23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Specialized Loan Servicing purchased my mortgage loan from the loan originator without first verifying the existing hazard insurance coverage. They asked me to provide proof of continuous insurance coverage more than a year after the fact which I did. I first provided them proof of insurance coverage for XXXX. Then they asked for retroactive proof for XXXX and I provided valid declaration pages and proof of continuous uninterrupted hazard insurance for both years by email, upload and by postal mail. Specialized Loan Servicing phone operators do not provide any identity credentials, the email address they provide are anonymous with un-monitored reply addresses and the upload portal only provides a rejection notice when I upload the insurance declaration pages. The response to mailed in valid declaration pages proving coverage was to deny the proof was valid. They have now reported late payments to all three credit reporting agencies for a single, partial month charge of {$47.00} for insurance coverage for the month of XX/XX/XXXX, because they claim they didn't receive the proof of coverage that I sent in multiple times using multiple methods. My credit has now been downgraded because of the false late payment reports they have filed. Specialized Loan Servicing should not be allowed to purchase existing loans without first verifying insurance coverage and should not be allowed to harass, intimidate, or threaten and impair the credit ratings of their clients for their own lack of due diligence when buying loans.
Product: Credit reporting or other personal consumer reports

These credit reporting agencies have ignored my disputes long enough, and Im done tolerating their negligence. Despite providing evidence and disputing the inaccurate payment history multiple times, they continue to report false information on my credit report. This is unacceptable and has caused unnecessary harm. Under 15 USC 1681e ( b ), credit bureaus are legally required to ensure maximum possible accuracy in the information they report, but theyve clearly failed to meet that standard. Im no longer interested in excusesI demand immediate action! The law under 15 USC 1681i requires credit bureaus to conduct a reasonable reinvestigation and delete or correct any inaccurate or unverifiable information. Their repeated failure to do so proves that no proper investigation has been conducted. If they had done their job, this inaccurate payment history would have been deleted by now. Instead, theyve ignored my disputes, proving either negligence or willful noncompliance. Additionally, under 15 USC 1681b ( f ), they have no right to report or share inaccurate information without a valid purpose. Since this false payment history is tied to incorrect reporting, it should have been removed long ago. Their refusal to take action makes them liable under 15 USC 1681n for willful violations and 15 USC 1681o for negligence. This isnt just about a simple errorits about their ongoing failure to follow the law and respect my rights as a consumer.
Product: Credit card or prepaid card

Sam's Club advertises a card thru Synchrony Bank offering a return of 5% on gas purchases, 3% on travel and 1% on everything else. I called and made sure that if I booked a trip through XXXX XXXX I would receive 3% if I paid with the card. I was assured this was the case. On XX/XX/XXXX The trip I booked was paid Using their card. On my next statement I observed that they had given me 1% for this trip, not the 3% I was told I should have gotten.  I filed a verbal and paper claim. Their response was everything was correct.  I called them and complained to a manager. I was told that although I had used a national service, XXXX XXXX, they are registered as a car company and as such I was ineligible for the 3%. I told them of the previous assurance and was told that because they aren't listed as a "Travel Agency" there was nothing to change. 1% was proper. I then asked if I booked through Sam's Club for travel would I get 3% and even then was told probably not as they aren't a "Travel Agency".  I asked how I, as a consumer, would know if a company was registered as a "Travel Agency" They said I would not. I asked if I could call them and ask if a particular company was a "Travel Agency" and was told until the filing came through they could not.  This, in my opinion, is a bait and switch advertising.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I received a payoff quote from XXXX for my automobile and I used it to refinance the car with XXXX XXXX. My XX/XX/2020 XXXX payment was due on XX/XX/2020 & XXXX told me car would be paid off by XX/XX/XXXX. 

On XX/XX/XXXX I contacted XXXX because the payment from XXXX looked like it had still not been processed by XXXX & I did not know if sending a payment would interfere with that process, but I knew I was approaching 30 days late - I didn't know if I was still being held to that due date or if they were aware I had refinanced and they were processing the payoff already. I was unsure of what I needed to do. The representative I spoke to advised me she would place an extension on the account and as long as they received it by the end of XXXX, I would not receive a delinquency. 

