23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/year> I attempted to contact Mr. Cooper Loans regarding an increase in my escrow and to request a review of my Private Mortgage Insurance ( PMI ) based on the increased value of my home. Despite making multiple attempts to reach a representative, I was unable to speak with anyone regarding my specific concerns. 

I placed XXXX separate calls totaling approximately XXXX minutes. Each time, I was continually rerouted by the automated customer service system through the main menu, despite repeatedly requesting to speak to a representative. My issue did not fall within the limited categories provided, and the system did not offer an option to reach a live agent for assistance. 

This process is unhelpful and misleading, as the automated system implies that selecting a category will connect the caller with a representative, yet I was never transferred to a real person. This lack of accessibility prevents customers from properly managing their loans and resolving important financial matters. I request that Mr. Cooper Loans improve their customer service system to allow direct access to representatives for unique or complex mortgage inquiries.
Product: Credit reporting or other personal consumer reports

DATA BREACH I notified XXXX, Equifax, and XXXX XXXX XXXX. There was no answer, just automated customer service that would not connect me to a representative. I attempted to file a dispute but could not because appropriate information about data breaches was not available. I needed them to fix my WHOLE CREDIT because my information was exposed in a Data Breach. 

According to 15 USC 1681, regarding the right to privacy and FCRA 605B, if there is a data breach involving possible identity theft, they must correct all information on my credit report within four ( 4 ) days.
Product: Credit card or prepaid card

My problem is with XXXX. I have had a credit card with them for over 20 years. Last year they closed the store in XXXX XXXX where I live. Now there is no location convenient for my use. I therefore have not used the credit card. I did get an estimate for carpeting from XXXX about 3 months ago but the cost was too high and I purchased from someone else. 

There are very few times that I can now shop at XXXX and their on-line prices I have found to be too high. That is not the problem however. The problem is that I received a letter telling me that I either had to make a purchase by XX/XX/XXXX, or my credit limit would be lowered. 

The letter is dated XX/XX/XXXX, and states ; " Thank you for being a valued XXXX cardmember! After a recent review of your account, we noticed that your XXXX card ( for the account number referenced above ) has been inactive for over 16 months. 

In order to prevent the credit limit on your account from being lowered to $ x, xxx due to inactivity, you must use your XXXX card to make a purchase or other transaction by XX/XX/XXXX. '' I find this to be " XXXX XXXX ''. They are basically telling me that if I do not use my card, that they will take action that will result in a negative impact on my credit rating. I have always had excellent credit with XXXX. I would have used my card had they not decided to close that only store near me. 

I should not be " threatened '' with negative credit history due to their actions resulting in the store closure.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federal protected consumer rights to privacy and confidential under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  # 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. 

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 a account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which autodates the report by more then seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX, EQUIFAX, and XXXX are all in violation of my consumer rights by unlawfully reporting bankruptcies on my consumer reports. They are in direct violation of 15 USC 1681b. They do not have permissible purpose to report this information and nor have they actually verified or validated if the information that is being furnished is 100 % accurate. Pursuant to 15 USC 1681a ( e ) who did they talk to in order to verify the information? The courts do not report or furnish data to the consumer reporting agencies. I have a statement directly from the United States Bankruptcy Court XXXX XXXX of Mississippi website XXXXuscourts.gov stating that they do furnish or provide information as defined by the FCRA. 

I expect this grievance to be remedied immediately! I have been adversely affected by their unlawful actions, and I expect to be compensated. My ability to carry out my personal, family, and household purposes have been greatly hindered.
Product: Mortgage

On XX/XX/2022, I submitted a complaint against Mr Cooper in regards to my mortgage. You can review the details of that complaint in my complaint history. This is now the 2nd complaint with the same types of issues, however there are new issues to bring to your attention. Starting from XX/XX/2022, I advised Mr Cooper that they continually misapply payments on my account and process those payments as additional principle. The supporting accounts statements will show this to be true. I will also be submitting screenshots of statements on their website that attest to how those payments should be processed when an amount due shows on the account. They consistently do not apply payments properly and the only thing I receive are excuses as to why they can not process payments correctly. I have now sent in 6 separate messages in a two month period in regards to the same issues. I have called 2 separate times regarding the same issues. 

The final straw is the letter received on XX/XX/2022, in which they state that my homeowners insurance has expired and they plan on purchasing insurance for me. Further in the letter, they state that they have it in their records that I elected to pay the insurance directly rather have it in the escrow account. The screenshot that I am including proves otherwise and states the date in which the payment should've went out to the insurance company. 

It is clear that Mr Cooper is unable and unwilling to handle this mortgage properly and to my standards.
Product: Mortgage

I submitted a mortgage payment with an additional payment for principal. My payment coupon clearly stated where the payment should be applied. The mortgage company applied this additional payment toward property inspections fees they are saying I owe. I spoke to the mortgage company and they stated they would apply the additional payment to the principal but, they have failed to so.
Product: Debt collection

I am writing to follow up on the response provided by PennyMac Loan Services regarding my dispute. The creditor claims that they sent their responses to an incorrect address. However, this is inaccurate and does not excuse their failure to respond to my dispute within the legally required 30-day period under the Fair Credit Reporting Act ( FCRA ). In my original dispute letters, I provided my correct and current address multiple times : - My address was clearly stated in the dispute letters themselves. - The envelope included my return address. - I enclosed a copy of my driver 's license and an electric bill, both showing my current and correct address. Additionally, I sent dispute letters with this accurate information on multiple occasions : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. PennyMac Loan Services had **ample opportunities** to mail their responses to my correct address, but still failed to do so. Given that I complied fully with the dispute process and provided proof of my correct address on several occasions, I request that this account be removed from my credit report. The creditors failure to respond within the legal timeframe, combined with their mishandling of my dispute and failure to send responses to the correct address, violates the FCRA. Additionally, under the FCRA, consumers are entitled to statutory damages up to {$1000.00} for such violations. I respectfully request that this be taken into consideration when addressing the creditor 's non-compliance. Thank you for your attention to this matter. I look forward to your timely response. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

First thank you for taking the time to read this letter. Recently, I found fraudulent inquiries in my Experian Credit report. The inquiries that I listed below are fraudulent and should be removed from my credit report. Also, I am requesting that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. Please block this fraudulent information per sections 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. Your response to this letter is required by law. Please. Be aware this letter has been generated by me, XXXX XXXX. I have enclosed identity verification documents for you to verify my identity.

FROUDULENT INQUIRYES! 
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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The 3 Credit Bureaus are reporting inaccurate information on CB/XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already filed a complaint on TransUnion and they say they going to do a " 30 day investigation '' on my first complaint which I have been hearing this so many months. Today they wa n't me to get contact the creditors that got in contact with them and can be anybody but they don't care. Why because XXXX XXXX XXXX wrote them on XX/XX/2021 saying to them to delete 2 accounts and I have written TransUnion with proof and you think they actually deleted it, nope its has been 6 months and they're still on my credit report just like others are. I had to go filed a complaint against XXXX XXXX XXXX which they really didn't do nothing because when I wrote them back in XXXX they couldn't provide me with anything. So I filed a complaint today because TransUnion and XXXX still reporting something that couldn't validate in their office. XXXX compliant number is XXXX. I mean TransUnion really was doing right about consumer than the consumer doesn't have to work so hard to get this off their credit because my attorney told me about this site which it will have paper trail. How many 30 days I have given you all to do right. Than XXXX and XXXX XXXX  are the same you can't do Double Jeopardy so I would like both to be deleted as well. Duplicating account information like this may be a violation of the Fair Debt Collection Practices Act or the Fair Credit Reporting Act. XXXX is collecting on XXXX XXXX whomever that is and XXXX XXXX also collecting on XXXX XXXX.
Product: Credit card

I received an unsolicited credit card for my business, ready for activation upon its arrival. The scary part is that there is an actual card, with a {$150000.00} limit, addressed to a former Board of Director that has not been active in my organization for over 15 years. It is from XXXX, a company I have never heard of. I often receive solicitations or credit applications, but never one like this. I would be very afraid of what someone could do with a card like this to my companies credit, and all of the headaches that would ensue. Thank you for your help with this matter.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

I am writing this complaint to bring to your attention that there is inaccurate and incomplete credit information included in my credit report profile, and I believe that your bureau has failed to maintain reasonable procedures to assure maximum possible accuracy in the credit reports that are published. As per credit reporting laws, it is mandatory for bureaus to report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore, I would like to request a re-investigation of the following information that I believe to be inaccurate : XXXX XXXXXXXX XXXX XXXXXXXX Date Open : XX/XX/XXXX Balance : {$24000.00} and XXXX XXXX XXXX XXXX XXXXXXXX Date Open : XX/XX/XXXX Balance : {$18000.00}. I respectfully request that you provide proof of this alleged item, specifically the contract, note, or other instrument bearing my signature. Failing that, the item must be deleted from my credit report as soon as possible. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Checking or savings account

I made an ATM deposit on XXXX 2019 at XXXX XXXX in the middle of the transaction the ATM broke and spit out a receipt it reads your deposit has been received your account will be credited upon verification of the deposit if you have questions please call XXXX XXXX to Wells. I called Wells Fargo on the XXXX and filed a claim 12 days later Im still missing the deposit Wells Fargo in no way shape or form is cooperating
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/19 XXXX XXXX XX/XX/19 XXXX XXXX XXXX  XXXX XX/XX/19 XXXX XXXX XXXX XXXX XX/XX/19 XXXX XXXX XX/XX/19 customer service would not help and take care of the negative inquiries reporting to my credit report.I have no knowledge were these inquiries came from. I took the time to contact each company separetely and neither one could give me information where this inquiry came from. The only course of action they gave was to contact the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB : Please be that advised this statement and request submitted through the CFPB will serve as a formal complaint that Experian ( ( CREDIT BUREAU ) ) failed to properly conduct an investigation/dispute wherein the company, did not acknowledge my dispute, respond to my dispute, and failed to notify me of any results and/or updates regarding the disputed accounts within the federally controlled/allotted days of 30-45 days according to the Fair Credit Reporting Acts Guidelines of handling a dispute. My dispute was delivered XXXX XXXX, 2017 sent certified mail with USPS Tracking # XXXX As per my civil rights, the items I felt are inaccurate. It has been well over 30 days and I have received no reply. I have included a copy of my original mailing and my mail receipt for your records as well as mine to which I have submitted this dispute. Please take immediate action to rectify these issues. 
I look forward to your timely response and to receiving an updated copy of my credit report as per my initial request where the items in question should be deleted. TIME IS OF THE ESSENCE.
Product: Checking or savings account

Include dates, amounts, and actions that were taken by you or the company.

