23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Account Information : Mortgage Servicer Information : Gregory Funding, LLC XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX, Oregon XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : XXXX XXXX XXXX transferred my home mortgage to Gregory Funding in XXXX of XXXX. Currently, I am in the process of trying to pay the mortgage off. I have reached out to Gregory Funding for the past year and feel I have not been able to receive satisfactory information concerning the mortgage. I initially contacted XXXX XXXX but was told no other information was available as it had been transferred to Gregory Funding. According to paperwork Ive obtained from the credit bureau and from Gregory Funding the amount of the mortgage originated in XX/XX/XXXX was {$130000.00}. I have reached out to Gregory Funding and XXXX XXXX to obtain the correct information and the payoff amount on many occasions but have not been able to receive the correct amount that was actually owed since XX/XX/XXXX because according to the documents the original mortgage amount in XXXX was {$130000.00}. To date from XX/XX/XXXX until the present time XX/XX/XXXX I have paid Gregory Funding approximately {$120000.00}. The interest rate is 6 %. I received a payoff statement from Gregory Funding for {$140000.00} several months ago and have spoken with many of the staff but still havent received the correct information. 
Over the last year I have reached out to the headquarters many times, tried to speak with someone in management to see I can get the correct amount. The number at the headquarters located in XXXX, Oregon goes to an answering machine and no one returns your call. The wait on the office phone located in XXXX Oregon is normally over an hour or more, and when someone gets on the line the information that is received is normally not what you request. I have had several calls just dropped after holding for way over an hour. I have waited several months for another payoff statement after I told them that the original mortgage amount was {$130000.00} in XXXX ; and that is not the amount that should have been transferred in XXXX. It should have been much lower. I have not gotten any additional information from them. 
From what I understand they are plagued with lawsuits for mishandling customers accounts, mortgage balances not correct and not providing correct information concerning mortgages that they hold. I have enclosed a copy of a lawsuit that theyre trying to settle now due to them violating the federal Fair Debt Collection Practices Act. 
I certainly hope your organization can help me obtain correct information relative to my mortgage so I can pay it off! Thanks for any consideration, given this request. 


XXXX XXXX XXXX XXXX cell preferred XXXX office
Product: Credit reporting, credit repair services, or other personal consumer reports

According to ( FCRA ) ( 15 U.S.C. 1681 I have the right to dispute any inaccurate information found on my Credit report. SYNC/BELK is reporting inaccurate information, I have sent several disputes on the dates stated below : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Debt or credit management

I have received many letters every month from Jefferson Capital System # XXXX and I call them asked to tell what did I buy from them but they never did. I have more then XXXX credit Cards why should I buy something {$750.00} with unknown company and I can used some of my credit for then {$10000.00} or XXXX
Product: Mortgage

We are getting so frustrated with Freedom mortgage. We made a {$2500.00} payment on XX/XX/2023 over the phone. Freedom mortgage withdrew the {$2500.00} from our XXXX bank account ending with XXXX on XX/XX/XXXX and did not credit to my balance till today. Called multiple times, spoke to many of their employees, different answers, provided bank statement shows the withdrawal and still can not get through to them, we are dealing with an incompetent staff. We keep track of every payment we make. Freedom mortgage needs to be investigated, this is considered fraud. In addition, We are still waiting for our repayment plan approval, we sent ppw to them and they always respond that they did not receive it, yet we have confirmations whether it was faxed or emailed to them. We are going to fight until this is resolved even if it goes to court.
Product: Credit card or prepaid card

On XX/XX/2022, I opened an account with Wells Fargo for a Credit Card that included a promotional purchase period and promotional balance tranfser offer. On the same date, I was approved for a a balance transfer of {$6000.00} to XXXX XXXX. On XX/XX/2022, I had still not received my credit card or had a balance transfer completed and called Wells Fargo support. Tier 1 support did not understand the issue, so I was escalated to tier 2 for better suport. Teir 2 support informed me that my balance transfer funds of {$6000.00} had been released to XXXX XXXX and would post by XX/XX/2022. Tier XXXX support also informed me that my credit card had shipped and would arrive shortly and that any promotional offers would be extended accordingly. On XX/XX/2022, I received a letter from Wells Fargo that my " balance transfer for {$6000.00} to XXXX  XXXX was not completed because... have not received your new account credit card .... '' Although I was told by tier 2 support that my funds had been released on XX/XX/2022, they had not and I was subsequently notified that this was incorrect. Upon account opening, I was informed that my card would be received within 7-10 business days and my balance transfer would be completed within 2 weeks. Both of these timelines have been blown out of the water. Furthermore, upon speaking to the executive support team on XX/XX/2022, I was informed that the promotional offers WOULD NOT be extended even though I was unable to leverage the promotional offers due to delays caused by Wells Fargo. Wells Fargo support have been unproffessional and downright uneducated on the terms and conditions of the opened accounts. At this point, I wish I had never opened an account with Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 

As you know it is against the law to report any information not proven accurate. I demand that you provide me with concrete evidence of my obligation to said accounts. 

Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and are in compliance then you must remove the account from my credit report. 
I have attached my ONLY 2 forms of ID to this complaint
Product: Checking or savings account

On XX/XX/year> I saw that there were funds coming out of my checking account, I called Chase Fraud prevention they started a disputed and advised me to open a new account since my current account was compromised. a week later I opened a new. The next day my account was closed. I called Chase to find out what was going on and they advised me that they could close your account at anytime. I looked at the terms and it is conveniently located at the very bottom of page 26 of 29. 

On XX/XX/year> after speaking with someone in the recovery department, he said because I opened a new account I flagged my profile then he said I used a fictitious check ( Which is total XXXX!!! ) I asked him for dates and amount and he said that is private information. Which If I am the party involved how is that private? 

On XX/XX/year> I reached out to the executive office, which let me tell you is a joke, the person helping me with my case, was unwilling to help me and look into this matter, when I spoke with him, he replied and I quote " What is the point of this call. The handling of my case did not sit well so I called the Exec line again, I asked to speak with a manager and the person said no, because the decision is final and I don't get to speak with anyone. 

Botton line, I have been with Chase 5 years, my XXXX XXXX XXXX has the first checking my XXXX XXXX XXXX daughter has a savings account and I have money investment account. I was a loyal customer and the bank has treated my like a criminal and has been nothing but rude to me. I am XXXX XXXX XXXX professional who works in the corporate world, and this is not how you treat people. Out of XXXX reviews on BBB 85 % of people had this same issues. So this is something that needs to stop and the CFPB needs to watch how Chase is conducting themselves.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous items which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$240.00} XXXX  XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$280.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$110.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX & XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXXE Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any item in the file of a consumer that the consumer identifies as items that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

My name is XXXX XXXX, XXXX XXXX XXXX, XXXX Texas, XXXX My husband and I bought this prepaid Visa one year ago. We put {$100.00} on this prepaid Visa. We we tried to activate it we were told the company had no record of the card. We contactedU.S.Bank/U.S.Bankcorp/XXXX XXXX XXXXXXXX at the number on the back of the card, which was, XXXX, many times, but could never manage to get someone on the phone. After many frustrating months, and numerous phone calls We managed to speak with someone who informed us that the card had a {$0.00}. We weren't able never able to even activate it much less use it and again were told there was nothing they could do. The card value was {$100.00}, and is currently valid through XX/XX/2021, as stated on the front of the card. We are asking that CFPB please make others aware of this problem to prevent this type of fraud happening to anyone else! And, if in the process, CFPB could assist us is receiving our money back, we would be very grateful! Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Texas XXXX
Product: Credit reporting or other personal consumer reports

Im not liable for this debt with XXXX XXXX I do not have a contract with the XXXX XXXX XXXX. They did NOT provide me with the original contract as requested.
Product: Vehicle loan or lease

I LEASED A XXXX XXXX XXXX AND IT WAS SOLD TO XXXX XXXX ON XX/XX/XXXX. THEY INITALLY REPORTED THAT THE PAYMENT WAS LATE BUT IT WAS NOT BUT IN REVIEW OF MY CONTRACT, I SEE THAT I WAS CHARGED FOR A WARRANTY. NOT JUST ONE BUT MULTIPLE. I HAVE BEEN ATTEMPTING TO CONTACT FOR FOR A REFUDN BUT HAVE BEEN UNSUCCEFUL. WHAT A HORRIBLE WAY TO TREAT A CUSTOMER AND THEN TO ADD INJUST TO INSULT, THEY SENT A BILL FOR A LATE FEE FOR XXXX AND THE TRUCK WAS SOLD.
Product: Debt collection

Upon closely analyzing my latest credit report, I found several accounts that I believe are incorrect and were included without my knowledge.
Product: Money transfer, virtual currency, or money service

I'm filing a complaint against cash app block.ink due to inadequate customer service and unfair practices which violates the consumer financial protection act Cash up failed to take timely and effective measures to adjust and prevent fraud on their platform leaving my account vulnerable and unprotected furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electric fund transfer act and regulation e these actions have caused significant inconvenience and financial loss And I seek appropriate redress or compensation for all these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters via priority mail and fax. I have filed a police report with the XXXX XXXX Police Department via submission number XXXX and an identity theft report with identitytheft.gov via reference number XXXX. I have included this information in each letter which I have sent over 10 times to each credit bureau including the following accounts that are results of identity theft. 

XXXX  : Account : XXXX XXXX Account # : XXXX Account : XXXX  XXXX XXXX XXXX Account # : XXXX Account : XXXX XXXX XXXX Account # : XXXX Account : XXXX XXXX XXXX Account # : XXXX TransUnion : Account : XXXX XXXX XXXX Account # : XXXX XXXX : Account : XXXX XXXX Account # : XXXX
Product: Debt collection

My pay was garnished {$500.00} by a company named Cach LLC or XXXX and XXXX PA. My payroll team stated that there was no other information given. He have me the filing information which had an address I have not lived at since XXXX. I was never notified of these proceedings. I contacted the court system who signed the docket and they stated that they did not have a number to contact the company either, but I could file and exemption to stop garnishments and get a court date. The court representative also advised me that this case was originally filed in XXXX which is beyond statutory limitations. She stated that she couldnt give me much more information. I tried to research judgements and debt that couldve possibly been on my credit report and concluded that this debt is not mine. I researched the company and found that they are known for attaching debt to people that doesnt belong to them. Im a single mother of 5 and I cant afford to have {$500.00} taken from each paycheck.
Product: Student loan

Edfinancial doesn't provide estimated wait times or confirmation email on how my loan refund application is going. I also do not know how much I am getting refunded. They just want us to wait and referred me to get information from the department of education. I hope there is a way to get an estimated progress information updates from the organization or the department of education.
Product: Mortgage

My issue is an overfunded escrow account which has increased my monthly payments to {$360.00}. mth. The first time this happened, my mortgage company told me my taxes had increased. I'm a senior with senior freezes and homeownership freezes. After investigating with the county, for some reason, Shellpoint was estimating my taxes higher. At the end of each year, I receive a refund. I was paying {$1100.00}. mth, and my monthly payment should have been {$880.00}. mth I live on a fixed income with little room to waggie. The issues in XXXX  the mortgage company again raised my monthly payment. Again I protested and came to the point I could no longer make the payments. On the XXXX of each month, I sent {$1000.00}. They would accept the payment and mark my credit late for 10 months. I was in constant contact but they said they couldn't do an escrow analysis until the end of the year and sent me a check in XXXX for the overpayment. 

Now, after a two-year fight, I have bad credit. This is my problem. I've asked the mortgage company to correct my credit report since I was only supposed to pay {$880.00} mth. I'm looking to see if I have any rights to make the mortgage company change its reporting. Attached is the XXXX XXXX tax bill amount and how much they paid. I sent them a request and their responses need more info XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Notice for Proof of Claim Account : FIRST FED CREDIT CONTROL # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.

The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and MEDICAL-HOSP XXXX XXXX UNIVERSITY that gave you the right to collect this debt
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter serves as my formal demand under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 and the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 for the immediate removal of the XXXX XXXX XXXX accounts currently being fraudulently and inaccurately reported to XXXX, XXXX, and Equifax. 

LEGAL DEMAND FOR PROOF OF VALIDITY Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), a data furnisher such as XXXX XXXX must only report accurate information. You have failed to provide verifiable written proof that these accounts belong to me, which constitutes a direct violation of federal law. If you can not produce original signed contracts, account statements, and all supporting documentation proving these accounts are valid within 30 days of this notice, you are legally required to delete them under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Furthermore, under 15 U.S.C. 1692g ( b ), failure to provide debt validation bars you from attempting to collect or report this debt. Since no valid proof has been sent to me, continued reporting of these accounts is unlawful and will result in immediate legal action. 

LEGAL CONSEQUENCES OF NON-COMPLIANCE If XXXX XXXX  does not comply by removing these accounts within 30 days, I will take the following actions : XXXX a formal complaint with the Consumer Financial Protection Bureau XXXX CFPB ), Federal Trade Commission XXXX FTC ), and my State Attorney Generals Office against XXXX XXXX  for violating the FCRA and FDCPA. 
XXXX XXXX XXXX for willful non-compliance under 15 U.S.C. 1681n, seeking damages of up to {$1000.00} per violation, plus attorney fees and court costs. 
XXXX litigation against the credit bureaus if they fail to delete this erroneous information per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 
XXXX expose these fraudulent and deceptive practices to consumer advocacy groups, online platforms, and social media. 

FINAL WARNING This is my final notice before I escalate this matter. You are legally obligated to remove these accounts immediately from XXXX, XXXX, and Equifax. Failure to do so will result in legal consequences that will cost your company far more than simply complying with the law. 

I expect a written response confirming removal within 15 days of receipt of this letter. If these accounts are not permanently deleted within 30 days, I will pursue legal action without further notice.
Product: Credit reporting or other personal consumer reports

XXXX was sued and I guess the closed and have transferred me to XXXX. In process, XXXX has reported a late payment for XX/XX/year> and there was not. My credit score has dropped. I have proof from my XXXX XXXX account that they drafted the money from my checking account on time.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Credence Resource Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Account Number : XXXX Debt Amount : XXXX Dear Credence Resource Management I am writing in response to your communication dated XX/XX/year> regarding a debt you claim I owe. I am requesting that you provide full validation of this debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Please provide the following information : 1. Verification of the debt, including the amount owed and the original creditors name. 
2. A copy of any contract or agreement showing that I am legally obligated to pay this debt. 
3. Proof that you are legally entitled to collect this debt. 
4. Documentation of the complete payment history, including how you calculated what you say I owe. 
5. The name and address of the original creditor, along with any account number associated with this debt. 

According to the FDCPA, you must stop all collection activity until you provide sufficient evidence that validates this debt. Any further attempts to collect without such validation will be considered a violation of the FDCPA. 

Please note that this letter is not a refusal to pay but a request for information. Once you provide the requested documents, I will review them and respond accordingly. 

I also request that you refrain from contacting me via telephone. All future communications should be in writing to the address listed above. 

Sincerely, XXXX XXXX