23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Mr. Cooper is not accurately reporting payments, payments amounts, escrow increases, and true account activity. 

I have had Mr. Cooper as my mortgage servicer since XXXX when they were Nationstar. There have always been issues with how payments and payment increases have been processed. The heightened issue is when I went into the COVID pandemic relief plan that was offered for up to a 12 month relief period. I took this plan in XXXX after permanently losing my job in XXXX due to the pandemic. Up until XXXX I was able to swing my regular monthly payments with some stimulus help. When I extended the COVID plan until XX/XX/XXXX this is where the real problems started. I was blocked from all activity on my account. Electronic payments were claimed not received or posted although they cleared my bank accounts. Once I could view things payments were not accurately receipted and the entire history of the account had been monkeyed with noting substantial historical unapplied funds. My payment had also been increased. Prior to COVID any additional payments I made we designated to principal. 

My account is now flagged as a MODIFICATION and I did not review or agree to any MODIFICATION with the exception of the COVID relief program that Mr. Cooper approved until XX/XX/XXXX XXXX the nine month mark ). Mr. Cooper stated even though I was told I would be allowed up to 12 months of COVID protection that they were ending it at 9 months. Mr. Cooper refuses to receipt payments accurately, and dodges increased escrow inquiries. I never received notification of this increase in writing or otherwise prior to the increase already being implemented. 

I was sent a notification 9 days ago where nothing was actually posted about some communication regarding modification. I have not reviewed or agreed to any MODIFICATION with the exception of the COVID relief plan. 

Mr. Cooper has several class action lawsuits out there citing the same experiences.
Product: Mortgage

Bank of America promised me an interest only mortgage for a non-jumbo loan amount. Then as I was putting in an offer for a house the bank told me they had changed their qualifications and said no mortgage even though 1 ) I still qualified w the new criteria, 2 ) the new criteria was not accurate and does not exist. 
After six months of trying to get the promised mortgage reinstate w the bank ignoring me, with my even sending Bank of America the note from my doctor regarding my XXXX they requested, the bank finally responded to me that they no longer offer the interest only loan. Was seeking when they still do. 
Then I called the banks national loan application center no was approved for exactly the same loan in 20 minutes and received a confirming letter. 
Then those who originally denied me found out about my approval and at the managing director level contacted the manager of mortgage services and had a person call me and tell me the loan I had finally been approved for no longer exists. 
However I re-contacted the same department brokers and was told it does exist and they sent me another letter affirming my being 100 % qualified! 
For some reason even though the loan continues to be offered and I continue to be fully qualified thru today, senior management of the XXXX Bank of America continues to discourage and block me from obtaining it. 
I believe there are two aspects to this, one may be discrimination due to my source of income although they fully meet all federal and bank standards and the other is they simply are misinformed about their own products although many of their brokers continue to assure me that the loan I am seeking exists and I am fully qualified.
Product: Credit card or prepaid card

This XXXX XXXX came broken and they assembled wrong. On first day, I emailed a lot and got nowhere. I emailed many many times. Just a run around. I contacted TD to chargeback or do warranty claim and no response and cant log in. They need to take this broken piece of junk off my property and refund fully and pay interest on how long they have kept my money. The arm came lose, monitor never worked, cupholder broke off and pedals came flying off. motor would fire randomly. I cant tell you how many times I got hurt and sent emails and photos and videos on. They did nothing. I should be doing an injury lawsuit. I have contacted a class action attorney. We will see if TD fixes this.XXXX XXXX  credit XXXX
Product: Credit reporting or other personal consumer reports

Experian has been receiving dispute requests for over six months and not taken them seriourly. My credit report has been recently pulled to find a new rental for my home in both XXXX XXXX XXXX XXXX I have immediately denied HOUSING in both cities becuase of credit card debt listed on my report that is : a ) several years old b ) settled and CURRENT c ) illegally reported ( third party debt collectors who do not have permission to own debt ) d ) the result of medical bills Although I stated all these facts when I disputed my report, all they did was " verify '' the accounts and not look into whether they were actually legal, or had any affect on my ability to pay rent and keep a roof over my head ( they do not ). As I said, all my debt is being serviced ( through XXXX ). 