Do not include personal information, such as your name, account number, address, Social Security number, etc. We may ask for some of this information later, to help the company identify you and your account.
Product: Credit card or prepaid card

I made a payment for {$100.00}, and that amount was deducted from my checking account, and the payment was applied to my credit card account. An additional deduction was made for {$7.00}, and Wells Fargo can't explain to me why it was done nor was this money it applied towards my credit card account. I called Wells Fargo customer service a number of times with no luck of resolution.
Product: Debt collection

I have been receiving calls from XXXX and I have a letter from them ( XXXX XXXX/Mercantile Adjustment ) stating I owe {$1200.00} to XXXX XXXX XXXX. I do not owe any money. I have a lease, it is paid on time. I contacted the person I leased the car from, XXXX XXXX at XXXX XXXX in XXXX, Vt. She has been in touch with XXXX XXXX. I do not owe any money. This is a bogus claim from a company I see listed on the internet who have been making bogus threatening calls for years.
Product: Debt collection

I keep receiving phone calls from XXXX XXXX XXXX XXXX stating that they are trying to collect a debt for XXXX bank. The only account I hold through XXXX is an XXXX Store Credit Card. I called the number on my card and they have confirmed last month 's ( XXXX XX/XX/2015 ) bill was paid by the due date and this month 's ( XXXX XX/XX/2015 ) is set for the correct amount paid on the due date. Not only do they keep calling asking for money, I have received calls both on XXXX, and I have gotten automated voice recordings on my cell phone.
Product: Credit card

I contacted Capital One on several occasions and informed them I was in XXXX when accounts were established and they are still trying to hold me liable. My identity was compromised due to a security breach from their organization.
Product: Consumer Loan

I purchased the car from XXXX Autos who used Lobel Financial for the loan. Immediately after I got insurance they raised the monthly payments. I called them and asked for them to mail my new account balance to me or email it and they hung up on me. I called back they said I have to fax a request. Now I paid to fax my request and they say they do n't know where to send the fax. So I send another fax with the fax number to send the disclosure to and they can not confirm they received that fax. They wo n't let me speak with a superior. I have been getting the run around trying to get the balance owed since XXXX this year. I need to know the account balance it 's my right so that I can pay off my car in full so that I do n't have to deal with this company anymore but they refuse to give me this information. And everytime I call I get different people telling me different things.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope you can help! I sent a letter to the credit bureaus on XX/XX/2023 and gotten a response and i still have inaccurate information on my report! My understanding is that Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. I will list the accounts below! 

1. Validate Account XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
3. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
4. Identity Theft XXXX Account Number : XXXX Please investigate and delete from my credit report 4. Identity Theft XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 
5. Identity Theft XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
6. Identity Theft XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 
7. Identity Theft XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report
Product: Credit reporting or other personal consumer reports

I XXXX XXXX have disputed phone numbers on my credit report with XXXX. These are the cellular numbers I'm disputing : XXXX these numbers are from my phone being compromised on several occasions. Everytime I change the number they would compromise that number. My new number is XXXX. 
And what is up with these in the yellow school buses, do they work in the different stores around town, they have no name tags.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credit. This issue aligns with recent CFPB findings against Navy Federal for similar practices, where transaction settled with insufficient balances, despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Checking or savings account

I had a prior issue that was resolved around a month ago. I tried closing my checking account because of unwarranted fees. After resolution, the representative I spoke to agreed to close the account after my fee situation was rectified and I was able to XXXX  out the account balance. It has been over a month and the account has not been closed yet. I called customer support to see why this was the case and they are now unwilling to close my account demanding I go to one of their branches to do it despite them already having agreed to close my account. I am tired of dealing with this terrible bank. Please ensure closure of my account.
Product: Credit card

I applied for a balance transfer with XXXX XXXX XXXX. This transfer would transition credit card debt from a " XXXX XXXX Ohio '' XXXX, to a XXXX XXXX XXXX XXXX card. I was billed for the transfer amount of {$570.00} on XXXX/XXXX/16. 

XXXX XXXX XXXX mailed a paper check for the above sum to XXXX XXXX. XXXX XXXX deposited the check but did not credit my XXXX account. As it stands now, XXXX XXXX refuses to return the funds to XXXX XXXX XXXX, and refuses to apply the balance transfer as originally requested by myself through XXXX XXXX XXXX. 

Consequently, XXXX XXXX XXXX continues to bill me for the entire transfer amount, XXXX will not acknowledge receipt of XXXX XXXX XXXX funds, and I continue to pay the debt - only now to XXXX credit card companies instead of XXXX.