23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Mr. Cooper purchased my mortgage from XXXX XXXX and failed to pay/renew my homeowner insurance policy. My insurance was then cancelled for non-payment, even though my insurance is escrowed/included in my mortgage payment. Mr. Cooper even increased my mortgage payment to cover the increase in the homeowners insurance policy based on the escrow analysis conducted in connection with the mortgage purchase. 

My policy expired XXXX  and I just found out XX/XX/XXXX. This left my property uninsured in the interim, which is a risk to not only me, but Mr. Cooper. Mr. Cooper has put a customer service process in place to purposely make it cumbersome and nearly impossible to speak to a live person to rectify the issue they caused. When I finally spoke to a person, she was inept and rude, and failed to keep her promise to call me back or resolve the issue. 

Mr. Cooper via letter and automation is threatening to force place insurance even though they failed to uphold my contract, which includes an escrow for the homeowners insurance. I've done all the leg work and need Mr. Cooper to overnight payment IMMEDIATELY to my insurance company for reinstatement. 

I caution any consumer to not do business with Mr. Cooper. Their internal controls are nonexistent and their customer service is horrific.
Product: Debt collection

This is regarding the Reverse Mortgage that we have tried and tried to resolve. We were never notified that they were paying any property charges but they paid them ahead of time. Now, they have filed a foreclosure action in the county court and we have asked and asked how much we need to pay to cure the default and nobody can tell us! Every time we call, XXXX  tells us that it is under review. They first tried to tell us that we owed {$3800.00} but I looked at the itemized statement that we have tried to get since they first told us we were in default and that was in 2018 and I argued it then. However, nobody would send me the itemized list. Now that I finally got the itemized list, I was right. The items are things like a line of credit and loan set up fee. One item is property tax that we were not notified they were paying. Then the next loan servicer just picked up where they left off and started paying property taxes early with no notices or anything. I asked for an itemized list of those with receipts. They told me to go get the receipts myself and of course their itemized list is not correct. I call them and they say it is under review. The debt collector is aware of the problem as we filed a motion to dismiss in court. They have charged attorney fees and inspection fees to our balance and nobody responds to our requests to information so we can cure the default. They have not followed the HUD guidelines in any way and we are not getting any assistance at all. How can we pay off something that they don't even know how much it is. It should have never been called due and payable. They have put us through XXXX for nothing. Nobody would listen when I tried to tell them the previous servicer was incorrect when they said we did not pay our hazard insurance. The new servicer refunded our hazard insurance a year later but still called our loan due and payable. Wouldn't they see then that it was not due and payable? Why would they not then tell us the balance we owed so we could cure the default but instead kept doing drive by inspections and charging us. I even wrote the debt collectors a letter and told them that XXXX XXXX lost her job because of covid and they did not even respond or tell us we had a moratorium or anything. They just did not answer at all. We never heard from anyone. There was no attempt for a face to face meeting or anything. They just keep trying to have a foreclosure court date and make us pay the whole amount in court without giving us the ability to cure the default because they can ; t tell us what the default amount is. I have called many many times and sent numerous e mails.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed XXXX XXXX XXXX XXXX in the amount of {$940.00}, this is not my account it is a fraudulent account I never authorized. Transunion never Provide wet signature that I requested to verify account, per FCRA section 609 if account can not be verified and provide wet signature contract account should be deleted
Product: Debt collection

I sent a cease and Desist letter months ago, and they incessantly call from their own number as well as multiple voip numbers, that when googled, always comes up with their company name. Every spam filter and robo call website that lists their multiple fake numbers is littered with comments from multiple consumers complaining about the same issues I'm having. 

Despite being told that I have no business with them and to stop calling, I also sent a cease and Desist, they stopped for XXXX month and are calling AGAIN from the voip numbers. 

They have called before, during, and after business hours ( XXXX XXXX  ), and on weekends. They have been sued many times and there are many, many complaints about their deceptive contact practices.
Product: Consumer Loan

My muturity was fulfilled as of XXXX XXXX, at this time i assumed my obligation had been fulfilled and would be due my title. I called in to discuss my title and at that time the representative stated i only owed $ XXXX++ in fees in which she also put in a request to have {$150.00} of that removed. I assumed this would be the amount to receive my title. Upon calling Santander about a statement i received after i had reached the muturity date stating that I owed an additional $ XXXX+ in order to receive my title, i was told it was interest and fees from deferred payments. This is absurd due to the fact the additional months of deferred payments had already been added and paid. The representative continues to try to explain their procedures of adding on these astronomical amounts for deferment even if you have paid for the deferments which only charges $ XXXX+ or less for the deferment. I have been paying on my car since XX/XX/XXXX at the amount of {$500.00} per month with an absurd interest rate. Even though I have had medical issues during this time i struggled to make payments and was excited to finish but to no avail. Santander has clearly misrepresented their intentions and consumer is not given a clear explanation of risks of deferments. They have ruinef credit after struggling so long to bring my score up as they are reporting delinquent and late because I do n't owe this amount. If a consumers statement says a certain maturity date they should adhere. This is unethical practices, please help.
Product: Debt collection

I have a collection/ charge-off account on my credit report with XXXX , XXXX  & XXXX . The Account is with NCC Business Services in the amount of {$850.00}. I am not challenging the validity of the debt. The debt has been paid, and I can provide a final payment statement showing {$0.00} balance owed. However, I never received any written communication about the debt, before it was placed in collection and added to my credit file with all 3 major bureaus. I asked NCC Business Services to  request the credit record be deleted from my credit file, due to the fact the debt is paid, and I was not provided with any communication about the debt until I saw it on my credit report. Their response was that they sent letters. I never received any communication from them, and therefore did not have the opportunity to fulfill my obligations before the debt was reported. I would like NCC to provide proof of contact, or I ask that the file be deleted from my credit report with XXXX, XXXX, and XXXX.
Product: Credit card

I submitted a complaint regarding the below earlier this year and received a response to send the receipt of the replacement phone I purchased legitimately. Upon sending the receipt they said the claim was denied because I already sent the document, which is what I told Discover but they still requested I provide the receipt. Every time I have spoken with Discovers fraud team I am met with inconsistent advice and instructions that have only delayed this process and significantly hurt my credit score. I had never missed a payment prior to this incident and was instructed not to pay the balance as it looked to be an obvious decision and now it has been over a year that this has weighed on my credit history and Discover has done nothing to improve the situation accept offer a {$100.00} credit to compensate for a {$1500.00} fraudulent charge that has been accruing interest for a year. They are consistently unresponsive requiring over a month to respond to any documents I provide and when I left a message for the individual who responded to my previous complaint I received no response. 

My phone was stolen and hacked in XX/XX/2023 and used to purchase items at an XXXX XXXX XXXX XXXX XXXX using the credit cards I had on XXXX XXXX at the time. Discover initially removed the charge from my balance as fraud but ultimately completed an investigation to conclude it was not fraudulent and added the transaction back to my balance. I have spent the last XXXX months disputing this charge speaking with several representatives and sending additional support after each interaction in full cooperation with Discovers policies. This support includes ( XXXX ) evidence I purchased a new phone, ( XXXX ) the email from Discover asking to confirm a separate transaction on the same day with the same merchant but a different amount that they suspected to be fraud to which I confirmed the charge was fraudulent and cancelled my card, they did not send a notification asking if this transaction in question was fraudulent ( XXXX ) evidence of my other credit card concluding a similar purchase from the same vendor on the same day was fraudulent ( XXXX ) evidence I boarded a flight to XXXX prior to the transaction date and evidence I boarded the return flight after the transaction date ( XXXX ) evidence of my credit fraud reports submitted to XXXX, XXXX and XXXX ( XXXX ) evidence an XXXX XXXX was opened using my stolen phone without my knowledge and the closing of that account and XXXX and XXXX XXXX conclusion of fraud. As well as numerous additional forms of evidence requested by the representatives to support my case. With each interaction I was assured the additional evidence would prove my case and I should not need to pay the balance as it will swiftly be resolved. Today I was greeted with disrespect and accusations and the representatives bluntly informed me there is nothing I can do and that I am fully responsible for this fraudulent charge regardless of the evidence I have submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

My truck got totaled out. Was purchasing a new one. Old account with Westlake was paid by XXXX XXXX. Still being reported on my report. Rep did a hard pull and I expressed XXXX had already done it. Rep said it was nit a hard pull it was a soft pull but showing up on report as hard inquiry. They initially denied my new application based on my income that is more than what I had at the start of previous account. Was in good standing and had to verify identity in the same way multiple times due to lack of communication in the company. Even contact CEO XXXX XXXX who had his assistant call and threaten me that Id not be able to get the loan. My fianc who is new to westlake had to do none of that. They treated me horribly during this transaction and I have been nothing but a great customer who pays on time every month. As a victim of identity theft its scary giving your information to people you dont know. They even had me send my social security card and photo ID in a text to the dealer. Our plates came and went to an XXXX didnt give the dealership or westlake as a current address. They reported the wrong address and personal information to XXXX as well as others. XXXX XXXX doesnt mean to treat people like theyre a XXXX human. I also have a XXXX so this really took a toll on my mental health
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : 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  Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.
Product: Debt collection

Made 3 payments to XXXX XXXX : Ck XXXX {$75.00}, Ck XXXX {$40.00}, online payment {$33.00}. The remaining balance reflects a XXXX   balance online. I recently received a {$100.00} bill from a collection agency. I contacted the collection agency who suggested calling XXXX XXXX, so I did. While speaking with an agent regarding the matter the call was disconnected. I called back requesting to escalate the call to a manager and was given a different phone number that belonged to the collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Advantage student loans is on my report twice called the company and they have no records under my name or social they told me to call the national student loans called them they have no records of any student loans on my name either the first one on my report is for {$3900.00} it has no monthly payment on in and both where open the same day please help me remove this from my report thank you so much
Product: Checking or savings account

On XXXX XXXX, XXXX, I noticed an unauthorized debit to my account of {$250.00}. I notified the bank that this was an unauthorized charge and to return the money to me. They also confirmed to me verbally that they immediately had flagged the account to not allow any further debits to this bank account. In that I knew my monthly health insurance charge would probably debit from the account, I notified the bank about this in writing to allow that charge particular charge to go through. At that time I had enough money in the account to cover this charge. I also filed a claim, per the bank 's instruction to get the {$250.00} back. 

Then on XX/XX/XXXX through the XXXX I noticed that additional debits to this same account had been allowed by XXXX Bank. Other than the health insurance charge that I had expected and allowed, the other charges were still in question. I called them repeatedly asking why they allowed further charges to go through since the account had been flagged a week before. No one at the bank has been able to identify who they paid these XXXX charges to totaling an amount of {$1000.00}. The only comment on my statement against each of these XXXX charges is notated as " Check or XXXX XXXX ''. I have called XXXX Bank in XXXX, CA. several times since then, as well as the XXXX Bank Customer Service, and no one can tell me who this money was paid to. As of today, XX/XX/XXXX, XXXX Bank XXXX Customer Service told me on the phone at XXXX, that they could see that the account had been flagged at the end of XX/XX/XXXX to not allow any further charges to go through, however, since XXXX Bank has closed the account effective XXXX XXXX, XXXX, they can not explain who the money was paid to. 

To make matters worse, because this is a sole proprieter business account, the bank told me that they can not do anything about the original claimed debit of {$250.00}, AND that even though I have spent an average of XXXX hours/week for the past XXXX weeks following up on the XX/XX/XXXX unauthorized debit, and questioning these XXXX unknown additional charges in XX/XX/XXXX, no one at the bank has escalated the problem to determine why they allowed further debits to go through on my account after XX/XX/XXXX, even though the account was to have supposed to have not allowed further charges to go through. 

On top of these issues, they actually closed my account and charged off an amount of {$430.00} against me, which will wind up going to collections and negatively affecting my XXXX XXXX. This entire situation is Outrageous! I really don't know what to do to get my money bank that the bank took out of my account. I guess I will go ahead and make a XXXX XXXXeport about this, but I need the CFPB 's help to get me answers and my money back. Please XXXX XXXX Copy of XXXX Bank XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX account opened on XXXX after I placed a fraud alert on XXXX XXXX balance I dont have a car financed and I live in TX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid down these accounts XXXX I have disputed all of them on XXXX, capital one has updated, but did not reflect on the other two credit bureaus. 

