23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My loan was originally serviced by XXXX XXXX XXXX. After the coronavirus forbearance concluded, I applied for a loan modification with them and submitted a facially complete application and was approved for a loan modification on XXXX XX/XX/2021. Three trial payments were to be made by XXXX XX/XX/2021, XXXX XX/XX/2021, and XXXX XX/XX/2021. I submitted timely payments to XXXX XXXX XXXX on XXXX XX/XX/2021 and XXXX XX/XX/2021. My loan servicing was transferred to Freedom Mortgage on XXXX XX/XX/2021. I then made the final trial payment on XXXX XX/XX/2021 to Freedom Mortgage, completing the requirements of the loan modification agreement. However Freedom Mortgage has refused to honor the loan modification agreement, and on XXXX XX/XX/2021 started a new loss mitigation process and is requiring that I start the process over. This is in direct violation of 1024.41 which states : An application that was facially complete under 1024.41 ( c ) ( 2 ) ( iv ) with respect to the transferor servicer remains facially complete under 1024.41 ( c ) ( 2 ) ( iv ) with respect to the transferee servicer as of the date it was facially complete with respect to the transferor servicer. If an application was complete with respect to the transferor servicer, but is not complete with respect to the transferee servicer, the transferee servicer must treat the application as facially complete under 1024.41 ( c ) ( 2 ) ( iv ) as of the date the application was complete with respect to the transferor servicer. 

I called Freedom Mortgage on XXXX XX/XX/2021 XXXX Central Time to discuss this matter, and after 83 minutes, was advised I would need to complete their loss mitigation packet. These deceptive and predatory practices are intended to harm the consumer, and I am sure that I am not the only affected consumer and fear many others will be adversely affected by Freedom Mortgage.
Product: Money transfer, virtual currency, or money service

I opened my account with Square on XX/XX/2024, and was using and processing payments until XX/XX/2024. Suddenly on XX/XX/2024 I recieved an email that my account has been closed. 

They are telling me I can not receive the payouts that I processed with them ( {$8000.00} ). 

And that my account has been closed and I can no longer process payments. 

I have sent emails- called- and I have received no support back, not even telling me why my account was shut down. 

So essentially they are holding {$8000.00} that I have processed.
Product: Mortgage

I have been deffering my property taxes fo 10 years. First with Nations star ( took over XXXX XXXX XXXX   loans as I recall ). As provided by Texas law. And now the loan is with Mr. Cooper. 

For some unknown reason Mr. Cooper paid all of the accrued property taxes ( in error I assume of {$69000.00} ). They indicated they had contacted XXXX county to get a refund because of the error and XXXX county advised it would take 60-90 days to respond. 

In XXXX they informed me they would have to raise my payment from {$1300.00} to {$3100.00} ( {$1700.00} ) I assume to reimburse them for their error. I can not afford that, the reason I was defferring taxes. 

I complined about the action and they responded. And after talking to several representatives. They advised me my payment would remain at {$1300.00}, and the XXXX statement reflected that amount. I have a response stating that amount. 

Today I recived a new statement dated XX/XX/2019 due XX/XX/2019 and the escrow account is $ XXXX. Back to the original problem.. 

My loan number is XXXX. 

I am concerned as I am on a fixed income and can not pay the additional {$1700.00}. 
Why should I be penaalized for their incompetence? 

I understand that everything will be paid when we sell the house and or the owners are deceased. 

Your help or advise would appreciated. 

Respectfully, XXXX XXXX 512 t
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and XXXX the one who submitted a complaint on XX/XX/2022. This account ( XXXX XXXX XXXX XXXXXXXX XXXX ) is reporting on my personal credit file with XXXX, XXXX, Experian ( Credit Reporting Agencies ). This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The CRA & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the CRA & DF have not provided me with any evidence of an open contract, signed contract or any valid proof that this was opened, authorized or created by me.
Product: Checking or savings account

Over my tenure with Bank of America, I was wrongfully charged overdraft fees on my banking accounts. The bank would time my withdrawals so that something would come out after it should have already came out and then when it went negative, they would charge me a {$35.00} overdraft fee.
Product: Mortgage

On the statement dated XX/XX/XXXX there is a cover letter included with this complaint. That cover letter states that if I want to despute any portion of the debt owed to do the following. 

" How can you dispute the debt? 
Call or write to us by XX/XX/XXXX, to dispute all or part of the debt. If you do not, we will assume that our information is correct. 
If you write to us by XX/XX/XXXX, we must stop collection on any amount you dispute until we send you information that shows you owe the debt. You may use the form below or write to us without the form. You may also include supporting documents.

What else can you do?

