23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I worked with XXXX XXXX and others at Freedom Mortgage on refinancing my mortgage on an investment property in XXXX, TX earlier this year. I was told throughout the process that I would not be paying any points on the mortgage. In the very last couple of weeks, after *months* of working to making the refinance happen, getting the appraisal done, sending lots of paperwork, etc., they told me that I have to pay {$1000.00} in points, and if I don't like it, too bad. I complained and was told too bad, sorry. Given how invested I was at that point and that my other options I had looked into were gone, I went ahead and paid them to get it over with. I filed a XXXX complaint in XXXX. They eventually paid me {$500.00} of the {$1000.00} owed but are refusing to pay the rest. The XXXX complaint is ongoing. They keep making different claims, without proof, about how I caused delays in getting the refinance done, and I keep providing proof to the contrary, including emails and documents from their representatives recognizing and showing that they are at fault for the delays with the refinance. 

From the beginning, they told me verbally and suggested by email that the points would be on the Loan Estimate because I haven't yet shown via appraisal that I have 25 % + equity, but once I do, there would be no points. 
An early email : Me, in email to XXXX XXXX, Loan Advisor with Freedom Mortgage ( NMLS # XXXX ), on XX/XX/2021 : " The documents do show points/fees. Just to confirm, if my equity in the property is over ~22 %, I won't have to pay those points/fees, correct? '' Her response via email : " In regards to your first question if your home is 25 % or more in equity the points would be adjusted yes. '' Throughout the process, they would constantly acknowledge over the phone that they will/should remove the points, but avoided it in writing. I have copies of many many emails I sent specifically about the points that they simply ignored to minimize the paper trail of what they were doing. 

Late in the game they did acknowledge it in an email but then did not follow up : An email from XXXX XXXX ( Freedom Mortgage representative ) to XXXX XXXX, XXXX XXXX ( I believe XXXX 's supervisor ), and myself : " I spoke with Mr. XXXX and he was initially told that there would be no points being added to the loan. Are we removing those points? He is set to close on the XX/XX/XXXX. Can you please advise if when can proceed. " I sent at least *6* follow up emails asking for a response, but they never responded in the email thread.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX and Explained that most of my account are listed as past due and negative although a Chapter XXXX Bankruptcy was filed in XX/XX/XXXX and Converted to a Chapter XXXX in XX/XX/XXXX. The accounts were updated as negative and Charged off since XX/XX/XXXX. Resulting in my account noting 34 past dues and negative status These accounts should've been noted once and not noted for every month since XX/XX/XXXX. 

I need all of these errors and unverifiable information and error deleted from my files. XXXX accounts that were duplicated and fraudulently opened.
Product: Credit reporting

Submitted a request for Transunion to verify and/or delete accounts, however I have yet to receive a response. 30 days have passed.
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 erroneously 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 Date Opened : XX/XX/XXXX Balance : {$4300.00}XXXX XXXX XXXX XXXX  XXXX Opened : XXXX. XXXX, XXXX Balance : {$0.00}, XXXX  XXXX XXXX, XXXX XXXX Opened : XXXX. XXXX, XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00}, and XXXX XXXX  XXXX XXXX Date Filed/Reported : XX/XX/XXXX Asset Amount : {$0.00}.
Product: Credit card or prepaid card

Balance XXXX ; LAST Contact was today where I was informed of their offset after the fact. XX/XX/2023. 

XXXX XXXX is the business account ending in XXXX XXXX card business as I obtained a business credit card; used it paid for 4 years at users rates. I couldnt pay XXXX ruined our business. I called them and told them I could pay XXXX a month till it was paid off. They said XXXX I tried but I am Paying this from my w2 income I work 11 hours a day for. I couldnt pay ; I was told they would charge it off if I missed toe pYemwbts. I got calls from the bank I said I just cant pay and when I can I will. Two days ago with no notice the bank withheld the amount of the credit card from my business bank account. I called today was told that they cant reverse it. I explained that money in the account is the capital account of the other partner and I would have to pay it back to him. I was never advised that there was a right to offset with Wells Fargo or I wouldnt have obtained the card. I was told the only way to negotiate a payment amount less than the full amount was to be delinquent multiple months. I was set up to become delinquent thinking it would give me leverage but it was all so they could offset. I was told they could offset my personal accounts. They have taken the XXXX from the bank account with no prior notice ; no judgment etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information XXXX XXXX XXXX is reporting is inaccurate and its invalid. They are showing account open account when it was closed as of XX/XX/2017. The car has been repossessed ... I have sent 3 letters for them send written validation of the debt ....
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans that have been rehabbed are being report twice on XXXX  and Experian. Exact same loans one showing current the other showing close derogatory. The is wih XXXX XXXX XXXX. So its 12 on each report. Experian will not let me dispute this at all because I dispute back in 2017 about the amount owed.

