23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I sent Notice of Error letters pursuant to 12 CFR 1024.35 on XX/XX/XXXX, and XX/XX/XXXX, to Fay Servicing. 

Fay Servicing sent the enclosed response letter dated XX/XX/XXXX, without correction of any of the errors or mentioning anything about the invalid notice of pendency. 

In the state of XXXX XXXX foreclosure and sale can not take place without a valid notice of pendency. I requested to cancel the foreclosure sale scheduled for XX/XX/XXXX, at XXXX XXXX due to there being no valid or active notice of pendency filed with the court which are violations of CPLR 6511, CPLR 6513 and RPAPL 1331. 

A notice of pendency was filed in this on XX/XX/XXXX, and then it later expired without extension on XX/XX/XXXX. When a notice of pendency is filed in the county where the realty is situated ( see CPLR 6511 ) it is effective for three ( 3 ) years from the date of filing ( see CPLR 6513 ). 

The extension, however, [ m ] ust be requested prior to the expiration of the prior notice. No one made a request to the court to extend the notice of pendency that was filed on XX/XX/XXXX, which was required prior to the XXXX ending period. 

The notice of pendency expired by operation of law. ( See CPLR 6513 ). The statute is clear that an extension of notice of pendency [ m ] ust be applied for, granted, recorded, and indexed before the expiration of the prior three-year period. ( See CPLR 6513 ). That was not done. 

XXXX XXXX requires that a valid notice of pendency be filed at least XXXX days before a final judgment directing a foreclosure sale is rendered, and it is a prerequisite for a valid judgment and sale. That was not done. 

In the state of New York, a judgment of foreclosure and sale ( which is what allows a foreclosure sale to be conducted ) can not be awarded unless a valid notice of pendency ( XXXX XXXX ) has been on file with the court at least 20 days before that judgment is rendered Moreover, Fay Servicing did not advertise the property for sale in a local newspaper in accordance with RPAL section 231 prior of the foreclosure sale date of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need you to investigate the following accounts you claim to be accurate on my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX  This is a collection/charge off how can there be a late paymenXXXX on it? This a Violation. Delete this account immediately Please show me detail documentation including an application signed by me otherwise delete this unverifiable inquiry from my credit file.
Product: Credit card

Fraudulent purchases were made and Citibank will not take the fraudulent charge off.
Product: Student loan

I applied for XXXX in XXXX XXXX XXXX and received a letter from the Department of Education that I qualify and my payments just needed to be counted. 

I then got transferred to XXXX in the summer of 2022 and was basically in limbo with them for two years. I have already submitted a complaint about their misleading practices.

I have made more than 120 qualifying payments, but I am missing XXXX, years where I was full time and making payments. XXXX could never solve it and then I got transferred to XXXX XXXX. 

Now that I am with XXXX XXXX and Studentaid.gov is in charge of my PSLF payment counts, still nothing has changed. 

Again, my employment has been certified for the years of XXXX, I made payments during those years and my payments are missing which is preventing payment qualification and that it appears the payment for those years have not been evaluated for XXXX. 

I have contacted both XXXX XXXX and Studentaid.gov multiple times to figure out what is going on and get no answers. 

I would like this complaint to be filed against both XXXX XXXX and Studentaid.gov.
Product: Credit reporting or other personal consumer reports

My information was involved in the XXXX XXXX breach and also the XXXXXXXX XXXX XXXX XXXXXXXX Data Breach and i do not Recognize a lot of theinformation and inquiries on my credit report Listed Below. According to 15 USC 1681 which governs access to consumer credit report records andpromotes accuracy, fairness and privacy of personal information assembled by CRA. 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: Debt collection

Violation of federal codes mentioned below 12 CFR 1026.13 ( Inaccurate reporting ) ( Acknowledgement of debt ) Also has not presented valid proof that I have had or did acknowledge any debt that has been alleged that they think I owe.

