23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/XXXX we did a FHA streamline refinance with Nations Direct Mortgage. The impound waiver was not waived and per the final loan closing disclosure, XXXX settlement statement and homeowners policy declarations an escrow impound account for homeowners insurance was to be established and managed by Nations Direct Mortgage. However, Nations Direct Mortgage failed to properly establish and manage the homeowners insurance escrow impound account and in XX/XX/XXXX the homeowners insurance policy renewal was canceled for non payment. We were not aware of this error until we contacted our presumed homeowners insurance company on XX/XX/XXXX. We then immediately contacted Nations Direct Mortgage customer service support and they stated that no homeowners escrow impound account was ever setup for us and they will need to view our final loan closing disclosure and for us to call back in 2 weeks. In the meantime, we have been trying to secure homeowners insurance on our own, but have been unsuccessful. We have applied for quotes and policies for over a dozen insurance companies, but have been denied due to our property being located in CA or from previous home history.
Product: Credit reporting or other personal consumer reports

Please eliminate these questions. I have no information about them, and the company proceeded without my approval.
Product: Mortgage

On XX/XX/year>, I submitted a Financial Hardship Application to my mortgage lender, XXXX XXXX XXXX XXXX XXXX XXXX XXXX request a short extension of my previous Forbearance. After unfreezing my XXXX credit report on XX/XX/year>, my mortgage lender confirmed via mail that all has been received to process my application, with letters dated for XXXX. On XX/XX/year>, I received a Notice of Default letter dated XX/XX/year> ; and after speaking to the Loss Mitigation department, the NOD was entered on my property and loan on XX/XX/year> -- which is a violation of the California Dual Tracking Ban per the Homeowners Bill of Rights. After speaking with XXXX managers in the Loss Mitigation department, none of them have been able to confirm the removal of the NOD, as they have stated that it is protocol '' to enter the property into pre-foreclosure while simultaneously reviewing a completed Financial Hardship application.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and address the numerous inaccuracies and violations in my credit report that undermine my trust in your organization and violate federal laws, including the Truth in Lending Act ( TILA ), Fair Credit Reporting Act ( FCRA ), and Fair Debt Collection Practices Act ( FDCPA ).
Product: Mortgage

I have made XXXX significantly sized payments, $ XXXX each, on the mortgage company 's website specifically indicating that the payments were to be applied to the principal. However, in XXXX instances the payment was applied as 'unapplied cash ' and did not reduce the principal of the loan. Thereby, the interest being accrued daily is overcharging me. 

On the first instance of the payment I contacted the mortgage company and was advised it would take a day for the amount to be reposted correctly. It did not. Instead it took four days of my checking and persistent calling for the large transaction to be correctly applied against the principal of the loan. Hence, an incorrect calculation of the daily compounding interest went on for four days. 

I advised mortgage company at that time I was going to make another payment against the principal. Same outcome. The payment was applied to 'unapplied cash ' and not to the principal of the loan. 

In light of these transactions it can only be concluded that there is a systemic problem with Freedom Mortgage company and how they incorrectly handle principal only payments. They do not apply these payments correctly and the debt holder is the one that bears the brunt as they have an over calculated daily interest amount owed. If it had not been for my repeated follow up, I do n't think the payments would have ever posted against the loan principal. How many other consumers may be have had the same issue but did not realize the mortgage company 's improper book keeping that accrues interest in their favor? 

An authority really needs to review how this company conducts there business as I suspect there are many others that have had interest over charged on their loan.
Product: Student loan

I have two federal student loans, one subsidized and the other unsubsidized. Each of my payments for the last 20+ years has been automatically distributed between the two loans. I am not able to adjust the distribution. I finished paying off the subsidized loan several months ago. Since then, the auto allocation has continued, leading to a negative balance of {$170.00} on the paid-off loan. ( screenshot of negative balance is attached ). 

I have tried contacting Mohela about this repeatedly. I can not reach anyone capable of dealing with it. I have waited an hour plus on hold multiple times. Once I get through to a representative I am told that he/she can not handle this type of issue and it has to be elevated. The wait time for the " elevated '' representative has never been less than 3 hours. I can not wait on hold for three hours during work hours. I have tried the option where they will call you back each time. I have never received a call back. 

Today I decided to pay off the pay off amount on the remaining loan ( {$560.00} ) ( screenshot of payoff amount attached ). For some reason, Mohela added the amount of my negative balance ( - {$170.00} ) and took {$740.00} from my account ( email confirming payment attached ). I assume that the loan is now paid off, but I'd really like the additional {$350.00} that Mohela has stolen from me back, with at least 4.7 % interest ( my interest rate for the last 20+ years ).
Product: Mortgage

I have been attempting to obtain a partial claim or deferred solution for my past due mortgage payments to the lender, since XXXX of XXXX. I was forced to retire from work early and unexpectedly due to health reasons. At that time, and currently ; I am on XXXX XXXX  and social security XXXX. I explained to the mortgage company that I was having an issue with obtaining my scheduled XXXX payments. I was looking for a resolution to eliminate my past due mortgage payments and continue with the current payments. I did have a previous loan modification due to my loss of employment. At that time it was not known that I would not be able to regain employment. I did pay that trial period amount and modification as agreed. My intentions was to attempt to work with the lender on remaining current with the previous loan modification. I forwarded the requested documents for a new loan modification and was told all documents were received. The lender 's response at that time was it would be forwarded to the underwriting team, but to allow them up to XXXX work days for a response. After that time period expired and I didn't receive a response, I initiated communication with the lender on what their intentions were. Their response was since I had a previous modification that I was not eligible for another one. I was not notified of any type of made decision before I reached out. We were able to agree on once again submitting for another loan solution. The payment amount for a trial period was not doable and I explained that now that all this time had passed, my payments are getting further and further behind. The bottom line in this whole modification attempt was from day one, for me to be able to continue the current monthly payments, and hopefully defer the past due amounts. I then got HUD and VA involved and all I am hearing from the lender is we really don't have a lot of options to work with. Currently as of XX/XX/XXXX and once again only because I initiated communication, I was told that I was approved for a trial period that was due XX/XX/XXXX. Not only was I, once again, not notified of any decision, the requested monthly amount is higher than the last one. The lender representative stated that forms and paperwork would be forwarded to me for approval or disagreement, via email or overnight mail. I still have not received any communication. The new decided amount is not doable either, and I am not understanding why a better and/or a more sensible solution has not been offered. I am making all attempts to remain in my home. I do not want to become homeless simply because of my unforeseen health issue, put me in a financial strain, and my attempts to remain in my home not solvable, especially since I initiated and notified the lender of my situation immediately as it began to occur
Product: Credit reporting, credit repair services, or other personal consumer reports

I show that all credit reporting companies are putting the credit run by my existing accounts to verify credit if it get increased or there normal check up shows up like i asked for a new account. 
I have had my loan for home be bought out 3 times now. I show XXXXr on my account now twice that is normal because they purchased the loan that is not me checking for new credit. It was XXXX now XXXX XXXX that has my morgage, Experian : It was run on XXXX/XXXX/XXXX and XXXX XXXX so that is normal for a home lender. Please tell them i should not have this against me. 

Also i have XXXX XXXX XXXX account i have had a long time. They moved over my accounts and merged the total on some to increase XXXX card that i use to higher total. I now have XXXX XXXX XXXX on their too. XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX. Existing accounts. 

XXXX XXXX - I have no clue who this is but i have a feeling since it is the same date as XXXX XXXX this is the same thing on my file showing pulled credit. 

XXXX XXXX These are the same people and i do n't recall them asking to pull credit. 

Who is this and i have no clue who it is? XXXX XXXX : They have the exact stuff XXXX XXXX and XXXX XXXX XXXX please resolve and take off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Few Months ago I moved into a new home and I Updated my mailing address with every one, on XX/XX/2018 around XXXX XXXX I received a call I have a past due account on XXXX XXXX which I do not use that often I did explain I just moved to a new address and I never received a bill or statement from XXXX I provided them with my address I asked for a copy of the statement to be mailed to me I asked not to put me on paperless statement. 
I thought the problem was taking care off. 
till my wife found out they are reporting her being late on the payment for more than 60 days and they are reporting me as well. 
we contacted them we asked them to remove the wrong false information about my wife as she is not the owner of this card she did not use it and the charges do not belong to her they decline our request they inform us they are allowed by law to do that but they did not share which law they are talking about. 
I explained to them it seems as they did not send the statement to me I explained to them that they contacted me on XX/XX/2018 I paid over the phone to make the account current and I was waiting for the hard copy statement to check the charges i questioned them why they collected payment from me and reported me the same day me and my wife. they said because maybe the payment took more time to post to the account!!! 
I paid them over the phone so the account could become current and I avoid any late charges or any problems but they still reported me late on payment which reduced my credit score more than 40 points and that will cause me and my business too much harm. they refused to remove the wrong reported information, I paid the account in full over the phone I closed it and I asked them to remove negative information about me and my wife they declined our request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed  XXXX   XXXX  a number of times with   XXXX   Transunion  XXXX . None of them have done a full investigation. I have requested a FULL F ULL FULL investigation. I demand that a FULL investigation be done as to every aspect of this account. All original signed documents a FULL investigation I demand that the results be made available to me within Five days. This needs to be expedited, all   XXXX   CRA are in violation of the law. Please forward this to FTR and all governing agencies. I have made this compliant to the CFPB previously. I plan on taking legal action my civil rights are being violated in addition to at this pointe being a willful act to c ause me harm.
Product: Credit card or prepaid card

I took out two ( 2 ) loans with Synchrony Bank for a musical instrument for my daughter. I set up the two accounts in my XXXX XXXX XXXX online bill pay. I set up the account online after authorization and was total the both accounts required payment in late XXXX ( I believe XX/XX/XXXX ) so I set both accounts to make payment on XX/XX/2019 ( Loan # 1 - $ XXXX/mo and Loan # 2 -  $ XXXX/mo ). 

For each account, payments where made in XXXX. I started receiving calls in late XXXX. I sent two payment in XXXX and the calls continued. I travel extensively and thought the payments are going so not sure what occurred. I get marketing materials via email ... .my payments continued. 

Finally, I look at my snail mail and see - You are delinquent. My fiance calls to understand what is going on and Synchronicity Bank says, " You have to have your fiance on the call since the loan is in his name ... '' but the loan is in her name as well. They refuse to discuss the issue with her. 

Finally, I call with her and here is the story line - for the {$180.00} cent loan, you owe {$270.00} to put the loan back to good standing. Ok, I disagree, but I don't want to argue over this amount. I asked, can you fix the credit reporting. They said that I was delinquent. I explained that I made payments ... and you guys were the ones who started this off wrong to begin with ... do you see that I am making payments. 

Then the focus turns to the $ XXXX/mo load. You owe $ XXXX+ dollars. For what? Fees. Why is the other loan not taxed with fees. Its the same loan with higher principle. Right. Yes, but your payment of $ XXXX/mo is less. Its less because the principle on that loan is less. Correct? Yes, but you are delinquent. First, I am no more delinquent than on the larger loan. Second, that makes no sense what so ever. Please explain. There was no explanation, just pay the fees. Finally, I asked what is the full payment of the loan and I sent that amount in. 

The failure was that at no time could anyone explain what occurred or how the fees were different. Or more importantly, why there were tagging my credit. 

I am absolutely positive this is a practice by Synchrony Bank that others are experiencing.
Product: Mortgage

I have a mortgage with Freedom Mortgage. In XXXX of 2020 Freedom Mortgage refinanced my existing mortgage with them to a new rate. Upon completion of the refinancing process, Freedom Mortgage did not file the Deed of Trust with XXXX County. I am currently trying to complete a refinance of my current mortgage with another mortgage company. In the process of completing the Underwriting for my new loan, it was determined that there is no record of my current mortgage. I have reached out to Freedom numerous times to try to resolve the issue by having them file the Deed of Trust. My most recent interactions with them have been met with Supervisor and Rep level contacts hanging up on me, in one case as soon as I explain the issue. This delay and unwillingness of Freedom Mortgage to resolve this issue will likely result in my loss of the rate lock and thus cost me several XXXX dollars over the course of my mortgage. Further, Freedom has been holding escrow from my loan and show that they have paid property tax on the property, however, without a Deed of Trust on file I don't believe they are actually paying the taxes, since the County wouldn't collect on a property that isn't registered in their system.
Product: Debt collection

I had an ATT  account for internet only that was placed on hold in XX/XX/XXXX due to having to move aburptly. ATT  described the hold as having a small payment ( approximately {$17.00} ) until I could install the internet in my new location. I moved into my new location in XX/XX/XXXX after living in hotels and my car. I moved to an area and an apartment that ATT  did not service. ATT  advised me that they did not service that area therefore I returned their equipment but continued to be charged until XX/XX/XXXX. I spoke to approximately 3 representatives and a fraud manager but found this account in collections for {$100.00} for the months that I had XXXX internet and was paying for XXXX internet from XX/XX/XXXX until XX/XX/XXXX. I began to receive calls for debt collections in XX/XX/XXXX and found these charges on my XXXX XXXX  report from I C Systems on behalf of ATTXXXX for {$100.00}. These charges were disputed at least 3 times and resolved. Recently, charges have appeared again from XXXX XXXX XXXX on behalf of 11 ATT for {$100.00} for an account opened in XX/XX/XXXX. Completely not true. I had XXXX internet service at that time and never opened any other account with ATT. I have filed another dispute resolution in XX/XX/XXXX.
Product: Credit card or prepaid card

Equifax has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Product: Money transfer, virtual currency, or money service

Bank : JP Morgan Chase Used XXXX to accept payment for XXXX XXXX XXXX advertisement. 

Buyer wanted to UPGRADE XXXX Account to a Business account the cost was 2 transactions of {$400.00} and {$600.00} respectively. To be reimbursed. The Third payment was {$1000.00} which I did not make. 

I paid using XXXX. I did not get the money back or my money for purchase of the furniture listed on XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX To : Toyota Credit Research Team, Account number : XXXX Ive been approved for two payment extensions for my XXXX Toyota XXXX beginning XX/XX/XXXX. Since then I have signed the agreement and mail it out to the address on the agreement Toyota Motor Credit XXXX. XXXX XXXX XXXX XXXX, IA XXXX. I Waited a week and contacted Toyota about the status of the extension since I didnt see it reflected on my Toyota account. A representative stated that they didnt receive the agreement that I mailed in so I refaxed the agreement again. Call again and another representative stated that the fax wasnt received and the extension had expired. They emailed me out a new extension agreement on XX/XX/XXXX. I continued to faxed the agreement several times to the number ( XXXX ) XXXX, Spoke to several representatives all of them gave me the same response, stating they never received the fax so I spoke to a supervisor and she advise me to fax it again and they would honor the last two extensions. Since then I have fax it total of 10 times it was costly and time consuming at best. This has cause severe damage to my credit rating and credit report. It has caused a string of late payments to my credit report. I am asking for those late payments to be adjusted due to the extensions that werent honored from XX/XX/XXXX the negative marks from XX/XX/XXXX on are incorrect
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 XXXX XXXX. 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
Product: Credit card

Response to Closed Complaint ( Ref : XXXX ) Request for Goodwill Adjustment on Citi Best Buy Credit Card To Whom It May Concern, I am writing in response to a previously closed complaint regarding the sudden and unjustified closure of my Citi Best Buy credit card account. The reference ID for my original complaint is XXXX. While my previous complaint was closed, I am requesting a formal reconsideration and a goodwill adjustment due to the severe negative impact on my credit score and financial situation.

Background : My Citi Best Buy credit card had a credit limit of {$7400.00} with a balance of {$9200.00} at the time of closure.

- I have never missed a payment or been late on this account. 
- The account was closed without prior warning despite my consistent responsible financial behavior.

- This closure has significantly impacted my credit score by increasing my credit utilization ratio.

- The closure was a direct result of XXXX and XXXX closing my other accounts, creating a domino effect that I had no control over.
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking over my credit report and notice there were fraudulent accounts that doesn't belong to me and never authorized any contracts and business with these companies.The following accounts are listed 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 XXXX XXXX XXXX  # XXXX
Product: Credit reporting or other personal consumer reports

I requested the method of the Bankruptcy verification with experian on XX/XX/2024, for an item disputed under the fair credit reporting Act 611 15 USC 1681 i, the source ( s ) of information used to verify disputed information, documentation, and evidence supporting the verification process supporting the verification, and detail explanation of your verification process, on XX/XX/2024 Experian responded and it had been verified, no other explanation. I gave them supporting documentation that the US BANKRUPTCY COURT XXXX DOES NOT VERIFY, OR HAVE A RELATIONSHIP WITH ANYONE TO VERIFY ACCURACY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. DEPTEDXXXX   XXXX {$430.00} DEPTEDXXXX  XXXX {$3500.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$14000.00} XXXX XXXX {$1600.00}