23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Info on parties involved : XXXX XXXX Mortgage servicer until XX/XX/XXXX XXXX XXXX XXXX New mortgage servicer ) as of or around XX/XX/XXXX Universal Property and Casualty ( Insurance provider ). 

XXXX XXXX ( New Insurance provider ). 

Informed in XXXX XX/XX/XXXX my mortgage going up $ XXXX after XXXX XXXX XXXX XXXX in XX/XX/XXXX. Informed Escrow balance was short. 
Called XXXX XXXX XX/XX/XXXX to ask why it was short. Insurance and property taxes were similar to prior year.After escalating call to Manager she said she would send me XXXX Yrs of mortgage records going back to XXXX. 
I received records on XX/XX/XXXX and looked at records. I found in XXXX that XXXX paid XXXX insurance twice, once on XX/XX/XXXX in the amount of {$3600.00} to XXXX XXXX and on XX/XX/XXXX in the amount of {$2500.00} to XXXX XXXX. 
I called Mr. Cooper customer service shortly after finding error. The call became a XXXX Way with myself XXXX and XXXX XXXX XXXX XXXX said they would do nothing since they said i never called to cancel. I said i did. I then asked rep for Mr. Cooper how this happened. No explanation and no responsibility taken. I asked Mr. Cooper rep " Isn't there a red flag that goes up if something like this happens? '' No response. Call ends after I realize nothing is going to be resolved at this juncture. 
The policies are both active between XX/XX/XXXX until XX/XX/XXXX. Escrow analysis done in XX/XX/XXXX by Mr Cooper causes increase to mortgage of around $ XXXX {$30.00} per month. To me nothing to look at in detail since taxes and insurance went up slightly. 
When XX/XX/XXXX XXXX analysis was done seeing that i paid approximately {$3500.00} more out of escrow account should have resulted in a much higher mortgage increase for XXXX. If this had happened i could have at least recovered some of the money. 
Mr Cooper should have seen in there records when doing analysis in XX/XX/XXXX of the payment error. but there should be protocols in place when double payment was made in XXXX of XXXX. Should have triggered some action. We are in the computer age and cant understand how 2 payments can be made in 10 days and noone noticed. 
Also talked to broker who handled Universal policy to try to have policy refunded.Universal said No, that Declaration pages of other coverage was not adequate and would need some electronic signature dated for that time to refund money.
Product: Prepaid card

This dispute relates to two XXXX XXXX accounts held by me and two accounts held by my wife. 

On XX/XX/2024 I was unable to load funds to these cards and an email was sent to me and my wife that the cards were temporarily locked. We were also unable to log into those accounts. I called XXXX  on XX/XX/2024 and was told these accounts were permanently closed due to a returned charge ( I believe from a XXXX load of funds ). XXXX  customer service refused to provide any details -- such as the nature of the returned charge or the balances in the accounts. I was informed that the only way I could contact them to receive any information was by mail. 

I sent a letter on XX/XX/2024 requesting final statements on these accounts as well as funds from each account, which should be {$1000.00} per account. As of this date, XX/XX/2024, I have received no communications. 

Accordingly, I again called the XXXX  customer care number and was told to resubmit a request for this information by mail. I was refused, on multiple occasions, any direct telephone number to contact the company directly about the funds being held. 

I note as well that XXXX XXXX refusal to provide me with access to my account records has prevented me from seeking a chargeback or other resolution ( such as complaint with the XXXX XXXX XXXX XXXX ) from XXXX  who created the falsely disputed charges in the first place.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX reported a 30 day rating under XX/XX/XXXX on my credit report under XXXX XXXX Equifax. 

This account is also still showing as closed under Equifax when it's still open. See attachments. Reached out about this numerous times, but this hasn't been corrected. This resulting in " OK '' ratings not being reported under XXXX & XX/XX/XXXX. 

This company had a system issue in regards to processing automatic payments, resulting in my credit card balance becoming past due. They previously notated that I set up automatic payments in XX/XX/XXXX, which is accurate. I set them up again after realizing my credit score dropped over XXXX points and the automatic payments set up prior were not going through. I definitely set up automatic payments prior to being hit with this delinquency, but XXXX did not register it. Unfortunately, this is the only delinquency reported on my credit report and it has been detrimental to my family 's future endeavors. We are closing on a home soon, and this late payment reported by XXXX is costing us tremendously. I never experienced something like this and it couldn't have happened at the worst time in our lives. I rarely utilize the card and I'm regretting ever using it. I'm asking XXXX to please consider removing this late payment from my XXXX XXXX Equifax credit reports. We are already facing high interest rates and high costs of homes. It's unbelievable that a 30 day late payment for a small balance, that I set up an automatic payment for, is affecting us like this. I hold 2 accounts with this company and have always been up on my payments. Regardless of the automatic payment not working out, if they reached out to me about the payment not going through, I would have paid it immediately. Again, I'm asking XXXX to please " delete '' the 30 day rating reported under XX/XX/XXXX for XXXX and Equifax. And correct the account status from closed to open under Equifax. Thank you
Product: Debt collection

I received a letter from American Coradius International , LLC, dated XX/XX/2020. I received the letter on XX/XX/2020. The letter is for an alleged debt with XXXX XXXX XXXX in the amount of {$290.00}. I do not owe this debt as I have never had an account with XXXX XXXX XXXX XXXX I called XXXX XXXX XXXX, and confirmed with them that there is no account in my name, attached to my phone number, or the account number provided by the collection agency. 

On XX/XX/2020, I sent a certified letter, return receipt requested, to the collection agency. There are 2 addresses listed on the letter and I sent a copy to both addresses. 

When researching this, I found that the XXXX  has at least 174 complaints about this collection agency. 

I have also reported this to the U. S. Postal Service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 2. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 3. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX  Delete this account. 
4. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 5. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX  Delete this account. 6. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX  Delete this account. 7. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX Delete this account. 8. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 9. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Delete this account. 10. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX  Please correct/update this inaccurate information on my credit report. 11. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX Delete this account. 12. there is some inaccurate information reporting. DEPTEDXXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 13. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 14. there is some inaccurate information reportingXXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 15. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX  The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX 20. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX  21. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Debt collection

I received a bill from XXXX for payment I called XXXX and made a payment plan with them. The collection people were also calling me about the payment. When I made a payment plan with XXXX there told me that the collection people will stop calling me. I paid the amount in full and now this month the collection ( First Collection Svcs ) put the collection on my credit report which has an negative impact on my credit score.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Product: Checking or savings account

Notice of Demand Close my Account.. Immediately, since the XXXX Navy Federal think this account was opened wrong. 
What type of dummy will deposit money into an account they have no access to do full Banking transactions according to the Banking Act? 

Navy Federal credit union has 3 days to officially close my account. 
STOP USING MY SOCIAL SECURITY NUMBER FOR YOUR GAIN ON THE MARKET. 

I KNOW ANY MONEY I DEPOSIT IN THIS ACCOUNT I AM TO RECIEVE DOLLAR FOR DOLLAR. 

I ALSO KNOW THE BANKS USE DOUBLE BOOKKEEPING... SO WHEN I DEPOSIT MY MONEY YOU MAKE A DEBIT AND A CREDIT AND KEEP 10 PERCENT OF MY DEPOSIT AND LOAN IT TO OTHER CUSTOMERS AT A HIGHER INTEREST RATE. 

I KNOW WHEN ANYONE COMES AND ASK FOR A LOAN BY LAW, YOU THE BANK CAN'T LOAN OUT ANY OF YOUR ASSETS, TO US ... ..UMM WHERE DO THEY COME FROM THEN?? 
US, THE ORIGINAL CREDITOR ... When we sign that promissory note for the loan, yall go on the backside, fill out XXXX XXXX, HAVE THOSE CREDITS Transfered to the bank ( underwriter ) then the bank tells us what the Federal Reserve Bank is willing to loan, you put yourselves as power of attorney and trick people into thinking they are really getting a loan from the bank when in all actuality its their money the bank is loaning them and then will charge interest on our money. 
Please stop playing me. 
All documents / correspondence will be recorded. 
A copy of this email will be sent to the FTC/ SEC/ IRS CID/ Attorney General/cfpb and any other regulatory agency I see fit to contact.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees in have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credit. This issue aligns with the recent CFBP findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Mortgage

I have tried unsuccessfully several times to get my mortgage loan company to remove the monthly insurance premium ( MIP ). My FHA loan was initiated before 2013 and been in effect over 5 years. I have a loan balance that is less than 78 % of the original and only appraisal value. 

The company, Mr Cooper ( nationstar ) has an incorrect appraisal value in their file and refuses to accept the only appraisal ever done. 

I want the MIP billing to stop and a refund made for the months where the MIP should have stopped. 
Original home appraisal = {$150000.00} current balance = {$110000.00} loan to appraisal = 77 %
Product: Credit card or prepaid card

Amex platinum advertises card holders have access to priority pass, but certain places don't accept Amex priority pass customers. For example XXXX XXXX 's are XXXX will only accept priority pass thru Master card and visa, not Amex. It's not clear on Amex or priority pass thats the case.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XX/XX/XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX
Product: Checking or savings account

FACTUAL ALLEGATIONS On XXXX claimant opened a banking account with respondent, upon account opening claimant has attempted to secure his rights, title, and interests for the asset account. Respondents were notified by certified mail and email of Claimant intentions and to no avail respondents have refused to address the claims. Claimant has exhausted his administrative remedies and there is no adequate remedy at law, files these equitable claims, while seeking equitable remedies. 

This claim demonstrates how specific provisions and omissions in Chases Deposit Account Agreement violate statutory, fiduciary, and contractual obligations, as well as consumer property rights. It incorporates breaches of contract laws, Securities fraud, Uniform Commercial Code ( UCC ) provisions, federal statutes, Federal Reserve Act ( FRA ) Section 16, Regulations B, E and Z, 12 CFR 1002.2, and 42 U.S.C. 1981. The inclusion of UCC Articles 2, 3, 4A, 8, and 9, along with an analysis of consumer property rights under FASB standards, strengthens the claims. Supporting Georgia appellate and federal appellate case law is provided for additional legal authority.

This action arises from Respondent Chases systematic and ongoing violations of federal and state laws associated with its Deposit Account Agreement and related banking practices. 

Chase has misrepresented deposits as standard accounts, failing to disclose that deposits function as loans to the bank and qualify as securities under applicable banking laws, rules, and regulations.
Product: Credit card or prepaid card

Dear Sir or Madam, I have been trying to obtain reimbursement for my child care expenses from Optum Financial for the past two and half months. My attempts at appealing their decision to approve my claims, yet withhold payment, has been unsuccessful. 

My story begins on XX/XX/22 when I submitted all my child care expenses to XXXX ( Optum Financial ). I went to my child care provider 's website to generate the necessary documentation of expenses. Right at School, the provider of before and after school care for our elementary, has been the company used by the school since my kids were in kindergarten. So, I have submitted expenses and documentations for my child care spending account since kindergarten. The process is an annual routine with the only disruption being remote learning cause by the pandemic. However, this time reimbursement was delayed. I contacted the Optum via their chat and was told the documentation submitted did not have a description of service provided. The representative recommended that I fill out a claim form to address the deficiency. I did look at the suggested form and was perplexed by the form as it would necessitate the resubmission of all my claims. Then, I spoke to an Optum representative in hope of resolve the issue without having to submit the claim form. Now, I was told that I could provide a website with descriptions of services provided by Right at School. This was a much more reasonable solution to the deficiency. I submitted the website documentation on XX/XX/22. All my claims were subsequently changed to approved, processing reimbursement. Unfortunately, I have not been reimbursed for my legitimate child care expenses. Now, Optum is saying I submitted the documentation after the XX/XX/22 deadline. 

I have written XXXX to appeal their withholding of money I have designated for my legitimate child care expenses. The company has yet to respond to my appeal. I have been engaged and will continue my efforts to resolve this matter. My hope is that the CFPB can help me and other by being an advocate against corporate excesses. I will attach the list of child care expenses claims and my appeal letter to XXXX. 

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

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXXXXXX XXXX Balance : {$44000.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to see inaccurate accounts on my credit report, and I have no idea how they got there. I routinely check my report, but this time, I found discrepancies that came out of nowhere. I even tried refreshing my browser, thinking it might just be a glitch, but nothing changed. The inaccurate accounts stayed there, and now Im left feeling helpless. Please carefully review the documents Ive sent so I can finally stop worrying about this issue.
Product: Credit card or prepaid card

I hope all is well, I just want to say thank you very much for allowing me to have a credit card with Capital One. I do apologize I was late XX/XX/2020 due to the pandemic I was having a hard time that month. Can you please remove the late on all three credit bureaus I really do apologize it wont happen again. Thank you for your time. Have a wonderful day and please be safe.
Product: Money transfer, virtual currency, or money service

A unauthorized transaction was made on my account with XXXX XXXX and the recipient never received the funds. The company refused to return my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following Account is reporting inaccurate information. This is not mine, I have no idea why this is in my credit profile. I have previously requested that you investigate this information and you have failed to do so. Now its not time to update, I demanded that you IMMEDIATE DELETE this account from my credit report. 

I attached proof that my car insurance provider has not been XXXX ; therefore, this is not mine DELETE THIS FROM MY CREDIT REPORT ACCOUNT : XXXX XXXX XXXX  ACCT # XXXX In accordance with the Fair Credit Reporting Act, They have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the 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