23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX, my mortgage payment was deducted from my account and a check for {$890.00} was written to US BANK and sent to them. Apparently this check went to the wrong XXXX XXXX and the receiver was able to cash the check, which cleared my account on XX/XX/XXXX. 
I have been working with my online bill pay provider for the past few months trying to get this issue rectified. They have asked US BANK to sign a form stating they never received my payment. Without this form, my online bill pay provider can not release my funds back to me. US BANK has REFUSED to fill out the form. They have lied to us several times saying the form was mailed. It wasn't until TODAY ( XX/XX/XXXX ) a customer service manger got on the phone that we learned the head of  their Payments Received department refused to send the form back! 
So my money can not be returned and US Bank says our mortgage is in default. We need the money back to pay our mortgage and US Bank has been ABSOLUTELY UNPROFESSIONAL AND UNHELPFUL!
Product: Checking or savings account

Got an alert from Truist Bank indicating that {$2400.00} was being transferred from my savings account through XXXX. I immediately responded and told them it was not me. They indicated it was still in pending and would be reversed and I would get my money back. That did not happen. Have reported to FBI, local policy and done everything told to do including having to close all checking, savings and debit cards and get automated deductions to new accounts that had to be opened and talked to fraud department several times. They are trying to say I initiated the wire. I did not and do not use XXXX and actually asked several times for it to be removed from my account and they will not do that either. I have sent letters to legal departments of Truist and getting ready to send letters to Board of Directors but, of course, no response from any of the legal departments. I feel like they are calling me a liar and will not do their part and refund my money. There was an email address shown on the XXXX  transfer with my husband 's name. He does not do XXXX or any of the banking except use his debit card at ATM. They will not investigate where the money went or the email address given. It has nothing to do with us. I reported this was not me immediately.
Product: Credit card or prepaid card

on XX/XX/XXXX I made a payment. I expected the payment to be applied to my balance with a 0 % APR that expires on XX/XX/XXXX. At the time, I had three promotional balances. One at 0 % APR expiring on XX/XX/XXXX, one at 0 % APR expiring on XX/XX/XXXX, and one at 3.99 % expiring on XX/XX/XXXX. 

I expected my payment on XX/XX/XXXX of {$3300.00} to go towards the promotional rate expiring on XXXX XXXX, XXXX. But it was instead applied towards the balance with a 3.99 % rate. I called Sears credit card customer service, and they informed me that the payment is always applied towards the highest interest rate. So I did research, and I found several articles stating that the CARD Act requires payments to be applied to the highest APR first, then towards the remaining balances. But I read that the last two payment before the expiration of the promotional rate would be applied to the expiring balance. 

So on XX/XX/XXXX I made a payment {$3300.00} expecting the payment applied towards the promotional rate expiring on XX/XX/XXXX. But when the payment was applied, it went towards the promotional rate expiring on XX/XX/XXXX. 

I again called Sears Customer service, credit card is issued by Citi Bank, and again the representative told me the payment is applied towards the highest interest rate first. I was unhappy, and I requested to speak with a manager. The manager came on the line and I explained that I wanted to apply my last payment towards the expiring promotional balance. The manager, told me the same thing that the payment is applied to the highest rate due to the law. He said my balance was not a promotional balance, but a balance transfer, so the payment would apply to the highest APR balance. He kept emphasizing that I had balance transfers and not a promotional balance. But when I check my account online, it is clearly described as a promotional balance. 

By not applying it towards the expiring APR balance, the interest rate will jump to the standard interest rate will be 26.74 %. The manager explained that I could have waiting for the expiration date to pass and then my payments would have been applied to the balances I wanted. But this is not right. I want to apply the payments to the expiring promotional balances. 

I've recorded the call, and I have screen captures of my account clearly stating that these are promotional balances. 

I have already informed the manager that I will pay off the balance and cancel the credit card.
Product: Credit reporting or other personal consumer reports

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 Bureau 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 : 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX i as an account manager on the account opened by my wife with whom I separated in XXXX XXXX XXXX is the individual who opened a Delta Gold American Express card and a XXXX American Express card. I was added as an authorized user at one point. In XXXX I removed myself off the two accounts. I was advised by American Express credit Bureau department that I was no longer on the account and that I was not responsible for the debt as an authorized user, and since I was removed from the account and no longer an authorized user not responsible for the debt. I filed for divorce in XXXX. The account was not paid on by XXXX the account is past due and despite being past due since XXXX on both accounts American Express is reporting incorrectly that I am the individual on the Gold Delta American Express Card and delinquent on my credit report. I have called four more times and been told they are not reporting to the bureaus as I am not on the account nor responsible for the debt. XXXX has reported fraudulently I am past due on an account I am not on not responsible for
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX mom and I want my credit report to be fair, I recently got out of the XXXX due to XXXX upon finding out that unverified, invalid, and inaccurate information is on my report. I want my report to 100 % right. 

I have the right to privacy In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights XXXX 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions Thank you very much
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter to Ally Financial to provide proof of validation, requesting a copy of the application/form with my wet signature authorizing Ally Financial to pull my credit on XX/XX/XXXX, if no physical proof is provided to myself within 30 days to please remove this inquiry from my credit report immediately. 

They were unwilling to to provide a response to my request for physical proof such as a contract or authorization form or removed such item from reporting to XXXX, XXXX & XXXX as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX. XXXX XXXX auto fin # XXXX XXXX. XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by moreover than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall 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: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2019 FEDLOAN SERVICE # XXXX ADD A DEROGATORY MARK IN MY CREDIT REPORT AT XXXX UPON FURTHER RESEARCH THIS ACCOUNTWAS TRANSFERRED/HOLD AND I AM NOT LONGER RESPONSIBLE FOR THE ACCOUNT, DEBITORS CREDIT DID NOT VERIFY THIS COLLECTION. ALSO THERE'S WAS NOT WRITTEN FORM OF COMMUNICATION CONTRACT OR SIGNATURE FOR THIS ACCUSED DEBT AT ALL. A BILL WITHOUT A SIGNATURE DOES NOT VALIDATE THE DEBT AND ANYBODY CAN SEND A BILL AND SAY ITS MINE. ACCORDING TO THE FCRA FEDLOAN SERVICE HAS VIOLATE MY RIGHTS AS A CONSUMER AND I'M REQUESTING LEGAL ACTION TO REMOVE THIS ACCOUNT INMEDIATELY.
Product: Student loan

Due to covid I am not working and have XXXX income. They put the loan into forbearance for three months however the first time did so after I paid one month, refunded me, said my account was past due after it was refunded and made me pay and refused to credit me the month so in essence they gave me two months forbearance. I havent received unemployment although Ive been trying for over 4 months now. I have begged them in multiple emails and explained my situation since XXXX and now they said theres no forbearance left and if Im late they will immediately report to my credit so I use much needed funds to pay. Please help. In this time with no income and being unable to work due to being immunocompromised I am shocked that a company is this heartless. Regular loans forbear at XXXX  %. I do t even care about interest I just need a few months to catch up.
Product: Mortgage

On XX/XX/XXXX we sold our house in Texas. We had an escrow account and SunTrust our mortgage company was suppose to pay us the balance. 

They have 30 days to send us the funds and we still have not received them. The only letter received was dated XX/XX/XXXX stating that the check was returned die to the wrong address. They sent it to the house in which we sold. We leased back the house until XX/XX/XXXX. Then forwarded our mail. 

My complaint is that they have kept my money XXXX XXXX XXXX entirely to long and have not been compliant according to the law. They have given us the run around. We have contacted then 3 separate times. Please follow up on SunTrust and their misleading practice of reimbursement of escrow.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX  ( Opened XXXX XXXX, XXXX, Balance {$760.00} ), XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX, XXXX {$470.00} ), XXXXXXXX XXXX ( XXXX XXXX. XXXX, XXXX, Credit limit {$500.00} ) Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( XXXX ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO XXXX data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA XXXX, and or XXXX XXXX XXXX XXXX COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single XXXX even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Product: Debt collection

XXXX has REPEATEDLY called my father over my debt collection with them. They already have my name address and current phone number and now they have contacted my father and my brother already several times ... this is completely out of line. XXXX has contacted my father on XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX and the XXXX of 2019. To whom it may concern I have not given them any false information for them to think they need to contact my family members to contact or find me for a debt collection matter. XXXX has not contacted me in the past month. Please let me know what I need to do to get help with having this stopped IMMEDIATELY AND REPORTED TO THE CORRECT PERSON! 

Sincerely, A highly irritated, outraged customer who is highly disappointed with XXXX  's ways of dealing with their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently challenged the validity of XXXX XXXX / XXXX XXXX, XXXX Account # XXXX account thats being reported on my most recent credit report. Upon challenging this, XXXX deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing. If such documents can not be produced please DELETE this FRAUDULENT account from my credit report immediately. 

The following accounts are claiming to both own the same debt, with a balance. As you know, this is not possible and also a violation of my rights. Because of this, BOTH accounts needs to be removed from my credit report immediately due to you not properly validating the information in which a company has passed to you. Please delete immediately. When the requested above deletions are made, please mail me an updated copy of my credit report. 
Account XXXX : XXXX XXXX Account # XXXX Account XXXX : XXXXXXXX XXXX, XXXX Account # XXXX
Product: Mortgage

Complaint is about mortgage company Mr.Cooper. 

Resolution Letter XXXX ( The case number i was given ) The company closed my online account without giving me any reason. When i saw my account closed it was i contacted the company. The customer service rep could not get into my account. When they asked for the last 4 of SSN it seems there was an error on company 's part they had a digit wrong or probably they made it up just to give me XXXX and XXXX XXXX XXXX and XXXX since it seems like company has nothing better do with their time. 

I was asked to send a copy my SSN & DL which was done on XX/XX/XXXX. I was given a resolution date of XX/XX/XXXX. That's XXXX weeks. That is how much time it took them to verify my identity. I got a confirmation email from them that my identity is verified couple of days ago. 

Multiple customer service representatives gave me a date of XX/XX/XXXX. its XX/XX/XXXX today and company refuses to act on the issue. 

My loan is and XXXX  with a very low interest rate till XX/XX/2024. Company keeps on emailing me refinances options HELOC etc. It seems like account was shut down on purpose so that they can find a loophole to change my interest rate. I have been calling them emailing them but to no avail. 

I have not missed a single payment in last XXXX years. I have looked up previous refinance documents and my SSN is correct on all of them. Either it is an error on Company part or they just made this issue up to shut my account down to sell me their products.

Now after the verification Company took it to a completely different level they send me documents to review in my account which i can not even log into ( they know it ). It does not end there. They send me an email asking for my loan number which i have to log into my account again to see. Seems like the stupidity that this company can go to have no limits. I have spent hours trying to contact them through phone and email to resolve the issue and it has gone nowhere. After multiple emails back and forth I am told we are working on it and not given any time line in writing. I gave them every information they asked and it seems like they have no intent of fixing it.

Even if the issue is resolved I request you to take some kind of legal action against the company for causing me this distress. ( For example, making them pay a fine to any non -profit organization ). Otherwise they will do this to someone else.

Sincerely A frustrated customer of MrCooper
Product: Credit reporting or other personal consumer reports

Experian investigation on XX/XX/XXXX did not fix the blatant reporting errors from XXXX on my report despite me sending numerous proofs of my XXXX and XX/XX/XXXX payments to XXXX. XXXX has repeatedly misrepresented and falsely reported payment history. Information on my account with them to XXXX credit bureau experial entrancing credit bureau multiple times over the last twenty seven months. XXXX is engaging, and this deceptive credit practices in violation with FDCPA and is deliberately sabotaging my credit score blatantly misrepresenting current payments as late progress made with positive reporting of my payment history. It has repeatedly reported changes to payments received in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX. Please investigate XXXX credit reporting practice as they are deliberately causing irreparable harm to my credit. Furthermore the payments on XXXX website were on time and in deferment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX VT  XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX VT XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdrafts fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due lagged posting of charges and credits. The 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 or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX