23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This is a third complaint about XXXX. This mortgage company purchased my commercial loan without my agreement from mycooper back in XX/XX/XXXX Since that time they screwing up my escrows and using insurance as an excuse. Prior complaint that I filled last month was about my current insurance that XXXX could not attached for number of reasons, despite the fact that we submitted proof number of times. They deliberately refused to do it and threatened me to purchase insurance for me. Mind you I have full coverage and my agent said he never seen anything like this. Ever. So finally it's attached after the last complaint. 
Now they demanding proof of coverage for prior period From XX/XX/XXXX through XX/XX/XXXX Mind you that this was around the time they purchased the mortgage. Mind you I have copies of the emails I sent and my agent sent to XXXX with certificate that I am attaching here. 

Here is XXXX of them : XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX PM to XXXX, XXXX, XXXX Received. I'll forward to my insurance team to update the account. Please confirm the policy has been paid. Thank you. 

Best regards, XXXX XXXX XXXX | XXXX XXXXXXXX Commercial Servicing | XXXX XXXX | Phone XXXX XXXX | Fax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX Mortgage, a subsidiary of Ocwen Financial Corporation The link to the new letter I just received from XXXX can be found here https : XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have identified inaccurate late payment reporting that violates my rights under the Fair Credit Reporting Act ( FCRA ). As shown in my report, both TransUnion and XXXX are inaccurately reporting late payments, while XXXX is not reporting these accounts XXXX ( Account XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) at all. This inconsistency raises serious concerns about the legitimacy and accuracy of the data being furnished. Additionally, this reporting violates 15 U.S.C. 1681b, as transactions are being reported without a permissible purpose under the FCRA. The FCRA clearly states that both transactions and experiences between the consumer and the entity furnishing the report must be excluded from a consumer report. I am the consumer, and under the FCRA, the term person ( 15 U.S.C. 1681a ( b ) ) includes any individual, partnership, corporation, association, or other entity this includes both the reporting agency and the furnisher of the disputed information. Therefore, the items I am disputing fall under the category of information that should not appear on my consumer report. Furthermore, 15U.S.C. 1681e ( b ) requires consumer reporting agencies to maintain the highest possible accuracy in their records, which is not being upheld given the discrepancies across the bureaus. Moreover, 15 U.S.C. 1666c states that a creditor may not consider a payment late if it was made within the agreed grace period. If these reported late payments were within the allowed timeframe, then this reporting is also unlawful. I am not requesting the removal of the account but rather a correction of the inaccurate late payments in compliance with the FCRA.This serves as my final notice to XXXX and TransUnion to correct these inaccuracies immediately. If these errors are not corrected promptly, I will escalate this matter further, including pursuing legal action for willful and negligent noncompliance under 15 U.S.C. 1681n and 15 U.S.C. 1681o and seeking all applicable remedies under the law. I urge the CFPB to take immediate action to ensure compliance with federal law and the protection of my consumer rights.
Product: Mortgage

i have called them on XX/XX/XXXX and made my payment the representative took my payment and she read the script and we were all done so i called back on XX/XX/XXXX to find out why the money is still in my bank acct and i was told that it was canceled bc the rep did not complete the phone call and so the payment was not prepossess rite so i asked to have them pull the phone call and tell me why she put that there if she did complete the call and them i got transfer to a different department to do other things and do i got a rude manager on the line very very rude service in this company she said she cant help me so she got me over to the collection department and the rep there when i told him what happens and i said this crazy people in costumer service need to be train ride he said he is not going to talk to me and hung up the phone and did not take my payment for my house so i called back to talk to some one else i was on hold for over 45 min and cant get no one on the line ever why do we have to have company in this world when they refused to talk to people with a professional matter and help them why are this people taking this personal and not handling this professional level.. 
i got my house in XX/XX/XXXX and they finance us thru XXXX XXXX and this has been a nite mare with them
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting an account to all 3 credit bureaus as a charged off account which i have challenged the 100 % accurate reporting of this account 6 times to the credit bureaus and they always say its verified XXXX accurate well heres proof its not and i am escalating this to the CFPB ... ... this account is Inaccurate. i have pointed the inaccurate reporting to the 3 credit bureaus as well as discover 6 times in the past year and they ignore it ..by law they are required to report 100 % accurate, verifiable and consistent data between bureaus and they are not.they are reporting 2 different dates of last payment between the credit bureaus XX/XX/2019, and XX/XX/2019 this account is re aged.they are reporting 2 different high credit amounts XXXX and XXXX ..they are violating my rights as a consumer Also since they are reporting this as a charged off account they should have send me a copy of the 1099C that was issued to the IRS by law and i never received it... i have attached a copy of proof of this inaccurate reporting
Product: Credit card or prepaid card

On XX/XX/20 my cards were stolen. 

I have two police reports. 
XXXX XXXX XXXX XXXX XXXX My personal debit card was charged for {$1500.00} @ target. My bank covered me with information supplied. 

Bank of America was given the same information. They have denied the fraud charge after three attempts to reopen. This is {$53.00}. It's a matter of principle. 

We have a target card that we receive a 5 % discount so we don't use other cards there. 

The last attempt was three days ago when we were promised a call from a fraud manager within 24 hours. No call.
Product: Credit card or prepaid card

Purchased airfare thru XXXX on XXXX XXXX, XXXX. Tried to cancel tickets XXXX XXXX, but was told I had to pay {$1900.00} upfront to cancel. Capital One ( Credit Card ) told me not to pay, they would dispute amount. Have been disputing since then, and have been rebilled the original amount plus {$600.00}. During this dispute process, Capital one has reported me as late on my credit reports, has frozen my account and told me to seek legal council. They can no longer help me unless I pay them what is owed!
Product: Student loan

So first, I saw an additional XXXX in my student account coming out of no where. They first told me they were taking it off my subsidized loans which I did not see being taken off. Then I was told after a XXXX minute conversation, of them trying to convince me that I was getting the benefit from this, which I completely disagreed since it had nothing to do with me or my loans. That I would not see those charges after Tuesday. Then when I look at my account today ( saturday ), I see XXXX being charged in my account. I am so confused, I am not going to be earning enough money to pay off random money that is being sent to my account. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Army Air Force Exchange Service ( AAFES ) refuses to stop reporting a derogatory item against my personal credit report despite presentation of documentation that proves the existence of mitigating circumstances tied to active duty military service. After I was ordered to active duty from the reserve component, an automatic allotment that I had setup to make automatic payments against my open XXXX XXXX XXXX ( credit card offered and managed by AAFES ) did not immediately carry over. I was ordered to attend an intense military training pipeline that spanned approximately 20 months and included multiple short-notice relocations during that timeframe ( see attached sets of orders ). Additionally, the Creditor is in violation of the Fair Credit Reporting Act because I was never provided prior notification of pending material changes to my credit report. It was only after reaching my final base that I learned something was wrong. One of my paychecks was approximately XXXX smaller than normal. Upon reconciliation of the reserve and active pay systems, the XXXX and XXXX XXXX XXXX ( XXXX ) automatically sent a single payment to close the remaining outstanding balance still open against the account held by the named Creditor ( reference the attached Leave and Earnings Statement ). In effect, by the time I realized something was wrong, the Creditor had already sent the account into collections. The Creditor claims to have sent notification ; however, the last address they had on file was my reserve unit HQ building -- even though this makes no sense as the XXXX XXXX is a personal credit card requiring a residential address during the application/sign up process ( which I provided ). Personnel at my reserve unit were not able to verify receipt of any personal notifications addressed to me from AAFES during my absence. 

I have attempted to work directly with the Creditor and all three Credit Reporting Agencies XXXX see attached email correspondence and dispute letters XXXX. I have even retained legal representation ( see attached legal notices from XXXX XXXX XXXX ). The Creditor states that the decision rests with the CRAs. The CRAs state that the decision rests with the Creditor. All involved parties refuse to coordinate and simply shift the responsibility. I have already filed a complaint against the CRAs, but was unable to also list AAFES. This complaint is specifically intended for the named Creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested a copy of my Equifax Credit Report because I 'm aware of several changes in my credit report and need to confirm it 's correct. Equifax continues not granting my request. Furthermore, I tried obtaining my annual free Equifax credit report but was unable to even though I was able to get my XXXX & XXXX  Credit Report.
Product: Credit reporting or other personal consumer reports

I can not retrieve my credit report from TransUnion. I get this error message : " We're unable to complete your request online. '' Contacted them in the XXXX  of XXXX, they said there was an error on the report and said they would fix it. 

Today I tried to access again and get the same error. I have called three times and have been told that there is an error on the report. They then transfer me to " Technical Support '' and the call disconnects after 30-45 minute with no answer or resolution. 

I have spent 3 hours on the phone over three hours and can get no one to respond to help. 

I can not reach someone for a timely resolution. There are no mailing options on the website or social media/texting options presented. 

They are not transparent and make very effort to frustrate a consumer so that they don't hjave to deal with it!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX
ACCOUNT NUMBER:XXXX  
LOCATION INFORMATION: XXXX XXXX XXXX XXXX XXXX XXXX


TO WHOM IT MAY CONCERN,

THIS IS ABOUT THE CONSUMER CREDIT TRANSACTION INITIATED ON XXXX XXXX XXXX WITH YOUR FINANCIAL INSTITUTION EXECUTED BY WAY OF SIGNING AN AGREEMENT ( DOCUMENT). AS PER 15 USC 6827(3) THE TERM DOCUMENT MEANS ANY INFORMATION IN ANY FORM.

THE PROVISIONS OF 15 USC 6801(A) REQUIRE FINANCIAL INSTITUTIONS TO NOTIFY CONSUMERS OF THEIR INFORMATION SHARING PRACTICES AND PROVIDE FOR A RIGHT TO OPT OUT OF CERTAIN SHARING. 

IN THE ABOVE MENTIONED CONSUMER CREDIT TRANSACTION, WITHOUT GIVING ME THE OPPORTUNITY TO OPT-OUT, YOUR INSTITUTION FURNISHED MY NONPUBLIC PERSONAL INFORMATION TO NONAFFILIATED THIRD PARTIES( I.E EXPERIANXXXX XXXX XXXX XXXX  )

ACCORDING TO 15 USC 6809(4)(A), THE TERM  NONPUBLIC PERSONAL INFORMATION MEANS PERSONALLY IDENTIFIABLE INFORMATION-

(I) PROVIDED BY A CONSUMER TO A FINANCIAL INSTITUTION;
(ii) RESULTING FROM ANY TRANSACTION WITH THE CONSUMER OR ANY SERVICE PERFORMED FOR THE CONSUMER;OR
(iii) OTHERWISE OBTAINED BY THE FINANCIAL INSTITUTION

FURTHER, PURSUANT TO 15 USC 6809(5) THE TERM NONAFFILIATED THIRD PARTY MEANS ANY ENTITY THAT IS NOT AN AFFILIATE OF OR RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL WITH THE FINANCIAL INSTITUTION BUT DOES NOT INCLUDE A JOINT EMPLOYEE OF SUCH INSTITUTION.

THEREFORE, AS PER THE LITERAL INTERPRETATION, THE ORGANIZATION NAMED XXXX XXXX AND EXPERIAN ARE NONAFFILIATED THIRD PARTIES AND YOUR INSTITUTION HAS VIOLATED THE PROVISIONS OF 15 USC 6802.

IN CASE YOUR COMPANY ADMITS THAT THE ORGANIZATION NAMED; XXXX XXXX & EXPERIAN IS AFFILIATED, IT HAS STILL VIOLATED THE PROVISIONS OF THE FAIR CREDIT REPORTING ACT.

PURSUANT TO 15 USC 1681A (D)(2)(ii), THE CONSUMER REPORT WILL NOT INCLUDE ANY INFORMATION COMMUNICATED AMOUNG PERSONS RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL.

FURTHER, 15 USC 1681A (D)(2)(A)(ii) STATES THAT IF THE COMPANY WANTS TO COMMUNICATE OTHER INFORMATION AMOUNG PERSONS RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL, IT SHALL BE CLEARLY AND CONSPICUOUSLY DISCLOSED TO THE CONSUMER THAT THE INFORMATION MAYBE COMMUNICATED AMOUNG SUCH PERSONS AND THE CONSUMER SHALL BE GIVEN THE OPPORTUNITY TO DIRECT THAT SUCH INFORMATION NOT BE COMMUNICATED AMOUNG SUCH PERSONS.

THEREFORE, YOUR COMPANY HAS NOT ONLY INFRINGED MY RIGHT TO PRIVACY BUT ALSO VIOLATED MULTIPLE FEDERAL LAWS.

I HEREBY DEMAND YOU TO REMOVE THE BELOW MENTIONED INFORMATION FROM MY CREDIT REPORT AND UPDATE ACCOUNT TO PAID AS AGREED;

LATE PAYMENTS: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX


IF YOU ACCEPT MY REQUEST, I WILL NOT ESCALATE THIS MATTER TO A FEDERAL COMPLAINT.

THANK YOU FOR YOUR ATTENTION TO THIS MATTER.

SINCERELY, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am writing this complaint against XXXX and XXXX. XXXX and XXXX both said they verified a Fraudulent Convergent Outsourcing collection account on my credit report. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 


I have also attached the correspondence I have rec-ivied from XXXX and covergent. 
I have also attached my ID so XXXX cant falsely say I hired someone to dispute these for me. 

I also want XXXX to know I have filed a complaint with the Attorney General Office and my next step is litigation
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, I am submitting this CFPB complaint, once again, to correct the accounts on my credit file. I demand the immediatecorrection of these accounts from my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. The following accounts should be corrected right away : 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 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 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 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}.
Product: Mortgage

On multiple occasions between XX/XX/XXXX and XX/XX/2022 I have contacted Wells Fargo for information on my XXXX XXXX mortgage loan. I have provided judge signed probate papers naming me as the estate administrator and they are still refusing to provide valuable information related to the mortgage loan. 

I spoke with a representative tonight, XX/XX/2022, who wouldnt give me payoff or payment date information.
Product: Mortgage

Mr. Cooper bought my XXXX XXXX  loan about 6 months ago. 
1. They require i request Auto Pay via their App! 
Despite 10 tries and multiple calls, App does not work 2. I sent checks. Never ever had to mail checks to mortgage company. Auto pay is standard 3. They still charged a late fee for an auto pay their representative set up via phone 4. They don't have proper customer support for XXXX XXXX customers So App doesn't work. I don't have time to call them during my working hours. 

Their policies are a conspiracy to charge late fees! No working App, no customer support, chat is NOT a sufficient resource! 
Thus is : Breach of Fiduciary Responsibility by Mr. Cooper Fraud by charging me late fees caused by their lack of necessary customer support. 
Conspiracy as their policies and lack of support result in late fees. That is their goal I've paid mortgages since 1989! No bank has ever withheld support regarding payments. No bank forced customers to go to App No bank support unavailable in my XXXX XXXX  evenings No bank pushes automation ans Chat as a substitute for real needed support They just hung up from my 11th call! 
Stating late fees are part of the contract There would be no late fees if they lived up to their legsl obligations Breach of Fiduciary Responsibility, Conspiracy, Fraud and unavailable support are all justified LEGAL complaints against this horrible Mortgage Lender
Product: Vehicle loan or lease

I am writing to formally file a complaint against Santander Consumer USA regarding their refusal to provide the Actual Cash Value ( ACV ) of my vehicle following a total loss. Despite their written commitment in a letter dated XX/XX/scrub> 2023, they have failed to fulfill their obligation, causing financial hardship and unnecessary delays. 

Background of the Issue : I financed the purchase of my vehicle through a dealership in New York, and Santander Consumer USA is the lienholder. In the attached letter from Santander, it clearly states : " If the vehicle is a total loss as a result of damage or theft, you will not be liable for the gap amount... The primary insurance company 's determination of the actual cash value of the vehicle or the actual cash value as determined by us if you have no insurance. '' Unfortunately, my vehicle was declared a total loss, and I did not have insurance at the time of the incident. Per Santanders own letter, they are responsible for determining and providing the ACV in the absence of an insurance settlement. However, Santander has refused to provide me with the ACV of the vehicle and has not applied any resolution to my account. 

Unfair and Deceptive Practices : Santanders refusal to honor their written commitment is misleading and amounts to unfair and deceptive business practices under consumer protection laws. Their failure to act in good faith has left me in financial limbo, as I can not resolve my outstanding balance without knowing the ACV they claim to provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE THREE CREDIT BUREAU ADVISED ME TO GET A POLICE REPORT DO TO FRAUDULENT INFORMATION ON MY CREDIT FILES, I DID THAT AND SENT IT OVER THE EACH COMPANY EQUIFAX FRAUDULENT ACCOUNTS ( 2 XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX )
Product: Credit card

I am disputing the collection account with XXXX XXXX XXXX XXXX account number XXXX, dated XX/XX/year>, with a balance of {$7400.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX XXXX XXXX  provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Credit card

On XXXX XXXX I had a payment due on my Chase credit card. I went online at approximately XXXX CST to make this payment and completed the payment around XXXX that evening. After my statement was cut I noticed that I had received a late fee on my account and the payment that I processed at XXXX on XXXX did not go through until XXXX. I was unware of the cut-off policy that Chase has that payments processed after XXXX EST are processed and dated for the next business day. I then later found out that if you call customer service and process a payment over the phone they can date the payment for the same date until midnight the same day. Because of the lack of information given and available to me the customer service rep that I spoke with on XXXX stated that he would be reversing the late fee assessed to my account since I was late by & lt ; an hour and if I had know about the payment policy I could have easily avoided this situation. 

I have since messaged Chase numerous times following up on this fee reversal and they claim that they do not have a record of my call on XXXX and will not reverse the fee. I am very disappointed given the circumstances and the commitment by the customer service rep that the fee for this " late '' payment is still outstanding.
Product: Money transfer, virtual currency, or money service

I am currently in an agreement with a past employer to pay back a sign-on bonus that I received. The payments were to be made by check, until XX/XX/2022 when electronic payments became available. I received and email stating where and how to make a payment, and that if I wanted recurring payments could be set up. After making the first payment electronically in XX/XX/2022, the email confirmation stated I would be set up for an auto draft. The payment portal never had any reference to auto payments or an area for me to electronically sign to agree to an auto draft. XX/XX/2022 when the payment was due they drafted a payment from my account without my consent. I notified them immediately, and requested to have it removed, which they agreed to. My concern is that they couldnt provide me any documentation when requested where I authorized them to draft my account, as well as they do not understand the requirements under the EFTA to draft a consumers account. They were relying heavily on the fact that they were ok to do so because the email stated such.