23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I had problems paying my mortgage, I applied for modification and sent all fay servicing asked for. I called several times to find the status, the account manager kept saying that she will call me to tell me she had an update. I received a letter on XXXX XXXX that I was not approved. That letter was sent out on XXXX XXXX 2016. When I called My account manager said that she did not received anything yet, she checked and she saw the letter and confirm that i was not approved for modification, because I did not make enough money to maintain my house. She told me to sell it and get another cheap house. I said that I was going to rent one of my room to get more income. She asked me for a contract and proof of the money my new tenant gave me. I sent all she asked for on XXXX XXXX. The foreclosure was schedule for XXXX XXXX, 2016. I asked her several times if the foreclosure will be on hold, she stated it will. I email to her and her manager to make sure that they received the documents I sent and they never replied. so, I had a feeling that she was not telling me the thru. so, I borrowed money from a friend so I had {$7700.00} on my account ready to pay on Friday XXXX XXXX. When I call my account manager she said not to worry that the foreclosure will be on hold. I said that I want to make a payment, she insisted that everything was fine. on XXXX XXXX she called me after XXXX and said that I was not going to be approved with the appeal because we did not have enough time and that I needed to pay {$7700.00}. I had to leave my job and ran to the bank and make that payment. I believe that Fay Servicing are very unprofessional and that they want me to have my home foreclosure. After I made my payment I sent an email to proof that I made the payment. Finally I received an email from the manager saying thank you for the payment. I was told by my account manager that they were not aloud to replied the emails, but I made the payment and they replied to my email. This company is a reap off, they DO NOT help their customers. I am very unhappy with them, and I am going to do anything to have my mortgage with another company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Had credit report ran to obtain mortgage loan   XXXX   2017, was told I need to get dispute remarks removed. Immediately called all  XXXX  bureaus Experian,  XXXX , and  XXXX . Was told by each company that they would be removed. Waited 30 days and still showing on credit report. Called all  XXXX  bureaus a second time in   XXXX   2017 and waited another 30 days still dispute remarks are there. Called a 3rd time   XXXX    2017 and dispute remarks are still there. Even called creditors and no luck after being told they were removed.
Product: Debt collection

1. Portfolio Recovery Assoicate : Said acct XXXX was opened XXXX XXXX. They are trying to collect {$1800.00} dollars and it has been past due as of XX/XX/year>. 
They have another acct XXXX was opened XX/XX/year>. They are trying to collect {$3100.00} dollars and it has been past due as of XX/XX/year>. 

XXXX. XXXX XXXX XXXX : said acct XXXX has been past due as of XX/XX/year> in the amount of {$580.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX XXXX and credit card, has violated my rights.

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USB 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX, and TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and XXXX XXXX XXXX immediately : XXXX XXXX Balance {$0.00} ; XXXX XXXXXXXX XXXX {$1000.00} ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$570.00} XXXX XXXX XXXX XXXX XXXX Balance {$1100.00} ; XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX IN Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Student loan

I do n't have any loans with Navient and they keep sending letters and are putting negative information on my credit report. I have never signed anything or agreed to anything with Navient and every time I dispute them on my report or through a credit repair agency they keep saying my debt is accurate. I do n't have anything to do with them though. They have no paperwork or anything with my name or signature on it. Not sure why they wo n't leave me alone and now they are sending letters that I do n't want or need. These people are relentless and not in a good way.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I disputed with the CFPB the XXXX XXXX XXXX account that was reflected on my credit report. XXXX XXXX XXXX at that time responded by informing me that they had instructed the credit reporting agency to delete the account. To date, XXXX  has not not deleted this entry. This was over 15 months ago. See attached credit report that reflects this account that should not be listed on my credit report. XXXX must DELETE this entry immediately and provide me a copy of an updated credit report that reflects such deletion. 

