23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I closed my home on XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX on XX/XX/XXXX. 
Homepoint Financial was my mortgage company and there was an overpayment of escrow of {$2000.00}. 
During the closing Homepoint sent the money to XXXX county IA for property taxes which was an over payment.Taxes were also paid at closing. 

I went to XXXX county to claim the funds and they told me the funds were returned to XXXX XXXX.I raised a ticket with XXXX XXXX on XX/XX/XXXX and got feedback on XX/XX/XXXX Below is the reply Thank You for your inquiry, We verified our records for parcel # XXXX refund in the amount of {$2000.00} was already received from tax office and was processed to the lender on XX/XX/XXXX, Please find the attached screen shot and you can reach out to you Mortgage company ( HOMEPOINT FINANCIAL CORPORATION ) for any additional inquires. HOMEPOINT FINANCIAL CORPORATION Please feel free to contact me with any additional questions you may have. To reach a member of our Customer Product Support Team, please email XXXX or via telephone at XXXX. 

XXXX Customer Product Support. 

I called Home point financial XX/XX/XXXX they got the escrow money but sat on it.I spoke to an agent and she stated she will escalate.Its over 40 days since I closed the home.I need Home point to overnight my refund am struggling to make ends meet and I did not expect this time frames. 

XXXX XXXX Home point Financial # XXXX Property Address XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft according to the IRS I put a alert out to all three credit bureaus yeah and XXXX  is the only one to have fixed most of my account except one collections account its not in there but XXXX and XXXX XXXX still have XXXX XXXX agency is that are not mine even though I told him I was a victim of I dont like that and I was part of the XXXX breach which Ive been informed from the XXXX breach settlement these are the collections accounts that have been already taken off XXXX but still show n XXXX  and XXXX XXXX That I dont recognize - 1 ) Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$160.00} Amount {$160.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ( XXXX ) XXXX XXXX ) Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$600.00} Amount {$600.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # XXXX Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX XXXX ) Date Reported : XXXX XXXX, XXXX Collection Agency QUALITY ASSET RECOVERY, LLC Original Creditor Name XXXX XXXX XXXX XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$720.00} Amount {$720.00} Status Date XXXX XXXX, XXXX Status UNPAID Balance Date XXXX XXXX, XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # # # # # # # # XXXX Last Payment Date Date of First Delinquency XX/XX/XXXX Comments ACCOUNT PREVIOUSLY IN DISPUTE NOW RESOLVED BY DATA FURNISHER Contact QUALITY ASSET RECOVERY, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NJ XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Self inc financial is reporting my account as late, paid off.. I made all my payments on time and need for the to update my account to paid off, paid on time, and need it to be updated on all three credit bureaus.. this has affected my credit tremendously
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent credit card was opened in my name in XXXX of XXXX with XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I had no choice than to settle this account with XXXX XXXX XXXXXXXX XXXX XXXX XXXX in XX/XX/XXXX because I was applying for a mortgage and this fraudulent account was affecting me from getting a mortgage. I never opened any account nor received any service from XXXX XXXX. My identity was stolen to open this account. I filed a police report along with an identity theft report. Submitted both reports to the credit reporting agencies and they failed to remove this fraudulent charge-off account from my credit report. I also sent a certified letter to XXXX XXXX requesting a debt validation and still havent received a response. Attached is proof that Ive made several attempts to get this fraudulent charge-off account removed from my credit report. I never authorized this account, please remove from my credit report immediately.
Product: Payday loan, title loan, or personal loan

Crane Finance provided a loan of {$320.00}, has taken over {$600.00} from my account, and yet still claims a balance of over {$300.00}. When asked for a copy of their business approval to operate in the State of California and the TILA statement, they have failed to provide. 

I request that this company consider the loan paid in full and cease the endless calls that are bordering on harassment at this point.
Product: Mortgage

On XX/XX/XXXX, I received a letter from my mortgage servicer, XXXX XXXX, telling me they were transferring servicers ( to ServiceMac/XXXX XXXX XXXX and my loan terms would not change. I am on a fixed rate FHA loan. 

For further context, I have been on a deferment plan since XXXX of XXXX, in which I began making payments again under a reduced amount of {$1200.00} after being unemployed for four months. This process of forbearance began XXXX XXXX. I went under the agreement that the money I owe will go to the back of my FHA loan, and I will not need to repay it until I sell the house or by XXXX, when my mortgage will be paid off. Once this forbearance period ended, I was supposed to go through a review process and determine if I needed this modification to be extended or changed. 

However, when the servicer changed, I began to run into problems. On XX/XX/XXXX, I called to make my reduced payment, but this was not honored by the new servicer. I had to pay the full amount, and they told me they could not find the paperwork I had for this deferment period. They told me a case manager would contact me, but they never did. 

Days later, on XX/XX/XXXX they marked me as delinquent, sent me two solicitation letters on XXXX and XXXX, and reported my mortgage account as CLOSED. This sent my credit score plummeting by almost XXXX points. They also falsely reported late payments and my account says I am 290 days overdue on one letter, 9 payments overdue. I have been paying my mortgage since XX/XX/XXXX. I was also charged a late fee of {$100.00} on my payment -- when these payments have never been late. 

On XX/XX/XXXX, I did get a hold of someone with the payments department, but he was of little help. I have been calling almost every day since the transfer to try to understand what is going on. Otherwise, I am unable to get in touch with the servicer, as they send me straight to an automated message about being too busy to answer the phone, no matter which number I call. I tried calling eight times on XX/XX/XXXX. I also spoke with a HUD counselor to try to interpret the situation, but he was unable to get a hold of them either. 

I want this resolved. My credit score has taken a huge hit after I have been working hard to repay my debts. I finally got it back up since being unemployed... These late payments are FALSE. I can provide records of my payments, my deferment notice, and the delinquency letters I have been receiving from XXXX, if needed. 

Thank you.
Product: Bank account or service

I opened my citigold checking account on XXXX/XXXX/2016 using the promotion code XXXX. This promotion code XXXX was for earning XXXX XXXX Points after making XXXX or more bill payments for XXXX consecutive months within 60-days of account opening. I made XXXX separate bill payments, XXXX on XXXX and XXXX on XXXX/XXXX/2016 which satisfied the bill payment requirement. Following this, I confirmed with a CSR rep that I met the requirements for the promotion and would receive the ThankYou Points. A month later, my account had to be closed due to fraudulent activity. I asked the bank if I could still receive the thankyou points if I opened a new account. They told me that I would not receive the points because my original account was never targeted for the promotion. I argued that since the CSR rep told me I met all the requirements, I should be awarded the points. They refused. I can not access my online account to provide supporting documents because it was closed due to fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  Acct # XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX  account # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. states that 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. 

XXXX XXXX XXXX # XXXX and Account # XXXX In accordance with the Fair Credit Report Act XXXX XXXX XXXX # XXXX and Account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. states that 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. 

XXXX XXXX XXXX Account # XXXX In accordance with the Fair Credit Report Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. states that 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.
Product: Debt collection

I received a collection notice from XXXX XXXX XXXX XXXX XXXX on XX/XX/21, claiming debt owed on an old USBank checking account of mine in the amount of {$3900.00} and for a settlement amount of {$790.00}. Upon looking into this further by speaking with USBank, I was informed that there was a lump sum transferred to this account that I have no knowledge of. I next made action to obtain the proper debt validation from XXXX XXXX by sending a Credit Validation letter by Registered Mail on XX/XX/21. I have signed receipt of mail on XX/XX/21, however, XXXX failed to return the validation information to me within the allotted 30 days. It should also be mentioned that upon looking into other consumer 's experience with XXXX, there are anecdotal reports of other consumers receiving fraudulent debt claims from XXXX. 

Please let me know if I may provide any additional information. 

Thank you! 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reached out to Experian, XXXX and XXXX in XXXX of 2023 regarding information reporting on my credit report that I can not identify as being mine. They stated I needed to file an Identity theft report regarding the inaccuracy of my report. On XX/XX/2023 I mailed off Certified documents such as my FTC.Report, drivers License, social security card, proof of residency, a notarized affidavit report and a personal letter supporting the fraudulent Activity. They responded after the 30 days allotted time and said I needed my supporting information for my identity theft. I have filed yet another identity theft report as well as an XXXX XXXX Report that supports my information has been compromised and I do not know of the accounts or inquiries reporting. These are the COMPANIES AND ACCOUNT NUMBERS and inquiries as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I meant to purchase XXXX BTC on coinbase.com on the morning of XX/XX/XXXX. However, transactions on coinbase will be pending for 1 week and mine will complete on XX/XX/XXXX. Immediately after the transaction, I realized I purchased XXXX.  I immediately took to the support center to find a way to remedy this situation. It is impossible to speak to a human or get help for anything with coinbase.com. I have submitted a support request, but I then proceeded to read horror stories about many months-long support requests online. I am appalled by the level of service this company provides given the amount of money that is exchanged on this website each day. How can a company like this be so negligent when so much is at stake? How is it not possible to cancel a mistaken transaction while it is still pending, and will not take place until XX/XX/XXXX?
Product: Credit card

