23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My wife and I obtained a mortgage from Nationstar Mortgage last year when we purchased our home. Our account was impounded, which means our property taxes and insurance were included in the monthly payment. A few months after we obtained the mortgage, Nationstar sent me a check for approximately {$2500.00}. When I called to inquire about the check, I was told by a representative of Nationstar that it was a refund for a surplus in our escrow account. They also adjusted my monthly payment from approximately {$2400.00} per month to {$2000.00} per month. I told the representative that I believed there was a mistake, because when we obtained the loan we were told by the mortgage banker that the total monthly payment would be approximately {$2400.00} per month, which included taxes and insurance. The Nationstar representative assured me everything was fine, so I continued to pay the monthly amount of {$2000.00} that Nationstar billed me every month. 
This year, our tax preparer noticed that the property taxes we paid in XXXX seemed low, and suggested we look into it, as he believed we were n't paying the correct amount. My wife contacted the XXXX XXXX XXXX XXXX XXXX XXXX Office, who confirmed that we were delinquent on our property taxes, in the amount of {$6700.00}, which included fees and penalties in the amount of {$630.00}. We never received any statements from XXXX XXXX, who stated that they mailed all the notices to our previous address. However, they did notify Nationstar Mortgage in writing. Nationstar never made the payments, nor did they notify us about the delinquent tax amounts. 
On XXXX XXXX, XXXX, Nationstar Mortgage paid the XXXX XXXX XXXX XXXX 's Office the total balance due of {$6700.00}, including the fees and penalties. They in turn, will pass those fees and penalties on to us. Our complaint is, if Nationstar made the mistake of not collecting and paying the correct property tax amount, and they were notified by the XXXX XXXX XXXX XXXX XXXX Office, why should we be responsible for the fees and penalties? 
On XXXX XXXX, XXXX, we contacted Nationstar Mortgage and spoke with a representative XXXX XXXX XXXX and his supervisor ( XXXX XXXX, from the Escrow Account Department. We explained the situation, and the mistakes Nationstar Mortgage made, and explained that we did not believe it was our responsibility to pay those fees and penalties. The supervisor disagreed, and said he could not help us. 
Therefore, we are hoping your agency can help us, as we feel we are wrongfully being penalized for mistakes that our mortgage lender made. Thanks in advance for your assistance.
Product: Student loan

Hi, Mi name is XXXX XXXX I'm a single mother of XXXX  in need of help. 
I attended XXXX XXXX College around XX/XX/2009 in XXXX Ohio which has since closed. I was attending XXXX XXXX College to obtain my GED unknowing that I would be charged student loans for the GED classes. I was made aware that I should not be charged to take my GED class however, I started receiving bills for student loans that I should not have gotten because did not still do not have my GED at this time. In addition the school has closed and I was charged {$7200.00} for 21 days in attendance from Navient. I have disputed this several time without any success. I hope your origination can help solve this matter. because this matter is preventing me for purchasing a home for my family Thank you for looking in this matter for me. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Department : Remove fraudulent accounts from my credit report.
Product: Debt collection

A agency by the name of Midland Credit Management Inc sent a unknown male individual to my home at night to serve papers. At the time, I am new to the state of Arizona and don't know anybody well enough for them to come to my home at night. I moved away from my previous state due to make stalking and XXXX XXXX by unknown males. This carrier for Midland Credit would not speak clearly so I could understand him no matter how many times I asked. He then forceful say that he have pictures of me. I was shocked! He then proceeded to demand that I show him my ID as he launches for entry to my home. My daughter and minor son was behind the door as I immediately closes my door before he entered. We were in disbelief of the events that just happened. We did not know what provoked this violent event. When I walked my son out the next morning for school I saw a packet of court documents and couldn't imaged all this happened in a very scarry attempt to serve me. I now feel unsafe in my new home. I thought I escaped aggressive men in my old state. I have several police reports of past trauma caused by unknown men that attack my home at night. Please help. I felt safe in Arizona until this happened. I filed a complaint with the attorney general of Arizona concerning this matter. I plan to contact law enforcement and file a report now that I know my rights as a woman. This should not happen to vulnerable women and their families. I now have to install a security system due to this violation against my family and I. Thank you for your help with this matter.
Product: Credit reporting or other personal consumer reports

Subject : Unfair Restriction on Accessing Credit Report from Equifax To Whom It May Concern, I am writing to file a formal complaint against Equifax for restricting my ability to retrieve my credit report from other credit reporting and furnishing agencies. Currently, I can only access my credit report directly from XXXX site, which is not fair and impacts my ability to manage my credit effectively. 

Relevant Laws : Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) The FCRA regulates the collection, dissemination, and use of consumer information. Equifax is required to provide consumers with fair access to their credit reports. By restricting my ability to retrieve my credit report through other agencies, Equifax is in violation of the FCRA, which guarantees my right to access my credit information. 
Fair and Accurate Credit Transactions Act ( FACTA ) ( Public Law 108-159 ) FACTA, an amendment to the FCRA, ensures consumers access to their credit reports and provides additional protections against identity theft. Equifaxs restriction limits my ability to monitor my credit report for accuracy and potential fraud, contrary to the protections provided by FACTA. 
Consumer Financial Protection Act of 2010 ( Title X of the XXXX XXXX XXXXXXXX XXXX and Consumer Protection Act ) The CFPB oversees credit reporting agencies, ensuring they comply with federal consumer financial laws. Equifaxs actions undermine these regulations by preventing me from accessing my credit report through other legitimate channels.

Gramm-Leach-Bliley Act ( GLBA ) ( 15 U.S.C. 6801 et seq. ) The GLBA governs the collection, disclosure, and protection of consumers personal financial information. Equifax must facilitate the accurate and fair sharing of my financial information, which includes allowing access through various credit reporting agencies.

Equal Credit Opportunity Act ( ECOA ) ( 15 U.S.C. 1691 et seq. ) The ECOA prohibits credit discrimination. Equifaxs restriction on accessing my credit report through other agencies affects my equal opportunity to manage and monitor my credit, constituting a form of discrimination.

Federal Trade Commission Act ( FTC Act ) ( 15 U.S.C. 41 et seq. ) This act empowers the FTC to prevent deceptive and unfair business practices. Equifaxs restriction is both deceptive and unfair, violating this act and undermining consumer trust.

Request for Resolution : I respectfully request the CFPB to intervene and ensure that Equifax promptly removes all restrictions preventing me from accessing my credit report through other credit reporting and furnishing agencies. This corrective action is necessary to restore fairness and transparency in my ability to manage my credit.

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I initially filed my dispute XX/XX/XXXX with all bureaus I respectfully gave them a identity theft report and police report as well. I explained I was XXXX  when these accounts were open as well as fraudulent transactions they removed 10 or 11accounts that couldn't be verified do to the fraud but left several accounts based on the same Identity theft and police report saying they were verified. Experian left 5 accounts XXXX XXXX {$1500.00}. XXXX {$2800.00} XXXX XXXX {$8500.00}XXXX XXXX {$1400.00} XXXX {$520.00}. XXXX did the same thing but only left XXXX accounts XXXX XXXX {$1500.00}. XXXX {$2800.00} and XXXX XXXX {$8500.00}. None of these accounts were verified. I continued to send dispute letters from XX/XX/XXXX and other Dating XXXX and XX/XX/XXXX of XXXX even online disputed over a month ago and just recently disputed with both bureaus XX/XX/XXXX for the same issue. They continue to tell me to get in contact with the creditor they cant get a contract I explained it's suppose to be in my file sources what ever they used to place the information on my credit.
Product: Debt collection

I received a letter in the mail, addressed to XXXX XXXX account number XXXX From Syergetic Communication , Inc. It said I owe - - {$3700.00} but that we could " settle '' by XX/XX/XXXX for {$920.00} We do not owe that to XXXX XXXX it has been paid long ago. Called XXXX XXXX to make sure we were good and they said we were fine Debt was paid long ago. They did a search under mine and my husband 's socials and there weren't any other current accounts for us. They stated they would send SYNCM a letter. Checked credit report- everything was fine. The address we are supposed to mail the payment to isXXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX ID XXXX. I looked up this company and the reviews show them doing this to many other people as well. I Won't contact them as I don't want to give them any of our info and I saw from the letter that contacting them is pointless. We don't have any debt at all and sending a threatening letter to us is wrong.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light 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 covering lost funds was impossible and that 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 and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

This is regarding XXXXXXXX XXXX XXXX Account ending in XXXX. 

Gramm-Leach-Bliley Act ( GLBA ) : The GLBA requires financial institutions to provide consumers with privacy notices explaining their information-sharing practices and to obtain opt-in or opt-out consent before sharing nonpublic personal information with non-affiliated third parties. 

