23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX of XXXX XXXX became my mortgage company. In XX/XX/XXXX Mr. Cooper preformed a escrow review, this review stated I had a SURPLUS of {$130.00} and that my new monthly payment for XXXX would be $ XXXX according to the loan history the house insurance and the property taxes had not been paid yet. So I applied the surplus to principal. Then in XX/XX/XXXX, Mr. Cooper conducted another escrow review, this one showed a SHORTAGE of {$44.00}. This review also told me that starting XXXX XXXX that my monthly payment would increase to {$530.00} to cover this shortage. According to my SECURITY INSTRUMENT and the Real Estate Settlement Procedures Act ( RESPA ), I should have been given a chance to pay this shortage in full, or have it added into my monthly payment. Since Mr.Cooper did not provide me with a coupon or payment slip, I wrote a separate check ( # XXXX ) and wrote on the check that it was for the escrow shortage, and mailed it with my XXXX payment. I could not mail it with my XXXX payment ( escrow review statement was dated XX/XX/XXXX ) and was not received until after XXXX payment was mailed.On my XXXX statement I noticed that Mr.Cooper had taken the escrow shortage check and applied it to principal, I further noticed that Mr.Cooper did not reduce my monthly payment back to the {$530.00} and that they took {$6.00} from the {$17.00} extra principal payment that I was making as well. So in XX/XX/XXXX, I started sending just the {$530.00} monthly payment. In XX/XX/XXXX, I received yet another escrow review from Mr. Cooper, this one stated I had another SURPLUS of {$10.00}. Again Mr. Cooper arbitrarily lower my monthly payment without asking me how I would like to do with this surplus. Then on my XX/XX/XXXX, I noticed I had a {$19.00} overdue payment so I called Mr.Cooper asked them how this could be when Mr. Cooper stated in XXXX I had a SURPLUS? After all of this it was not until I wrote to mr. Cooper and stated thar beginning XXXX XX/XX/XXXX, that I would start paying my own escrow items and I would send them just the principal and interest portion of my loan. Mr. Cooper responded back to me by stating I can not do this because my loan did not meet the loan-to-value ratio of 80 % or less as stated in the RESPA. I looked into the RESPA and could not find anything about a loan-to-value ratio in it. Because Mr.Cooper has violated my rights in contained within the Mortgage Security Instruments of my loan and also Section XXXX of the RESPA I am asking you to help me with my request to be able to pay my own escrow items. This has been an on going issue for over a year with Mr.Cooper and is affecting my health and needs to be resolved now. 

My account number for Mr. Cooper is # XXXX Mr.Cooper address is : XXXX XXXX XXXX, XXXX, Texas XXXX Phone number : XXXX My address is : XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, Ok XXXX Phone : XXXX Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the card company and was told that the item would be removed from my credit reports. Now it is back on all three reports. This item has been reporting since XX/XX/2012. I would like it removed as it is : 1 - old 2- going to cause me to lose my job 3 - preventing me from providing for my family of XXXX. 

Please help me in getting this item removed- XXXX/XXXX  XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX-XXXX Account Sale Info : ACCOUNT SOLD TO XXXX XXXX Remarks : DISP INVG COMP-CONSUM DISAGRS ; PURCHASED BY ANOTHER LENDER ; >PAID IN FULL/WAS A CHARGE OFF<
Product: Credit reporting or other personal consumer reports

Inaccurate late payments 1. 120+ other 120days these are closed accounts so they cant change them. The collection actually just have 120days not 30 or 60 days only 120daysXXXX XXXX XXXX has 90 & 60days & XXXX XXXX XXXX was reopened thats a violation. I want too see original documentation from these accounts in XXXX I circle all these inaccurate things on these reports. Need fixed or deleted many inaccurate items i circled & XXXX XXXX XXXX HAS TWO NAMES ONLY POSE TO HAVE ONE THATS inaccurate. Payment history been re-aged PLEASE DELETE MY WISHES PAYMENT STATUS NOT CORRECT CAUSE PAYMENT HISTORY DONT HAVE LATE PAYMENTS
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX 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 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 XXXX XX/XX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Transunion disputing 1 account through the CFPB that was received by Transunion on XXXX. I received a company response that stated in progress on XXXX for complaint XXXX. It is now XXXX and I have not received a response from Transunion. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), they have 30 days to investigate disputes. If the information can not be verified within the 30 day time period, Transunion must delete all of the disputed accounts from my report. With it being well past 30 days Transunion must now delete the disputed. I have attached all supporting documents.
Product: Mortgage

Wells Fargo takes my payments from my checking account and insists they have not received payments. I have all documentation of payments being made. I use Wells Fargo bill pay online to pay my Wells Fargo mortgage. The monies have been consistently deducted from my checking account. Even if I use a direct payment to WF the money is redirected to other Wells Fago accounts that are not mine. Wells Fargo keeps sending me notifications of collection and does nothing to correct it and admits the money has been redirected and claims it's an internal issue but won't document it. When I spoke with Wells Fargo Management I simply asked where are my money and they admitted it was received but they can't find it and insist I am in rears. I have never in 30 years missed a payment. This all began when I refinanced on XXXX I have all the documentation Wells Fargo has withdrawn my funds internally from my account but keeps harassing and doing a run around to me and refuses through incompetence to correct the issue.
Product: Debt collection

Called at XXXX am on Monday, XX/XX/14 telling me theyre calling for XXXX XXXX XXXX my mother, but they did not know ). She said she was calling from Gulf Coast Debt Collections and wanted to verify my DOB. They had the month and day, but not the year. I told them they had the wrong number. She hung up. 

I XXXX the number and discovered many complaints for the number stating similar stories and that its a scam. I wanted to report this since theyve called so many people. 

Thank you for your assistance. Ive blocked them on my cell and Ive alerted my senior mother to be on the watch for them and not give out any info.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent the certified letter below to XXXX and Transunion. As on XX/XX/XXXX I have not received any communication from them. Please assist with getting this information corrected. 
I am writing to formally request the immediate removal or validation of all late payments listed on my XXXX  account ( Account # : XXXX ). The account is listed under the following details : Account Type : Credit Line Date Opened : XX/XX/XXXX Current Balance : {$18.00} Credit Limit : {$1800.00} Payment Status : Current According to the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i, you are required to ensure the accuracy of the information you report. If these late payments can not be validated with original documentation and proof that I was actually late, you must remove all references to late payments from my credit report.

I am requesting : Full validation of all reported late payments, including original documents and proof of late payment.

Immediate removal of all late payment records if validation can not be provided.

Failure to validate these late payments would be a violation of the FCRA, and I will take further action if necessary to ensure compliance.

I expect written confirmation that these issues have been resolved within 30 days, as required by law. Please treat this matter with urgency. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date of Birth : XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft involving a fraudulent account with XXXX XXXX, account number XXXX, opened on XX/XX/year>. This account, which I did not authorize, has a balance of {$1700.00} and includes incorrect personal information such as an address and phone number that do not belong to me. 

Despite my multiple formal disputes and provision of evidence, XXXX XXXX has continually verified and updated this erroneous account on my credit report. Their actions violate the Fair Credit Reporting Act ( FCRA ), as they have failed to follow reasonable procedures to ensure maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ) and have not properly reinvestigated disputed information ( 15 U.S.C. 1681i ( a ) ). Additionally, their conduct breaches the Fair Debt Collection Practices Act ( FDCPA ) by engaging in unfair practices and reporting false information to credit bureaus. 

The persistent presence of this fraudulent account on my credit report has significantly harmed my creditworthiness, caused undue stress, and negatively impacted my financial stability. I urgently request that the CFPB intervene to ensure the immediate removal of this fraudulent account from my credit report and to hold XXXX XXXX accountable for their ongoing violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint once again to express my extreme dissatisfaction and outrage regarding the fraudulent items listed on my credit report. It is unacceptable that there are several items that I did not open or have any knowledge of, and it is clear that my identity has been stolen. The items in question, which include [ list fraudulent account details ], are a blatant violation of my rights and have severely impacted my financial standing. I demand that you take immediate action to investigate and remove these fraudulent items from my credit report without delay. The following items should be removed from my Credit File as soon as possible : XXXX XXXX XXXX Balance- XXXX XXXX XXXX XXXX Balance- XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$360.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX Balance : {$0.00}. As a consumer, I have the right to dispute any inaccurate information on my credit report, and it is your legal obligation under the Fair Credit Reporting Act to conduct a thorough and prompt investigation into this matter. I expect to receive a written response from you detailing the results of your investigation and the actions you have taken to rectify this situation.
Product: Credit card or prepaid card

I have been in contact with XXXX XXXX through three letters explaining my conundrum with regards to XXXX/PAYPAL account number XXXX. 

Way back XXXX 2012, while I was still a XXXX in a XXXX XXXX, I donated {$5.00} as a goodwill to a family in need using my Paypal Account. I have a debit card linked to my Paypal Account back then and did not realize that there is an opened XXXX/PAYPAL account and was linked to my Paypal Account. Confident that this {$5.00} was charged to my debit card, I did not realize that the actual {$5.00} was charged to the XXXX/PAYPAL smart connect card. As a result, I missed the payment. This {$5.00} was then transferred to XXXX XXXX collection department that had accumulated {$87.00} including the {$5.00} principal amount which I have already paid off. But before that, the account was then charged off. 

I was never notified about this {$5.00} charge. Ive never received any bills or statement by Synchrony back. I did not even notice that Synchrony credit card has been opened and I never receive any card nor activated one. If only I have been notified about {$5.00} would have been paid in a heartbeat. Even though I strongly believe that I am not liable for the accumulated fees I still paid off the amount charged to me. 

I have asked XXXX XXXX many times to consider my situation. I could never believe that a simple gesture of kindness would cost me dearly. I could not believe that I could suffer like this for wanting to help someone in need. 

I am requesting yet again for XXXX XXXX to please consider all facts and for this account to be removed from my credit report. I have been denied several loan applications due this issue. I never intended to miss any payment especially when I have the ability to pay {$5.00}, if only I was notified. Attached to this letter are copies of the three letters I previously sent.
Product: Debt or credit management

Equifax did not do a proper investigation I requested proof of original signature proof of chain of title, and proof no insurance claim on this debit theyre claiming I owe and Equifax refused to do a proper investigation instead they kept coming back as very I ask how were they verified without sending me what I requested and no response from Equifax please help Im simply asking Equifax to verify the company XXXX XXXX because i believe theyre fraud and Im getting no response. Heres is the Acco
unt Number XXXX XXXXXXXX XXXX  info
Product: Credit card or prepaid card

I was approved for a Capital One Quicksilver Rewards credit card however when the card arrived, it did not have terms of APR anywhere in the literature. I called to ask where that part of the literature was and they could not tell me but chose instead to verbally quote me the term over the phone. When I asked why they didn't put it in writing, the representative said she didn't know. We both know how this type of agreements work, so I cancelled the card and never activated it. Shouldn't this type of information accompany a credit card so consumers have proof of the terms? In the ad where I applied for the card it said 0 % APR until XX/XX/2023 and after that it was something like XXXX % I think.
Product: Debt collection

I am being scammed by phh mortgage XXXX  out of XXXX  dollars
Product: Debt collection

XXXX has called several people who should not have been contacted regarding any of my information on numerous occassions.
Product: Payday loan, title loan, or personal loan

Loan was started as payment to online e-commerce store, with Affirm as payment provider. Ran into dispute issue with store and Affirm refused to do anything even after I opened a case, customer service would not allow escalation. I reached agreement with merchant for a refund but Affirm refused to allow merchant to process it, nor would they close the dispute. I have already submitted proof merchant agreed to refund, they're also willing to confirm via phone or email. But Affirm 's phone agents says they can't do anything, email agents don't answer messages. This issue is stuck in limbo, avoid Affirm if possible
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of buying a home. In the process I learned that after settling my Mariner Finance account Mariner was still reporting unfavorable. I settled my Mariner Finance account via a collection agency. I received a letter from the agency stating it was settled as of XX/XX/XXXX. I reached out to the creditor ( Mariner ) on XX/XX/XXXX in effort to have them update the bureau. The young lady that I spoke with on XX/XX/XXXX advised that I dispute with the bureaus. I have disputed this twice last dispute request was in XX/XX/XXXX. Mariner updated with a balance and delinquency that has been settled.
Product: Credit reporting or other personal consumer reports

This is a formal complaint regarding Experians failure to properly investigate disputes related to inaccuracies on my credit report. Despite submitting three disputes, Experian has failed to : Provide documentation or evidence to show how the disputed items were verified or updated. 

Add the legally mandated " notice of dispute '' to the accounts in question, violating the FCRA. 

I have included copies of my disputes and Experians responses ( or lack thereof ) for your reference.

Experians failure to comply with their obligations under the FCRA has caused me financial and emotional distress.. I urge the CFPB to investigate Experians handling of my disputes and enforce corrective actions as necessary.
Product: Credit reporting or other personal consumer reports

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act.
Product: Money transfer, virtual currency, or money service

Cashapp refuses to find my money transfer that was sent back to them on XX/XX/XXXX. 

XXXX has stated that on XX/XX/XXXX they processed {$2500.00} from my bank. My bank has called XXXX and my House of Representative have called XXXX as well. 

XXXX has stated that " CashApps needs to contact XXXX to process my funds back to my account. '' Cashapp keeps telling me that my bank needs to call XXXX. 

Cashapp has refused in my XXXX other fillings to contact XXXX.
Product: Credit card

FOLLOWING ARE TWO DISPUTED CHARGES ON " XXXX XXXX XXXX XXXX  ''. 
XXXX XXXX ( RETURN FLIGHT PORTION OF ROUNDTRIP FLIGHT TICKET ) XX/XX/year> : CASE # XXXX, {$19.00} ( INFLIGHT WIFI SERVICE, XXXX XXXX ) NON-TRAVELED FLIGHT, REFUND ISSUED ( ATTACHED DOC.. ) XX/XX/year> : CASE # XXXX, {$140.00} ( FLIGHT COST ) - ( BAGGAGE FEE {$65.00} FOR ONE CHECKED BAG ON THE FLIGHT ) REFUND NOT ISSUED- SAME FLIGHT WITH WIFI SERVICE REFUND ISSUED REFUND WIFI INFLIGHT SERVICE ( {$19.00} ) ON NON-TRAVELED RETURN FLIGHT ( NO DOCUMENTATION NEEDED FOR REFUND )! 

MY FLIGHT COST REFUND ( {$140.00} ) SHOULD BE GIVEN SAME CONSIDERATION AS WIFI-INFLIGHT SERVICE REFUND!!
Product: Debt collection

I first became aware of the Portfolio Recovery Associates collections after reviewing my credit report in XX/XX/2017. Prior to XXXX I had no communication with PRA and was not aware of the collection. Upon requesting verification of the debt, I was told that they had sent communication to an obsolete address. I have lived at my current address for 7 years and can provide proof of residency. I was told by PRA that the original creditor was XXXX, although XXXX is aware of my current address. I am confused as to why they would attempt to send communication to an old address when XXXX was aware of my current address. I do not think it is right to enter collections on my report without providing me with an opportunity to validate the debt and ensure accuracy. I was not allowed to properly exercise my debt validation rights under the FDCPA. After researching this company it has come to my attention that although I was never sent any information regarding this debt the company called me repeatedly but never left a voicemail indicating who they were. I have had absolutely no communication with Portfolio Recovery Associates until I called to inquire as to why they were listed on my report. The customer service rep that I spoke to was very rude and accused me of lying about the accounts. I asked to no longer be contacted via phone and that all correspondence be sent through U.S. Postal service. In my initial request for validation in XXXX, I received what I believe to be inadequate validation. In their validation they merely included a blank credit card agreement ( that was not signed by me ) and a copy of 3 months of statements, none of which reflected any activity. I am not requesting a verification of your records or a verification of the credit card company 's current policy. I am asking for proof that I incurred this debt, how much was incurred and that you have the right to collect it. Proof of my liability is my legal right under the FDCPA.
Product: Debt collection

I had a Mortgage Payment of {$780.00} a month with FlagStar, XXXX XXXX XXXX during Covid, stuck with tons of business debt and Credit Cards. Flag-Star agreed to Covid Forbearance, move all missed payments to backend of loan with XXXX XXXX XXXX XXXX  dropped my payment from {$780.00} to {$650.00} a month. Then Flag-Star sold my loan to a Debt Collector XXXX now XXXX  wont honor Flag-Stars Agreement. XXXX wants {$10000.00} up front, up my payment to {$1200.00} a month from {$650.00} and added 10yrs to my loan. I cant even pay the bills I have now.
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 my 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 MONTHS REPORTING LATE 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.

This company 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.