23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Filed an insurance claim on Homeowners for a plumbing leak on pool equipment which failed my pool deck. begin bid process XXXX 2014, submited to insurance which paid immediatly. Portion of funds went to NYCB, submitted all necessary documentation to NYCB, scheduled work to begin after a month of phone calls NYCB finally sent XXXX draw of 3k on 26k project, minimum XXXX draw requested by contractor is 30 %, weeks went by along with several phone calls and letters. contractor showed up to schedule and recieve XXXX draw, and rejected amount submitted by NYCB and declaired thier company wishes to not do business with me in fear of payment delays by my mortgage co, NYCB! Here we are in XXXX, XXXX months later and work is still not in progress, NYCB still controlling and dictating disbursement amounts for work to be completed. every call made, all you recieve is a different story, a request for different needs and or request of missing documentation. In speeking with my insurance company, they also have never had dealings with such a poor managed institution. We are not in risk of missing the window of oppertunity in the sale of our home, all due to the neglect an unethical business practices within NYCB. 
32k project today as opposed to the 26k a few months back, is expected to take 4 days from start to finish, NYCB request multiple inspections throughout process which i welcome, the 16k in which NYCB now holds in only half of what is required for this project, i am unable to submit supliment to insurance untill NYCB pays out the XXXX, this being said my family will end up paying more Out of pocket for an extendended amount of time all due to NYCB practices. Loss draft dept, is well trained at apoligizing and under trained in processes. why do i say this, because everyone you speak to tell you something different. NYCB is so behind time, they do not offer byweekly payments allow customers to pay down there note. choose wisely before considering NYCB
Product: Student loan

Hello, I would like to formally complain about how Navient is handling my student loans. I am very close to contacting lawyers to help me solve my issues as well. 

Loans in question are 2 private loans. 

Loan one - I took out on XX/XX/2007 for {$36000.00} I have always paid the amount that they give me as my minimum payment and have even paid OVER a time or two. I have deferred the loan a couple of times but only for a couple of months and at the very most 6 months total in time. I have paid into this loan over {$52000.00} to date. My loan balance as of today is {$41000.00}. I feel this is predatory and my minimum amount due should never be so low that my balance grows even while making payments on time. I have asked multiple times to Navient to lower the interest rate. I signed up for the loan with a rate lower than 6 % and it is now a 9.5 % rate and at times even went to a 10.5 % interest rate. 

Loan two - Is not as bad. I took this loan of {$12000.00} out on XX/XX/2007 and same as loan one have made the proper payments, may have been late a few times but always caught it up. I am a XXXX  so sometimes I don't have money and then others, I have a lot to catch up on things. But I have never been over 2 months late and never have had it deferred for more than 6 months total time. With making the payments that are set by Navient I have paid them {$16000.00} to date and my loan balance today is {$12000.00}. 

Two Loans were taken out totaling {$48000.00} in 2007, 12 years later and payments totaling over {$68000.00} and my current balance is {$53000.00}!! 

If this isn't predatory or illegal, I don't know.. This just does not add up. A company just collecting a debt should NEVER put out consumers like this. I can't afford a house and have put off a lot because of these loans only to find out that even paying what they say to pay is actually just making the balance increase?!!
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erronerously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XX/XX/XXXX, XXXX XXXX  I XXXX Balance : {$300.00}XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

Multiple unauthorized international transfers occurred from my account totally about XXXX. The bulk of the transfers occurred in XXXX. I notified Flagstar while the unauthorized transfers were occurring. Flagstar then denied my claim because the first transaction occurred more than 60 days from the time I make the report. The first 2-3 transactions were of amounts that I would not notice. Flagstar is hiding behind Regulation E - 1005.6 ( b ) ( 3 ) and ignoring 1005.6 ( b ) ( 4 ). 

