23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

on XX/XX/XXXX my father passed away. The home that I have resided in since XXXX had a mortgage on it in my fathers name. In his trust the home was left to me and has been deeded to me. I have been in contact with Freedom Mortgage since XXXX trying to pay off this loan. On multiple occasions I have been told the pay off has been requested only for me to call a week later after not receiving it and being told they need additional information. To date I have sent them a copy of the trust, my driver 's license, the death certificate, the certification, a copy of the deed, deeding the property from my father to the trust and then a copy showing that the property was deeded to me from the trust. on XX/XX/XXXX I spoke with a supervisor named XXXX ( identification number XXXX ) who assured me that they had all of the documents after a month and a half long battle and that the payoff would be requested with haste. On XX/XX/XXXX I received a letter mailed on XX/XX/XXXX stating that they needed a copy of my birth certificate to prove that I am related to my father. This is an excessive breach of my personal information at this point. They have every legal document showing that not only was the home an inheritance gift to me - but that it has been legally deeded to me. I called and spoke to a representative named XXXX ( identification number XXXX ) on XX/XX/XXXX who told me they should not be asking for my birth certificate, then asked who my step mother was ( she had faxed in documents to them as well ), and then told me they did need by birth certificate. It is my personal belief that since I am paying off the loan they are attempting to run up the interest on the home. Currently since this process started they have earned an additional two months of interest and since I have had to send away to vital statistics in order to obtain my birth certificate it looks as though they will be obtaining an additional two months. Every time I speak with a representative I am told whatever document they are requesting is the last one and then I will be able to obtain the payoff. This never happens.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

XXXX XXXX XXXX repeatedly called me harrassing me about payment of my mortgage loan even after I repeatedly told them I was working to modify my loan. They called dozens and dozens of times and I understand that this is not allowed under current laws. They strung me along for over 3 years, repeatedly asking for more and more information to modify my loan. Then when it would seem to be nearing a point where loan would be modified, they sold the loan to another company, which told me I would need to start the process all over again with new and updated information. My loan is currently held by SLS Mortgage which raised my mortgage rate to 6.675 % with only one week notice. I am now unable to afford my mortgage and they have advised that I will suffer foreclosure if I can not pay my mortgage. I have exhausted all of my savings and sold everything I possibly can to continue to make mortgage payments in full and on time. In order to keep my home, I need immediate help to modify my loan to an affordable interest rate, and I do n't think this is too much to ask since rates are now aroung 3 % and they are charging me 6.675 %, clearly a predatory rate. I am a widow of a XXXX veteran. Never did I or my husband ever imagine I would be in this position at XXXX years of age. I am frustrated and fearful beyond imagination that I will lose my home. Please please help me in any way you can. Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I placed XXXX separate orders with XXXX XXXX a few vibe XXXX transaction was with cashapp 2nd transaction was with XXXX XXXX. The XXXX order was returned delivered and received by merchant the order was for {$89.00} which was withdrawn from my cash app. Merchant says a refund was submitted and if thats the case I would see XXXX transactions from merchant XXXX the withdrawal and a second the funds being returned I only see XXXX transaction and cash app continues to deny my dispute
Product: Mortgage

Attached are the following documents : Loan Estimate ( XX/XX/23 ) Broker confirmed locked from Angel Oak ( XX/XX/23 ) Closing Disclosure signed XX/XX/23 Final Closing Statement from XXXX XXXX demonstrating the overcharge. 
I want an immediate refund of the overcharge in the amount of {$8400.00} which is the difference between the stated and agreed points of 1.5 % ( {$16000.00} ) and the points charged at closing of 2.25 % ( {$25000.00} ). 
At the time of closing, I was under the financial distress caused by the enormous amount of time it took to get the transaction done. I had many obligations to pay from the proceeds of the refinance, couldn't wait any longer and was surprised at the overcharge of 2.25 % points at the last second, as all of Angel Oak 's attachments confirm the rate of 8.875 % with a cost of 1.5 % points. The lock agreement confirms the locked rate and cost, which I advised XXXX at the time of closing needed to be adjusted. Angel Oak has been so advised and has not responded. I want payment in full for this unfair and deceptive act.
Product: Payday loan, title loan, or personal loan

