23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

For three years we have made numerous requests for monthly mortgage statements in order to keep track of our account. It seems only right to have this information so we can verify that Nationstar, our loan Servicer is treating us fairly and equitably but they have never complied. A few days ago our fear of being a victim of a mortgage servicing fiasco has materialized when we received an Annual Escrow Account Disclosure Statement showing a escrow reserve shortage of {$5100.00} from our loan servicer. Immediately after receiving the aforementioned disclosure, my wife placed a call to Nationstar and spoke to XXXX, a customer service agent and asked why Nationstar is claiming we have a escrow account shortage. XXXX was unable to answer the question so my wife then asked her for a record of our complete payment history since Nationstar took over the servicing of our account three years ago. XXXX was kind enough to e-mail us a computer printout of our payment history which is attached to this complaint. 
Inexplicably, the printout does not include a running balance for our escrow impounds however, it does show the running declining principal balance which is significantly skewed in Nationstar 's favor due to their not having applied a substantial portion of the payments they received from us to the principal balance and or escrow impound despite the payments amounts being confirmed the in the attached Nationstar Loan History Transaction Report. 
Upon review, this printout clearly and unambiguously reveals that Nationstar has systematically received our payments but has not credited our account in the monthly amount of {$240.00} which we have made in addition to our regular monthly payment for the last three years. Instead they have labeled these payments as " PMT-MISC '' and given no indication whatsoever as to the disposition of where the funds went. 
Additionally, Nationstar has not credited to our account the full amount of our regular monthly mortgage payments we have made in the amount of XXXX each and every month since XX/XX/2014. Instead, Nationstar is crediting us only {$2700.00} calling it a " MISC ADJUSTMENT '' which is a shortage of {$110.00} that was not credited to my account every single month since XX/XX/2014. Effectively, between the two regular monthly payments we make to Nationstar they have shorted us {$360.00} every single month for the last three years totaling {$13000.00} that has not been applied to my mortgage account.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXXXXXX 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 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: Checking or savings account

XX/XX/2022 my husband attempted to place our accounts in the trust. USAA doesnt place accounts in the trust, only will make it a POD/beneficiary. We filled out a XXXX page memorandum of Trust and sent pages of our trust/cert of trust as required only to later mail us back the same documentation.for a POD!! A beneficiary isnt even relevant until both my husband and I pass, so why do they need all that information up front? Other institutions I bank with do not ask for anything on the front end. It would be up to my trustees to provide them the trust documentation once relevant. 

Fast forward to XX/XX/2022 and our trust still isnt a POD. Called to inquire again and spent an hour, in addition to all the time my husband previously spent, and was told we had to send more documentation. I told the superior similar to a supervisor that we were just going to close our account and take our money to a bank that is familiar with trusts. Her response was that if we chose to close our account, a check would be made payable to our trust..!? So, USAA will close my account and make a check payable to my trust, but will not make my trust a beneficiary without jumping through hoops? Does not make sense at all. 
USAA should not be dealing with trusts, period.
Product: Mortgage

Hello. 

I purchased my home about 2 and a half years ago and financed it with XXXX XXXX XXXX ( XXXX ). Recently I received a letter telling me the loan was sold to TIAA bank. 

TIAA Bank recently sent me a letter telling me my monthly payment is about to go up over {$150.00} a month. It has very little to do with increase in insurance and taxes premium, but it has to do mostly with a policy the have which apparently requires an additional 2 months cushion of the mortgage payment. 
I have discussed this with them several times and I just keep getting a " that's our policy '' from them. However I have expressed to them several times that I understand TIAA bank purchased the loan since I know this happens in the mortgage world, however they need to honor the terms and conditions of the original loan and those terms and conditions were not there. 
I did not sign the agreement with TIAA bank, but with XXXX. I don't think they can legally add additional terms and conditions to an existing loan. If they purchased the loan, they should have purchased the loan as it was. 

I have also requested a deep escrow analysis since there seems to be funds missing from the escrow account. Please help me resolve this issue. 

I'm a government employee currently in furlough and this affects me now even more. Thank you for your time. 

Regards, XXXX XXXX
Product: Mortgage

On XX/XX/2022 at XXXX XXXX XXXX XXXX, I was called by XXXX at Rocket Mortgage. After hearing XXXX initial pitch I asked him to out me on the do not call list. Instead of agreeing, he attempted to rebut my objection. This happened three more times until I asked XXXX for his license number and to speak to his manager, at which point he hung up on me. I called Rocket Mortgage twice to complain about XXXX behavior. The first time, they said they were transferring me to XXXX  supervisor and then they hung up on me. The second time, they gave me an excuse as to why I couldnt speak with a manager and I told them I would file a complaint. So here I am.
Product: Checking or savings account

My account would be charged an overdraft fee and the money would be in the account. I just stopped my payroll from being directly deposited. So unhappy with the way I was treated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit cards was open in my name by someone else. Credit cards I applied fir was received by someone else and active uses. My bank/atm card was used by someone else in 2006 to purchase a building/house in New York. Name used as purchase for building/house in new your was XXXX XXXX. Person listed me as self employed on purchase of building/house in New York XXXX Person that is connected to house and all credit cards and miss information and phone numbers dont belong to me and addresses is my wife boyfriend. Credit cards was recently reported to credit companies so as well of the purchase of the building/house for XXXX dollar in New York XXXX The person name that came up as using my card for purchase of XXXX in New York for XXXX dollar name is XXXX XXXX XXXX XXXX This person have taken over all life active of me and social media and even created fake emails as me and logs in as me on social media, XXXX XXXX to give friends and coworkers of mine false info of me. He also used XXXX and other media to request coworkers and friends to conversation with him. There is many other domains created by him and my wife to hide them self from me knowing there fraud.
Product: Mortgage

XX/XX/XXXX -called and emailed and sent in a letter notifying them that the property tax payment date was the delinquent date and that it needed to be paid prior to going delinquent. 
XX/XX/XXXX Called they said it was paid and would go directly to the county treasurer XX/XX/XXXXTalked to Them they said it is sent to XX/XX/XXXXa third party company and yes it should of been sent sooner he assured me that they would pay any late fees. 
-I also mailed a letter requesting they start paying it in a more timely manner. And that they fix all errors and fees XX/XX/XXXX Told them XXXX county already added late fees/delinquency*Which may be reversed depending on time stamp but it shouldnt of even come to this if the had paid it in a timely manner to allow for processing time with their 3rd party. They need to get in contact with XXXX county via website or phone and see if the late fees will still be in effect after payment is received. 
. I asked them how they go about paying the fees and if it would be done in a timely manner they had no answer just have the run around. 

when you call no one has answers and is rude and wont listen to why you are calling if you try explaining they raise their voice and ask you to listen to them or just repeats the same thing but refuses to resolve issues. 

Attached documents dont include the two letters that I sent which I also have copies of.
Product: Credit card or prepaid card

XX/XX/XXXX Consumer Financial Protection Bureau Staff, As a timely bill payer, I am destined to get to the bottom of my disagreement with American Express. I find it odd that American Express is the only company who gets late payments from me. I have been with the company since XXXX. I have had more late bills from them than all three of my other credit cards put together in the same time frame. I take my credit rating seriously, and will never intentionally cause a bad rating due to a lack of responsibility. 

It is my belief that customers who pay bills via US mail with American Express may be caught up in a web of late fees. When paying by mail, it is my word again AEs word. So what I did was pay by certified mail all bills to them after XXXX, XXXX. Not one payment was late. The bill arrived in four to five days, which is what was typical behavior. It just seemed suspicious that I get caught up with late fees at least once a year. The bill in question was sent off nine days in advance due to the XX/XX/XXXX holiday in XXXX. Supposedly the bill arrived in twelve days. Please view my attachments. You will see where the bill did not arrive by XXXX p.m. on XX/XX/XXXX, but did arrive before midnight on XX/XX/XXXX, but posted in an email on XX/XX/XXXX at XXXX a.m. I am in awe of the postal service delivering mail between XXXX and XXXX midnight on XX/XX/XXXX. 

CFPB, please consider the number of customers paying bills by US Postal Service versus the ones paying online. Is there a bias towards those customers paying by U.S. mail? Also, does my zip code have anything to do with my issue? 

I am attaching and numbering all the documentation. Some have anecdotal notes, and others do not. It has been a year now. I have tried to resolve this issue with AE several times. Everytime I attempted to drop it, my spirit would not allow me to do so. Self-avocation is very important. 

Thank you, XXXX XXXX.
Product: Debt collection

After reviewing my credit report XX/XX/2016 I noticed an unfamiliar collection account in the amount of XXXX. 
I called the listed CO to inquire. It was a co pay from a hospital visit that I was told would be taken care of ( I work at this hospital and was at work at the time of being seen ) Reluctantly I paid it and asked them why I did n't receive notice of this account .... They insisted they sent bills and notice but when i spoke to the hospital they had an old address .... 

XX/XX/2016 CO account updates to paid and score goes up a few points. 
XX/XX/2016 I re check my credit report and for unknown reason centeral finance reported again this month as XXXX balance thus re-aging the account. 

Several FCRA violation!! 
I have uploaded a picture showing the new reporting date
Product: Credit reporting or other personal consumer reports

I am writing to demand immediate corrective action regarding a glaring inaccuracy in the reporting and calculation of my credit score. Despite my credit utilization rate decreasing substantially from XXXX XXXX XXXX XXXX XXXX, my credit score has not increased and remains stagnant at XXXX. This is unacceptable, unjustifiable, and a clear violation of XXXX and Equifax 's obligations under federal law. 
My recent credit reports unequivocally confirm a reduction in my credit usage from XXXX XXXX XXXX XXXX XXXX, yet my credit score reflects no improvement. This failure to update my score accurately demonstrates gross negligence on the XXXX and Equifax parts. My payment history remains excellent. 
Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), credit reporting agencies are required to maintain accurate, complete, and up-to-date credit information. The stagnation of my score despite my improved credit usage constitutes a failure to reflect accurate data and may result in undue harm to my financial standing and reputation. 
Section 611 of the FCRA also gives consumers the right to dispute inaccuracies in their credit reports. I am hereby exercising my right under this statute to demand an investigation into this matter. 
The stagnant score has adversely affected my ability to obtain credit on favorable terms, despite demonstrating financial responsibility. This harm is compounded by the apparent lack of transparency in how credit scores are calculated and updated.
Product: Debt collection

Upon checking my credit score, I found a negative remark from a debt collection agency called AR Resources. The original creditor was listed as XXXX XXXX XXXX XXXX. I never received any bill or notification from AR Resources or XXXX XXXX XXXX, so I the negative remark on my credit report is obviously erroneous. 

I managed to contact XXXX XXXX XXXX ' billing agency, XXXX. As it turns out, XXXX used the wrong address when attempting to send me the bill. This incorrect address was passed on to AR Resources. Thus, I received no bill nor notification of any debt owed. 

XXXX admitted their fault, and requested via email that AR Resources remove any negative remarks from my credit report, as I never had the chance to pay any bill or debt. 

However, according to XXXX, AR Resources is refusing to correct my credit report until their account is settled. This is unreasonable as, again, I never received any bill because of XXXX XXXX admitted mistake. 

I have done nothing wrong, and yet my credit score is being negatively affected. I am currently applying for jobs, apartments, credit cards, new insurance, etc. So, my incorrect credit score is having real effects on my life. I don't understand why AR Resources won't correct my credit score, when the guilty party ( not me ) has admitted their fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, XXXX forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( XXXX ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, XXXX, and XXXX XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their XXXX-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required XXXX-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company. 

The account was also deleted from my XXXX report as well so in order to correct the inconsistencies between the XXXX, XXXX, and XXXX credit reports, the account needs to be deleted from the XXXX credit report. 

The information for this account listed on my credit report is : BANK OF AMERICA, BALANCE {$830.00}, OPENED XX/XX/2019, ACCOUNT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was added as an authorized user on this JCPenney credit card on XX/XX/2022. I was told it would take 1-2 statement periods for the account to reflect on my credit report. I have spent hours on the phone with JCPenneys as well as XXXX. This account is not showing on any of my 3 credit reports. I was told that this has happened in the past and they dont have a resolution other than to close my account and re open a new one after several months. This is inaccurate reporting and is against the law. My information needs to be accurately reported or I will seek legal advice against JCPenney ( synchrony Bank ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX  Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NOT RECEIVED ANY HELP AFTER MULTIPLE REQUESTS FOR ASSISTANCE REMOVING THE FRAUDULENT ACCOUNTS FROM MY FILE.
Product: Credit card

My records on my credit report indicate that this account was charged off and written off for {$4200.00} by Navy Federal Credit Union yet I have not received a 1099-C form for the tax year in which the write-off occurred. My credit report has been inaccurate and affecting my future for some time now.

It's showing up on my credit twice and I have proof by a certified letter that they received my letter requesting my 1099-C and to remove this account on my credit. They signed that they received my letter and never responded or took action to correct my information on my credit reports. They signed XX/XX/year> I need both of the navy federal accounts removed from my credit reports.
Product: Credit card or prepaid card

In XXXX, I flew with XXXX and gave up my seat. They provided me {$2000.00} in credit cards ( 8 {$250.00} cards ) through MyPrepaidCenter.com. I have been trying to use the cards - sometimes with some success, but most of the time I have random rejections - address doesn't match ( when it does ) ; exceeded credit limit ( when I am below the amounts provided ) ; store doesn't accept ( limited retailers was not disclosed ) ; rejected when attempting to use their " preferred vendors list. '' The card expires on XX/XX/XXXX- I have been attempting to use the balance- but I can't get the final {$50.00} approved. That is a 2.5 % undisclosed effective fee. I have made XXXX aware of their partner 's behavior. When trying to get to a person, you can't. Instead, you get looped around the phone system and finally disconnected. I called their fraud line, where my first call was redirected to a survey/scam for a medic alert system. I called again and finally found a human. The calls were directed to XXXX XXXX XXXX ( XXXX ) XXXX. I suspect I am not alone, and this company is skimming quite a bit of money by preventing use and not returning the funds to a company like XXXX. It should be investigated.
Product: Debt collection

I have no recollection of what this debt is, I have been hassled and threatened by this collection agency, the caller never identified himself as a collector and never read me my Mini Maranda Rights but instead told me that my credit will be ruined if this debt is not paid.
Product: Vehicle loan or lease

At this time I am writing to you because your ongoing harassment regarding a payment you say you did not receive has got to stop. I turned my XXXX XXXX XXXX in in XXXX of XXXX. The last payment that I had to make was XX/XX/XXXX since I leased a new vehicle at the beginning of XX/XX/XXXX, it is this payment you have accused me of not paying. I have attempted to rectify this error with documentation from the Financial Institution by way of statements that showed the monies removed from my account. Your refusal to accept that is unacceptable. 
With that documentation you have refused to accept it and sent my account to a collection agency. Well today I have the last laugh on you, as you will have seen attached with this letter is a official letter from the financial institution acknowledging the funds were taken from my account and given to your company. 

How exactly is a payment that is due on the first of every month, say XX/XX/XXXX, and pay say XX/XX/XXXX delinquent? 
XX/XX/XXXX To whom it may concern Follow up letter from XXXX XXXX. After speaking with XXXX this morning, I realized how incompetent your staff really is. If anyone of them took a moment to look over the statements for my XXXX XXXX, and XXXXXXXX XXXX they would have seen that the statements clearly indicate that the monthly payments were due the FIRST OF THE MONTH, NOT the end of the month. Which means my XXXX payment which was due on XX/XX/XXXX, was paid XX/XX/XXXX and the last time I checked XX/XX/XXXX comes before XXXX XXXX. 
This means that my XXXX payment was made FOUR DAYS EARLY. Sadly, since your incompetence has caused me damage in the report of a delinquent payment you have forced my hand two follow through with several threats.

First after having purchased 1 XXXX XXXX, and leasing four additional XXXX Vehicles my family will no longer deal with your unscrupulous company. 
Secondly, the first letter I sent you, along with the bank document along with this document will be sent to the credit reporting agencies, along with the Attorney Generals office.

Your employees incompetence was not my problem till you fraudulently reported a NON-EXISTANT DELINQENT PAYMENT. You should have done your homework. If you had you would have seen your error since my payments were all due on the FIRST of EVERY MONTH, and your company CHOSE THAT DATE.