This problem is sinking me. I need help. Other than this my credit is in very good shape.
Product: Credit reporting or other personal consumer reports

Several accounts show a continuous high balance even after making punctual or early payments. For example, TransUnion displays that a credit account has maintained a balance of {$13000.00} from XX/XX/XXXX to XX/XX/XXXX. The following accounts also show a balance of {$3600.00} from XX/XX/XXXX to XX/XX/XXXX, {$2000.00} from XX/XX/XXXX to XX/XX/XXXX, and {$2900.00} from XX/XX/XXXX to XX/XX/XXXX. I have corrected the issue with the other two credit bureaus ; however, I can not have it corrected through TransUnion as they will not investigate the issue further. The reports incorrectly indicate that I am a habitual high-spender who maintains a high balance of credit accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report, I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

The American Express Company XXXX Business Credit Card has just begun to process all payments made by or from non-business ( i.e. personal ) checking accounts by XXXX and not XXXX and does not provide any opt-out or alternate method of payment whereby payments are processed by XXXX or otherwise provides for an image of the check used for payments. This violates XXXX. I am asking for you to enforce this law on American Express and require them to provide a method to process payments by XXXX and not by XXXX conversion, so that the check issuing institution will receive an image of the processed/cancelled check for me to obtain for my records as provided for by law. ( The legal " Substitute Check '' image. ) Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid my state tax bill and it shows as a lien on my and my husbands credit report. 

XXXX XXXX XXXX XXXX Paid XXXX XXXX 2016 Lien # XXXX Acct # XXXX Amount paid in full XXXX
Product: Debt collection

There are 2 Georgia State Tax Liens on my credit report for XXXX and TransUnion and they are incorrect. 1. Reported XX/XX/XXXX Georgia State Tax Lien in the amount of {$2500.00} and 2. Reported XX/XX/XXXX Georgia State Tax Lien in the amount of {$5600.00}. As displayed on the most current Georgia Delinquent Taxpayer list, my name is NOT on this list. I do not owe this money. Please have these 2 liens removed from the XXXX and TransUnion and XXXX Credit Unions.
Product: Payday loan, title loan, or personal loan

The company First Heritage Company, garnished my wages at my previous employment for a period 6 months. The garnishment was satisfied and I got the account removed from my credit report. They are attempting to re-garnishment my wages, without properly notifying me nor sending me any sort of statement of what is owed if the balance was not satisfied. This company is located in XXXX, Tennessee. I have located the county clerk office who will be giving me a copy of my garnishment paperwork showing the judgment has been satisfied.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates 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 an 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: 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 right to privacy and confidentiality under 15 usc 1681 : There are accuracy and completeness : Accounts XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 usc 1681 sec.602a state I have the right to privacy 15 usc . 1681 sec.604 -2 It is also state a consumer reporting agency can not report any thing without my written instructions 15 usc 1681s ( 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 importation in inaccurate.

15usc 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause cause to believe that the information is inaccurate. 
You have a grave responsibility with fairness. I not only want fairness but also equity.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the removal of inaccurate information from my credit report. I have attached a copy of my credit report. The disputed account in question is related to XXXX XXXX with an account number XXXX Under the Fair Credit Reporting Act ( FCRA ), it is mandated that credit reports be accurate and consistent. As of my review, the information reported by your agency is neither accurate nor consistent. The primary concern is the discrepancy in the " Last payment date '' for this account as reported by each of the three major credit bureaus : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never entered into contract with this company and requested proof but never received. I need this information verified. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  NJ XXXX XXXX XX/XX/XXXX Correspondence Address : Dept of ED / Nelnet XXXX XXXX XXXX XXXX, XXXX XXXX Payment Address : Dept of ED / Nelnet XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Debt Validation Request Account Number : XXXX, {$2100.00}, XX/XX/XXXX. 
XXXX, {$1500.00}, XX/XX/XXXX. 
XXXX, {$6100.00}, XX/XX/XXXX. 
XXXX, {$3600.00}, XX/XX/XXXX Creditor Name : Nelnet Original Amount : {$13000.00} Date of Debt : XX/XX/XXXX XXXX
Product: Credit card or prepaid card

To Whom it may concern : I sent you a written request to validation for debt on File No. XXXX for XXXX XXXX. 

Be advised that pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) I disputed their claim and requested validation. 

Jenkins &. Young never provided validation made pursuant to the above named Title and Section. 

Consequently, any negative information must be removed immediately pending validation! 

XXXX XXXX
Product: Credit card or prepaid card

My card had fraudulent charges for the following : XX/XX/2022 - XXXX XXXX - XXXX XX/XX/2022 - XXXX XXXX XXXX - XXXX XX/XX/2022 - XXXX XXXX - XXXX XX/XX/2022 - XXXX XXXX - XXXX I first contacted XXXX. They said they couldn't help me because these charges are not on my XXXX account. 
I have contacted Barclays ( credit card company ) 3 times regarding these fraudulent charges, requesting specific documentation they claim they received from the merchant to prove the charges were mine. I have also included entire details on my XXXX transactions to Barclays showing them that the charges are not mine and not on my XXXX account. The credit card in question has never been linked to my XXXX account. Barclays response every time is their same standard form letter stating that they received documentation from the merchant verifying the charges as mine. I've requested copies of the actual documentation and they refuse to provide it. These charges are not my charges. They are fraudulent charges.
Product: Credit card

This complaint is about HSBC handling dispute. 
After months fooled by a merchant XXXX, and the dispute is not working. I decide to get help from XXXX government. So I have report this fraudulent activity to " XXXX XXXX XXXX '' in XXXX. The XXXX forward my report to XXXX police department. After the police department investigating the matter and they found I was frauded by XXXX. I have received a report from XXXX XXXX XXXX XXXX and I forward this report to HSBC dispute department. To My surprise, HSBC still want to get a word from XXXX that they are going to credit back the money to card before HSBC can do something to continue this " dispute ''. To me, it is just not make any sense, this is not a normal business activities, it is crime, XXXX promise to sent back the money back to me, many time, in email and over the phone, They just do n't do it. I really want HSBC do something to get my money back to card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did an credit check they said that I might be in a case of fraudulent
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review these accounts ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or remove the listed incorrect information on my credit report. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Mortgage

I paid off my mortgage with First Franklin Financial Corp. I sold my house and title company is holding my money because First Franklin failed to file satisfaction of mortgage.
Product: Money transfer, virtual currency, or money service

I sold my property on XXXX XXXX ( this is the date XXXX using because my check for {$12000.00} was dated for this day and I know for sure I didnt attempt settlement on XXXX XXXX because I received an email from the Buyers, XXXX advising me it was moved from XXXX XXXX XXXX XXXX. My spouse on the other hand received an invitation regarding settlement on XXXX XXXX, I have a signed document dated for XX/XX/18 with his signature on it, I have wire instructions from our realtor to my spouse asking him about how he wanted his money wired to him .. me however, received XXXX email from the buyer that settlement was moved and I also received something on XXXX XXXX that settlement was canceled on XXXX XXXX and I also have an electronic signature dated for XXXX XXXX so XXXX not sure who stole my proceeds from the fraudulent scam that involved so many people. XXXX not sure who impersonated me on XXXX XXXX settlement and Im not sure how much is owed to me because I know I was promised {$75000.00} amd I only received {$12000.00} but considering that fraud occurred- I am assuming that the stakes are much higher now. I am asking your help with the following things. First and foremost- I am asking you to help me bring the individuals that robbed me blind and conspired against me In an effort to steal and make my family homeless - help me bring them to Justice and possibly put them out of business for their malicious, premeditated fraudulent scam that was well thought out!! I want to make sure that ko family ever has to experience what mine has. XXXX help me find my wire transfer that is most likely in my name since I was the owner of this property for more than 20 years. XXXX help me get them to return my title because they dont deserve it. I currently have the following officials working on an investigation for meXXXX XXXXeal Estate Commission, Dept of Investigation and Enforcement XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also have the Attorney General conducting an Insurance Fraud Investigation , I also of the Department of Banking conducting an investigation relating to my mortgage that was possibly never paid off. 
I have alot of evidence that I collected over the years and I can provide you with this to back my allegations. There may be family members involved that I live with currently but I do not know who has jurisdiction over my dad, sisters, brother in law. I also have internal affairs working to help me with another family member that is a cop. If you need any information you can contact me directly or refer to us Bankruptcy Court or a United States District Court. There is a lot of evidence there too. XXXX
Product: Mortgage