I received a mail out stating that I was pre-approved for credit and to go online and apply. I did so and entered into a line of credit agreement in the amount of {$2500.00}. Not payment schedule was mentioned or disclosed at the time I took out the loan. First payment of {$77.00} was automatically withdrawn from my checking account. The payments are bi-weekly and the second one jumped to {$240.00}. My gross income is XXXX per month. I have XXXX child and simply can not afford this high of a payment. My father called on XXXX XXXX, 2017 and tried to get the company to lower the payment. They said that they could do whatever they wanted to and refused to address my concerns. 
The APR on this loan was 199 %. I feel this company is operating on an unfair and deceitful basis.
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 1 late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late payments Ive attached the copy of my report to this complaint on the following dates XXXX XXXXXXXX XXXX Im now requesting you investigate and provide verifiable proof with records showing that I had late payments. 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

Item reappeared / a different company reentered a fraudulent collection previously removed by TransUnion. Original reference - some type of presumptive medical service in Texas ( 2015 ). I have lived in XXXX for 25 years. I have a mail address in XXXX, Texas. 

The 3 major USA bureaus have both my XXXX and USA addresses.
Product: Payday loan, title loan, personal loan, or advance loan

1st Franklin loan company is garnishing my checks at work and did not notify me before hand before doing so. Sent the paper work directly to my employer and not myself. Did not receive a court date either. When contacted, I was told I couldnt do a payment plan because it was out of their hands. Furthermore, the paper said I had 15 days to respond but I didnt get the notice to respond! Notice was sent to my job on XXXX signed it on XX/XX/XXXX and was signed and granted by my job and not myself on XX/XX/XXXX. I was not given the proper timeframe to contact anyone for a payment arrangement. This is unfair. I have XXXX children. Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

Select Portfolio Servicing in XXXX XXXX XXXX, UT illegally accessed my XXXX credit report ( see details below ) at least 7 times in at least violation of ( i ) Federal Bankruptcy, ( ii ) Federal FCRA ( XXXX ) California Consumer and ( iv ) California Privacy laws. 

SELECT PORTFOLIO SERVICING XX/XX/XXXX SELECT PORTFOLIO SERVICING XX/XX/XXXX SELECT PORTFOLIO SERVICING XX/XX/XXXX SELECT PORTFOLIO SERVICING XX/XX/XXXX SELECT PORTFOLIO SERVICING XX/XX/XXXX SELECT PORTFOLIO SERVICING XX/XX/XXXX SELECT PORTFOLIO SERVICING XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX  XXXX, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a fraudulent inquiry had been made on XX/XX/XXXX. 
I contacted XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX they could not verify that the information was being reported. 
I request that you initiate a reinvestigation into XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your reinvestigation is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. CEASE AND DECIST FROM COMMUNICATING WITH ME VIA US MAIL.

Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your reinvestigation for THIS SPECIFIC INQUIRY within 15 business days of the completion of the reinvestigation. Thank you for your assistance in this matter.

