23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Let me first say to communicate with ANYONE from Nations Star/Mr Cooper is useless. I continue to submit these complaints only to keep a paper trial going when I see discrepancies that could only come to harm us in the near future. For example, Nations Star/Mr. Cooper by its own response incorrectly ; intentional or unintentional gave conflicting information. The latest communication date XX/XX/2018 reference # XXXX cited I made a payment of {$1300.00}, THIS IS INCORRECT. As stated in our modification our payments are {$1200.00}. This payment should have been for XX/XX/XXXX. I was told it was not doing a follow up call, that the payment was for XX/XX/2018. As I stated, those funds were removed and the payment should have been reverse for {$1200.00} NOT {$1300.00}. Secondly, we were ask to provide information of the caller who called and attempted to force us to accept the modification and noted we did not accept, your records and notes on our account already has this information as a CSR explain she listened to the call and did not hear we did not accept, but did not agree with the terms and the modification was " rebooked '', what happen in this incident where we must provided information? Nations star already has this. This is unacceptable behavior. This company seems to have gotten prior housekeepers, dishwashers, food service and other blue collar workers and turn them into professional customer service reps, this will not work! These are examples of how much this institution lacks any business prowess and its customer service is a joke. 1 ) Modification terms were not explained to us 2 ) we already made trial payments and were told we had to make two more payment to for the modification to be booked 3 ) a mere CSR took upon himself to cancel the modification 4 ) two payments were sent but no one could find them 5 ) we were told CSR are aware of accounts irrespective of their locations, etc. WE request to get this account straight to reflect this missing {$110.00} to CSR told us was missing, this was not acknowledged in the above reference #.
Product: Credit card

In XXXX my account was blocked suddenly. US Bank claimed that there is a compromise to my account. I had both my credit cards replaced and I have received them and activated them. This took more than a month. Later when I called back, they kept telling me that I have to wait for a call back from a supervisor and I have waited and waited. This month I had an opportunity to visit XXXX, OR where US Bank has branches. I came in the branch ( XXXX XXXX XXXX XXXX, XXXX, OR XXXX ) on XX/XX/year> and the banker told me that they do not have resources to solve my problem and I have to come again the next day??? I have a tight schedule and I have already went back to Texas where there are no US Bank branches. It has been XXXX months and I am still not able to access my online banking.
Product: Debt collection

I received a notification about a collection debt in my credit report for an amount of {$280.00}, the original creditor on the report says is XXXX XXXX XXXX but I already went and spoke to them, I only have prepaid lines with them, they pulled out my account information and I do not own any amount with them, the collection agency name is XXXX XXXX XXXX is who says XXXX own the amount above but when I called them, they did not want to give me any information without my SSN, this made me credit went down by XXXX plus points and I was planning on getting a loan at the beginning of next year but this is affecting my plans, if I knew I own any debt I would pay it off, I have never had a miss or late payment, so this is very strange. I'm looking for help to remove this collection out of my credit report so I can keep going on with my original plan.
Product: Credit card or prepaid card

I contacted this company XXXX XXXX several times in attempt to complain about sales lady I am XXXX and XXXX I believe the lady knew it and took full advantage of me. She opened a credit card with a XXXX limit then said i needed to buy more stuff without having a parent who takes care of me there I was sold into XXXX worth of merchandise including mens XXXX XXXX sunglasses perfume a wallet and gym pants. When i returned to the store to return them after I had took my medicine they would not let me return the items. I am now having and looking into bankruptcy. I was only making XXXX on XXXX XXXX a year and they qualified me for XXXX limit more than I make in a month
Product: Debt collection

The company is not licensed to operate in the state of XXXX XXXX  however, has been sending me letters attempting to collect for years at this point. I have repeatedly informed the company that neither are they licensed to operate in the state of my residence nor do I owe this debt. They however, persist and I received another letter in the mail a few days ago.
Product: Credit card or prepaid card

I became aware that a fraudulent card had been opened in my name through the Bank of America in the form of an XXXX XXXX  XXXX. I received a credit card statement in the mail from Bank of America, which I believed to be a false statement. Upon reviewing my accounts and credit history, I learned that this statement was factual and that there had been a fraudulent card opened. 

After speaking with representatives at Bank of America, I learned the account was opened on XX/XX/2022. 

The XXXX Department at Bank of America stated they would be closing this account and I would be receiving a fraud statement within 10 days, that must be signed and returned within 10 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 6802 I was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which I was not given. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify all Hard Inquiries you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a ( FRAUD ) or ( FRAUDULENT ) Hard Inquiries. 

I was denied credit recently because of this my wife got sick because we couldnt secure the loan to help her health. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I need this resolved asap.
Product: Credit reporting or other personal consumer reports

The reported delinquencies for XXXX and XX/XX/year> are inaccurate due to XXXX 's loan forgiveness plan. Payments resumed in XX/XX/year>. XXXX 's representative apologized and assured that the correction would be made promptly. Regarding the XXXX forgiveness, XXXX hasn't updated it with the Department of Education per a representative, as bills for payment are still being received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never opened a XXXX XXXX account in XXXX. And the account I in XXXX was cancelled by me. Ive been had XXXX XXXX since
Product: Mortgage

Our out us knowing. We had to call them last year and this year to make sure our property taxes were paid. We call them last night Mortgage was sold to another company last year. One of the first things required was an additional months taxes and they started paying our property taxes without telling us. Last night we verified that the taxes were paid and then they said we had a shortage in our escrow of over {$400.00}. When we inquired about this after figuring our taxes and home owners insurance we are positive almost {$500.00} which they wo n't send us until they evaluate out escrow account. Never had this happen before. We have always paid our taxes. They wo n't let us or give the option. This can not be right. Please advise!!!
Product: Debt collection

I met with a HUD approved credit counseling agency in XX/XX/XXXX and setup a payment arrangement with Debt Recovery Solutions for a prior XXXX balance. I sent the money directly to XXXX paying {$50.00} per month since XX/XX/XXXX. When I realized I had been sending the payments to XXXX, I contacted Debt Recovery Solutions in XX/XX/XXXX and sent a letter via certified mail to have the money sent from XXXX to Debt Recovery Solutions per the instructions of XXXX XXXX with Debt Recovery Solutions. After no response, another letter was sent to Debt Recovery Solutions on XX/XX/XXXX that was sent certified mail and again no response. I attached all the payment receipts and this debt has been paid in full, however, is still reporting to the credit agencies. I tried to call Debt Recovery Solutions again today, XX/XX/XXXX, and was hung up on twice ( after being very cordial and only asking for an update ). On my third attempt, a gentlemen referred me to call XXXX XXXX who is handling my case at XXXX. I called that number and there was no answer and no voicemail to leave a message. I am not sure what to do at this point to resolve the matter.
Product: Mortgage

I got an offer in the mail from Freedom Mortgage at Freedom Mortgage XXXX Ohio XXXX I applied for an adjustable rate mortgage on my home they sold me on this .Here is the problem they sent a closer to my home to close the loan and he saw that my daughter was living in my home with me and he suggested I put her on the title as she was not on it, Time passed and I needed to refinance and so I began to seek a new loan and they denied me the loans based on my daughter having judgments against her and now she is on the title I live on a fixed income and can not afford the loan now soon the rates will adjust and go up. I blame the person who they sent to close the loan for advising me to put my daughter on the loan. My health is not good and I only make so much money and would have qualified for a reverse mortgage except for this issue and in addition I can not get through to any one at Freedom Mortgage so I hoped to contact you and you can contact them to see how this can be resolved. thank you XXXX
Product: Credit card

My XX/XX/2024 statement total does not match the sum of all transactions in the preceding month. I do not carry balance month to month and pay my balance in full every month however the my XXXX balance shows {$42.00} total, whereas all transaction add up to {$15.00} ( {$27.00} difference ). Oddly enough my XX/XX/2024 statement was exactly {$27.00}, which was paid in full on due date as well. I contacted the company several times via online system on their website and they closed inquiry without response. When I called the Customer Service number the CSR was unable to explain where the difference came either and stated that he's " providing all the information ''. For more than a month now Chase have been unable to explain or substantiate the charge and refused to provide any assistance identifying it.
Product: Consumer Loan

the loan is included in my chapter  XXXX  the trustee make monthly payment and in  XXXX    XXXX   they reported late payments which is not to have a copy of the payment the trustee made and also they have made a call to my job
Product: Credit reporting, credit repair services, or other personal consumer reports

I do have any contracts with this company. The items I need removed are listed in the report. I am a victim of identity theft and did not apply or open any of these accounts. I ask that the items be removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
I have also sent letters to TransUnion over 30 days ago and have not received a reply or response. 
I have spoke to an agent and I was told that these items would be removed from my consumer report immediately and they still remain on my consumer report. This company has violated my right to privacy and multiple other violations. 

I am protected by the ( FCRA ) Fair Credit Reporting Act ( Right to Privacy as a consumer ) 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) I never gave this company any written consent to report or furnish anything to my consumer report. 

15 USC 1692- I am the consumer and the original creditor I am not obligated to pay any debt, I do not owe any debt 15 USC 1681 ( a ) ( e ) - States that you have to interview my family, my neighbors, or any of my associates to verify any account on my consumer report which this company did not do 15 USC 1681e ( b ) - You shall follow reasonable procedures to assure maximum possible accuracy of the information on my report.

They have not complied which is another violation of 15 USC 1681n ( a ) ( 1 ) ( a ) which makes them liable in the sum of up to {$1000.00} for each damage you are causing in my life pertaining to my consumer report Any person or company gaining or gathering information from a consumer pertains their consumer report is doing fraudulent business and can get prison time and anyone involve with another company other than the consumer Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Which you have failed to do so which is a VIOLATION.
Product: Mortgage

I have been having problems with Flagstar Bank promptly crediting my mortgage payments since XX/XX/XXXX. Flagstar Bank has been servicing my loan since XX/XX/XXXX. I use XXXX  XXXX XXXX Bill Pay to make my mortgage payments each month. 

I suspect that Flagstar Bank has recently adopted polices which create situations where customers incur late fees, namely ; 1 ) Flagstar does not accept ACH mortgage payments from other banks, 2 ) Flagstar is deliberately slow in processing payments by US mail, 3 ) Flagstar actively markets its MyLoan servce ( when your payments have incurred late fees ), 4 ) Then Flagstar acts like they are doing you a favor ( when you ask to have the late fee reversed ; which they caused by not accepting ACH payments and/or are slow processing US mail payments ).

5 ) Flagstar staff often blame the US mail for not receving the payments on time.

My bank records show my mortgage payments were sent to Flagstar on the following dates : XX/XX/XXXX Bill Pay debited my account on XXXX - Flagstar credited on XXXX ( all is well ) *XX/XX/XXXX Bill Pay debited my account on XX/XX/XXXX - Flagstar credited on XX/XX/XXXX ( late fee accessed & reversed - Oh XXXX Flagstar! ), *XX/XX/XXXX Bill Pay debited my account on XX/XX/XXXX - Flagstar credited on XX/XX/XXXX ( just in time to trigger a late fee after the XXXX - late fee accessed & reversed ; Flagstar did not credit for 7 days ), XX/XX/XXXX Flagstar MyLoan debited my account on XXXX - Flagstar credited on XXXX, XX/XX/XXXX Bill Pay debited my account on XX/XX/XXXX - Flagstar credited on XXXX, XX/XX/XXXX Bill Pay debited my account on XXXX - Flagstar credited on XX/XX/XXXX ; ( Flagstar did not credit for 6 days ), *XX/XX/XXXX Bill Pay debited my account on XX/XX/XXXX - Flagstar did not credit until XX/XX/XXXX ; ( Flagstar did not Credit for 6 days ) btw - just in time to trigger another late fee BUT I also made a MyLoan payment on XX/XX/XXXX. 
*XX/XX/XXXX Flagstar debited my account on XX/XX/XXXX - BUT NOW all of a sudden Flagstar credits on XX/XX/XXXX! 

I guess I should be happy that Flagstar credits my payments a day early if I use their service. I guess Flagstar can afford it if they don't promptly credit on other bank Bill Pay/US mail payments 6-7 extra days!
Product: Credit reporting or other personal consumer reports

Complaint : As per 15usc 1611 XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per I5 usc1640.

Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. I & # 39 ; m requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit & quot ; report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. I & # 39 ; m requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer I & # 39 ; m requesting a cancellation of the
se records. Cc Consumer Financial Protection Bureau. Cc Attorney & # 39 ; s General Office. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B requires us to remove any incorrect accounts from my credit report. Would you mind checking the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates.
Product: Mortgage

Freedom Mortgage is running a scam. They send a letter stating that they checked with your insurance company if you have hazard insurance and that if they dont hear from you, will start billing you. I have had the same homeowners insurance for 5 years on auto renew, and checked with my insurance company and they have no record of Freedom Mortgage contacting them. I provided Freedom Mortgage with my policy declaration, they dont answer their phones. They are hoping people dont notice the letter and then start billing them escrow for insurance they already have at exorbitant prices. This company should not be allowed to operate.
Product: Debt collection

Hunter Warfield has been notified approximately ( 5 ) times since XX/XX/XXXX that a debt that they are reporting against my name and social security number are fraudulent. I have had to dispute this with them now ( 5 ) times and have also completed a fraud affidavit that they sent me to complete, but they continue to reinsert the same fraudulent information into my credit report each year. Every time I resolve this matter with them and go through all of the steps to have this fraudulent account removed from my credit repot they continue to re-report and re-insert it into my credit files, and they know that they are doing this fraudulently, but they have no regard for the law. <P/>I never lived at the XXXX XXXX XXXX, and I never even stepped foot in the place and never submitted an application to that property, and this was opened as a result of identity theft. Not only have I been through this ( 5 ) times with Hunter Warfield and even submitted a police report they continue to try to blackmail me by reinserting this fraudulent account into my credit file hoping they can force me to pay it. <P/>This is a fraudulent account and is in no way associated with me, other than my stolen information was used to open the account. At this point I should be suing Hunter Warfield for defamation of character and exortion, but I have not as of yet. <P/>HUNTER WARFIELD, INC Agency Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Date Reported : XX/XX/XXXX Date Assigned : XX/XX/XXXX Creditor Classification : Rental/Leasing Original Creditor Name : XXXX XXXX XXXX Account Number : XXXX Account Owner : Individual Account. Original Amount Owned : {$1800.00} Date of 1 st Delinquency : XX/XX/XXXX Balance Date : XX/XX/XXXX Balance Owned : {$2200.00} Last Payment Date : N/A Status Date : XX/XX/XXXX Status : D - Unpaid Comments : Consumer disputes this account information
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. 

XXXX stated that XXXX XXXX and XXXX XXXX reinserted the accounts and verified that it wasn't identity theft. According to the Sec. 605B. Block of information resulting from identity theft ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 611 ( a ) ( 5 ) ( B ). Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. 
15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Payday loan, title loan, personal loan, or advance loan

I purchased a vehicle from XXXX XXXX and had it financed through XXXX XXXX. The payment process has been very painful. I enabled automatic payments. They didn't go through. Now they have me using an automated phone payment through a third party. I think it's to avoid liability for this.

It goes like this : Does your account number start with 1?

Yes or No Please enter your account number.

Please enter your billing zipcode.

Sorry that was an invalid input.

[ Loops 3 times ] [ Disconnects ] I am unable to make payments. Their help line just redirects me to the same thing. Unable to make contact with a human. I feel this is predatory and trying to make me default on the loan.
Product: Debt collection

Amount of {$52.00} and other account for {$210.00} They never sent me anything about this accounts or bills ..
Product: Credit reporting or other personal consumer reports

XX/XX/22 {$4700.00}, XXXX, XXXX and Equifax did nothing to resolve the disputed claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three Credit Bureaus/Agencies ( XXXX, XXXX, TransUnion ) and the Creditors ( XXXX XXXX, Tn Child Support, XXXX, XXXX XXXX, XXXX XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately
Product: Credit reporting

I found a " collections '' status on my credit report for a medical bill. I received XXXX bills from the physician 's office and paid via check on the XXXX bill. The check was not cashed but I received no further communication from the physician 's office. I contacted the Collections Company and told them that I had not received a letter or phone call from the company. Upon further investigation, I did not receive a letter but I did have XXXX missed calls from their unknown number ( no voicemail ). I do not feel that this is sufficient contact and I believe that they should have sent a letter if unable to contact via phone. I had extraordinary credit, no late payments, prior to this incident and I paid the outstanding balance immediately on the phone with the collections agency.
Product: Credit reporting

I have a judgement that has been paid and satisfied since XXXX, 2014 and is still showing as unsatisfied. I have tried to contact the company and left a XXXX messages with no response.