23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The Homeowner fell behind on her mortgage and tried to work out loss mitigation options with her servicer, BB & T. The Homeowner and BB & T participated in a state administered mediation session that concluded without an agreement. As a result of the mediation, The Homeowner knew what documents BB & T needed to continue their loss mitigation review. She submitted those items on XXXX XXXX, 2015. BB & T 's attorney confirmed that he had received the workout package, he forwarded it on to BB & T, and he also confirmed that the Homeowner had submitted a complete package. 

BB & T 's counsel agreed not to move for a foreclosure sale during the loss mitigation review and agreed that there would be no foreclosure scheduling until at least XXXX XXXX. Despite those assurances the Homeowner received a notice of foreclosure sale date on or about XXXX XXXX, 2015. Currently there is a foreclosure sale date scheduled for XXXX XXXX, 2015 and BB & T has not completed their loss mitigation review. BB & T did not request additional documents for the loss mitigation review until XXXX XXXX, 2015. The Homeowner is in the process of collecting those items.
Product: Credit card or prepaid card

I was not in XXXX when the charges occurred, to prove that I am sending you copies of every page of my passport, which I have placed on today 's newspaper to prove the pictures were taken today. 

You provided me with several sales drafts, none of the signatures on the drafts, of which many were not signed, matched my signature. 

How could I be present to make charges, as you allege, when I was not in that country and provide unimpeachable evidence to prove I was not there?
Product: Checking or savings account

Good afternoon I am dealing with a bank called Chase a XXXX individual chase. I open my business XXXX XXXX XXXX to sell and flip properties to buy properties. Theyre going to be large transaction from I open the business Chase account Ive been having problem, transferring money, depositing money and sending money to my own personal Chase account. I have never had this problem with XXXX XXXX our XXXX XXXX XXXXXXXX. They too have my business account with them, but Chase is being discriminated against me because of this last transaction I am doing is XXXX time now I have to go to the branch to verify my transaction and verify my identity because a XXXX XXXX can not be XXXX {$20000.00} and a day or {$40000.00} in a day on white people are alone can make it Monday I deposit at {$20000.00} in my account and a {$170.00} in my account. They cleared the {$170.00} and put my {$20000.00} on hold for eight days. Tell me if this bag do not want to sabotage me in every means and every way this is a {$20000.00} closing funds that I pay extra into closing it. Theyre just returning back the funds to me. I do not know why I use Chase to clear this funds. I should have used XXXX XXXX because the trouble Ive been having with them for almost 3 months with this business account this was not the first account I have with large transaction that I am having problem with them with because I told them close their account and I started to withdraw my money out of the business account into my personal account. They flagged my account. I said I need to verify my business all because I want to close my account I want the {$20000.00} clear they transferred it to my personal account and close the business because they are sabotaging my XXXX XXXX business company that does flip and sell and rent. I need a solution to get my {$20000.00} from Chase immediately because now I feel like to file a discrimination class action lawsuit against Chase.
Product: Credit card or prepaid card

I have been trying to pay my Oportun credit card bill for months. I was in rehab and my sister tried to pay it online for me so that I would not incur any late fees or charges. The website would not allow her to make a payment when she clicked on the pay now link, it did nothing. I was also unable to get statements online. She called on my behalf trying to pay as well many times and they would not allow her to make a payment on my account even though she provided all of my information. I was unable to give permission as I had limited phone access. I recently got out of rehab and tried to call and pay and because i didnt have my phyical card and XXXX digit account number they would not allow me to make a payment even though i was able to provide all my other information. I then requested a new card as they suggested. The following day i received a letter in the mail stating my debt had been sold to a collections company. 

I have tried to pay many many times. They did not seem to want my money. Also, it seems that the call center is outsourced as all of the people i spoke to were foreign and i could not understand their heavy accents.
Product: Checking or savings account

Checking account closed without notice, fund was on hold. Called customer support many time and went to branch to submit my ID and supporting document. Customer support has verified the document is legit and have requested for fund release. Got letter from executive office that my fund is still on hold with suspected fraud when I have provided all the documents and my identity was verified.
Product: Consumer Loan

Credit Central is coming to my house harassing my wife and have been for the last XXXX days. I owe then about XXXX bucks and they are sending people to my home telling my wife I set up a meeting with them weeks ago. Kinda hard when I 'm on a otr truck driver. They are harassing my family and it needs to stop.
Product: Mortgage

The complaint is against Flagstar Bank XXXX XXXX XXXX ( XXXX ) XXXX, MI XXXX We closed and paid off our loan at the end of 2019 on XX/XX/XXXX via a refi. 

The dashboard for Flagstar 's online account shows the account was paid in full on XX/XX/XXXX and showed an Escrow balance of {$2400.00}. However, on the XXXX XX/XX/XXXX they charged us 2 months of PMI/MIP ( {$340.00} ) even though no balance was due and deducted it from the positive escrow balance they were holding. 