This also is a third attempt to report fraud on my credit. There has been numerous reports of unauthorized accounts that have been seen on my credit.
Product: Debt collection

Collection agency and law firm repeated harassment and motion for civil action on an issue that I have repeatedly requested a statement of balance, interest, and fees owed on the alleged debt with XXXX XXXX, copy of the original signed contract. To date I have not received a response.
Product: Debt collection

My identity has been compromised by someone I do not know. Please feel free to contact me with any questions or concerns
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX someone went online and changed my address without my consent through the USPS online system. I was made aware of this change, via ( through ) a credit monitoring service I have with another Credit reporting Agency. ( Bureau ) on XX/XX/2020. On XX/XX/XXXX, I called into Equifax after setting up an account with them, and noticed many changes, in accurate information, as well as old information still being reported, on the Credit Report from Equifax. 
I called into Equifax many times in reference to disputes that I had placed with Equifax, in reference to the incorrect information.. On one of my many efforts to reach a person who could assist, I was told that my disputes were being worked on. The next few times, I was told that Equifax couldn't Identify who I was, the next few times, I was told they couldn't verify if the information I was asking to be corrected was in fact correct and would't place a block as I suggested until this was resolved. In XXXX, I was told to mail in or try to upload supporting documentation or documents pertaining to the information that needed to be updated and or corrected. I submitted a USPS change of address form, copies of identifying documents and court orders of my legal name and their own form to state what I was disputing in the Credit reporting. I did receive some correspondence back from Equifax at my updated physical address in XXXX of XXXX which was after submitting the documentation. however, The disputes of my name, address and some of the reported Creditors, balances, had finally been looked into. However, not all that i disputed, concerning my name and correct and or updated address were resolved, nor were the items reported from the Creditors and some still seem to continue to soft pull my account on a monthly basis. My name was also incorrect on the retail side of Equifax in the areas that works to prevent identity theft, where one purchases a plan from Equifax. I have also explained that someone continues to tamper with the delivery of my mail and that same person also has changed my address back to more than one of my older addresses many times within the last year. 
I have been hung up on a few times with representatives at Equifax in the past also in the middle of a phone call. I have had to call them back many times. 
Since XX/XX/2020 and until my phone call with Equifax today, XXXX XXXX, my efforts seemed to have proved little to resolve the issues. As of today, XX/XX/2020 my name, correct address and other information have been re introduced to an area of where the errors were first However, here now seems to an ongoing issue and Im asking for assistance to have this incorrect reporting stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 I submitted a dispute in hope of correcting information fraudulent account on my personal credit, however ; nothing was ever addressed
Product: Credit reporting, credit repair services, or other personal consumer reports

I am faithfully paying the account with this company..Incorrect late payments on XXXX and XX/XX/2018, not 30 and 60 days late.. Please reverse the late payments, i have a good relationship with this company XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of ID Theft as far back XX/XX/XXXX. I have two entries on my credit report that are a result of that incident 2 collections from XXXX XXXX/XXXX collection on behalf of XXXX entered in on the dates of XX/XX/XXXX for {$990.00} with the account starting with ( XXXX ) and again for XX/XX/XXXX for {$1000.00} with an account number starting with ( XXXX ). Again these are both the result of past fraud. I have have not had any recent activity but I would like these addressed. I have included a police report as well documenting my efforts to show this was not my fault.
Product: Student loan

I received an email from Mohela today XXXX  that states " Our records indicate that we sent your XXXX billing statement less than XXXX prior to your payment due date. Because of this your student loan account has been updated to ensure your successful return to student loan payments ... .Your account has been placed into an administrative forbearance ( meaning no payment is required ) for payments due between XXXX XXXX XXXX XXXX XXXX XXXX.. You are not required to make a payment untiXXXX XXXX XXXX  and your account will not be considered delinquent. '' I didn't receive any notice and therefore paid during these months expecting that a balance was due. My XXXX payment is due XXXX XXXX meaning they repeated the same issue and I didn't get communication until 8 days before my XXXX payment is due.
Product: Mortgage