Between XX/XX/XXXX and XX/XX/XXXX I Continued to receive collection calls from XXXX and on XX/XX/XXXX I called XXXX again and spoke with another representative. I explained the situation again and asked again if I needed to send a payment. The representative again said they would notate the account. 

The account was paid off in full on XX/XX/XXXX, but then the first week of XXXX I received notification that I was reported 30 days late for my XXXX payment by XXXX. I called XXXX on XX/XX/XXXX to dispute this with them, because surely this must be a mistake since I asked them how to handle this before I was 30 days late and they told me I would not be marked late if they received payment from XXXX  by XX/XX/XXXX and they received payment from XXXX  on XX/XX/XXXX. XXXX opened a dispute and I just received the results and they reported to me that they found they reported the 30 days late correctly. 

This is absolutely egregious. XXXX is a sub-prime auto finance company and I accepted them as my lender after a bankruptcy with the intention of working towards refinance. I worked hard for many months by paying on time to rebuild my credit and be able to refinance with a different company at a better rate, only for them to ding me as 30 days late after they told me how to handle my payoff payment with my new lender. That is absolutely unfair. Now when I attempt to purchase a house I will have a recent 30 day late on my credit that is inaccurate. I need this removed - it is absolutely incorrect and unfair. 

XXXX 's phone number is XXXX. I have attached our verizon cell phone records that reflect the calls I made to XXXX on XX/XX/XXXX from my husband 's cellphone XXXX and on XX/XX/XXXX from my cellphone XXXX. Had the representative that I talked to on XX/XX/XXXX at XXXX properly put in my payment extension OR properly notified me to make a payment despite the pending payoff, this situation would have been avoided.
Product: Debt collection

This company is serving papers to my husband whom Im legally separated from rental property in XXXX North Carolina, that I dont live at. My mailing address and living address are both different from whatever address they are using to sue me and try to collect judgments. I was also the victim of credit card fraud massively in 2019 with all my other creditors, and had put a block on my credit at that point because someone else charged all of the debt and I do not owe it.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 15 USC 1681 section 602A states I have the right to privacy. And according to 15 USC 1681eb they are suppose to ensure this whenever the consumer reporting agency prepares a consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for car loan with XXXX finance institution and application was sent to several institutions.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Paid cash the day of procedure ( couldn't have procedure without paying upfront ), Was given a receipt but can't find and now they are saying I never paid.
Product: Credit card or prepaid card

USAA made XXXX+ worth of high interest withdrawals from my credit card account without my authorization or consent. 

The charges were made due to my car loan being incorrectly linked to my defunct savings account. I did not authorize the advances nor would they have been necessary if my loan had been correctly set up to draw from checking. 

The advances came with high interest and convenience fees. I disputed the original charges on XX/XX/XXXX and had them removed only for them to be withdrawn again with additional fees on XX/XX/XXXX.
Product: Mortgage

I HAVE MADE SEVERAL ATTEMPTS TO SE ND OCWEN FINANCIAL CORPORATION  A LOAN MODIFICATION PACKET. EACH METHOD OF DELIVERY THEY CLAIM TO NOT RECIEVE THE DOCUMENTS TO COMPLETE THE LOAN MODIFICATION. AND WHEN THEY ASKED FOR ADDITIONAL INFORMATION IT IS ALMOST IMPOSSIBLE TO GET THEM ANY DOCUMENTS. IT ALMOST SEEMS AS THEY ARE TRYING TO FORCE ME INTO FORECLOSURE. I AM SENDING THEM A COMPLETED LOAN MODIFICATION PACKET TODAY AND ATTACHING THIS COMPLAINT TO THE PACKET. I WILL SEND IT CERTIFIED MAIL ON  X/XX/2017    BY WAY OF US POSTAL SERVICE AND WILL SECURE A COMFIRMATION OF DELIVERY. I HAVE FAXED DOCUMENT TO THEM, MAILED THEM CERTIFIED, AND EMAILED THEM TO THE COMPANY. THEY HAVE SUPPLIED ME WITH A LOAN CONSELOR BUT HE IS NEVER AVAILABLE FOR 2 MONTHS I HAVE NEVER SPOKEN WITH HIM AND HE NEVER RETURNS ANY OF MY CALLS ... ..
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX doesnt have consent to furnish anything to my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 XXXXXXXX XXXX XXXX i reported to experian that this account was showing inaccurated amounton my report causing negative impact on my score the account is closed it should be at a XXXX balance its showing XXXX dollar owed and its been updated monthly as late payment nothing never was updated and this account per nys law is pass three years old cease collection active on account
Product: Credit card

I signed up for the XXXX XXXX XXXX XXXXXXXX credit card with Comenity Bank on XXXX. On XX/XX/XXXX I added my XXXX XXXX  XXXX checking account information to the Payboo credit card with Comenity Bank. 

I didn't buy anything for over a year and then I made a ~ {$3000.00} purchase from XXXX XXXX  XXXX. I received bill notifications from Comenity but assumed that the bill would be paid when it came due. In the bill statement there was never a suggestion that I was or was not signed up for automatic payment or that I could be. When I received an email notification from Comenity that my bill was overdue I immediately called and gave them my bank information to pay the bill. They waived the {$30.00} fee but refused to waive the $ XXXX finance charge ( on XX/XX/XXXX they added a {$2.00} minimum interest charge ). The agent helped me write a note explaining the situation to " someone '' at Comenity who might be able to help but I never heard back. 

When I spoke to a supervisor on XX/XX/XXXX she said that they had posted a response on my Comenity account ( why I would ever go there seems not to have been a question for them because they never sent me an email message telling me I had a message in my Comenity account ). I read the message today and the reason they gave for refusing to waive the finance charge was : " We are unable to remove finance charges because they are accurate. '' The supervisor also made it clear that even if I had signed up for automatic payment if I hadn't made a purchase within about 6 months of signing up the automatic payment provision would have lapsed. In other words, damned if I do and damned if I don't. 

I suggested to the supervisor that they could waive the payment but she said that was impossible. I suggested that they could credit my account with that amount but she said that was impossible. I also told her that I'm XXXX years old and things slipped my mind sometimes and she said " we're all getting older ''. I told her I would be contacting CFPB and she didn't seem to care. 

Is my complaint justifiable? Since this complaint will be going to Comenity I want to add : Justifiable or not this is not customer " service ''.
Product: Credit card

I paid my Macy 's credit card in full on XXXX XXXX, 2016. I also closed my account, requested and received a letter confirming this. On my XXXX 2016 statement, they showed my payment in full zeroing out the account, but they then assessed a finance charge of e of {$13.00}. On the XXXX XXXX statement, they assessed another {$2.00} fee, now totaling charges of {$15.00}. On the XXXX 2016 statement, they charged a {$17.00} fee, bringing the total to {$33.00}. I called on XXXX XXXX and asked that the total charges of {$33.00} be removed and a zero balance letter be sent to me. She assured me my balance was {$0.00}, and I received a copy of the zero letter. I checked my account on XXXX XXXX, 2016, and I still have a balance of {$19.00}. I called XXXX XXXX and was told they would remove the {$19.00} to zero out my account. I received the employee 's id # and name. I forgot to mention that they had a credit collection agency call and try to collect this amount from me. I have never had a collection agency call me, and I was very upset about this. I believe this is very poor customer service. I paid off several other accounts when I paid Macy 's off, and had no problems. I cancelled this card because of the poor customer service.
Product: Money transfer, virtual currency, or money service

Being a frequent user of Venmo, I was shocked and outraged that Venmo took {$850.00} out of my account, without my permission, to reimburse someone I have never had a transaction with, who had either scammed me, or was another victim of this scam. I reached out to the Venmo customer service team on multiple occasions and was looped in circles without anyone providing an explanation or solution. 

As Venmo can clearly see when looking at my account history, I received {$850.00} from a person named XXXX who then requested the same amount sent back, saying that she had sent it in error to me. I looked at her profile, and since it appeared legitimate, I completed her request to return the {$850.00} back to her, evening out my account to where it had been before the two transactions. 

Then, a few weeks later, " Venmo Disputes '' took {$850.00} out of my account, claiming that it was the final resolution to a dispute that was filed by someone named XXXX, who my account shows is not someone I have ever had a transaction with. If this XXXX was a victim of this scam as well, her reimbursement should not be coming out of my personal account balance. 

Any time I called customer service, the agent looked through my account and understood the situation, recognizing that I should not be held liable for that money. However, they could not do anything about it, since it needed to be handled by the Venmo Disputes department, who are not available by phone. The agent would " reescalate the case '' with their thorough notes on our conversation, but any responses from the Venmo Dispute team were fully automated and did not address my questions whatsoever. They merely stated that they had fought on my behalf, but did not win, so the case was closed. 

Venmo taking money out of my personal account to contribute to this scam is completely unacceptable and a poor business practice. I should by no means be held liable to return {$850.00} to anyone.
Product: Credit card

I did a credit card balance transfer from XXXX ( XXXX ) to Barclays Bank Delaware on XXXX/XXXX/16 for {$1100.00} the money was never credited to XXXX we were charged late fees from them and the worse part is that Barclays Bank deducted {$2000.00} from our checking account without our authorization ( I 'm attaching XXXX statement ) ( I did a previous deduction authorization on other credit card I have with them, but not in this XXXX ) and we do n't know the reason how they get to that amount ; now, up to today there is no trace of the payment made by Barclays and what is worst our money is still lost and we have to pay our bills.
Product: Bank account or service

Early Warning is reporting a fraud situation completely barring me from opening a bank account. I was a victim of someone who tried to redeposit a check i had previously deposited by mobile phone
Product: Checking or savings account

Closed account on XX/XX/year>. Some time in XXXX Chase Bank received funds from XXXX XXXX ( refund ) to me, funds were put back on my ATM card. A check was mailed to me that I never received, my mailing address changed. I contacted Chase about the funds, contacted XXXX. Bottom line I getting a runaround. These companies think they can tell a XXXX citizen anything being advanced in age doesnt make a person stupid
Product: Mortgage

Rocket 's escrow team has made many errors in inputting our home value which has caused our mortgage to increase by {$300.00} with added late fees that we can not pay. Due to Rockets continued mistakes after multiple attempts at requesting attention to the report, and many wasted hours, we are still looking at a delinquent account and are simply told we have to pay this incorrect mortgage amount. We have had a mortgage amount of $ XXXX since we purchased our home XXXX XXXX and we overpaid escrow by over {$2000.00} last year. Since we have updated our tax records ( in XX/XX/XXXX ), our mortgage should be less than what we have been paying ( $ XXXX ) to reflect 50 % tax exemption. 

Rather XXXX XXXX, we receive a notice reporting our escrow analysis caused our mortgage increased to {$1500.00}. 

Again, XXXX XXXX we receive a notice reporting our mortgage continues to be the incorrect amount of $ XXXXbut includes late fees and " other fees '' causing our total owed to be {$1700.00}. 

XXXX XXXX we receive notice we continue to owe {$1600.00} We spoke to many rocket call agents who simply told us we had to pay this incorrect mortgage and legally it takes 30 days to change a mortgage payment. We explained that is irrelevant to our situation as this is rockets errors and mistakes. Our attempts at getting Rocket to fix these mistakes continue to remained ignored. 

Finally XXXX XXXX XXXX XXXX XXXX ( escalation specialist ) stated he would be able to assist us and fix our account by XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX called, reported he has not had a chance to review issues but will be back in touch XXXX XXXX. I agreed that would be okay but still needed explanations for the 3 incorrect escrow analysis and findings for why our home value is incorrectly assessed at {$440000.00}. 

XXXX XXXX XXXX XXXX called stating escrow analysis still not completed. Stated it would be completed by XXXX XXXX XXXX XXXX Servicing Escalation Specialist Rocket Mortgage T ( XXXX ) XXXXXXXX XXXX ( XXXX ) XXXX
Product: Credit card

The XXXX XXXX Credit card was owned and managed by XXXX XXXX. I was at one time an XXXX XXXX XXXX XXXX. I canceled my XXXX XXXX credit card several months ago. Apparently, the XXXX XXXX card has recently been purchased by Barclaycard. Without asking, Barclaycard sent me another card, on the account that I had canceled. I did not activate this new card or reopen a new account. My prior account had already been closed and canceled by me. 

Barclaycard is now saying they will charge me an annual fee on this new card - the one that I canceled and never reapplied for. Basically, they are starting a line of credit in my name, that has an annual fee attached, without asking, and on the basis of an account I had previously closed. I will call and cancel the already canceled card once more, but I should not have to take time to do this again. Additionally, how do I know they will not reactivate my account again without permission? Please address this unethical, and I assume illegal activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union credit company XXXX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I 've sent letters out about removing theses items and got no response back at all