23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My account number with Freedom Mortgage is XXXX Freedom mortgage 's website is very glitchy and does not properly take in payment information. I've had several incidents were I've had to resubmit the mortgage payment which made it difficult. 

In the month of XX/XX/2018, the account number did not copy and paste over correctly ( it was missing 1 digit ) - to my knowledge I copied the full account number, due to this Freedom Mortgage charged me a late fee which now totals {$100.00} They do not notify anyone via e-mail if a payment does not go through, even though they send notifications for other purposes via email. They state they send a letter which doesn't come until 20 days after you make a payment which in turn allows them to enforce the late fee. They also do not allow you to setup recurring drafts until you 1 month ahead of the payment schedule, which means you must pay a full month 's mortgage in advanced. 

These practices that Freedom Mortgage participates in are deceitful and unethical, they should be reviewed and fined by CFPB. I want my {$100.00} refunded back to me as well.
Product: Consumer Loan

I applied for and received a installment loan amount from Big Picture Loans on XXXX in the amount of XXXX dollars. I can no longer afford the interest only payments. I found out the payments set up on my bank account are for interest only and do not at all go towards my loan principle. I have contacted my bank and put a stop payment service setup on my account so I do not have my pay check funds taken away for me. This is a monthly payment I can no longer afford and I see now they say I owe XXXX dollars. It seems every time I look at my balance w fees and interest it keeps rising. I did not realize when I took out the loan that the monthly payments would be only interest and not also applied toward the principle amount of the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 
Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please delete the account, or inaccurate information, from my file immediately & send me the results to the XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX, to remove the items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., This Complaint is to notify you to BLOCK OR REMOVE these accounts from my credit file resulting from alleged identity theft. 
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 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 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 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, this creditor has violated my rights. Under 15 USC 1681 Sec. 602 states, I have the right to privacy! Under 15 USC 1681 Sec 604 ( a ) Sec. 2, it also states consumer reporting agencies can not furnish an account without my written consent or instruction. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

Please be mindful that i have already filed an Identity Theft Report with the FTC as well which surprises me that you guys ( XXXX, XXXX, TransUnion ) haven't acted upon this yet.
Product: Mortgage

I contacted BOA to inquire about an escrow reimbursement check on XXXX/XXXX/15. The automated system indicated XXXX would be mailed out on XXXX/XXXX/15 however the associate informed me that XXXX was the amount sent on XXXX/XXXX/15. I asked what happen to the XXXX and was told it was " mailed out to the investor ( XXXX ) to pay for your PMI. '' XXXX said they had nothing to do with PMI. I called BOA back, shared what I was told by XXXX and the story changed. This time I was told the PMI was sent to HUD. I contacted HUD ; they had no record of me. I called BOA back and the story changed a XXXX time. I was told AGAIN the PMI had been sent to XXXX. After refuting this, I was told my PMI carrier was XXXX XXXX. I learned from XXXX that the account was cancelled on XXXX/XXXX/15 and the last payment received on XXXX/XXXX/15. Moreover I was told if additional funds were received from BOA they would be returned to them. I called BOA back and the story changed a XXXX time. This time the associate said the XXXX was sitting in my escrow account. I asked how this could be when I no longer have a mortgage. I asked if I could have the money refunded and was told " no. '' I asked why and the story changed AGAIN. This time I was told the XXXX would be used to cover admin fees for paying off my mortgage. 
I ca n't begin to imagine how many other customers have been subjected to this type of fraud. In fact I said this to a BOA manager named XXXX yesterday and his response was " unfortunately you 're absolutely right. ''
Product: Credit reporting

Checking my credit score online realized an address in XXXX Ga is on my credit report never lived in XXXX, GA. I have never lived in XXXX Georgia on XXXX XXXX or whatever that street was ... ....
Product: Credit reporting or other personal consumer reports

The Credit Bureaus have failed to fully verify the negative accounts they entered on my credit report. Additionally, their communication among each other has been inaccurate, leading to records that show incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize these accounts. I have contacted the creditors but they have failed to provide me with necessary documents that will prove these accounts are mine.
Product: Credit card or prepaid card

Bank of America refused to proved the benefits that they offer and advertise. Particularly the Honors program for credit cards described in the attached page from the banks website. 

I have called the bank and spoken with five people. One said the program exists another said it does it exist but I would have to speak to a different department. Then I get transferred back to the department I started at, and they can't help me. I have been getting the runaround. All of the reps have been polite but untrained, they are unfamiliar with their own programs and completely unable to help. So I am reaching out to cfpb for help.
Product: Credit reporting or other personal consumer reports

I am putting credit reporting agencies on notice that I have opted out with these financial institutions to stop sharing my non public personal information and these are my CFPB complaints CFPB - XXXX - XXXXXXXX XXXX XXXX XXXX  CFPB - XXXX - XXXXXXXX XXXX XXXX XXXX  CFPB - XXXX - XXXXXXXX XXXX XXXX XXXX  CFPB - XXXX - XXXX XXXX CFPB - XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a letter from XXXX stating that XXXX was fraudulently opened on XX/XX/XXXX in my name despite having " fraud alerts '' placed with the credit reporting agencies back during COVID-19 XXXX when fraudulent accounts were opened then. I have freeze alerts and fraud alerts in place so I am not sure how this account was able to be inquired and opened. I contacted XXXX on Sunday XX/XX/XXXX and spoke with a representative that informed me he was aware the fraud occured and that they contacted the credit reporting agencies to remove the " hard inquiry '' and " tradeline '' however they are still reporting within my credit files. I do not live, or ever have lived at XXXX XXXX XXXX XXXX XXXX NJ XXXX and I believe this is the address used to complete the fraudulent application.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE TRIED THRU ALL THREE CREDIT AGENCIES. I HAVE ASKED THEM TO VERIFY PAYMENT STATUS ON THE LOAN. XXXX HAS FAILED TO VERIFY CORRECTLY OR AT ALL. TRANS UNION AS WELL AND XXXX.XXXX  XXXX XXXX SENT ME A CERTIFIED LETTER TO SHOW PAYMENT STATUS. ALL PAYMENTS WERE PAYMENTS WERE MADE BY THE DUE DATE OF THE 28TH OF THE MONTH OR A FEA DAYS PAST.. THEIR OWN PAPER WORK SHOWS THE DISPUTED DATES ARENT 30DAYS AN THEY ARE REPORTING IT AS SUCH. THEY ARE IN VIOLATION OF THE FCRA AND HAVE BEEN. THEY ARE HARD TO DEAL WITH, THEY HAVE DENIED PAYMENTS TO THE ACCOUNT BECAUSE IT WAS LATE, AND TO GO IN PERSON TO A BRANCH TO GET IT FIXED OR CALL MANY TIMES. THIS COMPANY HAS BLOCKED ME FROM MAKING PAYMENTS, AND JUST TELLS ME THAT CAN REFUSE ANY PAYMENT THEY WISH. THE CAR HAS NEVER NEVER BEEN IN REPO STATUS FOR THIS NOR WAS IT TAKEN. THEY ARE RUDE AND VERY HATEFUL TO DEAL WITH. A XXXX COMPLAINT WAS FILED AS WELL. XXXX  AND TRANS UNION AND XXXX ALL HAVE REPORTED IN ACCURATE PAYMENT STATUS AND REFUSE TO GET PROOF.PROOF IS NOT A REP SITTING A COMPUTER AND SAYING YES OR NO.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX late payments XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I was never late on the account listed above, please show me documentation showing proof of transaction showing that I was ever late to support your inaccurate reporting on my account. If you can not supply this documentation, please delete this alleged late payment ( s ) from my credit report. This institution is furnishing invalid late payments and is preventing me from being extended my credit. This has violated my rights 15 U.S.C 1681 section 602 A states I have the rights to privacy 15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without written instruction 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason. The FCRA allows 30 days for this to be rectified. After the late payments are rectified and corrected to reflect payments made on time, please provide me with a free updated copy of my report.
Product: Student loan

EdFinncial complaint On XX/XX/2023, I attempted to make a {$100.00} payment towards interest on one of my two EdFinancial student loans. In the Auto Allocate page, I marked that I wanted {$100.00} to be applied to Loan XXXX XXXX XXXX ( XXXX ). 

On the next screen ( XXXX ), EdFinancial changed the amount to {$53.00} from {$100.00}. There was no way to go back and XXXX ) change the amount to what was entered, and XXXX ) to change the amount to what was entered. 

EdFinancials third payment preview screen ( XXXX ) also showed the EdFinancial changed payment amount of {$53.00} instead of the {$100.00}. 

In attempting the payment of {$100.00} again to be applied to my loan XXXX XXXX XXXX, I was able to specify {$100.00} to be applied to that exact loan ( XXXX ). 

However, EdFinancial changed the payment split between the loans. Now, EdFinancial was keeping the payment of {$100.00} but forced the split between two loans ( XXXX ). XXXX XXXX XXXXXXXX XXXX does not have any interest owed. 

EdFinancial did take the second payment as {$100.00}, instead of {$53.00} from the first payment ( XXXX ). EdFinancial failed in having an account holder be able to pay specific amounts to specific loans in the amount specified by the account holder ( XXXX ).
Product: Credit reporting or other personal consumer reports

They are now trying to charge me to access my credit report along with a lot of other services. 

I am signed up for XXXX XXXX  through experiam by XXXX who lost my info in a data breach and have the services plus more that they are trying to charge me for. 

On top of charging for access to my credit file while I am using their services to attempt recovery from XXXX XXXX, they are also now charging me if I want to keep the freeze and XXXX alert on my file. They also along with deciding they are charging g me, have just tried charging a card they have on file which doesn't exist any more due to XXXX XXXX but I imagine they are reporting it to themselves. 

I've requested information that relates to probably a thousand things but in specific their decision to deny their own employees dispute on my behalf after she spent XXXX weeks on conference calls with me, they have provided nothing. 

Their app is down, and has been for XXXX weeks, so I can't even get into the app and unsigned up for their new expensive basic services. I've emailed them several times, no response l. When I call them I just get a robot who constantly asks if I want to remove the credit freeze, press XXXX if yes. Almost like they are hoping I XXXX up and press XXXX. 

I've attached a screenshot of their app telling me that it's my fault it doesn't work because my internet must be out. Like everything else that goes wrong there, it is my fault, I had to have done something very basic and easy completely wrong, XXXX being on the internet in this case because they couldn't possibly have screwed up, but if they XXXX they'll get back to me whenever. I can assure you, if my internet was down I wouldn't be sending this and I definitely wouldn't be trying to open the experian app,
Product: Mortgage

This complaint applies to the following companies : Newrez LLC XXXX # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX XXXX and XXXX  XXXX XXXX, XXXX XXXX XXXX, California, XXXX ( XXXX ) XXXX I am a customer of Newrez and they incorrectly added an escrow account to my mortgage and they applied an escrow fee to my mortgage payment. I called XXXX times to try to resolve the issue and they would not discuss the issue they kept saying that they received a delinquency notice from the XXXX XXXX XXXX Collector. 

When I asked about it they confirmed none of them actually saw anything from XXXX XXXX it was an internal document. I contacted XXXX XXXX the XXXX XXXX Collector who confirmed that she did not send any notifications to Newrez and that XXXX was a service company that monitors the tax status of their mortgage the taxes are paid. XXXX confirmed that she received a check from XXXX but rejected it because I had already paid the bill and there were no taxes due. 

I made numerous attempts to resolve this with Newrez but they would not listen and kept saying the property was delinquent when it was not. They kept saying they got delinquent notice from XXXX XXXX which they did not. I have attached copies of the tax bill and proof of payment showing the account was never delinquent or past due and never has been in the XXXX years that I have lived here. 

The Tax bill is due XXXX but they offer a discount if it is paid early by XXXX, XXXX labeled any account not paid by XXXX in default triggering the creation of Escrow accounts. 

I emailed the attached proof to them on XX/XX/year> and I received a confirming letter XX/XX/year> that the Escrow was cancelled and they still drafted the incorrect amount from my bank. 

I have attached the following : Tax Bill Proof of Payment email from XXXX Collector Rejected XXXX XXXX payment Letter from Newrez cancelling the Escrow account
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Debt collection

I have freeze my credit file I notice that XXXX and XXXX adding collection not belong to me. I have send a few dispute letters and police report on identity theft to the three credit bureau. My credit been freeze for 6 months how the bureau keeping adding account that not belong to me. I feel like my life been outside down some one have my information this cause my family hurt. The collection is Jefferson Capital SYST. amount is {$520.00}. The date is was add XX/XX/year> and the other collection XXXX XXXX  amount is XXXX never own. This was add XX/XX/year>
Product: Mortgage

We took out a HELOC XXXX years ago. We thought it was going to be paid off in 2016 and when we ask them how much was left we found it that it was going to balloon for the full amount {$93000.00}. We do not have that amount, so we ask them ( Green Tree Servicing LLC ) if they could help and their answer was, We service your loan on behalf of an investor or group of investors at ( XXXX XXXX XXXX XXXX XXXX owner of mortgage account ) that has not given us the contractual authority to modify your loan under HAMP. 
We have never missed any payments for the XXXX loan or XXXX loan. They will only work toward us loosing our home. ( 1 ) short Sale ( 2 ) Deed-in-Lieu of Foreclosure ( 3 ) ForbearanceWe contacted XXXX different Lawyers and they all said to walk away because the banks would n't work with us. ( We love our home and we are in our XXXX )
Product: Credit reporting or other personal consumer reports

I OBTAINED ANOTHER COPY OF MY CREDIT REPORT AFTER BEING ADVISED MY INFO HAS BEEN INVOLVED IN A DATA BREACH, I NOTICED MORE ACCOUNTS THAT I HAVE NO KNOWLEDGE OF HAS BEEN ADDED TO MY ACCOUNT. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND CERTIFIED MAIL. I REQUESTED THAT THE ACCOUNT BE VERIFIED, AND THIS ACCOUNT IS UNVERIFIABLE BUT STILL BEING REPORTED TO MY CONSUMER PROFILE.

I HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681.

FURTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2.

REPORTING FRAUDULENT ACCOUNTS IS SEVERELY IMPACTING MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 EB DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit reporting or other personal consumer reports

XXXX HAS FAILED TO RESPOND TO MY DISPUTE SENT VIA CERTIFIED MAIL ON XX/XX/2024. RECEIVED ON XX/XX/2024. 

12 CFR PART 1022.43 STATES THAT FURNISHERS OF INFORMATION UPON NOTICE OF DISPUTE MUST CONDUCT A THOROUGH AND TIMELY INVESTIGATION. 30 DAYS.

15 USC 1681S-2B ( b ) Duties of furnishers of information upon notice of dispute ( 1 ) In general After receiving notice pursuant to section 1681i ( a ) ( 2 ) of this title of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall- ( A ) conduct an investigation with respect to the disputed information ; ( B ) review all relevant information provided by the consumer reporting agency pursuant to section 1681i ( a ) ( 2 ) of this title ; ( C ) report the results of the investigation to the consumer reporting agency ; and ( D ) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis. 

( 2 ) Deadline A person shall complete all investigations, reviews, and reports required under paragraph ( 1 ) regarding information provided by the person to a consumer reporting agency, before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which the consumer reporting agency is required to complete actions required by that section regarding that information.

15 USC 1681i STATES : a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

IT HAS EXCEEDED THE 30 DAY TIME LIMIT PLACED ON FURNISHERS OF INFORMATION. 

I CALLED XXXX ON SEVERAL OCCASIONS TO ADDRESS THE MATTER AT HAND : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
EACH TIME I WAS ASSURED THAT THE DISPUTE WOULD BE HANDLED ACCORDINGLY AND IT WAS STILL PENDING. 

XXXX HAS FAILED TO SEND ME CERTAIN DISCLOSURES REQUIRED BY LAW. 
XXXX HAS VIOLATED MY PRIVACY. 
12 CFR PART 1016 STATES THE DISCLOSURES THAT MUST BE GIVEN INCLUDING OPTING OUT. 
I NEVER GAVE XXXX WRITTEN PERMISSION TO SHARE MY NON PUBLIC INFORMATION WITH ANY THIRD PARTIES.