Our mortgage was sold to Newrez by XXXX XXXX, Newrez started servicing the loan in late XXXX XXXX XXXX My wife and I send separate checks each month for the loan payment, and my wife 's check was processed by Newrez on XXXX ( {$800.00} ). My check for the other portion of the payment was processed on XXXX ( {$1300.00} ). The XXXX checks together covered the monthly payment at the time of {$2100.00}. My wife 's check for {$800.00} was inexplicably applied directly to principal and they showed us as late for XXXX. Her check for XXXX was handled the same, and they showed us late for XXXX. Starting in early XXXX I began calling Newrez customer service to get the issue straightened, once we realized there was an issue. Since we always make our loan payments, and Newrez kept cashing the checks, we were completely confused. The first customer service agent I talked to in XXXX saw the issue with the payments being applied to principal and she said she would get it taken care of. That never happened, and I could no longer get a check to them for some reason through my bank as I had usually done with every other mortgage lender for over a decade prior, so I had to start calling them each month to make my payment. Each time I call I'm told we are more than one payment behind, which simply isn't true based on our bank records and Newrez 's own records, they just keep applying part of our payment to principal each month. My wife and I stay current on our bills and are making all attempts to correct this by working with Newrez but we feel we've run out of options. Newrez is still saying we are behind on payments even though they've happily taken payment in full month after month. Outside of contacting your office and/or a personal lawyer I'm not sure how to get this resolved without refinancing or something, but that doesn't really make financial sense right now. We have taxes and insurance included in our monthly payment, so their accounting errors are affecting our escrow as well. The late payment claims for XXXX XXXX and XXXX XXXX have also shown up on our credit reports. All of this is very frustrating and unnecessary. This month both my wife and I sent checks together in the same envelope, hoping they will at least apply both checks toward our payment. Can your office please provide us with any sort of help with this matter? We are eager to resolve this and move on. Thank you so much for any assistance you can provide. 

*As of XX/XX/XXXX they processed my part of the XXXX payment but told me over the phone today that my wife 's check was not received ( same envelope ). According to bank records her check was cashed by Newrez on XXXX but was never applied to our account though mine was.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to you today to request, once again, to remove the fraudulent accounts and information that I found you report on my Credit File. I have read that I am entitled to protect my consumer rights under the Fair Credit Reporting Act Section 605b, and request to you to remove any fraudulent accounts and information that being opened due to my identity being stolen. I previously sent you a disputed letter last XX/XX/XXXX, with complete attachments of my personal identification documents as well as the ID THEFT REPORT I received from the FTC. Once again, I request of you to please remove the following items off from my Credit File as soon as possible : 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 XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX Owed XXXX {$2000.00} XXXX XXXX  XXXX Balance Owed : {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX Balance Owed XXXX {$2000.00} XXXX XXXX XXXX Balance Owed : {$580.00} XXXX XXXX  XXXX Balance Owed : {$6100.00} XXXX XXXX XXXX XXXX Balance Owed : {$650.00} XXXX XXXXXXXX Balance Owed : {$140.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. I am a victim of Identity theft and the items I am disputing do not relate to any transactions that I have done or authorized. Under the Fair Credit Reporting Act section 605b, please remove the disputed accounts and information from my Credit File as soon as possible.
Product: Credit card or prepaid card

On XX/XX/XXXX, XXXX XXXX from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, ME XXXX ( XXXX ) XXXX ) mailed a cashier 's check ( XXXX XXXXXXXX ) for {$11000.00} to Barclays. XXXX XXXX provided me with a document showing the check was reconciled by Barclays on XX/XX/XXXX. However, the money was never credited to my account. On XX/XX/XXXX, I called Barclays and reported the issue. I provided them the check amount and number and they started an investigation. On XX/XX/XXXX, the company credited a " provisional credit payment '' of {$11000.00}. I received a letter stating the investigation did not produce the check in question so they put the {$11000.00} back onto my account on XX/XX/XXXX. This is reflected on my XX/XX/XXXX statement. On or about XX/XX/XXXX, I reached out again to Barclays and they asked that I fax a copy of the check to them. I did so and they money was credited back to my account. The issue is, I was still charged with late fees for the several months the check was pending. Also, my current amount due for a minimum payment {$670.00} with {$540.00} past due. I called them several times to have the payment amount adjusted to reflect the current balance on the card and also to make the appropriate credits towards any interest and late fees incurred due to the extended timeframe they could not locate the check. They continue to tell me that the balance due is " computer generated '' and they refuse to change it. So, my account has been locked and the company continues to call me to harass me by phone, along with continuing to add late fees onto my balance.
Product: Checking or savings account

On or about XX/XX/XXXX I deposited a check from XXXX XXXX XXXX XXXX in to a Capital One Savings Account at a local branch, an account that transitioned into an online 360 retail bank account without my knowledge. The check required a signature from myself and an attorney who I fired before being mailed the check. My then attorney ceased communication with me and after multiple attempts of trying to reach the other party on the check I signed it in good faith to pay the attorney for reasonable services and opened a savings account at Capital One local branch Bank to protect the other parties assets. 

