23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/year> I called Carrington Mortgage to request removal of escrow payments from our monthly mortgage payment so that my husband and I could pay these ourselves. They told me to send a written request to a specified address, which I submitted that same day ( see attachment ). We received an Escrow Closing Notice from them dated XX/XX/year> confirming that effective XX/XX/year>, that we would no longer have an escrow account with them. At the end of XXXX, we noticed that our Autopay for our mortgage was still including escrow amounts, and I reached out to them again. I spoke with a representative and then a supervisor, who informed me that someone ( at Carrington ) had mistakenly placed a Mortgage Assistance request on our account and for that reason, the Escrow Closing was prevented, even though we had received the confirmation ( see attached ) in the previous month. The supervisor told me that she was requesting the removal of the Mortgage Assistance ( as we had never requested it ) and that she would escalate the removal so that the escrow could be removed from our mortgage account. She asked that we send another letter ( to the same address ) again to request the removal of escrow from our account. We did that ( see letter # 2 attached ). We are now in XXXX, and our mortgage amount is STILL including escrow impounds. My husband and I called XXXX again yesterday and spoke to XXXX ( a supervisor ), who asked us to explain the situation AGAIN and asked that we send yet ANOTHER letter. We refused, stating that we had done so twice before and now had XXXX  confidence that it would result in anything. He told us that he was expediting this to their Escrow department, and assured us that we would receive a call back today by XXXX HST regarding resolution to this seemingly simple request. We informed that if we did not hear anything, we would be reporting them. 

It is now XXXX HST , and we have had no call, text, or email regarding our request. We have jumped through all the hoops requested of us and still Carrington Mortgage fails to fulfill their obligation to perform. This is causing a burden on our ability to manage our finances as we prefer, as we are being held hostage by a mortgage company that continues to fail to perform in fulfilling what appears to be a common request. It is our feeling that Carrington Mortgage Services is operating in a fraudulent manner, and we demand immediate action.
Product: Credit reporting or other personal consumer reports

My account with XXXX, BANK 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 60 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 21 days before the payment due date. XXXX, 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 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 8
Product: Credit reporting or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus o 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, and I'm including it again. 
XXXX XXXX XXXX Balance : {$5000.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$4300.00} ; XXXX  XXXX XXXX Balance : {$700.00} ; XXXX  XXXX XXXX Balance : {$1900.00} ; XXXX  XXXX Balance : {$2500.00}.
Product: Debt collection

I attempted to get financed for XXXX  XXXX  but was denied. I thought I had a pretty fair credit score so I checked my credit reports to see what was up and I noticed on XXXX that It showed a account in collections for the amount of {$1200.00} from First Financial Resources. I then checked XXXX and it showed nothing in collections. Since it didn't properly reflect on both of my reports, I then wrote up a debt validation letter. In that letter I asked for documentation that they were the legal owner of the alleged debt or if they had been assigned the debt and were authorized to collect it, verification of amount owed, Verification that the statute of limitations on this debt has not expired, The original alleged debt document/agreement with my signature, and a couple other basic requests. I also notified them that they had 15 days from delivery to issue a response with my requested documentation/validation. I notified them that " Please note that until the requested information is provided, I will not acknowledge this debt as valid, and you are prohibited from reporting it to any credit reporting agencies. 
Additionally, please cease all communication with me or any third parties regarding this debt until you have provided the requested validation '' The letter was notarized and sent certified mail on XX/XX/24. This letter was addressed in care of XXXX XXXX the CEO of First Financial Resources. It was signed for by an agent on XX/XX/24. The day the letter was received First Financial Resources attempted to call my phone, I answered but no one responded so I attempted to call back and heard who it was through a initial automated voice message and immediately hung up because I requested all correspondence regarding this matter sent to the address provided. Other than the initial attempt to call me, there has been no further attempt to communicate with me or contact me. It is now XX/XX/24 and the collections account still is being reflected on my XXXX report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account Number XXXX In accordance with the Fair Credit Reporting Act, has violated my rights. 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. I have through investigated and made normours efforts to handle this situation,
Product: Bank account or service

I opened the Checking Account with BofA on XXXX/XXXX/XXXX with the {$100.00} bonus offer. The bonus offer was confirmed by the BofA banker at the time of account opening and I also received a letter after around 1.5 months of account opening that I have completed XXXX XXXX conditions of getting the bonus and only XXXX condition is left, which was also satisfied by XXXX XXXX XXXX as per the conditions. I approached the banker regarding my bonus after XX/XX/XXXX and the banker confirmed my fulfillment of all the conditions for receiving the bonus and he initiated my bonus credit process and told me that I will receive it in sometime. After that I have been regularly following up with the bank, they always say that they are investigating however I am not getting a satisfying response and no bonus thus so far. One day I was surprised to hear from the Branch Manager that the banker who opened my account did a mistake telling me that I was eligible for the bonus and refused to honor my bonus even though he agreed it was their banker 's fault and he also told me that I can go ahead and close my account if I want to do so, which was very dissatisfying and depressing. I read online they make such offers, and mostly try not to honor them. Supposedly, BofA is infamous for this. This seems fraudulent and deceptive. Now I am left with no option, hence reaching out to you expecting justice.
Product: Checking or savings account

My checking account # XXXX debit card was used online XXXX, XXXX and XXXX XXXX all online! I was told they saw it was FRAUD because my name and info didnt even match my card was NOT used in person etc and they would refund my account and when other transactions came off of pending they would refund and fix my account! I called today and asked why my account was not credit credited for other charges she told me their investigation showed my fault because the CHIP was used/ this is a blatant lie!!!!! My card went used it was all online transactions! They provided no proof and said XX/XX/23 they would take the money from me I asked for appeal immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I Filed an earlier Complaint against Experian Credit Bureau for false reporting and theyre still reporting the same false information since XX/XX/XXXX. They dropped by Credit Score over 100 points in 2 years and never corrected it. My credit score is XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX and Experian XXXX XX/XX/XXXX. This is unexceptionable, this is basically the same score since XXXX and theyre constantly sending me marketing information to raise my score. I owe nothing have 2 lines of credit from XXXX Credit Bureau in NC thats been open for almost 2 years ; yet they report 0 utilization and the bank told me on XX/XX/XXXX theyre reporting every month the card are being used. They got me owing XXXX  dollars but XXXX has a balance. XXXX sent me a 1099 C we settled the debt on XX/XX/XXXX and I have the tax document. Experian reporting that I was late 3 times on my mortgage with XXXX Bank in XXXX. I was never late I have documented. Theyre reporting I was 48 month late on a closed XXXX XXXX account that was closed. I settled on closed accounts. My next step and last option is because Im XXXX  is to ask the FTC to intervene.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union in regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transaction were authorized I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against XXXX XXXX for similar practices were transactions settled with insufficient balance despite initially available funds. I believe these practices are unfair and request an investigation into in account and transactions.
Product: Mortgage

On XX/XX/XXXX the sellers of a home I made a offer on accepted and I was under contract. Closing should have been easy considering my credit score was above 700, I made over six figures and the loan on this property was only XXXX. What I didn't know is that the lender I was working with left Alterra and no one took over my file. The file collected dust for almost 3 weeks. That is what someone from Alterra admitted to me. the lender asked to file, in total, 4 extensions to push back the closing date with no explanation. I have already invested over 17k, with XXXX earnest, XXXX architecture fees and {$750.00} transfer stamps, appraisals and home inspection. Once someone started working on the loan there was no sense of urgency. I had a hard time getting a hold of anyone working at Alterra and the lack of professionalism was unbelievable. I am a real estate investor and will never use them again!
Product: Debt collection