Further, even though they were paid on the XXXX XXXX they charged interest till XXXX XX/XX/XXXX.
Product: Debt collection

On XX/XX/XXXX I disputed the debt that Carrington Mortgage Services , LLC was alleging due to the fact that I had cancelled the loan transaction on signed " notice of right to cancel '' dated XX/XX/XXXX which was also filed in XXXX County, NM via the Truth In Lending Act. In this same letter to Carrington Mortgage Services , LLC I not only informed them of the cancelled loan I requested that they close the acct and not to contact me any further whether through calls, letters or sending people to my property. They instead responded on XX/XX/XXXX with a letter addressed to me with slander and lies which I do indeed deny and threats against me including fraud and prosecution. Meanwhile telling me to pay the debt as a solution. They are continuing to harass me by mail. I will include their letter dated XX/XX/XXXX as requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I refinanced my home with XXXX  approx 18 months ago. XXXX  transferred my mortgage to Dovenmuehle who, in turn transferred it XXXX XXXX on XX/XX/XXXX. In XXXX of XXXX, I accidentally paid my mortgage twice. I contacted Dovenmuehl and they said I could fill out the forms for a refund or when they transfer the loan to XXXX XXXX, they would tell them that my first payment was due XX/XX/XXXX. As you'll note from my emails this did not happen. In addition to the email, I have talked to someone at Dovenmuehle and XXXX XXXX over 15 times since XXXX. 

Each time, I would say, " I need this resolved and I'm worried that this will reflect my credit ''. I was assured it would not affect my credit while it was being investigated. 

Because I was being told so many different things from so many different people I decided I couldn't trust what I was being told so in XXXX, I paid the mortgage payment that I didn't owe just to prevent any future problems. I have owned my home for 30 years and have never missed a payment. 

I just received notice from one of my creditors last week that XXXX XXXX, had, in fact, put a derogatory " missed payment '' on my credit report. My score immediately went down over XXXX points. 

I have emailed XXXX XXXX and talked to a service rep. They have not returned my email and the service rep was going to talk to a supervisor and get back to me. They have responded to neither. 

I tried 7 on your side first and they suggested I contact you. 

Thank you. 

XXXX XXXX ( XXXX  ) The Loan may be under The XXXX XXXX XXXX
Product: Debt collection

a company saying they were Fay Servicing scammed me for {$6200.00} acting as my loan owner the were offering me a loan modification and requesting my payments through XXXX wire transfer. 

All the e-mails looked correct per logo and conversations but when I called Fay and talked to the gentlemen that I recognized because of previous conversations over the years he said that I was getting scammed! 

I then requested my money back and they keep saying they are Fay servicing and the actual guy I was talking to from Fay was an imposter they keep stating that they are legit I made a payment XXXX for {$500.00} XXXX for {$1500.00} XXXX for {$750.00} XXXX for {$1700.00} XXXX for {$1700.00} Total {$6200.00} These e-mails have been from XXXX XXXX Case Manager ( XXXX ) XXXX XXXX and XXXX XXXX employee number XXXX ( XXXX ) XXXX please stop these criminals from stealing from anyone else
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XXXX XXXX 2018, I checked my credit report to inquire about a recent credit inquiry that I did not authorize. The creditor was Equifax. I tried calling their customer service, and was told to call another number that was invalid. 

I then tried to resolve my information online, but their website claimed my information was incorrect so I was unable to access any information or help. I tried calling a different number on their website to access their fraud department, but was met with an automated message that was entirely unhelpful. 

I called their customer support line again, explained the situation and how I needed to speak to a supervisor. The representative told me there was nothing they could do besides giving me the same number I had called before, providing me with no more help.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Dear United Collection Bureau Inc, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose : Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors : I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, 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 THIS ACCOUNT Late payment removal month of XX/XX/2021 ) XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXXXXXX : XXXX xxxxxxxxxxxxx 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 XXXX 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: Credit reporting or other personal consumer reports

XXXX XXXX ( XXXX ) - ( XXXX ) XXXX Dear TransUnion I am writing regarding my previous dispute, submitted on XX/XX/XXXX, about inaccurate information on my credit report. Despite my efforts to have the errors corrected, the matter has not been resolved. TransUnions act of negligence is damaging my credit report. This account is clearly still not compliant with Metro 2. This account is clearly inaccurate & incomplete, so how did you guys even verify this account. Now you guys are neglecting my character & intelligence. 
I am now submitting this second request for an investigation on the procedures XXXX used to verify this account or remove this account off my credit file : XXXX XXXX ( XXXX ) - ( XXXX ) XXXX ACCOUNT IN VIOLATION REMOVE THIS ACCOUNT Two-Year Payment History : ( XXXX ) TRANSUNION IS REPORTING NO TWO-YEAR PAYMENT HISTORY. 
HOW IS TRANSUNION REPORTING DATES AND STATUS, BUT NOT REPORTING ANY TWO-YEAR PAYMENT HISTORY? 
TransUnion : No History Reported XXXX : XXXX is going against their own Glossary of account conditions & payment status : Payment Status : ( XXXX ) This XXXXXXXX XXXX  Account is acting as a Charge-Off Account & Collections Account Simultaneously. Payment Status is Charge-Off on Report, but XXXXXXXX XXXX is acting as XXXX XXXX XXXX XXXX attempting to collect a debt as a Collection Agency too. 

Date Opened : ( XXXX ) ( XXXX ) DIFFERENT DATES OPENED. HOW ARE THERE XXXX DIFFERENT OPENING DATES REPORTING? 
TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX Closed Date : ( XXXX ) DIFFERENT CLOSED DATES TransUnion : XX/XX/XXXX XXXX : No Closed Date Date of Last Activity : ( XXXX ) ( XXXX ) DIFFERENT DATES OF LAST ACTIVITY. HOW ARE THERE 2 DIFFERENT DATES REPORTING? 
HOW DID TRANSUNION VERIFY THIS ACCOUNT, AND DATE IS XX/XX/XXXX? 
TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX Last Verified : ( XXXX ) HOW DID TRANSUNION VERIFY THIS ACCOUNT, BECAUSE THERE ARE MANY THINGS THAT ARE STILL INACCURATE TransUnion : XX/XX/XXXX XXXX : No Date Reporting Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate reporting of my credit information. If you believe the information is accurate, I request that you provide me with the following : The whole procedure used in your investigation to verify this account. 
Verification documents from the furnisher of the disputed information. 
If the disputed information can not be verified or is deemed inaccurate, I request that it be removed from my credit report in compliance with the FCRA.
Product: Debt collection

Tried to work this out with the company directly they declined through email and told me to deal with their lawyer so Im filing another complaint. It isnt the lawyers fault that portfolio keeps violating my consumer rights. Im getting the run around so whos responsible for the right violations? Portfolio will be held accountable for these violations. 


Dear Portfolio Recovery Associates, I am writing to formally request a review and adjustment of the late fees applied to an alleged credit card account, Portfolio account # XXXX in light of the recent rule finalized by the Consumer Financial Protection Bureau ( CFPB ) located straight from the CFPB website on XX/XX/year>. This rule effectively reduces the maximum allowable late fee from {$39.00} to {$8.00} by closing a loophole that had been exploited by large card issuers. 

I have noted that the alleged account has incurred late fees totaling well over {$500.00}, which I believe are excessive and inconsistent with the new regulations established by the CFPB. Specifically, I am requesting that the late fees charged be reduced to the new standard of {$8.00} or dropped completely as stipulated by the CFPB. 

I kindly ask that you review my account and adjust the fees accordingly. 

If my request can not be accommodated, I would appreciate a detailed explanation regarding the decision. Should I not receive a satisfactory resolution, I may consider filing another complaint with the CFPB, where I will seek additional compensation of up to {$1000.00}, in addition to the other substantial damages I have already faced. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, 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 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Their are " late payments '' that are on my account that are way too old to still be on their getting reported for certain accounts and i dont know why they are still on there. After contacting the creidtors they said they dont know why they still show either and its up to the credit bureau not them. Please delete them off my file XXXX. XXXX XXXX XXXX XXXX XXXX Late payment that shows from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : Date of Birth : XX/XX/year> Social Security Number : SS # : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Florida XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 


XXXX XXXXXXXX
Product: Student loan

I took out two loans from New York State Higher Education Services Corporation ( HESC ), one for the school year XXXX, one for the school year XXXX. I was allowed a forbearance for both loans for several years. When the loans came due, I contacted an HESC representative to arrange monthly payments. At no point did this loan servicer inform me that I had any alternative other than a payment that was close to half of my entire monthly income. I felt as if I was being pressured by a debt collector, not a loan servicer, and it scared me. There was absolutely no mention of any income driven plans to stay out of default. At that time I didn't know that an income-driven payment plan was an option at all. 

I could not afford the payment so I went into default. HESC moved quickly to get whatever money they could. They employed a debt collector ( Performant ) and pursued every legal angle. They took several tax returns. They took several partial payments from me from XXXX to XXXX with no accounting of them. Then they started to garnish my paycheck. At no point in my dealings with HESC was I offered an income-driven plan. 

I have since learned how to move my loans away from them, and am relieved to never have to deal with them again, but I argue that much of this debt would be paid off, and, quite frankly, I would have never gone into default in the first place, if HESC had informed me of my repayment options.
Product: Checking or savings account

On XX/XX/2022, Discover Bank closed my Checking and Saving accounts due to their claim of suspicious activity ' on the accounts but failed to provide me with any details of the activity in question. Discover did not send me an alert, nor any notification prior to them closing my accounts, which caused a considerable inconvenience in the delay in paying a credit card bill. Ive contacted Discover, and they can only disclose that my statements were closed due to suspicious activity on the charges and that management decided to close the accounts. At the time of the closure, I had a total of {$680.00} ( Checking : $ XXXXSavings : {$1.00} ). A representative told me that my funds would be sent to me in the form of a check ninety days after my accounts received a deposit, after XX/XX/2022. This inconvenience caused payment to be returned and my credit card payment to be reflected as a late payment, affecting my good standing credit reporting with the three credit bureaus. I attempted to resolve this issue via the XXXX XXXX XXXX but Discover failed to respond to the complaint ( case ID # XXXX ).