Very Respectfully, XXXX XXXX
Product: Student loan

Last Year around XXXX, I received a letter from XXXX XXXX XXXX regarding a student loan- I sent a debt validation letter to them and they sent me a contract but my signature was not on ANY of the documentation, the original lender was listed as XXXX XXXXXXXX XXXX XXXX XXXX . I called them to get more information but they refused and referred me back to the collection agency I disputed ted XXXX through the XXXX and this was removed from my credit report. This time I notice the Original creditor changed to XXXX XXXX XXXX which is now XXXX. I called XXXX while this was still in dispute and they had no record of any student loan from XXXX. XXXX XXXX send this to another Agency in XXXX of XXXX and I repeated the process and again it was removed again. I didn't hear anything from XXXX but received yet another letter in dated XX/XX/XXXX from XXXX XXXX XXXX regarding the same loan. i am exhausted this is affecting my credit an me completing my XXXX. This account is from XXXX!!!!! and it has not even been proven to be mine - How can they just keep sending it to different collection agencies and reporting like it's from XXXX. How can I protect myself and my credit?
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX of XXXX, I sent a wire transfer to a domestic account owned by XXXX XXXX XXXX XXXX in the amount of {$6300.00}. The wire was sent to pay for XXXX XXXX  XXXX XXXX  from an esteemed collection. The collection was said to be multi-generation with the items being over XXXX XXXX XXXX. These statements, advertising and descriptions were false. The items are modern reproductions with no value. I opened a wire fraud case ( XXXX ) and ( XXXX ) but heard nothing bank. If this is not resolved, legal action will be pursued. There is an open case with the florida attorney general regarding the fraud, case # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is currently reporting that I have balance increases for all XXXX accounts although I recently received an email from the XXXX XXXX XXXX dated XX/XX/XXXX stating that my loans are in " forbearance and or in stopped collections status '' since XXXX and " will remain in that status pending further direction.. ''
Product: Mortgage

Please accept this qualified written request for the following document relating to property commonly known as XXXX XXXX XXXX XXXX XXXX, NC XXXX. A copy of a XXXX XXXX for SunTrust loan number XXXX. Thank you, XXXX XXXX XXXX
Product: Debt collection

There have been multiple times advising the company that the accounts are not mine. XX/XX/2019
Product: Bank account or service

My business partner and I have experienced a total breakdown in communication with the BBVA branch XXXX, TX XXXX. The staff have not resolved simple banking issues and do not reply to our calls or emails. As a result our company : Can not make on-line wire transactions, despite compiling all the relevant paperwork in the branch in person in XXXX Have not been able to have new cards correctly issued Can not access the XXXX account all on line ( error message - account locked )
Product: Checking or savings account

I had a horrible experience with Marcus customer service when I tried to perform an outbound ACH transfer to a linked external bank from my Marcus savings account ending in XXXX on XX/XX/XXXX and XXXX. Marcus Bank held my money for two days due to no fault of my own. The lack of knowledge and training exhibited by the customer service representatives were very concerning. 
Most of the agents just keep repeating the same thing over and over as if they are reading from a script. They do not seem to be capable of dealing with issues which they are not familiar with. I wasted many hours on the phone with multiple agents and suffered financial damages and wasted many huors of my time. Below is a timeline of events. 

