23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My Name is XXXX XXXX I have a mortgage loan with Lakeview Loan Servicing. My loan # isXXXX. I live at XXXX XXXX XXXX, XXXX, TX XXXX. I made a one time payment of {$1400.00} that was charged to my bank account on the XXXX of XXXX. Then an auto draft payment was charged to my bank account for the amount of {$1400.00} XX/XX/XXXX. I never setup Autodraft and I did not authorize this payment. I called customer support and the agent # XXXX said my account was somehow setup for Autodraft but she didn't see when I requested to have it setup. Because I never setup Autodraft. The agent told me I needed to write Lakeview Loan Servicing and ask for a refund. I wrote them on XX/XX/XXXX at XXXX. I also got charged a fee for having insufficient funds by Lakeview Loan Servicing. Who has money to make two mortgage payments a month? Not me and now my car payment is going to be able to go through because I don't have any money in my bank account thanks to Lakeview Loan Servicing. I have yet to hear back from Lakeview Loan Servicing and my bank account has been overdrafted for 2 days now. I would really like a refund and for them to remove the {$34.00} fee for insufficient funds. They robbed me and I can't get a hold of them. Please help. 

Thank you, XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

This complaint is in reference to a previous CFPB complaint ref - XXXX, which was incorrectly closed without any resolution by Citi. 
1. Citi Executive Response Team responded to a previous CFPB complaint on XX/XX/XXXX. In their response, they did not address any of the original issues, and provided incorrect information. They provided the phone number of XXXX XXXX XXXX XXXX, which is in no way linked to their bank or this issue. They also closed the complaint without providing any resolutions. 
2. I called Citi for the 3rd time after receiving the email from the Citi Executive Response Team on XX/XX/XXXX at XXXX PM. The customer service rep, XXXX was highly uncooperative, and failed to even send text messages to verify identity. She was rude and did not attempt to resolve any issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter in XXXX dated the XXXX requesting Transunion, XXXX, and XXXX  as follows ( According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract/Application with my Signature on it, Pay off Disclosure, Interest rate disclosure, Balance History, Payment History and Credit Insurance ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. ) The only response I got was generic and stated account verified however there was none of the previous documents I requested where attached. I then followed up with a second letter stating in XXXX dated the XXXX th which request the following ( Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. ) Still to no avail this time there was no response It is no XXXX the XXXX and I am still struggling with these same unverified and therefore unlawfully placed accounts on my credit report please assist me in making Transunion, XXXX, and XXXX  follow the law and promptly remove the items I attached in the letters
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously contacted XXXX, XXXX, and TransUnion about my concerns with my credit report. I'm concerned that I have had bad credit from XXXX up until current date in XXXX. I have no credit cards. I have no mortgage. I only have student loans which are in deferment or forbearance, but there is persistence to continue my status with bad credit through the three credit bureaus for sixteen years. Because of this, I have not been able to obtain any credit of any kind-or even a residence in which to reside. In XXXX, I even filed for bankruptcy which was expunged in XXXX. I thought this action would help remove incorrect and negative items on my credit reports... but to no avail. Yet still, I have continued with bad credit. I have a car loan, and that is behind due to the pandemic and my difficulties as a result of the nationwide health scare. The fact that remains is that I do not know why I have bad credit. Furthermore, my attempts to correct errors on my credit concerning XXXX company have not been resolved after five years of waiting for a response to my dispute letters. My current credit statement demonstrates a forced and persistent status to keep me as a bad credit citizen of the United States of America and prevent me from life, liberty, and the pursuit of happiness as a citizen with inalienable rights..Also the continued permissible behavior to include businesses on my credit such as XXXX company of XXXX XXXX MD XXXX which I have not agreed to do business with, demonstrates a violation of my rights under the Fair Credit Reporting Act. I have not been informed of the progress in my dispute of XXXX with either of the three credit bureaus, and errors in my credit including the company XXXX and others have remained despite my efforts to have them removed. I have even requested credit reports back in XXXX, and I never received them. To this effect, I have decided to dispute everything on my credit report as it is likely the credit bureaus have allowed me to be violated with the same negligence as they have refused to respond to my disputes and correct errors in my reports.
Product: Vehicle loan or lease

Ive tried calling the company to find out why my balances have changed and Ive sending in my payments and they have been very rude and unprofessional with releasing info to me and they been doing thing to mess with my credit score
Product: Debt collection

On XX/XX/2020, a collections representative at Discover ( Credit Card Company ) placed a call due to missed payment. 

At this time, and today, the credit card only belongs to me. There are no additional phone numbers ( other than mine ) or authorized users on this account. 

I'm assuming through some form of skip research they manage to acquire my husbands phone number and call him due to a payment that I had missed. He relays information later to me that day that lets me know they did the following - They not only disclose that I've missed a payment, but they tell him balance, what is owed, and schedule 2 payments with him through MY checking account that is on file for XX/XX/2020 for {$120.00} and XX/XX/2020 for {$130.00} without my knowledge because they " couldn't get a hold of me. '' That payment came through today on XX/XX/2020 for {$130.00} after realizing that had taken 2 payments on those scheduled dates. When calling to inquire, the representative that I spoke with today ( via customer service I believe ) informed me that it was in fact ME that had spoken with them on XX/XX/2020 and that it was not documented anywhere that they had spoken with a third party. 

This caused my bank account to go negative and cause me additional fees, and stress. I am also newly XXXX  and this did NOT help when I also have new XXXX bills to pay. 

I informed the representative I spoke with today place a cease and desist on my account and note that authorization to speak with my husband is not permitted, because even though he's not on the account, clearly someone disclosed everything for their collections bonus. 


The snapshot details will include the amounts of the transaction, as well as a {$28.00} dollar late fee they informed my husband they would refund to me after that phone call on the XXXX.
Product: Credit reporting or other personal consumer reports

I recently examined my credit report and uncovered fraudulent accounts damaging my creditworthiness. Which i attached in the document.
Product: Student loan

Its has been eight years since i have attended XXXX College XXXX and have had multiple conversations with XXXX XXXX Navient now XXXX XXXX XXXX XXXX who is now the " middle man '' between myself and XXXX XXXX . After agreeing to pay back XXXX $ a month for the foreseeable future i was on my way. I have made about 11 payments in a row with out any problem until my current job ( XXXX XXXX and XXXX XXXX ) did n't pay me for the work i have done. I have not been paid in a month. The situation did n't improve and i had to apply for unemployment. I called my XXXX XXXX stating the situation and they advised me on my options and were helpful explaining Deferment and income based repayment. XXXX XXXX were less then helpful. XXXX XXXX XXXX XXXX explained that they would talk with XXXX XXXX Navient on my behalf to help me in my situation. I was accepted in the interest program with XXXX XXXX XXXX and if i didnt pay they would kick me out. So i received a phone call from my representative from XXXX XXXX XXXX saying that i can stay in the program but have to pay XXXX dollars a month just to stay afloat in the program but i will still be accruing interest. How is this fair that Navient can ask me from money that is technically the governments money? ( because i 'll have to pay it the government ) I barely making ends meet looking for work.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

during the months of XXXX, XXXX and XXXX of 2020 during the pandemic XXXX XXXX those months as 30 days late on my credit report but the cares act law protected my rights and they are violated it. I disputed it with CFPB but they are ignoring the law even though they gave me an accommodation. I have all my paperwork even the one where the made everything current from the time of the late payments. I was never late before the pandemic and haven't been late since. i have called them several times but they keep violating my rights.
Product: Payday loan, title loan, or personal loan

Upgrade initially approved me for a line of credit of {$4000.00}. They have now three times lowered the credit limit due to their predatory monitoring of my credit and my credit score. They have now lowered it again despite the fact that I have never missed a payment. In addition, the account is set to automatically deduct payments from my checking account so there is no reason for them to lower my credit line. Even worse, they will lower it to the current balance each time which is not in good faith. These terms were never stated when I was approved for the account. I am going through a divorce so I am in a difficult financial position so they should not be penalizing me in the first place but certainly not as a result of factors that are out of my control. In addition, they never withdraw that money in a timely manner. It is supposed to be withdrawn approximately on the XXXX but they take many days sometimes to actually make the withdrawal which leaves me in a vulnerable situation because my account could suddenly drop unexpectedly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX ( XXXX ) late payments on an account that I was never late for. 

Consumer Reporting Agencies 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 XXXX XXXX XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

This information is all errors : XXXX XXXX XXXX, opened XX/XX/XXXX XXXX XXXX XXXX, opened XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I had been officially a victim of XXXX XXXX fraud in a XXXX state. Please see attached documentations provided to me by the FTC, Local Police, FBI, US Department of Justice. I hope you will FINALLY respect and consider all these documentations from the law enforcement AGENCIES AT THIS POINT IN TIME.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns with Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit. This lawsuit highlights significant issues with the platform. Zelle has failed to investigate claims properly and recovering lost funds were impossible. The CFPB 's findings indicate that Zelle not only neglected to protect consumers but also allowed repeat offenders to exploit the system and leave us as consumers vulnerable to scams. The lack of transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FLORIDA XXXX XX/XX/XXXX Per the " Fair Credit Reporting Act '' as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 U.S. Code Chapter 94 Privacy 6801 - 6809 Subchapter I - DISCLOSURE OF NONPUBLIC PERSONAL INFORMATION. Effective immediately and indefinitely.

Via PRIVACY ACT OF 1974 ( 5 U.S. Code 552a ).

Via 12 CFR Part 1016 - PART 1016PRIVACY OF CONSUMER FINANCIAL INFORMATION ( REGULATION P ).

Via 16 CFR 433.3 - Exemption of sellers taking or receiving open end consumer credit contracts before XX/XX/XXXX from requirements of 433.2 ( a ). 

Via 16 CFR Part 313 - PART 313PRIVACY OF CONSUMER FINANCIAL INFORMATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint against XXXX, a credit bureau, for its failure to respond within the legally mandated 30-day timeframe and for inaccurately reporting my personal information on my credit report. I believe that these actions by XXXX have infringed upon my rights as a consumer, and I kindly request your assistance in addressing this matter. 

On [ XX/XX/2023 ], I submitted a dispute letter Certified Mail with Return Receipt to XXXX XXXX and TransUnion concerning incorrect personal information. According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to investigate and respond to disputes within 30 days. However, despite the statutory time limit, XXXX failed to provide a timely response, causing unnecessary stress and potential harm to my financial well-being. 
This inaccurate reporting has the potential to negatively impact my creditworthiness and may lead to unwarranted denials for credit and other financial opportunities. 

XXXX did not respond at all within the amount of time according to law nor did they send back the Return receipt. 
XXXX has incorrect Addresses & Phone Numbers Inaccurate. 
TransUnion Phone Number Inaccurate. 

XXXX and TransUnion did respond in timely manor and sent back Return Receipts and also sent back requested information after the diligence of their investigation Along with the dispute letter I sent, was attached a photo copy of driver 's license, and a bank billing statement to show proof. 

I trust that the Consumer Financial Protection Bureau will handle this matter with the utmost attention and diligence. Your intervention is essential in holding XXXX accountable for their actions and safeguarding consumers ' rights. 

Please find attached copies of relevant documents supporting my claim, including proof of my dispute submission to XXXX. 

15 U.S. Code 1681e ( b ) 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 to whom the report relates. 

Thank you for your attention to this matter, and I look forward to your prompt response. Please feel free to contact me if any further information is required. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

Hi- nice to meet you. 

I am reaching out as I frankly don't know what I can do in order to secure my escrow refund ( {$570.00} ) from AmeriSave. I'm extremely concerned as I'm worried this issue will compound as I decided to refinance with a separate bank and I'm owed an additional amount for my escrow refund ( {$3700.00} ). 

XX/XX/XXXX I noticed XXXX stated they had mailed me an escrow refund on XX/XX/XXXX. I never received that check. I called AmeriSave and they said it was mailed though it wasn't marked as cashed. At that point - late XXXX I was told that they would reissue the {$570.00} check. 

XX/XX/XXXX, XXXX I called XXXX back and they stated everything was on track to send a check. 

XXXX XXXX, XXXX I called and asked where the check was and XXXX stated it had been re-issued and I can't check back until 30 days later. 

XX/XX/XXXX, XXXX I called back on XXXX and asked where the check was. At that point I was told that they actually hadn't sent the check ( their notes stated it was reissued but not mailed ) and they would reissue. 

XX/XX/XXXX, XXXX I called back to check-in on whether the check had been mailed. I was told will need to wait 7-15 business days ( from XXXX ) to see if it had arrived. An inquiry was opened on my behalf. 

XX/XX/XXXX, XXXX I paid off my loan to refinance with a different bank. Separately, I received - in the mail- a note saying that an inquiry has been raised on my behalf on XX/XX/XXXX. I call again to ask for either a ) a tracking number or b ) for direct deposit. I'm told neither can be done. 

XX/XX/XXXX, XXXX currently on the phone waiting for a supervisor to help see if a check with a tracking number or a direct deposit can be accommodated. 

I have spoken to countless customer service, supervisors, loan servicing employees of AmeriSave. The best answer I have received as to why they can't direct deposit into the checking account that I use to deposit my monthly mortgage payment is " we aren't allowed to under CFPB laws ''. But nothing I'm reading in CFPB laws states that is a hard stop requirement ( please correct me if I'm wrong ) I'd really appreciate a ) direct deposit or b ) a tracking number or c ) some sort of acknowledgement of the grief they have caused me. I would have invested that money immediately in XXXX and the XXXX XXXX XXXX XXXX is up XXXX % since XXXX.
Product: Debt collection

Miller Stark Klein & Associates are attempting to collect on a debt that was paid over 10 years ago. The debt was with XXXX XXXX  in XX/XX/XXXX, in XX/XX/XXXX XXXX XXXX  sold this debt to a third party. My name went onto XXXX as a result of me not paying this debt. In XX/XX/XXXX/XX/XX/XXXX, I paid this debt with the third party in order to have my name taken off of XXXX. It was the only way to open a bank account again. 

Now, 13 years later, its XX/XX/XXXX now, MSK & Associates is attempting to collect on this debt a second time. I explained to them it was paid in full and that it had to be or I would not be able to have a bank account open now. I've had the same bank account since XX/XX/XXXX/XX/XX/XXXX. 

They claim the debt went back to XXXX XXXX  in XX/XX/XXXX, when that third party debt collector closed. They claim they were just sold this debt within the last 60 days from XXXX XXXX. We conference called XXXX XXXX  and they claim to not be able to trace the debt once it was sold to the third party and that the debt never defaulted back to them in XX/XX/XXXX. 

MSK & Associates will not quit trying to contact me and keep threatening me with legal fees and income garnishment.
Product: Checking or savings account

I deposited a {$190.00} check drawn off the same company on XX/XX/year>. I was informed regardless of the company being able to see that the deposit has cleared and its under {$200.00}, my deposit wont be available until XX/XX/year>.
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 recovering lost funds was impossible, and tracking these transactions was unfeasible. The CFPB findings indicate that Zelle has not only neglected to protect consumers but has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

am filing a complaint against Capital One regarding the deceptive practices related to their XXXX " high yield interest '' savings accounts. Capital One misrepresented the XXXX Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the XXXX Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their Advertised promises. 


I want the CFPB to publish this
Product: Mortgage

I am trying to purchase a piece of land which has an uncanceled deed of trust keeping me from obtaining a clean title. The original loan was taken out with XXXX XXXX XXXX XXXX  ( XXXX, NC branch ) in XX/XX/XXXXand has been succeeded by several banks since. In XX/XX/XXXX the property was refinanced with XXXX in XX/XX/XXXX and the old deed of trust was not canceled.