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

Transunion is reporting incorrect payment information for my mortgage with XXXX XXXX. They are reporting the entire XXXX as late when my mortgage was in a XXXX forbearance. The months should be reporting as " current '', pursuant to the XXXX XXXX section XXXX ( see policy attached. ) I disputed this error with Transunion through the XXXX XXXX XXXX  on XXXX, XXXX. Transunion responded and conclude that after their investigation, the late payments have been updated to " current '' ( see letter from Transunion attached. ) I was sent an updated credit report reflecting these changes. XXXX months later the incorrect late mortgage payments were reinserted. Not only that, I was not made aware of this reinsertion pursuant to FCRA section XXXX ( see policy attached. ) As a result of not being aware of the reinsertion of the XXXX XXXX XXXX late payments, I gave my employer permission to review my Transunion credit report as part of criteria to be approved for a promotion I was eligible for. Needless to say, I was wrongfully denied my promotion as result of the XXXX XXXX payment errors. This is not only embarrassing but infuriates me! I was also denied an auto loan after my vehicle was totaled recently. 

Additionally, Transunion is reporting " N/A '' for XXXX XXXX XXXX XXXX, XXXX and XXXX, XXXX payments when these months should also be reporting as current because they were made on time. 

I have submitted a complaint with the XXXX XXXX Attorney General 's office, CFPB, FTC and the XXXX XXXX XXXX today. If this matter is not resolved promptly my next and final step will be consulting with a consumer rights attorney and filing a a federal civil lawsuit. Transunion has caused me a great deal of undue emotional and financial distress. They have violated my consumer rights to the XXXX with their stall tactics and willful noncompliance to the FCRA and FTC consumer policies.
Product: Credit reporting or other personal consumer reports

I am a victim XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. INQUIRIES : XXXX XX/XX/year>
Product: Mortgage

I've attempted to contact my mortgage company Shellpoint A division of NewRez for the last 6 months using the phone number provided to me by them, XXXX but it automatically disconnect me every time i've attempted to call them. it wasn't until I got the foreclosure notice that I was able to contact my original lender with their listed company name. XXXX XXXX XXXX which I was able to reach an agent of that company who themselves told me that the number provided by ShellPoint wasn't the correct number to contact them. The XXXX agent then provided me with the correct number to reach shell point at : XXXX and XXXX. I tried submitting an inquiry on their website about the correct contact information aswell but their website gave me a scripting error. When I finally spoke with an agent at shellpoint a division of newrez they told me I could contact them through the exact same number that automatically disconnects every time I called, and to make sure it wasn't just my phone service i've tried at least 5 other phones borrowed from friends and family, both mobile phones and land lines. They denied that the phone number doesn't work, so i requested a script of the recorded call. I gave them all of my updated contact information for their records which you can get from them as my phone number has changed.
Product: Credit reporting or other personal consumer reports

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 an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXXXXXX XXXX Balanced {$2700.00}
Product: Debt collection

Legal Staff of Reverse Mortgage Solutions:

PLEASE STOP FORECLOSING ON MY HOME
WE HAVE A SIGNED REPAYMENT AGREEMENT AND 
YOU HAVE BEEN ACCEPTING MY PAYMENTS

Your company sure expedited foreclosure (SEIZURE NOTICE DATEXX/XX/2019 #XXXX) on my home of 20 years, simply because my signature was not notarized.  According to RMS, this is a HUD requirement, which you did notify me, was now required on every document because my signing hand is XXXX.

I am a XXXX year old woman.  RMS's Legal Staff unreasonable and unexplained delay to issue a stop foreclosure letter, given that I am in compliance with all terms of my reverse mortgage, is causing me EXTREME XXXX XXXX which at my age is practically elder abuse.

According to staff of the local law enforcement foreclosure jurisdiction,RMS legal staff has,for some unknown reason, not issued a letter directing them to cease the foreclosure process to sell my home.

Why not?

I am now in full compliance.

Three weeks ago, I have sent, by USPS Certified mail, RMS the NOTARIZED payment agreement for the flood insurance premium with payments due.   RMS
has cashed the check for the payments due for the month of XX/XX/2019 and XX/XX/2019

RMS's  delay in issuing the letter to the Sheriff of XXXX XXXX Foreclosure office is not only unethical and unprofessional, it is cruelly causing me, a XXXX  year old woman, extreme emotional distress. 

Please issue the letter to put a stop on the foreclosure sale of my home.

I realize that RMS, is located in another state, and so this lack of action potentially  involves interstate legal issues that may also need to be addressed if you continue to refuse to do your job; and don't stop trying to sell my house out from under me when I have been in full compliance with your requirements for several weeks.
Product: Credit reporting or other personal consumer reports

I have identified inaccurate information on my credit report that remains uncorrected by XXXX, Experian, and XXXX, despite my prior disputes. The credit bureaus have verified this information as accurate without properly investigating the matter. I have provided supporting documentation that proves the inaccuracies, and their failure to correct this information violates the Fair Credit Reporting Act ( FCRA ), specifically section 611 ( a ), which mandates a thorough investigation and timely correction of disputed items. 

This ongoing reporting of false information is not only misleading but also a violation of my consumer rights. I request that this erroneous data be immediately removed from my credit report to prevent further damage to my credit profile. Please take corrective action as required by law.
Product: Credit card or prepaid card

I received a letter yesterday saying I requested Rooms to Go credit product. I have never been in a Rooms to Go store or purchased anything online. It is dated XX/XX/21 and the credit needs to be called in by XX/XX/21. It is with Synchrony Bank. Someone is trying to use my name to get a credit card or something similiar.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX AV XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXXXXXX Inquired XXXX XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempts to get free credit report from Equifax.com have been thwarted by their incorrect security questions. Their questions ask to identify two accounts from a list of eight, for which " None '' is the correct answer, and to identify an outstanding balance, again the answer is " None. '' I get stonewalled at that point. The questions lead me to believe that unauthorized people have piggybacked onto my identity via Equifax! I spoke with " XXXX '' on XX/XX/2021 who could not resolve issue.
Product: Mortgage

- on XX/XX/XXXX the loan application for home buying for property in california was approved by Rocket mortgage - On XX/XX/XXXX the escrow process was completed, and the contract was signed with lender aka Rocket Mortgage - I called on XX/XX/XXXX about loan servicing and when it does start, i was first misinformed that loan doesn't start until 2 weeks, the loan started on XX/XX/XXXX, and i got no notification of it - I asked for documents, and i was given a run about - On XX/XX/XXXX I called my loan officer, and told them that i found the loan, and closing credits that i have got is not upto par what mortgage gives for similar profile customer, he tried to reach to Rocket Mortgage, and they deflected- I secure loan with 54 % downpayment on XXXX home value amount, and 798 XXXX  score, and least possible risk, but i was charged, and closing cost, which were substantially higher from my known contacts at Rocket Mortgage during that time period Loan Amount : $ XXXX Loan Rate : 7.5 % for 30 years, Closing cost : XXXX, XXXX This is especially when i had asked, can i least possible closing clost, compared to what is being given in market - Feeling uncomfortable about, i asked for Loan payoff on XX/XX/XXXX They started give me run around about closing, and finally gave me loan payoff statement on XX/XX/XXXX I was clearly told that during the loan payoff, that lien would be released immediately, and any pending funds in Escrow would be reimbursed in 10 days/ 2weeks I have proof of this statement - ON XX/XX/XXXX loan payoff was completed, and In the loan close off, they charged me fees, which were not in the original contact. 

- As of today they have neither released my escrow funds/overage on time ( it's been 2 weeks ), and also neither they have started lien release process over last 2 week i have made thorough follow-ups, over phone and email, and they have misinformed me in several different emails and when confronted that i have document for above details for release of lien and funds, they mentioned that website portal was wrong, some emails were wrong, but now they are right.

Also for Fees on closing, they mentioned that is to record with county to release lien, and in the original contract only the fee to record original sale was mentioned for borrower, and when i mentioned that, they said this should have been clarified before signing contract This doesn't make sense, as that by standard, anyone can leverage any bogus fee Releasing of lien is fiduciary/legal responsibility, and operating procedure for lender when they have been completely paid off .... 


- They also responded on giving loan conditions, and loan promotions, as it's upto them, which makes no sense, as that by very standard " discrimination is random '', and this has happened in the past.
Product: Credit reporting or other personal consumer reports

To XXXX, XXXX, and Equifax, It has come to my attention that inaccurate information remains on my credit report, despite previous disputes where you continued to verify the data as accurate. I have attached evidence proving that this information is, in fact, incorrect. By continuing to report these inaccuracies, you are in violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires a reasonable investigation, and Section 623, which addresses the duty to ensure accurate reporting.

This failure to correct the information also violates my rights under 15 U.S.C. 1681i ( a ), which mandates the correction of erroneous data after it is proven inaccurate. I demand that you remove this incorrect information from my credit report immediately, as it is unfairly damaging my credit profile. 

I expect prompt action in accordance with the law. Attached is the proof of the inaccuracies for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a past loan account with XXXX XXXX XXXX XXXX. I was late on the account and it was reported as such. I later was able to refinance the loan with XXXX XXXX XXXX XXXX. As a result of me refinancing my original loan ( still with XXXX ) XXXX created a new loan, new account number with updated terms of the loan. Unfortunately, XXXX reported the exact negative information that was reported in the original loan in the newly refinanced. This is not accurate. My credit report with all 3 reporting companies XXXX XXXX and Experian for several years continue to report that I had to loans with XXXX and both have the same late history being reported. I have disputed the information with each of the credit reporting companies with no resolution. I have contacted XXXX personally and enlisted the help of a credit repair company but none of my actions have resulted in a positive update to my credit report.
Product: Mortgage

I was in forbearance, on XX/XX/21 HUD/FHA introduced the Advanced Loan Modification. I contacted my loan originator on XX/XX/21 to discuss options since I was eligible from HUD/FHA disclosure on their website of current standings dates in forbearance. The individual that I spoke to did know have any information on the new XXXX and said he would flag my account for review for when my forbearance was expiring. I never received any information from my loan company. I contacted them several times a week asking for an update just to get the same we don't know about it yet. Finally i reached someone in XXXX that said my account was in review that papers would be out and i would need a notary available to sign the paper work and get it back. Paper work shows up, it is a standard loan modification. I contacted the servicer asked what do i do with this papers. They said I had another set in underwriting to disregard this current set. Something just didn't feel right with the phone call so I called and spoke to a supervisor two days prior to these documents from being no good and he told me to get them signed & notarized and back to them before the XXXX mind you this is the XXXX. He said I had another set of papers for the XXXX that he was going to escalate. Contacted company again XXXX spoke with XXXX a manager, she said that I had no papers that were being reviewed for the XXXX. That what I sent in is essentially done. If i was denied the XXXX i would like to know why. If i was not considered the XXXX even though I made every check mark per HUD/FHA guidelines , I want a written explanation. I have all phone calls from XXXX to XXXX recorded with this loan servicing company.
Product: Checking or savings account

I as of this last year having been banking with regions since I was XXXX roughly ( I am XXXX now ) as of this last year I have seen nothing but errors and miscalculations running through my account causing me to get charged in overdraft fees AT LEAST ONCE EVERY OTHER MONTH. I have proof of this miscalculation today with a paper from the company with my insertion of money because I was on my last XXXX dollars in the account of XXXX. Yet for 4 days it had told me I only had a mere XXXX left. My online statement says otherwise and changed stating I in fact had {$520.00} at that time ( so a sudden influx of money made no sense. THEN I run negative into my account today stating XXXX XXXX from all of these charges that should have ran days ago and they have recrunched the numbers accordingly they are either stealing money or purposely running different numbers so that I am forced to pay a penalty fee. Others say when I asked that it just takes a few days for certain charges to run through however that should not be the case either. ( However I tested this theory ) I would wait and numbers would strangely enough STILL change. I have noticed numbers being off consistently and Im either running negative or have more than I should and it feels like my account is nothing but a game of tag. And if that were truly the case of things of not going through immediately why is it that everytime I make a purchase through a day the numbers go lower ( as normal one day ) and the next day they are not the same numbers ( I have been trying for months to hold out with my account to prove something is wrong with this system but I it would seem this issue strikes at random. However all I am aware of is I have had this account for years and NOTHING has been a problem until the end of last year THEN it proceeds to get worse. I suggest this company be investigated. I have also noticed as of today that this bank already has A LAWSUIT for the same exact issue for someone elses company and I believe they are scamming people DOING THE EXACT SAME THING TO OTHERS TO PAY FOR THIS LAWSUIT. I would also like to add my account is supposed to be protected by overdraft however that is hard when doing online purchases ( as I have been informed over the phone ) it still should not run when trying to purchase something and I have noticed that if my card doesnt run then I dont have the funds ( including online purchases ) so if that is the case why do these purchases continue to run as well as change on my page telling me different numbers one day if I in fact didn't have the money at the time why would my card run in store? No one else could answer that either.
Product: Money transfer, virtual currency, or money service

So the other day I had my XXXX ( ymail ) email account hijacked. 
This occurred sometime shortly before midnight on XX/XX/2022 and as soon as I noticed upon waking up around XXXX a.m. 
on XX/XX/2022 I took steps to secure every cent I had to my name ( $ XXXX ) by creating a secure email and switching phone numbers and updating my cash app with these new secure methods of contact on top of having my cash card in physical possession and a cash pin in place. Everything seemed fine until I go to make a child support payment to my daughter 's mother via cash app like I do every week only to have the transaction be declined and my cash app locked. They made it seem like everything was going to be fine there was no big deal and it should be unlocked shortly. A few hours past and I go to check on my cash up and see if the issues have been resolved yet and much to my shopping order I open the app and it appears that my cash I've been signed out so I frantically enter in my email details to try to sign back in and upon doing so I'm greeted to a blank screen saying welcome to cash app acting like I never had an account before. I didn't spend hours communicating with the service team only to eventually have them randomly shut me down and give access back to the hacker fully despite me having a cash pin in place and having physical possession of the card issued by cash app for the account. I am now facing homelessness and jail time for not being able to pay child support and rent after just moving completely across the country. I think that the reasons which were not communicated to me and I was denied any type of transparency or compassion or ever because I am using XXXX fi which has a VPN and their whatever security software program didn't like that fact or b because I think I may have accidentally mistyped one digit when I was prompted to enter my date of birth after clicking the ID verification link that they sent me. This is a cruel way to treat a veteran...
Product: Vehicle loan or lease

In XX/XX/XXXX, we leased a vehicle through Ally Financial and the vehicle was returned in XX/XX/XXXX to XXXX XXXX. Ally sent out a notice saying that a final balance of {$2700.00} was remaining after the lease ended. In XX/XX/XXXX, Ally financial added {$26000.00} in mileage charges that are not listed in the contract. Ally financial also failed to produce a contract showing justification of the additional costs after being asked many times. 
In XX/XX/XXXX, Ally financial also proceeded to report the loan as open hindering future auto loans and therefore making securing an auto loan difficult due to having a current open loan for a vehicle no longer in our possession. My spouse and I have both tired to have this fixed directly with Ally but to no avail. 
Their response is to have a manager look at the account but we only receive letters and calls no resolutions or validations.
Product: Credit card or prepaid card

I am being charged " late fees '' for making my credit card payments on the due date. The specific charge in dispute was a payment made on the due date of XX/XX/2022 at approximately XXXX XXXX ( PST ). 

Capital One is refusing to reverse or waive the late fee because Capital One received the payment on the due date, however approximately 45 minutes late... There is no grace period offered, let alone being heard, for any payment made on the due date after XXXX XXXX ( PST ). 

I find this kind of behavior from a bank unfair, unethical and quite discriminatory, especially as all attempts were made to make a payment on time. After explaining my circumstance, I believe Capital One and its representative preyed on my current financial situation and discriminated directly against me. Capital One and its representative ensured me the late fee will be imposed, whether the payment was made 1 minute or 45 minutes past XXXX XXXX regardless of the circumstance and payment being made on the due date. 

Capital One, XXXX XXXX, or any bank needs to be clear, transparent, and lawful when issuing late fees, overdraft fees, etc.
Product: Mortgage

When I purchased the home 4 years ago I put down over 50 % in the first 30 days. I received a letter saying that due to my current equity I no longer will need to pay PMI. 
I should never have been paying PMI. When I called about the letter they said my loan to value wasn't there, but it is now. This is not true. 
On my mortgage statements I saw the wording, XXXX XXXX XXXX XXXXXXXX knowing this entire time that it was PMI. 
The mortgage company has been giving the run around and hung up on me when I called.
Product: Mortgage

This is about a 2nd loan mortgage from Guaranteed rate, Inc. XXXX XXXX XXXX XXXX, Illinois XXXX. This loan was funded XXXX XXXX XXXX. The loan number is XXXX. The loan has a second home rider attached to it. the address of the property is XXXX XXXX XXXX XXXX XXXX, NV XXXX. On the second home rider item 6 Occupancy is in question. The home has been rented out for short term rental since XXXX  forward. The home has been permitted by XXXX XXXX Neveda and advertised in XXXX since XXXX. Item 8 Borrower 's Loan application is in question.