23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My original XXXX XXXX  loan XXXX closed on XX/XX/XXXX for property address XXXX XXXX XXXX, XXXX # XXXX ; XXXX, TN XXXX. Between that XXXX XX/XX/XXXX closing date and the time the loan was transferred to New. Rez in late XXXX, I made approximately $ XXXX in principal and monthly mortage payments to XXXX. XXXX records the following : Our records indicate that we acquired this loan for servicing on XX/XX/XXXX. On XX/XX/XXXX and XXXX, XXXX, we received correspondence from our Secure Message Center regarding your principal payment applications and issued a response on XX/XX/XXXX. Please review the following payments applied while servicing your loan : Page XXXX of XXXX XX/XX/XXXX Re : Loan Number : XXXX CFPB Case Number : XXXX Date XX/XX/XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Amount {$25000.00} {$5000.00} {$5000.00} {$7500.00} {$2500.00} {$5000.00} {$5500.00} {$5500.00} {$5500.00} {$2000.00} {$2000.00} {$1000.00} {$1000.00} {$1000.00} Description Additional Principal Payment Additional Principal Payment Additional Principal Payment Additional Principal Payment Additional Principal Payment Additional Principal Payment XX/XX/XXXX Payment XX/XX/XXXX Payment XX/XX/XXXX Payment Additional Principal Payment Additional Principal Payment Additional Principal Payment The response also explained that the account was scheduled to be due for the XX/XX/XXXX payment before the service transfer to NewRez, LLC. As such, on XX/XX/XXXX, the XXXX and XX/XX/XXXX payments and the subsequent additional principal payments were reversed to the non-interest-bearing suspense account for holding. This resulted in a suspense balance of {$20000.00} and an unpaid principal balance of {$620000.00} In spite of this, New Rez continues to list my principal as {$650000.00} which is completely inaccurate. Over the past month I have tried to contact New Rez approximately XXXX times and XXXX and uploaded all of the documents they ask for, yet they still refuse to change the principal and honor the initial dates principal was paid to XXXX. I enclose the document from XXXX reflecting what they had sent to New Rez and the payments described above. I also enclose my XXXX and XXXX statements which provide the proof of payment to XXXX prior to the transfer to New Rez. Please protect me!
Product: Credit card or prepaid card

XXXX  had updated my account because of fraudulent activity which took along time now I was told to dispute the fraudulent transaction with Bank of America which Im having trouble with I just need me new card mailed out to me Ive been dealing with this over a year
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not familiar with these items and I have been in contact with the company to challenge and verify this debt is mine with signatures and contracts to no avail. I have still received nothing. This is clearly an error and are not my accounts. I have noticed this for several months on my record with incomplete information and it has been hurting me financially unnecessarily as I have expressed. I have notified my attorney to stop the actions of your company from contacting me anymore and I kindly demand your swift response to this matter and deleting these accounts from my reports immediately. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to put a freeze on my Equifax credit report, since my SSN was compromised. I tried to use their online service for doing so, but I was prompted to verify my identity and create an account first. After completing that process on their website I got a message saying the could not verify my identity, and they would send me an access code by snail-mail to the address that I provided, which I could then use to verify my identity and create the account. 

After waiting for, and eventually receiving the piece of mail, I went to https : //my.equifax.com/pin as instructed to complete my enrollment. That was apparently successful, but I still have not been able to log into my account and it's been several days now. Every time I try to log in their website says " We are temporarily unable to complete this request. Please try again later. '' I have tried several different browsers and they all have the same problem. 

Having to do this over the phone instead of online is unacceptable, especially for someone like me, who has a XXXX loss that prevents me from using the phone normally. Equifax is the only one out of all three major credit bureaus that has this problem, and I have successfully completed this process in less than an hour with the other two.
Product: Mortgage

I have a mortgage with Nationstar Mortgage, whose address is XXXX, TX XXXX. On XXXX XXXX, 2015 I received a notice that my escrow account for property taxes had a shortage of {$960.00}. I was told I could either pay the full balance and keep my regular monthly payment the same, or have my regular monthly payment increase by {$110.00} per month from {$1900.00} to {$2000.00}. I chose the former and wrote a check to Nationstar for {$960.00} as instructed. That check was cashed by them on XXXX XXXX, 2015. However, due to an internal error on their part, someone misapplied those funds and chose to add that amount as principal reduction rather than to my current escrow balance. As a result, unbeknownst to me, the system maintained the monthly payment amount as {$2000.00}, So when I made my regularly scheduled XXXX 2015 mortgage payment of {$1900.00}, the system did not show the balance as being paid in full and charged me a late fee. It also suspended the payment from being applied to my account so that my credit is negatively affected. I called Nationstar on XXXX XXXX, 2015, to figure out what happened and after an hour of back and forth with very poor customer service or assistance, the woman XXXX stated that the matter was resolved, the funds would be properly applied and my payment would stay the same. However, on XXXX XXXX, 2015 when I went on the Nationstar website to make my XXXX 2015 payment, it still showed the incorrect higher amount was due. In addition, it showed that my XXXX 2015 payment was still in suspension and had yet to be applied. Again, this affects my credit and causes extra fees to be applied to my account. So I again called customer service on XXXX XXXX, 2015, and spoke with XXXX. I went through the same discussion and transferring of calls back and forth that I did the first time. XXXX said that they had to ask for the escrow payment of {$960.00} to be reapplied to the outstanding escrow balance in order for the monthly payment to go back to what it was and that would take another 7 to 10 business days. Why the first lady did n't do that is beyond me! So now I have to wait another 2 weeks for this issue to be resolved, meanwhile my account shows as past due and it affects my good credit report.
Product: Vehicle loan or lease

TD AUTO FIN XX/XX/2017 {$0.00}
Product: Bank account or service

RE : REGIONS BANK I AM WRITING REGARDING THE ERRORS AND ENORMOUS OVERDRAFT CHARGES NOTED ON MY ACCOUNT AND THE CONFUSING MANNAER IN WHICH THE PERIODIC STATEMENTS WERE DESIGNED DURING THAT TIME [ 2012 ] .THIS ONE PARTICULAR ISSUE OCCURED IN XXXX 2012, AN ATTEMPT TO RESOLVE THIS ISSUE WAS DISCUSSED AT XXXX BANKS.I WANTED TO KNOW WHERE THE MONEY WENT AND IF THE EXCESS FUNDS WERE CREDITED TO MY ACCOUNT.MAY XXXX A CHECK WAS WRITTEN FOR $ XXXX.ACCORDING THE BANK STAFF THE CHECK DID NOT CLEAR.ACCORDING TO XXXX XXXX XXXX XXXX WAS PAID {$530.00} ON XX/XX/2012.THIS WAS DONE TO PAY THEIR CHARGES AND {$30.00} FEE.ACCORDING TO THE BANK STAFF THE MONEY WAS NOT PD UNTIL XX/XX/XXXX..THERE WER SEVERALDIFFERENT STATEMENTS THAT REFLECTED THIS TRANSACTION DURING THE PERION XX/XX/XXXX THRUI XX/XX/XXXX.ON XXXX/XXXX/2012 I WAS INSTRUCTED TO DEPOSIT {$600.00} PLUS {$20.00}, BY BANK SAYING THIS WOULD CLEAR UP THE XXXX XXXX XXXX HAD BEEN PAID. 
OTHER ISSUES REGARDING NON-SUFFICIENT FUNDS WHEN THE FUND WERE AVAILABLE..THERE WERE OTHER CHARGES AT VARIOUS TIME EVENTHOUGH THE FUNDS WERE AVAILABLE.AT ONE POINT THE NEGATIVE FEES AMOUNTED TO $ XXXX.THIS WAS A CONTINOUS EFFORT OF EXTRA CHARGES. 
MOST OF MY DEPOSITS OCCURS DURING XX/XX/XXXX THRU XX/XX/XXXX. I ATTEMPTED TO BALANCE MY BOOKS PRIOR TO ANY PAYMENTS.I DID SEND A DETAILED LETTER TO REGIONS BANK XXXX XXXX XXXX XXXX, AL XXXX.
Product: Checking or savings account

On XX/XX/XXXX I sent a check for a magazine renewal for {$36.00}. I sent it from the postal box in front of my bank just before the XXXX pick up. On XX/XX/XXXX I saw the check I made out to XXXX XXXX XXXX for {$36.00} was altered to XXXX XXXX for {$500.00} for rent. The date on the check was changed from XX/XX/XXXX to XXXX. It was a very bad whitewash of the check as you can clearly see my writing where they wrote over and made the changes. I immediately called my bank. I then went to the bank to file all of the paperwork as well as close my account and open a new one. I asked if they would file a police report. They said no, I would need to do that if I wanted. I went to the district police on XX/XX/XXXX. They would not take a report from me. They said the bank had to file. The bank refuses and will not give me a reasonable timeframe as to when I will receive my money back. They said it could take a year! I copied the check before I sent it as I often do for subscriptions so they have the real check I sent and the altered one. They can't tell me what else they need to get this moving. I asked to speak to a bank manager and received no call back. I am not only out the {$500.00} they took out of my account but also a half days work and {$68.00} for a box of new checks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a victim of identity theft. The account listed should be blocked, removed and/or suppressed for this is fraudulent and/or inaccurate. Account : XXXX XXXX XX/XX/2015 {$0.00}.
Product: Checking or savings account

I deposited a XXXX check from an FTC settlement through an ATM which now has my account overdrawn so I can't access anything city bank wont say anything about the account to us bank if the funds are their so the hold is not able to be removed this is costing me work hrs and more as I needed this money to buy parts for my vehicle they ran me around for 4 hrs this am telling me call this call that all to be led back by to the branch manager who says they can't get citi bank to verify funds for a gov. Check deposited im going to have to get a new bank take losses all because banks can't seem to verify if money is in an account with another bank XXXX XXXX XXXX and us bank XXXX XXXX XXXX XXXX they are a failing branch and this is why I have deposited XXXX other checks from the same settlement. I will have this published I will contact the XXXX have it published as the bank said the back offices put the hold but their is no way to contact them to rectify this so everyone needs to know this.
Product: Debt collection

XXXX XXXX XXXX, Dear Sir/ Madam, I am writing to formally demand that you Cease and Desist all communication with me regarding this alleged debt referenced under account # XXXX, in according with the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c ( c ). Please note that any further contact from your agency, except for the purpose expressly allowed by law ( such as notification of legal action or final settlement ), will be considered a violation of federal law, and i will take all necessary legal action to protect my rights.
Product: Mortgage

My home address was changed by the city. I submited the change to Nationstar, my mortgage company, XXXX years ago. XX/XX/2015 I tried to refinanceand was denied because of a address descrepancy with XXXX . I have submitted XXXX letters from the city and have yet to get my address correctly changed with XXXX. This procedure is called a SURF rquest. Nationstar says they cant even talk interdepartmental to try to resolv this problem. I also contacted XXXX XXXX 's office and my state ( MA ) attorney generals office. That was over a month ago for both. I am loosing about XXXX $ a month by not being able to refinance. Please help!!!
Product: Mortgage

I paid the loan in full on XX/XX/XXXX. An escrow balance of over {$2000.00} was due to me within 30 days, based on the Real Estate Settlement Procedures Act. 

In late XXXX XXXX XX/XX/XXXX XXXX, I had still not received a check for that amount. I called and they said they sent it ( yeah right ) but would cancel it and send me a new one within 10 business days. 

Its XX/XX/XXXX and I still have not received a check. 

The fact that this company can operate is a wonder. This is one of many issues Ive had with this company. They mismanage money and are fraudulent.
Product: Credit card or prepaid card

On XX/XX/2019, I paid {$2600.00} which left a balance of {$120.00}. Today, XX/XX/2019, Capitol One added {$43.00} interest charge to my balance. I asked why and they said it was based on last months purchases. They can see I made a huge effort to pay and I'm furious they added this fee.
Product: Credit reporting or other personal consumer reports

Contacted company because they marked my credit with 2 late payments. I sent them the agreement that was agreed upon and documented that they would move payments to the back of the loan because I lost my job and asked for forbearance to protect me credit. They approved it but added late payment to credit
Product: Checking or savings account

Hello, On Sunday XX/XX/23, I contacted my financial institution ( Associated Bank ) which whom I bank with, to report fraudulent activity on my debit card which occurred on Saturday XX/XX/23 in XXXX, MN. An unknown individual ( XXXX ) was in possession of my debit card and fraudulently withdrew {$2400.00} from my bank account and also used the debit card at a gas station to make a purchase of {$36.00}. 

On XX/XX/23, I went to the Associated Bank branch on XXXX XXXX in XXXX, WI to file a dispute. The Banker informed me Associated Bank would initiate an investigation and try and get back to me with a decision whether my dispute was accepted or denied within 10 business days. I did not hear from Associated Bank so I called them on XX/XX/23 to inquire if a decision had been made. Associated Bank informed me that the dispute had been denied and they would not be crediting my account with no further explanation. Since this was clearly fraudulent activity, I 100 % feel that Associated Bank needs to credit my account.
Product: Bank account or service

I received a letter from Chase about a CD that was up for renewal on XXXX/XXXX/2017. As the proposed rate for the renewal CD was only .02 %, I called the number on the letter to inform the bank that I wanted to non-renew and have the balance roll to checking. After getting through the awful automated phone system, I finally got to an agent. Following my explanation he informed me that I had to go to a branch to effect that transaction, despite the fact that the letter had included that phone number. I asked for a supervisor and he told me he was a manager. I still asked for his supervisor, so he put me on hold. 
When he came back on the line, he did not have a supervisor but said he had gotten " an exception '' to perform the transaction. Then he informed me that there would be a penalty. When I asked why in the world there would be a penalty, he said it was because I was calling before the ending date on the CD. When I explained that I wanted the transaction to occur on the end date ( two days from now ), not today, he told me I could not inform them in advance, but had to call on the specific ending day to avoid this penalty. 
I told him that he should be able to take the information and set the transaction up in advance, but he said he could not. Finally I told him to just finalize the transaction, as I 'd spent far too much time on this already. While the penalty was just a couple of dollars, I think this is outrageous. 
I am a Private Banking client at Chase, and so wonder what happens to customers who are not!
Product: Debt collection

On XX/XX/2022 at XXXX ( PST ) Capital Link Management employee XXXX XXXX executed improper conduct by contacting my wife, a person who has XXXX debt belonging to this company, using work related tools/software/program to locate, use, and share her non-publicly listed phone number for personal reasons. 

XXXX XXXX also shared her unlisted phone number with a relative. XXXX XXXX contacted her via his work phone ( XXXX ) twice and via cell phone. My wife was contacted not only by XXXX XXXX but also the man he extended her unlisted phone number to on the same day. 

This practice is improper use of a debt collector 's software and hardware to locate a person who is not affiliated with or have a debt related to Capital Link. This is a gross and extreme invasion of privacy that caused unnecessary emotional distress from happening to my wife ( and possibly others ) again. 


I have contacted the compliance office at Capital Management and was told that this was not a legal or policy violation. I have attached email chain between myself and XXXX XXXX. I disagree with this assessment and believe they are trying to deny this issue was a legal/policy/regulator violation. I contacted CFPB and confirmed this is a violation which should be submitted. 

