23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Freedom mortgage took over our loan without our knowledge. It caused for lots of confusion in where payments were going. We had no idea and were paying both mortgage companies for over XXXX  months. During the transition our home burned down and we were displaced and not regularly receiving mail so I called in multiple times. We were sending payments in to freedom mortgage but it wasnt going to the correct department. We had no idea. They have provided an incorrect address twice in XXXX  years. They also adjusted our mortgage without our knowledge making the auto pay not be enough to cover. They have never been paid late, as all of our payments have been on auto draft from my bank. Ive been trying to resolve this for a year and Ive been sent to several escalation departments or supervisors but no action taken. Ive provided historic payments for 18 months showing money being mailed on the first of each month. When reviewing with customer service they acknowledge that the payments did come in but were not processed timely due to them being in the wrong desk of freedom mortgage. The supervisor corrected the address with my bank for future payment but refused to modify the adverse reporting. He also share that there was some type of late charge that had been carried over from a previous mortgage when they took my loan. Ive never been told of that but its whats been reported as over 90 days late and transfers month to month. Im in dispute about the {$440.00} late fee and refused to pay it with clear explanation to validate it. That could not be provided. We have over XXXX in equity in our home and recently experienced life altering circumstances forcing us to request equity. Because the the adverse reporting, we are unable to access our equity and when trying to get away from Freedom mortgage, no one will take us due to the late payment reported. The supervisor I mentioned advised me to report this to the credit bureaus and even gave their address and process for adverse reporting. He said he was looking in the notes and could clearly see the problems but was not able to modify on his end but the investigation would show it when they called and it should be corrected. XXXX XXXX reached out but said that I need to get freedom to change it so thus nothing is being done and my family remains in dire need to access our equity. Please help us!!!
Product: Checking or savings account

So my mom passed away and I was asking for donations on go fund me had some people make donations and I had those donations deposited in my chime checking account and I also have a credit builder account with them and yes the credit builder was in the negative so I shut off the easy pay and the automatic transfer so none of that money would be taken for that negative balance so I could put the money to where it was ment to be used but yet when that money came in they took from my checking to pay my negative balance and when I contacted them they stated it was taken because the easy pay was turned on and when I proved them wrong with a screen shot showing it was off they said it was showing off because I just turned it off so they couldn't do nothing for me but I ended my promission they previously had to take the money to pay a negative balance from my other accounts before that money was deposited into my account so they stole money from my moms funeral cost
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, on account number XXXX XXXX  on account number XXXXXXXX XXXX XXXX XXXX on account number XXXX have been reporting false information on my 3 credit reports, which have prevented me from obtaining credit from other companies and/or the correct credit score/report. 

In accordance to FCRA 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose XXXX XXXX account in question has been closed since XXXX  and all reporting data since has been incorrect. It is too old to be reporting to my credit report. it has been currently updated on my XXXX report as XXXX late payments and the current past-due balance of {$820.00}. There can not be an owed balance or late payments reported when the account has been closed since XXXX  The XXXX XXXX XXXX account has been closed since XXXX  and is too old to still be reporting to the credit companies and on my credit report.
Product: Mortgage

I have made numerous attempts with your organization Selene Finance since XX/XX/XXXX to obtain an updated escrow analysis since making payment on XX/XX/XXXX to cover the shortage in the amount of {$2200.00}. 

I have called customer service on the following occasions/dates being reassured that my escrow payment and analysis for the payment for XX/XX/XXXX would be completed after numerous attempts a new analysis has not been completed. You record all calls for training and quality assurance so I am sure you can listen to each and every recorded call. I will not be paying a late payment for XXXX based on your organization 's negligence while I have been doing my due diligence. I will also be filing a complaint with the XXXX XXXX XXXX, Federal Trade Commission, and the Consumer Financial Protection Bureau. 

Calls made : XX/XX/XXXX XXXX XXXX 13 minutes XX/XX/XXXX XXXX XXXX 10 minutes XX/XX/XXXX XXXX XXXX  11 minutes XX/XX/XXXX XXXX XXXX 24 minutes This is absolutely ridiculous and on the initial escrow analysis that was provided your organization did not provide the option to pay the shortage which is illegal. You prey upon people that may not realize nor have the funds to pay the shortage and in economic times as such you are taking advantage and inflating payments that will price people out of their homes. I am truly disgusted over this situation and expect this to be rectified immediately.
Product: Debt collection

There is an item on my credit report under Financial Credit Network showing a date opened of XX/XX/XXXX with a balance of {$230.00}. 