I have tried to block XXXX from putting charges on my Capital One credit card. The merchant does not have authorization and yet they continue to hit my credit card with over {$300.00} charges monthly. The XXXX contract is in open dispute and they do NOT have authorization to charge my credit card.
Product: Mortgage

We where given a MHA modification effective XXXX XXXX 2014 with our mortgage company Ocwin Financial. The program was MHA 's Principal Reduction Alternative ( PRA ). Ocwin issued a XXXX Cancellation of Debt dated XXXX XXXX 2014 showing a discharged amount of XXXX. However the program is structured so that the balance is a forbearance and then XXXX of that forbearance will be forgiven on each XXXX year anniversary for a XXXX year period. Ocwin should not have issued a XXXX for the forbearance on XXXX XXXX 2014. We have contacted Ocwin on serveal occations and the refuse to issue a corrected XXXX. This has resulted in a XXXX dollar tax bill. We where expecting a return of XXXX that was going to be used to help make our mortgage payments. Ocwin 's mistake has resulted in us being unable to make our mortgage payment and accruing interest and penalties with the IRS because we can not afford to pay the outstanding balance with them. We feel like we are in a catch XXXX. If would could resolve this issue it would save our home.
Product: Mortgage

I have been working with PennyMac since XXXX of 2019 and have had nothing but issues. My bimonthly payments were not being accepted since " the company doesn't recognize partial payments. '' I had to call every month to have them moved. Starting XX/XX/2019, I went to making full payments hoping it would reduce frustration. However, it hast, just lead to more. They continue to lose payments and their statements/loan activity is so difficult to follow it hard to decipher what they are doing, where the payments are going to, and why a certain amount is put into " Suspense. '' I thought they had to apply an overpayment to the loan in one form or another. I also receive harassing phone calls weekly stating I need to make additional payments. I have filed 2 discrepancies against their payment activity. Their response was " it was an IT issue and it has been resolved. Your partial payment was reversed. '' I never saw this reversal. I also had my agent at XXXX reach out to the company on several occasions and have received vague answers. I don't know where this reversal went but it wasn't to my account. Please look into this. I am currently looking at refinancing and cutting ties with this company. My agent at XXXX XXXX contact information is below. 

XXXX XXXX Mortgage Banker NMLS # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, WI XXXX
Product: Debt collection

I contacted ProCollect about a month ago and requested they stop calling my mobile phone and to contact me via postal service. I still receive calls and voicemails from ProCollect.

Also, I sent the them information and requesting a copy of a contract showing my signature that I owe ProCollect {$530.00}. I advised in the letter I sent that I do not owe ProCollect and never went into business with them. I requested they delete all information on my XXXX, XXXX, XXXX credit report because I never signed a contract with them and they are reporting inaccurately. 

They did not delete the information and they did not show me a signature from myself showing I owe ProCollect.

However, that ProCollect sent me paperwork sent to them by the company that paid them for my account information.

I attempted to resolve this issue, but not successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, So XXXX XXXX XXXX. should be seriously questioned about their business practices. I applied for a loan with lending club during the pandemic and a time of struggle and uncertainty. I had a trouble paying the loan, and therefore was put on a financial hardship plan and it was AGREED no late payments would be reported if i paid on time. However, what they fail to mention is that you can never and i mean NEVER, get ahold of anyone at the customer service number and the website is not accessible. I could not make my payment with my checking account as i was dealing with fraud and i told them i had to use a credit card. They told me no, did not work with me and have since reported 5 LATE PAYMENTS!!! What kind of company doesn't take a credit card, and oh yeah, I've disputed with the credit bureaus, I've called XXXX XXXX, hired a repair agency and nothing. They now say they don't even do financial hardship 's and that i never should have had one? what kind of business is this? i've never been late and i request all late payments be removed. Not to mention, they've taken over 30 day 's to respond and still not remove it... .that is illegal!!!!!
Product: Checking or savings account

Wells Fargo was caught on numerous occasions reordering my account in order to incur overdraft fees and as of recently I have called and complained that I am having a financial crisis ; however, instead of rejecting payment, they are allowing them to process and charging me overdraft fees. I told them that the amount of fees that they want me to pay back on my account is enough to pay all my back bills and that I want my money returned in which they are refusing. Over {$1000.00} was charged in overdraft fees to me as of today from 2020.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX Block , Inc ) due to inadequate customer service and unfair practices which violate the 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 EFTA AND Regulation E. these have resulted in a huge inconvenience and financial loss. I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

This account is reporting Inaccurate negative information on my report. This account is reporting closed and is reporting a current payment status. This account was closed back in 2017 and was agreed to be removed from report. 

