23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I received the Q2 Property Tax bill from XXXX, VA in early XXXX. It was due at the end of XX/XX/XXXX but as the invoice sent to me indicated, Freedom Mortgage denied payment. Given that we escrow funds for this purpose, I reached out to Freedom Mortgage to understand why they declined to pay the property tax bill and then to ensure they did pay it. XXXX (? ) in the Tax Department stated they would open an investigation into the situation and asked if they could text me updates. I said, yes. After several weeks of no updates, I emailed and included copies of the invoice they declined and I kept being told that they would open an investigation. In that time I received another notice from XXXX XXXX that my tax was significantly past due, a penalty fee was added and payment was due asap. At that point I paid the tax bill out of my own pocket. I continued to email and now included the receipt of my payment for the taxes and still got the same reply, we will open an investigation. On XX/XX/XXXX, I called and spoke with XXXX in Freedom Mortgage 's Tax Dept. XXXX confirmed that Freedom neglected to pay the Q2 tax bill ( no explanation as to why ) and then stated they would issue me a refund check from my escrow. To do so, she needed to transfer me to their Customer Service department as they initiate the refund checks. I spoke with XXXX ( ID # XXXX ) and she said XXXX explained the situation to her and then she took the info to initiate the refund process from my escrow. XXXX ended the call by telling me it would take 3-4 days to process the refund. Two weeks later, I still have not received a refund check so I emailed Freedom. Today, they replied and said I was mistaken, no reimburse was being issued.
Product: Credit card

I have contacted my credit card company numerous times since the beginning of XX/XX/XXXX to request copies of my credit card statements from XX/XX/XXXX- XX/XX/XXXX. When I finally received the statements, they were missing all of XXXX, and XXXX XXXX. I have since contacted them so many times I've lost count ; they keep resubmitting the request to send me the statements from XXXX XXXX XXXX but each time they arrive in the mail, the only statements they send me are XXXX & XX/XX/XXXX, which I already have. I have called to complain over and over, spoke to supervisor after supervisor, who all just resubmit the request, and all that ever arrives are XXXX & XX/XX/XXXX. I spoke with Supervisor on XX/XX/XXXX who understood the problem and stated there was likely some type of system error, as the system said they sent me the statements, but clearly they aren't arriving correctly. To resolve the problem, he assured me that someone was manually printing the statements and putting them in an envelope to ensure that they reach me this time. Well of course, I received an envelope again today, XX/XX/XXXX, and once again, only a XX/XX/XXXX statement was in there. This is ridiculous ; this company is required by law to give me my statements upon request ; system issue or not, i'm entitled to my records and they are not providing them to me. The statements are needed for a court proceeding, and this company is costing me money each time i'm told to wait for the statements, only to have a XXXX XXXX statement show up after a two-week waiting period. I have expressed this on several occasions, and no one has taken accountability and resolved my problem. This is ridiculous-just so you're aware, this situation has destroyed a 20 year relationship I've had with your company. I have opened an account elsewhere, will be doing a balance transfer which is in progress, and will be giving my interest payments to your competitor. Given that my credit score is over XXXX, you just raised my interest rate to over 30 % and blamed it on inflation, and i haven't had any late payments and always carry a balance, I sure hope it was worth it. Please, for the love of XXXX, show your CEO this customer journey in your next board meeting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1681 a ( 2 ) ( B ) - Permissable purposes of consumer reports ( a ) In general Subject to subsection ( c ) I never gave you any written consent to report anything on my consumer report and they haven't responded in over 30 days.
Product: Credit reporting or other personal consumer reports

Equifax is allowing the listed companies to report fraudulent information on my consumer report. I am requesting the removal of the disputed accounts and my personal information from my report as they were not properly investigated. I submitted a divorce decree showing that the reported information should not be in my report. I also sent in valid proof of my identity, but the information continues to be verified and validated with these names not being removed. Additionally, my personal information was affected by the Equifax data breach. 

