23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

SageStream states on its website that disputes, requests for credit files, or requests to freeze one 's file may be submitted by fax to ( XXXX ) XXXX. Yet, after many attempts to submit a fax to this number over several days and a few different fax machines, all submissions failed -- the stated reason being that SageStream 's fax number was busy. The business seems to be engaging in false statements, namely that requests can be submitted by fax. They seem to force consumers to submit requests through regular mail which is slow and time consuming. In effect, they make the dispute/information request processes excessively difficult to deter consumers from accessing their credit files per the spirit of the FCRA. If this company wants to function similarly to the three major credit bureaus, it should be incumbent upon them to allow online access to credit files ... not restricting access to outdated, complex requests. Nor force consumers to pay for postage just to obtain a " free '' credit report or freeze.
Product: Mortgage

mr cooper and lakeview since XXXX, i have been entered own fire insurance and flood insurance and have been property tax by myself and scanned all papers to this company but without content with me they intentionally add unidentified escrow account including mortage principle plus interest and forced me to pay whole together monthly.so i have to pay mortage on time including escrow fee still i dont know what is escrow fee? 
since XXXX they forced me to pay all over than usd XXXX additional fee. 
please investigate throughly and refund all soon. if need any document, will provide you all. 

thanks for help
Product: Mortgage

The company holds my payments after they receive it they take days/weeks to cash the check and apply it to my account. ( this happens every month ) The company charges fees with no explanation. 
The company claims that I have missed payments and that I am late however I have the documentation to prove that I have made all my payments. 
When I call the company and ask questions about payments and fees I do not get straight answer When I call the company, I am put on hold for long lengths of time and then I get transferred you to another agent. This has happened every time I have called. 
I do not have all the dates and times that I have corresponded with the company but it has been many times over the past few years after my loan was transferred to them. 
They post that my payments have been late since day one, Would like to know how they came up with that calculation. 
They send letters to my house stating I owe money and they can possibly foreclose.
Product: Mortgage

Since becoming 100 % Totally and Permanently XXXX from the Veteran 's Affairs ( VA ) office, I have been trying to have Newrez Mortgage conduct an escrow analysis since XX/XX/XXXX. I have submitted official letters from the VA, official determination letters from the state VA office of new Mexico, and various correspondence from the county assessor 's office. Most recent document submisson was a XXXX tax bill from the county treasurer 's office. Requests for an escrow analysis has been made through Newrez 's account portal - help - option. Several requests have been made since XX/XX/XXXX over this medium. 

Today, XX/XX/XXXX I called to ascertain what the status was on the latest escrow analysis request. The customer service agent ( CSA ) looked over the account and could not determine what the status was on the latest escrow analysis request was. In fact, the XXXX said that he could start an escrow analysis request today, but mentioned that it would take 30 days. I then asked 30 days from today?, or from the date I filed the request online. The XXXX replied " from today. '' The management of the escrow accounts from NewRez is substandard in opionion. Communication is spotty and often leaves account owners left in the dark. 
Delaying an escrow analysis that would significantly lower your overall mortgage payment, whether intentional or unintentional is plain wrong and should not be legal. 

This complaint process seems to be the only recourse one has. As of today, I have no idea if Newrez is going to conduct an escrow analysis or not. The fact that the online request for one, should have set the process in motion, and it hadn't ( according to the CSA ) is reason enough not to trust these people. 

I am going to look at closing the escrow and heavily scrutinizing the entire accounting of all monies to include the refund of tax payments from the county treasurer to Newrez. 

I have been trying to resolve this since XX/XX/XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I had called XXXX, Equifax, and XXXX to remove all inquiries except for one that I recognized. All other inquiries were done without my consent and without the WET INK signature required by Law pursuant to the Fair Debt Credit Reporting Act. So I simply told them to removed it for me because its been fraudulently obtained and they denied.
Product: Checking or savings account

I am Filing a complaint with the CFPB regarding to capital one failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has cited technical issue, which may violate the electronic funds transfer act as it requires timely access to funds. This situation raises concerns about consumers protection laws, I request your assistance in investigating this matter ensure my rights are upheld. Thank you
Product: Vehicle loan or lease

My XXXX XXXX XXXX was stolen in XXXX and XXXX of 2018 and XXXX has refused to pay off the loan even though the vehicle was missing for more than 6 weeks. I have fought tooth and nail to get XXXX to payoff or partially payoff the outstanding loan amount but i receive no response and in need of Federal Help of some sort. 

XXXX NEEDS TO PAY OFF THIS LOAN
Product: Debt collection

XXXX XXXX medical doctor.. I have had insurance for all these doctor bills
Product: Checking or savings account

TD BANK ALLOWED ME TO OPEN A ACCOUNT ONLINE IN XX/XX/2023... ONLY THEN TO RESRICT M ACCOUNT A FEW MINUTES LATER. I CALLED FOR XXXX DAYS TRYING TO FIND OU WHY M ACCOUNT WAS CLOSED. I WAS TOLD I HAD TO DRIVE XXXX MILES TO THE NEAREST BANK TO VERIFY MYSELF. THEN WHEN I REQESTED THAT MY ACCOUNT BE CLOSED I WAS TOLD 'NO. ' THEN I WAS TO SEND A LETTER AND NOTARIZE AND SEND IT TO A LOCAL BRANCH TO CLOSE THE ACCOUNT. I THEN RECEIVED A LETTER A WEEK LATER ASKING ME TO CALL TO BE VERIFIED. EACH TIME I GAVE THEM HE CODE THEY REFUSED TO ACCEPT MY CODE. THEN A PERSON NAMED XXXX ACCUSED ME OF IDENTITY THEFT. TD BANK REFUSED TO LISTEN TO ME ... WHEN I TOLD THEM IT WAS ME. THEY WERE RUDE AND MEAN. THE PEOPLE A THEIR BRANCH LOCATTIONS DID THE SAME THING. I WAS TOLD TO CALL HE BRANCHES O VERIFY ME. WHEN THEY VERIFIED ME HEY STILL REFUSED TO BELIEVE ME. I HAD TO CALL THEM FOR A WEEK TO GET THEM TO LISTEN. I THEN HAD TO WRITE A LETTER AND HAD I NOTARIZED TO HAVE MY ACCOUNT CLOSED. I SENT IT TO XXXX IN XXXX XXXX THEY EVEN MADE ME CRY!
Product: Money transfer, virtual currency, or money service

This is a business complaint against Bank. A customer of ours was prompted to make an ACH wiring transfer to Chase Bank to an account listed under our name ( We do not bank with Chase or have nay account as all with them ) The wiring information provided to our customer by an unknown thirst party was under our business name, but did not match teh actual details of the actual account. Chase Bank accepted this transaction even thought it did not match in the amount of {$15000.00} on XX/XX/. 
Once I was made aware of this fraudulent transaction I called Chase Bank and informed them this was fraudulent and we do not Bank with them-They allowed me to cancel this account even thought it was not under our name as they tried to hide that. I could not get help from anyone and upon further investigation I discovered they allowed this transaction without matching the business name to routing #. After numerous emails, phone calls and being redirected several time I was getting no where with Chase and the customer and I have decided we should take matters in to our own hands and file a complaint against Chase Bank
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally lodge a complaint regarding the unauthorized changes and fraudulent accounts on my consumer report. Despite my numerous attempts to contact Experian and seek resolution, I have been unable to obtain any satisfactory assistance. I believe this situation is a clear violation of consumer rights and raises serious concerns about the security and accuracy of my personal information. 

The unauthorized changes made to my consumer report include the alteration of my password, email address, and phone number, all of which were done without my knowledge or consent. This unauthorized access has put my sensitive information at risk and has potentially exposed me to further fraudulent activities. 

I request that Experian promptly forward to me the details of the fraudulent email address and phone number listed on my consumer report. Additionally, I require the exact date and time when these changes were made for my personal investigation and records. It is crucial for me to understand the scope and timeline of this breach to take appropriate action to safeguard my identity. 

Furthermore, I am deeply concerned about the presence of fraudulent accounts on my consumer report. Experian 's response to my report of these fraudulent accounts has been disheartening, as I was informed that Experian does not bear responsibility for ensuring a complete and accurate consumer report. Instead, I was directed to the furnishers of the information, who claim the authority to delete any reported information, leaving me without a viable option for addressing the fraud that has occurred. 

I must emphasize that I hold Experian accountable for safeguarding my personal information and providing me with an accurate and reliable consumer report. I believe that Experian has failed in its duty to protect my data, and this negligence has caused significant harm and potential financial repercussions. 

I kindly request that Experian takes immediate action to rectify this situation by thoroughly investigating the unauthorized changes, providing me with the requested details, and taking appropriate measures to ensure the accuracy and security of my consumer report. I also expect to receive a written response within [ specify a reasonable timeframe ] outlining the steps Experian will take to address this matter. 