Write to us and ask for the name and address of the original creditor, if different from the current creditor. If you write by XX/XX/XXXX, we must stop collection on any amount you dispute until we send you information that shows you owe the debt. You may use the form below or write to us without the form. You may also include supporting documents. '' On XX/XX/XXXX I called and spoke to a service rep and was hung up on. I called back and waited for 40 plus minutes for a supervisor that then hung up on me again after she stated how she needed to educate me. 

I asked them both to validate the late fee of {$88.00} on this mortgage as I believe it is incorrect. They both went back through statements from prior servicer and did not find an instance where a late fee was assessed. I asked for it to be removed and they did not. They became argumentative and hung up. The loan was transferred to the prior servicer in XXXX of XXXX. Before that the loan was with XXXX XXXX and I reviewed those records back to XXXX of XXXX. I was simply doing as the cover letter asked. I am submitting this complaint because I doubt that they will follow up. Both reps stated that the late fee was listed on a statement with the prior servicer. I am not disputing the age of the late fee I am disputing the validity. I am requesting this late fee be validated or for Fay Servicing to stop collecting on that debt. 

Also my previous complaint to CFPB mentioned an incorrect Escrow analysis. Fay Servicing acknowledged the error in the escrow analysis. After submitting the previous complaint I called on XXXX the XXXX and again on XXXX the XXXX and requested a corrected escrow analysis be completed. As of yet it has not been done. I believe I am entitled to a correct accounting for all future escrow activity. Let me know if you can comply with request as it is the 3rd time I bring it up.
Product: Credit card

This is absolutely the worst online buying experience that I have had in my entire life. I purchased a coffee table ( XXXX  2023 ) for {$780.00} and it was damaged so the company, XXXX sent me a second table at no charge. That second table also arrived damaged ( XXXX XXXX, 2023 ) and the company did not initially respond to my emails so I filed a dispute with my credit card company. Finally, the company told me that they would refund my money and that I didn't need to return the item, but they could only do it if I withdrew the credit card dispute. However, they waited for me to withdraw the dispute then they told me that they " accepted '' the dispute and sent the funds back to my bank. My bank ( Chase ) has confirmed that they have not received the funds and now I am still owed the money. Chase also says that I am not eligable for a dispute, which makes no sense. The company tricked me into withdrawing my dispute and now refuses to help me ( please see attached email correspondence ). This is a final attempt to collect before I file the case with small claims court. I hope that you can resolve this.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019. Two fraudulent transfers were made from my JP Morgan Chase account ( ends with XXXX ). 

XXXX XXXX, 2019 XXXX with XXXX payment to XXXX XXXX XXXX JPMXXXX XXXX debit - {$750.00} XXXX XXXX, 2019 XXXX with XXXX payment to XXXX XXXX XXXX JPMXXXX XXXX debit - {$1100.00} We did not authorize the transfers and did not know who those recipients were. We closed Chase and filed a police report ( in XXXX CA ). The transfers made when my home computer and cable modem turned off. I received a letter from Chase saying that 'We found that transaction was processed correctly or was authorized '. Please help. 

Thank.
Product: Credit reporting or other personal consumer reports

Contacted experian and they refuse to remove all of my old addresses. FCRA states all information must be accurate and incomplete experian refuses to remove all old addresses phone numbers from my consumer report
Product: Debt collection

This is a debt that until recently I found out was actually under XXXX XXXX XXXX and was sold to XXXX XXXX in XX/XX/2013. I do not even recognize this debt and have tried numerous times to get this off of my credit report to no avail. I do not owe this debt. This debt is not mine and is not in any way associated with me. Also I noticed that during this period ( XX/XX/2013 ) there was evidence of deceptive credit enrollment practices by XXXX XXXX XXXX and XXXX XXXX of up to {$34.00} XXXX dollars. They are trying to collect on a debt that was probably created by them during a period of their own unlawful practices. 

See : XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX XXXX card # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX froze my account.in XX/XX/2017..will not allow any transactions and refuse my many written and oral requests for a explanation .. I still have a substantial balance in my account.
Product: Debt collection

The inaccurate information above was never verified to be in line with official reporting standards. The information above was never confirmed to be accurate, complete, timely, or valid. You must provide proof of compliance with reporting standards and applicable consumer laws. The information above is insufficient.
Product: Checking or savings account

Navy Federal Credit Union, a bank that takes pride in claiming to take care of its service members. This is not the case whatsoever. They charge ridiculous amounts of banking fees, and delay processing any financial information such as deposits, linking accounts, etc. I have paid more in banking fees than ever expected after a fraud claim. The bank has done nothing to help but put me  XXXX  negative. Another paycheck gone to this bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I complained about Experian and also about data that was wrong on my FICO score. It was never resolved, and then I realized you are part of the Experian. You should be ashamed of yourselves. I have credit and have paid for cars, two homes, and was sick for two months in 2016, and it is still held against me that once in my life, I got ill and missed a payment for one or two months ONLY. You are a XXXX sexist, ageist organization, and I hope you are reformed or shut down. Don't bother answering. I know you don't care. But go to XXXX. I feel better. Your parents must be so proud that they raised many con artists that prey on the poor and the elderly.
Product: Credit reporting, credit repair services, or other personal consumer reports

