23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I previously advised that I am disputing the fees assessed to reinstate this loan and I am requesting a full and complete break down of the itemized fees listed in the Reinstatement Quote, to include but not limited to the Expense Advances, Late Charges, and Foreclosure Expenses. Additionally, a RESPA Qualified Written Request ( QWR ) has been mailed to Freedom Mortgage, XXXX XXXX XXXX, XXXX, IN XXXX. Freedom Mortgage has continuously added unnecessary and absorbent fees to this account. On a recorded call to your loss mitigation department on XX/XX/XXXX, XXXX ( ID # XXXX ) and requested a supervisor to discuss the account. As of today, that supervisor XXXX has yet to call me back. The same day, per my online account, you added another {$100.00} fee with no justification or explanation for what this fee is for as well as another {$15.00} property inspection fee with no valid proof or need for this fee. Additionally, considering Freedom Mortgage received an electronic payment of {$1100.00} on XX/XX/XXXX that has not been returned ( as shown in the attachment below ) your assertion above regarding the amounts due is automatically flawed. To start, this is an FHA loan and I have been unjustly denied a loan modification after requesting one through the servicer and am in the process of filling a complaint regarding this. Per 12 C.F.R. 1024.41,  servicer are restricted from continuing the foreclosure process if the homeowner is working on securing a loan modification or other alternative to foreclosure. Per their letter dated on XX/XX/XXXX, your review was not closed until well after the time period prescribed by the dual tracking provisions in the law. Additionally, Freedom Mortgage XXXX XXXX was CCd on a prior email to Freedom Mortgages Loss Mitigation department in which he forwarded to XXXX XXXX for response on XX/XX/XXXX. On the same day, I responded to her email and CCd Mr . XXXX  a copy of the email in which the documents that Freedom Mortgage asserted was not received and never received her response or further contact. Finally, and most importantly, I believe they are violation of O.C.G.A. 9-13-140. In which the lender must properly advertise the foreclosure sale once a week for a period of four weeks immediately preceding the date of the sale in the legal organ of the county where the property is located. I am only seeing ONE advertisement in XXXX XXXX XXXX XXXX Report dated XX/XX/XXXX, which is LESS than four weeks prior to the sale date of XX/XX/XXXX. Additionally, I have requested the egregious fees to be removed. Freedom Mortgage has not responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has engaged in unfair, abusive and unlawful practices in processing a payment. They subsequently failed to conduct a reasonable investigation for billing errors, failed to provide reproductions of documents used to determine the outcome of billing error investigations, failed to disclose my right to request such reproductions. They then retaliated against me as consumer for engaging in protected activities, using tactics including credit discrimination and XXXX discrimination. XXXX has continued to harm me as a consumer by continuously furnishing invalid and/or unverifiable payment history to the CRAs. The information is invalid and/or unverifiable because the information supplied was generated as a result of unlawful actions taken due to XXXX 's failure to process a payment. XXXX has reported that information using the eOSCAR system claiming the information is correct, yet has been unwilling to provide me with reproductions of documents that support the information supplied to the CRAs. At the same time, the CRAs have insisted XXXX has provided them with the same or similar documentation that allegedly verifies the validity and accuracy of the information supplied to the CRAs, and that attests the information was generated lawfully. Prior complaints with both the CFPB and XXXX are attached. Most recently, XXXX supplied me with a rehash of their alleged investigation ( XXXX ) on letterhead with XXXX ( XXXX ) supporting documents -- this is despite my request for reproductions of any and all documents that supports the conclusions of their alleged investigation ( XXXX ). I cited applicable law and provided the corresponding pdf from the Federal Code. Overall, XXXX is using abusive tactics to avoid transparency that is required, and is harming me by supplying the CRAs with invalid information. They are then sending updates to the CRAs that contain the invalid information. They are then closing out subsequent complaints with the CFPB as a form of retaliation, and refuse to supply reproductions of supporting documents, claiming they conducted a billing error investigation. The CRAs has been more than willing to persist the information furnished by XXXX despite me notifying the CRAs through CFPB complaints of the serious issues involved. Therefore, the CRAs are now knowingly and willfully violating the FCRA. The full explanation and documentation is attached.
Product: Credit reporting or other personal consumer reports

I am writing to seek your assistance in resolving an issue on my credit report. Recently, an item from " XXXX XXXX XXXX '' was deleted from my credit report, as indicated in the attached document. However, despite the deletion of this item, derogatory marks associated with it still remain on my report, negatively affecting my credit score. 

The report number for this update is XXXX, and the date generated is XX/XX/year>. A copy of the relevant section of my credit report is attached for your reference. 

I kindly request that the CFPB investigate this matter to ensure that all derogatory marks related to the deleted item are completely removed. I believe the retention of these marks is an oversight and would appreciate your help in rectifying it promptly. 

Thank you for your time and attention to this matter. I look forward to your response and the resolution of this issue. 

