23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

For the past three years Arvest Central Mortgage has been charging us for insurance on our property, even though evidence of insurance paid in full by us directly to the insurance companies, has been provided to them. They have continued to charge us escrow for said insurance and they refuse to refund us the funds for insurance they've charged us through the escrow account. We have asked them repeatedly to take escrow off of the account to no avail. Of more concern is that for the last six months, while we have submitted mortgage and insurance payments to them before the due date, they are not applying the payments to our account even though they have cashed the checks. Since they are not applying the payments, they are charging us late payment fees for payments that are not late. They have also reported us to the credit bureaus for late payments that are not late. We have tried to address this with Arvest Central Mortgage without any results.
Product: Student loan

I had an outstanding loan of around {$17000.00} from discover at 9.25 % interest rate. To reduce the rate I decided to go to XXXX who offered me an interest rate of 4.9 %. From XXXX, I requested for a greater amount than required because I was assured that the extra amount would be reimbursed directly by discover to XXXX and the interest adjusted accordingly. So XXXX  disbursed my loan ( around {$19000.00} ). My balance amount in discover was then - {$2200.00} ( Minus XXXX  USD ). 

At this point discover was supposed to mail XXXX a check of {$2200.00} so that the amount would be adjusted in my loan amount. However discover has never mailed this check to XX/XX/XXXX! They showed an updated balance of {$0.00} on XX/XX/2019. Neither I nor XXXX has received this check. I called them and they insisted they had mailed a check. But could not produce any proof. They claim the process to check for any error takes 7-10 days. They have not since gotten back to me.
Product: Debt collection

I am filing this complaint regarding Systems & Services Technologies , Inc. ( SST ) for deceptive and potentially unlawful loan servicing practices. My original loan, serviced by XXXX XXXX, was transferred to SST earlier this year. Shortly thereafter, SST unilaterally changed the terms of my loan from a revolving line of credit to a fixed-term loan without providing proper documentation or obtaining my consent.

When I requested a copy of my original loan agreement to verify the terms, SST refused to provide it. This lack of transparency, combined with the unauthorized alteration of loan terms, has caused significant financial uncertainty and appears to violate consumer protection laws, including the Truth in Lending Act ( TILA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Impact : The change in loan terms has resulted in less favorable repayment conditions. 
SSTs refusal to provide documentation has made it impossible to verify the legitimacy of these changes. 
This has caused financial stress, potential harm to my credit, and disrupted my financial planning. 
Requested Resolution : Require SST to provide the original loan agreement and detailed documentation justifying the change in terms. 
Investigate SST for potential violations of federal and state consumer protection laws. 
Restore the original loan terms or provide equitable relief. 
I urge your agency to take action to prevent further harm to borrowers and hold SST accountable for their practices.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX XXXX I asked Experian and XXXX for proof of repossession of this auto loan. They have not provided that and it has been well over XXXX  days I sent in a dispute letter on XXXX XXXX they just verified it with no proof of repossession or proof of lien XXXX I sent another letter requesting this information on XXXX XXXX. They have not provided me with any documentation. 

Under the FCRA, if a consumer disputes the accuracy of any information on their credit report and the credit reporting agency ( CRA ) can not verify the accuracy of that information, the CRA must promptly delete that information from the consumer 's credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a reported a fraudulant account on my credit report several times to Equifax. I was told I needed a police report in order to prove identity theft and request any removals, which I have done.   I requested proof of my signature for validation of debt. The credit bureau did not provide any proof of requested verification, after I have stated it was a fraudulant account. Equifax stated it was verified, but with no proof of verification and stated they are not required to provide proof.   I have sent police reports and affidavits. The said company could also not provide any proof of my signature verifying debt, stating they didnt h ave one on f ile, so how did the credit bureau verify debt if this is the case??. I Was told by the company reporting the debt, that the account was open online, therefore they ca n't prove if it is legitmate or not. They also, sold the account/debt, but yet, are currently still reporting it, as charged off, with a balance, past due and revolving? As you know, it is the law, that credit bureaus report accurate and complete information on a consumer report or they must remove it. Given there are several issues with this item being reported and it is a fraudulant account, I am expecting it will be removed immediatley.      Fraudulant Item  being reported incorrectly by Equifax :  XXXX  Acct #  XXXX
Product: Student loan

