23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Please consider this correspondence to be formal notice that our mutual client is hereby submitting a complaint regarding the denial of loan modification because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ).
Your company failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore this client 's application is entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ). We have been advised all information must come through the opposing counsel handling the foreclosure of the loan due to it being listed as a litigation file with the lender - XXXX has tried many times to obtain this information and the lender has failed to provide what is being asked for regarding the review of a modification.
Product: Checking or savings account

On XX/XX/XXXX XXXX XXXX took XXXX out of my account when I had an existing arrangement. Reached out to Chime the same to dispute. They told me I had to wait until it was fully processed which took 3 days. I reached out and submitted the claim on the XXXX on the XXXX. I did not provide documentation at that time. The claim was denied on XX/XX/XXXX. I requested information on why it was denied and was provided a call log composed by the service rep which was i inaccurately transcribed. I reached out the same day and added documentation with the merchant on the payment amount and date of arrangement. The claim was again denied. I reached out again on the XXXX and they asked if I wanted to open it again a provide documentation again. I did so again and the claim was denied again and I reached out again to request documentation on why.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the Fair reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting XXXX and Experian for years about updating my payment history on the XXXX  accounts. I have sent proof numerous times from XXXX  showing I have never been late on any of the loans. Since they can not /will not update all payment history to positive as it should be, I want them to remove all XXXX  from my credit report. I am attaching my current up to date loan verification letter showing NO zero late payments.
Product: Mortgage

On XX/XX/20, my title company, XXXX XXXX XXXX, paid off my loan with CMG Financial Services, XXXX, New Jersey, on property in XXXX, California. Since that time, I have been patiently waiting for CMG to process the escrow checks in the amount of {$7600.00} and {$52.00}. To this date, I have not received any correspondence from CMG. I contacted CMG Customer Service by phone on XX/XX/20, XX/XX/20, XX/XX/20 and was told that the check had been issued and I should have received it via the USPS. On XX/XX/20, I contacted CMG Customer Service, Loan Administration Dept to request an investigation. On XX/XX/20, I received an email from XXXX XXXX, Support Representative, Question Reference # XXXX stating that CMG had requested a stop payment on previously issued checks and re-issued a new escrow check. I was to receive the replacement checks within 10-14 business days. It has now been more than 3 months since I have tried to resolve this matter to no avail. Therefore, I would like to file a complaint to find out why I have not received my escrow checks.
Product: Checking or savings account

Would like to see about the overdraft fees that are being reimbursed
Product: Debt collection

I have sent a police report and Identity Theft affidavit to Southwest Credit several times and they keep trying to collect on a debt that was involved in identity theft.
Product: Mortgage

Loan Care is in violation of CA Homeowner Bill of Rights guidelines which require an answer to a workout request after 30 days of request submittal. At issue is a short sale request that was submitted almost a month ago and Loan Care has yet to even do any work on the file, advise as to any status, order an evaluation or anything.

This gross criminal negligence regarding a financial matter is unacceptable. Loan Care must either divest itself of too many loans or hire more people to handle the work load. There needs to be an investigation into how many guidelines are being violated by this company who is not doing what they're required by law to do.
Product: Debt collection

STELLAR IS CALLING MY CELL PHONE NO AFTER CEASE COMMUNICATION LETTER DATED XXXX/XXXX/2016 IN VIOLATION OF TCPA AND FDCPA.
Product: Mortgage

On XX/XX/XXXX18 we called in for a payoff amount. We were given an amount of {$2000.00}. We electronically made that payment. At the time of the inquiry we asked when can we expect to receive the escrow money and lien releases. We were not told at the time that the escrow money was included in the pay off amount. We received the lien release and a check of {$2.00}. We called in today to inquire once again about the escrow balance of {$870.00} We were told it was included in the payoff amount.

We have paid off other mortgage 's in the past and never has the escrow been included in the payoff amount. It is a separate account and should be explained up front that the escrow is part of the payoff. We feel this is shady at best and may need to be investigated by the proper authorities.
Product: Mortgage

I was behind seven months on my mortgage this year. I paid my past balance completely and I have been up to date for the past 4 months. Wells Fargo late date is the XXXX of the month. I generally pay before the XXXX Wells Fargo starts calling the home and cell phone at least twice a day. starting on the XXXX day of the month. Is this harassment and legal? I have requested them to call if I am beyond their time period but they keep calling before the XXXX on. I have not been late. They are persistent and aggravating.
Product: Credit card or prepaid card

This issue began with a charge in the amount of XXXX for basketball tickets in XXXX. 
Due to Covid the event was canceled. 

The company finally agreed to refund the charges and to date I have not been provided a credit from American Express. 
I have reached out to American Express directly by phone on several occasions and provided a reference number I received from XXXX XXXX. I have also submitted a request to the XXXX XXXX XXXX for help and no resolution. 

I requested a manger to contact me to review transaction history and I in return I get someone who is contacting me from an overseas number in which my phone will not accept. I explained this to one of the representatives. 

I asked for a breakdown of the balance detail to confirm the credit was received based on my review of activity and I continue to receive a statement which reflects the same information online. 

Based on my review I still have not been granted the credit.
Product: Credit reporting or other personal consumer reports

TranUnion has reported on my credit profile a Social Security account for {$500.00}. Said account was paid and closed at the creditor 's request. Yet, said account remains on my credit profile.
Product: Debt collection

I check my credit score often and on my credit reports I have no knowledge of rmp service the from where its coming from I know its a medicine place it says but I never heard of it and im very upset its on my credit report I tried disputing it and I have no papers from it its just on my credit
Product: Credit reporting or other personal consumer reports

My account with XXXX - XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX - XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Mortgage

In XXXX of 2022, we asked our servicer to help us with the XXXX XXXX XXXX XXXX forbearance. We were falling short on money due to covid, and lack of work. The forbearance was set up, and we requested documentation on how the forbearance would work, how it would affect us : such as repayment and any changes to our mortgage. They promised time and time again that they would email and reach out to us with this information. At least ( 5 ) separate occasions we called and got the same response : that they would email the info. No written documentation was ever sent, pertaining to the future. We were only given verbal reassurances that all the debt would be added to the end of our loan. We were fine with this, as we have plenty of time to save being new home owners. 
Now : we are back on track to paying our mortgage regularly, and we ask if we could have our PMI insurance removed as we have met our 25 % equity requirement. We were told to pay a fee, to have the house appraised ; so, we did. An individual came and took pictures, then told us at the end that he was not doing an official appraisal. The next thing we know, we received a letter from the servicer stating that we owe XXXX XXXX dollars, and that our mortgage is going to increase by a third from {$1600.00} to {$2200.00}. We can not afford this, and will probably end up in foreclosure in due time. What should we do?
Product: Credit reporting, credit repair services, or other personal consumer reports

3rd REQUEST : I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Home Address : XXXX XXXX  XXXX SSN : XXXX Improper use of credit report ( shared without consent, credit inquiries appearing on my XXXX credit report by your company that I did not authorize ) XXXX  XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three credit agencies concerning XXXX XXXX for years now after disputing that I did not have any late payments. Not knowing much about credit and fraud at that time. Now I study the consumer laws to help myself get back what I was trying to achieve with credit. I sent XXXX XXXX many letters to rescind and opt out because of Identity reason and they did not give me that disclosure in BOLD letters giving me the option to opt out. Also this company created fake accounts around XXXX  and now doing illegal transactions once again. Attaching my letters which was sent to the agencies. 

Notice ; I am opting out with the notice of right to rescind. XXXX XXXX never gave me that right, a creditor shall deliver two copies of the notice of the right to rescind and shall identify the transaction or occurrence and clearly and conspicuously disclose the ONE to FIVE above. This is my RIGHTS. 

6801. Protection of nonpublic personal information ( a ) Privacy obligation policy 1681b. Permissible purposes of consumer reports ( a ) In general - Subject to subsection ( c ), ( 1 ) ( 2 ) This letter is in good conscience because I did not give anyone permission to report any of my information. They took my information and transferred it to a non-affiliate third party without my permission and created the profile that supposed to represent me the consumer that which I did not approve of. According to these laws, is that not identity theft?
Product: Credit card or prepaid card

My citibank account has been showing that is has been pasted due for more that 6 months which is not correct. I have made payments every month on this account. When this account was closed my {$200.00} security deposit was applied to balance. For some reason my required due each month was more than 300 % what it should have been. I have added the bills and payment history to this email. Citibank stated they would not correct my credit report and stated information is correct when it is not.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN, XXXX AND XXXX are reporting incorrect information for an account : company name, account numbers, balances, and payment histories are wrong.
Product: Payday loan, title loan, or personal loan

I spoke with the District manager and went over a balance that was showing on my credit report the district manager informed me that fees occurred on the account after it charged off but refused to give me an itemized invoice showing me how much inches was occurring on the on the account when it when it charged off I have asked several times for them to give me an itemized invoice of my of my choice of loan and the balance which included their interest and fees that theyre stating it is possible that they are trying to combine an old account that was bought that was purchased from them from another lender that I am currently in dispute with. Furthermore I do not believe it is fail or should be legal for a loan company to charge interest on a charged off account and refuse to give me a statement showing the amount. This account has been charged off since 2018 and now their stating interest has accrued
Product: Credit reporting or other personal consumer reports

Complaint Details : 1. Description of the Issue : On XX/XX/year>, Ally Financial submitted a letter to me, XXXX XXXX, stating that my auto loan was paid off. During this period, the Texas Title for the vehicle was released by Ally Financial and sent to me via mail, further confirming that the loan was settled. 

However, on XX/XX/year>, I discovered that Ally Financial had reported my account as past due and delinquent on my credit report. I immediately contacted Ally Financial to resolve this discrepancy. During our discussions, Ally Financial admitted that they had mistakenly sent the letter on XX/XX/year>, incorrectly stating that the loan was paid off, and also released the vehicle title to me in error. Despite this admission, Ally Financial failed to inform me of any remaining balance prior to damaging my credit report. 

XXXX. Steps Taken to Resolve the Issue : I attempted to negotiate with Ally Financial and sought a resolution, making it clear that : Ally Financial had reported the account as paid off in their letter. 
Ally Financial released the title to the auto, reinforcing the statement that the loan was settled. 
Ally Financial never contacted me by any means to address their mistake or to notify me of any outstanding balance before tarnishing my credit report. 
I was more than willing to pay any remaining balance if one existed, as I was under the impression, based on Ally Financial 's communication, that the loan was fully paid off. On XX/XX/year>, I paid the remaining balance immediately upon being informed. Despite this, Ally Financial has refused to remove the negative reports from my credit report that were due to their admitted errors. 

XXXX. How This Issue Has Affected Me : The inaccurate reporting by Ally Financial has negatively impacted my credit score, causing undue stress and financial hardship. This mistake has affected my ability to obtain credit on reasonable terms, which is unfair given that the negative report resulted solely from Ally Financial 's admitted errors. 

XXXX. What I Am Requesting : I request that Ally Financial correct their records and immediately update all relevant credit reporting agencies to remove the negative entries associated with this account, given that these entries were made due to their mistake. I also ask for written confirmation that these corrections have been made. 

Supporting Documents : A copy of the letter from Ally Financial dated XX/XX/year>, confirming the loan was paid off. 
Records of communication with Ally Financial regarding the discrepancies and my prompt payment of the balance. 

XXXX. Desired Resolution : I respectfully request that the CFPB investigate this matter and ensure that Ally Financial corrects their error by updating my credit report to accurately reflect the resolution of this account as of XX/XX/year>, and remove all negative entries that were incorrectly reported. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue. 

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

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX XXXX later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX XXXX gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over XXXX XXXX so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXXXXXX XXXX XXXX and may have got into the hands of the wrong person.
Product: Credit reporting

We recently applied or and are receiving an Equity Line of Credit loan. The Credit Union has granted our application - but sent us our scores which are XXXX and XXXX. The reasons why we received deductions are not true. 
When we called the Experian, there was no option for dispute.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep DISAPPOINTMENT with your recent claims regarding my accounts. I AM REJECTING THESE CLAIMS ON THE BASIS THAT YOU LACK ANY MATERIAL FACTS OR EVIDENCE to support your assertions. As a result, I strongly urge you to initiate a thorough investigation into these matters without delay. 

Your claims have cast a shadow over my financial standing and have the potential to cause severe harm to my creditworthiness. It is imperative that we resolve this situation promptly and accurately. 

I insist that you immediately dispute these accounts and provide me with clear, documented evidence to support your position. Failure to do so will leave me with no choice but to seek a legal remedy to protect my rights and rectify this situation. 

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

XXXX, Transunion, XXXX XXXX XXXX XXXX To whom it may concern recently Made dispute with XXXX XXXX XXXX you replied back saying it was verified.. You Fail to send me documentation of the Description of the procedure or the re investigation by law.. This is a violation of of my rights.. 15USC section 602A states I have a right of privacy .15 USC 1681 604 A section 2 it also states a consumer reporting agency can not furnish a account without written instruction Also fail to send me signature of contract we agreed on You denied full validation that I requested by law. Please look in to this matter Cfpb XXXX XXXX XXXX
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 that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates XXXX ; XX/XX/year> I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with Lancaster Financial Services in XXXX South Carolina. I paid on time every month and paid the loan off XX/XX/2023. My credit report is showing my payment status has not been updated since XX/XX/2023, and is still showing I owe a balance of XXXX. I have called the company several times and ask them to please fix the problem and nothing has been done, now my credit report is showing account needs attention. Please help to get Thai issue fixed.