23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We purchased our home on XX/XX/XXXX and used XXXX XXXX  to service the loan. XXXX   transferred the loan to New Rez. 

New Rez took over servicing the account in late XXXX or XX/XX/XXXX. Please see document XXXX, which shows a new loan effective date of XX/XX/XXXX and an escrow payment of {$920.00} with an effective date of XX/XX/XXXX with a transfer date of XX/XX/XXXX. Hence the confusion of late XXXX or XX/XX/XXXX. The taxes were due XX/XX/XXXX. Please see document XXXX attached. The taxes owed if paid on that date would be {$5900.00} ( 3 % discount ). 

I closed my re-fiance of my home with the VA ( XXXX ) on XX/XX/XXXX. To my dismay, during this closing time period, it was told to me that our taxes for the home had not been paid for XXXX. 

I called NewRez in late XX/XX/XXXX to confirm that they had not been paid, though there was ample funding in the escrow account. They could not confirm it over the phone, but said I would have to email them ( XXXX ). As the date I was closing on my re-finance was imminent, I could not afford to wait for a response via email. I was told to send them the information and await a refund. 

At closing, I confirmed the taxes owed were {$6400.00} including a late fee of {$240.00}. Please see document SEC-PO-Taxes good to XXXX. 

I paid this amount on top of my closing costs. Please see attached check from the title company and a statement that my taxes have been paid in full for XXXX. 

I feel that the late fees and loss of discount on the taxes should be covered by Newrez. I am owed the difference of what I paid {$6400.00} and what should have been paid {$5900.00} on XX/XX/XXXX for a total of {$430.00}. 

NewRez should have paid my taxes in XX/XX/XXXX when they took over the account, because of this, I lost the discount for paying for the taxes and I had to pay late fees on the owed taxes. 

I emailed this demand to New Rez on XX/XX/XXXX. They responded on XX/XX/XXXX, stating that because they did not have 30 days notice to pay the taxes, the taxes should have been paid by the previous servicer Fairway. 

I contacted XXXX ( XXXX ) on XX/XX/XXXX. On XX/XX/XXXX, they responded saying that when the loan was transferred, it should have been paid by the new servicer. 

On XX/XX/XXXX, I requested the documentation that New Rez used to make their decision. Basically I just want to see the regulation or law that says they should be allowed a 30 day leeway as they seem to believe they get and XXXX disagrees. I have not received a response and am now filing this complaint on XX/XX/XXXX. So here we are with two servicers pointing fingers at each other and no remedy for me. 

I reviewed the regulations and the federal law, which brought me to you. 12 CFR 1024.34 ( a ) says that the servicer shall make payments from the escrow in a timely manner to avoid a penalty. This seems to indicate that since New Rez was the servicer when the taxes were due, they should have made the payment. There does not seem to be a courtesy of 30 days from when taxes are due. The regulation seems clear. See also 12 U.S.C. 2605 ( g ) " the servicer shall make payments from the escrow account for such taxes ... ''
Product: Debt collection

Forster and Garbus is going after me as retaliation for being named in a CFPB lawsuit in actions from 2018 and 2023 based on my statements to a CFPB rep.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid my account off with world finance and was told that if payment was that they in turn would delete from credit bureaus accounts are still showing delinquent payment status nothing has been changed
Product: Debt collection

I volunteered XXXX for my sister. She was going XXXX at XXXX. The XXXX there coordinated for me to undergo XXXX at XXXX XXXX for the XXXX. Upon arrival and registration, the admissions and registration personnel refused to acknowledge my orders from the XXXX office at XXXX to bill them and they in turn would bill XXXX and my sister 's insurance for all XXXX. XXXX then billed me for XXXX and the '' reading '' of results. I sent them copies of my documents from the XXXX XXXX XXXX AND XXXX. They then turned the matter over to AFNI for collections. I again submitted all documents concerning who should be receiving the bills to AFNI for removal from collections and off my credit report. This was over 3 years ago. The items are still on my credit report from 5 years ago.
Product: Vehicle loan or lease

XX/XX/2018 I baught a car from XXXX XXXX XXXX in XXXX Oregon which Credit Concepts funded the purchase. Less then three months later, there was something that happened to the car that cost less then {$700.00}. While insurance was pulling all my car info, they found that the car had been totaled four times prior. I contacted the dealer to which they said I signed a notice excepting the salvaged title which I did not. Whip city then told me to contact Credit Concepts to which I did. They stated that they confirmed it was a clean title. After sending them all papers about the wrecks it had been in and sent them papers showing repairs the car needed because of the prior wrecks, they still pushed that it was to late to back out and that they would not even take the car back when I told them to repo the car. Over the past year and a half, I have tried to work with this company to no good out come. The have pushed multiple garnishments for the max of 25 % of my income and refuse to work on any compromise. The contract was made under false information.
Product: Debt collection

Account Name : BEST SERV CO Account Number : XXXX Date Opened : XX/XX/2017 Balance : {$470.00} Reason : Identity theft Please remove it from my credit report.
Product: Money transfer, virtual currency, or money service

I have been trying to cancel my subscription to the Albert app for the past six months. Despite my repeated efforts, the company has continued to charge me monthly without addressing my requests. 

I attempted to close my account through the app, which requires a XXXX balance in the app 's savings account. However, the app does not function correctly and prevents me from completing the process. Because of this issue, I contacted Albert 's support team multiple times to resolve the problem, but they have not responded to any of my inquiries. 

This situation has left me unable to cancel my account, stop the recurring charges, or withdraw the remaining balance due to their app 's malfunction. As a result, I feel trapped in an endless cycle of charges with no way to resolve the issue due to Albert 's unresponsiveness and faulty app functionality.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LVNV FUNDING XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing this letter to formally dispute the validity of a debt that your agency claims I owe. I received a collection notice from your organization on XX/XX/year>, asserting that I owe a debt of {$1300.00} related to Account No. redacted 1. Verification of the Debt : Please provide a detailed written statement of the debt, including the original creditor 's name and contact information.

2.Proof of Ownership : I request proof that your agency has the legal authority to collect this debt, including a copy of the assignment or purchase agreement from the original creditor.

3.Full Account History : I would like to receive a complete account history, including all statements and transactions related to the debt. 
4. Copy of the Agreement : Kindly provide a copy of the signed contract or agreement, if applicable, that demonstrates my obligation to pay this debt.

5. Documentation on Your Licensing : Please furnish me with your agency 's licensing and registration information, as required by the relevant state and federal laws. 
Please consider this letter as a formal dispute of the debt, and I kindly request that you respond to this dispute in writing within 30 days of receiving this letter. Failure to provide the requested information within this time frame will be considered a violation of the FDCPA. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the first progress account starting in XXXX late payments of XXXX XXXX and XX/XX/year> on my credit report. These late payments violate FCRA section 1681a, which prohibits the reporting of transactions. I learned the law. Reporting transactions is illegal. I do not want to sue but I enforce the credit bureau to correct my report.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CEPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXX XXXX  against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that I have marked inaccurate : XXXX XXXX for a balance of {$290.00} opened XX/XX/XXXX XXXX XXXX XXXX for a balance of {$370.00} opened XX/XX/XXXX XXXX XXXX for a balance of {$1100.00} opened XX/XX/XXXX
Product: Credit reporting

Consolidated Recovery System is reporting collection/chargeoff for XXXX balances, all for one month and year. 

One company XXXX I am not familiar with at all.
Product: Credit card or prepaid card

Multiple charges on my card from an XXXX account that was not my own. Charges at restaurants Ive never attended. Ive contacted the company multiple times and they just say it pending. They sent one letter saying to contact them and then denied my claim. If they truly invested they would see it wasnt my XXXX account that was used. Also was charged {$XXXX} annual fee that was never disclosed to me, when I called to try and cancel the card and refund my fee they refused.
Product: Mortgage

XXXX of XXXX while going through divorce court I found that my wife at the time had put our mortgage into forbearance and so doing not making a mortgage payment for 18 months. I informed Rocket mortgage that I didn't sign any forbearance agreement that my wife had filed without my knowledge. over the last 12 months I have tried to obtain documents from my account on line with rocket mortgage. when I would call them again the first they would ask was I making a payment today. each time I would call I would have to explain the whole story all over. I would ask them to put this information into the computer but it seems that they couldn't or wouldn't. divorce trial was XX/XX/2020 in which my wife was awarded the house. The equity in the house was lost due to the forbearance. divorce decree was for me to quit claim the deed. Her court order was to make the mortgage payments. 
In XXXX I look at the mortgage and it shows she signed another 3 months of forbearance. I talked again with the mortgage company and they had continued to put both of our names on the monthly statements and that they needed my financial statements that I would have to sign a loan modification and be out of forbearance for 3 months before I could come off the loan. Ex took me to court for contempt to sign Quit claim in XXXX. Now I get a 15 or so pages of documents to sign not only a loan modification but a promissory note for the $ XXXX she is behind. We are behind. I refuse. she takes me back to court. Judge sides with me that I shouldn't have to sign for more debt. That was XXXX. Rocket mortgage all this time knowing I'm not signing any documents and never have continues to allow her to e sign my name on many documents all of this time not letting me see these documents. After enough complaining for the first time I'm able to see some documents yesterday 's document said I along with my wife.ex. but says wife have been approved for Trial Loan Modification which means if she pays loan on time they won't foreclose and hurt my credit. As of yesterday a had to esign these documents. I see that the Trial has been approved and of course I didn't sign anything. rocket told me today that since I signed the Quit Claim and they have copy of divorce I won't have to sign the application for the trial modification. so the Divorce judge hasn't any power over mortgage company and I understand that. Now I have most of the documents I've been asking for for a year and yes the signatures are not mine. I can maybe understand why my ex did the things she did but there is no excuse for a major company to treat a customer this way. I have spent hours upon hours trying just to figure out what's going on. Before this I would never thought my wife would tell even a little lie. What I saw was a big letdown. but what rocket did can't be righted. All I wanted was to be off this mortgage. they did this to keep from foreclosing on a house and having to resell it. This could have been over a year ago. Thanks. XXXX XXXX. XXXX.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Jefferson Capital regarding Account XXXX, demanding its immediate removal due to misleading and unlawful reporting practices. Jefferson Capital has a history of engaging in illegal business practices, including debt collection without proper licensing and violations of state regulations. I was never notified by the original creditor or Jefferson Capital that this account was sold to a third party, raising serious legal concerns about the legitimacy of their claim. Under the Fair Credit Reporting Act ( FCRA ), collection accounts can not report late payments or a past-due status, yet this account is being falsely reported in violation of federal law. Additionally, I have never received proper verification from the original creditor, and there are inconsistencies in reporting across credit bureaus. Given these violations, I formally demand the immediate removal of this account and written confirmation within 30 days. Failure to comply will result in further legal action, as I will not tolerate the continued damage to my credit due to Jefferson Capitals failure to adhere to federal law.
Product: Credit reporting or other personal consumer reports

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). Recently, I received notice that your investigation wa
s complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is well aware of an identity theft.gov report as per previous rep spoke with the rep tonight said ca n't find report and Transunion is taking more  than 48 hour s to block fraudulent items on credit file
Product: Prepaid card

I was gifted an {$840.00} Amex pre-paid digital gift card from my XXXX. She purchased the card on XX/XX/XXXX. I have tried to use the card with XXXX, XXXX, a local XXXX store and XXXX. All transactions were declined. I tried adding the card to my XXXX XXXX account and paying with XXXX XXXX, the payment was still declined. I then called the Amex customer service number 3 separate times- XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. They appear to have a third party customer service company that is completely unable to assist. I asked them if they had a list of blocked vendors as I read online that some giftcards block certain vendors for fraud protection purposes. They said they couldn't provide that. The card doesn't seem to be usable and I can't get any help from their customer service team. Hoping to figure out a way to receive this money in a way that it can actually be spent.
Product: Debt collection

This was from XXXX I called and cancled XXXX the person I talked to said there was no problem Just send a piece of the XXXX back. They even sent me a box for it. I dont try to cheat anybody so i feel that Idont owe anything to XXXX XXXX
Product: Credit card

Synchrony XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear sir, I have checked the review of your employee XXXX XXXX whose office is either XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  . You have indicated in this review, that I have requested the re-issue of reward certificates in issue, which ending numbers are XXXX and XXXX. I have both unusable certificates with me, and I request your company to make them usable and can use for the purchase. If your company employee insists that I have had used them and taken them by the casher ( s ), and still I insist I have them, this employee should make these unusable certificates ending XXXX and XXXX just usable from your transaction terminal side along with other unusable certificates in dispute, with which XXXX more certificates were not usable today. 
Now, I have these ending numbers certificates. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Since XXXX is considered re-issued certificate of XXXX and XXXX, your side does not have to activate ; therefore, I request you will re-activate all these ending number certificates, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. I insist to re-activate all these XXXX {$10.00} reward certificates, which I have with me. I insist that I have not be able to use

them, casher returned them, and I paid by your company credit card. Also, I want to complain to this office itself, since I am not sure how many employees of this office has. I believe your employee breached my personal data by
uploading XXXX bills to CFPB without my consent. As I insist that I have all original certificates, this employee does not have the right to accuse me ; therefore, he does not have right to upload my bills as if he has some kind of authority to be able to upload in public. If your company do not consider this is not privacy breach, I request proper explanation. Also, the reward certificates, which were sent to me recently, were not applicable. So, please make them usable from your side.

And your company sent me a letter regarding the rate from the office addressed XXXX XXXX XXXX, XXXX, PA XXXX. Since I believe these documents should be sent from the headquarters from CT, I want to take cautious and report this document too. Previously, I reported that my reward certificates were disappeared ; therefore, I do not rely on this web account. So, I will continue to use paper bill. If the situation of identity theft has not occurred, I prefer to close this credit card account.

Also, I request the explanation on which matter I have consented. I never consented to receive account communications in electronic form. I request to show and prove my consent legally.

Finally, I expect your company re-activate XXXX reward certificates totaling {$70.00}. 
Sincerely,
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act .The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section A States i have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 : It aslo states a consumer reporting agency can not furnish a account without my written instructions .15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report by more that seven years .15 U.S.C.1681s2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has resonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I was scammed for {$3400.00} on XX/XX/2020 from my checking account. I received a text message that day from XXXX saying that someone was buying an XXXX for {$760.00} on my account to call customer service immediately, so I call the number provided # XXXX. I told the customer service guy the situation and we had gotten disconnected. He called me back from # XXXX and said he was going to fix the problem. He had me go to my XXXX and download an app called XXXX XXXX. He was able to take control of my phone and had me go to my XXXX then had me go to my banking app. He assured me these were the steps to take to get my money refunded. He went to my XXXX and ended up sending 4 transactions in a matter of minutes. Three were for {$760.00} and one for {$1200.00} sent to the name XXXX XXXX with the email XXXX. I've used XXXX maybe 4 times and never in huge amounts of money like that. When I realized I was being scammed I immediately hung up on him, uninstalled the app and went on my Bank of America app and froze my debit card. Then I called the fraud dept at Bank of America and told them exactly what happened. I filed a fraud claim and they assured me I'd get my money refunded within 10-45 days. They froze my checking account, I cancelled my debit card and  changed my login info ( username and password ). I opened a new checking account. On XX/XX/XXXX the scammer wrote a check for {$6900.00} to XXXX XXXX XXXX with my name and address and forged my signature. I called the Bank of America fraud dept and notified them of this and they just said since it's from my frozen account he won't be able to get that money. On XX/XX/XXXX the scammer wrote 2 more checks with my name and address on them to the same place XXXX XXXX XXXX for {$2800.00} and {$3100.00}. I called the fraud dept again and filed another claim. They just said he can't cash them since the account is frozen. I've never had checks since I've been a member of BOA and I've never spent any amount of money close to those high amount 's. On XX/XX/XXXX I received an email from BOA saying my claim was denied because my phone device that I use for online banking was used, even though I told them he took control of my phone. I've never scammed before or in a situation like this. I thought this guy was with XXXX customer service and helping me.