My lease is up and my apartment building suffered an electrical fire on XXXX. I have to move. I work in a job where I am paid enough to cover rent for the properties I am applying for and I am about to befcome homeless becuase serviced debt remains on my reports and none of the bureaus, or the lenders directly are bothering to listen to me, or do their due diligence to help and allow me to move forward with my life. Housing is a basic human need and I am being denied it. Continuously. I have a perfectly reasonable credit score ( XXXX XXXX despite the nefarious reporting ) and years of flawless payment history, however, I can not RENT AN APARTMENT.
Product: Debt collection

I get at least 2-3 calls a day sometimes less than an hour apart
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account XXXX : XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Debt collection

I got a loan through XXXX XXXX XXXX XXXX XXXX back in XXXX but the account was closed/charged off in bankruptcy I thought and I was later contacted by a law firm called KEY GREER HARRISON and Casey at XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  al XXXX about collecting for the above credit Union and paying XXXX per month I have been making that same XXXX payment since XXXX of XXXX i found out on XXXX XXXX that this debt has been closed charged off through my bankruptcy and I would like a refund ASAP because not I believe I was scammed through this law office s as well as I would like to report the law office to the bar association. I tried emailing XXXX  calling no help as of yet XXXX I havent spoken to the appropriate people
Product: Mortgage

I have made multiple calls into the care center trying to resolve a payment issue. On XXXX my auto payment of XXXX was made but the escrow account had been adjusted so the payment was now short by XXXX. I sent that payment in on XX/XX/20 when dealing with the mortgage company as requested and thought it was good. I have never missed a payment or had a late fee as I pay extra every month. I now pay {$1800.00} a month to cover all issues. Despite calling multiple times the issue is still not resolved and I get a late payment every month for the last 3 months and get calls from there collections agency despite paying extra every month and calling in every month.
Product: Money transfer, virtual currency, or money service

Yes my complaint is with zelle there add states that you can send or receive money safely and secure the word secure means that they are garunttee that it will be covered and they are deing my claim and I did what that said I desputed it with in the 4 days they say in there app I feel that they are very miss leading and false info on there part because I'm now out of XXXX dollars that I sent and was scammed but there sight says safe and secure I feel they should be held responsible for action and what the app says safe and SECURE means they will stand behind what they say but they should have to pay me back for false info they are saying
Product: Mortgage

on XX/XX/2019 i emailed and faxed mr cooper my loan modification application and was told by mr cooper that they will not review my application due to a foreclosure sale date on XX/XX/2019 their website does not say that package had to be received 45 days prior foreclosure sale date please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX  XXXX to file a report and Per FCRA section 605b  Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX .... Balance : XXXX ; XXXX XXXX & XXXX XXXX XXXX : {$5000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX : {$210.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX Balance : {$400.00} ; XXXX XXXX XXXX XXXX Balance : {$360.00} ; XXXX XXXX XXXX XXXX XXXX : {$3500.00} ; XXXX XXXX Balance : {$310.00} ; XXXX XXXX XXXX XXXX Balance : {$5500.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXXXXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft , not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

Around XX/XX/2022, I found charges on my checking account statement for XXXX where I had a merchant credit card, issued and handled by Comenity Bank. The bank was never authorized to withdraw directly from my checking account. XXXX immediately refunded the money for these fraudulent charges. However, I continue to be contacted and harassed by Comenity bank, basically threatening to ruin my credit rating and insinuating I don't have they funds to pay. It is just a crazy nightmare. Just this morning I was sent an " URGENT '' message to call them. When I did I reached someone who told me I had to make a minimum payment. I told her I was never given the itemization for the purchases they said I made and owed them money for. When she said I would have to speak to customer service about this, I was put on hold and then disconnected. This has happened before when I tried to contact them. They refuse to tell me what they say I purchased and why they think I owe them this money.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I may experienced financial harm while using Zelle due to potential allegations name in the lawsuit in question in XXXX. Despite contacting Zelle and my bank to resolve the issue, no satisfactory resolution was provided. This caused possible financial loss, stress, or inconvenience. I am seeking compensation or restitution as part of the CFPB lawsuit against Zelle to address the damages I may have suffered.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is file to have the CFPB review the attached documents and hopefully see that Wells Fargo Dealer services altered contracted due dates in order to receive additional monies toward forced insurance that already had be contractual met. They refused to answer the State Attorney General in fact they avoided answering the question all together and repossessed my vehicle all together based on the lie they created. The repossession was no more than a retaliation for taking them to Small Claims court to get them to clean up their mess they created. No matter what you request of them they will ignore you or send false witness about the whole situation
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX, Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of INQUIRIES from : XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXXXX/XX/XXXX, I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I was very fortunate to have my loans XXXX from XXXX XXXX XXXX for my XXXX  at XXXX XXXX. However, XXXX XXXX is not paying my refund properly. 
Based on loans # XXXX and # XXXX, I asked for a breakdown accounting of my payments and for which schools and they will not give me the information. I paid XXXX since XXXX -although they sent a letter saying it was XXXX. However, they reimbursed me XXXX and said that was it and that the payments I made, went to my XXXX XXXX XXXX from XXXX years ago, not my more recent XXXX  Therefore, they are retaining the money that I paid which is an additional XXXX refund. 
My opinion is they are a very dishonorable company that are mishandling student funds.
Product: Credit reporting or other personal consumer reports

