23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/2020 I applied for a refinance of my home mortgage loan with Freedom Mortgage. They currently hold my loan so I am not a new customer and they contacted me offering a lower rate and to pay many of the related closing costs. 
Since that time, I have submitted every piece of documentation they have requested NUMEROUS TIMES. Often, I do not hear from anyone for extended periods of time. 

Each time I complete the submission, I am later told they do not have the information. 
Much of this is PERSONAL FINANCIAL INFORMATION that NO ONE in the company seems to be able to locate!!! On more than one occasion I have submitted files to and from secure sites and been acknowledged of their receipt by Freedom Mortgage - only to later be told they do not have the information. I have even been told they need something that they have never actually requested! Or, asked for statements that were not available at the time I submitted those they requested. 

My complaint here is to address their clear mishandling of such information as well as their complete lack of customer service. My so-called advocate is a very rude man. 
My loan officer and managers have been completely unresponsive to calls and emails. 
There is seemingly NO WAY to reach anyone in the review department or anyone higher than the advocate to find out the status of the application. My so-called advocate XXXX XXXX, has denied receipt of secure emails sent to him by my financial broker. He has had secure emails in his inbox that he simply did not want to take the time to open and upload. So where are they? 

I have not been able to access my customer portal for weeks to even be able to review my rate and closing costs. Repeated requests for this information were ignored. 

I apparently can not attach recent emails to and from the company but am happy to provide CFPB more details if necessary. 
There are literally HUNDREDS of customer reviews online that say the exact same thing about being unable to close on a re-fi for months, reports of completely unresponsive company representatives and repeated requests for documentation already provided. 

My damage? I have wasted THREE MONTHS trying to move this application to closing. Mortgage rates have now INCREASED SIGNIFICANTLY so I am not going to benefit nearly as much by refinancing. 

This company should be investigated for their mishandling of consumer applications as well as mishandling of sensitive personal and financial documents. NO ONE should go through this only to end up NOwhere. There is no indication of ever getting to closing with this company. My loan was originally scheduled to close on XX/XX/XXXX. 
They are now requesting even MORE documents as if completely starting over. 
I realize things are time-sensitive but the only reason - the ONLY REASON - this is an issue is their lack of professionalism and internal communication to be able to effectively process a loan application.
Product: Payday loan, title loan, or personal loan

This is not my loan. Someone opened under my name. This is identity theft. I received an alert on my account in XX/XX/2022. A new lender has started a loan under my name. I never applied for this loan. But it comes out in all of my credit reports. I have put a fraud alert on my account. Tried to have it deleted from all my credit agencies. I sent a letter to the lender. I tried calling the lender. No answer. However the lender responded in a letter that I need more information. I do not want to give them my personal information. I read that they have a bad reputation. 
Amount of original loan amount {$1600.00} XXXX. Secured loan. @ $ XXXX  month This is a secured account. But its nothing I own? So how could it even be me. 
Also they never did a credit check.
Product: Debt collection

MIDLAND CREDIT MANAGEMEN has been calling me, emailing me and sending letters to my address trying to collect on a debt that does not belong to me MIDLAND CREDIT MANAGEMEN has called and threathen me to garnish my pay check and to continue reporting information on my credit report that does not belong to me
Product: Debt or credit management

XXXX XXXX or Banking Accounts anything that falls under a XXXX XXXX Practices is being politically or individually targeted. Received a response from the California Attorney General regarding the practices and the third party malice personalities, on XXXX XX/XX/year> i noticed pending transactions or credit impacts to my personal credit report. Targeting my credit is an obvious practice on social standards or worse my emotional XXXX  levels. The additional interest, late fees along with principle withdrawals is an intentional target. payments that pend for XXXX weeks or a month after billing statement or payment date is only making XXXX and XXXX liberties a difficult obstacle with XXXX communications to third party assistance. My purchasing power should be without notifying banks or unknown agencies or service providers my moment of interest or my actions taken due to FREEDOM OF PRIVACY LAWS. XXXX and XXXX power in a time of need is costing thousands of dollars out of pocket, credit reporting bureaus. FBI XXXX XXXX XXXX XXXX XXXX finalized the interest of my concerns, sensitive investigations and my constant unwanted reporting is a service that i am avoiding unless i am at fault. 

XXXX XXXX XXXX XXXX
Product: Debt collection

I received a letter from Convergent stating they were willing to settle a debt for {$300.00}. XXXX from XXXX XXXX XXXX  XXXX. I have never had an account with XXXX and double checked my credit report to ensure there were no new accounts opened in my name. The original balance supposedly owed is {$880.00}.
Product: Mortgage

I have been trying to receive a payoff on my HELOC with Bank of The West for 3 weeks. The first request was sent/faxed on XX/XX/21 and then again on XX/XX/21 from XXXX XXXX XXXX. I have held for customer service and told on two occasions XX/XX/21 I was told escrow would receive within 24 hours and then again on XX/XX/21 again I was told escrow would receive by the end of the business day. Both times customer service confirmed they received the request for payoff. 

