23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Every time the Mortgage company is sold or changes owner I got charged for legal fee 's. My mortgage company changed from XXXX to XXXX XXXX. My payment was for {$460.00}, now they ask {$750.00}. The escrow account went up to {$280.00} becausd they are charging {$3700.00} for legal fee 's. I need to take legal actions against companies like this as they are stealing money from innocent peoples that have no time or money to fight against this corporations. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX  are reporting 15 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent ( 2 ) dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data breach OF XXXX. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. I am also attaching proof that I was a victim of the XXXX XXXX breach, and I kindly request that this information be considered as part of my claim. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX Account XXXX XXXXXXXX Amount : {$0.00}
Product: Mortgage

I am a   XXXX   XXXX   for the buyer in a short sale transaction. This matter closed in  XXXX , 2016 and the mortgage which was the subject of the short sale has not been discharged of record. I am unable to issue the title policy to the new owner, our insured, until this mortgage is discharged.
I have attached the short sale approval letter along with proof that the wire was received to pay the loan in full as outlined in the short sale terms. Several attempts have been made to contact NationStar Mortgage, with no satisfaction.
The subject mortgage is recorded in the Office of the Clerk of  XXXX  County New Jersey in Mortgage Book  XXXX  to  XXXX  and   XXXX   XXXX
Product: Mortgage

Hello, I have been going through a refinance with Freedom Mortgage Corporation, headquartered at XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( NMLS ID : XXXX XXXX. This process has now taken 8 weeks due to Freedom Mortgage 's ( 1 ) repeated attempts to inflate the costs of the loan relative to the initial loan that we agreed upon ; and ( 2 ) repeated failures to support the closing appointments that they scheduled with us. This refinance remains unresolved, and I have stopped receiving responses to my requests for help. 

Freedom Mortgage initially offered a no-cost refinance, for which I signed the closing disclosure on XX/XX/2020. They proceeded to rescind that closing disclosure and re-issue a second one on XX/XX/XXXX. I called them on XX/XX/XXXX to inform them that the costs, fees, and other information did not match what they had promised on the phone. They apologized and promised to correct the issue. By XX/XX/XXXX, I had heard no response so I sent an email asking for a status update. I then received the third closing disclosure on XX/XX/XXXX, which I signed on XX/XX/XXXX. 

Freedom Mortgage then scheduled our closing appointment for XX/XX/XXXX. However, at the time of our appointment, the agent did not arrive. We called them to learn that Freedom Mortgage had failed to provide her with our closing documents. I called Freedom Mortgage to report the issue and they apologized because our documents had still not received an internal approval that Freedom required because the loan was too beneficial to the borrower ( I am paraphrasing ). 

They scheduled our second closing appointment for XX/XX/XXXX. Again, the agent did not arrive due to Freedom failing to provide her with our closing documentation. I called to report the issue and they apologized again, reporting the exact same issue ( awaiting internal approval because the loan was too beneficial to the borrower ). 

Freedom Mortgage then called me on XX/XX/XXXX to schedule a last-minute closing appointment for that evening. We accepted. When the agent arrived, she handed us a closing disclosure that we had never agreed to. Freedom Mortgage had inflated the loan amount, interest rate, and estimated monthly payment, and had reduced the cash to borrower at closing without informing us. We chose not to sign it due to all of these last minute changes that they tried to sneak into the loan. 

I called Freedom Mortgage immediately and spent 20 minutes going through various escalations. Finally, the agent on the phone told me they would transfer me to the highest level of escalation to solve the issue. I then remained on hold for 30 minutes before hanging up. 

I also emailed Freedom Mortgage immediately after the failed closing appointment on XX/XX/XXXX. I received a call apologizing again on XX/XX/XXXX, but offering no concrete solution. I emailed again on XX/XX/XXXX and have received no reply. 