Further, in XXXX XXXX XXXX response on XXXX, they stated ( see attached ) that I would not hear nothing further from them in regard to this matter. See attached letter they sent me dated XX/XX/XXXX. I am considering this harassment and they owe me remuneration for violating my rights as well as explicitly stating they would not contact me again but yet they did. Both XXXX  and XXXX XXXX XXXX are blatantly violating my consumer rights and should be held accountable. This erroneous, inaccurate entry that is still reflecting on my credit report has intentionally affected and impacted my credit worthiness and both companies need to pay.
Product: Vehicle loan or lease

Once again Kia Finance of America is at fault for messing up my account for the second time. I refinanced my loan with another company to get away from this terrible company. On XX/XX/2022, I called to check on the status of my overpayment check in the amount of {$1000.00}. The representative told me the check was NOT sent to my address, instead it was sent to Colorado! I DO NOT live in Colorado, I LIVE in Ohio! They have to complete a stop payment on the check to reissue it to me to my correct address. Due to this error, I am in a financial hardship!!! This company keep making errors on my account and not taking the fault for it which is effecting me! Please expedite my check!! Ive been waiting since XX/XX/2022 for this check!
Product: Credit reporting

XXXX XXXX XXXX account was received, paid & satisfied on XXXX/XXXX/16. I will mail documentation. I need this account removed from my credit report or at least to state : CLOSED. 
Thank you. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2019 I DISCOVER UNAUTHORIZED INQURIES ON MY REPORT.SOMEONE TRIED TO OPEN UP ACCOUNTS IN MY NAME.
Product: Debt collection

Two years after seeing the doctor I received a letter from a collection agency about an unpaid bill. I provided in writing a copy of my banking transaction and asked them to stop. They never replied and began harassing me by phone three times daily. In order to keep the debt active they also created other fake accounts with the same exact amount as the original bill. Please help stop this abusive behavior, I have no one else to turn to.
Product: Mortgage

The CFPB needs to take action on this illegal activity that Citi Mortgage did and continues to do to consumers. Attached you will find the original DOT that was recorded in XXXX XXXX Public Records in XXXX XXXX, XXXX. You will see that the original Lender is XXXX XXXX XXXX. Also attached is a DOT dated XXXX XXXX, XXXX. This DOT purported to transfer this mortgage to Citi Mortgage. Here in lies the problem. XXXX XXXX XXXX went bankrupt in XXXX. Although XXXX is purported to be a nominee for XXXX XXXX, this is far from the truth. There is current law which clearly stated that XXXX can not be a Nominee for a defunct organization. This is highly illegal and I will continue to fight this with an attorney until something is done about it. Attached is also the XXXX XXXX XXXX Dissolution which clearly shows that they were dissolved in XXXX. This is the biggest kicker of all. XXXX XXXX XXXX was never licensed to conduct business in the state of Maryland, which voids any mortgage contracts that they initiated in the State of Maryland. It is evident that these actions are highly illegal and the CFPB needs to take some action regarding this.
Product: Money transfer, virtual currency, or money service

I was scammed by a company claiming to be XXXX, they scammed me out of {$8200.00} on XX/XX/XXXX. When I realized immediately that it was fraudulent I called Wells Fargo and disputed the claim the same day XX/XX/XXXX. The transaction was PENDING in my account for 3-4 days and Wells Fargo went ahead and completed the transaction, even after I disputed the amount right away. I also called XXXX XXXX also, that was involved in transferring the money out of my account, and told them it was a scam and not to transfer the funds. I also filed a FRAUD report with the Sheriffs office. I also had an attorney send them a certified letter to send me their policies on NON fraud and they did nothing. 
I am a senior citizen and was scammed. Please investigate this for me as that is a large amount of money that should not have been authorized to complete from Wells Fargo or XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I hope youre doing well. Im writing because Ive found an entry on my credit report that is both inaccurate and misleading. The account in question is currently in pending litigation, and Ive noticed that its still being reported as active on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX  and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Product: Mortgage