My loans were transferred roughly 90 days ago and my account still fails to reflect how many payments I have made, or how many payments I have left before my loans are XXXX.
Product: Credit card

I had called Chase and had recieved no help then I had sent this message from Chase.com to Account Services and they got back to me few days ago and said we can not issue me the refund when I am clearly provinding the details. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to formally dispute a charge on my credit card for a hotel booking made at XXXX XXXX  by XXXX XXXX through XXXX. The booking details are as follows : Booking Platform : XXXX XXXX : XXXXXXXX XXXX  by XXXX XXXX Transaction Date : XX/XX/year> Total Cost : {$330.00} including taxes and fees Issue Date : XX/XX/year> Dispute Amount : {$220.00} for XXXX nights Upon arrival at the hotel I discovered an unexpected additional charge of {$55.00} per day for parking which was not disclosed during the booking process. This added cost of {$160.00} for the stay duration was not feasible for me. I immediately contacted XXXX to address this issue. An XXXX agent assured me that I could stay XXXX night and they would request a refund for the remaining XXXX nights. Based on this assurance I checked in and stayed only XXXX night checking out the next morning. 

I confirmed with the front desk staff upon checkout that there would be no additional charges for early checkout. However despite numerous follow-ups with XXXX I have been informed that the hotel manager refuses to approve the refund. I have also directly contacted the hotel manager who directed me back to XXXX creating a frustrating cycle with no resolution. 

XXXX policy clearly states : Cancellations and changes : We do not charge a cancel or change fee. When the property charges such fees in accordance with its own policies the cost will be passed on to you. 

XXXXXXXX XXXX by XXXX XXXX : There is no charge for cancellations made before XXXX XXXX  property local time on XX/XX/year>. Cancellations or changes made after XXXX XXXX  property local time on XX/XX/year> or no-shows are subject to a property fee equal to the first nights rate plus taxes and fees. 

I adhered to the policy by not canceling but rather checking out early which was not mentioned as incurring any additional fees. Given that I stayed only XXXX night I should be refunded for the remaining XXXX nights {$220.00}. 

I have explained this situation to a Chase representative but my dispute was deemed invalid due to the merchants policy. I believe this decision is unfair as I followed the stated policies and acted based on the guidance provided by the XXXX agent. I kindly request Chase Bank to reconsider my dispute and assist me in securing the refund that I am entitled to. If you need additional information/documents please let me know. 

Thank you for your understanding and assistance in this matter.
Product: Credit reporting or other personal consumer reports

Dispute XXXX [ The following examples are meant to be helpful, include all disputes that apply ] Item in dispute : Western Alliance Bank mortgage, account number : XXXX Source of dispute information : Western Alliance Bank Type of disputed information : Mortgage payments Dates associated with item being disputed : circa XX/XX/year> Explanation of item being disputed : The mortgage bank increased my payment due to an escrow increase. I didnt receive notification of the increase so for two months my automated payment was short for a total of XXXX dollars, which I paid immediately upon discovery of the shortage. After numerous phone calls with Western Alliance Bank, the said that that the phone number that had for me was wrong. It was a phone number that Ive never heard of and not close to any existing number Ive ever had ( I have the phone recording ). On the phone call, which I have recorded, they stated that they were wrong and it shouldnt have been reported for an escrow shortage. I have made my payments via billpay XXXX XXXX  XXXX XXXX ) every month without exception. My Western Alliance Payment history bank printout is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a collection back in XX/XX/XXXX from XXXX in the amount of {$460.00}. In XX/XX/XXXX it was removed until XX/XX/XXXX. However, it was re inserted back on my credit report. On XX/XX/XXXX I sent Experian, XXXX, and XXXX 5 day reinsertion letters. Which were true. I was never notified of the reinsertion by anyone. Experian, sent a letter back to me stating that the collection is verified and found to be true. How is it true, the law in my letter specifically stated that I am entitled to know what steps they took to verify an account that is clearly not mine. My name is misspelled on this so called itemized bill they sent me. Like really, this is not me, I know my name and how to spell it. Only thing the collection agency gave was a bill with a misspelled name. XXXX and XXXX removed it back off immediately, after the five day reinsertion letter. However, Experian states it 's verified, and I know it 's not. I want to know how it 's verified. I want this account removed asap, and my credit score restored. This is really unfair, they made my score drop as well as make miss out on getting a house. My score was n't XXXX, but it was enough to get me pre approved. If it was truly mine, I would honestly pay my debt, but this here is n't mine.
Product: Mortgage

