23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter to LCI challenging the validity of these alleged bankruptcies they have listed on my reports. I recently Challenged this same account with the credit bureaus, and they came back stating that they have verified this account with LCI. I have gone to the courthouse, and they have also stated they did NOT verify this information. I requested from LCI to please send me whatever documents of information they have personally used to verify these alleged bankruptcies, immediately. If they can not produce such documents these bankruptcies needs to be removed from my file as it is defaming my character as well as update the credit bureaus. As of XX/XX/XXXX I have yet to get a response from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, Account number : XXXX Loan : XXXX CD : XXXX Issuing bank XXXX XXXX XXXXXXXX. 
Estimated Payout : {$520.00} Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MI, XXXX Social Security Number : XXXX Since XX/XX/2023, My self credit builder account has been closed and after submitting documents required by self to verify my identity they have still been reviewing my account for over a month now, although my payout should have been sent to be by XX/XX/ 2023. 
I have contacted Self several times through email and have also called customer support, when emailing them I get the same message claiming that they can not tell me how long the review process will take and will not let me know if there is any further documentation or verification I can submit. When I call customer support I am told that the department that handles the reviews is not available to talk on the phone at all and will not be taking calls in the future whatsoever. 
I have done everything on my end to get my money released back to me but to no avail. 
If there is any way I can get any further help with this issue please let me know
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recently examined my credit report and have noticed some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no idea who would have admittance to my credit. Unfortunately, due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have these derogatory accounts removed from my credit file.
Product: Money transfer, virtual currency, or money service

I have been using cash app and multiple refunds never went through
Product: Debt collection

I was contacted by email from a company who is trying to collect my adult son 's old credit card debt. I have never given them my email address or given authorization for them to contact me about my son 's purported debt. 

In the email, I was astounded to see that they provided in-depth details about my XXXX son 's account, credit, and collection information. When I asked him about it, he stated, " That's the XXXX company to buy the debt for that card. That was a {$400.00} card that they said I owed {$1200.00} on after interest. '' I can't believe they 1 ) contacted me without prior authorization, 2 ) used my personal email address without my authorization, 3 ) supplied detailed credit information for someone that is not me, and 4 ) were attempting to collect a debt, not just seeking contact information for my adult son. 

I have attached the original email they sent to me and also a copy of the response I have sent back to them.
Product: Credit reporting or other personal consumer reports

I recently submitted a complaint on Equifax in regards to inaccurate and incomplete information on my credit report. I even uploaded the dispute together with XXXX forms of identification. They claim that I did not identify myself by providing XXXX forms of ID so they can not conduct the investigation. I did in fact send them a copy of XXXX forms of ID. Here 's the complaint number XXXX. I still have not received the investigation results in the mail and it has been more than XXXX  days since the dispute and complaint. I demand to be sent the results immediately.
Product: Debt collection

I understand that as per FCRA 605B, it's essential to remove any erroneous accounts from my credit report. Could you please review the documents? I've noticed that several of the listed accounts seem to be inaccurate, and this is worrying me.
Product: Credit reporting or other personal consumer reports

I recently reviewed again my credit report and it still shows unverified and inaccurate information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Product: Credit reporting or other personal consumer reports

I notified all XXXX  credit bureaus of falsely reported information on my reports and they all failed to investigate and respond within 30 days. I have also contacted the furnishers of the information and they also failed to respond in 30 days. The FCRA states that if they do not complete their investigation in 30 days then they must delete the information in question. I have requested an investigation and their findings and I have not heard anything back from either bureau. I also sent them all documents needed to verify my identity as well as a detailed description of what's wrong and they failed on each account to correct the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX send a letter to all Three Major Credit Bureaus to inform that due to COVID i had a no payment requirement from XXXX through XXXX. Payments should be changed from late payments - XXXX shows 30 days late, XXXX through XXXX shows 60 days late. THis should be changed to on Time or NA so that it does not impact my score. I have been negatively impacted and it is affecting my ability to obtain credit for a home. XXXX XXXX send notification to XXXX, Transunion and XXXX so that it can be updated. Please remove this inaccurate information from my credit report immediately. 
This account was handled incorrectly with XXXX XXXX causing me to pay more than what i had to pay every month. XXXX XXXX agreed to remove the late payments and update as positive. Please update the late payments from XXXX through XXXX.
Product: Mortgage

I am writing to file a formal complaint against NewRez Mortgage regarding their failure to properly apply my payments to the principal balance of my mortgage loan, as per my instructions.I have an active mortgage account with NewRez, and I make bi-weekly payments to stay ahead on my loan. In addition to my regular payments, I include an additional {$500.00} with each payment, which I have explicitly directed to be applied toward the principal balance. However, upon reviewing my recent statements, I have discovered that these additional payments are not being applied as instructed. 
I have contacted NewRez Mortgage multiple times to address this issue, but I have not received a satisfactory resolution. Their mishandling of my payments is a breach of trust and could negatively affect my financial goals and mortgage payoff timeline. 
To resolve this issue, I respectfully request the following : A detailed accounting of all payments made on my mortgage, showing the application of each payment to principal, interest, escrow, and fees. 
Immediate application of all additional payments to the principal balance as instructed. 
Written confirmation that future payments will be applied correctly according to my instructions.I believe that NewRez Mortgage 's actions may also violate federal mortgage servicing rules, which require servicers to process payments promptly and as instructed by borrowers.Please find attached copies of my payment records, correspondence with NewRez, and any other supporting documentation to aid in your investigation of this matter.I believe that NewRez Mortgage 's actions may also violate federal mortgage servicing rules, which require servicers to process payments promptly and as instructed by borrowers. 
Please find attached copies of my payment records, correspondence with NewRez, and any other supporting documentation to aid in your investigation of this matter. 
I kindly request your assistance in resolving this issue promptly and ensuring that NewRez Mortgage adheres to proper payment processing standards
Product: Credit reporting, credit repair services, or other personal consumer reports

The Russell Collection Agency is reporting a collections account that has been included in my bankruptcy. They have two accounts on my credit reports : {$90.00} Opened XX/XX/XXXX ( 6 mos ) Account status Open Type No Info Responsibility Individual Account. 
Remarks Consumer disputes this account information Collection account Original Creditor Name XXXX XXXX XXXX Closed No Info You could dispute an error with equifax SEE AN ERROR? 
If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

GO TO XXXX Creditor Information RUSSELL COLLECTION A G-XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Overview You've paid off 0 % of your collection amount. 
Balance {$29.00} Highest Balance {$29.00} Opened XX/XX/XXXX ( 6 mos ) Account status Open Type No Info Responsibility Individual Account. 
Remarks Consumer disputes this account information Collection account Original Creditor Name XXXX XXXX XXXX Closed No Info You could dispute an error with equifax SEE AN ERROR? 
If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

GO TO XXXX Creditor Information RUSSELL COLLECTION A G-XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, has violated my rights. 

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
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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: Checking or savings account

Due to Citi Bank freezing my funds and refusing to close my account I was unable to conduct business, pay bills, pay rent, pay loans, pay employees etc. 
My credit has been effected negatively in a big way ; now I am unable to conduct my buisness or apply for loans. 
as of XX/XX/2018 I have not received my money. 

The bankers in the back office were rude and not helpful. 
I expect the gentleman I spoke with on XX/XX/XXXX, who was unprofessional and rude to be talked to and it fired ; I will be waiting for a letter of apology from him as well. This man took out a personal vendetta against me and refused to release my money. 
He is responsible for this entire issue. As an employee of Citi bank the bank will now be healed responsible for his actions and the negative impact on my credit score.
Product: Mortgage

