23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage was acquired by Flagstar Bank in XXXX, XXXX. They took over as mortgage servicer, but the holder of " mortgage debt '' is XXXX XXXX XXXX XXXX XXXX. See attached documentation of the mortgage transfer. As the mortgage company servicing the loan, and according to the Consumer Financial Protection Bureau, Flagstar Bank is required to assist myself as the consumer with anything required relating to the mortgage. In XXXX, XXXX, my husband passed away. Although my name is the only name on the mortgage, both of our names are on the title deed. In May, I followed procedure and contacted Flagstar Bank to begin the process of transferring ownership of the title. No one ever contact me. I contacted them again in XXXX, XXXX as there was no action. I sent a follow-up email requesting again that they take action to XXXX. I actually forwarded the original email, which contained all of the necessary documents as I had previously been advised. This was done to make sure that they did in fact receive yet again what they needed to comply with the request. I received an email response from XXXX XXXX XXXX stating that they " do not do that. '' There was an attempt to dissuade me from continuing to pursue the transfer of ownership by stating, " Your name is already on the mortgage, '' which as nothing to do with the title. I replied again and advised her that I was following the procedure as I was advised and reminded them that as the mortgage servicer they do provide that assistance. XXXX XXXX wrote back again, refusing to assist in this process, and then further stated that she suggest I " seek legal counsel. '' This is a violation of Regulation X of the Consumer Financial Protection Bureau ; Section XXXX entitled " General Servicing Policies, Procedures, and Requirement. '' More specifically, Section XXXX ( b ) ( 1 ) ( ii ) which states that a mortgage servicer must, " ... Investigate, respond to, and as appropriate make corrections in response to complaints asserted by borrower. '' They have also violated Section XXXX ( b ) ( VI ( a ) and ( iv ) which states that a mortgage servicer must, " provider owners or assignees of mortgage loans with accurate and current information and documents about the mortgage they own. '' I further question Flagstar Bank 's ability to service the mortgage for my property located in Colorado when as of XX/XX/XXXX, the second inquiry of the Sec of State records, they were not found as a registered business in Colorado. Although XXXX XXXX XXXX XXXX XXXX is the holder of the title, Flagstar Bank is still the subservicer of the mortgage. All mortgage statements are electronic. However, on the website while logged in, there is a logo of XXXX XXXX XXXX with a subline which states, " subserviced by Flagstar Bank. '' When the statement is printed, it states only " Flagstar Bank. '' See attached document containing references. This is a violation of the FTC " least sophisticated consumer '' standard.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX # XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

Need to delete the following inquires off my 3 major credit bureaus -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hello. This is about Chime. The support department is refusing to honor a referral bonus request made after several of their employees promised me that myself and the person i referred would receive that bonus in return for our patience due to a mistake on their part. 

they are now constantly trying to convince me that they did not say this when the line was recorded and three different people already promised that the bonus would be applied to the accounts in question. this is not about the bonus anymore this is about rectifying the fact that we were lied to and honoring a promise made. they have been rude, belligerent and quite unhelpful. despite the fact that we would have never made the account with them had we known how willing they are to lie to their customers. do not make a account with chime. it is the height of false advertising ... and their customer service lies to you to get you to agree with them making false claims and false representations about their accounts and services.
Product: Debt collection

XXXX XXXX XXXX appears on my credit report. I am trying to dispute the validity of the debt in the amount of {$620.00}. If the debt belongs to me, within the XXXX and the debt collector is licensed to collect in my state. Debt Collector has no contact information as all numbers have been disconnected.
Product: Debt collection

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on XXXX 'XXXX  response about the written requests I sent regarding WAKEFIELD & ASSOCIATE. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Product: Checking or savings account

I tried to close my Chase savings act # XXXX in Early XX/XX/XXXX as we moved from XXXX XXXX XXXX XXXX, XXXX XXXX, IL : XXXX on XX/XX/XXXX. A change of address was filed after we moved with Chase Bank at the XXXX XXXX as well as our XXXX credit card accounts. The act had {$1000.00} in it and the rep from the bank said they could only mail me a check for less than {$1000.00} - bank policy. I instructed her to deduct {$15.00} and apply it to my chase credit card which they did. I also gave her my change of address again to XXXX XXXX XXXX, XXXX, SC XXXX. The account was officially closed on XX/XX/XXXX. I did not receive the {$990.00} from the bank by XX/XX/XXXX. They said it would take 30 days to officially close the act and send me the balance. Late XX/XX/XXXX I received a letter ( attached ) from the bank stating that they had sent my change of  address to both my old and new address as a precaution. It never came to my new address because THEIR REP wrote down XXXX XXXX XXXX, not XXXX XXXX XXXX. All the rest of my Chase address changes had gone thru so I said I don't understand why the savings act hadn't. They said they would have to do a review or I could go to a Chase branch and file all this info and get my money there. The are no Chase Banks in this part of SC so when I told them that they said it would go under review and would take another 30 days until my money was returned. It's now been over 60 days and I still have no money. Their bank policies are illegal - it is my money and if I were in XXXX I could have walked into the branch, closed the act and been paid on the spot! This is gross incompetancy on their part. The account has been closed since XX/XX/XXXX but I can't get my $ $ due to another bank policy which says it has to be reviewed AGAIN!
Product: Credit reporting or other personal consumer reports

Incorrect or off information is being reported on XXXX and Experian. I am in a region that heavily relies on Experian. I have disputed info, but nothing has happened, My info was stolen from data breaches that have happened. I disputed what I do not recognize, but no action has resulted from it. I disputed through XXXX XXXX. Because of the misinformation, if a company uses a third party to supply info, it is incorrect and i am then kind of shutout and the only explanation is this is what we can see, you have to dispute the info, resulting in a cycle.
Product: Checking or savings account

Good evening, My name is XXXX XXXX. I have been with cash app for a long time where every time I try to get my account activated I am having problems with the card. So in return, i contacted cash app report on XX/XX/year> and talked to someone representing cash app where she had an attitude for the third time. I am aware of what altitude it was built it wasn't pone that was of being professional. She was acting if what she say is what's going to happen. I asked he " you'll sent a email that require them to respond in 24 hours do it? '' where she began to act belligerent saying " what '' and stating something as to what she want me to here other than me trying to find out what's happening. This has happen before where I couldn't get access to my account because my card is locked where this representative mis informed me that she wasn't going to enter any information involving me sending in documents to give to the investigations team of Cash App. During that time sometime last year I had to wait XXXX more weeks to receive my income tax because of her personal issues when a customer like me trying to ask questions about something. She acts as if I suppose to already know what's going on with me. This happen on XX/XX/year> around XXXX XXXX
Product: Checking or savings account

I am writing to file a formal complaint against USAA Insurance regarding a persistent issue of overpayment that has persisted since XX/XX/2023. Despite my numerous attempts to address this matter with the bank, I have encountered significant challenges in resolving the issue to my satisfaction. 

Since XX/XX/2023, I have consistently been overpaying for my USAA insurance, which has led to undue financial hardship and frustration. While I have engaged in communication with the bank to rectify this situation, I remain dissatisfied with the resolution process.

Specifically, I would like to bring to your attention the following grievances : Lack of Transparency : USAA Insurance failed to provide adequate
documentation explaining the reasons behind the overcharges. I received a refund check without accompanying documentation, leaving me in the dark regarding the details of the transaction.

Absence of Communication : The bank did not provide any alerts or notifications when the refund check was issued and mailed. This lack of communication has created uncertainty and frustration during the resolution process.

Tracking Information : USAA Insurance failed to furnish any tracking information for the refund check, raising concerns about the security of the transaction. In an age where accountability and security are paramount, this oversight is both unprofessional and irresponsible.

Multiple Overcharges : Beyond the insurance overpayment issue, I have also been subjected to unwarranted fees, overdraft charges, and transaction discrepancies by USAA Insurance. These additional concerns compound my frustration and erode my trust in the bank 's practices.