Yesterday XX/XX/2022, I received a letter from Freedom Mortgage, in response to an ongoing dispute, in which they claim that the current status of mortgage is delinquent ( see attached ). THIS IS FALSE. This account has been in forbearance for sometime and remains as such, despite my various requests to be taken off of forbearance. On XX/XX/2022, I submitted an CFPB complaint ( # XXXX ) regarding this matter ( see attached ). Freedom Mortgage responded that there had been confusion with my file and that they would send me the necessary documents to get off of forbearance by XXXX. On XX/XX/2022, I received a call from a Freedom Mortgage representative named XXXX ( # XXXX ) and then again in XXXX received another call in which I was told there was a delay in sending me the documents because of an internal issue but that I would receive documents within a month. To date, I have not received the paperwork necessary to get off of forbearance and resume payments, which as I've stated before I'm willing to do.
Product: Credit reporting or other personal consumer reports

On XXXX Vance & Huffman LLC put a collection on my XXXXXXXX XXXX XXXX  for {$5900.00} with a date opened of XX/XX/XXXX. This is incorrect, as the debt they are representing was acquired over XXXX  years ago and was XXXX on XX/XX/XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXX  under my maiden name of XXXX XXXX XXXX The debt was acquired under my maiden name of XXXX XXXX. My name changed on XX/XX/XXXX to XXXX XXXX upon my marriage, proving that this debt was obtained over XXXX years ago. 

I filed a dispute with XXXX and they concluded that the information from Vance & Huffman was correct, when it is not and they illegally placed this on my credit. I also spoke with XXXX at Vance & Huffman at ( XXXX ) XXXX on XX/XX/XXXX to let them know that the debit is too old to collect and was included in a XXXX XXXX. 

This is my last effort before contacting my XXXX  attorney to file a complaint agains XXXX and Vance and Huffman to compel the removal and for damages, so any support to get this removed is appreciated. 

Vance & Huffman XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

This is the fifth time my family has complained about this fraudulent, predatory lending practices loan y Wells Fargo. This is loan # XXXX, XXXX. The new information we have is the company sent us a response letter and they are calling this loan a Conventional type loan. This is a ( DIY ) or Daily Simple Interest loan that we still owe XXXX on since XX/XX/XXXX. Well Fargo took over servicing this loan from a company that was found guilty in the sate of Ohio for these type of loans. During the transfer of the loan Wells Fargo bought all the fraudulent loans for XXXX but did NOTHING to make things right with our loan, e.g. change the terms to meet proper federal lending guide lines. We requested and received our account history back to XX/XX/XXXX and found Wells Fargo guilty of not reporting our on time payments that were being held as unapplied. Furthermore, none of the money was applied to our loan in the amount of XXXX. Lastly, on their recorded line I got them to omit they falsely had our account as late and charged XXXX per month. This has been fixed we think. We have dealt with and pleaded with over approximately XXXX to XXXX different representatives. Right now its XXXX XXXX or XXXX XXXX or XXXX XXXX. Finally, we have requested all HUD-1 's and appraisals since early XX/XX/XXXX and still have not received them. We get 2 letters per month saying that we need more time to research and find the information. Please do something with this Fraudulent company who just had their CEO step down. XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to get access to my credit score, but everytime I do, only XXXX, and XXXX are able to give me my score. I've tried to call Equifax and they always tell me that they couldn't access my account and to send a copy of my social and a copy of my ID. I've sent it more then 10 times in the last 3 weeks. I need to buy a house soon and this is the only thing holding me back. Im getting to the point where I want to sue them for negligence.
Product: Money transfer, virtual currency, or money service