In XXXX of 2014 I received several letters stating that a debt I had with XXXX went to collections. I have no accounts with XXXX so I called the number on the letter which was a debt collector. They culd find no record of it and could offer no info. I sent a certified letter explaining the situation and asked them to stop contacting me. It never showed up on my credit and I never heard from them again so I thought it was resolved. I recently applied for a HELOC and this debt showed up. I called XXXX which had no record of the account and referred me to their identity theft dept. Unfortunately I work the hours that they are open. I then called XXXX XXXX and they told me to call the debt collector and request proof. I have called them over a dozen times. I just get an answering service that asks me to leave a message, which I did. I have tried to research this company online and can find no info on them except complaints. They have no website. I am unable to clear this up and am certain that this is not my debt.
Product: Credit card or prepaid card

Between XXXX and XXXX, I was denied a credit card through Credit Karma. I was informed of a 90 % pre-approval and influenced to apply for the credit. Once done, I was denied and my credit score dropped. This was done on several different occasions. I believe this to be fraudulent activity which cost me financially.
Product: Student loan

Upon graduation from college in XXXX, Navient told me my payment was in the $ XXXX. I called multiple times explaining how this was too much money for one month, and asked how I can lower my payments based on my income. They denied this request for a whole year. In XXXX, I was given the option for an extended repayment plan, but it was only lowered to {$560.00} a month. I made this payment for one whole year, and in XXXX of XXXX, I called and asked to lower it again due to upcoming bills such as rent so I was able to move out of my parents house. They advised me to call XX/XX/XXXX. I called back the XX/XX/XXXX, and my payment was increased to {$590.00} due to interest increasing. They told me I would not be able to lower any payment, and the {$200.00} a month I could not afford, my consigner ( my grandmother ) would have to pay it for me. Every time I called Navient, I was given different information regarding my loan status and payment options. I was always told there was nothing else I can do, I would either need to make the payment or apply for forbearance. Today, XXXX, I logged on to view my account and the loan payment was increased to {$610.00}.
Product: Debt collection

COLLECTOR FAILED TO VALIDATE BOTH COLLECTION ACCOUNTS FOR XXXX, THEY WERE PAID LATE BY MEDICAID! THEY CALLED XXXX XXXX XXXX CELL 11 TIMES IN VIOLATION OF T.C.P.A. AND INDIANAS DON'T CALL REGISTRY.

THEY ARE UNLAWFULLY REPORTING TWO ACCOUNT ON ALL BUREAUS W/O FEAR OF BREAKING STATE LAWS.

WE ARE STARTING A CLASS ACTION EFFORT TO ELIMINATE FURTHER CONSUMER LAW BREAKING.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im sending a complaint to you today to inform you that I was the victim of identity theft. I researched on how to remove the fraudulent accounts from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to delete these accounts listed on an id theft report. Please find the ATTACHED documents to assist in the withdrawing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my authorization. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX XXXX XXXXI ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$260.00} ; XXXX  XXXX Bankruptcy XXXX Date Filed : XX/XX/2019 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These credit accounts, collections, and hard inquiries are the results of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, and I hope all is well. While reviewing the credit profile to XXXX/XXXX/Transunion, the number of uncertain tradelines continues to be placed when the debt was completely satisfied and not settled. XXXX XXXX XXXX XXXX XXXX has a third-party collection XXXX XXXX XXXX. 
That failed to comply with the Federal Credit Reporting Act. XXXX XXXX XXXX failed to offer financial assistance. With continued failed practices, this is a violation of the law, which decreases my credit score and creditworthiness.
Product: Credit reporting or other personal consumer reports

There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

On XX/XX/XXXX, XXXX XXXX XXXX opened a collections account in my name which I had only learned about through a credit alert and my credit score dropping significantly. I had learned it was a collections account for XXXX XXXX XXXX mobility in the amount of {$1900.00}. I contact XXXX XXXX XXXX multiple times on both email and by phone and after about two weeks they responded they had no such account on file. I contacted XXXX XXXX XXXX  by phone and they had no record of an account in my name ( I have also never been an XXXX XXXX XXXX customer previously ) I opened a fraud alert with XXXX and they contacted XXXX XXXX solutions, XXXX was able to have the fraudulent account removed from my report on XX/XX/XXXX. Fast forward to today, XX/XX/XXXX, I noticed my credit score dropped by 56 points. A new collections account was opened by Sunrise Credit Service in the amount of {$1900.00} for XXXX XXXX XXXX XXXX on XX/XX/XXXX for the same account number. I also never received any notifications, emails, or alerts for this collections account. I opened another fraud alert through XXXX  and the Fraud specialist advised i report this new incident through FTC.gov.
Product: Bank account or service

I had a debit disputes that I lost. The agreement between XXXX XXXX ( navy federal debit disputes supervisor ) and I was that nfcu would debit my account on the first of every month for 4 months in the amount of {$290.00}. They took the money on the first the last two months but bothe times ALSO debited my account for the same amount on the XXXX. It took me 2 weeks of voicemails on the supervisors phone line in order to have it reversed. She did promptly reverse the charge from the XXXX last month. This time around I have been calling and leaving voicemails but have not heard back. This has created a negative financial situation for my family of XXXX since we were not 3xpecting to have to deal with this problem again. Because of the delay in response from the supervisor, I have had to borrow from friends and family to make it until the first. The bank supervisor is bullying me, and when I ask to speak with anyone else who has more authority, I am told that only XXXX has the notes for my particular situation. 

Please help as I can not imagine going through this again these next two months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an old account with RSI enterprise that was opened on XX/XX/2019 in which I never received a bill. No one tried to contact me or let me know that I owed on this account. I called them when I noticed that my credit score had dropped. They then told me that I owed on an old account. I asked them which address they were sending the bills to and it was not an address in which I had resided at. I agreed to pay the debt if they deleted the collection record which they did not. I am now trying to purchase a home and this derogatory mark on my credit is have a negative impact on my credit score.
Product: Mortgage

XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TX XXXX XXXX XXXX Cell Loan number XXXX Dear sir or Mam : I am putting a complaint against my mortgage company who is FREEDOMMORTGAGE, who hold my mortgage payments. I was without a job for almost 2 years and I had few projects in-between and not enough money to pay my mortgage. My family and friends have help me save my house so far. 
I just got a job with XXXX as an XXXX XXXX XXXX. My salary is XXXX a year. I have provided the Freedom Mortgage company with my offer letter and filled all forms for LOSSMIGITATIION. 

They are not willing to put my loan back to normal as I have requested with them. I owe them XXXX dollars and no way I have that in cash to pay them. I want to save my house and I can pay my mortgage now monthly bases. I would like them to accept my offer and proof of job letter and modified my loan back to monthly bases. I will attach a job letter and the forms I sent them. 
They see my house as an asset which has equity built in too the house. They are not accepting my job salary stating that it is a vendor who is paying you and we dont accept that. I dont understand this at all. When I bought my house, I was being paid by an vendor agency at that time so why did they accept my money then and not now that is my question to them. I need someone from your company to discuss this and make an agreement with them to make my mortgage normal ASAP. 









Please help me save my house in anyway you can. 

Thank you XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX XX/XX/2025 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX Subject : Cease and Desist Demand Regarding Alleged Debt Reference Number XXXX Dear XXXX XXXX XXXX, XXXX, I am writing to formally request that you immediately cease and desist all communication with me regarding the alleged debt referenced above. This includes, but is not limited to, phone calls, letters, emails, or any other form of communication. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692c ( c ), I hereby notify you that I refuse to pay this alleged debt and request that you stop all further contact with me regarding this matter. Any further attempt to collect this debt, except as allowed by law, will be considered harassment and a violation of my rights under the FDCPA. 

Additionally, I request that you provide validation of the alleged debt in accordance with 15 U.S.C. 1692g, if you have not already done so. If you are unable to provide sufficient documentation proving the validity of this debt, you must cease all collection efforts immediately. 

Please note that failure to comply with this request may result in me taking legal action against your company, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

This letter serves as my formal notice to you. I expect written confirmation of your compliance with this request. 

Respectfully, XXXX XXXX