I believe it is imperative that financial institutions of USAA 's stature maintain the highest standards of professionalism and accountability. Therefore, I respectfully request the following actions : a ) Implementation of Documented Transactions : USAA should ensure that all financial transactions, especially those involving refunds or overpayments, are adequately documented, signed, and acknowledged by both the bank and the customer. 

b ) Enhanced Tracking : The bank should institute a robust tracking mechanism for transactions involving checks, particularly for security and customer peace of mind. 

c ) Comprehensive Evaluation : I strongly urge the Consumer Financial Protection Bureau to conduct a thorough evaluation of USAA Bank 's interactions with USAA Insurance 's, including its handling of overcharges, fees, overdrafts, and customer communications.

I appreciate your attention to this matter and kindly request that you investigate these grievances promptly. I hope that by addressing these concerns, we can contribute to the improvement of banking practices and ensure that customers are treated fairly and professionally. 

Thank you for your assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is Synchrony Bank/Venmo . For months the bank has not reported that I paid this account off. When contacted, they said they held on to the payment without posting it because they do that when there is more than one payment in a period. What is the reason for that? I told them what a hassle they have caused because on a {$300.00} credit limit, a {$290.00} outstanding balance ( false balance ) shows on XXXX that my one credit line is 95 % utilized, thus a negative! A huge negative for someone who needs assistance on her credit score. I asked the company to re-run it or report the accurate information. They did not. Another month has gone by. Now I have to wait 24 days for the inaccurate information to be taken off the XXXX report. I need this company to understand they ruin lives, they dont help lives. Inaccurate reporting hurts consumers and they are not compelled to report accurately.
Product: Mortgage

My mortgage was recently transferred to Mr. Cooper. Under my mortgage agreement, Mr. Cooper is required to pay property taxes and homeowners insurance on the property. I have made every payment that is required. Mr. Cooper has not made the homeowners insurance payment.
Product: Mortgage

Violations of My Consumer Rights!!!

28 3002-10 ( Person ) 18 USC Section 241 15 USC 1650 15 USC 1692 ( g ) ( d ) 18 USC 657 18 USC 1032 18 USC 1344 UNIVERSAL DECLARATION OF HUMAN RIGHTS ARTICLE 22 ( Relization ) ARTICLE 28 Everyone is entitled to a social and international order in which the rights and freedoms set forth in this Declaration can be fully realized.

ARTICLE 30 Nothing in this Declaration may be interpreted as implying for any State, group or person any right to engage in any activity or to perform any act aimed at the destruction of any of the rights and freedoms set forth herein.

I am The Executive of The Estate of XXXX XXXX XXXX!!!!!!!!!
Product: Student loan

I took out a private student loan several years ago with XXXX XXXX XXXX for a little over $ 3K. I filed a chapter XXXX bankruptcy in XX/XX/XXXX ( estimated ). I was informed at that time to stop making payments on all accounts. I was only allowed to make payments via my trustee. XXXX XXXX XXXX was included in my bankruptcy. Sometime in XX/XX/XXXX - XXXX - sold/transferred my loan to Transworld Systems. I received NO communication on this. So when I converted my Ch XXXX to a Ch XXXX in XX/XX/XXXX - I didn't know that this had occurred until I received a notification from a XXXX XXXX XXXX about the student loan being in collections. I was NEVER given the opportunity to work out a payment plan with XXXX and they have put this information on my credit report as a collection account. I have been making $ XXXX monthly payments via XXXX XXXX XXXX, who doesn't report to the credit bureaus, however Transworld is reporting my account as a collection account. How is this legal? I was NEVER given an opportunity to pay this account with XXXX as they sold the account to Transworld AFTER I had filed bankruptcy. I DO NOT OWE Transworld anything! I should have been allowed to pay this debt to XXXX and they should not have filed this as delinquent while I was in a Chapter XXXX & Chapter XXXX - just to put a collection on my account after my bankruptcy was discharged. Can someone help me get this removed from my credit? I don't see how this process was legal.
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 

Delete the accounts below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history 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 my 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 to be updated. 


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 TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( 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 1002 and It was never provided.

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


Update the late payments from my consumer reports
Product: Debt collection

I just got off the phone with XXXX XXXX, XXXX. I owe money for to hardships with my wife 's XXXX and XXXX XXXX 

The woman on the phone gave me an buyout offer that was ridiculous. I said no. She then said if I did not accept the offer it would be sent to lawyers for legal action. I told her threatening legal action in collection of debt was illegal. 