If a satisfactory resolution is not achieved, I am prepared to escalate this complaint to the relevant regulatory authorities, including the Consumer Financial Protection Bureau and the Federal Trade Commission. I am also considering seeking legal advice to protect my rights and seek appropriate compensation for the damages I have suffered. 

I trust that Experian will treat this matter with the urgency and seriousness it deserves. I look forward to a swift and satisfactory resolution to this issue. 

Thank you for your immediate attention to this matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I was looking at my Consumer Report from all 3 Agencies ( XXXX, XXXX, transunion ) and notice that per 15 USC 1681s-2 that several companies were furnishing inaccurate and incorrect information on my Consumer Reports. The IRS clearly defines a charge-off as Gross or Ordinary income. Income does not get reported on Consumer Reports which makes the reporting of the accounts listed below inaccurate and incorrect reporting. IRS also states that even if you did not receive a 1099-C you must report cancelled debt as gross income on your tax return. Lender must file form 1099-C and send consumer a copy if the amount of debt cancelled is {$600.00} or more and the Lender is a Financial Institution, Credit Union , Federal Government Agency , or other applicable entity. Cancelled debt or charge-offs are income. I've never received a 1099-C from any of the companies listed below. 

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

I have disputed this account ( XXXX  XXXX ) ( dated XX/XX/2023, XX/XX/2023 and it has never been properly investigated. TransUnion had chance to investigate the validity and accuracy of this account but has failed to do so which has been detrimental to my livelihood. TransUnion has verified this disputed account ( XXXX XXXX ) as accurate on XX/XX/2023 but inaccuracies still remain. This is a violation of FCRA Section 623 ( a ) 1 ( A ) ( B ) ( i ) ( ii ) which is the Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors. 
A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Student loan

In XX/XX/2018 I received a minor bump in pay. I did the right thing and asked XXXX to recalculate my monthly payment. Their website and recalculation application failed to mention anywhere that they would recalculate monthly income based on a person 's regular pay but also any overtime earned that month. My monthly payment amount skyrocketed. 

I contacted an agent who told me to resubmit using my tax return. I received no response after doing this. I called again and another agent informed me that the prior agent 's information was incorrect. They advised that I needed to wait until I had a paystub that didn't have overtime and resubmit again. 

In late XX/XX/2018, I resubmitted a new paystub for recalculation. I then received two letters less than two hours apart that contained two different recalculation amounts. No explanation was provided in either letter. I emailed and received a response on XX/XX/2018 indicating that the first letter was based on the income tax recalculation which was incorrect. The second letter was for the correct amount. 

On XX/XX/XXXX & XX/XX/XXXX I again received two letters with different recalculation amounts and no explanation for why I was receiving either one. I emailed multiple times and received no response. I just spoke to another agent and was told that the response from the agent on XX/XX/XXXX was incorrect, that this 3rd letter I received was an error and now the 4th letter with an even higher amount was correct. 

XXXX needs to improve their transparency with customers, their communication, and train their agents better.
Product: Debt collection

Summit recovery continues to call my business line and leave messages although i have asked for proof of debt in writing. I do not know anything about this debt, they state it is for a payday loan which is illegal in the state of arizona, so I suspect this is an attempt to fraudulently attempt to collect money.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to XXXX, my personal data was part of the security breach. Therefore, they have not been charging me for my security freeze, approximately {$5.00}. 

But I've needed to pay it with XXXX and Experian even though I am an identity theft victim with XXXX. The millions of Americans affected by this data breach shouldn't have to go to their local police department to file a report when XXXX and Experian can easily go to XXXX  's website to enter the customer 's last name and the last six digits of the social security number to verify the person was affected. There is nothing the local police can do about it. 

I am asking that XXXX and Experian place credit freezes on my credit bureau at no charge and that they refund the fees they have collected since the security breach occured.
Product: Credit reporting or other personal consumer reports

The fraudulent entries on my consumer report remain unresolved despite my documented identity theft claims. Your continued reporting of these unauthorized items violates the Fair Credit Reporting Act and identity theft protection laws. 