I have previously disputed this item with the 3 major credit bureaus, XXXX, XXXX, and XXXX, and also contacted Financial Credit Network directly to request more documentation regarding this unrecognized debt.

I received a response from Financial Credit Network dated XX/XX/XXXX showing a total balance of {$310.00} which does not match the amount on my credit report. I am not sure how this collection agency came to the conclusion that this is the amount owed and where these additional fees are coming from. 

It also appears that the California License Number application is pending for Financial Credit Network. I have done some research and according to the Department of Financial Protection and Innovation, The Debt Collection Licensing Act requires debt collectors and buyers to apply for a DFPI license by XXXX XXXX, XXXX. Debt collectors and buyers who apply for a license after that date will be required to wait for the issuance of a license before they can operate in California.

If their application is pending, this means they should wait for the issuance of a license before they can operate.

Also, I noticed in the response from Financial Credit Network, they stated the following : " The letter/documentation may contain protected health care information. If you are not the intended recipient, please notify our office and destroy immediately ''.

From my understanding, the U.S. Department of Health & Human Services has more information about Covered Entities and Business Associates and clearly states that a written contract between a covered entity and a business associate must require the business associate to implement appropriate safeguards to prevent unauthorized use or disclosure of the information.

It appears that Financial Credit Network does not have appropriate procedures in place to prevent the unauthorized use or disclosure of Protected Health Information, which would void the Business Associate Agreement.
Product: Mortgage

I bought my home XXXX. Mr. Cooper became the third company to service my loan beginning XX/XX/2018. They are raising my escrow based on last years taxes from another owner who did not live on the premise. I have sent Mr. Cooper the correct tax amount from XXXX Sc website, but they will not review it until XX/XX/XXXX. Therefore my mortgage has increased from {$330.00} to {$460.00} and it is difficult for me a senior living off of a fixed income. 
Companies should not cause hardship to consumers especially when it is brought to their attention and it takes someone to take a moment, make a phone call and correct the situation. 
My account number is XXXX
Product: Debt collection

I quit paying XXXX XXXX because I have. XXXX & lost my job. This is an very old debt and this cdebt collector will not say who they are & want they want without making me answer questions that they say is being recorded. It 's White Hammel & Something out of XXXX. For years they have called me & threatened to sue me. They said my debt will never reach a time when is it expires. How long can this go on.
Product: Credit reporting or other personal consumer reports

Remove all ID THEFT FRAUD inquires AND accounts related to these accounts per FCRA : THEFT INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL ADDRESS DOCUMENTS 2 forms of ID, bank statement, police report, XXXX XXXX XXXX REPORT and validation attached. this is now escalated to courts for fines related to multiple violations
Product: Credit card

In XX/XX/XXXX, I recevied a statement in the mail with a number of charges that I did not recognize or make. I called the card company and reported fraud. they offered a tempoary credit while they investigated the issue. In XX/XX/XXXX, I received a statement in the mail for a partial credit, and was asked to pay a balance of {$340.00}. The company is saying that I am liable for these charges even though I did not make them. The breakdown on my statement is as follows. XXXX XXXX {$160.00} ; then XX/XX/XXXX ( {$120.00} ) then XX/XX/XXXX {$50.00}. 
I do not shop at the stores where these purchases were made and did not authorize or make these purchases. I have called the compnay at least 3 times to explain and dispute these charges to no avail. The last time I called was XX/XX/XXXX. I called in XXXX and asked for further investigation on this matter and never received any additional information. Can The company can pull the signature of the receipts as part of the investigations? if so, would like to request it so that it can be further proven that these are not my purchases.
Product: Checking or savings account

I had lost my phone, debit card, and my email was hacked XXXX XXXX has charged unauthorized charges to my debit card, I have reported to Bank of America and this issue has not been resolved or investigated, I have contaced the merchant for signed receipts was never provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

Small Business General Correspondence Credit Card and Line of Credit Capital One Attn : Credit Card Fee Dispute Resolution XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX : Credit Card Late Fees Please Rescind Late Fees and Credit Service Reports We remain pleased with the services we are receiving through Capital One Credit Card Services. 

Please note an error in the credit card payment fees that we wish to address : We inadvertently made charges on two of our Capital One Business Credit Card accounts on cards that we do not use and in general, do not track. 

The charges on these cards should have been on another of our Capital One Business Credit Cards. 

The cards that were charged in error : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX The cards that we regularly charge on : XXXX XXXX XXXX XXXX Average of {$40000.00} per week in charges XXXX XXXX XXXX XXXX Average of {$1800.00} per week in charges With an annual charge on our Capital One Business Cards over {>= $1,000,000} annually and an unblemished payment record on both of these cards since XX/XX/2016 : Please Rescind the Late Fees and clear the Credit Service Reports on the late payments on the first two cards ( # XXXX, # XXXX XXXX. 

Finest regards, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Last 4 Digits SSN # : XXXX / DOB : XXXX Reason : Request to Describe Method of Verification To Whom It May Concern : XXXX XXXX XXXX - XXXX I Have Not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX. I may presume that no proof of the alleged debt, nor therefore any such debt in fact exists. '' I am writing to request the Method of Verification for the dispute account above in which you " Verified ''. I previously disputed this account. I don't agree with the results of your investigation. Please mail in proof of your investigation by sending the following information used to verify the validity of the account listed above or delete this account immediately. 

The name of the original creditor The creditors address and telephone number The person 's name they verified the dispute with The documentation used to verify the dispute If I don't get proper documentation I will be filing my complaint at : www.consumerfinance.gov/Complaint/ and www.ftccomplaintassistant.gov/ and XXXX Also this letter shall be used as evidence in pending litigation provided you fail to comply under the FCRA. 

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 



Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I requested to formally request the blocking and deletion of all fraudulent accounts related to me under the provisions of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ). As a victim of the Equifax data breach, my personal information has been compromised and used without my authorization to create fraudulent accounts.
Product: Credit card

Several issues I had to put into affect the account assurance. Do to a XXXX. I've been charge every mo to use that benefit as well as payment being missed on top them paying the payment I pay myself the rate ever mo seems to be going up as well as the payment to the XXXX XXXX so the amount I pay and the amount they pay does not bring down the rate or the mo charge for the insurance. The last payment they paid was XX/XX/XXXX. The due date was XXXX  XXXX. I'm not sure how they came up with that payment. If I did not pay out my pocket, it would be late. As of this mo they have not paid this mo payment, but I paid XXXX if they wait until the last min to pay the interest goes up along with the fees fir the XXXX ins.ive contacted them several time for a printout of the interest and payment history of both the ins and the credit card they have refused to send as of today..
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Immediate Cease and Desist Unauthorized Reporting and Violations of Federal Law To Whom It May Concern, This letter serves as formal notice and demand for the immediate removal of account # XXXX from all credit reporting agencies. XXXX XXXX XXXX XXXX and the credit bureaus have violated the following federal laws : 1. 15 U.S.C. 1692c Unlawful Communication : XXXX XXXX XXXX XXXX and the credit bureaus have unlawfully communicated regarding this account in a manner that is abusive and harassing, violating my rights under the FDCPA. 
2. 15 U.S.C. 1692g Failure to Validate Debt : XXXX XXXX XXXX XXXX has failed to validate the debt as required by law. No verification has been provided, and this account must be removed from my credit report immediately. 
3. 15 U.S.C. 1681e ( b ) Inaccurate Reporting : The information reported by XXXX XXXX XXXX XXXX is inaccurate, and they have failed to properly verify the account, violating the FCRA. 
4. 15 U.S.C. 1681 ( a ) ( 2 ) Duty of Credit Reporting Agencies : As credit reporting agencies, you are legally required to report only accurate and verifiable information. Your failure to remove this unverified account constitutes a direct violation of federal law.

5. 15 U.S.C. 1637 ( 2 ) ( 9 ) ( A ) Unlawful Debt Collection Practices : XXXX XXXX XXXX XXXX has no legal standing to report this account, violating multiple laws regarding debt collection practices. 
6. 15 U.S.C. 1681s-2 ( a ) ( 3 ) Failure to Investigate : As required by the FCRA, you, as credit reporting agencies, have failed to conduct a proper investigation into the accuracy of this account. This is a violation of the law, and you will be held accountable.

I demand the immediate removal of this account and the cessation of all reporting to the bureaus. This account must be deleted from all credit reports within 24 hours of receipt of this letter. Failure to comply will result in immediate legal action, including arbitration and a lawsuit for damages, legal fees, and punitive damages. 
This is not a request ; it is a demand for immediate action. If this matter is not resolved within 5 days, I will initiate legal action without further notice. 
Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I paid off my vehicle, in full, in XX/XX/XXXX. I called Chase Auto in late XX/XX/XXXX, a month later, to ask when I would be receiving the title to my vehicle. That was when they notified me that the title had been mailed out over a month ago, via standard USPS mail. The agent essentially told me that the title must have been lost in the mail and that I would need to go to the DMV here in California to apply for a new title. 

I asked the agent why they would send such an important document, such as a car title, via standard USPS mail, with no tracking, especially during a pandemic. The agent said it was " standard procedure ''. 

They then proceeded to tell me that if I wanted the title to be delivered with tracking, I would have had to call and request that, and pay a {$6.00} fee. None of which I knew, because I was never sent a notification, and this is my first time financing. I just assumed a bank as large as Chase would use common sense and have a shred of decency to mail it in a secure method. 

After my conversation with them, I went on to learn that instead of me having to go to the DMV, an obvious inconvenience, and have to pay a new title fee, CHASE could have applied for a duplicate title via US mail, however, that option was NEVER given to me when I called them. They were simply passing the buck to me. 

I called back again to explain this to them and ask why I was essentially lied to. The agent I spoke to, XXXX, was unhelpful and combative. So I asked to speak to a Manager, but was left on hold, purposely I suspect, for well over a half hour. 

Chase Auto Finance is the WORST. Mind you, I paid my vehicle off, in full, a year and half early. I also was never late, nor missed a payment. Horrible company. 

This issue is still ongoing and unresolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled a copy of my updated credit report and noticed that there are 3 hard inquiries that I never authorized or have no knowledge of. I DEMAND that Experian properly verify these unknown inquiries and provide proof of how these inquiries were verified. If Experian ca n't provide the proper documentation then these inquiries must be REMOVED from my credit report. The inquiries are : XXXX XXXXXXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX  XXXX/XXXX/XXXX
Product: Debt collection

someone used my stolen identity information and created several accounts including this one from getting services and things that i was not apart of yet the information that was stolen was used this account is fraudulent and from id theft and needs to be taken off asap
Product: Credit reporting or other personal consumer reports

I asked for verification of accounts on my credit report, and that the method of verification be sent to me I was generated a response saying verified but no information on how the account was verified. I received absolutely no contact billing statement etc regarding this account and ownership. This is a violation of my rights by fcra law
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to the FCRA, the account below has violated my protected consumer rights provided by the federal state under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX # XXXX 15 USC 1681 section 602 A States I have a right to privacy. 15 USC 1681 Section 604 A section 2 further states a consumer reporting agency CAN NOT furnish an account without my written instructions. I have not given any such permissions or authorization to furnish the above account on any of my credit reports. Being the litigious consumer that I am, I am confident that we can have this item removed before any court suit documents need to be filed.
Product: Student loan

XXXX or the FedLoan Consolidation Department, sent me a letter stating I must urgently change my loan provider ( during a national pandemic ). They used words like due to Covid the current administration might get rid of student loan programs You must enroll now to be forgiven under the department of Education. This is false because they are charging an {$800.00} fee to be paid in 3 payments in order to join their program plus a {$39.00} a month fee for 240 months. This is a scam and should not be placed or forced on civil servants. The guy XXXX XXXX also told me I can contact him directly and the number is no longer in service.
Product: Money transfer, virtual currency, or money service

Someone closed my Citizens bank account XXXX fraudulently, using my information without my consent and transferred my money in the amount of XXXX to XXXX XXXX XXXX to an account. 
I called Citizens and they said they verified the information and I did not verify information and I do not have an XXXX Account. 
I called XXXX and spoke to a man named XXXX who could not give me any information about my account. The reference # for our conversation is XXXX. 
I am looking to find my money and get it back. 
I did not give anyone permission to use my information. 
My identity has been stolen in the past. I have let the local police know and I tried to submit an FTC report and it would not go through, Please help.