Thank you very much for your help resolving this issue.
Product: Credit card or prepaid card

XXXX XXXX college has been charging my Discover card {$50.00} every month from XXXX XXXX to XX/XX/2020. I did not authorize or sign up or enroll in any services nor have I been provided with any services from XXXX College. I have turned this into Discover as fraud and requested they give my money back and they did only to allow XXXX College to charge my account again. Todate I have had new cards issues and they are still charging. I have asked Discover to block these charges as they are fraud. I have called the school requested documents regarding this and they refuse to send them out and Discover has not received anything from them as well yet they keep allowing the charges. I have wrote to Discover and XXXX clearly stating I DO NOT AUTHORIZE AND HAVE NEVER AUTHORIZED ANY CHARGES TO MY ACCOUNT. They still are charging me and refuse to correct or XXXX me with this matter.
Product: Checking or savings account

Hi. 

I applied to Chime through XXXX, a cashback site. It was a {$410.00} bonus. I completed all requirements, waited the timeframes, but I did not get the bonus credited to my account. 

On XX/XX/year>, I applied for the Chime app through the upromise link. The application went pending, and I was approved the next day I believe. I have additional screenshots of me going through the upromise link and applying to chime. My first direct deposit date was Thursday, XX/XX/XXXX. 

On XXXX, I submitted a ticket to XXXX. They stated that " After conducting a thorough review, we regret to inform you that we are unable to confirm proper tracking of this activity. Unfortunately, without conclusive tracking, we will be unable to credit your account for this activity. '' On XXXX, I contacted Chime about the issue with XXXX being able to " confirm proper tracking of this activity ''. Chime simply referred me back to XXXX. They refused to contact them on my behalf to provide confirmation that I completed the offer and I am owed the {$410.00} credits. 

Chime should not offer this promo with the XXXX party XXXX, if they didn't plan on paying out, or investigate missing cash back. Something is wrong with the tracking. I want Chime to contact XXXX to confirm I did complete all the requirements. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act 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 XXXXXXXX have violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes with antedates the report by more than seven years.

15 U.S.C 168s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

I recently checked my XXXX XXXX account and notice that I have a hard inquiry on my personal credit report. The inquiry is from XXXX XXXX  ; for XX/XX/year>. I immediately called TransUnion, since I didnt make this inquiry. TransUnion told me to go online to their dispute center. I did so, and noticed that there are dispute buttons next to every section, besides the inquiries section. Therefore, I called TransUnion back and they told me that there is nothing they can do to help me. The agent was only able to put a freeze on my account ; nor did they help me with fraud alerts. Note : I called XXXX XXXX  and was told that my information was not on file and they are unable to help me due to no information being in their system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with Equifax on multiple occasions for them to delete addresses listed on my credit report that are inaccurate. Equifax responded on XX/XX/2018, confirmation # XXXX and also on XX/XX/2018, confirmation # XXXX that their bureau had indeed deleted the following addresses ; however, I retrieved a copy of my report on XX/XX/18 and the addresses are still reflecting. Equifax is deceitful and falsely reporting these addresses but yet continue to send me responses and confirmation that they have indeed deleted them. This is a violation of my consumer rights. The following addresses should be deleted immediately from my report based on their letters ( see attached ) and also the fact that the addresses are inaccurate. Delete the following addresses immediately : XXXX XXXX XXXX. XXXX XXXX, TN XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX, XXXX , TN XXXX XXXX XXXX XXXX XXXX , TN XXXX XXXX XXXX XXXX, XXXX , TN XXXX XXXX XXXX XXXX XXXX , XXXX , TN XXXX XXXX XXXX XXXX , XXXX , TN XXXX XXXX XXXXXXXX XXXX XXXX , XXXX , TN XXXX XXXX XXXX XXXX, XXXX , TN XXXX
Product: Checking or savings account

***Please see attached letter and full timeline and dates of correspondence with USAA . 

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX. 
XXXX, D.C. XXXX Dear Sir or Madam : I am writing to request your assistance in resolving a missing deposit with USAA Federal Savings Bank. We have attempted without avail to locate {$620.00} of EFT/ACH transfers that were sent by another institution and failed to credit to our account. USAA acknowledges the transactions and yet our accounts have not been credited the money. We have exhausted all opportunities to resolve this matter with each institution and as of XX/XX/2018 have yet to see the money. After nearly 30 days of extensive communication and efforts neither bank is willing to address our concerns or escalate our concerns internally. Furthermore, internet research has revealed that our experience regarding USAAs obfuscation and denials of requests for assistance ( despite clear evidence that USAA was at fault ) is not unique to us. There are numerous instances of similar experiences occurring to others. Based upon our experience, it is also likely that there may be similar situations in which customers have no idea that USAA has simply kept their money without depositing it into their accounts. Therefore, we request the following : 1 ) Assistance in returning {$620.00} owed to us by USAA ; 2 ) Initiate an investigation of USAAs electronic banking practices to address the broader systemic problem of failure to provide clients with timely access to their funds ; and 3 ) Levy fine fines upon USAA that are significant enough to deter USAA from creating similar situations/problems in the future.

We have spent an extensive number of hours with both banking institutions support teams attempting to facilitate remediation and we requested escalation of the matter. We attempted to obtain the name and address of an appropriate level of management and/or a compliance officer to express our concerns in writing. USAA was unwilling to provide this information. In fact, they indicated they would charge us a research fee of {$50.00} per hour to further research the matter of our missing deposits. I have attached a timeline of events for your review.

We appreciate your assistance in resolving this matter and for proactively insuring that others do not have a similar experience.
Product: Debt collection

sent XXXX letters to both parties on XXXX/XXXX/16 and XXXX/XXXX/16 as of today no response of verification of debit. In both letters I asked for signed copy to validate the debit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/sagestream refuse to remove XXXX  and XXXX  XXXX XXXX inquiry from my credit remove
Product: Debt collection

On XX/XX/19 a representative from the company contacted multiple people as well as myself while at work. When I returned their call from my personal cell phone I informed them to not call my work. 

On XX/XX/19 the same representative called my office again. I again informed her to not call my work.
Product: Debt collection

I am submitting this complaint because I am being extremely affected by ENHANCED RECOVERY COMPANY , LLC. They are being completely unfair and I dont know how to get ahold on them but through this portal. 

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 

This company has been reporting wrong information, re-aging the account, they have failed to mark account as disputed, they have also reported multiple billing errors by XXXX  XXXX XXXX original creditor ) and unfair business practices. 

The account information is the following : ENHANCED RECOVERY COMPANY , LLC Opened Date : XXXX XXXX, 2019 Balance : {$140.00} Original Creditor Name : XXXX XXXX XXXX XXXX  My demand is based on many damages and all the violations that they have committed : I WANT THIS ITEM REMOVED FROM MY CREDIT REPORT ASAP. 

