23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have tried to explain to Equifax that there are several things listed on my report that are not mine. This is getting to be a huge hassle! Because of them I have to pay a higher interest rate because they refuse to investigate properly. There is no other credit reporting agency that is listing these mistakes that Equifax does. They could n't be validating with my social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please note I was called by someonesaying they were capital one and asking me to call back to XXXX XXXX and refer to a reference number XXXX for an application verification. They wanted me info to confirm if it was an application I submitted. 
I did not give them any information but hope you can report this to the FBI or local authority that prevents them to succeedin scamming others? 
Please follow up Thank you
Product: Mortgage

I have a conventional loan with Nationstar mortgage. I 'm selling my house and need a payoff quote for XX/XX/XXXX. They continue to send me payoff amounts for XX/XX/XXXX insisting they are incapable of calculating the amount for today. They tried to tell me I can calculate the amount myself and send it to them, or send their amount and request a refund. I explained I do n't want to and them {$600.00} extra and wait 4-6 weeks for a refund. They continue to insist their system can not calculate this amount. Totally unacceptable service.
Product: Mortgage

I went and paid my HOME EQUITY LINE OF CREDIT in full on XX/XX/2020 and the payoff that I got from BMO Harris Bank was as of XX/XX/2020 but I paid it early. Since I paid it early, I was charged interest after the XX/XX/2020 and the bank has yet to refund me the extra interest that I paid. 

Also, BMO Harris charges me a fee of {$75.00} per year to keep the HOME Equity LINE OF CREDIT open which I paid on XX/XX/XXXXbut I received a new letter that shows, they will be charging me a monthly fee of {$75.00} stating XXXX and so on. 

My Home Equity Line of Credit documents that I signed when I opened the HOME LINE OF EQUITY show that maintenance yearly fees is {$75.00} and comes out of my personal bank the month of XXXX.
Product: Credit card

I have called the company multiple times and sent them a letter requesting they stop sending me marketing emails for a credit card for my company, XXXX XXXX XXXX XXXX, which no longer even operates. They refuse to stop sending me the spam mail.
Product: Checking or savings account

I wrote a check to the IRS for {$6000.00} on XX/XX/XXXX for an estimated tax payment for the XXXX tax year. Because it was an estimated payment, and the check was cashed for that same amount, I did not realize it had been cashed by someone other than the IRS until nearly a year later. Someone had erased " Internal Revenue Service '' in the " XXXX to the XXXX of '' line, and replaced it with their name. However, the memo line was not erased or replaced and STILL READ : " XXXX Form XXXX '' and the last XXXX digits of my social security number, thus making it clear to both the paying bank ( Wells Fargo XXXX and the depository bank XXXX XXXX XXXX XXXXXXXX XXXX that the check had been altered. Because it was more than 30 days since the writing of the check when I contacted Wells Fargo ( the paying bank with whom I have an account ) in XXXX of XXXX ( immediately after the IRS told me I was {$6000.00} short in my estimated tax payment ), Wells Fargo bank refused to either pay me the money or go after XXXX XXXXXXXX XXXX ( the depository bank ) for breach of warrantee. ( The depository bank, under XXXX XXXX and XXXX warrants that the " check is not altered and endorsements are not forged or unauthorized '' ). The paying bank has 3 years to make a breach of warranty claim. I also went to my local law enforcement agency last year in XXXX as well, and they have yet to resolve the matter.
Product: Mortgage

We began a new home build, VA funded, with XXXX XXXX on XX/XX/XXXX. We agreed with them on XXXX on a interest rate and signed a Float/Lock Agreement and a Truth-In-Lending Statement and a Cost Analysis Worksheet agreeing on all finances for the new home : price, interest rate, and a return of {$890.00} due to us at closing. We were originally due to go to settlement on our new home at the beginning of XXXX. This was delayed to XXXX XXXX. Late in the afternoon of XXXX XXXX, we were notified that the closing would be delayed for an unknown time period while NVR Mortgage awaited receiving tax forms that we signed off to be ordered on XXXX XXXX. While we waited for the tax forms, they also contacted us requesting other forms, some of the forms had already been sent previously. We finally got word that the tax documents had bee received on the XXXX XXXX, BUT they still needed more copies of bank statement, to justify the paying off of bills with the proceeds of our sold home, and other forms in order to complete the process and go to underwriting and the a XXXX hour audit. On Tuesday, XXXX XXXX, we were finally contacted that we would be closing on XXXX XXXX at XXXX and an email stating that we needed to bring with us to closing a certified check for {$6500.00}. We have done a lot of research on this process and this is a standard practice of NVR Mortgage XXXX, VA office. Many other customers have dealt with this occurrence of changing the agreement at the last minute trying to squeeze us knowing that the move out date of our current house is XXXX XXXX, in 9 days. It seems that by questioning us on our funds at such a late date that they are seeing how far they can push us for the funds that they think we have available.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I sent a complain today to request that the account XXXX XXXX {$0.00} which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. This account was paid as agreed and past due is XXXX but still reporting 30 days late. 
The XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ).
Product: Mortgage

I will now post evidence that the history of payments by Select Portfolio Servicing , Inc . is in error ; and therefore proves the importance of the corrections necessary, to be made to my account : First, Select Portfolio Servicing , Inc. sent, to my address, a history of the payments they said I made to their company but have left out important payments. I will attach the Select Portfolio Servicing , Inc. history sent. I have recently acquired from XXXX XXXX, a legally documented payment history. This document was sent to me after requesting a history of all payments sent to Select Portfolio Servicing , Inc. through " XXXX XXXX '' payment processing. You can clearly see that not all of the payments made through XXXX XXXX to Select Portfolio Servicing, Inc.are documented on Select Portfolio Servicing , Inc. 's history : Note- I will also respond with the payments through XXXX XXXX  when that history becomes available as a precaution ; as I began all payments through XXXX XXXX .

Second, I am still confused as to why the latest letter from Select Portfolio Servicing , Inc. states that I owe for " XX/XX/2018 '' on a letter dated XX/XX/2018 but my billing statements read that I owe almost {$4000.00}. And as the XXXX XXXX payment history proves, I Never Missed A Payment to Select Portfolio Servicing , Inc .
Product: Credit card

While travelling abroad, the credit card issuer called about an alleged fraud alert. I provided all the information they requested. Yet, the credit card remained inoperative ( suspended ) for the remainder of the trip, which caused us major problems. The credit card in question is the XXXX XXXX XXXX, issued by Citibank. 

The CFPB should penalize Citibank for unethical business practices.
Product: Credit card or prepaid card

I opened a dicover credit card inXX/XX/XXXX. It is no interest if you pay the minimum money every month. And it start to charge me the interest from XX/XX/XXXX. Without any email notice or statement, I didn't received the statement. When I find the interest charge, it already been charged for 4 months. I think it is okay for discover to charge the interest but they need to inform me by email or app notice instead of just silently charge the interest. I realized it and paied all the balance. But I still want to argue for the interest they charged on my account with no notice from XX/XX/XXXX. 
I think it is their abligation to inform customers of changes of interest policy. 

Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

This company violated my rights per the Fair Credit Reporting Acts- 15 U.S.C . Secs. 16811681x., 15 U.S.C . Sec. 1601 et seq., Pub. L. No. 108-159, 117 Stat. 1952.

I have never conducted business with them. I am not liable for this debt with them and I do not have a contract with them at all. They did not even provide me with the original application like I requested several times ( 5 ) now. I did not give them written permission either to report this to any credit bureau or add to my credit report. All I ever received was a generic email stating that this account has been verified and I asked how? No response ever given due to it being a generic email that they send to all their customers. I even called on yesterday to get this item removed and was told it could not be removed after being on the phone with them for almost 3 hours trying to reach a real person. I was transferred to almost every department in the company instead of the right one I requested, which was the fraud department. I think they use this tactic also just to get the consumer to just hang up and say forget it. This is not right at all to us because some of us are trying to buy a house, a car and even get a job that relies on you having good credit. The account and information is listed below. 

XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX  Balance details 0 % paid off Balance {$5700.00} Balance updated XX/XX/XXXX Original balance {$5600.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S. Code 1692c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I demanded this be removed immediately. I have already filed litigation concerning this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks.
Product: Debt collection

XX/XX/XXXX received a XXXX XXXX XXXX/ Synchrony Bank statement with a XXXX balance due. The statement contained information on renewing my membership at a fee of {$100.00}. This more than double what it was for XX/XX/XXXX. I determined that was too excessive an increase and contacted the company requesting my account be closed. Because of the non-action on honoring my request for cancellation I received a statement with a balance due amount of {$160.00} the following month. I called the company again and was informed that it would be reviewed and I would received updates on the progress. I did not receive a single update. I did receive past due notices and threats of collection agency actions against me. To date this year I have received no services or made any purchases from the company. My question is why am I being charged for services and/ or purchases that were never made. It is my opinion that the companies lack of action to close my account when requested resulted in these statement fees. This my all be by design but I do not intend to pay for services and/ or purchases that I have not requested or received. 

XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I received several calls on my caller ID cell phone from Bank of America I was on the phone with the vet and could not answer when I called back after sitting on hold for 20 minutes they called back in so I answered I was asked if I was trying to send {$3400.00} to a XXXX XXXX in North Carolina XXXX XXXX. I said no. I also got a text about the same thing and again replied no. The gentleman adapt time proceeded to tell me my information from the bank as in he knew my address exactly how much money was in the account my phone number to verify it was me and they called on the Bank of America line. He assisted me through adding my phone number back onto my XXXX account as it was taken off. At that point he said the money should be back into my account within 24 hours because it was caught early or 10 days that he was from the fraud department. The next morning the money was not in the account therefore I called Bank of America finding out that this was actually a scam I explained that he use their phone number and walked me through step-by-step how to add my number back onto XXXX. As soon as I had hung up the phone with him I received yet another text message stating that I had sent {$3400.00} to XXXX XXXX. Which I did not do I called Bank of America to the freight fraud department they said they were working on it that was Wednesday Monday call Bank of America yet again XXXX spoke with XXXX XXXX location he called spoke with a XXXX claims so that they had 10 days if they could even get it back.on Thursday XXXX XXXX PM spoke with a XXXX out of Texas she finally gave me a claim number which I had not had up until this point. She told me it was being expedited I told her I had not still received any correlation through XXXX or Bank of America in regards to this matter. She told me to contact the IC3 and put in a claim. I did so. On Monday XXXX call Bank of America still no update at that point they told me it would be 10 to 45 days I explained that I have bills to take care of I also take care of a handicapped sister. And if shes not taken care of I could be in trouble with the law and she said she was sorry called yet again Wednesday XXXX explaining how I had already contacted you guys or were in the process of Im sorry along with the FDIC and the media and that I still got no response from anybody I had to borrow money from a XXXX XXXX so that I could buy groceries I have now been told that I have to for 24 to 48 hours to them decide if theyll even give me emergency funds and this was after I spoke with a manager XXXX the girl XXXX had sent me to yet again out of Texas. She did say that I still may not get the money back. Please help. This is all through Bank of America in XXXX
Product: Credit reporting or other personal consumer reports

Section 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) states that transactions between the consumer and the person/corporation generating the report is NOT included in the consumer reports. However, Experian is currently including this information. This inclusion of excluded data, as outlined in 15 USC 1681 ( d ) ( 2 ) ( A ) ( i ), represents a clear violation of Metro2 compliance standards. I am requesting the Metro2 compliance disclosure regarding the reporting of transactions to a consumer reporting agency. Specifically, I need the transactions reporting as late, collection/charge-offs, and ANY other derogatory information from my consumer reports, deleted from my consumer report effective immediately.

Do not respond with this account has been validated, I want to be clear, I am not asking you to validate or verify anything. Please refrain from responding with these tactics that will waste my valuable time. It is important to note that these accounts have been designated as being in collection/charge-off WITHOUT providing me with a copy of IRS Form 1099-C, which is required for Cancellation of Debt. This action by Experian and the creditors who are reporting collections/charge-offs, late payments, and other derogatory information in my consumer reports is in direct violation of 26 USC 6050P, which pertains to Returns Related to the Cancellation of Indebtedness by Certain Entities.

If the derogatory account information is not removed from my consumer reports within 15 days, I will have no choice but to officially file IRS Form 3949-A : Information Referral and IRS Form 211 : Application for Award for Original Information Overview with the Internal Revenue Service against all persons/corporations involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have so upset. I don't ask for much all I ask for is to be treated fairly. I have repeatedly told your company that there are errors only my credit report that are preventing me from doing the things that I need to do in order to provide for my family. My family and I are struggling and very frustrated about the troubles we are having. I f something is not done immediately we will in fact seek litigation. " 15 U.S. Code 1681 - Congressional discoveries and mission statement ( a ) Accuracy and reasonableness of credit revealing ( 1 ) The financial framework is subject to reasonable and exact credit announcing. Mistaken credit reports straightforwardly debilitate the proficiency of the financial framework, and uncalled for credit detailing techniques subvert the public certainty which is crucial for the kept working of the banking system. ( 3 ) Consumer announcing offices have expected an imperative part in gathering and assessing customer credit and other data on buyers. The financial framework is reliant upon the reasonable and exactness detailing of purchaser offices. At the point when you neglect to manage your work in addition to the fact that it hurts me it influences the financial framework. The financial framework brings in cash by loaning to shoppers like me. I have connected a few times whining about the wrong things on my buyer report. Well I am complete the process of grumbling. I request you eliminate these incorrect things or I will look for suit for the entirety of the infringement and for the torment you folks have caused me by destroying my standing by announcing erroneous things.
Product: Debt collection

XXXX XXXX {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).
Product: Credit card or prepaid card

I am being forced to switch my XXXX card from XXXX XXXX to Marcus Goldman Sachs.

I am not able to pay my bill because the Marcus app and website does not work. I am not able to even create an account to access anything.
Product: Mortgage

on XX/XX/XXXX i closed my loan with XXXX XXXX XXXX XXXX. my loan sold at the closing table to home point financial. my total monthly payment at the time of closing was XXXX this included monthly MI XXXX, XXXX XXXX XXXX of XXXX, XXXX of XXXX and taxes of XXXX per month. my new home was new construction so the property taxes were an estimate at the time to be XXXX per year. when the tax bill came out later that year they were only XXXX per year so naturally i am expecting my payment will go down. my HOI did increase from XXXX to XXXX per year so i expected my new payment should be XXXX in XXXX of XXXX XXXX XXXX XXXX took XXXX from my escrow account and erroneously paid someone elses property taxes. then they sold the loan to freedom mortgage. i had no clue at the time. it was XXXX of XXXX that i became aware that something was wrong. i happened to notice that my escrow account was substantially negative so i went to my sister-in-law, who is a mortgage broker, for guidance. i contacted freedom mortgage and pointed this out and asked them to fix this and they said it would be fixed by XXXX. instead of fixing the issue they reassessed my escrow account and sent me a statement on XX/XX/XXXX saying that my new payment will be XXXX!! i have explained this error multiple times to multiple people at both XXXX XXXX XXXX and at Freedom Mortgage. no one seems to want to fix this. XXXX first said that XXXX made the mistake and would have to reimburse the XXXX but then XXXX said they sold the loan to Freedom so they are no longer responsible for the error regardless that they made it. Freedom keeps saying they are going to fix this but as of XX/XX/XXXX by escrow account is still negative, they have not reimbursed my escrow account. they did reduce my monthly payment to XXXX but this is still NOT correct. my next payment is due on XX/XX/XXXX and this needs to be corrected!! i spoke to XXXX in escalation ( at Freedom ) on XX/XX/XXXX and she assured me, actually PROMISED me that it would be fixed by XX/XX/XXXX. i have been very patient with waiting for all of this to be corrected but that patience has RAN out as they still have not fixed ANY of this! I feel I had no choice but to file this complaint. This is NOT how i expected my first home purchase to go. Freedom did pay the correct tax bill for my property and absorbed the {$14.00} late but that is it. Please HELP ME GET THIS RESOLVED. They are not doing what they keep telling they will do. this is wrong. Thank you