23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hello, I recently applied with a re-finance through rocket mortgage approximately around XX/XX/XXXX. The process seemed brilliant and easy ; however, after turning in all documents and told I was told we would be closing soon around XXXX. After many delays, I was told everytime I called in we were close to the closing process. Then I started receiving messages that they needed a paycheck almost every week to prove employment. The problem with this is, it takes rocket mortgage on average a week to verify the documented paycheck you submitted. But when they say you are closing again, they halt the process and need a new pay check. So everytime I submit a current week paycheck, they process it next week. Then say, we need next weeks pay check to close - Its an infinite loop of them taking a week to process a current paycheck, that I am perpetually " always '' a week behind in their system to process a paycheck. It is now XX/XX/XXXX after told many times we are closing and its not happening. 3 months and 12 days later of personal time and energy wasted when I could've gone to a local credit union or bank. They keep you on the hook because of all the invested energy already but it seems nothing will ever close. No client needs to experience this. I am still today awaiting to close the loan - There was never a mention of credit score, loan value or appraisal just - waiting on documents - Waiting to get the loan togethor then a repeat of we need your next current pay check - Pay check submitted - One week to verify - Now that current pay check is one week late once verified ( because a pay check given to them on XX/XX/XXXX will not be verified by their team till XX/XX/XXXX or later ) and they re-do the process over and over. Its not currently possible to close on a loan with these practices.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I'm now at an hour and a half of waiting to reset my password because their account recovery features don't work. Their entire payment process is miserable I get a phone call everyday to pay and then when I try I have to wait this long. 

Also their call center is out of the country. Why is my social security number and personal information being sent to XXXX. 


Please sell my loan to an actual reputable bank.
Product: Debt collection

Debt collection remain on credit report after the 50 day dispute process violation of FDCPA disclosure of verification delete all collection from all XXXX collection reporting agency
Product: Credit card or prepaid card

My Regions credit card and debit card ( along with several other credit cards ) were stolen on XX/XX/2019. A transaction was made almost immediately to the thief 's XXXX account ( XXXX ) for {$1200.00} and {$2000.00} ( and {$300.00} from my Regions debit card ). I reported the cards stolen within 2 hours ( honestly I think it was under an hour ) to Regions Bank over their 800 number ( and to the local police department - XXXX Police Department case # XXXX ). 

On XX/XX/2019 Regions charged me a late fee of {$27.00} and then on XX/XX/2019 I was charged a {$38.00} interest charge. When viewing my card balance online the card balance shows as {$0.00} with a minimum payment of {$0.00}. I keep a close eye on my accounts, especially after my wallet was stolen, so I had no reason to think there was anything wrong with the account. I have attached a print screen showing what I see when I view this account online. 

This morning ( just after XXXX ) I spoke with XXXX at Regions credit card line and was told reporting the credit card stolen wasn't enough, I also needed to file a claim to not be responsible for these fraudulent charges. When reporting, the card stolen I absolutely confirmed those charges were fraudulent. XXXX informed me I am responsible for the interest charge, late fee, and balance of the fraudulent charges. I asked her to officially contest those charges, but she has informed me in the meantime I am still responsible for those charges. XXXX also informed me that it could take 30 days ( or more ) to resolve the issue. I tried calling before XXXX, but was disconnected after holding for 15-20 minutes ( this happened several times ).

I had to file a complaint with CFPB ( complaint ID # XXXX-XXXX  ) to get the charge to my debit card reversed, which Regions did and I am grateful for this action. However once again as a matter of policy they do not limit user 's liabilities to {$50.00}, which is the law per the Electronic Fund Transfer Act ( EFTA ) or Fair Credit Billing Act ( FCBA ). If I'm not understanding the law correctly, please let me know ( but every source I've seen says I'm right ). 

In the next step I'm asked to identify the card number for the complaint, but I only have the replacement card number which I will provide.
Product: Debt collection

CAC Financial Corp is stating I owe a medical bill and did not originally provide any information where the bill originated from when requested. A letter was sent for collections which also did not state who the debt originated from and requested payment. CAC Financial Corp proceeded to submit the issue to my credit report without any clarification to me. I disputed the claim with XXXX because the XXXX XXXX did not look like an office I visited. CAC came back and finally updated it to a clear office which I visited. I went through all my statements submitted on here and they have been in good standing and it shows I was on an automatic payment plan that was then paid in full. The medical office shows that I do not owe anything and I have all the statements from XXXX  added to prove.
Product: Mortgage

I started the process of removing PMI from my mortgage on XX/XX/XXXX. I am currently in Chapter XXXX bankruptcy since XXXX and Wells Fargo is aware of my bankruptcy. My home mortgage payment is excluded from the bankruptcy payment through the trustee and my trustee has advised me to make the mortgage payment outside of my bankruptcy case. I have consistently being making my mortgage payment on time and never in the rears. 