I had a payment of {$53000.00} sent overnight to Nationstar Mortgage , LLC. THe addressed used was the address on the website to accept overnight payments. It was received by their mailroom at XXXX on XX/XX/XXXX. After more than two hours over the last two days they still have not been able to tell me anything about this payment other than to ask if my check had cleared my account. I tried to remind them that this was a cashier 's check not a personal check. Today the call began approximately XXXX and ended at XXXX. I repeatedly asked for a supervisor, was promised I would be connected " now '' numerous times over a 30 minute time period, to a XXXX XXXX ... I was transferred to hold music and finally a XXXX XXXX answered. She finally took me up on my oft repeated offer to send a copy of the cashiers check and XXXX waybill to help her research department. She said it could take 7 days. This payment was to reduce the loan balance below what the net proceeds are for the sale of this home. If this payment is not applied the sale of the home could be cancelled. The title company handling the sale is waiting to hear that the payment was applied but soon the time limit for completion of the required paperwork will expire. The sale is to close XX/XX/XXXX. She verified that she had received the email containing the payment information.
Product: Credit card or prepaid card

I am filing a compliant for Synchrony Bank 's PayPal Mastercard 's Foreign Transaction Fee shady practice, which is deceiving to consumers. The fees NEVER appear on the " account activity '' page ( pdf print screen attached, both website and XXXX app ). 
According to their customer service, it is shown ONLY on the statement and it was also ONLY calculated at the end of each billing cycle. 

When I first applied for the card back in around XXXX, it was advertised with 0 % Foreign Transaction Fee ( pdf attached from XXXX search from their website : XXXX XXXX XXXXXXXX XXXX 

I never know nor recall being informed that the bank changed the fee from 0 % to 3 % ( I received NO e-mail notification for this bad news ). What happened here is that I went to a trip XXXX  in XXXX since XXXX XXXX. I have been used this card as I thought it was 0 % foreign transaction fee. All the transactions accumulate showing the exchange rate based on XXXX 's exchange rate table with 0 % fee added. I checked the bank 's " account activity '' page EVERY SINGLE DAY to make sure no incorrect or fraudulent charges, but there was never any fees posted to the " account activity '' page. 

Checking " account activity '' has been my daily practice, as I rarely read statements since the " account activity '' should contain all " activities ''. When I opened the statement in XX/XX/XXXX, I am surprised that I have accumulated US {$69.00} in Foreign Transaction Fee in XXXX. I double checked the " account activity '' page and there was absolutely NO mention of any fees charged or posted. 

I contacted Synchrony Bank 's customer service on XX/XX/XXXX ( Account Associate : XXXX XXXX, Account ManageXXXX : XXXX XXXX  ). They said that the fee change notification was included in one of the statements in XX/XX/XXXX. I asked and emphasized that the fees were never shown on the " account activity '' page, and how can I suppose to know as I rarely read statements as I already take the " account activity '' page as all the activities happening in my account. The customer service team reiterated they correctly charged the fees and provided a link to their new fee schedule. They are unable to understand from customer 's point of view, their website has a FLAW ( fees are never shown in the account activity page ). 

If Synchrony Bank has included the fees up front following the transactions, or at least showed the fees in the " account activity ' page, I would have asked earlier and reconsidered whether to use this card for foreign transaction as I have other cards also with 0 % foreign transaction fee. 

Therefore, Synchrony Bank should be held accountable for their website 's FLAW ( whether or not intentional to deceive customer into believing it is 0 % foreign transaction fee ), and should reverse and refund me all the fees charged since the fee changed in XX/XX/XXXX ( totaling at least US {$69.00} in XXXX, plus all other pending charges that will have fees added in the next statement ).
Product: Debt collection

This company keeps calling me regarding someone else 's debt. I asked them to stop calling me because its has nothing to do with me. They advise they have me in a database as related to the person with a similar last name. I advised I don't have anything to do with their affairs. 
The lady started yelling at me and advised me she was trying to help me out. I was not yelling at her I was addressing my concerns in a calm voice. 
I told her she isn't helping me out because I do not owe her anything.She got upset and hung up on me. I wish she would keep that same energy and never call my phone again. 
They are harassing me.Seems their debt collection practices are in violation with Texas consumer law.
Product: Mortgage

I had a home loan held by Nationstar Mortgage, LLC, dba Mr. Cooper. I sold my home on XX/XX/2021. Mr. Cooper owes me an escrow refund of between {$2700.00} and {$2800.00}. This was communicated to me by the closing attorneys. As of XX/XX/2021, I had not received a copy of my check and I called Mr. Cooper. I had been in transit and feared that the check had been lost in the mail. As such, during our phone call, I asked that they cancel and re-issue the check. The refund check indeed showed up later that day. I called them back and customer service told me that the check had already been cancelled and re-issued, but that there was a five business day approval process and that it would be re-sent to me. 

As of XX/XX/2021, I have had not refund check issued. I have called Mr. Cooper customer service weekly, ever since, and every time, a customer service representative tells me that they have not found evidence of the reissuance but that they or their manager will call me back. I have never received a call back. On XX/XX/2021 at XXXX XXXX  EST, I called them again and spoke to a customer service agent named " XXXX '' ( spelling may be incorrect ) who told me that the check has never been reissued, but that she would properly have the check reissued and that it had to go through the five day approval process again. At this point, it has been over a month since the original reissuance request was made and it feels like I am getting the run-around. Nearly three thousand dollars of mine is being held and I very much need that money. At this point I am not sure where else to turn, but I want the company to be compelled to refund my money.
Product: Vehicle loan or lease

On XX/XX/XXXX, my vehicle was repossessed by Ally Bank, who is the lender on my car loan. The total amount due is {$1600.00} and {$730.00} in late fees totaling in {$2300.00}. After realizing my vehicle had been repossessed I contacted Ally Bank in attempt to pay my past due balance and redeem the vehicle, and obtain my personal items from the vehicle. I was transferred to the Redemption Department. The agent notified me that at that time, they have no information on the location of the vehicle at this time. The agent advised me to call back within two hours and they would have more information. Within the two hours I called back, after holding for 20 minutes an agent answered to take a message and someone would have to call me back within 24 hours. I requested information on the location of the vehicle in order to obtain my personal belongings, I was denied that information. I called back 3 more times. I was again asked for my information for a call back each time. After attempting to call for information over the duration of 10 hours, when I called back, I learned the redemption department was closed until Monday, which is two days away. I was never contacted ( 10 ) days prior to repossession of intent of repossession. I am being denied access to redeem the vehicle and denied the location of the vehicle in order to obtain my personal property. I believe I 'm being denied in order to accumulate more repossession and storage fees. They would n't even allow me to pay the past due balance.
Product: Credit reporting or other personal consumer reports

Ive made extensive efforts to have inaccurate information to be removed from my credit report. This includes inaccurate phone numbers, names, social security number and addresses. Ive sent Experian a copy of my FTC report they fixed most of the issues except the wrong addresses. Ive made phone calls, sent multiple letters to address this issue. I plan on taking legal action against Experian damaging my reputation and financial status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraud alert on my credit report. The below companies ran inquires without my permission. I disputed the below items with the credit bureau but nothing has changed. Anytime anything is done with my credit I am supposed to be contacted first. Please remove below inquires. Thanks XXXX XXXX Automotive XX/XX/XXXXXXXX XXXX BankXX/XX/XXXX XXXX Finance XX/XX/XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX Real Estate/Public Accommodations XX/XX/XXXX ALLY FINAN I National Credit Cards/Airlines XX/XX/XXXX
Product: Credit card

I was playing a phone game, " XXXX XXXX '' through XXXX XXXX. They had issued refunds ( my withdrawals of money ) to my XXXX account which is reflective on my XXXX account. My credit card company, XXXX Chase Rewards never received the attached refunds. I have been contacting both Chase and XXXX and they continue to point the finger at each other. XXXX says Chase needs to " approve '' the pending authorization for refunds. Chase says it is automated and they do not see any pending refunds from XXXX. I need help. I have had Chase and XXXX speak to each other XXXX times and am calling them every other day. I do not know where else to turn..