FedLoan Servicing has failed to remove off the XXXX Credit report. XXXX has failed to properly investigate this dispute and failed to remove FedLoan Servicing from the credit report. XXXX an XXXX have both removed FedLoan Servicig off the credit report and FedLoan Servicing has also verified removal from XXXX and XXXX. XXXX is not investigating this dispute and both XXXX and FedLoan Servicing are still reporting to XXXX without any verifiable proof they should still be on the report. All accounts from FedLoan Servicing shall be removed off the account since XXXX out of XXXX bureaus have already properly and correctly done so.
Product: Credit reporting or other personal consumer reports

Remove the inquiries off of my Experian credit report
Product: Credit reporting or other personal consumer reports

I have previously sent disputes requesting verification and debt validation for the item ( XXXX ) listed below. Additionally, I have requested specific method of verification ( MOV ). Equifax is not fulfilling the obligation under FCRA XXXX ( c ) ( XXXX ). Validation using XXXX XXXX XXXX is improper validation and a violation of FCRA. The absence of method of verification and validating debt ownership via third party fails to meet the XXXX XXXX XXXX XXXX ' guidelines for what constitutes proper debt validation. Additionally under FCRA XXXX, I am requesting investigation as to the accuracy of the records on this debt. 

The FCRA requires the CRA to assure maximum possible accuracy with your credit file. [ XXXX XXXX. XXXX XXXX XXXX ] ( b ) " Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates ''. How is it possible that maximum accuracy is assured when thecompany is verifying erroneous information to the CRA through an XXXX, and hasn't provided you with proper validation of the debt? 

Under XXXX ( b ) ( l ), FAIR CREDIT REPORTING ACT/REGULATION V when a furnisher receives notice from a CRA that XXXX consumer disputes the completeness or accuracy of information the furnisher provided to the CRA, XXXX must investigate the disputed information, review all relevant information provided by the CRA, and report the results of its investigation to the CRA. 

Please provide information to the following questions When was the dispute started internally at Equifax? 
When was the dispute sent to the original information furnisher? 
When did Equifax receive a response from the original information furnisher? 
What information was sent to the original information furnisher and what detailed information was received from the original information furnisher in response to the dispute? The furnisher is required to investigate their records and ensure that they are accurate as well as Equifax is required to have an INDEPENDENT role and actively investigate a dispute and compare evidence. The case law XXXX XXXX Equifax XXXX, UNITED STATES XXXX XXXX XXXX, FOR THE THIRD CIRCUIT, No. XXXX XXXX XXXX XXXX, the judge ruled that Equifax violated XXXX Fair Credit Reporting Act by failing to compare evidence. Equifax has failed to provide an INDEPENDENT debt verification, specific method of verification, and accurate debt validation. 

XXXX XXXX XXXX XXXX, XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are inacurate and are in clear violation of my privacy. 
This is embarrassing and damaging to my reputation as a consumer. 
As a Consumer I demand the following accounts to be DELETED from my credit report immediately. 
I DID NOT give any written instructions to have any of these accounts on my consumer report. 
As a consumer I have a right to privacy and they are in violation of my rights.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding Experians failure to properly investigate and resolve disputes concerning my credit report. Despite previous disputes, the following accounts remain inaccurately reported : XXXX XXXX ( Date Opened : XX/XX/XXXX, Status : XXXX through Bankruptcy XXXX  XXXX ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Status : XXXX through Bankruptcy XXXX XXXX XXXX  ), XXXX XXXX  XXXX ( Date Opened : XX/XX/XXXX, Status : XXXX through Bankruptcy XXXX  XXXX late ), XXXX XXXX  XXXX ( XXXX XXXX XXXX XX/XX/XXXX, Status : XXXX through Bankruptcy XXXX XXXX late ), XXXX XXXX XXXX XXXX ( Date XXXX XXXX XX/XX/XXXX XXXX Status : XXXX through Bankruptcy XXXXXXXX  XXXX ), XXXX XXXX XXXX XXXX ( Date XXXX XXXX XX/XX/XXXX XXXX Status : XXXX through Bankruptcy XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XX/XX/XXXX XXXX Status : XXXX through Bankruptcy XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XX/XX/XXXX XXXX Status : XXXX through Bankruptcy XXXXXXXX XXXX late ), CXXXX XXXX ( Date Opened : XX/XX/XXXX, Status : Paid, Closed ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX through Bankruptcy XXXX XXXX ), XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX through Bankruptcy XXXX XXXX ), and OFFICE OF THE ATTORNEY GENERAL ( Date Opened : XX/XX/XXXX, Balance : {$190.00}, Status : Open ). These accounts should show as Paid/Closed with no negative payment history or remarks suggesting otherwise. Additionally, Experian has closed prior CFPB complaints referencing a past legal action I initiated against them, which is unacceptable and appears to be an attempt to sidestep accountability. This practice violates federal law, specifically the Fair Credit Reporting Act ( FCRA ), and the recent CFPB lawsuit against Experian highlights systemic failures in their dispute resolution processes. I am requesting a thorough reinvestigation of each dispute, compliant with FCRA regulations and based on the documentation I have submitted previously, along with accurate corrections to all disputed accounts to reflect their proper status ( Paid/Closed, no negative payment history or remarks ). Furthermore, the CFPB must ensure Experian does not dismiss future complaints solely due to my prior legal actions against them. This matter is urgent and materially affects my ability to access financial services, and I appreciate your assistance in holding Experian accountable for their legal obligations.
Product: Debt collection

Submitted a previous complaint on this company and have provided verification/documentqtion that I do not owe this debt. I have asked to not be contacted but I receive at least 2 calls per day from the Debt Collector and at this point I am deeming it harassment. I am wanting them to know that I will pursue legal action for harassment should their communication attempts with me continue. Should they need further documentation/information they need to contact the original creditor and NOT me. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an alleged late payment reported on my account. This late payment was reported by XXXX XXXX - Account # XXXX to XXXX and XXXX, and I believe that this entry is inaccurate. The payment in question is identified as " late '', but i do not believe that the creditor has followed the legal requirements to report it as such under the Fair Credit Repoting Act ( FCRA ) and related laws.

Legal Basis for Dispute : Under 15 U.S Code 1681a ( 2 ), the term " consumer report '' does not include reports that solely contain information regarding transactions or experiences between a consumer and the person making the report. As such, any transaction or experience between myself and XXXX regarding this account should not be included in my consumer credit.

15 U.S. Codes 1681a ( 2 ) ( A ) ( i ), 1666b, and 1637 ( b ), the information reported to the credit bureau is invalid, and there is no basis for it to remain on my credit report. 
Request for Action : If SST/Seedfi can not provide the necessary proof of mailing or deliverry of the required information. I request that this late payments be deleted from my credit report. Faliure to do so will be considered a violation of 15 U.S Code 1681s-2, which prohibits the reporting of inaccurate or unverifiable information. 
I respectfully request that you take appropriate action to remove this inaccurate late payment entry from my credit report within XXXX calendar days of recieving this notice. 
Late Payments in Question Charge Off as of XX/XX/XXXX Collection as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Thank you for your promptattention to this matter. I look forward to your response and information that they disputed late payment entry has been removed.
Product: Checking or savings account

On XX/XX/XXXX, a {$380.00} transaction from XXXX caused my Bank of America checking account to be over drawn, a {$35.00} fee was charged on XX/XX/XXXX, which made the account {$410.00}, so on XX/XX/XXXX I deposited {$300.00} into my Bank of America checking account. There was a {$68.00} XXXX XXXX XXXX transaction pending, therefore my receipt stated my balance was - {$180.00}. I planned to deposit the {$180.00} on XX/XX/XXXX, once I had more money ; however on XX/XX/XXXX, I discovered Bank of America, went back and updated their system to reflect my XXXX payment and a {$170.00} recovery fee being deducted leaving only {$25.00} in my checking account. This caused me to have additional fees with XXXX and Bank of America. I contacted Bank of America on XX/XX/XXXX @ approximately XXXX and was on hold for 30 minutes at least, before I spoke with XXXX . Then I spoke with a supervisor from Alabama, Mr. XXXX @ approximately XXXX, whose only concern was the recovery fee, despite me explaining the financial hardship their actions were creating for me, due to my bill payments being returned, causing additional fees, so Bank of America could take the funds as recovery. On at least 2 other occasions {$15.00} has been deducted from my account for recovery without prior notice, days later I receive a notification in the mail. Bank of America has never advised me that they were going to randomly deduct any amount of money they desire from my account, creating a financial hardship for me. I filed a complaint ( XXXX-XXXX ) on XX/XX/XXXX with CFPB because while my daughter was told to submit additional evidence which she did, Bank of America closed the account without notice, while we thought the investigation was reopened due to additional proof provided. I have been had my Bank of America account for many years and I am a XXXX veteran, already under financial strain which my account reflects. The account being recovered from never should have been closed, it was my daughter 's college account, I would have agreed to a payment arrangement of some sort. Bank of America 's actions are unethical and I plead with your agency to open and complete a full investigation because this may be common practice, and the consumer has no defense other than to close their account and have their credit negatively affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on ( XX/XX/XXXX ) 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/XXXX ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX