23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage was transferred to Fay Servicing in XXXX of this year. Fay servicing then sent me an escrow analysis in XXXX letting me know my payment amount would decrease to XXXX starting with the XXXX payment. I have made XXXX and XXXX payments to Fay servicing. The XXXX statement that I was given dated XX/XX/22 also states my payment for XXXX is XXXX. I log on regularly to check so I know that Less then 2 days before XX/XX/XXXX, Fay Servicing has increased the payment amount due for XXXX to XXXX. An increase of XXXX. They have given no explanation and no notice. They have not provided a payment breakdown or a revised escrow analysis. Based on the escrow analysis and the billing statement provided to me in XXXX I have budgeted accordingly and now I am not able to make the new payment. 

I am and have been aware of the mistake Fay Servicing made when completing the escrow analysis and the reasons why the payment is increasing. I have logged on almost every day to see when this error would be corrected and when they would notify me of any changes. I would like Fay servicing to explain the mistake that they made in the response to this complaint and why they changed the payment less then two days before it was due without any notice to me. I would also like a solution given I am not able to make the new payment since Fay servicing has failed in every possible way of doing the one job they are there to do.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 card or prepaid card

American Express unfairly targeting small business customer. We pay {$690.00} a year for platinum business credit card and yet they put a very strict credit limit on my credit card. I have 4 business credit cards with American Express and have been paying on time and they never increased my credit limit and instead they decreased my limit. I think they're intentionally targeting me even though I've been using the credit cards responsibly. I strictly use these cards for business purpose. Current credit limits is too low to continue using these cards as rewards rate is too low and annual fee is way too high compared to other business credit cards that I have. All they do is declining my transactions whenever I spend something for my business. It is very frustrating and annoying. None of my other business credit cards do this.
Product: Bank account or service

Bank of America. Not a good option for XXXX XXXX military. 

In XXXX XX/XX/XXXX XXXX on active duty. Just before XXXX I replaced my BankAmericard Cash Rewards Visa. I had automatic bill pay setup for the account, but it did not carry over to my new card. I was not warned against this when I changed my card. Due to the fact that I was XXXX I did not receive my statements in a timely fashion so I did not see that I had an outstanding bill of approximately {$95.00}. Unknowingly my account went into delinquency. 

I noticed this - not from BOFA - but when I checked my credit to find a delinquency. In XXXX I noticed my credit score dropped XXXX points because my BOFA account was past due. Note : BOFA took no steps to notify me, except mail a statement that did not reach me because I was XXXX. The last time I had spoken to BOFA I understood that I had recurring billing set up. I immediately paid the minimal balance and requested that BOFA remove the negative report since it was their fault due to recurring billing fault. I addressed the issue with Bank of America and they did nothing. When I returned from XXXX in XXXX XX/XX/XXXX I noticed I still had the negative report. Since the beginning of XXXX I have spent countless hours on the phone attempting to speak to someone to fix this. The failure of their automatic payment service is the reason why this payment was late. They did not email or call. This is terrible treatment for someone that has limited access to communication because of XXXX service. 

I strongly warn XXXX military to find other banking services.
Product: Credit reporting, credit repair services, or other personal consumer reports

The debt that XXXX XXXX  XXXX is claiming in not a valid debt and no debts are owed XXXX XXXX XXXX XXXX 

In 2017 XXXX XXXX  a closed several accounts that had been opened for months with over drafted balances due to fees XXXX XXXX  added to the accounts. Once the account were closed XXXX XXXX  sold those debts for those accounts to multiple people. In XX/XX/2017 the FDIC sent notifications to me that XXXX XXXX  had failed and all future payments owed to XXXX XXXX  would go threw them. Months later multiple companies contacted me regarding debts owed. One of those companies was XXXX XXXX on Behalf of XXXX XXXX XXXX XXXX The date of this conversation was XX/XX/2017. I spoke to XXXX XXXX  regarding this debt several times. During my final contact with XXXX XXXX via phone I asked them for the direct contact information of the company claiming ownership of this debt. XXXX XXXX refused to provide the debt owners information. This was a direct violation of my rights under the FCRA. In accordance with the FCRA the name and contact information for anyone claiming a debt is owed must be provided. XXXX XXXX did not provide this to me at all. Because these rights were violated by a third party acting on the XXXX XXXX XXXX XXXX XXXX Any debts they claim are owned are null and void. XXXX XXXX was given a opportunity to verify the owner, the debt amount and come to a settlement. They chose not to do so and never informed XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I filed a dispute on XXXX, XXXX & XXXX XXXX due to problem with the companies Experian and XXXX investigating XXXX my existing problem and denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ) ( XXXX ) They alleged the company of accepting unreliable information, failure to notify consumer dispute results. After disputing multiple times I got a remark that brought my XXXX down to the XXXX and the remark stated Account closed at credit grantor 's request and still haven't see improvement. i work extremely hard for it to be tampered with. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting { house, car, etc }. Experian violates
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing this letter of complaint to the credit bureau to let them know once more that I was a victim of identity theft. My desire to contest unlawful items that are appearing on my credit record appears to be completely unimportant to the credit bureau. I need the items removed from my file as soon as possible because this is a clear violation of FCRA laws. 

XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$710.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX.
Product: Debt collection

Reporting {$570.00} XXXX bill dated XX/XX/2021. 
XXXX verified there is not a past due bill. I even started new XXXX service XX/XX/2021 at my current address. 
If it was my bill they would have sent me a bill or collection notice. I never received either. 
My score dropped 38 points and I was denied a loan. 

I called Transworld Systems INC on XXXX XXXX and they continued to ask my ss #. They clearly were fishing because they new it wasn't mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just checked my XXXX credit report & it is showing the Mortgage account owned by Servicmac are 60 Days Payment late. This is not correct, and I am attaching my bank statement to show that the account was never " 60 days Late ''. This incorrect credit reporting is now hurting my score and went down XXXX points.
Product: Debt collection

Mountainland Collection is reporting 2 accounts on my credit report and I never received a notice. The min I saw it on my credit report I contacted them and took care of it. 
This bill was already paid by my insurance and should have never went to collection in the first place. If I had got a notice I would have took care of it immediately.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you..
Product: Money transfer, virtual currency, or money service

I feel victim to investment scam for an amount of {$15000.00} during the period of XX/XX/XXXX to XX/XX/XXXX by a company called XXXX XXXX. 
XXXX XXXX made their company seem like a legit investment company however this was not the case. 
Please refer to the attachment letter for more details.
Product: Credit card or prepaid card

A transportation broker charged my credit card {$1200.00} when I tried to terminate their services because they were unable to locate a driver. Our contract indicated they were authorized to charge {$100.00} in the event they procured a driver to transport my automobile. On the same date that they charged my credit card, I contacted Citibank and indicated that they were not authorized to charge my card that amount. At that same time, I was never told that I needed to go through " Billing dispute '' versus the fraud department. 
Citibank stopped the payment and requested additional information from the vendor. Both the vendor and I submitted the contract which specifically stated that a {$100.00} charge would be payable by credit card and the balance would be due in CASH and paid directly to the driver. Even having the contract from both parties, Citibank still reversed the payment and has paid the company {$1200.00}. The company never procured a driver so they were not due anything, however, if I were to be liable for anything based on the contract the most that should have been processed on my credit card was the {$100.00} as stated in the contract. Citibank is now saying that they investigated fraud and if I had a dispute with the amount the information should have gone to their billing dispute department. I don't understand why they did not send it to billing dispute upon receipt of all documents. Now, I can not get anyone in billing disputes to handle because the " fraud '' department has the file locked. I don't know what any of this means, but Citibank has become as negligent as the vendor. I have called Citibank 11 times and submitted all documents and they still have not created a billing dispute nor helped me in any way. In the interim, this charge is now on my credit card and payment is expected or it will mess up my credit. Finally if anyone at Citibank took the time to read all of the documents, it would have been clear without doubt that this vendor was not due more than a {$100.00} feed and they allowed this vendor to steal {$1100.00} so they should be liable.
Product: Vehicle loan or lease

Since late XX/XX/XXXX, I have been working with Capital One who finances my auto loan to get my car, bought out of state from Massachusetts, registered in my home state of Colorado. After calling their customer service several times, I was given misleading information about how to obtain a lienholders agreement. A representative erroneously instructed me to send the Mass. title to them. When I called in the Fall to get the title back or mailed to the Colorado DMV, Capital One refused. After many repeated attempts to call and submission of an online complaint in my account, Capital One still refuses to comply, so I am unable to register my car , drive it, or sell it if I wanted. I've been without a car for months now, going now into XX/XX/XXXX! I urgently need help to mediate with them to send the Mass. title to me or my local DMV so I can get my car registered.
Product: Credit card or prepaid card

To Whom it may concern ; Bank of America has deliberately prolonged my suspicious activity claim opening & closing the claim then claim to now have to open second claim extending the 90 day timeframe to resolve the case. I am not trusting any of the supervisors @ Bank of America. Today XXXX when I opened my email a Bank of America email stated my card was being suspended and a new card is on its way. The account that previously compromised has already been closed and a new card issued and now the new card which was not requested by Bank of America according to supervisor XXXX. 
The following list below are the representatives I spoke with today. 
XXXX ; XXXX ; SUPERVISORXXXX ; CSR NEW CLAIM NUMBER ( XXXX XXXX XX/XX/XXXX ) # XXXX. 
XXXX asked for the police report number stating she had no access to the faxed in report I sent in. According to XXXX the supervisor she stated XXXX did. I did not trust this CSR for lying to me and asked XXXX what about the 1st case? XXXX opened a new case for the XXXX purchases and escalated the 1st case since it was closed. XXXX asked me many questions and being XXXX in a level that she could help. There is too many mistakes going on and no one really doing their job. The incident happened on XX/XX/XXXX and the case keeps being pushed back, closed and reopened but only when I inquire! If I did not inquire XXXX XXXX XXXX would just on the case.
Product: Debt collection

Subject : Formal Consumer Complaint Against Credit Collections Services To Whom It May Concern : I am writing to formally submit a complaint regarding Credit Collection Services for multiple violations of my rights under federal consumer protection laws. Specifically, the agency has violated the following : 1. 12 CFR 1006.34 ( b ) ( 5 ) : The collection agency has failed to provide the required validation information about the alleged debt, yet they have placed a collection account on my consumer credit report. This is a direct violation of my rights under the law. 

2. 12 CFR 1006.34 ( c ) ( 4 ) : I have not been provided an opportunity to dispute the alleged debt as required. The agencys failure to give me proper notice of my rights has prevented me from disputing the validity of this account. 

3. False, Misleading, or Deceptive Practices : The agency has engaged in false, misleading, and deceptive practices in their attempt to collect this alleged debt. This is a clear violation of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ). 

4. 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) : The agency has no legal authority to furnish information about this account to any consumer reporting agency without first providing all disclosures required by law. Their failure to comply with these obligations further demonstrates their disregard for federal regulations. 

I demand the immediate removal of this account from all consumer reporting agencies within 14-30 days, as it is unlawfully reported. If this issue is not resolved promptly, I reserve the right to seek statutory damages of {$1000.00} for these violations. 

Additional Actions : If this issue is not resolved to my satisfaction, I will escalate the matter further through the CFPB website and other regulatory channels.Please delete this account from my credit file immediately and provide written confirmation that no further collection attempts will be made. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I purchased my XXXX XXXX XXXX on XX/XX/XXXX. Hyundai finance has yet to send me the title. I call every day to customer service and what they tell me is that my account shows active so the title department can't send me the title until the account is inactive. They claim they email the department to correct this mistake. It is now over a month and the folks at Hyundai still tell me that the title has not been sent.
Product: Debt collection

I received a letter from XXXX XXXXXXXX XXXX Representing Law Firm in XXXX, Texas and they are threatening to foreclose my home and throw me on the streets of XXXX, Texas with my XXXX Lifetime. The Law firm also want s to collect {$250000.00} and put a Lien through XXXX XXXX Courts. 
XXXX XXXXXXXX XXXX and its business partners XXXX XXXX XXXX XXXX, Texas, XXXX XXXXXXXX XXXX and XXXX XXXXXXXX XXXX are all in Fraud alledgations in stealing the Federal Veteran Administration around {$240000.00} on XXXX XXXX and now XXXX XXXX XXXX is trying to send me to court to collect {$250000.00} and put my home in Foreclosure to cover up on my VA Loan. 
VA Lender does n't care about our US Military Veterans and does n't care about our XXXX Citizens and Military Veterans. 
XXXX XXXX and XXXXXXXX XXXX representing Attorneys XXXX XXXX has started court procedures in Texas with a case # XXXX This why XXXX XXXX XXXX and XXXX XXXX XXXX has been doing since XXXX XXXX VA Loan Modifications in prolonging for time to Foreclose my home and collecting {$250000.00} I am XXXX Lifetime and Retired and Divorced and I live alone in my home since XXXX XXXX. 
There is a major Fraud with my VA Loan and purchase process that needs to be Investigated by Federal Government. 
XXXX XXXXXXXX XXXX, XXXX XXXX and Investors and Attorneys of XXXX XXXX knows about my Bankruptcy Chapter XXXX that was filed on XXXX XXXX and it was Discharged by Federal Judge in XXXX, Texas on XXXX XXXX. 
Is this how financial institutions treats our US Military Veterans and XXXX Citizens in America. 
I am contacting Journalist XXXX XXXX on my story to be televised Nationally and with XXXX.
Product: Mortgage

There are ALL KINDS OF WRONGS with this other lenders worksheet and what they are telling you. So much so, that you should report this XXXX XXXX XXXX to the CFPB. 



To Start- You can not use a XXXX XXXXXXXX XXXX on an FHA loan unless you have owned it for a period of XXXX  months. The snap shot below is from the FHA site. Hes trying to give you {$7800.00} You must have lived in your home the one with the mortgage you are refinancing for at least XXXX  months to qualify for an FHA cash-out refinance. If you've only lived in the home for XXXX  months, you'll have to wait XXXX more before applying for that FHA cash-out refinance. 



Hes waiving escrows for taxes and insurance ( which you can not do on a FHA loan. 
Federal Housing Administration ( FHA ) loans require all borrowers to have escrow accounts. The accounts are used to pay property taxes, homeowners insurance, and mortgage insurance premiums ( MIPs ). 



You currently have a conventional mortgage. Flipping to an FHA loan adds the Upfront MI fee of {$2600.00} to your loan. 
The XXXX XXXX {$10000.00} XXXX and XXXX liens you used at closing will not allow a XXXX XXXX XXXX. See the attachment. 
The reason the rate is Low-er is that hes charging you XXXX points to lower the rate ( FHA is lower rate the conventional rates we discussed yesterday anyway ) Hes charging you {$4200.00} in Origination fees. This is Tremendously high. Our fee is {$1300.00} for underwriting and {$320.00} for the fraud guard fee. 
Hes charging you {$650.00} for an appraisal. Unless youve owned the home over XXXX months, you have to use the value at time of purchase. 


I would again, report this guy at : https : //www.consumerfinance.gov/complaint/ Hes offering you programs that dont allow what hes offering
Product: Credit reporting, credit repair services, or other personal consumer reports

The FCRA stimulates that student loans are need based loans, they didnt view credit score when you borrowed money so why is it on a credit report its not credit based. Also, according to the federal law 15 USC 1605 ( a ) a finance charge is a " sum of all charges '' payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. So there should have no late payments in my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally request and investigation into an unauthorized hard inquiry from XXXX on XX/XX/year> which I did not authorize in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've previously disputed that this Bankruptcy account from the XXXX XXXX XXXX XXXX IL is reporting inaccurately and should be removed from my credit report. You guys claimed that it was verified, which is odd because I've checked with the XXXX XXXX XXXX XXXX XXXX IL and they have told me that they don't report to any credit Bureaus. I then told XXXX XXXX that they were reporting this bankruptcy inaccurately and they deleted this account from my credit report immediately. So again I'm confused on how you verified this account if the furnisher you have reporting says they don't even report to you guys and XXXX XXXX deleted the whole bankruptcy from my consumer report. Yall have committed fraud against me and if you do not decide to delete this account from my credit report after receiving this complaint you will be violating 15 USC 1681n for negligent compliance and I will have no choice, but to take you to small claims court to take legal action against you as a federally protected consumer.