The following credit inquiries do not belong to me : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

I was given my parents home in a trust and was deeded to the trust. It is a VA loan. The company Planet Home Lending was notified of this change in 2013. I continues all payments and they accepted the insurance all years. Now they have requested the insurance state the ESTATE of. There is no Estate it is a trust. They gave me the option of getting this stated or I would need to assume the loan. I in good faith have made all payments, insured and made this my home.
Product: Credit reporting

In XX/XX/XXXX, I took out a XXXX XXXX " XXXX '' deal to pay for my Iphone 6+ along with my regular monthly payments. This is my only debt apart from my monthly credit card debts XXXX XXXX cards ). I pay all XXXX debts through auto payments. When I applied to renew my home, car and liability insurance with XXXX XXXX XXXX, I received a notice from them that the company had a credit report from Lexis Nexis from which XXXX had constructed a score to use in pricing my insurance. The note also said I could apply to Lexis Nexis to get a free copy of my credit report. I called Lexis Nexis on the automated phone request system but never received a report. Exactly the same thing had happened XX/XX/XXXX except that then I tried unsuccessfully to phone and then instead wrote a letter dated XX/XX/XXXX to Lexis Nexis XXXX I still have a paper copy-see below ). This time, XX/XX/XXXX, instead, I did not write but tried again to phone the Lexis-Nexis XXXX XXXX, and was put on hold for about 10 minutes and then cut off. 
Though I have few debts, I do want to monitor my credit reporting history to ensure accuracy, and I am frustrated how to get my right to the report without vast expenditure of time and energy. Please advise. Thank you. 
PS. the attachment briefly shows in the box and then lands below the box below!
Product: Mortgage

PHH LN XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX XXXX We are filing a complaint regarding the processing of this short sale. The borrower 's wife died in XX/XX/XXXX, two months ago, leaving Mr. XXXX as a single father with XXXX small children. Mr. XXXX applied for a short sale on XX/XX/XXXX knowing he would not be able to afford the property any longer. We have been calling on the short sale every week, and we were told that on XX/XX/XXXX, the borrower was deemed ineligible for a loan mod due to low income and a short sale was opened. 

On each subsequent phone call, we were told that the short sale - specifically a SHORT SALE, not a loan modification - was under review that the package was deemed complete on XX/XX/XXXX. 


***PHH has already been FINED for dual tracking -- -- -- On XX/XX/XXXX they deemed the file complete, YET ON XX/XX/XXXX POSTED A FORECLOSURE DATE ON THIS PROPERTY -- -- THEY ARE STILL FORECLOSING ON THE PROPERTY DESPITE THE FILE BEING COMPLETE. DUAL-TRACKING IS ILLEGAL AND THIS NEEDS TO BE CORRECTED IMMEDIATELY. **** See attached Foreclosure Printout**** Then on XX/XX/XXXX, we were told that as of XX/XX/XXXX the borrower was approved under a loan modification trial. It is important to note that this borrower 's *****GROSS MONTHLY INCOME IS {$3400.00}. ******His MORTGAGE PAYMENTS TOTAL {$3600.00} PER MONTH, and his *****TOTAL MONTHLY EXPENSES ARE XXXX. Apart from the issue of being lied to - deliberately lied to - on several dates, PLEASE TELL ME **********HOW IN THE WORLD WOULD THIS QUALIFY HIM FOR ANY KIND OF MORTGAGE? THIS IS AGAINST EVERY UNDERWRITING GUIDELINE ON THE PLANET. ********* Mr. XXXX is extremely recently widowed with XXXX small children to care for, and I expect at the very least PHH to deal with us honestly, and not take advantage of his grief by putting him in a modification agreement that he very clearly can not meet. I want this short sale opened, and worked as I was told it would be on XX/XX/XXXX. I also want PHH fined to the maximum extent of the law, and prevented from doing business in the State of California. As evidenced by the MANY lawsuits and fines levied against PHH, they clearly have no interest in complying with federal and state law.
Product: Debt collection

The Collection Firm of Franklin Collection Services Inc contacted me in writing that I owed XXXX for services that I did not receive. I therefore, send a letter asking for proof of service from XXXX and to show in detail what the service was for, address of service, type of service and dates of said service that they alleged that I had with a break down of monies that totaled the amount of debt. 



As a result of that communication ; Franklin Collection Service, sent me a letter with my name, masked SS #, my current address. The letter went on to provide very vague info, stating XXXX was the original debt with a address for XXXX and dollar amount of {$36.00} I contacted Franklin Collection Services and the agent stated that I owed the monies for internet services and that the debt was legitimate. I proceeded that they needed to provide me with proof and detailed break down of what the {$36.00} was for The agent at Franklin Collections call me a son of a XXXX and hung up the phone on me