This is extremely unusual and appears to be an attempt to not allow us to pay this loan off. Almost impossible to get someone on the phone. There is no branch local to me that is open and I can walk in and find out what the problem is. The Corporate phone number goes directly to an automated customer service line. 

I don't know how to resolve this issue!
Product: Mortgage

sent a letter requesting payoff statement, current balance, escrow balance, company refused to send, sent me a grid sheet of HOA fees ; I am not in a HOA ; telephoned company, refused a payoff balance or escrow balance, did inform me of the current balance ; sent another letter requesting payoff balance, escrow balance, and under the Truth in Lending Act mortgage servicers are required to send periodic statements to borrowers including those in XXXX XXXX XXXX unless specific exemptions apply and here they do not ; as a consumer I am entitled to a monthly statement instead this mortgage company is arrogant, refusing to answer and prefers to be nontransparent with these issues, keeping a customer in the dark, to their advantage ; attached is a letter from the mortgage company which did not address what I asked for ; Attached is my recent letter and the company response dated XX/XX/year>, which is no response ;
Product: Mortgage

Nationstar Mortgage has simply created a {$150.00} fee on my mortgage statement with no explanation as to why this fee covers. They also have started to charge {$9.00} per month to make your payment online. How can they charge you to make a payment? This company bought out my original mortgage that was with XXXX Bank. Nationstar Mortgage is a criminal organization that needs to be shut down.
Product: Credit card or prepaid card

Last year I agreed to and paid several companies for services that have tuned out to be an online business opportunity scam. I have paid thousands of dollars for services that were severely misrepresented and not provided to me as sold. I understand that Bank of America has a 60 day rule for disputes but I have recently been advised of my rights for scenarios just as this where I may disputes charges like these for up to one year for the billing date under something called claims and defenses. The  charges I am contesting were paid to XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX XXXX on XX/XX/2019 {$9200.00} XX/XX/2019 {$1900.00} XX/XX/2019 {$2600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Account : XXXX ( Hospital visit covered by insurance ) According to FCRA, 15 US C 1681 Section 604A Section 2 states that a consumer reporting agency can not furnish a account without written instruction. Also, this bill was covered by insurance 100 % should not be in collections. I need it removed immediately.
Product: Debt collection

A letter dated XX/XX/23 was sent via certified mail XXXX XXXX XXXX XXXX XXXX requesting validation of the debt and documentation to support the right to collect the debt within the time period disclosed in the initial letter ( by XX/XX/23 ). The company received the validation request timely on XX/XX/23 ( proof included ) but did not provide the requested information. A collection notice has been placed on my credit report and is affecting my credit negatively.
Product: Credit reporting or other personal consumer reports

I reviewed my report back on XXXX XXXX, and noticed some things are incomplete and not accurate. Also, according to the fair credit reporting act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

The accounts below are not complete and accurate. And one more thing according to 15 USC 1681s-2 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.

Also according to the fair credit reporting act. Whenever a consumer reporting agency prepares a consumers report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual to whom the report relates. Also, they sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate and according to nd according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ). In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to this law they are supposed to provide me with a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ).

And one more thing according to 15 USC 1681s-2 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. 

Check the attachment below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX, # XXXXXXXX XXXX # XXXXXXXX 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: Debt collection

This new collection account is being collected from a previously removed debt for a balance I do not owe and disputed. I disputed this debt prior to the collection agency reporting it to my credit and requested validation. They did not provide validation and reported it to my credit. Now this new agency that has invalid and incorrect info on me is collecting it.spoke with representative today that validate an old address as the address that they were contacting me at. Which I havent been at that address in almost 4years. I do not owe this debt I have disputed it since being contacted by the original creditor and have maintained zero responsibility of the debt since day one. This item was removed from my credit previously and should be removed and remain off my credit as I am not responsible for the debt as there was never any exchange of goods or services. This collection agency is also collecting on a debt that is also being handled by an attorney based on the previous agency so the debt is being collected on and handled by multiple parties
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to these companies to have them look into the wrong information they have been reporting on my credit and they still have not after 60 days gotten back to me. I ma very upset over this and want this handled immediately please.
Product: Credit card

i have a credit card account with citi bank since XX/XX/2002. I have been making payments every month and recieve statements every month. For the past four plus years i have been locked out of my account and citibank refuses to issue a replacement card, unlock my account or grant me access to my account online. i have made many calls and have been told my account has been closed. i informed them that my account is not closed and i have been making payments and receiving statements with available credit amounts and never canceled my account. Each time i call they confirm my address and tell me a letter will be sent to my address to correct the issue. and a replacement card issued. i currently have a credit on my account and i am unable to modify payments due to my separate citibank being unlinked by citibank and i can not view or modify those transactions. I want my accounts linked up and a new card issued.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, Re : Attached 1099-A Form From BSI Financial Services which appears to have been sent to us in error. 

Why did BSI Financial Services send this 1099-A to us? 

We have never had any dealings with BSI Financial Services> Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX ct XXXX XXXX XXXX, FL, XXXX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX : Account number XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report
Product: Credit card or prepaid card

On the day of XX/XX/2018 I noticed that my account had been hacked or something it was over drawn {$840.00} Im sitting in my living room with my son and my boyfriend watching tv I looked in my wallet to see if I lost my card no its in my possession ( still is ). So I called Bbva Compass Bank started the process and they told me the account was then blocked but at XXXX XXXX XXXXt it went from XXXX to XXXX another charge on my card had been used again Im still home. The next day XXXX XXXX was supposed to be a happy day for me and my family Im stressing out because with the fees and all my account went from XXXX $ to XXXX I kept calling every single day I have my dispute number ( XXXX ) I specifically told them about nine gas stations and the man at this time said he updated it so that the investigators would see my update on. Again like all banks they say you will see a credit in 10 business days and today is the tenth day I was promised a credit my account is not even handled I didnt receive anything no emails no letters no nothing I have to pay rent daycare etc Ive been putting things off due to this inconvenience to me and my family Ive loss sleep cant eat because of this termoil that this bank has caused me. I just want what is rightfully owed to me so that me and my family can move forward. I will not be banking with them anymore due to this and due to them not be truthful with me from jump Im only XXXX with a XXXX year old boy Im raising him by myself I pay rent by myself I pay for everything on my own I thank XXXX for my boyfriend mom and dad for helping me but this has to end now.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2. # # # Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The follorwing inquiries were made without my authorization : Unauthorized Inquiries : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. XXXX Accounts : XXXX. XXXX / XXXX Account Number : XXXX Balance : {$3000.00} Account Status : Charged off as bad debt, loss reported by creditor. Date Reported : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX Account XXXX : XXXX Balance : {$0.00} Account Status : Closed, reported as loss. Date Reported : XX/XX/XXXX XXXX. XXXX XXXX Account XXXX : XXXX Balance : {$0.00} Account Status : Charged off, loss reported. Date Reported : XX/XX/XXXX Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me. I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!
Product: Debt collection

On XX/XX/2019, XXXX XXXX XXXX  XXXX  put debt on my credit, I never received a letter to clear it up, I have never seen what the charges are for, I tried to contact CAPSTONE CREDIT & COLL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXX. I was employed with XXXX  XXXX  and nobody will get back to me. The property manager is awful, I should have pressed charges against her when she threw a file at me and then XXXX  me. 


I have tried over and over to contact and make a deal with them and nobody will work with me, I am a single mother and do not have much money to spare at all, I really need help with these 2 companies XXXX XXXX, XXXX  XXXX  XXXX  XX/XX/2019 Contact XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX
Product: Credit card or prepaid card

On XX/XX/2018 BARCLAYS BANK DELAWARE located at XXXX XXXX   XXXX XXXX, DE XXXX ran an unauthorized credit report on me. I had given no written or verbal authorization to run this report, nor had I applied for any credit card or any other type of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last year, I've been led to believe that my credit report has been irresponsibly managed. I'm a victim of identity theft that stems from the XXXX XXXX data breach. I've been disputing fraudulent accounts for the past year, and Transunion have not provided me with substantial proof of validation that they claim they've received. I have made several attempts to remind Transunion of their obligations under 15 USC 1681. It appears that they are deliberately and willfully negligent in resolving my issues. 15 USC 1681e ( b ) guarantees that I am due and promised accuracy in my report in accordance with federal law. This is yet another attempt to have errors on my consumer report corrected. According to 15 USC 1681i ( a ) ( 5 ), all unverified information must be promptly removed following the reinvestigations. You can see in your system that this account have previously been disputed without being thoroughly investigated, so I know they can not be verified or validated. XXXX XXXX is fraudulent. I demand that the account be removed.
Product: Prepaid card

I got a gift card in the amount of {$50.00} as a gift. I have activation and receipt for this card. 
When I checked the balance it was {$0.00}. I looked to see why and it had been use in XXXX  at a secretary of the state. I called card company and was asked to fax information such as my drivers License, copy of the card, receipt etc. I first faxed info as requested, waited a month, no response so I called again. Again they asked for information to be sent. I did as asked and still nothing. I then began calling again. They ask to enter card number and I do then representatives come on and ask more information, they then put me on hold or just hang up on me. This is happening everytime I call. I want them to make this cards value correct or send me a new card.