The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These issues align with my complaint against all three credit bureaus and the data breach with Equifax. The bureaus have admitted that they have not removed the listed accounts or personal information. Under Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ), the bureaus had only four days to correct these errors. 
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: Checking or savings account

My dad passed away in XX/XX/2021. I submitted all of the paperworks and his death certification to Bank Of America estate department per their requested, it took them over a year to approved that account is closed. I called and spoke to the reps many times and still don't received funds from my dad 's account. The remaining funds in the account is getting worth less over the time based on inflation and they don't care.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX, I sent a request to have unauthorized and inaccurate late payments removed off from my credit profile. I asked by the provision of the Fair Credit Reporting Act, that these items be investigated and removed from credit report. Under 15 U.S.C. Sec. 1681i ( a ) they must complete this investigation within 30 days of the receipt to my letter. These inaccurate late payments are dated XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX. XXXX, XX/XX/XXXX. These are violations of the Cares Act as well.
Product: Mortgage

My home was in foreclosure because I got behind in payments. However, I was able to come up with the money needed to cure the forecloser in XX/XX/XXXX and I followed all the proper steps with the county. This is when I felt as though we were finally back on track. I resumed making my monthly payments in XXXX, however, the Mortgage company kept returning my payment to them and telling me that my mortgage was still in default. I spent days trying to contact the legal office and the mortgage company trying to find out what was going on. I was told the money I paid ( approximately {$24000.00} ) was never released from the legal company to the mortgage company. I was assured all this would be fixed and once the mortgage company received the payment they would reach to me and tell me my new monthly mortgage amount. In the meantime, I never stopped paying my normal amount, and month after month the mortgage company returned my payment. It is now XX/XX/XXXX and I have received a letter from the same legal office that they are starting the foreclosure process because of a past due amount of around {$10000.00}. I have tried to call the mortgage company and the legal office multiple times and I am never able to get help or get the situation resolved. We have received notice from the lender 's attorney stating they have been authorized to begin foreclosure procedures. I am also being told I owe more penalties and late fees and have to go through the foreclosure process again. At this point I believe is a conscious and discriminatory effort by the mortgage company to make me look like a bad lendee, destroy my credit, steal my home, and essentially suppress me and my family due to either. our previous foreclosure situation, our economic condition, or worse of all, our ethnicity. I desperately need assistance ASAP.
Product: Debt collection

Rausch, XXXX, XXXX, and XXXX XXXX Rausch Sturm LLP ) have attempted to fraudulently collect on a debt collection case ( XXXX ) that was previously dismissed on XX/XX/XXXX ( with a court notice dated XX/XX/XXXX sent out to all parties ) by filing for new motions for default judgements on XX/XX/XXXX. 

The creditor violated the FDCPA by improperly and deceptively attempting to collect on a dismissed case ; and their actions have been misleading, harassing, and often in violation of fair debt collection laws. This could also constitute an abuse of process. Please review these statutes. 1692e - False, Deceptive, or Misleading Representations 1692f - Unfair or Unconscionable Means to Collect a Debt 1692d - Harassment or Abuse 1692c - Communication in Connection with Debt Collection Thank you.
Product: Mortgage

In XX/XX/year>, I had a balance transfer done for a truist credit card balance to be applied to a different company. The other company sent truist a check for the balance. The balance was never cleared out. After multiple letters and emails, and phone calls, I recently did a complaint for a credit card through cfpb. They found out that the payment was applied to my mortgage not my credit card. Well, now that they have taken the payment out of my mortgage and applied it to my credit card a year later, my mortgage and escrow account is all messed up. I have never missed a payment, but truist is saying I have. They have also charged a late fee to the " missing payment ''. 

I'm on the verge of contracting a lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Via certified mail, I have sent two requests, on XX/XX/18 and XX/XX/18, to Transunion requesting proof of validation of various accounts noted on my credit report. The responses I keep receiving are that the items have been updated or verified as accurate without providing me with proof of validation. I have also requested Transunion 's method of verification which went completely ignored. I personally contacted the creditors requesting validation in which I received no documentation to even prove that the accounts belong to me. I need to not only see the paperwork that backs up their opinion that Transunion 's is accurate, but I also need to see a detailed report that goes over the methods and procedures used during the investigation. I need to know how Transunion performed an independent investigation instead of just telling me what the creditor stated. I feel that Transunion not only failed to conduct a proper investigation, but also failed to provide their method of verification as well. 

