information requested to be provided by XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Otherwise, update ASAP. Below are the inaccurate items from my credit report : Inquiry TEXAS XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXXXXXX # XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Unable to get direct deposit from my day job to my Capitol One account. Capitol One is stonewalling on providing any information to me about what it going on, and unable to provide a timeline for when I will get my money.
Product: Credit card or prepaid card

This company is very rude to me I applied for a store card with them online and it give me a reference number to calll to process when I do they wont and give me a hard time I hate them they treat me like. Garbage and when I go to their store they discriminate me they dont want to give me an account and its not fair they will make any excuse to not process my application or approve me
Product: Debt collection

Let me start this off by quoting XXXX XXXX XXXX Attorney. This was in response to my initial complaint. 

" XXXX XXXX also complains that we violated HIPPA by providing proof of the debt directly to him. HIPPA mandates that patients always have access to their healthcare record. When Mr. XXXX demands proof of a medical debt, it is logical, and required by law, that we send that information to him '' The attorney flat out admits to violating my HIPPA rights. 

HIPPA mandates that a signed HIPPA release is present when releasing medical diagnosis information. This is a clear violation of my Privacy rights. Why do you have a copy of all my medical history? This is not needed to collect a debt.

" If a medical provider is in violation of HIPAA regulations, or a breach occurs that exposes personally identifiable medical information, there are serious consequences including fines and lawsuits. This aspect of HIPAA also impacts medical billing because of the transfer of sensitive, personally identifiable health and financial information to other parties '' This will be the last time i request this be taken off of my bureau. I have consulted with and attorney. If this does not remedy the situation. I will file a HIPPA violation complaint with www.hhs.gov. If that doesn't work I will pay full premium and have you deal with my attorney. I have documented everything in detail.
Product: Mortgage

I applied for XXXX in XXXX and submitted the XXXX to do a short sale. The servicer SLS issued an approval good for 120 days. I did not have a buyer and switched to do a loan modification. The modification was declined. I recently listed my home in XXXX and have found a buyer. SLS will not allow me to participate in XXXX anymore and said that it had expired back in XXXX. They said they only allow the homeowner 's a one time courtesy to participate in the XXXX program. I need help with relocation assistance because I was unemployed for some time and that was the cause of my mortgage delinquency. I have requested them to provide me the investor information and contact info, but SLS will not provide the contact phone number, only the name, which is XXXX XXXX. I do not understand why SLS is saying no, as the investor also gets reimbursed and paid money from the XXXX program. They are not willing to make any exceptions. 
I currently have a buyer who also is willing to pay for the XXXX delinquency dues of $ XXXX. The short sale has been over 30 days now and submitted to SLS. I do not know how long the buyer is willing to wait. I have already received the Notice of Default on XXXX/XXXX/16 and if the buyer walks, the investor can proceed with filing a Notice of Trustees sale and the property be foreclosed if I ca n't find another buyer that is willing to pay an additional $ XXXX out of their pocket. 
The only thing holding up the close of this short sale is SLS not allowing me to participate in the XXXX program. SLS has everything else they need to approve the short sale.
Product: Mortgage

Our client has been attempting loss mitigation with Wells Fargo for several months now. However, Wells Fargos ( WF ) conduct has been in violation of servicing laws and standards as more particularly described below.
AFFIDAVITS FROM PERSONS WITH FIRST-HAND KNOWLEDGE Being filed along with this Complaint are affidavits from persons with first-hand knowledge of the below referenced falsehoods and loan servicing violations by Wells Fargo ; those affidavits contain additional details.
MAKING FALSE STATEMENTS ; FALSLEY AND INACCURATELY DOCUMENTING MORTGAGE LOAN SERVICING AND LOSS MITIGATION FILE On XX/XX/XXXX, we submitted a request for ongoing loss mitigation with the required documentation to WF. It was our understanding that this application was complete. On XX/XX/XXXX, one day before a scheduled foreclosure hearing, WF contacted us and stated that a representative from WF called our office on XX/XX/XXXXand informed us that additional documents were needed for the loss mitigation application. That statement was completely false ; no one from WF contacted our office on XX/XX/XXXXand, until the call onXX/XX/XXXX, no one from WF contacted our office to inform us additional documents were needed.
OnXX/XX/XXXX, our office received a letter from WF datedXX/XX/XXXX, that stated WF contacted our office onXX/XX/XXXXto discuss re-entry and the person from our office who answered the phone refused to take a message. This is yet another false statement by WF. In fact, our office contacted WF on XX/XX/XXXX, confirmed the loss mitigation application was received, and was informed that the documents were being sent to 2nd level for review. At no point did anyone from our office receive a call from WF on XX/XX/XXXX. Additionally, under no circumstance would anyone from our office refuse to take a message regarding a client file.
MOVING FORWARD WITH FORECLOSURE BASED ON FALSE STATEMENTS AND DESPITE COMPLETE LOSS MITIGATION APPLICATION WF closed the loss mitigation evaluation file within a few days of the supposed call to our office informing us of the need for additional documents. Even if such a phone call had occurred which it did not loss mitigation guidelines do not set forth a deadline of a few days for borrowers to provide requested items or risk the loss mitigation evaluation being closed down. The complete loss mitigation application submitted to WF on XX/XX/XXXX included the income documents required by WF ( which WF is again requesting ).
WF has failed to comply with federal and state rules and guidelines relating to servicing and foreclosure by failing to provide loss mitigation assistance when requested, and instead moving forward with foreclosure.
WF is using the above-described false statements and documenting of the mortgage loan servicing and loss mitigation file as a bad faith pretext to move forward with foreclosure and to cease loss mitigation evaluations.
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 reportedd 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX, SC XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, SC XXXX XXXX XXXX : {$7900.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$2700.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$630.00} XXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$9900.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1800.00} XXXX XXXXXXXX Balance : {$710.00} XXXXXXXX XXXX XXXXXX/XX/2023
Product: Mortgage

Ocwen loan servicing assumed my mortgage roughly 2 years ago. When they assumed the loan, I had a payment trailing due to my husband losing his job after a XXXX related to his XXXX XXXX. I have tried multiple times since then to resolve the issue. Ocwen will only offer me loan modification and that is not likely due to my current credit issues. I have paid extra to Ocwen but they hold the extra that is paid and do not apply it. Currently there is {$350.00} sitting somewhere and not being applied to the mortgage ( see attached pictures ). Ocwen has also charged me fees such as {$25.00} to come to my home to place a note on my door stating to call them because of a late payment ( payment that was not paid when they assumed the loan from XX/XX/XXXX ). When I called them about this issue they stated that they need to make sure that the property is still occupied. I demanded that this stop due to the fact that I was making a monthly payment to them every month and had tried to resolve the issue multiple times. It did stop at that point. 
In XX/XX/XXXX, my husband and I were forced to file bankruptcy due to him still having issues and being unemployed. I have been making my mortgage every month and intended to keep my home. Ocwen has filed paperwork stating that I have not made a mortgage payment to them since XX/XX/XXXX, though I have the bank statements and cleared checks to prove otherwise. 
This company is fraudulently attempting to foreclose and will work toward a resolution. They refuse to give a forebearance and place that payment at the end of the loan. They have only offered modification which I have explained I do not need. I can afford to make the payment but I can not come up with the over {$2000.00} in overdue and fees that they state that I owe. 
In XX/XX/XXXX, they refused to accept a payment from me because I was in Chapter XXXX even though I called to make a payment to them. After much run around, I was finally able to obtain an address to mail payments to and began sending my monthly payment to the address that I found. When I send the payments, it takes over XXXX weeks to clear and they are stating that they are not receiving those payments.