We have paid our taxes and insurance for 20+ years and with only XXXX left on the mortgage we are moving towards having our house paid off in full. 

Extenuating health challenges with our daughter took us from the XXXX  at XXXX XXXX XXXX to the XXXX  XXXX XXXX where we finally got a diagnosisXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It took us months to get this XXXX  as it was our top priority. 

We had limited access to mail for several months and most of our payments were on auto deduct. In XXXX we saw the delinquency on our County Taxes. We had contacted them earlier and asked if we could do partial payments which we did. The County delinquency allowed us to pay {$1800.00} by XX/XX/XXXX. 

I paid all taxes on XX/XX/XXXX. The exception was County because it showed a XXXX balance. After a lot of research we found out that M & T paid the County and City Taxes on XX/XX/XXXX. They did not tell us of the date in which they were going to set up this account only that it was for XX/XX/XXXX. They did not call the County to see if there was a date given to us ( XX/XX/XXXX ) to pay remainder. These issues led to double payments on our account and an statement from M & T that we must establish a $ XXXX escrow and start paying over {$2100.00}, more than 3 times our monthly mortgage payment from XXXX XXXXongoing. 

We have asked for explanations for a full month and we have gotten the runaround on several occasions. My husband and I recently were told M & T was giving us a refund but others have said no. 

We need this to be resolved with escrow hold removed and refunds to be received. Our mortgage payment has always been {$770.00} and we would like that to remain while we continue to pay our own taxes and insurance.
Product: Checking or savings account

See Prior Complaint XXXX, to which said bank was a party and is aware of all details. Subsequent to their response, on XX/XX/XXXX, I emailed the following to which I did not receive a response : Emailed the following recipients at the bank : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX, I am writing to you in response to the second complaint I filed with the CFPB regarding well over {$100000.00} in CD funds that have gone missing. I have attached the complaint response from you. I called the generic number listed on the complaint and obtained your email address as I would like the process well documented. 

I have already sent all the information to XXXX XXXX, cc 'd on this email. She will have copies of the CDs, the bank slip deposits, account numbers, and social security information as it relates to my name as well as my sister 's ( whom I have also cc 'd on this email ). Please have XXXX send you the information as I do not want to forward this highly confidential information yet again. You can begin with a search on my name ; however, I assure you that if you find nothing for me, my sister will authorize that you conduct the same search on her. Note, my name is often spelled without the hypen so all searches should be done under XXXX XXXX and XXXX XXXX. 

I want to make something very clear. This has been a very stressful process, which I have repeated over and over and over again to so many banks and representatives that my head is spinning. This has endured for one year. If this matter is not resolved with an understanding of where these funds went, I will touch base with an attorney that has assisted my family in the past, and consider filing suit for not only the lost funds, but to recuperate any fees involved with legal action and the stress this matter has had on myself and my family. There are no words for how frustrated and angry I have become over this matter and I am at the point that I have decided this is my very last ditch effort to be civil in this matter. 

Please let me know if you have any questions and I will be awaiting your response. 

XXXX XXXX ********* This complaint serves to advise that XXXX XXXX nor XXXX XXXX responded in anyway to this email, and therefore his invitation in his attached response to contact him from the last complaint was baseless and not in good faith. His offering of a general bank number also suggests this. This complaint serves to advise I am contacting legal council as a result of this, as per my above email.