Without effective investigation, Capital One terminated our relationship after I willing stated the other party refused to communicate with me. About one month after the deposit was made, the other party communicated with me and agreed to go into a branch and sign the check signed, so funds could be released and everyone can move forward with terminating the relationship. 

On or about XX/XX/XXXX the bank froze all of my assets in my checking and savings account due to the signature issue, then deleted the original check and attempted to charge me for {$2300.00} for a withdrawl that was accepted from the institution around XX/XX/XXXX. On or about XX/XX/XXXX the bank listed I made a customer withdrawl in the amount of {$2300.00} when the account was closed. For almost 2 months I have been reaching out to Capital One Bank to find a resolve to retrieve the funds and complete what is required to terminate the relationship. 

Representatives have stated several times they are not releasing the funds and have repeatedly misled me to believe the bank listed on the check can provide a hold harmless agreement form that can be sent to their security department via fax or mailed. 

On XX/XX/XXXX I visited a local XXXX XXXX to obtain the form and the banker informed me after detailed research the form was non-existent. Capital One refuses to communicate with the bank to reverse funds and they refuse to communicate with me on settling the issue regarding this savings account. 

To this date, XX/XX/XXXX I have not heard from Capital One regarding a resolution on this matter, by phone or mail and at this time they are withholding my funds after termination of the relationship.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have used affirm like credit and have paid them off many times. I did not realize every time I used money it was like a new loan so I have like 20 affirm loans on my credit reports They are all paid in full
Product: Credit reporting or other personal consumer reports

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a XXXX violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of purchasing a home. I received my report from the lender and a company called Lexis Nexis Risk Solutions Bureau is reporting an unknown tax lien to my profile. I have never had problems with my taxes whatsoever. I have not been notified by anyone however they put this account in my profile. XXXX
Product: Credit reporting or other personal consumer reports

the accounts attached to this complaint shouldn't be on my credit report I demand they get deleted immediately.
Product: Mortgage

In late XXXX I received a letter from XXXX XXXX XXXX stating that they will be taking over my mortgage. I went to the website and tried to make a payment. When it didn't work I called them and spent an hour on the phone but they could not locate my information. I reached out to the original mortgage company, LOWER.COM / HOMESIDE FINANCIAL who said they would make the payment on my behalf, they said I could just pay them, they would take care of the payment, so I paid them. About a month passes, in late XXXX I sent my XXXX payment to XXXX XXXX XXXX  for my XXXX payment, however they applied it towards XXXX, since LOWER.COM - HOMESIDE FINANCIAL never sent the payment as promised from late XXXX. I spent dozens of hours speaking to dozens of people at both Mortgage companies, emailed dozens of times. Now the new Mortgage company is harrasing me with multiple phone calls each day demanding the payment I made but LOWER.COM - HOMESIDE FINANCIAL paid it so late, the new mortgage servicers RECEIVED MY MORTGAGE PAYMENT FOR XXXX ALREADY, but applied it to XXXX. They applied the funds sent from LOWER.COM HOMESIDE Financial to back-office monies that they owed them from the transfer of the mortgage. When LOWER sent the check they did not write in the memo it was for XXXX, the funds were misappropriated, and I have now paid 3 mortgage payments in less than 60 days, XXXX is saying the recent payment is 22 days late, now wants another payment for XXXX. They are doubling down on me and trying to sweep the mortgage payment I made in late XXXX under the rug. The constant phone calls and letters are causing me undue stress and its unnecessary. Its due to the original Mortgage company excersizing deceptive business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX  account # XXXX has violated my right 15 usc 1681 section 602 state i have the right to privacy 15 usc 1681 section 604 a section 2 : it also state a consumer reporting agency can not furnish a account without my written instruction 15 usc 1666B ; a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose