23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My call was to determine why Flagstar, loan servicer for XXXX was not applying my extra payments to the loan principal like XXXX XXXX  did before XXXX transferred my mortgage to XXXX in XX/XX/2023. To date, and I have proof, XXXX is placing all of my extra payments in suspension. This practice doesnt decrease the loan principal. My regular monthly payment is {$990.00}. Each monthly from the time I took the mortgage out with XXXX XXXX I have made XXXX or more extra payments to be made or applied towards the loan principal. There wasnt any issues with XXXX XXXX applying the extra payments to the loan principal. However, after the loan was transferred or sold to Flagstar/XXXX, ALL of my extra payments have been placed in a suspended account. When I called Flagstar about this problem they first said there wasnt an issue. They later said, during that same conversation that they would reverse those payments and apply them to the principal.they lied and yes, based on their own website, I have documented proof. I want ALL of my extra payments past and future to be correctly applied to the loan principal. Calling them is a total waste of time. Their loan servicing department is their debt collection department. I have NEVER missed a payment. Im actually paying more than most folk via making {$990.00} extra payments to the loan principal. However, XXXX refuses to properly apply those extra payments.
Product: Debt collection

On XX/XX/XXXX an collection was placed on my credit report from credit collection service for an debt with esurance. The account was PAID In full with the original creditor XXXX prior to the collection being placed on my credit report. I immediately contacted XXXX let them know what happened. A supervisor told me they have records showing an email was sent to credit collection service to pull the account from collections notifying them the account was paid in full. I contacted XXXX XXXX XXXX spoke with a representative explain what happened she told me that once they get the information the account will be updated to paid in full with the collection bureaus. I explain that is false representation because you are now implying that an account that should of never been on my credit report was paid in full implying I paid you credit collection services in full which is not true the original creditor was paid in full and the account needed to be deleted. I requested to speak with a supervisor I spoke to an XXXX XXXX or XXXX I provided the time, date, card # she started they will contact Esurance verify the information and once verified as an courtesy the account will be DELETED. I BELIEVED her and we where on an recorded line so please review the recording. Now it's XX/XX/XXXX and I do understand it can take 30 to 45 days for the account to be deleted but the company has been FLAGGING the account as an collection with the credit bureaus every day. Which is causing me to lose points every day they flag the account they supposed to deleted
Product: Mortgage

I wo n't bury the lead ; Wells Fargo lost {$20000.00}. 
In XXXX, I refinanced my mortgage with Wells Fargo and wrapped about {$20000.00} into the mortgage, keeping the line of credit open. ( Credit limit ; {$20000.00} ) Since then I drew {$5000.00} on the account. To my horror, I received a letter two weeks ago that my account was in default, I was over my credit limit and that the balance due was {$25000.00} ( impossible since I had just paid down {$20000.00} ). I assumed this was a simple clerical error that could easily be resolved. However Wells is insisting it wired the XXXX to my title company. Why they would do this I do not know. However, they have been unable to provide a wire transfer number and my title company has not received the money. 
I have spent at least an hour on the phone every day for the past 10 days. The lawyer at the title company has done the same and yet every time we call we get a clueless customer service person who promises to open a ticket. 
This is a most urgent concern since Wells claims I owe {$5000.00} by XXXX XXXX or the account will be in default.
Product: Money transfer, virtual currency, or money service

Coinbase has locked me out my account for weeks. Every time I contact support I get a form email. I have responded numerous times verifying the steps that allow my account to be reactivated. They are fraudulent holding my money and have no one for me to speak to
Product: Credit card or prepaid card

I have created a credit card with CitiBank in XX/XX/XXXX, and have been using it responsibly, always paying the full balance within the statement period. On XX/XX/XXXX I got a notification of fraudulent charges from XXXX XXXX XXXX XXXX and other merchants. I immediately contacted CitiBank Fraud Department ( XXXX ) and asked them to close my card to avoid further fraudulent transactions. They acknowledged, closed the account and sent me a new card. 

On XX/XX/XXXX I received a new notification of more fraudulent activities on the account, before even receiving my new card. At this point I did not have a valid, activated credit card associated with the account. I immediately contacted CitiBank Fraud Department, and asked them to close my card again, and asked for further investigation in this matter. They assured me they remedied the problem and sent me yet another new card. 

This repeated again on XX/XX/XXXX. The representative informed me that there are ongoing charges on the account from XXXX XXXX. I informed him, that I do not have a XXXX XXXX capable device or service, and never associated this card with any XXXX accounts. I asked CitiBank to remove this form of payment and lock my account, to make sure all fraudulent activity stops. At this point the representative locked me out of my online account, and I have not been able to login ever since. 

Unfortunately this repeated more times during the following weeks. I spent hours on the phone between various representatives and escalations. They ended up sending me 4 different cards in XXXX alone, while the fraudulent activity continued without me activating any of those cards, or having access to my account. I demanded account closure and to see my recent statements, to identify and pay any remaining legitimate transactions. CitiBank failed to provide any statements, they claimed it was only available electronically and they did not have access to it. I informed the representative, that CitiBank had previously locked me out of my account on XX/XX/XXXX, therefore I have no access to my account or any statements thereof. She offered to change my next statement to paper format, so I receive it via regular mail. 

I have recently received my final statement, with an outstanding balance of {$1100.00} consisting of fraudulent activities, foreign transaction fees, late payments and interest charges, all of which due to those fraudulent activities. I am supposed to remit this payment by XX/XX/XXXX.
Product: Checking or savings account

I opened 2 CDs ( {$210000.00} total ) over the phone with Marcus by Goldman Sachs on XX/XX/22. On XX/XX/22 I tried to sign into my on line Marcus account but it was Temporarily Locked and I was directed to call them. I called them and was initially told there was a problem with my phone authorization and then was told there was a security issue. After talking with Marcus representatives I was informed my accounts were being closed and the funds immediately returned to my funding source. I called Marcus today ( XX/XX/22 ) to check on when the funds would be returned and was told my accounts were under review. My phone calls with Marcus have been very frustrating. I am XXXX XXXX XXXX and depend on these funds for living expenses.
Product: Debt collection

I have been a victim of identity theft in the 2017 data breach with Equifax and in the new data breach. I have tried multiple times at trying to get proof of validation and I have not received any confirmation letters. I have been denied my rights to receive proof of my signature but havent.
Product: Credit card

My interactions with Chase regarding my credit card dispute have been frustrating and unhelpful. I feel that the representatives I spoke with were not attentive to the details of my case, and their demeanor was discouraging. The charge amount of {$80.00} was made on XX/XX/year>, at XXXX XXXX, and I was supposed to receive a refund of {$50.00}.
Product: Credit reporting or other personal consumer reports

I used an extended month/deferment to pay, and they moved that payment to the end of the loan. However, they reported to the credit bureaus that I made late payments, and this is not true.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX PM XXXX Inquiries XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX XXXX  has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

XX/XX/XXXX/XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Those accounts are not belong to me or any transactions made by me. 
Please remove as soon as possible.
Product: Credit reporting or other personal consumer reports

THE METHOD OF VERIFICATION TO YOUR COMPANY, THIS LETTER MAKES IT CLEAR THAT I AM NOT DISPUTING ANY ACCOUNTS. 

THIS IS NOT A REINVESTIGATION OF THE ITEMS I DISPUTED IN MY PREVIOUS DISPUTE. DO NOT OPEN A REINVESTIGATION. I REPEAT, DO NOT OPEN A REINVESTIGATION ) ( I DO NOT AUTHORIZE NOR DO I WANT ANOTHER REINVESTIGATION ) ( I REFUSE ANOTHER REINVESTIGATION ) ( THIS IS NOT ANOTHER DISPUTE. I DO NOT WANT ANOTHER DISPUTE ) ( I NEED THE METHOD OF VERIFICATION/DESCRIPTION OF REINVESTIGATION PROCEDURE FOR EACH INDIVIDUAL ACCOUNT LISTED THAT YOU SAID WERE UPDATED AND VERIFIED ) 1. I AM REQUESTING THE PHYSICAL DOCUMENTATION ( WITH MY SIGNATURE ) AND ALL OTHER DOCUMENTS THAT YOU HAVE ON FILE THAT DETERMINES THAT THIS INFORMATION IS 100 % ACCURATE & CORRECT IN REPORTING ON MY CONSUMER REPORT AND SHOWING THAT I HAVE A LEGGALLY BINDING CONTRACUAL OBLIGATION TO PAY THEM. ( DO NOT SEND SCREEN SHOTS, THEY CAN NOT AND WILL NOT BE ACCEPTED ) 2. WHO DID YOU INTERVEIW REGAURDING THE DISPUTED ITEMS AND ACCOUNTS? ( NAMES OF THE PERSON OR PERSONS AND WHAT POSITION THEY HOLD IN THE COMPANY ) 3. THE DATE AND TIME YOU TALKED TO THAT PERSON WHO GAVE YOU THE INFORMATION AND WHAT DID THEY GIVE TO YOU? 
( YOU HAVE 15 DAYS TO SEND THIS TO ME. 


YOU HAVE 15 DAYS TO GIVE ME THE METHOD OF VERIFICATION THAT IS REQUIRED UNDER THE FCRA FOR EACH ACCOUNT LISTED. 

( XXXX XXXX ) ( XXXX XXXX  )
Product: Credit reporting or other personal consumer reports

To whom it may concern,, I looked at my report. I sent a letter to Equifax asking them to reinvestigate these accounts : XXXX XXXX, they sent me their investigation and said these accounts are complete and accurate.

I looked at my report and noticed everything is still the same..

and according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report 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.

And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- the person has been notified by the consumer, at the address specified by the person for such notices, that specific informatin is inaccurate; and ( i ) the information is, in fact, inaccurate. 
Equifax really did not reinvestigation they lied on an official document saying they did something they did not do and I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

SYNCBWALGREENS 12/06/2022
REGIONAL ACCEPTANCE 08/24/2022
CONSUMER PORTFOLIO SERVI 08/24/2022
CAPITAL ONE AUTO FINANCE 08/20/2022
TOYOTA SCION OF TAMPA via NCCTOYOTA SCION TAMPA B 03/05/2023
CB INDIGO 02/09/2022
ONEMAIN FINANCIAL 02/05/2022
SYNCBMAZON 12/13/2021
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX XXXX XXXX for their failure to adequately validate and verify an account listed on my credit report. This complaint concerns violations of my rights under the Fair Credit Reporting Act ( FCRA ). The details of the account in question are as follows : XXXX XXXX XXXX XXXX Balance Owed : {$380.00}
Product: Other financial service

First off, the money is not lost or stolen. It was damaged and I possess what is left - about 75 % - enough to read the amount, who it should have been paid to, my address, most of my signature, the routing and numbers on the bottom, and where I purchased it from. 

The money order I purchased to pay my rent was returned to me by the US Postal Service with an apology for damaging my mail. I took my purchase receipt, the money order receipt ( bottom portion ) plus what was left of the money order and the USPS enveloped back to the place where I purchased it but they were unable to replace it. I called the Western Union customer service number and spoke to XXXX who proceeded to inform me that I needed to fill out the back of the money order receipt, include {$15.00} payable to them in a personal check and then wait 60 days. Why? I do n't want a refund. I want them to take the damaged money order I paid cash for and replace it. I do n't want a stop payment. I do n't have 60 days to wait and my landlord wo n't wait. Today, I have accrued {$80.00} in late fees. To say I 'm on a budget would be an understatement on a grand scale. 

XXXX put me on hold while he went and found his supervisor. Then when he 'found ' his supervisor and transferred the call, well I waited on hold for 30 minutes before hanging up. 

Bottom line here, Western Union was paid for a service with cash. They are now collecting interest by withholding my funds and want another {$15.00}. Not acceptable by any means.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX,, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX  XXXX XXXX : {$0.00}, XXXX XXXXXXXX XXXX XXXX : {$980.00}XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$330.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$620.00}, XXXX XXXX Balance : {$110.00}, XXXX XXXX Balance : {$0.00}, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Pleaseremove these files. 
INACCURATE NAME 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX {$270.00} XXXX   XXXX {$190.00} XXXX XXXX XXXX {$830.00} XXXX   XXXX {$300.00} XXXX XXXX XXXXXXXX XXXX {$1000.00} XXXX XXXX {$1900.00}
Product: Debt collection

This last communication from this company said they would submit to the credit bureaus that the accounts are in dispute ... I contacted each bureau who said the account Action Collection Agency is reporting is NOT in dispute by them. So again this company is lying.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX Ally Auto XXXX tried to debit over {$3000.00} out of my account instead of {$660.00}, my normal payment. After XXXX contacted me about the unusual amount trying to be debited from my account Ally Auto has insisted that I have been behind in my payments. Ally has stated that since XX/XX/XXXX I have not been paying within the 30 day thresh hold but yet and still my online mobile account shows payments for each month, late but paid. 
There was a question about a returned payment for XX/XX/XXXX. After sending the bank statement ( redacted ) which displayed the payment was available and withdrawn by Ally Auto, my credit report has been tarnished drastically by Ally Auto stating I am 4 months behind. I have all of the payment receipts and bank withdrawals. 
There were times when Ally would debit the account due to autopay before my direct deposit was there and the bank would not honor the payment. I would manually make the payment the same day later in the afternoon and Ally would resubmit the payment through the bank and it would come back as insufficient because I would have made the payment manually.
Product: Credit card or prepaid card

On XX/XX/XXXX my bill did not go through account with 1 missed payment. I am kindly requesting PNC BANK, NA ( Opened XXXX XXXX, XXXX ) to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me
Product: Vehicle loan or lease

My lease started on  XXXX   XXXX  and it was supposed to end on  XXXX   XXXX  bu t GM Financial took me to collections o n  XXXX   XXXX  and my lease was only 10 days past due. I am the only person with an account with them that has been taken to collections and I was only 10 days past due not 40 days late they also extended my contract they state my next payment is due  XXXX  and I only had a 24 month lease contract.Is that legal I have signed documents stating when my contracts begin and end.