23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/XXXX the loan in dispute was transferred to Nationstar Mortgage from XXXX XXXXXXXX XXXX. In XXXX of XXXX I had gotten a loan modification from XXXX XXXX XXXXXXXX. I made every payment of that loan modification and continued to make the payments when Nationstar took over the servicing of the loan but Nationstar sent my checks back to me and would not apply them to the mortgage. I have all of the cleared checks which were cashed by XXXX XXXX  XXXX and sent those to Nationstar many times. I don't know how they could say that when they took over the loan servicing that I was behind in the payments of the mortgage when XXXX XXXXXXXX XXXX cashed all of the payments. Where did those payments go? I have never been able to find out. Several attorneys and a fraud investigator looked at their accounting and said it made no sense. I could not figure it out either. That is why an audit is needed from a neutral XXXX party. Who is going to pay for that audit? Nationstar should pay for the audit since no one can make sense of their accounting that they send out. XXXX XXXX of XXXX XXXX XXXX will do the audit but wants to be paid. I am paying attorneys fees and my attorney wants Nationstar to pay for the audit. 

I now have a company called XXXX XXXX XXXX XXXX XXXX helping to put the loan modification documents together and they have submitted them to Nationstar. Even though I signed an authorization allowing XXXX XXXX to speak to Nationstar on my behalf, Nationstar has refused to communicate with them. They are sending letters to my attorney instead. I should not have to pay my attorney to deal with the loan mod or Nationstar 's letters. XXXX XXXX does not charge for their service so why can't Nationstar communicate with them? The CFPB should investigate this matter as if they are doing this to me, no doubt they are making it difficult for many other people who are trying to get a loan modification. 

In addition, in one of the letters that was in their response to the last complaint I filed with the CFPB they said that the XX/XX/XXXX trustee sale has been put on hold. If that were true, then they would take the sale off of xome.com, a web site owned by Nationstar that advertises the trustee sales of property. My property is still on that web site listing a sale date of XX/XX/XXXX. I do not trust Nationstar as what they say does not always follow what they do. They have said things in the past and done something totally opposite so how can I trust anything that they say in a letter which they are sending in response to a complaint to the CFPB.
Product: Credit card or prepaid card

I was the victim of fraud on XX/XX/XXXX. An individual stole my mail and intercepted my new, unactivated Discover card, and then called on the XXXX around XXXX XXXX PST to Discover trying to activate it. The individual eventually succeeded and spent about {$1300.00} on the card. 

I discovered this fraud when a representative called me a couple days later asking about the charges. I went through each charge with the representative and verified or denied the charges. The representative then informed me this fraud was resolved and that I would not be responsible for the charges.

However, I received a call from the Discover Fraud department last Friday asking for additional documentation to assist the investigation - specifically, records from XXXX. I attempted to procure the documents but was told repeatedly from XXXX that for legal reasons the documents could not be provided. 

On Tuesday, XX/XX/XXXX, I spoke with an individual named XXXX from the Discover Fraud unit around XXXX XXXX. I believe he said his supervisor was named XXXX or XXXX. When I informed him that I was unable to get the documents from XXXX, he informed me that my inability to do so might result in the " investigation not being found in my favor '' and that I might be " rebilled '' for the charges. He said those exact words repeatedly, multiple times. 

Discover has a written policy called " {$0.00} Fraud Liability Guarantee, '' stating that a customer will never be responsible for " unauthorized charges, '' which is defined as transactions not completed or authorized by customer. I clearly went over the charges with a Discover representative and verified every charge. I do not believe I am in the wrong here, and in fact believe Discover should be held liable, as they authorized this individual to use my card without my consent. They still have not been able to tell me how exactly this individual was able to activate my card. The policy clearly states that I will not be held liable for unauthorized charges, and yet the Fraud department, specifically XXXX, stated that I might be responsible if I could not provide additional documentation. 

I was extremely upset from this interaction and called Discover back, wishing to file an official complaint and close my account. I spoke with someone named XXXX from Fraud, who apologized and stated that the policy was indeed accurate and that XXXX had spoken incorrectly. 

I was quite shaken from this incident, as I had already had my phone and credit card compromised, and Discover was not only making me feel as if the burden of proof was on me, but was also telling me information directly contradicting their written policies and marketing. 

When a company advertises a policy on their website with big letters and explains it in detail in the FAQ, one should expect the policy to be upheld and even promoted. And yet the interaction with XXXX from Fraud left me feeling lied to, disrespected, and embarrassed. I was made to feel like a criminal, when in fact I believe Discover committed the error by somehow allowing this individual to bypass their " security '' and activate this card without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  continues to report to credit agencies I was l ate in 2015.   My loans should have been in deferment as i was in school and the months that followed.     Since I have paid a substantial amount of the loans off and pay every month. They have told me they were removing the late payments from my past but never have. I have also reported this to credit agencies yet they are not able to correct either.     My record should not show any late payments as i have perfect credit.     If this does not work, I am going to find an attorney
Product: Money transfer, virtual currency, or money service

Please refer to CFPB Case # XXXX. In the third paragraph of the letter dated XX/XX/18 which a copy was provided to you XX/XX/18, the funds went to XXXX. I specifically entered XXXX. The area code listed by Wells Fargo is incorrect. At this point I would like for Wells Fargo to refund the {$200.00} listed in the letter to my account. Thank you.
Product: Credit reporting or other personal consumer reports

Thank you for your update regarding my complaint. While I acknowledge that the account has been marked as closed, my request was for its complete removal from my credit report, as the information is inaccurate and negatively impacting my credit score. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is inaccurate, incomplete, or unverifiable. Since this account should not be reported, I am requesting its immediate deletion from all three credit bureaus ( Experian, Equifax, and TransUnion ).