Capital one reported balance is XXXX actual balance is XXXX XXXX reported balance is XXXX actual balance is XXXX XXXX reported balance is XXXX actual balance is XXXX
Product: Bank account or service

I opened a Citigold checking account under the promotion XXXX which provides XXXX XXXX XXXX miles when completing requirements of an initial deposit and 2 consecutive months of using their bill pay system to pay a credit card. After 90 days from satisfying their requirements, which I fulfilled on XXXX/XXXX/16, the bonus will post. I have messages from Citi confirming my enrollment in the promotion as well as completing the requirements however now they are refusing to give me the miles.
Product: Credit reporting, credit repair services, or other personal consumer reports

What happened is that I had disputed multiple times with Innovis about the missing payment history and the incomplete account number on account with XXXX XXXX, They had reply with totally ignoring my dispute and making illegal updates on this account
Product: Debt collection

Credittech is still trying to collect {$1700.00} on a medical debt that wasfor a procedure for my son  XXXX   XXXX  on  XXXX   XXXX ,   XXXX  . After trying to fight this medical collection with credittech because I do not owe this money I need help. My credit has suffered greatly. I contacted my insurance company to see why this was not paid and they informed me that the bill they received showed a 100 % provider discount with no money owed. This debt therefor is not valid and I have suffered because of it. Attached is the explanation of benefits that was provided to me from my insurance company.
Product: Checking or savings account

My checking account was compromised for {$14000.00}. It was cashed, and the check was obviously fake # '' XXXX, and was signed by the person who received the cash who was not on the account. This amount is also very out of my norm and should never have gone through.
Product: Credit reporting or other personal consumer reports

See attachment : In the three attached credit files ( EquiFax, XXXX, XXXX ), you will find alleged inquiries both 'hard ' and 'soft, ' and alleged accounts that are vehemently unlawful pursuant to Title 15 U.S. Code , Chapter 41 1681 ( b ) 1681 ( i ) and in violation of The Truth in Lending Act ( TILA ), Title 15 U.S. Code 1601 et seq. and specifically 1635 ( a ).

These alleged inquiries, both 'hard ' and 'soft, ' and alleged accounts also are non-conformant with the Metro 2 Format outlined in your own Credit Reporting Resource Guide ( CRRG ), 2020 et seq.
Product: Checking or savings account

On or about XX/XX/XXXX, I received a notice from Fifth Third Bank that my checking account had gone into overdraft and that funds had been taken from my line of credit to cover the overdraft. 

This did not make sense so I looked at my account online to see that Fifth Third had processed check # XXXX that I had written in XXXX, XXXX for {$140.00} and had cashed it for {$15000.00}. A copy of the check is attached. I immediately went to the bank and meet with XXXX XXXX, my personnel banker. 

XXXX XXXX told me that the check had been probably stolen from the USPS and altered and that Fifth Third had cashed it for the forged amount of {$15000.00}. XXXX XXXX had me sign numerous documents and told me that my money would be returned to my checking account. He told me it would probably be returned sooner but no longer than 180 days. I told him this was ridiculous as Fifth Third had cashed a check that was obviously fake and that this was not acceptable customer service. 

I continuously followed up with XXXX XXXX until early XXXX. He kept giving me the run-around and telling my money would be returned soon as I am a Preferred Customer. I told him that if this is the kind of service a preferred customer receives, I can not imagine the kind of serve a regular or poor customer living on social security would receive. As a XXXX  person, I believe that Fifth Third is engaged in elder abuse. 

I asked to speak to someone higher up in the bank but XXXX XXXX told me that his boss or the people working on my problem. He indicated that they were not customer facing employees. Then on XX/XX/XXXX, XXXX XXXX told me that he had talk to the XXXX Collection department, the compliance officer, and his boss. He said we need to start over again and that I need to sign a new packet and start the 180 day process again! 

Again, he indicated that I could not speak to his boss or to anyone with more authority at Fifth Third. 

After numerous unsatisfactory calls and meetings with XXXX XXXX I went to the XXXX XXXX, Ohio Police Division on XX/XX/XXXX and completed a police report that is attached.