I have attached my bank statement showing that along with my monthly payment of {$2600.00} an additional principal payment of {$25000.00} for a total payment of {$27000.00} was made to XXXX Home Loans. This amount was taken out of my account on XXXX. On the XXXX XXXX XXXX monthly mortgage statement and the transfer letter Shellpoint, the Outstanding balance is listed at {$270000.00} reflecting the {$25000.00} additional principal payment. The current balance listed on Shellpoint is {$290000.00}. XXXX Home Loans without my permission did a " Misapplication Reversal '' of $ XXXX on XXXX XX/XX/2024. I found out of this reversal while setting up my new loan payment to the transfer company. I did not give permission to XXXX Home Loans to reverse the {$25000.00}. As of XXXX XX/XX/2024, I am missing {$25000.00} ( see attached bank document ). Please investigate this fraudulent transaction as there is a missing {$25000.00} that is neither in my bank account nor applied to my loan. Per XXXX Home Loan representative, Shellpoint is responsible moving forward as the new loan provider. 
1. Does XXXX Home Loans make more money in selling a higher loan debt? Shellpoint is a debt collector.
Product: Mortgage

Shellpoint purchased my loan in XXXX of this year. I received my first statement that had an amount due as of the first on XXXX. I made that payment online, via their payment portal. The amount populated matched the statement amount and that amount was deducted from my bank account. After months of the company accusing me of missing payment, they have now said I have made a partial payment and have yet to apply my original payment to my account, which is resulting in a 30 day delinquency as well as interest accruing. Apparently the amount drafted on my statement changed AFTER I paid my bill. I have had many phone calls with no resolution.
Product: Checking or savings account

THEY CORRECTED THE PROBLEM. 
I BELIEVE THIS WAS NOT AN HONEST MISTAKE. 
REFERRING TO XXXX - XXXX,. 
THE AMOUNT WAS PLACED INTO MY CHECKING ACCOUNT. 
EVERYTHING I WROTE IN XXXX - XXXX IS FACT. 
I NEED NOT BE SPECIFIC AS TO WHY I BELIEVE THIS WAS NOT AN HONEST MISTAKE..
Product: Credit reporting or other personal consumer reports

Follow up disputes that in process. Exsperian service rep advised me to send. Police report which is consider additional information to remove items shown on credit report. XXXX accounts fingerhutwebbank freshen bank who l have already sent copies police reports identity theif name was exspose across XXXX XXXX addition ld attached with copy bill recent bill social security
Product: Credit card or prepaid card

Discover has unexpectedly required a form 4506-T under threat of account closure. This is not an industry standard - I've had credit cards for more than 20 years - and I refused to disclose such sensitive information. 

I believe this is intimidation driven by an under-pressure underwriting department who is extending their reach beyond reasonable industry norms.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with Conn 's appliance on which I am financing several appliances. I have ALWAYS paid this account timely with no issues. 

In XX/XX/2018 I had a vehicle accident and was unable to pay the account. I called and spoke with several representatives and on one call specifically I established a payment arrangement to defer the XX/XX/XXXX payment and bring my account current in XX/XX/XXXX. A new payment date was established. 

I paid the account current on the agreed upon date. 

According to the Fair Credit Reporting Act and additional advisory opinions issued by the Federal Trade Commission that states when a new promise to pay date is set and agreed upon by both parties that date is used to determine timeliness of the consumer 's payment. 

Seeing as how I kept to the arrangement of the promise to pay and paid on or by that date this late payment reporting on my report is invalid, inaccurate and thus unverifiable. 

