23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On or about XXXX XX/XX/XXXX, Freedom Mortgage issued a ESCROW Refund Check # XXXX for the amount of {$1900.00} for account loan number XXXX in which was my previous loan with Freedom Mortgage. I had a escrow overage for the aforementioned amount and was due that amount to be refunded to me. Freedom informed me XXXX XX/XX/XXXX they mailed a check for the aforementioned amount to my home address and subject property, XXXX XXXX XXXX, XXXX, VA XXXX. I NEVER RECEIVED THE CHECK AND OR CORRESPONDENCE IN REGARDS TO THE CHECK UNTIL XXXX XX/XX/XXXX. Freedom Mortgage informed me that because the check WAS NOT CASHED, they ( FREEDOM MORTGAGE ), APPLED the refund to my current mortgage with them for account # XXXX, in which I was informed there was an escrow shortage. I have called on numerous occasions since receiving the letter from Freedom in XXXX to seek resolution in regards to my refund. My last conversation was with a rep named XXXX XXXX, Agent ID ( XXXX ) XXXX on XXXX XX/XX/XXXX in which XXXX XXXX assured me ( XXXX XXXX XXXX, that he would escalate my concerns to higher up and provide resolution by XXXX XX/XX/XXXX. XXXX XXXX did not and has not followed up with me as of today 's date. I called on XXXX and XXXX XX/XX/XXXX and was told XXXX XXXX would call by XXXX a.m. on XXXX XX/XX/XXXX. THAT DID NOT HAPPEN!!!
Product: Mortgage

I applied for MD Homeowners Assistance Fund ( MDHAF ) for help with mortgage following unemployment due to Covid 19 restrictions. 

My servicer, SPS, has refused to response to request from MDHAF with requesting information to process my assistance package. 

" Application Status : nformation Requested from Servicer XXXX XXXX, XXXX AM '' Has been my status now for 60 days??
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a letter with the accounts I fount error with about a XXXX ago on XX/XX/21 and haven heard anything back. Im trying get my life together but they keep holding me back and they need to be stopped.
Product: Debt collection

I had an erroneous collection account being reported on 2 of my credit reports by Hunter Warfield. I  contacted Hunter Warfield on XX/XX/XXXX, by telephone at XXXX and spoke with a supervisor named XXXX XXXX in Hunter Warfield 's Consumer Resolution Department. She advised me that this account would be removed and sent me the attached letter dated XX/XX/XXXX, stating the account was cancelled in their office and it would be removed from my credit reports. I have uploaded this letter as supporting documentation. To date, this account is still being reported on my credit reports and I am receiving collection calls from Hunter Warfield stating that I owe this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two of my credit reports are showing past due with incorrect amounts due and owning. The account is current
Product: Debt collection

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach and request that all accounts mentioned below be blocked and deleted from my credit report, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
The accounts in question are as follows 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 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 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 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since 2014, Experian remains the only credit bureau that hasn't been able to provide me any documentation ( credit freeze and annual credit report ) electronically, only ever by mail. This is incredibly inconvenient because I have been studying abroad and don't have a permanent address in the USA. Additionally, it requires additional paperwork to be filled out and submitted, which I wouldn't mind except that this has now been going on for 4 years for no reason that I can see. To me this is fraudulent. I don't have the resources, time, or power as an individual to resolve this repeated issue.
Product: Credit reporting or other personal consumer reports

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 


According to 15 USC 168i ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

15 USC 1681s-2 ( A ) ( 1 ) ( E ) ( ii ) ( ii ) Banking agencies ( I ) In general If a financial institution is supervised by a Federal banking agency, the financial institution shall seek written approval concerning the terms and conditions of the loan rehabilitation program described in clause ( i ) from the appropriate Federal banking agency. 

( II ) Feedback An appropriate Federal banking agency shall provide feedback to a financial institution within 120 days of a request for approval under subclause ( I ).
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 two late payments on an account but I paid on time. The Consumer reporting agencies must report all information with complete accuracy, this account has not been late on payments. I've attached a copy of my report to these complaints on the following dates XXXX XXXX XXXX. Im requesting an investigation and provide verifiable proof with records showing that I had late payments. However, if this information can not be verified, I demand these payments be updated to paid-on-time immediately. Thank you for your services and understanding.
Product: Mortgage

I tried to contact my bank about the new loans that help with payment shock. Nation Star has failed to answer my question. What I do get is loan officer 's that say they are n't sure about that program but they will refinance me. In fact, Payment Shock Refinancing was listed Under Frank Dodd as an option that banks could use for refinances under the new ATR rule. I have emailed and called several times, starting with the XXXX email on XX/XX/XXXX, then continued to email them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This does n't include the phone calls I have made with the promise to look into the question and get back with me. 
The wrote me back and said that payment shock was an industry term and they did n't know what I was talking about. When I cut and pasted exactly what was in the guidelines they said it would take 30 days to get back with an answer for me. I wrote them well after 30days and they said they were sorry and that they were having a loan officer call me. They still did n't answer my question on if they do this type of loan. I had spoke with several loan officers and they did n't know what I was talking about. I have never received an email or a letter in regard to my question but I have gotten calls to just do a straight refinance, which does n't help me. I need the payment shock refinance as my income last year was lower and I do n't qualify. Plus, I read that under this rule the banks have the option of giving me the same rate and terms as an A+ borrower. 
Nation Star Mortgage is my bank and they have given me no help or guidance and my loan is getting ready to reset and I am afraid what the rate will jump to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove these items 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  The items are UNKNOWN to me, please remove & block any items or information which is found to be opened due to identity theft.
Product: Mortgage

Recently my husband and I became a one income household. I was told by freedom mortgage that from the XXXX to the XXXX no late payment and that XXXX to XXXX there would be a late charge but not reported to credit file as late unless it goes longer then that. Last few months I have made my payment online last day of the month. This time XXXX XXXX and XXXX, i logged into account more then a handful of times as well as called the company. No matter what I tried i was not able to only pay XXXX payment it wanted me to pay XXXX and XXXX. well thats why we pay at the end of the month cause we cant afford to pay it sooner or as much as they were asking. I tried very hard to get this payment in. I was also hung up on by several reps and several reps told me I had to make both payments in order for them to except a payment. This has never happened before and when I told the rep she was clueless but did say thier website acts up time to time. So needless to say the hit my credit report as a 30 day late and told me there is nothing they can do even though clearly thier website was the problem and they could see on thier end how many attempts there was to make the payment they see where the mistake happened but they refuse to remove the late off my credit file. This has hurt us bad. We are in the middle of trying to sell our house to buy something cheaper while we get on our feet and now we are stuck. Thier customer service reps are very rude and very clueless. They refuse to transfer to proper manager to get the proper answers. They just keep telling me these things happen just try and get your payment in sooner. They also stated to me that it would be fixed as an error on thier behalf and of course still refuse to even though they can clearly see on thier end how many times i attempted the payment online and over the phone through the automated system. No sorry yes we know its our fault nothing. I am not the first person they have done this to and Im sure not the last. This company is nothing but crooks who are out to ruin hard working peoples lives.
Product: Checking or savings account

i bank with discover.com with checking, savings & credit card accts. overdraft protection is set up for checking by savings acct. appreciate that discover waives almost all fees. however, they keep sending paper letters to notify of insufficient funds in my checking acct, even with just {$1.00} insufficient amt. 
time & again i wld leave complaint msgs & they wld just say it's their policy. i wld mention abt the green new deal, or save time, effort & pay, it's a wasteful policy, etc. besides i'm enrolled in overdraft already so why notify me still? i get emails also & by the time i get those paper letters, the overdraft transfers were made already. so those ppr notices only go straight to the wastebasket unopened. 
so which part don't they understand? i even asked if i cld write to their superiors or even to discover 's president. idk how long patience can go far. thus, i'm doing this as you had helped me in the past & hoping you wld do the same with discover. it may seem unimportant, but they shld at least cater to my request. family members hv the same issue. 
thank you!
Product: Checking or savings account

i cant open any kind of a account in any bank b/c it states i owe money to banks witch i dont owe nothing i had my id taken in the earliy XXXX in XXXX pa when i then tryed to open a bank account there when it stated i had one with them and owed a fee here to come find out it wasnt me it was a man who used my ssn in florida and the bank tryed to solve this at the time and coundent now the bank is no longer around but yes kids have taken my car from XXXX pa and all my purse and id was taken and anyone now can get your info online for a fee but im telling u its not me i cant get nothing im not a young chicken XXXX XXXX XXXX captured his first ever XXXX XXXX XXXX XXXX victory this past season with his teammate XXXX XXXX. After his championship victory, is it time to put XXXX among the greatest drivers in the modern era of racing?
Product: Credit reporting or other personal consumer reports

Ive Reached out Several times to XXXX and ExperianWith supporting documents Certified Mailand no resultsI Six Bankruptcies showing on Both Credit Reports that are not Mine..everything is inaccurateand I would like for them to stop reporting that on my Credit Report.
Product: Mortgage

I filed a complaint regarding Bank of America 's handling of a rental mortgage they bought. BoA 's 'response ' was to send 'late payment ' notices when no payments are late and insist that I call their 'regulatory compliance ' group at XXXX. If you call this number, you will find that they make the required 'debt collectors ' announcement. Further, if you try extension XXXX, you will always get voice mail, although BoA requires calling them by a date certain, after which doubtless, they will tell you I'm unresponsive. 

Is there any way to force them to sell the mortgages to a competent servicer?
Product: Mortgage

I am having massive issues with HomeBridge Financial Services , Inc . The loan processing times have been lengthy with consistently wrong paperwork in terms of costs, payoff, and cash required to close. I signed the final documents only to be told 4 days later that my loan had to be redrawn at a lower payoff amount because they failed to get accurate payoff numbers ( I had made 2 mortgage payments of which they were advised ) because they had a limit on cash that could be returned to me and could not use the cash to pay down the principal on the new loan. It has now been another week and half and I have been presented with a new CD that has the same payoff and loan amount as the previous documents that I signed with more wrong numbers to fill it in. The loan would fail again. I can not get them to provide a correct estimate or a correct CD and they do n't seem to want to correct the errors in a timely manner or at all. I have supplied correct payoff information and correct numbers through my finanical rep and there is NO reason for these delays or incompetence. Please tell me how I can close my loan and make them do their job. Meanwhile I am paying alot of daily interest to carry this loan. We estimate my loan amount should be in the $ XXXX-XXXX range and lender insists it is much higher. Payoff is {$310000.00} through XX/XX/XXXX. With the credit negotiated for my loan the payoff amount meets the same as the loan amount nearly. I dont understand why this is such a ridiculous process.
Product: Credit card

Form XX/XX/2024 I have been disputing an issue where a Credit Lender Goldmans Sacs Lowered my credit limit from XXXX to {$500.00} on my Apple card after I paid off the full balance of {$1200.00} despite no delinquencies or late payments negatively affecting my credit utilization for this account the Lender claims it was due to delinquency on my XXXX report from another creditor outside of the Apple Card account with Goldmans Sacs however after a review with XXXX customer service and printing a copy of my report, it shows no such delinquency on my XXXX report. However, the company insists their information is accurate and is only being reported from the Credit Reporting Agency XXXX I have asked for an appeal and disputed this information with the company as incorrect from XX/XX/2024 to XX/XX/2024 each month, and this company 's credit approval department continue to say the non-existent information influenced this decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

I upgraded my XXXX  through the XXXX XXXX  XXXX  offered by Citizens Bank a few times over the past year. It is my experience that opening a new XXXX XXXX  XXXX  loan would result in a soft credit inquiry, which provides Citizens Bank access to my credit report information, but such inquiry is not visible to any other creditors, and would not have any impact on my credit score. I have also been advised by a representative of Citizens Bank that when upgrading an XXXX already part of the XXXX XXXX XXXX, a credit check is not performed at all ( no soft or hard credit inquiries ) as it is considered a renewal of the loan based on credit already extended using previously acquired credit information. Unfortunately, during the upgrades on XX/XX/XXXX and XX/XX/XXXX, a hard inquiry was placed on my XXXX credit report, causing an impact to my credit score. Im requesting such inquiries be removed from my XXXX credit report ( and other credit bureaus if any were affected. )
Product: Checking or savings account

On XX/XX/2018, I opened a " Simple Business Checking '' account under a promotion. The promotion 's terms are attached. 

I met all the terms of eligibility. I was not on that date a current holder of a Wells Fargo Business Checking account, I did not work for Wells Fargo, and I had not received a business bonus in the prior 12 months. 

Furthermore, I met the qualifications for the bonus by : 1 ) Creating my account on XX/XX/2018. 
2 ) Funded the account with {$25.00} on XX/XX/18 3 ) Deposited {$2000.00} on XX/XX/18 4 )  Completed 8 qualifying transactions within the 60 day period. 5 of these transactions were ACH credits, one was an ACH debit, and two were mobile deposits. ( The minimum is 5 qualifying transactions ). A csv of these transactions is attached.

5 ) The balance in my account on day 60 was {$2900.00}, well in excess of the {$2000.00} requirement. 


Wells Fargo sent me a letter contending I did not meet the minimum debit card purchases and/or payments ( also attached ) within the number of days specific. These documents clearly show otherwise. 

I want to emphasize that while the terms disqualify ACH transactions from counting as " debit transactions '', they also explicitly state that ACH credits are " qualifying transactions '' nonetheless. The exact wording is as follows : Make 5 or more qualifying transactions that have posted to the new business checking account by Day 60 : Debit card purchases/payments ACH ( Automated Clearing House ) credits and debits Checks paid from your new account ( deposited and cashed ) Mobile deposits Wires ( credits and debits ) Wells Fargo Business Bill Pay or Direct Pay
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC Violations Name is not correct : XXXX XXXX Never lived at following addresses : XXXX XXXX XXXX XXXX # APT XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX BANK XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXXE XXXX {$6700.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$3400.00} XXXX CARD XXXX {$2600.00} XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX  XXXX {$410.00} XXXX XXXX XXXX {$2600.00} XXXX, XXXX XXXX {$230.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$890.00} Inquiries : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Saw puppies for sale on XXXX site XXXX XXXX XXXX. Selected puppy and sent XXXX transactions on XX/XX/2024, XX/XX/2024 and XX/XX/2024. Puppy was supposed to be deliver XX/XX/2024 but never got puppy. Reached out to Td bank and was notified after 7 days wouldnt be getting my money back even though I advised them I was a victim of a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. These are fraudulent unauthorized inquiries on my report. Please remove or send proof in writing within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, my mortgage was sold from Amerihome Mortgage to XXXX XXXX. Amerihome Mortgage has not had my account since XX/XX/XXXX. In XX/XX/XXXX, they reported the account was 120 days delinquent in XX/XX/XXXX lowering my credit score. This is an error. I have contacted Amerihome but they have not come up with a resolve as of yet.