Sincerely, XXXX XXXX
Product: Student loan

I am filing a formal complaint against, FedLoan Servicing, due to its continuing failure to process my application for the new Revised Pay as You Earn Plan ( REPAY ) in a timely and accurate manner. 
On XXXX XXXX, 2015, I successfully submitted my application to switch from a standard Income Based ( IB ) plan to the new REPAY plan via StudentLoans.gov website. Shortly thereafter, I received an email confirmation from FedLoan Servicing. However, after to calling customer service nearly XXXX different times over the past 87 days, FedLoan Servicing has still not processed my application for the REPAY plan. On XXXX XXXX, FedLoan Servicing sent me erroneous and incomplete repayment terms. After speaking with both a customer service associate and supervisor, I was told that FedLoan Servicing incorrectly processed my application and that it would need to re-process my application. The supervisor, XXXX-employee # XXXX, assured me that my application would be prioritized and quickly processed after I paid an amount of {$250.00}. Yet, after I successfully submitted this payment on XXXX XXXX, FedLoan Servicing has still not processed my application nor has it provided my with any additional information, instructions, or guidance.
Product: Mortgage

This is my 5th complaint without any resolution. My mortgage was brought current via Indiana XXXX XXXX Funds in XXXX, payment of {$26000.00}. Since then Homepoint Financial has added past due amounts that has went from {$6000.00} to now currently {$42000.00} in a matter of a few months, How's that happen? My housing councelor has made every attempt to contact Homepoint with no success. I've been advised that foreclosure has been filled yet again. I've requested and received a complete payment history and we have noticed 7 payments from 2016 of {$1000.00} each not listed on the payment history. We made these payments via certified bank check and have requested copies of the cleared checks from our bank. If these payments were not credited to me Homepoint has no grounds for foreclosure. Between the XXXX XXXX Funds payment of {$26000.00} and the {$7000.00} in payments we made that's not showing, there's no way we can be past due. Escrow is showing a negative balance of XXXX which is 100 % false because the hardest hit funds brought the escrow current. How can my escrow go {$12000.00} in the negative in just 3 months?
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It XXXX Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( XXXX ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX, XXXX XXXX, FL XXXX HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX NAME XXXX DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute and Request to Update Personal Information Dear Sir/Madam, I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : Name : My current legal name is XXXX XXXX XXXX, but it is listed incorrectly on my credit report as XXXX, XXXX, XXXX. I request that my name be updated to reflect the correct information. 

Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, but my credit report shows an outdated address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I request that my current address be updated accordingly.

Contact Information : I request that my new phone number, ( XXXX ) XXXX, be updated as my primary contact number. 

-I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : -A copy of my driver 's license or passport displaying my correct name. 
-A recent utility bill or bank statement showing my current address. 
-A copy of my phone bill or any other official document that displays my correct phone number.
Product: Credit reporting or other personal consumer reports

i have not supplied proof under the doctrine of estoppel by the silence XXXX. XXXX XXXX ( XXXX  ) XXXX XXXX presume that no proof of alleged debt. Nor therefore any such debt in fact therefore exsits. ( please remove this account before i seek litigation for defamation of character ) fXXXX XXXX XXXX  balance {$470.00}, XXXX XXXX XXXX XXXX  balance {$7400.00}, XXXX XXXX balance {$0.00}, XXXX XXXX balance {$2300.00}, XXXX XXXX XXXX XXXX XXXX balance {$2800.00}.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I was the victim of a Reverse Wire Transfer scam involving my Wells Fargo savings account. Please see the attached police report and Internet Complaint Center report. The Internet Complaint Center is a division of the FBI. 

Has Wells Fargo taken any steps to identify the perpetrators of this scam? Has Wells Fargo cooperated with law enforcement inquiries? What are the results to date? Please advise. Thank you.
Product: Debt collection

I spoke with a  XXXX . She claimed that this was a debt for  XXXX . I advised them that I did not know what this debt was. I did n't have an account number as I noticed it on my credit report and there was none. They asked for my social security number which they could not locate an account for me. I gave my phone number which they could not locate an account for me. They also could not locate me by my address. Finally she asked for the amount of the debt and to spell my name again. This is when she found the alleged debt. I asked them what they had to validate and they could only provide me with an address I have never lived at. An insurance company I never had. When I expressed my concern with them not having my social or anything to prove this was me. She became taunting and started rambling off all types of dates and times they allegedly contacted me. When I expressed that they had the wrong information she then became angry and laughed in a nasty way and told me that I was more than able to contact my insurance to find out what it is. I expressed again I did not have that insurance and she then told me that I could pay or have legal action taken against me. When I asked if she could send me what she did have or email that she did not have my social, etc. She became very angry and told me she would not be sending anything. I advised her that I had already disputed this alleged debt with all three Credit Bureaus and that it was updated but not verified and still remains. I have asked numerous times for them to provide proof and they have not and this is why I was calling them directly. I advised that if they could not provide with something to confirm this is my account to remove it and she said no. I then advised I would be filing a complaint with this forum and that the next step would be legal action. She advised me that I could do whatever I wanted and the only legal action would be against me and hung up on me.
Product: Vehicle loan or lease