XX/XX/XXXX XXXX - Spoke with a supervisor who helped me submit an outbound ACH transfer request to a linked external bank account and was told someone will call me soon for PIN verification. 
XXXX - Called Marcus because I did not receive a PIN call and was told to keep waiting. 
XXXX - called customer service again and was told someone will call me for the PIN and told me to keep waiting. 
XXXX - called customer service again since no PIN call was received and was told to call back the next day. 
XX/XX/XXXX XXXX - My Marcus account was frozen and I was not able to log in, so I called customer service and was connected with someone in the fraud department who wanted to setup a three way call with the external bank to verify my account ownership at the external bank. he put me onhold to call the external bank. then he tells me the agent at the externalbank told him they do not do third party verifications and he removed the linked bank account from my profile. I later called the external bank and was told the bank does allow third party verification but they were suspicious of him and they refused to give out any customer information to him. 
XXXX - Called customer service and spoke with a supervisor who helped me submit an outbound wire transfer request to the same external bank account and was told someone will call me soon for PIN verification. 
XXXX - No PIN call was received and I did not want to wait for the PIN call which might never happen so I called customer service again. 
Finally I spoke with a supervisor named XXXX who was very knowledgeable about the issue and helped me complete the PIN call and connected me with someone from the fraud department who setup a three way call with the external bank and verified my account ownership. The wire transfer was completed the next day.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I made a payment arrangement to get my credit back in good standing with XXXX XXXX, on a chat with an agent named XXXX XXXX, we created a payment plan and expectation that they would start reporting my payments if they were made on time per the arrangement, my first payment I made was that day XX/XX/XXXX of XXXX $ my second one was due the XXXX of XX/XX/XXXX in the amount of XXXX $ and the next was XX/XX/XXXX $ - I made the second payment thinking it was the XXXX $ and realized I needed to make more of a payment so I tried to add money, they wouldn't accept it, so I called and spoke to several people about why they wont accept MORE money, after having to hang up on one person and calling back I finally got someone who deleted the first payment then took the correct amount, I then paid XXXX $ XX/XX/XXXX to get my account back in complete good standing. With all this being said I did all this to get my credit back in good standing so they were to report it, because I was moving and needed to get a credit check, I then find out XX/XX/XXXX that they reported me as not making a payment in XXXX and haven't reported ANY of my current payments - I called them and spoke to several people who said they have to follow the fair credit reporting standards etc etc however the agent I spoke to, XX/XX/XXXX said they dont have to report me as making payments and positive until I am in good standing, but yet that doesn't seem correct because I have made payments and you are reporting me as XX/XX/XXXX NOT making a payment then XXXX and XXXX you have no payments at all reflected, I can understand XXXX but NOT XXXX and XXXX. They won't fix my score until after my next billing cycle she said. So now I am unable to move because my credit is showing this and also they are violating my rights as a consumer - I am looking into legal action in small claims against them for this inaccuracy and the issues it is causing currently.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX of XXXX account was setup through XXXX XXXX Bank with autopayment draft. In XX/XX/XXXX either the creditor changed programs or had an internal issue regarding their autopayment software. I was notified that a payment had not been received. I contacted the creditor directly and was told that the error was indeed on their side and that they would remove any and all late fees and assured me no reporting to consumer reporting agencies. Furthermore, at no time was the account ever close to being 30 days late. After rectifying and assuring me that autopayment was correctly set up, the same thing occurred the following month. Once again I contacted the creditor and the process was repeated. Again, at no time was this account past 30 days late. 

Approximately two days ago I checked my credit report and noticed that the creditor had reported ( 30 days + late ) status on my credit report. I have excellent credit and no history of late payments with any creditors. This inaccurate reporting has resulted in two long term creditors revoking my 0 % rate which in term has now cost me damages in the form of increased loan interest. My legal counsel requested this account be disputed with the CRA 's and complaints filed with the XXXX and CFPB as a first step. I have detailed call logs of my interactions with XXXX XXXX XXXX XXXX Bank, but have been advised to not disclose at this time. If more info is needed, it can be provided.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I applied for public service loan forgiveness in 2015 and submitted the application twice and never heard from them, even when i called them. Now i have resubmitted again and was denied due to incomplete employer address. I called and corrected it and they said they would process it and i have n't heard back from them since that phone call a month ago. Now i am trying to recertify my ibr plan and have received XXXX emails stating they 've recieved my application on two different days, which does not inspire confidence in their process. My payment which i cant afford is now 2 weeks away. They need to be held accountable for the services they fail to provide to borrowers.
Product: Debt collection

The company is trying to make me pay {$220.00} for something i have and/or had no knowledge of. I have never done business or applied for anything related to this company. I have contacted them and the parent company and they told me an application was put on online under my name and they don't seem to care. 

The company is XXXX XXXX overlook. Some low end apartment complex in the XXXX, GA area.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bankruptcy on my credit file it 's a mixed file. Not mine
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX 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

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. 

XXXX. XXXX, XXXX : # XXXX, has violated my rights. 

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.