Please provide confirmation of the removal or clarification on the next steps to resolve this matter promptly. I appreciate your cooperation and look forward to your timely response. 

Best regards, XXXX XXXX
Product: Mortgage

I have two complaints. 

( 1 ) I refinance my loan with Freedom Mortgage with another company. The new mortgage company paid my loan off on XX/XX/2020 and everything settled on that day. It is now XX/XX/2020 and I have yet to receive my Escrow refund or the refund for over-funding of the loan as I had to make 1 extra additional payment before the loan funded. Freedom Mortgage has not provided refund for my escrow and the over-funded amount within 30 days of the settlement. I have contacted them with no response. 

( 2 ) Freedom Mortgage charged me a {$30.00} fee 5 times for a payoff request from XX/XX/2020 - XX/XX/2020. This is absurd and I have asked for evidence for each request. I have not received any reply from Freedom Mortgage about these gross overcharges.
Product: Mortgage

I have contacted multiple financial institutions and most of the time I am told that principle payments do not reduce interest charges in the following month. I am told not to pay on principle since doing so will only shorten the loan duration but not the interest charges in the following month. 

This complaint is specific to Capital One. I was told by multiple licensed employees that principle payments do not reduce scheduled interest charges in the following month and discouraged extra payments. I eventual pushed the issue to the fourth level of management who stated correctly that principle payments do reduce the following month interest charges. They stated they would provide training to their employees. I stated I would call after XXXX month and ask the same question to see if the training was effective. 

Today, XXXX/XXXX/15 at XXXX XXXX, I called XXXX XXXX XXXX. I asked " If I pay an extra {$10.00} in month XXXX, will the interest charge in month XXXX drop by a few cents? '' He replied no. He said the interest charges would be the same as though no principle was paid and only the length of my loan would be reduced. He clearly failed my test and when I asked to speak to management I was told there was none available, then transferred to a voicemail. 

I have spoken to many people in the industry and it sickens me that so many actively discourage early pay off and additional principle payments. They lie to prevent early pay-off and this costs consumer XXXX of dollars. over the life of the loan.
Product: Credit reporting or other personal consumer reports

Credence Resource Management ( CRM ) has reported a derogatory account of {$490.00} on my credit report, and I was never notified of this debt before it appeared on my credit report.

I have initiated multiple disputes, addressing the failure to notify me of the debt and the lack of proper time allowed for disputing inaccurate information. Despite informing XXXX and Experian of these violations, they persist in conducting automated investigations and refuse to comply with Fair Credit Reporting Act ( FCRA ) Regulations. 

On XX/XX/XXXX, I filed a complaint against CRM with the XXXX XXXX XXXX XXXX XXXX XXXX. Several weeks later, on XX/XX/XXXX, XXXX updated the balance to {$320.00} in response to my complaint. This swift adjustment suggests a lack of thorough investigation by the credit bureaus and indicates CRM 's uncertainty about the accurate debt amount.

In my reply to CRM on the same day, XX/XX/XXXX, I asked for concrete proof of debt notification and validation. They claimed to have " no record of that letter being returned undelivered and no record of me disputing the debt or requesting validation during the XXXX period. '' It's unsurprising that they have no records, considering they never sent anything. What record could they possibly have? If you sent it by certified mail, why are you unable to provide the receipt? 

However, their response on XX/XX/XXXX failed to offer any evidence of notification, lacking a certified mail receipt or any supporting documentation. Instead, CRM provided a validation of debt that contradicted the amount reported just eight days earlier ( See supporting Evidence ). 

Despite previous disputes that returned as verified, Experian failed to update the status to " in dispute. '' It is apparent that the debt was not {$490.00} nor was it {$320.00}. As of XX/XX/XXXX, an additional {$130.00} has been removed, reinforcing the assertion that the debt is neither accurate nor valid, as previously outlined in disputes that were disregarded ( See Supporting Evidence ). 

Additionally, Experian 's failure to update the status to " in dispute, '' despite multiple investigations they claim to have conducted, and the reporting of the date of last activity in different years for both XXXX and Experian further solidify that none of the involved parties are performing any meaningful investigation or verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a second mortgage with XXXX XXXX XXXX in 2006. The home was illegally foreclosed on and charged off years ago. Now XXXX XXXX XXXX just started reporting late payments on my credit again as if the account is re-opened. They just reported me 120 days late and dropped my scores. XXXX XXXX XXXX also re-aged the account.
Product: Payday loan, title loan, personal loan, or advance loan

This company sold my account after stating it was a charge account. Having a third party also reporting to the credit bureau. Making my credit report have a double of the same account and with different amounts. I did not give permission to any third parties to get a copy of my credit report. This was done illegally according to the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I just turned XXXX on XX/XX/2018. I checked my credit 2 months after I made XXXX and noticed a collection on my credit report. I have never had any credit beside my mom credit card. This company Convergent is saying I owe money to XXXX from 5yrs ago. 
This is not possible because I was XXXX at the time. I disputed the charges and its still reporting on XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, which has resulted in multiple fraudulent entries being added to my credit report without my knowledge or consent. XXXX Unauthorized accounts and an inquiry have been placed on my report, and I did not authorize any of these actions. 

- Inquiry : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have already reported this identity theft to the Federal Trade Commission ( FTC ) and now request the immediate removal of these fraudulent items. This action is necessary to restore the accuracy of my credit report.
Product: Money transfer, virtual currency, or money service

Im a victim of a fraud. An unauthorized transaction made in XXXX XXXX account using all my informations. Charged notice in my bank account of {$450.00} on XX/XX/2018. XXXX XXXX stated transaction was valid. Its not true, my informations in my account in XXXX XXXX was stolen.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, XXXX  XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The first time the rep called me I politely asked them to send me only paper mail regarding this matter but they continue to call consistently.
Product: Debt collection

15 USC 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. If proper validation of this alleged debt is not provided within 30 calendar days of receiving this notice, I will assume this alleged debt to be invalid and you shall delete this account and stop all collection activities regarding this account. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter.

This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above-named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. 
Provide under Rule 1002. Requirement of the Original An original writing, recording, or photograph is required in order to prove its content unless these rules or a federal statute provides otherwise.

Furthermore, you shall cease all verbal communication. No phone calls, no text messages, no social media contact, no ringless voicemail contact, no email contact, the only communication must be through the UNITED STATES POST OFFICE, to the Claimant.

At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major Consumer reporting agencies, such as, XXXX, XXXX and XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of Claimant consumer reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) This debt is considered to be invalid until I receive proper validation and your offices provide Claimant with proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation in accordance with FTC guidelines. During this validation period and proof of claim, if any action is taken which could be considered detrimental to any of Claimant consumer reports, said action will be considered a dishonor and cause the self-executing contract portion of this notice to be implemented. This includes any listing any information to a consumer reporting repository that could be inaccurate or invalidated.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXX  XXXX XXXX Balance : {$400.00}, XXXX  XXXX XXXX Balance : {$440.00}
Product: Credit reporting or other personal consumer reports

This inquiry was pulled by the company without my permission and it has been affecting my credit scores. I am stressed out as this is not authorized.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 my coinbase account was hacked. There were a number of abnormal changes to my account that occurred, including but not limited to : a new out of country ( XXXX based phone ) phone was added to my account, a new authenticator app, and a new password. During this time, the cash I had in my account was converted to crypto and sent out. When I realized what had occurred I reached out to coinbase. It took me, over 24 hours and photo authentication to get into my own account. Following this, I have not been contacted by anyone to discuss the specifics of my case. Over {$85000.00} was taken from account.
Product: Vehicle loan or lease

Today XX/XX/XXXX my truck was repod only being couple months behind and down-payment was XXXX when I got truck then they charged me for insurance on laon when I have full coverage insurance always
Product: Credit reporting, credit repair services, or other personal consumer reports

I have applied for credit loans and the creditor was unable was unable to get credit score from XXXX. I want an investigation as to why XXXX  didn't give Creditor my Score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -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 XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Bank account or service

My savings account was opened on XX/XX/XXXX and closed on XX/XX/XXXX. I was not notified of this closure. I called and asked why and was told that the account was at a 0 balance for XXXX months. I advised that the account had not even been open XXXX months, and the bank changed their answer to say that they had a policy if the account was at a 0 balance for 3 months it would be closed. The account still had not been open XXXX months when it was closed but when I asked for a copy of this policy ( as the packet I had been upon opening the account given did not state this ), they refused to send it and said I could only get it at the local branch. I unfortunately work all the hours the branch is open and asked again if I could get a copy sent to me. When the representative again refused, I asked to speak to a supervisor, was put on hold, and no one ever came back on the line. 

This is concerning to me as it seems the rules either changed and I was never notified, or was not given the proper paperwork upon opening the account. It 's especially concerning that the bank seems to be adopting deceptive practices by not clearly stating those terms in writing, and moreover refusing to show the supposedly available paperwork upon request.
Product: Credit reporting

Trans Union Dispute Department XXXX, PA XXXX XXXX ( SSN # XXXX ) XXXX, Georgia XXXX Dear Credit Reporting Agency, I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code 1681g Section 609- Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. " This Is Not a Dispute '' Public Records-Judgments XXXX XXXX XXXX Court ( I never served with the appropriate paperwork. Please accurately report this information or delete from file. ) No Plaintiff. 

Identification Number # XXXX Claim Amount {$32000.00} I expect that you will provide verifiable proof as required under the 15 U.S. Code 1681g Section 609- Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect these negative events to be removed. Please communicate your intentions in writing. 

Regards, XXXX