23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX was the previous company that serviced my mortgage. In XXXX of 2017 the mortgage was transferred to Nationstar/ Mr. Cooper Mortgage , not sure why. With XXXX I had an optionally life insurance policy through XXXX  XXXX. XXXX had always paid that policy through escrow. I almost lost that policy because Mr. Cooper did not pay the policy premium and after finding out I called Mr. Cooper and the short story of the battle since XX/XX/ 2017 Mr.  Cooper said they only escrow taxes and home owners policies. I have bought two homes and had many different mortgage companies because loans get transferred, bought and sold and Mr. Cooper is the only company that has refused to escrow optional life insurance policies. How can a load be transferred to another loan company that doesn't offer the same services? Can Mr. Cooper be made to escrow this policy?
Product: Credit reporting or other personal consumer reports

I am not associated with the listed creditors or inquiries.
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 the lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was not originally disputed, but it is no longer valid. It has been paid in full since XX/XX/XXXX and has had a XXXX balance ever since. I have disputed this report on numerous occasions by phone and in writing, which should not be reason to have it remain on my credit reports. Written request from XX/XX/XXXX and XX/XX/XXXX, through this year have been ignored. I can not get anyone to respond and there has  been no resolution. 

I am being penalized on my mortgage loan and need immediate action from this lender by removal of this long since paid off account from all three reporting agencies.
Product: Credit card or prepaid card

Fraudulent charges from XX/XX/22 thru XX/XX/22 were charged back to my account. Company is refusing to provide receipts that show a signature so I can show it is not my signature. Is Home Depot not saving customer signatures for purchases?
Product: Checking or savings account

XX/XX/XXXX, I noticed all of my money ( XXXX ) was transferred from my USAA checking account fraudulently using a highly insecure money transfer app name XXXX. I called USAA immediately and submitted a fraud claim. Today, XX/XX/XXXX, I received a notice stating my claim has been denied. This was clearly fraud, and do not feel I should have to pay for USAAs inability to keep my account secure and their use of an app with such poor consumer protection such as XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 




XXXX XXXX Balance : {$390.00}
Product: Credit card or prepaid card

It started in XX/XX/XXXX when I accidentally paid through the wrong account number. An account that I never used before. I called right away and they claim they never got that money and therefor couldnt apply it to the correct account. Every since then, every single month I pay on time but they dont apply it for weeks after the due date sometimes months. XX/XX/XXXXevery single month this happened to where now they say Im overdue three months in a row but I always pay on time if not early. I dont know what they are doing with the checks and why they dont process them immediately. In XX/XX/XXXX I sent a check for {$1000.00} and its not XX/XX/XXXX and they havent received it but my bank verified that I wear sent. Why would my bank continually prove payment was sent but the credit card company does not. Huh? I called many times to ask assistance as to why this keeps happening but they will not work with me to figure it out. I shouldnt owe this much as I always pay. This is capital one by the way
Product: Debt collection

I was given a line of credit with " Room to Go '' through Synchrony Bank and I was told there will be no interest accumulated until after one year. They lied and now they are charging me unreasonable late fees and I can't get anyone on the phone to discuss my concern. Furthermore I can't make sense out of my statement online. I notice they recently been sued for their illegal action. Can you help... thank you.
Product: Checking or savings account

I signed up under the BONUS400 promotion, which states : " Open a XXXX Checking account between XXXXXXXX XXXX. ET on XX/XX/XXXX, and XXXXXXXX XXXX ET on XX/XX/XXXX. When you open your account, enter your promotional codeBONUS400. Receive at least 2 direct deposits totaling
{$1000.00} or more to your 360 Checking account within 60 days of account opening. A qualifying direct deposit is an Automated Clearing House ( ACH ) credit, which may include payroll, pension or government payments ( such as Social Security ) by your employer or an outside institution. '' I opened the account on XX/XX/XXXX. I received the following direct deposits : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX The terms stated it should be paid by XX/XX/XXXX. It is now XXXX.
Product: Mortgage

I currently hold a mortgage with Rushmore Loan Management. This mortgage was originated with XXXX XXXX. I claimed homestead exemption at my local courthouse and sent the document to XXXX XXXX. Just after, XXXX XXXX  sold our mortgage to Rushmore Loan Management. The tax documentation has been sent to both  companies. I have screenshots of my messages attempting to get the status on this tax exemption as it affects our payment. It has now been 6 months of trying and they will not respond. This amounts to {$100.00} extra I have had to pay on my monthly payment because the taxes have not been adjusted. Since the loan origination, it has been one year and 5 months which makes for a total overpayment of {$1500.00} that I have paid MORE than I should because of this.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Texas XXXX XX/XX/XXXX Dear ( TRANSUNION ), I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong from my credit report, as allowed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and the Metro 2 credit reporting guidelines. It has come to my attention that the following information on my credit report is incorrect : PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : 1. PLEASE UPDATE MY NAME TO : XXXX XXXX 2. PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX  XXXX XXXX XXXX, Texas XXXX 3. MY ONLY SOCIAL SECURITY NUMBER : SS # : XXXX XXXX. MY ONLY AND CORRECT DATE OF BIRTH : Date of Birth : XX/XX/XXXX 5. MY ONLY EMPLOYER IS : N/A I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 

Moreover, I request the removal of any other personal information currently listed on my credit report that is inaccurate and does not pertain to me. Specifically, I demand the removal of all other addresses from my report, as they are not deliverable to me by the U.S. Post Office and are not reportable under the FCRA due to their inaccuracy.

I have attached a copy of my identification card and a recent { bank statement/utility bill/ID } for verification purposes, as required by the FCRA. 

Under the FCRA Section 611 ( a ) ( 1 ) ( A ), I am entitled to a free copy of my credit report once you have completed the necessary updates. Kindly provide me with an updated credit report so that I may verify its accuracy.

As the FCRA stipulates, if you are unable to complete the investigation within the 30-day timeframe, you must remove the disputed information from my credit report. Additionally, I would like to remind you that under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to notify me of the results of the investigation within five business days after it is completed. 



Thank you for your assistance in resolving this dispute. I look forward to receiving an updated credit report from your agency. 



Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file.

XXXX XXXX
Product: Credit card or prepaid card

It all started at the beginning of the year, some time around XX/XX/2023. I placed an order for a really expensive pair of shoes through the XXXX  app which i have used several times. Everything seemed fine until I noticed the delivery system said my package would arrive a couple days early but that was not the case. I never received the package and the delivery system changed the date for two days out. I was a little annoyed but it was fine I could wait an extra day or two but when the day came I got an email telling me my shoes were delivered but I never found a package at my door. I thought you would have to sign for an expensive pair of shoes valued at over {$2500.00} but I guess not. I contacted XXXX immediately and they told me to wait 3 days and contact them again. So I waited those 3 days and still got nothing and contacted them again which they then requested I fill out an affidavit or file a police report to initiate the claim. I told them I had the right to refuse to fill out an affidavit and police report countless times and they still insisted I fill one out to get my money back. They have held my money for months now unless I file one which sounds totally illegal by the way. I then told XXXX  I will file a dispute with my credit card since they want to hold my money for ransom and they proceeded to tell me they have already filed a claim with the carrier and they will work with my bank to figure this out. ( I thought they needed my to fill out a police report or an affidavit to initiate the claim... are they pocketing the insurance money and my money? ). 3 months later I finally get news that my credit card sided with XXXX  and will not refund me my money. I then requested the documents and evidence from them like the email stated I had a right too and they haven't sent me a single document so far. I made them re-dispute the claim but I have no faith for them doing the right thing.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

On XX/XX/18 I purchased an XXXX computer ( {$13000.00} ) advertised as qualifying for 24mos. with 0 % interest. This was handled through Barclays bank. 

The computer was shipped to me on XX/XX/18. 

I had set up the Barclays account to autopay the minimum payment each month. 

Today, XX/XX/18, I received notice my payment was due and took the opportunity to look up the online statement to see when the promotional rate expired. 

To my surprise and dismay I found that the promotion was valid ONLY if the purchase was made within 30 days of opening the account, which it was. However, as XXXX didn't ship ( or bill ) the unit until XXXX, XXXX XXXX bank claims that it did not qualify for the promotion. 

When I contacted them to discuss this they refused to discuss this and took the position that it is their policy. 

In effect it was IMPOSSIBLE to take advantage of the promotional rate as XXXX was unable to deliver the computer within the 30 days as it was a brand new model. 

Receiving notice that this was going to exclude me from qualifying for the promotional rate would seem to be the honest and forthright way to handle this matter. 

When I spoke to Barclay 's their position was too bad, that is their policy. 

I feel this was a deceptive trade practice and would appreciate your assistance.
Product: Mortgage

CitiFinancial was a second mortgage that was paid off sometime in XXXX as well there was another one with the same lending institution that was paid off and sent to the register of deeds on XX/XX/XXXX. 

My mother passed in XX/XX/XXXX and I'm trying to sell the house, however ; the deed is still showing these debts. 

The property address is XXXX XXXX XXXX, XXXX, TN XXXX Mother : XXXX XXXX CitiFinancial is no longer in existence. 


I called the banking commissioner and they told me that CitiFinancial was fined and closed for they business practices. 

we have tried every avenue given to us and can not get any help with getting these debts removed from the title deed, so I can close on the house. 