Hi, I contacted PayPal earlier today ( XXXX XXXX ) & talked to PayPal assistant about my PayPal account closure I recieved email around XXXX & was surprised about this as i use this PayPal account to sell handmade stone ornaments on XXXX & recently added XXXX payments to my PayPal account ( in the last 2-3 weeks ) in which i use XXXX to sell trainers & sell i have According to advisor, she has noted this & stated appeal has been made about the closure of account & PayPal should be in touch in at least 48-72 hours. I'm not sure what problem i had to recieve account closure email- i have few orders which needs to be dispatched & have done for a while- no problems whatsoever- all my items are recieved by the buyer I had failed bank payment on the XXXX XXXX which i recieved a email from PayPal during the weekend & noted as i cancelled the order ( from XXXX via PayPal which the bank took ). I contacted XXXX to cancel the XXXX  fee which they did so they refunded me the XXXX  fee & I refunded the buyer their money back- the XXXX  fee was taken from my PayPal account & charged to my bank however i cancelled it hence why it's stated as 'failed payment ' but was a refund via PayPal to my buyer ( i think that's the problem but entirely sure as i wasn't given reason why ' Hopefully the appeal is successful, i just wanted to provide abit more detail on the issue so its clears up some things for you- really did the funds so i can pay my utility bills & have food so would be devasting if i have to wait 180 days till its cleared Kind Regards, XXXX
Product: Checking or savings account

I called them, they hung up on me because they didnt know my mothers maiden name. I went to branch, they added my mothers maiden name. I called back, they transferred me to tech support even though it was a fraud hold that they would not disclose that what it was which is dishonest and frustrating. The line started breaking up - I asked them to call me back but they wouldnt because they cant make outbound calls I called back for a third time and asked to speak with a supervisor. I was not given the option to speak to a supervisor. They submitted a ticket to an internal e-fraud team and I have not received any update or information about the ticket or the progress of the ticket. Still cant access my money because any attempt to do so, I receive an error.
Product: Credit reporting

Equifax has reinserted an incorrect item for the third time. Case XXXX, Was removed XX/XX/XXXX, reinserted XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : CLOSED ACCOUNTS BELOW XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COLLECTION ACCOUNTS BELOW ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX THESE ARE NOT MY ACCOUNTS AND I HAVE NO KNOWLEDGE OF AND THEY HAVE VIOLATED my RIGHTS. 
I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

A

nd according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION CONSUMER SOLUTION XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Date ; XX/XX/XXXX Dear Agency. 
This letter is a formal complaint that you are in direct violation of my privacy rights. 

I am distressed that you have included the Information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to respect my rights to privacy. 

Per 15 U.S Code 5 1681 ( a ) ( 4 ) ; There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness and respect for the *Consumer 's right to privacy '', I am beyond embarrassed and humiliated this should not be reported to my credit report therefore the following information needs to be removed or else I will be forced to move forward with litigation. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non- compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 


Bankruptcy CASE # XXXX Under federal law, you have thirty ( 30 ) days to respond to this request an updated report showing that this Bankruptcy has been removed From my record and provide me with proper prof that it have bin remove. 


Thank you for your time, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX SS # XXXX
Product: Mortgage

I have a loan with CARRINGTON MORTGAGE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and XXXX  and CARRINGTON MORTGAGE with no successful resolution. XXXX, XXXX   and XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late 2019.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelles handling of disputes, particularly in light of of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Subject : Final Request for Removal of Inaccurate Collection Account XXXX XXXX XXXX # XXXX To Whom It May Concern, I am writing to follow up on my previous disputes regarding the collection account listed on my credit report under the account # XXXX. 
Despite my initial dispute and follow-up request for verification, this inaccurate collection account remains on my credit report. 

I have provided evidence that the collection agency did not validate the debt, as required under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ). According to the Fair Credit Reporting Act ( FCRA ) 611 ( a ), only accurate and verifiable information should b reported on my credit file.

Since the collection agency failed to provide validation and my previous requests for verification has been ignored, this account should not appear on my credit report. This is my final request for the removal of this account. If you do not remove it, I will be forced to escalate this issue by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action for non-compliance with the FCRA.

Please remove this collection account from my credit report immediately and provide written confirmation of this action. Under FCRA 611 ( a ) ( 5 ) ( A ), if the information can not be verified, it must be deleted from my credit file.

Thank you for your immediate attention to this matter. I expect a response within the 30-day period allowed by law. 

Sincerely, XXXX XXXX