In addition, the money was removed from my account using a card that I did not have in my possession, did not authorize anyone to use, and was unaware of at the time of the transactions.
Product: Money transfer, virtual currency, or money service

Someone is using my informations online to purchase items with XXXX through email I have a lot purchases to where my bank account keeps going in the negative and its affecting my credit I have proof
Product: Credit reporting or other personal consumer reports

I am distressed that this Bureau has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 an 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 ) ( a ) 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. I request delete the not authorized hard inquiries below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

When Covid hit my wife and I looked into mortgage payment deferral with Wells Fargo. She was temporary out of work. But we did not sign up for it! We continued making our payments and discovered we had Forbearance on our credit from Wells Fargo. We have since asked them to remove it and they have not stating they needed to do an investigation before they could remove it. This is unacceptable!!! We have never been late or missed a payment!
Product: Payday loan, title loan, or personal loan

We purchased a XXXX XXXX on-line in late XXXX of XXXX. It was delivered by Asurion ( delivery and repair agent for XXXX ) in early XXXX with both upper doors damaged. Over the next 2 months XXXX stopped by 4 times before the appliance was acceptable. At first the upper doors delivered were to another model. Next both doors shipped were for the same side. Next the other door arrived and was installed correctly, but while XXXX removed the shipping tape, the freezer door finish was damaged. Finally, in early XXXX, a new freezer door arrived and the XXXX was accepted by us. XXXX in XXXX  XXXX should be able to verify this information. https : //www.asurion.com/repairs/appliance/ At that time, I set up payments for {$1700.00}, starting in XXXX, in my online banking account at XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XXXX ) based on the Shipping & Billing sheet ( attached ). The automatic payments of {$150.00} were set to pay at the end of the next 11 months with a final payment of {$110.00} to be paid the XXXX month.A copy of these transactions by XXXX Bank is attached. 

I have received some statements from XXXX XXXX but I have been unable to make sense of them. I have sent, therefore, similar information contained in this email to TD Retail services at least twice using the reply mail envelope enclosed with the statements. I have never had a response. 

I have called XXXX XXXX at least 8 times over the past 2 months. The automated telephone system doesnt work well. It wants you to pay the bill and doesnt give you an operator or real person option. I finally discovered a phone number XXXX where I could talk to a person. I was told to use myonlineaccount.net and that I needed to fill in a Dispute form. 

I established my online account and began exploring the online information. The dispute form was very difficult to find, with no direct links to it. Somehow, I found the dispute form and it is attached. 

I could not use the on-line system to review statements. It simply would not link to the PDFs. I was able to access monthly transactions by retrieving each month separately from the system not very user friendly. I have summarized them in a transaction table attached. 

This table contains {$100.00} in late charges, {$290.00} in deferred interest charges and {$14.00} in actual interest. These total {$410.00}, differing from the total due online of {$430.00} by {$20.00}. 

Finally, the on-line system does not appear to balance with the billing system.
Product: Credit reporting or other personal consumer reports

This collection agency placed this on my credit report and they have never sent a bill to me, reached out to me or responded to any of my requests that I have this account. No proof. I asked the credit bureau to remove it and have told them for over 2 years this account is NOT mine and I have no knowledge of it and no one from the credit bureaus to the collection agency will show me the validation of this account.
Product: Credit reporting or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on Experian Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Product: Credit reporting or other personal consumer reports

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a XXXX XXXXiolation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any XXXX from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Product: Debt collection

Never heard anything after move-out, balance XXXX when i gave forwarding address. Pictures taken and professional cleaning and repairs done. XXXX  year later I recieve a call from debt collector with no knowledge or contact from management company. Collections agent was so rude and disconnected call but couldn't provide proof of debt or anything in writing explaining debt owed or amount. 
Attempted to contact landlord, wouldn't return my calls or take them nor could office staff explain anything on the matter. 
Continues to show up on my report in collections and negative impact. NO CONTACT from anyone.
Product: Credit card

Apple card services/Goldman Sachs reports an account on my credit report as closed but that I still owe a certain amount. Its been closed with a " profit/loss '' status. Do they have to report this to the IRS, if so, am I supposed to receive a XXXX? with a " profit/loss '' status is this still supposed to be on my credit when they were able to write this 'loss '' off?
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. XXXX XXXX XXXX., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FCRA THESE CREDITORS HAVE VIOLATED MY RIGHTS UNDER : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS. LASTLY UNDER 15 USC 1666b A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT ON AN OPEN-ENDED CONSUMER.