Thank you.
Product: Credit reporting or other personal consumer reports

Synchrony bank closed my account without my knowledge after I paid the wrong amount on my account. I told them that I did not mean to pay three amounts and I did a dispute for the third amount. Shortly after my account was closed without my knowledge. This is affecting my credit. I have reported them to the XXXX and responded and they closed the complaint after never acknowledging me. In the beginning of this card I had several interest free loans that they kept charging interest to. This company is messing my credit up and they took away my credit without any valid reason and has not matched to anything in their contract. I never received any information about my account being closed until I went to the XXXX XXXX office and was unable to use my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is fraudulently reporting incorrect information for my daughter and I. They are fraudulently reporting that we are the same person. They are illegally reporting that we are aliases of one another. We do have the same first name only and different last names. She's my daughter so we have resided at the same addresses and we've been authorized on each other 's credit cards, etc BUT we have different date of birth 's and different social security numbers. This company has failed to verify any type of facts before sharing personal information and details. Because the names are similar, they never take the time to confirm and verify if it is the same person or not. They have caused my daughter and I to be declined credit, declined rental assistance, rejected applications and higher interest rates and security deposits. They have never verified if we are the same person or not even though our information is completely different. Both of our information is listed on each other 's credit reports, public records, background checks, employment history, XXXX major credit reporting agencies, insurance reports, etc ... We are requesting that this company removes all information that it has listed for both us and wipe the report clean. We are requesting that the company sends each of us SEPARATE copies of our consumer reports and files for us to each review. We are requesting that a security freeze is added to both of our files so that no further misleading, misinformation, incorrect, fraudulent information is reported again until all matters have been resolved. We are requesting that they refund us for the extra money that we had to pay out of pocket to dispute, repair and correct our profiles only for them to submit the incorrect information illegally again. We are requesting a refund of the extra interest rates that we were charged because our scores decreased due to incorrect reporting. We are requesting that this information is completed expeditiously and that it is not delayed or held up any further. This company stated that they have no control over what other company 's submit to them or have no control over what my score is or what my report reflects. This company continues to report the wrong name, spelling of my name, wrong last name, wrong addresses, wrong phone numbers and wrong credit information. This company has failed to send me a physical paper copy of my credit report. I have called them consistently requesting a paper copy of my report. They have sent documents to my daughter and I requesting that we sign into a website and submit a pin number to access the files. The pin number doesn't work. WE WANT A PHYSICAL COPY OF THE REPORT! NOT ACCESS TO THE REPORT ONLINE! WE DO NOT HAVE A COMPUTER, PRINTER, COPIER OR FAX MACHINE! SEND A PAPER STATEMENT OF THE ACTUAL REPORT! They have also failed to remove any incorrect information for me including personal information, credit inquires and credit accounts. WE NEED AN EXPEDITED, CURRENT COPY OF OUR CONSUMER REPORT TO BE SENT TO US VIA OVERNIGHT SHIPPING EFFECTIVE IMMEDIATELY!
Product: Debt collection

I was charged an extra month worth of service. My last payment was paid through auto-pay. Explained to them that I already paid my last billing cycle. They wouldn't let me access my online account and wouldn't send my statements. They would have me on long holds and transfer me to other representatives. I never had any issues with them until I went to XXXX. I was with them for XXXX plus years with not one late payment.
Product: Student loan

I got a call on XX/XX/XXXX from a company claiming to be a company that could help with my student loan forgiveness. They had my address, email, SSN as well as the balance of my loans. They also had access to me XXXX ID and was able to change it using my email address. I was told them could forgive over {$250000.00} of my student loans but I would have to pay {$360.00} for 6 months and then {$69.00} for 240 months but after that my loans would be forgiven. At first they seemed legit but I applied for student loan forgiveness and never got a response. 

I got concerned because I was asked if I had the call on the speaker phone and if anyone was in the room with me. I then asked the person I was on the phone with if they had me on speaker phone and they chuckled and said no. I then could hear my voice echoing and I could hear people in the background. 

I spoke with two individuals, one by the name of XXXX and the other person was her supervisor. They both had heavy accents and spoke in a bit of broken English. The number they called from was XXXX and they sent emails to my email account from this address : XXXX I ended up hanging up because the 2nd person laughed a little bit too much and did not address my concerns about repeating my SSN outloud as well as other information. They did not call back and the documents they were supposed to send me have not arrived in my email and they claimed they were from the Department of Education. I don't think this was legitimate but I would like to know what happened to my actual paperwork that I filed in XX/XX/XXXX for loan forgiveness.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in on my accounts to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am a victim of the XXXX XXXX breach and have some accounts listed below that I want to be removed from my credit report immediately for fraudulent accounts Attached in this report is the proper identity theft reports with the accounts listed below for removal from my credit report 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