I demand immediate deletion and blocking of these fraudulent entries within 4 business days.
Product: Debt collection

I received a letter in the mail from United Collection Bureau , Inc the letter stated they were trying to collect a debt that I owed to XXXX XXXX XXXX.I than contacted the company and spoke with an representative about the issue because I don't have a debt with XXXX XXXX he was being very argumentative so I hung up and called XXXX XXXX billing customer service and spoke to a representative and she stated that there was no debt sent to collection 's on there end for me as I knew. I than called the collection agency back and spoke with another person and I explained that I spoke with XXXX XXXX and they said they haven't sent any debt to this agency on me the representative was being argumentative so I asked to speak with a supervisor I noticed that they kept asking for my personal information I stated to the supervisor that I didn't have any debt and I spoke to XXXX XXXX customer service he than stated he must have the wrong person I questioned him on how did he get my personal information and I told him I was going to report this business for fraud he was trying to reason with me not to and I hung up all this happened on XX/XX/2023 @ around XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed this account several times and each time the information comes back as verified and updated. My most recent dispute was through the CFPB site in XXXX. They are reporting an inaccurate date of last activity and an inaccurate account number. 
XXXX Account numbers are listed as XXXX and XXXX ( ON XXXX ) They need to remove it from my account and stop reporting for FCRA non-compliance of inaccurate data furnished on my credit report
Product: Credit reporting

A recurring charge keeps appearing, originally from XXXX, on my XXXX and Experian reports. I had reported it once a couple of years ago, then it appeared again under the guise of another company. I provided proof that I never had XXXX at my address, that I had another service not related and it was n't even under my name originally, I had to redo that after my ex moved out It was under XXXX XXXX at the time from XX/XX/XXXX through XX/XX/XXXX. Unfortunately, XXXX wo n't let me access back that far again, but they should still have the original information on file. I provided bank account history, utilities, and billing history from XXXX, who was my provider at the time. At any rate, I could provide proof that I did n't have or even need XXXX at they time this company reported me. I even provided a copy of the resolution letter they had sent me the first time, telling me that it was removed. All to no avail. I have been a victim of identity theft in the past and I am afraid this nightmare might not be over. Please help!
Product: Credit card or prepaid card

On XX/XX/2022, there were three ATM withdrawals in the amount of {$63.00} that I did not make on my American Express bluebird prepaid card. The total amount was reported to their fraud unit via telephone and email. ( Declaration of fraud for is attached ). 

In their XX/XX/2022 reply, they declined indicating that I have the right to review any documents we relied upon in making our determination. I requested these documents via certified mail, return receipt required. 

On XX/XX/2022, they sent me the attached e-mail stating that they did not review any documents to make their decision. 

I did not make the XXXX ATM withdrawals in the {$63.00}.
Product: Credit reporting

I have been working for the last week to temporarily lift a feeze on my equifax credit report. I called in, and they informed me that I have fax them proof of my current address in the form of a copy of my driver 's license and a bank statement. I faxed them this information twice, and received successful transmission confirmations both times. Yet when I call in, they tell me that they have not received the documents. So it would appear that they are losing my personal information. They are giving me no options to release the freeze over the phone, they only say that I must either fax the information or mail it. I am hesitant to do this, as I am afraid that they will just lose it again. I find it to be absolutely ridiculous that I am unable to release a freeze on my own credit score, and that equifax has misplaced secure documents that I was asked to provide to them.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit file. As a victim of a data breach, I did not authorize the creation or association of these accounts. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed from my credit report without delay. 
Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Ref : XXXX - Filed and Submitted to the CFPB on XX/XX/XXXX Starting in XX/XX/XXXX I requested the original loan paperwork from a new servicing company XXXX - this was after my loan was transferred from XXXX XXXX XXXX XXXX XXXX no payments were missed during this time and the payback period started as soon as the loan was disbursed. The company has not been able to provide the original loan information and is now listed loan as a variable rate. The account transfer was complete I started receiving monthly interest rate increase notices on a monthly basis, the letter mentions the interest rate increase is effective the day the letter was issued. When asked for the payment history company said that they have not been able to locate the payment history or paper work from the previous provider. 

FROM XXXX - XXXX XXXX XXXX On the Last Day the Complaint was Open - XXXX was XXXX to obtain the information from the loan owner because the documents are unavailable. We sincerely apologize for the inconvenience experienced as a result of the matter. Lastly, as a result of late payments, unfavorable information was submitted to the consumer reporting agencies for XX/XX/XXXX through XX/XX/XXXX. 

FROM XXXX - XXXX Dated XX/XX/XXXX ( Only Letter Received About Any Debt ) An attempt to change the loans XXXX rate to 0 % backdated to XX/XX/XXXX, in order to collect debt but no amount or other information is provided... 

The Letter States - " This letter is for Information Purpurposes and it not an attempt to collect '' At the bottom of the letter : " This is a communication from XXXX XXXX XXXX XXXX with may be considered a debt collector. "