PLEASE DELETE THESE ITEMS FROM MY CONSUMER REPORT.
Product: Money transfer, virtual currency, or money service

I called Block , Inc on two different occasions due to my account being hacked twice for {$700.00} on XX/XX/XXXX and for {$700.00} on XX/XX/XXXX. Nothing has not been done or the money returned to me after being told on the phone call that the money would in-fact be returned to me.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX
Product: Credit reporting or other personal consumer reports

I believed the economy was in a downturn, but upon reviewing my credit report, it's evident that my situation is far worse. The report is riddled with inaccuracies that are causing me XXXX  XXXX. I'm determined to assert my consumer rights, but it's disheartening to navigate this ordeal, especially knowing I can't even afford to see a XXXX  due to the low credit score caused by these errors which is making me XXXX.
Product: Mortgage

Dear Sirs : My name is XXXX XXXX. I live/own at XXXX XXXX XXXX XXXX in XXXX, CT, XXXX. I have a XXXX yr. fixed with SLS. Loan # XXXX. As you can see from my XX/XX/XXXX letter to SLS, they have made terrible errors when performing the annual Escrow Analysis.

As a result of these significant errors in their Escrow Analysis over the past two years, my escrow balance is now short by {$16000.00} and they are pursuing Foreclosure. 

This problem was identified back in late XXXX of this year when I received a phone call from them to tell me that my next payment ( due 5 days later ) was now going to nearly double the amount I normally pay each month. The representative who called actually identified the escrow problem while on that call and asked me to put together a summary letter and gather all documents and send it to them. After sending documents and making many attempts to speak to someone in the Escrow Department, no one from SLS has ever acknowledged my communications or spoken with me regarding a resolution. 

When I called the XXXX number for an email address to send documents to, I was directed only to XXXX. There is no email for the Escrow Dept., however I do have proof that my letter and documents were received via an automated email response. 

I was able to get a number for the Escrow Department ; I kept calling but got recordings saying " the department was in a meeting and someone would call back ''. 
Every month since XXXX of this year, I receive a collections phone call saying that mortgage is overdue, even though I continue to make payments. On each and every phone call I get, I ask to someone in the Escrow Dept. and a person can never be reached. 

As recently as this past Friday, XX/XX/XXXX, the collection agent said " the Escrow Dept. doesn't do phone calls '' but then proceeded to say that someone tried to reach me on two other occasions ( he named the dates XXXX but " they don't leave messages ''. When I insisted on speaking to someone ( other than the collection agent ), he said he would have someone that the department call me at XXXX EST, when I took my break. No one called. 

Please see the attached documents and communications to SLS. It chronicles all of the activity and errors over the past two years. In my communications to them I have asked, since they caused the Escrow Analysis errors, for a reasonable and affordable resolution to make up for the shortage over time. I do not have funds to pay the shortage all at once. I can not afford a monthly payment of {$4800.00}. I do not feel that I should have to refinance and be subject to additional late fees, negative credit reporting, and penalties because of their errors. 

Could someone please help me resolve this quickly. I am panicked and feel helpless since there is absolutely no effective way to communicate with SLS! 

Thank you. 

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

In accordance with the fair credit reporting act conversion account numbers- XXXX, XXXX, XXXX, XXXX ( XXXX XXXX XXXX ) XXXX has violated my rights.15 USC 1681 section 602a states I have the right to privacy, 15 USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish your account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following errors contained in the consumer reports provided to them by your bureau are causing lenders to take adverse actions against me..
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX, Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of a Student Loan account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX, a loan account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ) I do not recognize the aforementioned accounts, or hard inquiries as reported. 

The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

On two separate occasions greentree/ditech has charged late fees for checks I mailed for payments on a mortgage. The checks were mailed in envelopes provided by the mortgage company ( ies ) and included the company invoice. The checks were not credited until welll over two weeks after they were mailed. This is certainly frustrating since other payments to other mortgage companies mailed at the same time were credited within a few days. Ditech must need to update their processing as they ca n't possibly be holding these checks without reason. 

Addtionally, they sent out a very confusing escrow account summary which is difficult to understand. The escrow payment now being charged is almost equal to the principal payment. Upon being questioned, they told me I would have to wait a year for a new reconciliation. This one I have does not explain the need for additional payment.