23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We are trying to close in my dad 's house but freedom mortgage has refused to give my title loan officer the payoff. She has been asking since XX/XX/XXXX. We were supposed to close XX/XX/XXXX, but they told her, on that day, that.they didn't have my ID. I had sent them the weeks before. I sent it to the title loan officer and she sent it to them. 2 days later they still hadn't uploaded the I'd and still refuse to give her the payoff. This is our third buyer and we may lose this buyer with the delayed closing. 
It seems as though they are only delaying to get more daily interest from me. 
Please help as soon as possible.
Product: Mortgage

My Loan servicing was transferred from XXXX XXXX  to Suntrust sometime in XXXX and I was given less than 15 days of notice about the transfer. 

XXXX XXXX  sent me a letter on XX/XX/XXXX that my loan servicing was being transferred and told me to expect further communication from Suntrust regarding my new account number and where to make payments. They also informed me that my next payment ( which would be due in the next 10 days ) would not be accepted if I sent it to XXXX and that I would have to make payments directly to Suntrust. 

I called Suntrust before XX/XX/XXXX to make my payment, but was unable to do so because their agent told me that they did not have a loan number for me yet since the transfer process was not complete. They told me to expect a loan packet on or before XX/XX/XXXX, and I have yet to receive it. 

I have now received an email from Suntrust stating that I am late on my mortgage payment and that I will be charged late fees if I do not send them a payment by XX/XX/XXXX. I am being asked to make my payment online even though all I have received from Suntrust is the email informing me that my payment for my account ending in xxxx is late. I have emailed Suntrust back and have attempted to contact them on the phone multiple times but the line keeps getting disconnected after being on hold anywhere from 30 minutes to over an hour. 

I am not sure what to do to avoid late payment fees because my loan servicer has not sent me a loan packet, yet demands that I make payments on an account number that they have not provided me with. I am unable to set up online payments because the system requires me to provide my account number to do so. 

I know that I am stuck with my loan servicer unless they transfer the loan servicing to someone else, but am I not entitled to timely communications from my loan servicer and waiver of late payment fees that occur due to mistakes on the end of the loan servicer themselves?
Product: Debt collection

I am writing to explain how the COVID-19 pandemic has significantly impacted my income, leading to financial instability. Prior to the pandemic, I had a stable income. However, due to social restrictions and travel bans, the demand for my job services decreased drastically, resulting in my XXXX. As a responsible consumer, I am reaching out to your organization for guidance and assistance in navigating these challenging times to fix my credit. I kindly request the Consumer Financial Protection Bureau to consider my situation and provide any resources, programs, or advice that can help individuals like me who have been severely affected by the COVID-19 pandemic. Your expertise in consumer financial protection is invaluable, and I trust that your organization can offer the necessary support to regain financial stability to boost my credit score. 

Action Steps : - the record shows on my credit report three negative items is at the same time in XX/XX/2021 ( covid ), before XXXX I was good on all my payments - made multiple phone calls for assistance during covid - company reached out to me thru the mail, and I called to discuss my situation multiple times - time passed and I thought I was just doomed with my finances
Product: Credit reporting or other personal consumer reports

I FILED A POLICE REPORT AND IDENITY THEFT REPORT AND SENT TO A COMPANY CALLED CONNS APPLIANCE. I LIVE IN XXXX AND THIS OCCURED IN XXXXXXXX XXXX. I HAVE NOT RECEIVED ANY GOODS OR GAIN ANYTHING FROM THIS COMPANY AND THEY REFUSE TO REMOVE THIS ACCOUNT FROM MY CREDIT REPORTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company Regional Acceptance Corporation has not been reporting the correct balance owed on my auto loan for my XXXX XXXX XXXX. XXXX reported on my or my husbands credit. I sent them two messages on their website. Please have them report the updated paid balance and what is left unpaid to the credit bureaus. My credit is suffering from their lack of reporting to all XXXX bureaus. Looks like the last date reported was for XXXX or XX/XX/XXXX. Balance left is {$35000.00} but last two payments were left under-reported. THANK YOU!
Product: Mortgage

On XX/XX/XXXX, Planet Home Lending ( PHL ) conducted an escrow analysis and determined that I had an escrow surplus of {$2900.00} and issued me a refund check. On the escrow disclosure statement reflecting this change, it states that the amount of expected tax due was N/A. I even called PHL to verify that this was not a mistake, and I was told it was accurate. 

In XX/XX/XXXX, PHL notified me that I had an escrow shortage of {$4900.00}. PHL has currently refused to accept my refund payment of the previous escrow surplus. This shortage was used in PHL 's calculation to increase my mortgage payment from {$1500.00} to {$2300.00}. 

In XX/XX/XXXX, I called PHL to notify them that the calculations were inaccurate based on my taxes and the escrow surplus. At that time, PHL admitted that the escrow analysis that I received in XX/XX/XXXX contained errors. They were unable to tell me the correct amount of my mortgage payment until after PHL re-ran the escrow analysis using accurate numbers. 

On XX/XX/XXXX, I made my regular mortgage payment of {$1500.00} given that PHL admitted that the {$2300.00} payment amount was incorrect. On XX/XX/XXXX, PHL notified me that my new mortgage payment amount was {$2000.00}. 

On XX/XX/XXXX, I received a call from PHL, which I learned was a collection call. PHL stated that my mortgage payment made on XX/XX/XXXX was being held in a separate account because it was less than the required {$2300.00} payment. The same payment amount that PHL admitted was not accurate. When I addressed the discrepancy, PHL advised that they were unable to accept an escrow payment from me ( the return of the surplus in error ) until I paid {$2000.00} amount.

I was not provided with XXXX  days notice of the {$2000.00} payment amount and sent to collections within the same month PHL claims the payment was due. This can not be legal. PHL will not allow me to refund the escrow surplus payment which they issued to me and subsequently claimed I had an escrow shortage. They are using erroneous calculations to
charge me a higher mortgage payment and then changing it every other month. PHL is trying to make me pay a payment amount they told me was not accurate. PHL is engaging in fraudulent and predatory mortgage practice. Please help me resolve this issue. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have not supplied proof the doctrine of estoppel by the silence Engelhardt. v Gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Bank account or service

Bank of America charged me a {$12.00} maintenance for when my balance dipped below the minimum requirement of {$1500.00} for just one night. The next day I had {$1000.00} put into the account to bring up the balance. In addition, my balance has always stayed above the {$1500.00} minimum for all the other days of the month. I find it very exploitative that I would be charged the full maintenance fee for having my balance fall below the minimum for just one day as for compared to somebody who was below the minimum for the entire duration of the cycle. One day versus the whole month should not equate to the same amount. I called customer service, spoke to a supervisor and they continued to insist that the {$12.00} fee is fair to be charged to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX Date Opened XX/XX/2016 Balance {$0.00} and XXXX XXXX XXXX Date Opened XX/XX/2016 Balance {$270000.00}. Please update.
Product: Debt collection

I informed National Credit Audit Corporation on two occasions that information reported by there company was incorrect. The amount listed and reports the credit bureaus are incorrect. NCAC responded in two letters on different dates stating The account was verified and is accurate. I received a final billing statement from the original creditor which list the correct amount owed. NCAC has refused to correct this information.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting actXXXX XXXX XXXXXXXX XXXX XXXXXXXX has 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE :XX/XX/XXXXREQUEST To whom it may concern, I am writing to advise that I am a XX/XX/XXXXThe information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Accounts that are being challenged XX/XX/XXXX XXXX Listed below are the Collections that are being challenged XXXXXX/XX/XXXX XXXX Listed below are the Inquiries that are being challenged XX/XX/XXXX XXXX XXXX BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XX/XX/XXXXOR XXXX XXXX XX/XX/XXXX. IF THE CONSUMER HAS PROVIDED XX/XX/XXXX TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OFXX/XX/XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
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 violate the Consumer Financial Protection Act ( CFPA ) Specifically, Cash App failed to take timely and effective measures to prevent and protective measures to prevent fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute and resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds 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

Core Logic continues to provide false and misleading verification to credit agencies XXXX, XXXX XXXX XXXX even after suspending the right to share reporting. In accordance with Fair Credit Reporting Act, Core Logic has Violated my rights to share records without my permission. Delete Public Record Bankruptcy XXXX XXXX. In accordance with the Fair credit reporting act, XXXX Violated my rights 15 U.S.C 1681 Section 602A. States I have the Right to privacy. 15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not Furnish an account without my written instructions. In accordance with Fair Credit Reporting Act, XXXX XXXX XXXX Account XXXX XXXX has violated my rights. - Please delete this account based on inaccuracy & because, In accordance with the Fair credit reporting act, XXXX XXXX Violated my rights 15 U.S.C 1681 Section 602A. States I have the Right to privacy. 15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not Furnish an account without my written instructions. In accordance with Fair Credit Reporting Act, XXXX XXXXXXXX XXXX # XXXX has Violated my rights. Please Delete XXXX XXXXXXXX XXXX Account from my credit profile. In accordance with the Fair credit reporting act, Company Violated my rights 15 U.S.C 1681 Section 602A. States I have the Right to privacy. 15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not Furnish an account without my written instructions.
Product: Credit card