The title company is XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA XXXX and TransUnion are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; If XXXX and TransUnion feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If XXXX and TransUnion do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit card or prepaid card

This is to dispute a credit hit regarding a late charge on my account. This account balance was paid off completely early last year. As my wife does our accounting and we had not charged anything to our account we were not aware that there was a yearly fee that went against this account in XXXX. The statements that were sent via email were sent to a generally spam email that I have and not an email that I regularly monitor. There was no attempt to make me aware of this past due payment via standard mail or via phone call which Barclay has available on my account. I only became aware of this past due statement when I saw when trying to refinance my home that I had 1 past due payment which we are always on top of as a family. This has severely negatively effected my credit score and I would ask based on the reasons above that it be removed from my credit history.
Product: Credit reporting or other personal consumer reports

Ive been disputing this account since XX/XX/XXXX and seem to not get the removal and deletion of this account due to it reporting erroneous and inaccurate information. The company has violated several FCRA and consumer laws on the credit reporting agencies ( XXXX, experian and XXXX ). I sent a letter to Furnisher XXXX XXXX and received a letter XX/XX/XXXX for the removal of all reporting information removed and deleted from this account. Experian received this letter via uploaded through the dispute center on XX/XX/XXXX. I also sent this letter from the furnisher and other documents via certified mail to support my case. Experian only updated the information instead of deleting while XXXX and XXXX deleted the account. I asked to speak to special handling and supervisors and no avail to get a response to why the account was not removed. Once I spoke to an agent they stated that the account should have been removed due to my supporting information. But as of XX/XX/XXXX the account is still reporting and has not been removed from Experian. Please see the following attached documents supporting my claim.
Product: Mortgage

I am the seller and the buyers applied with Cornerstone Home Lending, in XXXX. We were scheduled to close on XXXX/XXXX/16. We received n notice buyers were approved subject to final underwriting approval. A couple of days prior to closing the buyers wanted to back out due to fact that they could not run a small day care out of home. Closing papers were drawn on XX/XX/XXXX and I went to closing and signed. On XX/XX/XXXX 5 days after closing Cornerstone issued a statement of denial for income and now we can not get back our earnest. We do n't believe it 's true. Why would lender allow closing papers to be drawn, allow all to think approved when they would have had paystubs, XXXX 's and returns long before closing. I feel they issued the denial letter to help buyers get earnest and because of relationship with realtors who use them on a regular basis. They have not issued a mortgage credit denial on HUD 's website as require for all FHA loans. We spent {$6000.00} on repairs, leased another home, paid movers and now we have XXXX house payment and no money. Lenders should not be allowed to deny a loan after the fact. Not good business and very poor business ethics. XXXX XXXX - XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

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

In XX/XX/XXXX, Citizen 's Bank and their financial lender, XXXX, incorrectly sent my private student loan into collections due to their own negligence. At the fault of these companies, my private student loan was sent to a collections agency and created a path of delinquent credit reports for me ever since then. My account was then noted as a charge-off for almost a year until these companies realized their own errors. The only action they took was seeking the loan back, so that they may continue collecting money. However, this resulted in my credit score plummeting. I have contacted these companies many times with no resolutions. Their customer service from the start was horrible, as they delayed communication and even neglected to give me my own personal account information. The best part is that this whole time, I was in school full-time and my account had been placed in forbearance ( since roughly XXXX ). Still to this day, my report is inaccurate. They have inaccurately reported false missed payments, as I never needed to make payments in forbearance. I only have 2 loans through these companies, yet they inaccurately have reported 2 accounts each ( totaling 4 accounts on my report ), which has negatively impacted my credit. They refuse to fix anything on my reporting, I have even gone through several disputes with XXXX ( which is just as bad as catching faulty, inaccurate reports even when spelled out for them ) and XXXX to resolve these issues, yet my credit score happens to be the only thing suffering because of negligence on behalf of all these major corporations.
Product: Credit card or prepaid card

On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX ) to collect a debt of {$3200.00} on a XXXX card I never applied for, let alone used. I called XXXX card ( XXXX XXXX XXXX/ ) at XXXX to let them know of the incidence. Upon checking my Experian credit report, I noticed a XXXX card was opened on XX/XX/XXXX, without my knowledge. The account was written off with a balance of {$3200.00}, the same amount listed in the XXXX letter. The account was opened using the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, which I do not recognize. I XXXX  the address and found out that it belonged to a XXXX XXXX XXXX https : XXXX ). The credit card is clearly fraudulent. 

I've filed a police report, and XXXX has confirmed this is a case of fraud and closed my account. I am reporting this to the CFPB in order to place an extended credit alert to the credit bureaus. I'm also reporting the incident for documentation in case there other victims.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter asking Experian, XXXX, and XXXX to investigate my accounts. Here is my tracking number : XXXX. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - Experian, XXXX, and XXXX have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

I have all the evidence attach below. 

-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I DO NOT RECOGNIZE THESE NAMES PLEASE REMOVE THANK YOU. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX