23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Freedom Mortgage has been pure XXXX to work with on getting my deceased father 's house out of probate. They have given confusing instructions. I was appointed as Personal Representative by the Second District Court of the State of XXXX  in XXXX Utah  for my father on XX/XX/XXXX. I confirmed on XX/XX/XXXX that Freedom received the required probate documents. We spent a week of getting nothing but roadblocks as I tried to resolve the situation. The plan is for me to take a hardship withdrawal from my XXXX XXXX  though XXXX administered by XXXX. I've requested a breech letter, so that my XXXX can release the funds. This is a VA backed Loan and the loan technician is XXXX XXXX and she has been great to work with, but she can only do so much Freedom Mortgage needs to provide the documentation needed for me to bring the mortgage current. I called Freedom Mortgage multiple times. On XX/XX/2023 I talked with a representative and I Identified myself as my Father 's representative through probate. She said I needed permissions from the co-borrower. Per the VA there is no co-borrower. Per the Second District Court of the State of XXXX  I am the representative of the only borrower on the loan. The late XXXX XXXX XXXX XXXX. The probate case number is XXXX and is filed at the XXXX XXXX XXXX XXXX XXXX XXXX Utah at XXXX XXXX XXXX XXXX Utah XXXX. This is a direct violation of the court order. They later required me send a copy of my Driver 's License. Something the first representative, whom later hung up on me never advised me, Their e-mail system sent me multiple rejections on the e-mail for the driver 's license image. I am the XXXX XXXX  in XXXX of the deceased and only borrower and have Power of Attorney on my his surviving spouse. Me and My Mom want to assume the loan, and I have access to the funds to assume the loan. Freedon Mortgage does nothing but drag out the process, give confusing and contradicating instructions. it's almost like they want to foreclose on the home of an XXXX  veteran 's widow so they can resell the property at a higher interest rate and my family loose everything. We need Freedom Mortgage to comply with the requests that both myself and the loan agent at the VA have requested, and we need it done in the next few business days.
Product: Credit card

I received a letter saying : " If you want us to review your application for the XXXX  XXXX VISA Signature card please remove the restriction on your consumer report and call us in the next 30 days. '' The bottom of the page has printed : " Bank of America and the Bank of America logo are registered trademarks of the Bank of America Corporation. Bank of America, XXXX XXXX FDIC. XXXX XXXX  '' XXXX ). I didn't apply for this card. 
XXXX ). It was sent to our previous address and forwarded to me. 
XXXX ). I haven't had a Bank of America account since XXXX. 
XXXX ). I tried calling BofA ( not the number on the letter ) and couldn't access help because I'm not an account holder so I couldn't get past the opening message XXXX  .extremely frustrating! 
XXXX ). The number listed on the XXXX  XXXX XXXX letterhead is XXXX and I'm not going to call because I think this whole thing is possibly a fraud. 
XXXX ). There are 2 different sizes and fonts used in the body of the letter.
Product: Mortgage

We bought XXXX XXXX XXXX XXXX XXXX nm XXXX on a wrap around mortgage land contract, we were told the payments and balances mirror the actual mortgage and payments will be done through escrow ( XXXX XXXX in NM ) and drafted by attorneys ( XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, reg agent of XXXX XXXX, also both real estate brokers.
At closing the title company does not give accounting of some money around 2700 $ disbursed. Aparently it was given to the buyers not through escrow but to them directly, The companies involved are Nationstar ( HUD mortgage wherein I am named defendent in foreclosure action as owner ) and title company ( XXXX XXXX XXXX XXXX of no defect on title yet it was in default and not disclosed ) and escrow company ( XXXX XXXX ) We are claiming Nationstar artificially brought about a due on sale clause to force a foreclosure.
We were asked by Nationstar ( and I believe they are selling to another mortgage ) that they will let us assume and modify the loan and we sent all the financial documents except fior their last requirement, they wanted us to take title to the property from the mortgagors, XXXX XXXX  and XXXX XXXX, so that they complete the modification, and since they mortgagors who have not paid the mortgage since 2008, took a long time, we finally got the deed and sent them the copies of recorded deeds.
they said that they needed this paper to modify and eliminate the foreclosure action. and in their letter it says also that they needed this so the XXXX ( mortagors ) do not have any redemption rights (? ) Instead of doing the modification, they sent the file to the legal department. And refiled the foreclosure action.
We were recently advised by the courts paralegal division that the mortgage has a due on sale clause and that changing the title to us, was a factor triggering the due on sale clause.
We are perplexed, did Nationstar did this intentionally to make us trip to the due on sale clause? This should strike their remedies on that clause since if their motivation was not the result of the mortgage alternative program in court, but a way to strike out the XXXX 's and extort full cash payment from us being that we are the only party paying on the mortgage through sunwest trust, and that nationstar accepted payments, was that a trick to get all the money that the bank already got from My mother and I comingled into their mortgage loan? Nationstar has been taking mom 's money, XXXX ' did not pay since 2008 They can not foreclose and deny modificaiton to us, they extended that offer to us in court, see court documents and modification letter to us. I am submitting another mortgage modification to them today, they can not go after any due on sale or accelerate a balloon pyament on our Real estate contract, since it was done in bad faith.
The REC mom has with the mortgagors is protected under the safe act since the mortgageors used mom 's money, when the mortgage returned some of it to her to flip more than 3 o4 poroperties a year while they had a REC. there should be no balloon or one that could be created with an artificial due on sale acceleartion in bad faith by the bank.
Product: Checking or savings account

I'm filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. On capital one 's mobile app it cites technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX )
Product: Debt collection

XXXX. 
15 USC 1692 15 USC 1605 I am not liable for this debt with amshercollectionservices I do not have a contract with amshercollectionservices they did not provide me with original contract as requested.

Correction to my credit report. I demand this account be removed from my credit report.

This is not my account .I have no knowledge of the account
Product: Debt collection

This debt was attempted to be collected by Afni last year they could not prove I owe the debt because I do not owe the debt had to be removed from my credit report. They have since sold the debt after removing it a month ago to XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX for {$1200.00}. They are now reporting this bogus debt to my credit report.
Product: Credit card

We have a credit card with Synchrony Bank ( a GAP credit card ) that we pay automatically, through their system, directly debited from our bank account on the due date. This past month, Synchrony received payment on XX/XX/XXXX at which time the funds were deducted from our account. But, even though Synchrony had our funds in their possession on XX/XX/XXXX, they 'put a hold ' on our payment as a 'random fraud protection ' measure, giving us no credit for the payment they received, effectively reducing our available credit to XXXX. This resulted in charges we made after XX/XX/XXXX being declined - and of course we were never notified of the declined charges or of Synchrony 's actions. Now, the seven days of their 'random hold ' are up, and we still are showing no credit availability, even though they have had our funds for seven days. We have never experienced anything like this from other credit cards in our 30 years of credit card experience. Is there something that can be done?
Product: Mortgage

XXXX XXXX as Dovenmuehle transferred our mortgage to a new servicer while we were in a XXXX forbearance plan and failed to provide accurate data to the new servicer ( XXXX XXXX ). 

Now we are being threatened with foreclosure even though we had already started making payments to XXXXDovenmuehle XXXX 

The new mortgage servicer -XXXX  XXXX has stated that they have NOT received the complete and accurate data on our mortgage account which is causing serious financial issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

However I have not had any account and inquiries with this companies. I dont believe that this account are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I dont recognize these debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I was involved in an auto accident and the insurance company paid off the balance of the car. I believed that I was finished at this point. However, Honda also contacted me with a remaining balance in XX/XX/XXXX which was promptly paid off. Here 's where things get confusing. In XXXX of XXXX, Honda reported that an account has been charged off with a balance of XXXX, four years after the account was already paid in full. I have a perfect credit history and this is the only negative thing that was reported and prevented me from getting a loan. I called Honda on XX/XX/XXXX speaking to XXXX XXXX and here is what he claimed. He said that the insurance did not cover everything after the accident and that there was a remaining balance. Honda allegedly sent out 1 ( yes only 1 ) letter stating the remaining balance owed in XXXX of XXXX. They have refused to provide a copy of this letter. They also said they made several phone calls but no one answered. Again they refuse to provide any record of these calls. They claim that they will have to be subpoenaed through the court. It makes no sense that an account can be paid in full in XXXX then reported as a charge off in XXXX.
Product: Money transfer, virtual currency, or money service

I have been using Wise for the past years, but they suddenly closed my account without notice. I kept all my savings in my Wise USD account. I appealed the decision, but Wise told me they could not reopen my account and would refund my money. I was told that the return process could take XXXX days. However, XXXX weeks have passed and I have not yet received my refund. I tried to contact support, but it didn't help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello CFPB my name is XXXX XXXX I am a consumer practicing my legal rights I have created in dispute With Experian in regards of some increase the ID not authorize I have mailed Experian a dispute in regarding those inquiries I have called by phone Experian directly and asked him for my permissible purpose documentation signature in order for those inquiries to be posted on my consumer credit report there was no permission mail to the consumer My understandings Any consumer agency needs to send a written notification to the consumer notifying to the consumer. any activities on the consumer credit report this is called fraud 15 US C 1681Q explains it is unlawful If a consumer mention to a credit bureau of the in accuracy and performs an investigation when the investigation is not being performed
Product: Credit reporting

I tried to dispute the date with Experian of the XXXX account. It should be the filing date and not the discharge date. There should be no collection activity, balance history, status date past XXXX I tried to have this corrected but I Experian is asking me to send id when I have disputed items in the past with them. This is an attempt not to investigate by inconveniencing us. I want to be able to dispute online. If they did thorough investigation I would not have to request reinvestigation. I have been back and forth with Experian and errors on my file since XXXX. They have not done their due diligence. At this point if they do not correct the date to filing date of XXXX I want the item deleted.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX BALANCED {$0.00} XXXX  XXXX XXXX BALANCED {$1000.00} XXXX XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX BALANCED {$810.00} XXXX XXXXXXXX BALANCED {$790.00} XXXX XXXX XXXX  XXXX BALANCED {$0.00} XXXX  XXXX XXXX BALANCED {$420.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX BALANCED {$490.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to dispute showing balances settled would not let me told to file a complaint with consumer protection
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 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Negative Items Left Account Name : 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/year> XXXX XXXX XXXX XX/XX/year> :
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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 XXXX days 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 XXXX days before the payment due date. 


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 XXXX  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 XXXX
Product: Debt collection

Subject : Dispute of Account - Identity Theft Dear Department of EducationXXXX XXXX I am writing to inform you that the following account does not belong to me and was opened fraudulently using my personal information : Account Number : XXXX I am a victim of identity theft. I did not authorize the opening of this account, nor have I made any charges or received any benefits from it. I have already filed a police report regarding this matter, and I am also reporting this incident to the Federal Trade Commission ( FTC ) at IdentityTheft.gov.

I request that you immediately investigate this fraudulent account and close it. Please provide me with documentation confirming the closure of the account and verifying that I am not responsible for any charges or debts associated with it. I would also appreciate it if you could provide me with any information you have regarding the individual ( s ) who opened this account in my name.

I have enclosed copies of the following documents to support my claim : Copy of Police Report Copy of FTC Report Copy of Identification : Driver 's License, Please be aware that under the Fair Credit Reporting Act ( FCRA ), you are required to investigate disputed accounts and correct any inaccuracies. I expect your prompt attention to this matter. 

Thank you for your time and cooperation. I look forward to your response within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter to the credit bureaus about inaccuracies and unknown items on my credit report. I have yet to receive a response, even though it is now the XXXX day. I feel as if I'm being used and that my concerns are being discarded. Failure to investigate these items within 30 days, as specified in Section 611 ( a ), is grounds for immediate removal of those items from my credit report. They should be removed as soon as possible because it has been over 30 days. I demand that these accounts be removed immediately, or I will pursue legal action as a result of the stress you have caused me. My knowledge was also exposed to the Equifax data breach, and it may have ended up in the wrong hands.
Product: Debt collection

I am writing to dispute the following information that appears on my XXXX report from XX/XX/XXXX : JPMCB CARD Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$6100.00}. 
This account is being inaccurately reported as charged off with an outstanding balance. Please provide documentation of the charge-off and either update the balance to {$0.00} or remove the negative payment status from this account. 
Please reinvestigate this matter and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I personally signed and sent this letter.
Product: Credit card

On XXXX, XX/XX/year> XXXX charged me a {$30.00} late fee. Per the CFPB late fees are not to be charged if the due date falls in a XXXX XXXX, or a holiday. And as long as the payment is received the next business day by XXXX.
Product: Credit reporting or other personal consumer reports

ON THE FOLLOWING DATES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MULTIPLE INSTITUIONS AND COMPANIES HAVE INQUIRED INTO MY CREDIT FILE REPEATLY WITHOUT MY EXPRESSED PERMISSION I HAVE NOT GIVEN ANY OF THESE FINANCIAL COMPANIES WRITTEN AUTHORIZATION OR PERMISSION TO INQUIRE INTO MY FILE .THESE INQUIRES ARE THE RESUALT OF FRAUD AND ID THEFT PURSUANT TO THE FAIR CREDIT REPORTING ACT 15 USC SECTION 602 THIS IS A CLAER VIOLATION MY RIGHTS AND THIS COMPANY HAS NOT CORRECTED THESE. ERRORS
Product: Debt collection

CBE Group sent a letter verifying that the debt was valid. However, XXXX has verified that there was never a past due and has corrected the balance to XXXX. I spoke with a representative at XXXX office of the president ( XXXX XXXX XXXX now ) and the balance was removed. I have attached the initial account cancelation email, as well as the email showing that the balance was XXXX and a refund was issued for the remaining balance. XXXX has credited the account with the inaccurate balance to make the balance XXXX again. That email has also been attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Missed multiple calls from XXXX when I called the agent would not identify themselves as a debt collector until gathering personal information
Product: Mortgage

I requested this information on XX/XX/year> and XXXX  for a payout balance so I get a quick sale on my home because they are rude and anytime you call them nothing never solve