XXXX I purchased a vehicle from CARVANA which this XXXX claims to have a easy and next day delivery process XXXX weeks is very unacceptable for a vehicle to be delivered first problem was the vehicles couldnt be registered in Massachusetts because they didnt renew their regulations for the state, which is absurd because this is a car delivery service unacceptable. This process has also costed me financial stress due to constantly rescheduling this vehicle delivery
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XXXX sent first letter out to XXXX  and TransUnion ( regular accounts, medical accounts and bankruptcy ) XX/XX/2021 I sent 30 day comply letter ( certified mail ) it is now 3 weeks past the 30 day mark.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violates the consumers financial protection act CFPA. specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. these actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

XXXX XXXX, 2016 To : BWW Law Group CC : XXXX. XXXX XXXX XXXX XXXX : NOTICE TO CEASE AND DESIST Third Illegal Attempt to Schedule Sale of Property of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX Case # XXXX To Whom it May Concern : I just had a letter forwarded to me dated XXXX XXXX, 2016, notifying me that BWW Law Group has scheduled a sale of my family 's home on XXXX XXXX, 2016. This action is in direct defiance of judge XXXX disposition of this matter at the hearing held on XXXX XXXX, 2016. At that time judge XXXX clearly stated that the matter would be held sub curia. The hearing on XXXX XXXX constitutes judge XXXX last decision on this matter. 

Until the judge makes a decision, neither party may take any action governed by the sub curia status -- which means that the issue is clearly not decided. 

BWW Law Group must immediately cancel this sale scheduled on XXXX XXXX, 2016, as it is clearly prohibited by law. This is the third illegal act of this nature perpetrated by this entity. This is not behavior acceptable for officers of the court, and it is grounds for an official grievance process to be propounded upon all parties who have participated in this process. 

I have made a formal complaint with the CFPB and will continue to explore all avenues at my disposal to ensure that this sale is stopped. Not only does this sale flout the authority of the Circuit Court, it also violates dual tracking as my application for a loan modification has not yet been decisioned by XXXX. 


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

Both Equifax and XXXX are not providing a credit report on XXXX XXXX  's response is : " We're sorry A condition exists that prevents XXXX from being able to accept your request at this time. 
To obtain your XXXX annual credit report, please mail your request to the address below using the XXXX XXXX XXXXt Request form. '' Equifax 's response is : " Internet Delivery Unavailable - Mail-in Request We're sorry, for your protection we are unable to deliver an Equifax Free XXXX XXXX XXXX   over the Internet. 
Request by Mail To request your Free Equifax Credit File by mail, please fill out the attached form ( PDF file ), along with the documents described below and mail them to : XXXX XXXX XXXX Request Service XXXX  XXXX XXXX XXXX, GA XXXX Please include with the attached form a copy of one item in EACH of the categories below in order to enable us to verify your identification and address. The item you submit from the " Identity '' category MUST contain your Social Security Number and the item you submit from the " Address '' category MUST contain your current home mailing address. 
To ensure that your request is processed without delay, please enlarge photocopies of any items that contain small print ( i.e. driver 's license, W2 forms ). To avoid additional delays, keep in mind that if photocopies you submit are not legible or contain highlighting, we may ask that you resubmit your request with more legible documents. '' Both companies make it extremely cumbersome to get a credit report, which is against what FCRA is all about. 

Please help
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 XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX total dud false advertsing on their page XXXX XXXX XXXX as just visa deceptive practice have them remove it from their company site
Product: Payday loan, title loan, personal loan, or advance loan

Approved for a loan believe they were phishing for my information and bank accounts
Product: Credit card

Capital One has their payment due date cutoff time at XXXX XXXX XXXX meanwhile there are still 4 more hours of the day available to make payments. This is another way of pushing their late payment fees and credit reporting. This is price gauging on consumers. I tried making my payment at XXXX XXXX  and I couldnt. Now I have to pay late fees and have my credit affected because of it. 

The government should be notified and take actual into things like this that the banks are doing, and protect the consumer from all these fees. The cutoff time should be at the end of the day for all payments.
Product: Checking or savings account

In early XX/XX/2022, Bank of America closed my account and froze {$5600.00} in it. They claim to audit the funds. However, it has been more than 7 months now, and their investigation still has no results, and they have not informed me when they will be able to investigate and complete the funds. If Bank of America insists on embezzling citizens ' assets, then I will take a lawsuit or submit to arbitration to protect my interests.
Product: Credit reporting or other personal consumer reports

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant XXXX XXXX XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.