I am not asking for action or compensation other than the acknowledgment that this is not an acceptable or legal use of company assets and that it will not happen again.
Product: Mortgage

I have received a statement from Village Capital and Investment indicating there is a XXXX fee. The company indicated they dont know what it is for, but advised it is from the previous loan processing company, XXXX XXXX. Village Capital has been the loan processing company for over a year, and they advised they are unsure what the fee is for, and I could just disregard although it is on my XX/XX/XXXX statement. I spoke with a representative named XXXX at Village Capital and Investments on XX/XX/XXXX at XXXX CST, reference number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted letters towards the end of XX/XX/2021 disputing inaccuracies on my report. I have even contacted them and was on hold for hours just to have the call disconnected. It's been well over 30 days and no response. I request for the to delete everything listed in the attached documents due to them violating FCRA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXX XXXX XXXX XXXX XXXX XXXX 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

I am one XXXX XXXX person at these so call credit bureaus. Since XXXX of 2020 I have been trying get things taken off my credit report there are so many things bein reported wrong that need to be corrected or removed. Why is this taking so long and why are am I have to go thru this XXXX by writhing to complaint? How hard is it to make these changes or remove them from my report? I have attached copies of the disputes I already file just so you know it been done
Product: Payday loan, title loan, personal loan, or advance loan

I requested a 1099c because this company wrote off this as a profit loss and took the tax break I want to do the same but they want do it but they continue to report it on my credit report as a debt it no accurate and Im want to report them to IRS
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase is cross referencing my name with a XXXX XXXX formerly XXXX. I have a Chase credit card with them and the other XXXX XXXX has an auto loan. On the Chase application I see her auto loan along with my credit card account and the account name references XXXX XXXX not XXXX XXXX XXXX. Ive reached them multiple times and have done nothing. This has caused other of XXXX XXXX debt to come to my credit reports. I was able to dispute that with credit bureaus but I am afraid that they will keep associating me with this person. Please have Chase and credit bureau from cross-referencing me with this XXXX XXXX. Thanks, XXXX
Product: Debt collection

Failed to supply sufficient documentation of a debt they are attempting to collect in accordance with the Fair Credit Reporting Ac t, Section 611 ( a ) ( 6 ) and ( 7 ) res ulting in adverse reporting to the major credit bureaus and my denial of credit.     I have contacted the company multiple times in writing without receiving a satisfactory response.     I have researched their histo ry. Cavlary 's Consent Order with the   State of Arizona ( my prior residence ) requires positive improvements in how they conduct business. This has not proven to be the case as they continue to fail to disclose properly and   timely.
Product: Checking or savings account

I ordered a phone on XX/XX/1922 from XXXX XXXX I returned the phone a week later because there was no charger to charge it so I told them I did not want it I send it back and they have been charging my bank account for all kinds of different fees on XX/XX/XXXX I was charged {$39.00} XXXX on XX/XX/XXXX I was charged {$50.00} restocking fee on XX/XX/XXXX I was charged {$19.00} on XX/XX/XXXX I was charged {$79.00} when the charges started I contacted my bank Banner bank and ask them to block them because I returned to the phone and they have no right to keep charging me for something I no longer have the bank told me they could not do that I have been talking to XXXX XXXX  several times a week they keep telling me that they're going to stop charging me but they just keep charging me I have already filed a complaint about them with the FTC also. Please help me!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX on XX/XX/XXXX under my personal credit card account. This account have resulted in an fraudulent hard inquiries appearing on my consumer credit report. I've attached a list of the hard inquiry in question as well as a copy of the consumer credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the hard inquiry as reported. The hard inquiry appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. This hard inquiries is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint Report Number XXXX as proof from the US Federal Trade Commission the hard inquiries which is the result of identity theft and fraud.