23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Freedom Mortgage has failed to pay my insurance company from Escrow. When I contacted Freedom Mortgage about this, they informed me that they did not receive an invoice from the insurance company. I contacted the insurance company, and they informed me that they re-forwarded and faxed the invoice and payment information to Freedom Mortgage at the appropriate address. My insurance policy is at risk of cancellation because of Freedom Mortgage 's failure to make payments from escrow in a timely fashion. There is an excess balance in the escrow account associated with my mortgage, and Freedom Mortgage has still failed to make the payments. I may lose insurance protection and be at risk of becoming homeless due to weather, fire or any number of other catastrophic events if the bill is not paid. Additionally, Freedom Mortgage is in direct violation of its obligations to the USDA as the servicer of the USDA-funded mortgage that I have. Freedom Mortgage has exhibited a concerning disregard for their legal obligations to borrowers and the public under 12 CFR part 1024.
Product: Student loan

Thursday, XX/XX/XXXX Subject : Public Service Student Loan Forgiveness. 
My name is XXXX XXXX, and I have applied for Student Loan Forgiveness through the loan service company ( XXXX ). The issue with my case, is that AidAdvantage is my loan servicer. My account number with AidAdvantage is XXXX. 
In trying to understand and navigate this process, I have contacted both AidAdvantage and XXXX and there still appears to be a lack of communication on how to process loan forgiveness applications for loans serviced by other companies. AidAdvantage has conveyed that they can not do anything until they have been notified by XXXX, and during my discussion with a XXXX representative, they were initially unable to understand that unless they established direct communications with AidAdvantage, my request for student loan forgiveness would not remain unresolved. Bless their hearts, but I can not imagine these corporations not thinking through how they would communicate the loan forgiveness to other service providers. I kid you not, my discussion with incredulous. The poor representative had to constantly reach out to her supervisor who really could not provide her a definitive response on how to resolve this matter. They did convey that someone would call me from their office within 24 to 48 hours and of course, I have not been contacted. 
XXXX has conveyed they do have my approved application for loan forgiveness, however, they have not reached out to AidAdvantage because they really have not thought through that part.

When I have contacted AidAdvantage in the past, they have indicated that they have not been contacted by XXXX to transfer the loan. 

While I appreciate all of the effort going into this program to make this happen, there must be something done to fix this disconnect between these institutions. 
XXXX has expressed that I may want to contact AidAdvantage and ask them to forward my loan to them as the new service provider, but this really makes no sense because AidAdvantage has no way of knowing whether I in fact have applied for loan forgiveness. 
Again, I applied for this forgiveness XX/XX/XXXX. So, you can understand my frustration. 
Please help me, the interest on my daughters loan is beginning to pick up and I really do need assistance. 
I can be reached at ( XXXX ) XXXX.
Product: Student loan

XXXX XXXX is failing to process my re-certification for the IDR plan. I mailed, faxed and uploaded to their portal the IDR re-certification and included my most recent tax return in XX/XX/XXXX. They denied the application claiming they didn't have the required documentation and would not allow me to upload any documents and despite faxing and mailing it again they did not process the request. I resubmitted the application again on XX/XX/XXXX the day after they notified me that I had a new payment plan but there was no balance listed on the portal or in the paperwork. They denied the application again this time claiming it could not be processed because my payment was past due more than 15 days even though the alleged payment wasn't due until XX/XX/XXXX and I was not even informed of the payment amount until they denied the application on XX/XX/XXXX. So based on their own timeline, the basis for denying the application is erroneous. I immediately applied for forbearance but they claim it will take 10 days to review the request which will make me 30 days late and disqualify me from IDR loan forgiveness. This is bad faith, illegal, and they are intentionally causing people to default on student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States i have 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX DATE OF INQUIRED ; XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I RAN MY CREDIT REPORT IN I SAW FRAUDULENT ACTIVITY ON MY REPORT THAT I HAVE NO KNOWLEDGE OF OR I DID NOT CONSENT TO I WOULD LIKE IT ROMVED FROM MY REPORT WITHIN XXXX XXXX UNDER THE FAIR CREDIT ACT. FROM THE LOOKS OF THING SOMEONE HAS GOT MY INFORMATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to report the following accounts listed below for violating the Fair Credit Reporting Act ( FCRA ). Ive contact the company & requested verifiable proof and they have failed to provide with any verifiable documents. They have failed to comply with FCRA section 611 & are willful noncomplying which is a violation of sections 616 & 617I need them to correct their records or be held accountable for their actions. The information is creating great emotional & physical stress and creating me sleepless nights where its impacting my job performance. Please have this matter resolved ASAP XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  XXXX  XXXX Account Number : XXXX ; XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, and XXXX are in violation of multiple laws 15usc 1681 a ( d ) ( 2 ) ( I ) exclusion of a credit report. 
According to the law the term credit report does not include information solely as to transactions or experiences between the consumer and the company These companies are reporting charge offs and late payments on my report which are transactions and experiences
Product: Credit reporting or other personal consumer reports

In accordance with the XXXX, everything has to be 100 % accurate on my credit report. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

On the 3rd page of my dispute submitted XX/XX/2024, I requested my consumer statement be updated with the credit reporting agencies. My request was submitted in writing as requested by their websites. Neither Equifax has not updated my consumer statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$3600.00}, {$730.00}, {$750.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/2016 with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/2016 with a balance of {$3600.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/2016 with a balance of {$730.00} -This is not my account. 

4. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$750.00} -This is not my account.
Product: Student loan

Called on XX/XX/XXXX, waited on hold for 90 minutes and then was hung up on. Filed an online form on XX/XX/XXXX, never received a response.
Product: Debt collection

XX/XX/2023 : I received a debt collection letter from XXXX XXXX XXXX  and CASCADE CAPITAL FUNDING INC. 

XX/XX/2023 : I mailed a letter to XXXX XXXX XXXX, CASCADE CAPITAL FUNDING INC, disputing the debt and denying that I owe it to CASCADE CAPITAL FUNDING. Also in this letter, I demanded that XXXX XXXX XXXX/CASCADE CAPITAL verify the validity of this debt in writing within 30 days and submit a copy to me at the address below. I also asserted my rights under HIPPA and demanded a copy of the HCFA-1500 used to make decisions on my behalf and made part of my designated record set, within the next 30 days. I further requested these items : 1. Provide a billing statement which matches the balance being claimed.

2. Provide an itemized list of services with the charges that XXXX XXXX XXXX XXXX claims to have provided, that total {$4000.00} OR provide the itemized list of services with their charges and any partial payments my health insurance company and I have already made towards these charges. 

My letter was not returned from sender, so it would have arrived. Further, this company ignored my dispute, provided no documentation to me and recently reported this debt to major credit bureaus without stopping collection and validating the debt.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of incorrect accounts from my credit report. Could you verify the documents? Several listed accounts have inaccuracies in the reporting, including amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with the Experian regarding my XXXX XXXX/XXXX   account because XXXX  XXXX was failing to accurately report the correct balance, so in response XXXX  XXXX chose to delete the entire account tradeline from Experian on XX/XX/2020. I called XXXX XXXX and on XX/XX/2020 and spoke to a supervisor XXXX and he said that I would need to contact the Experian to make the correction when XXXX XXXX is the party that requested the deletion. My account has been paid in full and I have been waiting for my credit report to reflect that and was wondering why my credit report didnt look right. It would be really nice if XXXX XXXX went the extra mile for the consumer especially during this national pandemic and these very trying times when consumers are facing difficult hardships. The credit bureaus only report what the creditors instruct them to report as allowed by law and XXXX XXXX should be more cooperative and provide more assistance to their consumers in time of need. 

Please investigate this matter as soon as possible as time is of the very essence as this is having a negative impact on my overall credit score.  I want and need this tradeline added back to my credit profile effective immediately and XXXX XXXX will not cooperate with me as usual. I am attaching a copy of the dispute report from Experian to show the before and after to show that they in fact had my tradeline deleted.
Product: Mortgage

On XX/XX/XXXX due to reasons I could not control and for the first time in my life I was not going to be able to make a monthly mortgage payment. As soon as this happened I called Flagstar Bank my mortgage lender and started requesting information or options to avoid all possibilities of defaulting or getting behind on my mortgage. 
I was directed to Flagstars loss mitigation team in which I was told to fill out a seventeen-page Uniform Borrowers Assistance Form. I completed the form as quickly and accurately as I could. The two methods of sending the form in was by mail or fax. I thought the easiest and to save time I would fax it. This is where the worst experience of my life started with this company Flagstar. The first denied form was due to the fax could not be read on their fax machine, and I was asked to send it again. I completed these three more times all with the same result. I then decided I would mail the form. The first form got denied for missing information things in the wrong place. I submitted this package three more times by mail all with the same result denied for missing information or things in the wrong place. After the first denial and thru the next two attempts I must have called Flagstar Loss Mitigation Department hundreds of times where I was hung up on or told to resubmit the package and at no time would they help me thru the process. 
At the time my now ex-wife during this time left our marriage and wanted a separation and eventually a divorce. Our incomes were split, and our debts were different. I tried to explain this over numerous phone calls to the Loss Mitigation Department that I could not properly fill out the form the way the needed could someone help me, and I was told it had to be on that form. 
This constant delay and lack of costumer service from Flagstar. Flagstar filled for a foreclosure on me without contacted the Veterans Benefits Administration ( VA Loan ). Due to the very unprofessional staff of Flagstar and lack of assistance which they say they will always do everything they can to avoid foreclosure I a XXXX Veteran had to short sale the property and take a loss to my benefits. The short sale was closed on XX/XX/XXXX and my credit history and score are being incorrectly reported. I also received a 1099 with a forgiveness of debt that I filled with my XXXX federal taxes when no forgiveness of debt occurred, and Flagstar received the full amount owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a card they said had guaranteed me to get. I was denied. They promised me {$50.00}, yet have not received it. Now they have stopped answering emails ( changed emails once due to my email acting up. Its resolved now )
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on CoreLogic, XXXX, and XXXX Report and Request for Detailed Description of Verification Methods To Whom It May Concern, Details of Complaint : I am writing to formally dispute inaccurate information on my CoreLogic, XXXX, and XXXX consumer report. Upon reviewing my report, I identified several discrepancies that need correction for a fair assessment of my creditworthiness. Accurate reporting is essential, and I believe the current inaccuracies may adversely affect my financial opportunities. 
Despite previous attempts to rectify these issues through the standard dispute process, the items in question were not properly verified. Therefore, I am now requesting a Detailed Description of the Verification Methods used during the investigation of my dispute. 
Specifically, I request the following details regarding your investigation : XXXX. Methods Used : Please describe the specific methods and procedures used to verify the disputed information. 
XXXX. Sources Consulted : Provide a list of all sources, including creditors or data furnishers, consulted during the investigation. 
XXXX. Documentation Reviewed : Detail any documentation or evidence reviewed to support the verification of the disputed information. 
XXXX. Verification Process : Explain how the accuracy of the information was verified and the criteria used for validation. 
XXXX. Timeline of Investigation : Outline the timeline of the investigation, including key dates and actions taken. 
Violations of Law : I believe the verification process by XXXX may violate my rights under the following laws : XXXX. 15 U.S.C. 1681e ( b ) : Compliance procedures to ensure maximum possible accuracy of consumer reports. 
XXXX. 15 U.S.C. 1681i : Procedure in case of disputed accuracy. 
XXXX. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : Responsibility of furnishers of information to provide accurate information. 
XXXX. 12 CFR 1022.42 : General requirements for reasonable investigation of disputes. 
XXXX. 15 U.S.C. 1681c ( a ) ( 5 ) : Prohibition of adverse information older than seven years.

I request the Consumer Financial Protection Bureau ( CFPB ) facilitate a thorough reinvestigation of the disputed information in my CoreLogic, XXXX, and XXXX report. Specifically, I ask that : XXXX. CoreLogic, XXXX, and XXXX provides a detailed description of their reinvestigation process and how they verified the disputed information. 
XXXX. CoreLogic, XXXX, and XXXX corrects the inaccuracies in my report as identified. 
Enclosed are copies of my CoreLogic, XXXX, and XXXX report highlighting the disputed items and any supporting documentation ( e.g., payment records, correspondence ) that proves my claim. Please review this information and correct the inaccuracies promptly. Under the FCRA, you are required to investigate my dispute within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

AFFIRM reported 3 of my accounts 30 days past due. I have had all those accounts over 7 months and no where on my XXXX report does it show any of other payments, on time or late, only a past due amount, which is not correct. When I requested a verification letter be mailed to me of my loan and to be sent via mail I was denied, as I wanted to see the documents I signed and aggreed to credit reporting. I also inquired as to why no other payments had been reported for over 7 months. I have been using affirm since 2020 and have not had any accounts reported until now. I am requesting the fraudulent information be removed immediately and {$1000.00} compensation for the suffering that I have endured due to the falsified reporting.
Product: Checking or savings account

see attached letter, dated XX/XX/XXXX and attachments 8 pages
Product: Money transfer, virtual currency, or money service

Between the dates of XXXX XXXX XXXX I received a letter communication related to 0 % Promo APR Balance transfer for 12 months for my Marriott XXXX Credit Card by Chase. Please refer to the attached. As a due diligence on my side, I read the whole communication and convinced about the offer and fast forward, I requested a balance transfer of XXXX. XXXX} of XXXX} is the balance transfer transaction fee resulting a cash on hand of {XXXX}. On XX/XX/2022, I received a statement balance of {XXXX} with a due date of XX/XX/2022. 

Breakdown of the statement balance includes : XXXX of XXXX was related to balance transfer. 
XXXX  of XXXX  was for the purchases I made before and after the balance transfer was completed. 

To make good use of the 0 % Promo APR for Balance Transfer for 12 months and to avoid paying interest for purchases, I wanted to make sure that the amount that I will be paying by XX/XX/2022 was for the purchases that was not included in the balance transfer which in my calculation should be {$320.00}. 

On XX/XX/2022, I contacted customer service via phone but I cant get past the automated answering machine. Therefore, I reached out via XXXX. I was told that ; 1. ) I have two balance transfer request when I was only aware of one. They corrected themselves and apologized. 
2. ) To use the 0 % Promo Balance transfer for 12 months, I will need to avoid making purchases while a balance transfer is on the balance. Otherwise, the full statement balance of {$9800.00} ( balance transfer and purchases ) needs to be paid by XX/XX/2022. If not, interest will be charged. 

The letter communication and the customer representative provided two different contexts on balance transfer and purchases with the 0 % promotional APR offer. I based my balance transfer decision from the letter communication which did not clearly state the consequences if there are purchases made on the card. The letter communication is vague and difficult to understand by a regular consumer. 

My conversation with the customer representative led me to return the balance transfer of {XXXX} on XX/XX/2022. Since I can not use the 0 % Promo Balance transfer for 12 months due to the purchases in the card, I requested to waive the XXXX balance transfer transaction fee. However, the customer representative said that my account is not eligible for the fee refund. I have been using this card for quite some time and loved the services and offer. This was my first time requesting to get a fee waived but was unsuccessful. 

While the letter communication is deceptive, it is also unfair that the transaction fee can not be waived since I can not use the balance transfer and 0 % promotional offer. This is a UDAAP violation since a normal consumer like myself was deceived by the letter communication leading up to requesting a balance transfer when in reality, there are restrictions that was not clearly stated in the letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX  XXXX XXXX  XXXX  Inquired on XX/XX/2019, DISCOVER FINANCIAL SER  Inquired on XX/XX/2019. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Consumer Loan

Chrysler Capital furnished a fraudulent response to my earlier complaint, and they continue their grossly negligent handling of my account. 
. 
1. They have failed to accurately and fully acknowledge the full extent of the overpayments I am due in a refund. Consistent with the utter stupidity and incompetence of this outfit, they fail to recognize I am due ( a ) refunds of over-assessed tax payments, and ( b ) overpayment of one monthly lease payment, IN ADDITION TO ( c ) the {$590.00} security deposit they refer to in their response letter. 

2 ) They have admitted that after more than 2 solid months, they STILL have failed to do any final accounting of my account. They only NOW promise that they WILL do so on XXXX XXXX, and this is obviously only because I filed a complaint with the Feds. Had I not filed a complaint, no accounting or statement would have been forthcoming.