The following accounts are the accounts in question found on credit report # XXXX issued on XX/XX/18 : XXXX XXXX XXXX XXXX   XXXX  XXXX XXXX ( X3 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( X4 ) XXXX XXXX XXXX XXXX/XXXX   XXXX/XXXX XXXX/XXXX  XXXX XXXX/XXXX XXXX   XXXX/XXXX  XXXX/XXXX XXXX/XXXX  XXXX XXXX/XXXX  ( X2 ) XXXX XXXX/XXXX XXXXt XXXX XXXX XXXX
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. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Checking or savings account

Payments are coming out of my check weekly for contributions to my XXXX, but the funds aren't being disbursed weekly as they should be. I receive weekly payments on XXXX, and I'm supposed to see the disbursement the following XXXX. The most recent payment was on XXXX, XX/XX/XXXX. I'm unclear about the issue. Additionally, I have a payment from XXXX XXXX that was just deducted, but it's not showing in my balance.
Product: Debt collection

Capitial alliance financial llc is owned by XXXX XXXX. Capital alliance financial buys debt, and is a debt collection company. Capital alliance financial is merely a shell company for XXXX XXXX law firm XXXX and XXXX. No response when you attempt to reach capital alliance financial only XXXX and XXXX. XXXX and XXXX turned for a civil judgement against me under the false pretenses they are acting on behalf of their client. XXXX and XXXX has a conflict of interest and should n't be allowed to deceive consumer 's that they are a law firm acting in behalf of their client. They are merely acting on behalf of themselves. Representative stated they were an attorney and when asked if capital alliance was connected to XXXX and XXXX denied any knowledge.
Product: Debt collection

Southwest credit systems opened a debt collection on may first XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX and XXXX XXXX dollars.. I have never enter any agreement so services or anything else with this company. 
This is falsely reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that are inaccurate and do not adhere to the laws and regulations set forth by the FCRA, FDCPA, FACTACT, TILA, RESPA, ECOA, and FCBA. 

Specifically, I would like to dispute the following accounts : 1. XXXX XXXXXXXX Bankruptcy XXXX 2. XXXX  XXXX Bankruptcy XXXX 3. Bankruptcy XXXX XXXX XXXX 4. Bankruptcy XXXX XXXX XXXX 5. Bankruptcy : Dismissed XXXX XXXX 6. Bankruptcy : Dismissed XXXX XXXX 7. XXXXXXXX XXXX XXXX  late payment account 8. XXXXXXXX XXXX XXXXXXXX charge off account 9. XXXX XXXXXXXX charge off account 10. XXXX XXXX XXXX XXXX XXXX charge off account 11. XXXX XXXX XXXX XXXX charge off account The above accounts contain several violations of the laws and regulations mentioned earlier. I would like to request that you investigate the following items for possible errors and inaccuracies : The bankruptcy accounts have been incorrectly reported as XXXX XXXXXXXX instead of XXXX XXXX, which is a violation of the FCRA. 
The bankruptcy accounts have also been reported as dismissed, which is inaccurate as they were successfully discharged. This is a violation of the FCRA. 
The late payment account for XXXXXXXX XXXX XXXX is inaccurate and should be removed from my credit report. 
The charge-off accounts for XXXXXXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX XXXX contain errors and should be investigated for inaccuracies. These items may be a violation of the FCRA, FDCPA, TILA, and/or RESPA. 
I am requesting that these items be removed from my credit report or corrected to reflect the accurate information. Please provide me with written documentation of your investigation and any actions taken to resolve these disputes. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

My wife and I took out a loan with Tower Loan and have been having issues with the repayment process. Throughout this time, the manager at the local Tower Loan office has been leaving multiple voicemails on my wife 's phone that are not in keeping with privacy laws. The voicemails provide personally identifiable financial information about my wife. I have requested that this stop, but it has not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any item or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX XXXX & I am including it again., 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 XXXXXXXX Balance : {$770.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$170.00} XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX : {$84.00} XXXX  XXXX Balance : {$84.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX A ) XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} XXXX  XXXX Balance : {$770.00} XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Company closed my account on XX/XX/2018 by phone. I then received a letter that it has been closed and was mailed a check for XXXX. Please tell them to stop contacting me and close my account as they said they did. I want to ensure they close it and stop bullying me or I will seek civil action.
Product: Student loan

It started my freshmen year ( XX/XX/XXXX ) when I first applied for loans. I was told everything I would pay everything after I graduated school. But I was miss guided and didnt select the correct box. So I was forced to pay loans through out college. I questioned it after I was told to pay, and they said there is nothing they can do and it was to late to change the terms of the loan. So there were periods throughout my college career where I choose life before loans. 

Fast forward to XX/XX/XXXX/XX/XX/XXXX- I was rushed into forbearance. I was under the impression that all my loans would go into forebarance with Naviet. Giving me a longer grace period of time after graduation as well. That was not true. I was under the impression all my loans were going to be reconsolidated but they werent, only my federal loans were. I feel it was a ploy to get all of my students loans paid back with Navient. Navient also bought all my loans from Sallie Mae during my college career. Another ploy for me to give navient my money? 

Fast forward to later in XX/XX/XXXX. I was in a bad transition period of not having enough money to pay for my loans and I was fighting to live. I was often times caught between choosing to pay my loans or living ( food, rent, etc. ). My credit was destroyed for about 4 months trying to get caught up. And I was met with nothing but harassing phone calls to pay my bill. They called my co-signer and harassed them as well. I was making some payments that I could but was not good enough. I used my tax return to get caught up. But the damage was done to my credit. I lost about 100 points. This happened roughly XX/XX/XXXX/XX/XX/XXXX and lasted until roughly XX/XX/XXXX/XX/XX/XXXX when I used my tax return to get caught up on loans.
Product: Student loan

I have been trying to pay off my student loans since leaving college in 2010. At the beginning of the repayment period, my loans hovered at approx. $ XXXX due. I have paid my student loans ( never late beyond 30 days ) despite job losses and today my payment has increased to $ XXXX with no end in sight. I 've tried income driven repayment plans with no help. Unless I double my payments, I will see no progress in paying down. Not to mention that my loans ( which are supposed to be consolidated ) have varied interest rates attached to each loan. The rates range from 2.10 to 6.8 %. The website used to pay my loans is no help with trying to determine how to properly allocate my payments and the customer service number ( when it 's working ) leads to no help. I do n't understand why a consolidated student loan comes with varied interest rates. I would like someone to review my file and help me determine the best way to accomplish repayment. As it stands I will being paying these loans for 20 years when the rest will supposedly be forgiven.
Product: Credit card or prepaid card

I have 2 current credit cards with Genesis FS card services. I received a pre-qualification notice for a new card with them ( Indigo Mastercard ). I followed the necessary application process. Once I was finished I received an email stating that I needed to submit additional documentation, i.e. a photo ID and SS card. I did so and also included my current bank statement so that they could see my current address. I did acknowledge that my ID had my old address so that bank statement could serve as proof of current address. I faxed this documentation twice. I then reached out to see where my app was and was told that my fax was not readable. I then mailed the docs ( 2 day priority with tracking ), and upon following up was told that the ID address not matching my application address would not work, and my bank statement showing current address was not sufficient. I then emailed XXXX FS and a lady name XXXX reached out. I explained that I had updated my ID to show the correct address to match the application. She researched and confirmed that if I mailed a copy of my new temp ID with the correct address then my application could be completed. I overnighted the copy of the ID, and gave XXXX the tracking number showing they had received it. That was received in early XXXX, nearly a month into this process. Since then they can not locate my copy of ID that I overnighted and delivery was confirmed on. Therefore they have not completed my application. XXXX has no answers and she has acknowledged they have no idea why they can not locate the mailed copy of my ID, and where my personal info is being stored after they received it.