I signed up for e-bills through Synchrony Bank, and everything was going fine until they changed their Website. Now, when I signed in my UserID and Passwords were not recognized so I called to complain and asked that they start sending my Statements through the mail because I could not get to my accounts through their new Website. 
I have called about three times making this request and actually mailed a request also. 
I am still not receiving my Statements, but they are constantly calling and leaving a message to call XXXX. This is not a real number. In the meantime, they are charging me late charges and if I do n't pay my XXXX XXXX 's off within a certain time, they will add interest. 
All I want is to pay my bills, but how can I when I do not have a Statement? Please help me before this entity completely ruins my credit.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my EXETER FIN # XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.
Product: Credit card

Affirm - XXXX ID XXXX. Requesting your help with resolution. Supporting documentation attached. 

XXXX spoke with XXXX ( supervisor ) on XX/XX/XXXX about an ongoing issue associated with my account. In summary, I made a payment of {$4200.00} on XX/XX/XXXX. This was never credited to my Affirm account. I have disputed it several times with most recent being with XXXX. Affirm has told me on multiple occasions that their accounts are correct and that I am responsible for the balance. I told him that is not true as I have documentation to the contrary. I told him my bank ( XXXX as attached ) has performed their investigation of a missing payment and can confirm that the check ( # XXXX ) sent to Affirm was in fact cashed on XX/XX/XXXX. The check is made out to Affirm Inc XXXX and middle right it has my account information ( XXXX ) and my name underneath that as XXXX XXXX XXXX. 

I have provided this information to Affirm multiple times including the letter from my bank as attached and they will not honor this payment. As such I am having to pay this balance twice which is not right. I am requesting your help to resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have informed TransUnion that they violating the Fair Credit Reporting Act as it pertains to them reporting certain items on my consumer report but they are the masters of violating the law and pretending as if they don't understand whats going on so I'm sending this Affidavit of fact as my last attempt to reason with them. After this I will just have to take them to Federal court. I have also sent my previous communication to TransUnion and when it was received by TransUnion to show that I have tried to get this matter taken care of.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Midland Credit Management ( MCM ) called this morning at XXXX XXXX I had already sent them a letter pertaining to a XXXX XXXX bill I explained to them my income which is Social Security and I could not afford to pay this bill and they aggressively was trying to pressure me, corner me, and bully me into minimum payments of {$32.00} on the bill, even though I told ( XXXX and her supervisor ) I could not afford it. I was threatened that the debt would not go away ( by female supervisor ) and legal procedures would soon follow. They also asked me many questions about other debits as to say youre paying them why cant you pay us. The conversation is so tiring from XXXX XXXX to other potential debt that I made owe. I was bullied by two people on the phone I explained to them that they were stressing me out and they did not care, The conversation escalated more more I was having XXXX XXXX and sick to my stomach. I couldnt take it anymore The conversation was going in circles for over 30 minutes so I hung up.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above financial institution I have contact via email and phone calls approximately 5 times over the last XXXX weeks. Dates are XX/XX/XXXX XX/XX/XXXX XXXX and other dates approximately XX/XX/XXXX. Each time I contact them to have the loan removed from my credit report they ask for different paperwork. I filed bankruptcy on the loan/mortgage after my divorce in XXXX! I am not financial responsible for the loan! I filed my bankruptcy paperwork and a hand written letter as they requested. They refuse to remove it from my credit report! This had negatively affected my credit report by XXXX points!
Product: Credit reporting

I called Experian today because I got a credit report in the mail that I did not order. Experian told me I was a member. I told Experian I was not aware of this. Experian previously forced me to pay {$1.00} for my credit score. In paying for this, Experian took my credit card information and charged me a membership fee. Experian assures me this information was somewhere in the fine print. I conducted a XXXX search for Experian credit score scams and apparently several people have also been tricked by this. Please help us consumers to stop being scammed by companies like this that are supposed to be here to help the consumer and not rip off the consumer. None of us deserve this.
Product: Credit reporting or other personal consumer reports

I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXX XXXX XXXX Routing # : XXXX Account # : XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont rec-ognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request.