She denied the threat after I told her I knew the law. Saying if you don't do this, this will happen is a threat. Is illegal intimidation. 

I also informed her that I am a XXXXXXXX XXXX with no income that can be garnished or seized. Before she threatened me. 

The companies website also makes you sign away rights to see your information. 

This is a shady predatory company with no oversight. You need to step in. Not everyone knows that that's of legal action to collect are illegal. Either you sue or you don't.
Product: Credit card or prepaid card

On       this office obtained a copy of my credit report and it was a result of fraud. I am a victim of Identity Theft and I ask this office to handle this in a serious manner. I have XXXX XXXX   and additionally signed up for credit monitoring services with the credit bureaus and have reached out to Innovis as well. I have added a security freeze to my credit file to prevent this from happening in the future. I ask this office to complete an investigation and remove this from my report and any fraudulent address, phone number, or any information that does not belong to me that the unknown person used to apply for the account. I reached out to this office only to be transferred to someone who is foreign repeating everything twice or talking about something else other than my name being used. I have even been placed on hold only to be bounced around from person to person and the phone being hung up.
Product: Debt collection

My father attempted to clear a debt with a collection agency. They informed him that he could settle the debt for a specific amount. He received a letter stating that if wanted to resolve the issue all he would have to do would pay the settlement amount. The amount owed was {$1500.00} but to settle the debt. The only amount paid was {$460.00} but my father after paying was threatened that it would negatively effect his credit if he did not pay the full amount of the debt owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a mortgage with XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX. During that time frame I never missed a payment with that company. That is over a 8 year history of on time payments. I refinanced that mortgage with a Different lender at the end of XX/XX/XXXX which was XXXX XXXX During the refinance process I will was told by a representative of XXXX XXXX  named XXXX that I would be granted a 30 day grace period to allow time for the loan to close and that payment would be added to the back end of my loan. Unfortunately that did not happen because of an error on XXXX XXXX behalf and my account ended up being reported 30. Days late right before my new loan with rocket mortgage closed. This has negatively impacted my credit history and has prevented me from obtaining the best interest rate to purchase a new single family home. I was a loyal customer to that company and I need them to do the right thing and remove this late payment from My account based on my previous payment history and the incorrect information that I was given by customer service rep name XXXX in the first place.
Product: Student loan

I have a XXXX degree and significant student loan debt. I am currently working with XXXX different lenders. I keep records, and I pay on time. While my balances are decreasing with XXXX of the XXXX companies, I am baffled by what I consistently see on my statements and the lack of progress that occurs with my Navient loans. The allocation of principal vs interest to each loan makes no sense. The lack of transparency and progress towards paying down loans with this company makes me fairly certain that fraud is occurring with this company. I have years of records and am happy to provide whatever is necessary to properly investigate this company and situation.
Product: Credit card

They have called me thirteen times in a matter of four days in order to collect a debt that they show in their system as paid off. I paid the card yesterday and am still receiving calls about it. As I understand they're only allowed to call seven times in seven days, they keep calling and refuse to leave messages.
Product: Debt collection

I am writing to file a formal complaint against the XXXX major credit bureaus [ XXXX, XXXX, XXXX ] for failing to properly investigate and address inaccurate information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ).

I disputed multiple third-party debt collector accounts on my credit report, as these accounts were purchased by debt collectors, and the current status, balance, and payment details are incorrect. Specifically, my credit report fails to reflect the amount paid by the debt collector, which results in incomplete and misleading information. Despite these inaccuracies, all three credit bureaus have responded by simply marking these entries as " verified '' without providing any proof or evidence of a proper investigation into my dispute.

The information listed on my credit report regarding these collection accounts is inaccurate and misleading, which constitutes a clear violation of the FCRA. I have not received any substantiated documentation supporting the verification of these accounts. As a result, I am requesting that these inaccurate entries be removed immediately.

I respectfully ask that the CFPB look into this matter and help ensure my rights under the FCRA are upheld. 

Thank you for your time and assistance.