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

My ex-husband and I took out a loan for a vehicle in XXXX that was in both of our names from XXXX XXXX XXXX XXXX ( now known as XXXX XXXX XXXX XXXX ). We divorced in XXXX, and the judge awarded the vehicle to my ex-husband, and made him responsible for all remaining financial responsibility. In XXXX or XXXX of XXXX, my ex-husband voluntarily surrendered the vehicle. 

After the vehicle was surrendered, XXXX XXXX XXXX XXXX ( now XXXX XXXX XXXX XXXX ) sold the vehicle. On XX/XX/XXXX, XXXX XXXX adjusted the amount owed on the loan to reflect the repo sale proceeds bringing amount owed to {$15000.00}. They applied the LAST PAYMENT EVER MADE on this account on XX/XX/XXXX, in the amount of {$340.00}, bringing the outstanding debt to {$15000.00}. 

Since that last payment, XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX is reporting the account as current and has falsely reported numerous payments on this debt as recently as XX/XX/XXXX. I filed a dispute with Experian in XX/XX/XXXX, which they forwarded to XXXX XXXX XXXX XXXX, and there was no resolution. I proceeded to contact XXXX XXXX XXXX XXXX directly on XX/XX/XXXX, to ask about the falsely reported payments, and spoke to XXXX XXXX, Member Share Administrator. I asked her what her records showed as the last payment received on the account, and she said XX/XX/XXXX. That being the case, I asked her why they had reported numerous payments on the account that are being reflected in my credit report, when in reality, this should have already fallen off my credit report, as it is has been over 8 years since a payment was made. She said they had not reported any payments since XX/XX/XXXX, and pushed it back on the credit bureau saying it was their fault, and it could stay on my credit report for up to 10 years. I asked her to provide me with a current statement showing the balance owed, which she sent via email ( please find attached to this complaint ), and the current balance is {$15000.00}. I responded to the email asking her to also provide me with a payment history, but she has yet to respond to that request. I called and left her a voicemail, which she has not returned. I called back and asked to speak with someone that could help me with this request, and was told " they need to get their ducks in a row before someone could call me back to discuss this request. '' Something is very wrong with this situation. XXXX XXXX XXXX XXXX is falsely reporting to the credit bureau ( s ), and I need help getting this resolved. The debt is not currently showing on my TransUnion or Equifax reports, but is showing on the Experian report. The debt showing on my credit report is the exact amount that has been owed since XXXX, so it is not possible that any other payments have been made on this account - simple math proves that. 

This account that is over 8 years old, with no payments made, and should have fallen off of my credit report by now. Please help me get this information corrected. Thank you for your help with this matter. 

XXXX XXXX XXXX ( formerly XXXX XXXX XXXX )
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX of 2024, I contacted LexisNexis, contesting the inclusion of an erroneous bankruptcy on my credit report. I was asking the agencies the method of their investigation. I received no response. According to XXXX XXXX XXXX XXXX ( XXXX ) " mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who XXXX have knowledge concerning any such items of information. However, such information shall not include specific factual information. 

According to XXXX XXXX Code XXXX ( a ) ( XXXX ), " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the CONSUMER 'S RIGHT TO PRIVACY. '' This also is an infringement upon my right to privacy. Also, according to XXXX XXXX XXXX XXXX ( a ) ( XXXX ) -Permissible purposes of consumer reports " In accordance with the written instructions of the consumer to whom it relates. '' I have not given any written instructions to put any such information on my credit report.
Product: Credit reporting or other personal consumer reports

Company did a hard inquiry on my credit even though it states that credit will not be affected by inquiry.
Product: Credit reporting

EQUIFAX fails to remove the XXXX CARD account. EQUIFAX reports incorrectly that this account Terms are Revolving. EQUIFAX reports incorrectly that this account Credit Limit is {$19000.00} and yet EQUIFAX reports that this account was TRANSFER/SOLD. EQUIFAX reports incorrectly this account 's date of first delinquency is different from the day of first delinquency from the other CRA 's for removal. EQUIFAX continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.