This item is to be removed from my credit report as stated in the Fair Credit Reporting Act ; continuing to report this information is blatant violation of my rights as a consumer as they are granted to me.
Product: Mortgage

I XXXX XXXX applied for a modification package a year and a half ago and PHH mortgage services is tell me I no longer qualify for modification because they found a title issue. I talked to several ppl from over seas and couldn't find out what was the issue was until 3 days before XXXX. I went to the state department several times trying to figure out whats was going on. I finally found out from one of PHh representatives that USDA had a hold on that was never turned in to XXXX county but there was no liens or 2nd mortgage on the property. PHh sent me a package and asked me to reapply which I did and now the are threading to foreclose on my property or pay PHh XXXX dollars when the set my payments at the trial for XXXX dollars and every time I called PHH the would tell me they are merging and just continue making payments. I never heard from my case manager XXXX XXXX until last Friday and he stated that he has over 100 cases and he cant talk to everybody and his phone line is not working. PHH is a fraud and they are trying to take a lot of people homes. Please go on PHH reviews and you will see the are a fraud. 
XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite has sufficient funds when transactions were authorized, I was charges due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation of my account transactions.
Product: Credit card or prepaid card

I have account with Synchrony XXXX though a HVAC unit that I purchased, the company set this account up after the unit was installed on my house. I have tried to reason with this company but when one try 's to solve the problem with a representative of the company it never is solved. I just received XX/XX/XXXX statement and their was another late fee charge only because I sent them a payment of {$150.00} my monthly payment amount minis the late fee, well they added another late fee to the {$150.00} + XXXX =XXXX +XXXX =XXXX. If this keeps up I will owe more in late fees then the unit is worth. My payments were only a day late. That 's my complaint no grace period,
Product: Credit reporting or other personal consumer reports

THIS INFORMATION IS INCORRECT. ELIMINATE XXXX Balance : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Ive tried to resolve this issue with Wells Fargo Bank NA in regards to a FHA mortgage that it isaid they were the holder in due course of the note and mortgage. I've was able to do a loan audit and found said loan in a XXXX XXXX XXXX called XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Kimball Trey St John is knowingly reporting inaccurate information after notifying them previously in XXXX of last year of this inaccurate reporting. They are damaging my credit score and causing my hardship due to me being denied for housing because of this error.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts I marked as inaccurate : nationwide recovery service and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXXXXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Mortgage

On XX/XX/year>, I refinanced my mortgage with Rocket Mortgage and did not receive my escrow from the previous loan. I contacted Rocket Mortgage to explain why and was told several conflicting stories. Initially, I was told it was what Rocket Mortgage called a Netted Escrow where they applied the funds to my escrow account. That explanation is not appropriate as the loan was being paid off so there was no reason to do anything with my escrow because funds were retained from the new loan to create a new escrow account. The representative who gave me that information looked at my file and determined that the explanation was not appropriate, so he transferred me to a Rocket Mortgage XXXX XXXX ( XXXX XXXX ). She indicated that she would investigate what happened to my escrow. She called me rather than send an email and stated that my escrow was used to reduce the amount of the mortgage I was refinancing. I asked who authorized that and she said it is something they do. I asked whose escrow was it, mine or Rocket because I should have a say in what happens to my money. I asked her to send me a copy of the XXXX XXXX XXXX, however I have not received it. 

XXXX XXXX called me again after I sent her another email requesting the status of her inquiry. She stated that there were no actions she plans to take as the loan had already closed. She was investigating to see where errors occurred in her office and where they can improve as they are all human and make mistakes. While I agree they are human, their errors should not impact me. She went on to say that I didnt lose any money as my escrow was used to reduce the amount of the loan I was refinancing. Moreover, she indicated that I should have said something during the 3 days I had to cancel the loan, however I did not receive notice this occurred until XXXX weeks after the loan closed. 

My issue is during the initial loan process my escrow was discussed with my loan officer and he indicated that I would get it back ( the same as my previous refinances ). While XXXX XXXX states I didnt lose anything is not the case. I refinanced for a specific reason and getting my escrow of {$6800.00} to satisfy some other obligations was a contributing reason for me refinancing. Im requesting Rocket Mortgage do whatever is required to refund my escrow.