Wells Fargo advised me that I can either ordered for a formal appraiser which cost {$500.00} or BPO ( Broker Price Opinion ) which cost {$200.00}.

I ordered for a BPO, paid {$200.00} and the check was cashed with the inspection completed on XX/XX/XXXX. Throughout the entire process, I made several calls to get update. The representatives have been consistently telling me that my home value qualifies me for the removal of PMI and I should receive a letter in 10-14 business days with the adjusted monthly mortgage payment that reflects the removal of the PMI. 

On XX/XX/XXXX, when I called Wells Fargo, I was informed that Wells Fargo can not proceed with the removal of the PMI despite my property value being appraised at the value that qualifies me for the removal of PMI. My attorney has advised me that bankruptcy does not preclude me from the PMI. Wells Fargo escalated my case and told me that they will contact me within 24-48 hrs and as of today ( XX/XX/XXXX ), I have not received anything from Wells Fargo. 

I called again today ( XX/XX/XXXX ) and spoke to XXXX ( XXXX ) XXXX XXXX XXXX regarding my case ID XXXX. She told me that she can not speak to me without my attorney 's authorization which is ludicrous. My mortgage payment is not managed by the bankruptcy trustee and I have been making the payment independently and they shouldn't have to get authorization from bankruptcy attorney to speak with me. 

As of today, there is still no resolution and Wells Fargo has taken {$200.00} from me without any resolution.
Product: Mortgage

This loan servicer Specialized Loan Servicing ( SLS ) took over this HeLOC years after it was originated in XXXX. XXXX XXXX XXXX, the originator went bankrupt in XXXX. The original amount was {$150000.00}, it is now over {$300000.00}. I filed a lawsuit last summer, citing violations and my attorney said that the one your statute limitations that I had to file had passed. I knew nothing about the one-year statute limitations that lenders enjoy while they have a 30-year statute limitations to enforce mortgage paper that private investment groups buy up for pennies on the dollar. I was forced to sign a settlement agreement saying that I would not sue them. I Now face and looming sale date, and although they have offered me loan mitigation, the down payment that they are requiring is outrageously high. They referred me to a lender that they are referring to many of their files that are in similar status that can refinance my first and second into one loan. In my discussions with this lender, I was told that I do indeed qualify for financing according to my income and credit, and the loan-to-value ratio, but because the title is showing this SLS foreclosure, this potentially new lender will not take action. SLS could rescind the sale date so that I can have time to qualify for this take-out funding. They have just lied and waited until there's enough equity for them to swoop in and force my wife and children out of our 24-year family home. Some enterprising attorney needs to file a class action against these predatory loan servicing companies that simply play the game of " extend and pretend ''. I will be able to meet some kind of mitigation arrangement with them if they will give us the time to gather the resources.
Product: Credit reporting or other personal consumer reports

I am writing regarding the ongoing inaccuracies related to the account in question, which has been disputed multiple times with all three credit bureaus ( XXXX, XXXX, and XXXX ), as well as with Preferred Credit. Despite my previous efforts, this account continues to be inaccurately reported across all platforms. 

My most recent dispute, under Confirmation Number XXXX, was submitted on XX/XX/year>. The investigation was marked as completed on XX/XX/year>. According to the results, the account information was " Modified, '' which inherently suggests that changes were made. This leads to a significant question : How can the information be simultaneously " verified as accurate '' while also being " modified ''? The XXXX are logically inconsistent. 

Additionally, the account information reported by Preferred Credit does not align with the data provided by XXXX and XXXX, even though Preferred Credit is responsible for reporting directly to these credit bureaus. This ongoing inconsistency demonstrates a clear failure in the credit reporting process. 

I have attached Preferred Credits initial response to my first complaint, in which they claimed the information was accurate and verified. Yet, when I submitted further disputes with the credit bureaus, the information was once again modified without any resolution of the inaccuracies. This continued failure to provide accurate reporting highlights willful negligence on the part of Preferred Credit and the credit bureaus ( XXXX, XXXX, and XXXX ). 

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), furnishers of credit information, including Preferred Credit, are required to provide accurate information to the credit bureaus. The ongoing misreporting and failure to correct the record after multiple disputes violates these statutory obligations. Additionally, I believe I am entitled to damages for each month this account has been inaccurately reported, as well as for each violation committed by the credit bureaus and Preferred Credit.

In light of the continuous inaccuracies over the past few years, I am prepared to settle this matter for {$5000.00}, an amount I consider to be a fair and reasonable remedy given the harm caused. This includes the removal of the inaccurate account from all three of my credit reports. If this resolution is not achieved, I am fully prepared to proceed with legal action, as my consumer law attorney is ready to take the necessary steps to seek the full remedies afforded to me under the FCRA until a satisfactory resolution is reached. 

I expect to hear from you promptly regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past 2 months I have sent 2 letters to the credit bureaus about accounts in collections. I asked for validation and original contracts for each collection. The accounts still remain and have not been fully validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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

Recently, I did an investigation on my credit report and found several items on there to be an accurate. 
Under 15 U.S code 1681e ( b ) accuracy of a report whenever a consumer reporting agency prepare a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. code1681i ( 5 ) treatment of inaccurate or unverified information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be in accurate or incomplete or can not be verified. no consumer report and agency shall- ( i ) promptly delete that item of information from the file of the consumer or modify that item of information as appropriate based on the results of the reinvestigation; and ( ii ) promptly notify the finisher of that information that the information has been modified or delete from the file of the consumer. please remove the following items from my credit report immediately : XXXX XXXX XXXX
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 rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has 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 which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 information is inaccurate.
Product: Mortgage

My mortgage is currently serviced by Mr Cooper. The regular monthly payment is {$1200.00} ( see attached ) and is set up for auto draft. Mr. Cooper has refused to process my payments on many occasions, which has led to late fees and inaccurate credit reporting. Mr. Cooper has violated the CFPB mortgage servicing rules ( non conforming payments ) listed below. Since Mr. Cooper promotes the auto draft service to process base on section c, Mr. Cooper can not impose a late fee due based on their payment processing error. 


XXXX XXXX - CFPB ( i ) In general. Except as provided in paragraph ( b ) ( 4 ) ( ii ) of this section, if a creditor specifies, on or with the periodic statement, requirements for the consumer to follow in making payments as permitted under this XXXX, but accepts a payment that does not conform to the requirements, the creditor shall credit the payment within five days of receipt. 
( ii ) Payment methods promoted by the creditor. If a creditor promotes a method for making payments, such payments shall be considered conforming payments in accordance with this paragraph ( b ) and shall be credited to the consumer 's account as of the date of receipt, except when a delay in crediting does not result in a finance or other charge. ( c ) Adjustment of account. If a creditor fails to credit a payment, as required by paragraphs ( a ) or ( b ) of this section, in time to avoid the imposition of finance or other charges, the creditor shall adjust the consumer 's account so that the charges imposed are credited to the consumer 's account during the next billing cycle. 


Per the FCRA, I am also filing a formal notice of error based inaccurate payment accounting by Mr. Cooper. This Qualified Written Request QWR needs to be recognized and responded to per CFR XXXX. All late fees that have been imposed need to be adjusted until the proper response is administered by Mr Cooper. Mr Cooper charged late fees in XX/XX/year>, XX/XX/year> & XX/XX/year>, with each charge being {$130.00}. I am requesting a refund of {$400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I asked XXXX, XXXX  and Equifax to verify two accounts ( XXXX XXXX and XXXX  ) that were reporting inaccurately. They responded on XX/XX/XXXX stating that the Original credit, past due, terms and rating were updated on the XXXX Account for XXXX  and the XXXX account remained the same. 

I then responded on XX/XX/XXXX to XXXX, XXXX and Equifax because XXXX was still reporting inaccurately with three different months for the same late payment. XXXX  reported XX/XX/XXXX, XXXX  listed XX/XX/XXXX and Equifax reported XX/XX/XXXX. Equifax has since removed the late payment, however, it remains on XXXX  and XXXX. If the same creditor is verifying payment history on the account to all 3 of these bureaus, then how can the dates be different across both bureaus? 

I also responded to on XXXX XXXX to the XXXX  account still reporting inaccurately with different dates of last activity. XXXX  has it listed as XX/XX/XXXX, XXXX  has it listed as XX/XX/XXXX and Equifax has it listed as XX/XX/XXXX XXXX, how can these dates be different if the information is being verified with the same creditor? 
The bureaus responded and XXXX is still reporting with different date of last activity as XX/XX/XXXX for XXXX, XX/XX/XXXX for XXXX  and XX/XX/XXXX for Equifax which is inaccurate.
Product: Mortgage

This company assumed my loan and I've had nothing but challenges stemming from payment issues, to issues with them paying my insurance bill and charging me for their mistake, to my XXXX XXXX XXXX and them making it incredibly challenging to afford the build back .... As a consumer I should be able to have authority to at least have the same level of servicing care that I had with my previous loan provider. That has been far from the case when working with NewRez
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  REFUSED TO CORRECT MY CREDIT REPORT AFTER I PRESENTED THEM WITH AN ID THEFT REPORT, POLICE REPORT AND ID THEFT AFFIDAVIT. THE DISPUTE HAS BEEN GOING ON OVER 30 DAYS, SINCE THE DAY I FAXED THEM THE INFORMATION. THEY STARTED THE DISPUTE ON XXXX XXXX, EVEN THOUGH I SUBMITTED MY DISPUTE IN MID XXXX. THRY HAVE RECEIVED THE PROPER DOCUMENTATION AND STILL REFUSE TO CORRECT THE PROBLEM. THE FOLLOWING ACCOUNTS DOES NOT BELONG TO ME : CAPITAL ONE AUTO FINANCE AMT. XXXX, XXXX OPENED : XX/XX/XXXX CAPITAL ONE BANK, XXXX AMT. XXXX OPENED : XX/XX/XXXX XXXX XXXXI AMT. XXXX OPENED : XXXX XXXX I ALSO HAVE FRAUDULENT INQUIRIES WHICH THE HAVE REFUSED TO MOVE.
Product: Mortgage

8 years and 3 lenders later still trying to get a loan modification, recently Caliber Home Loans Purchased my loan in XX/XX/XXXX, had to start all over with the loan modification process, I submitted all the documents Caliber asked for, my documents were lost, I submitted additional documents as they asked for. in XX/XX/XXXX i was advised they had a complete file before the deadline to stop the sell of the property, Caliber refused to stop the sell date as I was told the sell date would be stopped. I was forced into BK XXXX to stop the sell date. Within the first 30 days of the BK I submitted another complete package for a loan modification, over the next several months caliber again asked for more documentation to complete the review, I again submitted the required documents, In XX/XX/XXXX Caliber stated they need an additional document, I advised them I was advised by XXXX XXXX from Caliber that document was needed and she checked with the loss mitigation dept, that person in that dept stated I did not need to send that document in, Caliber once again proceeded with another sell date for the end of XX/XX/XXXX, that sell date was stopped once all the dept heads got together and agreed that I was given incorrect information, I provided additional information, after one year after starting the process with Caliber, my loan modification was turned down, Caliber stated the reason was my debt ratio was to low, yes I can afford the monthly payment, however I can not pay the amount past due, from the beginning Caliber stated they had many loan programs in house to help me with the past due amount, I was advised from the Point of Contact person to submit a appeal letter, stating that I can afford my monthly payment but not the past due. On XX/XX/XXXX I submitted an appeal letter to Caliber thru their web site, I called Caliber to verify they had in fact received my appeal letter, I was informed yes it was uploaded and they received it by the dead line to appeal. Now recently I am informed by Caliber there is a sell date on my home for XX/XX/XXXX, I was additionally informed that my appeal was never reviewed, I was advised when I submitted my appeal that no sell date will be placed on the property while my appeal is pending. This is so wrong.
Product: Debt collection

I received a letter of collection from ERC, this past week, stating I have an outstanding balance with XXXX XXXX XXXX of {$820.00}. I have NOT received a bill from XXXX, for ANY balance. Because of a prior complaint, I filed with CFPB XX/XX/2015 with XXXX and XXXX, I have taken a look at my credit report, I do not at this time see any collection attached from XXXX or ERC. collection. 

XX/XX/XXXX, I did have to file a complaint with CFPB against XXXX and XXXX XXXX, XXXX who had placed a collection of over {$400.00} dollars on my credit report. I did not receive any bill from XXXX. after receiving explanation back from diversified thru CFPB, this was recently removed in XX/XX/2015, from my credit. I had spoken with XXXX XX/XX/XXXX, prior to the other problem filed about XXXX and was told I have " No balance with them. '' I do not have XXXX or any XXXX, listed in my name that I am aware of. Also due to the breech with the XXXX my social security number or other personal information may have been compromised. 

I would like CFPB to look into this with XXXX and ERC. I do not feel this is my bill. I have NOT contacted ERC because I am concerned, as too their legitimacy. I Do not want to continue to be harrassed by XXXX or any of their collection agencies. This is not my debt.