Fair Credit Reporting Act ( FCRA ) : The FCRA regulates the collection, dissemination, and use of consumer credit information. It requires consumer reporting agencies to obtain permissible purpose and consumer consent before providing consumer reports to third parties. 

These federal statutes establish requirements for obtaining consumer consent or permission before sharing personally identifiable information and aim to protect individuals ' privacy rights and sensitive data. 

Neither XXXX, XXXX, Transunion, or XXXX XXXX XXXX XXXX can produce the disclosures that I was required to receive by law to share my personally identifiable information with a non-affiliated third party. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Failure to provide these disclosures and the subsequent sharing of personally identifiable information amounts to identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a fraudulent account on my credit report. I have disputed the account and the subsequent collection account directly with the creditor several times to no avail. I have requested any and all proof of who opened the account and have only been provided with billing statements. I was told by the collection agency to file a fraud report with the FTC however I have a child in college and I am in the process of buying a home. Placing a fraud alert on my credit alert will cause major inconveniences when applying for student or home loans. This is the only fraudulent account that has ever appeared on my credit report and I do not believe that I should be inconvenienced any further due to this company 's failure to properly identify applicants. I finally decided to dispute with all 3 credit bureaus. After investigating XXXX deleted the collection account. Transunion closed the collection account. XXXX verified the original account and the collection account.
Product: Credit reporting or other personal consumer reports

I spoke to a representative from One Main end of XXXX to make a payment. I advised her I would pay the XXXX XX/XX/24 that was due. She asked if I wanted to settle because the amount I was paying would do so. I advised her no I dont want to settle the account because I want it to reflect paid in full on my credit report. I will follow up with you next month to make another payment. I did not advise her I wanted to settle. I received an alert from XXXX XXXX stating an account closed recently and a letter in the mail dated XX/XX/24 stamped stating SETTLED IN FULL XX/XX/24. So I follow up with One Main spoke with a young lady she stated that representative that took my call and payment was gone for the day so I requested to speak with a Supervisor. She stated no one was available she took my information and stated that a Supervisor will listen to my call then follow up. One month goes by I called back and spoke to Supervisor by the name of XXXX XXXX at XXXX. He stated because he wasnt at the location that representative that took my call he cant listen but he can contact someone who can. He stated that he will follow up with me the next day still no follow up til this day. I called him today XX/XX/24 left voicemail because Ive received a statement from One Main stating Im past due with remaining balance if XXXX. No one has called to give me an update on the call and credit reporting. This is bad business practices. There shouldnt been a follow up call explaining to me the resolution but instead they send out a new bill statement stating Im past due and you guys never followed up with any or even to say we will be sending out new statement. Shame on One Main.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to bring to your attention a dispute I am currently experiencing with Experian, a credit reporting agency, regarding inaccuracies on my credit report. I have followed the necessary procedures to dispute the information directly with Experian, but as of the date of this letter, I have not received a response from them. 
On XX/XX/XXXX, I contacted Experian regarding the following inaccurate information on my credit report. Unfortunately, Experian has not responded to my dispute. The details of the inaccuracies and the required corrections are as follows : XXXX Account # XXXX : Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$320.00} Original Creditor : CXXXX  Please remove this account from my credit report. 

XXXX Account # XXXX : Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$510.00} Original Creditor : XXXX Please remove this account from my credit report. 

XXXX Account # XXXX : Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} Original Creditor : XXXX Please remove this account from my credit report. 

XXXX XXXX Account : Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$540.00} Please remove this account from my credit report. 

XXXX XXXX Account ( Verification Required ) : Date Opened : XX/XX/XXXX Balance : {$460.00} Please verify the accuracy of this account, correct the balance, and mark it as disputed until resolved with the creditor. 

XXXX XXXX Account # XXXX : Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$390.00} Please remove this account from my credit report. 

XXXX XXXX Account ( Verification Required ) : Date Opened : XX/XX/XXXX Balance : {$260.00} Please verify the accuracy of this account, correct the balance, and mark it as disputed until resolved with the creditor. 

XXXX XXXX XXXX. Account : Date Opened : XX/XX/XXXX Balance : {$610.00} Please correct the inaccuracies, remove the past due amount, and mark this account as disputed until resolved. 

XXXX XXXX XXXX Account : Date Opened : XX/XX/XXXX Balance : {$14.00} Please correct the inaccuracies, revise the past due information, and mark this account as disputed until resolved.
Product: Mortgage

I did a FHA Streamline refinance with Home Bridge Financial services in XX/XX/XXXX that lower my interest rate from 5.5 % to 3.3 % mortgage payment went from {$1600.00} to {$1200.00} it appear to be a good deal until I got an escrow shortage in XX/XX/XXXX total of {$4600.00} with mockery when I turn down to to a repeat FHA loan to got down to 2.9 % but they wanted me to pay the escrow shortage upfront, and I still would have a higher mortgage payment of XXXX up to XXXX and when I turn down at the suppose closing, I seen have been targeted by this loan service company, I also has to do a tax correction with that lower the payment of XXXX to XXXX without the opportunity to paid the difference of XXXX tax increase and correction of XXXX which would come out to XXXX that would have lower my monthly payment instead that want to pay the total shortage of XXXX, causing a hardship because they feel I can't pay the shortage in full I am accusing this company of loan Stacking, I did receive XXXX back from the original refinance from XXXX XXXX but wasn't inform that there would be a escrow storage on this FHA Streamline or else I would have hold the money I believe it was not told to me on purpose to cause a hardship that can lead to possible foreclosure
Product: Debt collection

Macy 's credit card ( through CITI bank ) keeps constantly calling me to collect debt. I told them I am injured and can't work, so I can't pay the card. Initially, when I tried to contact them, their system wasn't allowing me to send them messages to report this problem. This is their problem, which they caused with an email system that was broken. 

I told them today to quit calling all the time. They call me XXXX  times a day at least and won't stop bothering me. I have tried to block them, but it doesn't work. 

They call from XXXX. 

XX/XX/year>, they called at : XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/year>, they called at : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  They call every day and will not stop!
Product: Credit card or prepaid card

Good morning, My complaint is related to an unauthorized charge on my Credit Card. I submitted a corresponding dispute to Capital One explaining the situation and the failed to investigate and assess the case diligently and correctly. 

Here are the details : Date of Charge : XX/XX/XXXX Merchant : XXXX XXXX Amount : {$59.00} The charge is an Auto-Renewal of an annual membership to the XXXX XXXX. The reason for my claim is that I never signed up for an Auto Renewal, nor I gave consent or authorization for an auto renewal of this membership. 

I originally signed up for 1 year only on XX/XX/XXXX. This was a 1 year only with no auto renewal. The charge made on XX/XX/XXXX for an additional year is unauthorized. 

I have tried to resolve this directly with XXXX, but was not able to get through. I have 2 numbers : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. They answer the phone on the first one, but tell me they do not manage these types of complaints. Then they refer me to the 2nd phone number. On the second, they never pick up. They have a message referring customers to their website. However, their website does not provide the mechanisms to file this type of complaint. Therefore I fled the dispute with Capital One. 

Capital One proceeded to contact the merchant. The Merchant responded back to this dispute providing 12 pages of non-related information. None of these pages provided by XXXX are related to the auto-renewal and the do not support my consent or authorization for this charge. If Capital One had bother to read these documents, they would have easily concluded that they do not provide any relevant information to this investigation. Evidently Capital One failed to properly investigate and assess this case. Using non-related documentation they concluded against me. 

I re-submitted the dispute. Then, Capital One asked me for evidence of return/cancelation. I clearly explained in writing and over the phone that his does not apply in my case. I can not cancel something I never order in the first place. Therefore I am contesting the Merchants response based on the fact that this is an unauthorized charge.. Unless the Merchant can demonstrate I signed up and authorize the auto-renewal option, this charge is invalid and unauthorized. But Capital One, again failed to assess the situation correctly and told me that they closed the case and there was nothing else they could do for me. 

What I want is to cancel this illegal charge. I should not be made to pay for a charge I didnt authorize. 

Thank you
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Account XXXX Bank ( XXXX ) Dear TransUnion, I am disputing an account reported by XXXX Bank ( Account Number : XXXX ) on my credit report. This account is inaccurate and related to trafficking activity. I request that it be removed immediately. 

As required by the Fair Credit Reporting Act ( FCRA ), please investigate this matter and delete the account if it can not be verified. 

Enclosed are copies of my ID, a utility bill for address verification, and supporting documentation regarding this issue.