23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I'm filing this complaint on Fay Financing company for transferring my mortgage to XXXX XXXX  company with an uncorrected error on my mortgage account. I received notice of an increase in my mortgage payment by Fay Finance. Stated that they did an analysis on XXXX and my mortgage was raised to XXXX. I called and asked why the high increase in my payment I found out that the analysis was done without my property tax exemption, then I was told that when they received the loan package from XXXX XXXX there was no tax exemption document stating that I was entitled to any exception. My mortgage was transferred to Fay Servicing from XXXX XXXX which had the proof of my exemption. I have no control of how documents are handled by the creditors, but would hope they would be handled with care to avoid a situation that would cause such an error. My proof of exemption should have transferred with all of the rest of the important documents that was issued to Fay Financial. Then Fay Finance couldn't justify the over three hundred dollars added to my mortgage.Fay Finance found out that my stormwater fee was behind in payment and paid the XXXX XXXX XXXX dollars to my city who I had a XXXX dollars a month payment agreement with paying on a monthly basis. The stormwater utility fee is similar to fees paid for water and sewer service, trash collection, or electricity. It has nothing to do with my mortgage payment until I was caught up. Then Fay Finance started paying my stormwater fee before I could get a chance to pay it. I never asked them to pay my bill. I then made the city treasury department aware of what Fay Finance was doing. I then received notice that my account would be transferred in XX/XX/2019. I paid my payments to you including the stormwater fee and was still not satisfied with how my account was handled. You transferred my account to XXXX XXXX as late and that is the state it has been in. Fay Finance has reported me late 30, 60. 90 days late. Dragging down my credit score now XXXX XXXX is doing the same thing
Product: Mortgage

I called the USBank 's home equity department regarding an insurance issue and they said their insurance department will NOT talk to the customer directly and they refused to transfer me to the insurance department claiming it was " Company Policy ''. This Company Policy is appalling. How can I rectify the issue if they won't speak to me?
Product: Debt collection

I have been with XXXX XXXX since XX/XX/2023 and this is a debt consolidation company. My account with XXXX XXXX  dealing with One Main is # XXXX. XXXX XXXX is willing to do a settlement to take care of this debt besides going to Court or Garnishing my wages. I was notified by a Bankruptcy Attorney and have submitted the letter to XXXX XXXX of this potential lawsuit or garnishment.
Product: Debt collection

XXXX XXXX XXXX, located in XXXX, Texas, mistakenly sent my name over to ProCollect in error as part of a new XXXX training.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report in XXXX of 2023 and found that I had been a victim of Identity Theft. I found a XXXX Credit Card with a balance of nearly {$2000.00} which did not belong to me. I filed a FTC report and police report, I sent these and contacted XXXX Bank but have not had any communication or resolve the issue in more than a year.
Product: Debt collection

I am writing to deleted the following information in my file. The items I need are listed in the report. I am a victim of identity theft and did not make the charges. I ask that the items be deleted to correct my credit report. I reported theft of my identity to the federal Trade commission and I also enclosed copies of the federal trade commission Idenitity Theft Affidavit. I would appreciate it if you deleted these items as soon as possible its holding my life back Im in the process of purchasing an home for me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX XXXX are reporting a debt collection but both have different open account dates.Thats not me.
Product: Credit reporting or other personal consumer reports

I recently spoke with Experian 's Special Handling Department and inquired about whether the reporting creditor had provided them with proof of ownership in regards to a dispute involving a business account that's being reported on my personal credit profile, despite my lack of responsibility for it, as well as a collection account that I have no knowledge of and have never had an account with that creditor at that address. To my surprise, I was informed that they do not typically request documentation for validation ; instead, they rely solely on a response from the creditor, deeming it valid. I then raised the crucial question : How does this process guarantee the accuracy of the reported account information? 

In response, I was simply informed about their operational procedures and advised that if I wished to challenge the accuracy, I would need to request this information directly from the creditor. Otherwise, Experian would continue reporting the inaccurate information. I emphasized that I had already included a letter from the creditor validating the inaccuracy of the information. 

In light of this, they mentioned reopening the request, but cautioned that if the creditor once again responds with a validation, Experian would continue to report what the creditor wishes, leaving me with no recourse but to contact the creditor directly to dispute the information.
Product: Debt collection

At XXXX am XXXX XXXX  ( XXXX XXXX ) I had missed a phone call from number XXXX on XX/XX/year>. No message or voicemail was left. Then fast forward to XXXX, I received a call from the same phone number XXXX at XXXX XXXX XXXX ( XXXX XXXX ) It was XXXX seconds long because the person hung up as soon as I amswerd my ringing cell phone. 

So I called back. This man was rude, and talked over me asking who he was, even ignoring my asking of who he was and why he was calling. I said I need some info on who it is I'm dealing with. The man became agitated and really raised his voice and kept asking me repetitively " What kind of information are you asking for sir? '' Maybe 4 times he asked me that. I let him finish speaking the XXXX attempt to ask what information I was seeking. I immediately asked why are you getting so upset? I need to just verify who you are and why you are calling me without giving out my personal info over the phone because I won't do that. 

The entire time he was just speaking when I was. He even accused me of cutting him off? Maybe I did but I was only re stating I don't give out personal information over the phone to people or businesses who can not identify themselves properly. 

I called back again after googling the phone number that called me. The company name I found was XXXX Central Portfolio Control XXXX XXXX XXXX XXXX XXXX. XXXX provided a new phone number of ( XXXX ) XXXX. I called and a woman picked up this time. She wanted me to verify my birthday without any time delay from when she answered my call, likewise she wouldn't agree to tell me anything other than her company had sent me the debt collection validation/verification letter and I don't have that letter from that company.
Product: Mortgage

My XXXX XXXXXXXX XXXX account double debited for my XX/XX/year>2025 Truist HELOC payment. I called Truist. They say they can not reverse one of the debits made to my XXXX  XXXX XXXX account and that I must wait until both payments post at Truist and then I have to call back and request one of payments be reversed. Truist will not reverse the payment back to my XXXX  XXXX XXXX account. They will only reverse it into my Truist checking account. Then I need to transfer the money from the Truist checking back into the XXXX  XXXX XXXX account. This process will take up to a week, during which they are making money on their mistake. They will also charge me a fee to make the transfer back to XXXX  XXXX XXXX. 

I believe this is intentional mismanagement to take my money and make interest on it while I am navigating a cumbersome and inappropriate process to get my money back.
Product: Vehicle loan or lease

On XXXX XXXX, 2015, my monthly auto payments for my XXXX were not going through and I was out of the country in XXXX. I thought my car was on auto bill payment but it wasn't. I ended up staying in XXXX for longer than expected and while I was out of the country the car went into collections. They never notified me of the rejection and and now I am unable to finance a car because of this mark on my credit and the company will not help me with this unfair situation.
Product: Mortgage

My current mortgage loan was transferred to a new loan servicer. The new loan servicer stated that I was behind on my loan payments when I was current. When I contacted them I was directed to contact my prior loan servicer to provide the missing funds. 
I've made repeated attempts to resolve the matter with the previous load servicer to no avail. My phone calls have gone with not replay. 
Phone calls made XX/XX/2020, XX/XX/2020. I was informed that a representative would return my phone call but have not received a follow up phone call. 
Amount on question is XXXX Old loan servicer is XXXX, XXXX New loan servicer XXXX XXXX XXXX. XXXX XXXX Loancare XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX
Product: Money transfer, virtual currency, or money service

Identity you XXXX your account. 
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Called discover department and they refused to Send me a 1099- C form which is a cancelation of debt this account is reporting monies own which would be inaccurate amount from charge off, THIS ACCOUNT IS SHOWING A " PAST DUE " OF XXXX XXXX dollars, of a charge off account I demand this inaccurate information reporting on my credit report according to THE FCRA STANDARDS OF 100 % accuracy of reporting please provide me with original purchase agreement with wet signature and last activity dates, when account opened and closed according to 15 use 1692 ( g ) debt validation PLEASE EXPLAIN TO ME HOW YOU ARE REPORTING A PAST DUE AMOUNT THATS WRITTEN OFF AS A CHARGE OFF IF THIS ACCOUNT IS REPORTING ACCURATELY THEN THIS BALANCE ISNT REPORTING WITH ACCURATELY IT " MUST BE DELETED
Product: Credit reporting, credit repair services, or other personal consumer reports

Im contacting about Experian I have a account and address on my report been there since 2014 thats not mine sent over ftc respite sevral times since 2014 they tell me every time it will remove in 24-72 hours and never does I need this issue fixed asap in 24-72 hours of receiving my complaint
Product: Credit reporting or other personal consumer reports

I have report incidents to XXXX XXXX TransUnion These XXXX credit bureaus have allowed hackers and scammers using my Email Account and Address in my name, phone number, and XXXX. 
My social security number Address These Emails Addresses and Accounts. 
Hackers and scammers have created in my name, phone number, and username I have informed them that opt me out of XXXX XXXX XXXX XXXX I have sent them priority mail on XX/XX/year>XXXX XXXX
Product: Credit card or prepaid card

My Hsbc premier credit card ending in XXXX was compromised and someone used my card starting XXXX to end of XXXX. I called in on mid XXXX to cancel the card and they denied the claim stating that I called in for travel notice and some of the charges are Coming from over seas but I called again for the claim stating I cancelled my plan to travel which I called my card company to let them know and they should have note of it. They had sent the letter stating my claim was denied for not filing police report on XXXX to my previous address which I didnt know it until last Sunday. I had to goto police to file the report yesterday for identity theft and the fraud charges. I asked my bank for interest charge reversal and theyre refusing to do so as the claim was denied which amounts around to XXXX $ Worth and they keep charging the finance charge fee.
Product: Student loan

Per letter received, dated XX/XX/23, I am due a refund of {$3800.00}. It was stated in this letter that I would receive the refund approximately 60-90 days from the date of the letter. As of today, over 150 days since the date of the letter, I have not received the refund.
Product: Student loan

I signed as co-signer for an initial application for credit for a private student loan on behalf of my father. After the initial credit application, I never saw disclosure of the terms of the loan, nor signed another document again. I was told by a XXXX representative that there was a check made out to me AND my father, but I never signed that either. When notifying XXXX student loan services, they told me I can submit a fraud package, but never gave me the package or proof that I signed for any loans. So the fraud is on XXXX student loans part. XXXX currently is n't reporting this loan on my credit report, it is a company called XXXX ( XXXX XXXX XXXX ). This company charged off the student loans, yet every time I dispute the charge saying I do n't own it, all three credit bureaus come back and say I do own it ( Transunion, XXXX, XXXX ). I am not sure how the credit bureaus verify this when XXXX is unable to provide any information on these loans. So not only can I file a fraud charge on this account, but both XXXX and XXXX refuse to mail me any evidence that these loans belong to me. XXXX only sent a loan request I signed on XX/XX/2008 while showing a document of Disclosure Statement sent on XX/XX/2008 with no signatures. And they do not have the cancelled check showing my signature ( or lack thereof ). I am only trying to remove myself as a co-signer because I never agreed to their terms nor signed the check IN ACCORDANCE WITH CODE OF FEDERAL REGULATIONS, TITLE 34 EDUCATION, SECTION 685.215 - Discharge for false certification of student eligibility or unauthorized payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DO NOT RECOGNIZE THESE INQUIRES. THE FCRA ALLOWS ME TO HAVE FALSE ITEMS DELETED FROM MY REPORT. I DO NOT HAVE ACCOUNTS OPEN WITH THESE COMPANIES. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

Hello, Debt Recovery Solutions has been harassing me on and off for over seven years.

They stop for a while and then pick up where they left off 3,6,9 months later. 
Is this legal? Can something be done about this? 
Thank You
Product: Checking or savings account

My employment checks was deposited in to credit karma/ MVP banking, I had notified them that some one keep changing my address and phone number, then they had frozen my account, I had to summit many documents proving who I am, it's been over two weeks, and they still refuse to give me my funds. I spoke to the private investigator, he told me that they have the ip address of the person who did it. And that he promise that they was going to release my money. As of today I still haven't had no luck with retrieving my funds. They are treating me as if I'm the bad guy. When I'm the victim... I've XXXX many emails and all they do is ignores my emails.
Product: Debt collection

The company CREDIT COLLECTION SERVICE have contacted me in regards to attempt to collect a debt that I dont owe to them. 
I XXXX XXXX is the original creditor who didnt sign an documentation with CREDIT COLLECTION SERVICE and have no knowledge of an account with them and dont owe them anything.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX sold my mortgage to Flagstar bank. We continued to make payments to XXXX XXXX and no one notified us of the sell of our mortgage until we were 9 months late on our mortgage. When I finally received a phone call regarding the issue of being late from flagstar we were told that all notifications via mail were sent to our old address on file before we moved to the current location which is the address of which the mortgage was obtained. Now the company has ruined my credit and charged me late fees because they bought a loan not even knowing the address of the house on the mortgage they purchased. They refuse to waive all the late fees and will not voluntarily fix my credit score. Instead because of their incompetence I am the one inconvenienced.
Product: Checking or savings account

Hello, I have received a letter from Navy Federal Credit Union on several dates, stating that I need to verify my information using the XXXX form. I uploaded the form to their organization several times with no feedback regarding updates at this time. It appears I have credit cards with them that I can not access to make payments on at this time. I would like for your organization to reach out to them to get more details on verifying my XXXX XXXX XXXX  with the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Fraudulent activity in my HSBC " Select Credit Account '' ending in XXXX. On XX/XX/2020, the perpetrator transferred {$6000.00} from my Select Credit Account to my savings account. On XX/XX/2020 a wire transfer of {$5500.00} from my savings account was sent to XXXX. This is XXXX  XXXX XXXX XXXX. I found out about this activity on XX/XX/2020 when I received an account statement in the mail. Previous to this date I did not receive a phone call, text or email from HSBC alerting me to this unauthorized account activity. My Select Credit Account has not been used for 2 years. Actions taken by me are as follows : XXXX ) XX/XX/2020 : Contact the Fraud Department of HSBC 2 )  XX/XX/2020 : Filed a Police Report with the XXXX County Sheriffs Office, XXXX XXXX, Florida 3 ) XX/XX/2020 : Submitted to the Federal Trade Commission Identity Theft Victims Complaint and Affidavit. 
4 ) XX/XX/2020 : Contacted XXXX, XXXX, XXXX  Credit Bureaus to place a Freeze on my Credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXXXXXX SOC # XXXX DOB XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX To Whom it May Concern : XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX/XXXX  Inquiry from XX/XX/XXXX Bank Equifax Mort Inquiry from XX/XX/XXXX Misc. 
XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Bank XXXXXXXX Inquiry from XX/XX/XXXX Bank XXXXXXXX  Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXXXXXXXXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Bank XXXX  XXXX Inquiry from XX/XX/XXXX Bank XXXX  Inquiry from XX/XX/XXXX Miscellaneous XXXX XXXX XXXXXXXX XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX, XXXX XXXX  Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Telephone Companies XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. 
XXXX Inquiry from AXX/XX/XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC # XXXX DOB XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

After review of the last response to my previous complaint, I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in XXXX  days update the account to PAID/NEVER late and send me a copy of updated credit report - Date of reports : ( XX/XX/XXXX and XX/XX/XXXX ) This account has not been XXXX  days late on payments i've attached a copy of my report to this complaint XXXX  XXXX auto finance loan account number XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/24 XXXX charges my cash app card {$160.00}. The cash app card was locked at the time of the transaction and declined twice. Then cash app allowed the transaction to go through. I do not have the actual card so I disputed the transaction as I did not authorize XXXX to bill that account nor do I know how it was billed as I did not supply the merchant with the card. Cash app has declined my dispute twice and has no customer service number. I should not be responsible for an unauthorized charge