23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage increased by {$1000.00} from XXXX to XXXX payment. I found out it was because " Lender placed '' was put on my account when it did not need to be, I sent them documentation of insurance and lender-placed was taken off as of XX/XX/XXXX. I had also sent them documentation we had this insurance back in XXXX as well but they still placed me on lender placed. It is now XXXX XXXX and we are still dealing with the issue with them. I have spoken to over 10 people there and NO one knows what is going on in that company, everyone tells me a different story. I overpaid by XXXX last month and don't want to do it again for this month 's payment. We are short in escrow and no one can explain why. Some people say it was because the lender-placed and some because of taxes. Our taxes in XXXX did not go up that much this year. Nothing is adding up to the extreme hike and nothing is being resolved. Newres has been a horrible company to have our mortgage with. I just want my payments to go back to normal like they should and they are giving me the run around.
Product: Mortgage

Called PennyMac my servicer about Mortgage suspension/forebearance program said it was not automatic I had to be approved and only through XX/XX/XXXX 90 days. This is not what the .gov site says is available.. The site says 180 days with extension of 180 and only a statement that you are struggling with making payments due to Covad. Loan # XXXX/XXXX XXXX/XXXX XXXX, Ut Gov.com website states : Second, if you experience financial hardship due to the coronavirus pandemic, you have a right to request a forbearance for up to 180 days. You also have the right to request one extension for another up to 180 days. You must contact your loan servicer to request this forbearance. There will be no additional fees, penalties or additional interest ( beyond scheduled amounts ) added to your account. You do not need to submit additional documentation to qualify other than your claim to have a pandemic-related financial hardship.
Product: Debt collection

This company promised to delete tradelines from credit reports with settlements and did not do it. Instead, they reported them as paid for less than full. They explicitly told me they would delete.
Product: Checking or savings account

signed for truist new account and sign on bonus with couple of direct deposits and funding new account with a minimum balance, caompleted all the tasks and yet denied the bonus and reached multiple customer reps and everyone gives a different reason and which is not true
Product: Credit card or prepaid card

I made a purchase with the " XXXX XXXX XXXX '' with a Synchrony Bank private label credit card AKA as " SYNCB '' in XXXX of XXXX with a promotional offer to pay the {$3900.00} purchase in 18 months. This was initially due in XXXX of XXXX. 

Sometime in XXXX of XXXX, an extension was requested and granted to defer the promotional date until XXXX to pay this amount off via a refinance that I was working on at the time. In XXXX the mortgage company sent a check to SYNCB for the total payoff amount of {$2200.00}, which was the balance quoted by SYNCB at the time. 

In XXXX of XXXX, since the check had not been cashed, I kept calling to determine why. Since the check was not cashed and several weeks had elapsed, the mortgage company reissued the check with the same amount and put a stop payment on the original check. 

It turns out that SYNCB had the original check initially submitted all this time. This was returned by the bank due to the stop payment but, finally, sometime in XXXX of XXXX, the replacement check was cashed and the amount posted to the account. 

The {$2200.00} should have paid off the account but, SYNCB claims that, because it was not paid by the expiration of the " promotional period '', a very steep penalty is assessed : the balance of the account went from {$2200.00} to over {$4000.00} as a {$1800.00} interest was added to the balance due to the expiration of the promotion. The rate, according to SYNCB, is 29.95 % APR. 

However, that is not all. Much to my surprise, interest is applied every month, I suspect at the same rate, to the balance. I have made XXXX payments of {$99.00} each against the {$1800.00} interest and I still owe {$1200.00} from the initial {$1800.00} in interest. In other words, from each {$99.00} payment close to {$40.00} go to interest on the interest. 

In other words, SYNCB is charging, not only an outrageous interest rate on these " promotions '' but they also charge interest on that interest. If this practice is not illegal, it certainly should be. Consumers are in essence being ripped off with a practice that allows banks to charge outrageous interest rates in a way that is compounded. This is most likely under the radar as I just learned of this today and confirmed by agent " XXXX, agent XXXX '' at SYNCB.
Product: Credit card or prepaid card

American Express closed my entire relationship because the IRS did not send over my tax information in a  timely manner.     I have had personal card for many years and never was late once. I have perfect credit and have never missed a payment or had any issues whatsoever. I decided to expand my relationship and use  American Express  for my business as well. I order a new card after receiving an offer from  Amex  and added  XXXX  users as card holders.     The first day the card was received, there was a hold placed on the entire account including my personal cards and  American Express  requested some information from the IRS.     Again, the cards had never been used.. I filled out the forms  Amex s ent with no issue. The  American Express r ep told me herself that she knew the IRS was behind on processing the information. A hard close date was set and I called the IRS myself and tried to rush them. After the information was n't sent by the date that was given,  American Expre ssed closed all of my accounts with no reason given whatsoever.     I had already closed my previous relationship that i used for my business and now with   American Express doing this it has effected my business is a large way.
I want my American Express Cards   back. I would think i am the ideal client. I have perfect credit.
Product: Credit reporting or other personal consumer reports

I am following up on my complaint dated XX/XX/year> regarding the consistent oversight of my requests for correcting the erroneous status of my account by your agency. Despite multiple written submissions, I have not received any response thus far. Furthermore, inaccurate information concerning my accounts persists on my credit reports, indicating potential non-compliance with the Fair Credit Reporting Act, specifically 15 USC Sections 1681, within the legally mandated timeframe. The continued reporting of unverified information raises concerns of willful negligence and non-compliance with federal statutes, despite my persistent efforts to address the matter directly with the creditor. Below are the accounts that continue to be reported : XXXX XXXX XXXX XXXX Balance : {$6200.00} XXXX XXXX Balance : {$78000.00} XXXX XXXX Balance : {$19000.00} XXXXEquifax : XXXX XXXX Balance : {$7300.00} XXXX XXXX Balance : {$78000.00} XXXX : XXXX XXXX Balance : {$6200.00} XXXX XXXX Balance : {$78000.00} XXXX XXXX Balance : {$19000.00}
Product: Mortgage

DURING COVID WHEN I LOST MY JOB I CONTACTED NATIONSTAR MORTGAGE LLC AKA MR COOPER AND THEY OFFERED FORBEARANCE REFLIEF FOR 90 DAYS. AFTER HEARING IT WAS A SCAM I TRIED TO GET OUT OF IT AND THEY SAID I CAN'T. I TRIED MAKING MY MORTGAGE PAYMENT AND THEY RETURNED IT TO ME. WHEN I CALLED THEM THEY SAID THEY WOULD NOT ACCEPT PAYMENT FROM ME. THIS LASTED APPROXIMATELY A YEAR THAT I KEPT CALLING THEM TRYING TO GET OUT OF IT AND THEY WOULDN'T ALLOW ME, I WAS TRAPPED. AS I EXPLAINED TO THEM, THEY WERE MAKING IT WORSE. NOW I HAVE AN ENORMOUS AMOUNT OF MONEY ADDED TO MY PRINCIPAL BALANCE. 
I WAS JUST TOLD THAT I WAS NOT IN FORBEARANCE BUT IN A MODIFICATION. 

IT'S A CRIME THAT DURING COVID WHEN THE NATION WAS IN TURMOIL NATIONSTAR MORTGAGE AKA MY COOPER TOOK ADVANTAGE OF CUSTOMERS.
Product: Credit reporting or other personal consumer reports

I submitted disputes to XXXX and XXXX to address fraudulent information on my credit report due to identity theft. I provided all required documentation, including my drivers license, proof of address, an FTC Identity Theft Report, and my dispute letters. Despite this, XXXX sent me an email claiming they couldnt place a security freeze because I didnt provide proof of identity, which is false. XXXX also mailed me a letter claiming they are unable locate a file for me in their database. However, both companies have processed some disputes and made corrections using the same documents they now claim I didnt send. This inconsistency is unacceptable and appears to violate my rights under the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, both XXXX and XXXX are required to investigate disputes, process accurate information, and honor valid requests for security freezes. Their mishandling of my disputes is causing unnecessary stress and delaying the resolution of identity theft issues on my report. 

I am a busy mom and in the process of moving with my three small children, and its cold outside. I dont have time to deal with this negligence. Their actions are playing games with my livelihood, and its not fair how theyre treating people. I need them to follow the law and fix this situation..
Product: Credit reporting or other personal consumer reports

In accordance with the fair act credit reporting act XXXX account # 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 XXXXXXXX XXXX XXXX  Has violated my rights.

15 U.S.C 1681 Section 602A states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Under 15 USC XXXXi ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXXday period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX 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 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 XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

On XX/XX/XXXX I noticed I had a collection from LVNV Funding LLC. The amount was {$4900.00}. They seem to have purchased a debt from XXXX XXXX. Two months before this account was opened my apartment was burglarized and many things including my identity was stolen. I filed a police report and sent it to XXXX. They did not remove the account! Thie account doesn't belong to me. Please contact XXXX and have them remove the account. Thank you! 

LVNV Funding LLC account # XXXX po box XXXX XXXX SC XXXX ph. XXXX
Product: Credit reporting or other personal consumer reports

How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRAXXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Product: Credit card or prepaid card

I never opened an account with Barclays Bank in Delaware. This is a fraudulent account. This account should be removed from my credit report immediately. This is considered fraud. I like to keep my good name in good standing. My report should be accurate at all times and this is a poor representation of accuracy. This not only violates my privacy but it's completely unfair and unjust.
Product: Credit reporting or other personal consumer reports

On XX/XX/ I sent a letter regarding in accurate and unknown things on my credit report to this day over 51 days later I have yet to receive a response yet. I feel like I'm being taken advantage of and that my disputes are being ignored. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been well over 51 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress that you have caused me. My information was also impacted by the Equifax data breach and may have gotten in the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several accounts were shown as still open despite multiple calls, emails and letters to Equifax regarding all accounts having been closed from Bankruptcy, as well as accounts that I did not even have access to- they were opened in my name, i had no access to the account whatsoever, still showing on my account despite multiple complaints. 

Incorrect reporting, not showing accurate credit rating. 

The dispute process went over a year.
Product: Mortgage

XX/XX/2015To whom it concernsI applied for the HAMP application XXXX XXXX, 2015. I sent the application XXXX ways. I sent it by email to a BSI Financial Services and to their XXXX office. It was later determined that the information was not being processed and had been sitting in someone 's inbox. I resent the information on XXXX XXXX. I received a confirmation letter on XXXX XXXX that all of the information was being processed. The loan information was transferred from one representative to another on XXXX XXXX. My wife and I have been calling ever since. 
Here are the days that we called or correspondedXX/XX/2015 - My wife left a XXXX XXXX am - spoke with Supervisor. Verified all documents were received and that load was reassigned from one rep to anotherXX/XX/2015 - Left voicemail for repXX/XX/2015 - Left voicemail for repXX/XX/2015 - I called and left messageXX/XX/2015 - Spoke with supervisor again XXXX : everything filed on XXXX/XXXX/2015 and it take XXXX days. Normal process is XXXX days but they are backed upXX/XX/2015 - left voicemailI am just a little frustrated with the process because what normally should have happened by XXXX XXXX has spilled over into XX/XX/XXXX. I.e a XXXX day process is not has now been XXXX days and still no response whether we have been approved for the HAMP. Please helpThanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint to the credit bureaus about a fraudulent collection account on my credit report I have no prior knowledge of this account and also this account has not been verified I was doing some research and was told that if I submit a complaint to the bureaus and it has been more then XXXX days then this collection account most be removed which it has been
Product: Credit card

My citi credit card information was stolen in XXXX XXXX, and I reported the fraud case in XX/XX/XXXX. I requested a new card for replacement, but I did not receive the card until XXXX XXXX. During these four months, I had called the credit card center several times ( like 5 times at least ) to deal with this problem, and they neither process my fraud case nor give me a new card. Because of their unprofessional ability, I was charged for 3-month late fees and interest charges. Furthermore, the customer service I just called was so rude and impatient and even interrupted my talking several times. She said that my account was closed by bank, while I went to the bank and the bank said they did not have any access to credit card nor close it. The credit card center even could not reopen my account. I do not know what they can do other than collect money from me. I really felt that I was mistreated by the customer service representative because I was not an American citizen. I just cleared my balance on my credit card account and do not want to deal with citi credit card center ever again.
Product: Debt collection

AMSHER Collection Services Inc XX/XX/2018. I asked them to validate this account and they sent a letter without valid verification. They sent no signature of mine, bill or statement. I have attached the letter.
Product: Debt collection

I have had numerous medical bills from XXXX XXXX, XXXX, NC. These bills were turned over to Optimum Outcomes for collections. XXXX XXXX has made phone calls and provided documentation to Optimum that these bills are considered settled due to financial hardship on my part. Optimum Outcomes has not reported and/or provided documentation to me stating the account has been removed out of collections. These bills are standing in the way of me co-signing a student loan for my son for college. When I have tried to escalate my calls to speak to a manager I am always told that there is not one available
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB 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.

I want the CFPB to publish
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, I mailed Experian a letter updating my personal information on my credit file. I included a copy of my driver 's license, a utility bill and my social security card to prove my identity. Experian removed the employer information and updated my phone number. Experian has refused to remove the incorrect names and addresses from my credit file stating they were connected to accounts and that I would have to contact the sources to have them removed. Experian sent my a copy my disputed results and I am not satisfied with the outcome.
Product: Vehicle loan or lease

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

I have been patiently waiting on Credit Bureau 's response to the written requests I sent regarding WILSHIRE CONSUMER CRED. 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 wilful negligence and non-compliance with federal statutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working with this company for months! They lied when they reported about my payments to the credit bureaus I was never late. They told me in XX/XX/XXXX that apparently payments in XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX were returned which they should have informed me immediately when it happened. They waited months then decided to report me even though I had just spoken to them and sent them bank statements showing XXXX through XX/XX/XXXX were fine and on time. They said oh ok that’s good we updated that those months were ok but XXXX and XXXX I couldn’t get because my husband’s bank account had been closed and he couldn’t go that far back in statements. I was working with them to resolve the issues and yet they screwed up my credit for I don’t know what reason. I then received a letter from my husband’s bank explaining they made a mistake and that in XX/XX/XXXX they recharged my husband for those missed payments. I sent the company this letter over 3-4 times by email proving they were paid the XXXX! Every time I asked them about it no one had a clue where those XXXX went so now this money some how disappeared and no one knows where it is. I am beyond XXXX XXXX  with this company I have also reported them to the XXXX.
Product: Checking or savings account

been now several days, and still have not received provisional credit as promised by staff, within XXXX hours for dispute # XXXX. i would like my provisional credit that was promised MULTIPLE TIMES to me!