23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I would like to make a complaint against Capital One Bank and their other division Capital One 360related to the transfer of my funds from a IRA 10 year CD to a IRA money market account. 

Around XXXX/XXXX/15 I mailed Capital One 360 the required form for a Trustee to Trustee transfer of the funds from a IRA CD with Capital One Bank that was maturing on XXXX/XXXX/15. 

On XXXX/XXXX/15 I called Capital One 360 to verify their receipt of the transfer form. They verified having received the transfer form and informed me it was signed, approved, and mailed to Capital One on XXXX/XXXX/15. 

On XXXX/XXXX/15 I called Capital One to see if they received the paper work from Capital One 360. 
I was informed they did not receive it and that the transfer form should have been mailed to Capital One not Capital One 360. I argued with the Representative that what she was telling me was incorrect and the form must be sent to Capital One 360 and they must sign it and then forward it to Capital One. 
She insisted that I mail a copy to Capital One which I did. 

In addition, on XXXX/XXXX/15, I called Capital One 360 and asked if they could fax the form to Capital One and they refused. 

On XXXX/XXXX/15 I received a message from Capital One to return their call. 

I called Capital One on XXXX/XXXX/15 and they inform me that could not accept the form I just mailed them because it was not signed and approved by CAPITAL ONE 360. which is what I tried to explain to the Capital One Representative on XXXX/XXXX/15. 

At this point I requested to talk to a supervisor at both divisions. 

After discussing what had transpired in the past it was agreed that Capital One 360 would fax the original form to Capital One today and confirm it by Email to me. Never received any confirmation. 
I would have expected at least XXXX of the supervisors ( XXXX ) would have folllowed up on my problem. 


Capital One said they did not receive the form from Capital One 360 because I had the wrong address of Capital One on the form, this is completely FALSE, because I put the address that Capital One gave me and is on all their correspondence XXXX XXXX XXXX XXXX. XXXX. In addition, if it was incorrect Capital One 360 should of corrected it. 

At this time I have no idea when I will have access to my money. 

Banks should be penalized for not making customers funds available because of their incompetence. 

My funds not being available when due has cause me major problems. 

I have another CD maturing on XXXX/XXXX/15 and because of the new IRA rules requiring trustee to trustee transfers for IRA rollovers. I would like written instructions from Capital One on how to get my money transfer to another institution on a timely basis. 

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

Hi I am XXXX XXXX. I live in XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. I was monitoring my credit report the other day and got shocked from the fact that someone applied for a credit card under my name. That was unfair to try to take advantage from my good credit history with my banks and apply for anything. I have been a victim of identity theft and i am submitting this report in order to dispute following account from my report. Dispute and remove following account from my credit report. XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

No response from each credit bureau, for my disputes
Product: Debt collection

My dispute is regarding : Financial Data Systems XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX Early XX/XX/XXXX Financial Data Systems XXXX XXXX XXXX XXXX, XXXX, and XXXX to report me for collections as owing {$90.00} in XXXX XXXX. They claimed that they sent me a notification regarding this debt in XX/XX/XXXX. I NEVER received any notification about this {$90.00} debt. The first I heard of it was when I was alerted of the collections on my credit report. 

Upon being made aware of this debt I immediately disputed it with all 3 credit bureaus. Both XXXX and XXXX removed the debt within 48hrs of my dispute. However, XXXX refuses to remove the debt. They state that " we have verified that this item has been reported correctly. '' Which is not true. This company never alerted me to this debt prior to putting me in collections. 

I called the company the week of XX/XX/XXXX. According to them the debt was from a service at XXXX XXXX XXXX in XX/XX/XXXX and they sent me a notice in the mail. Only 1 notice in XXXX, that's it. They never called me. I did not receive this notice at all. I believe they are lying. I gave the representative my phone number to have them call me back. No one called me back so far. I also filed a dispute with the company. I requested a dispute ID number so that I can call later to check the status. The representative said they don't have tracking numbers.
Product: Debt collection

I recently pulled my credit report again and noticed items that were marked in my identify case are still reporting. I will upload a identify theft report, lease, an social security card for more accurate update. I have incorrect name, address and employers. My only name is XXXX XXXX. My only address have been XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have serval accounts connected to inaccurate information on my credit report. which in violation my FCRA NO. XXXX rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted several times to remove a chapter XXXX bankruptcy from Equifax and XXXX. Now they call the dispute frivolous. XXXX  has already removed it. Under the FCR a chapter XXXX bankruptcy can stay on your report for UP TO 10 years however, there is no law stating is has to stay on ypur repprt for 10 years. My bankruptcy has been on my report for over 9 years. Filed XX/XX/2010. It is causing undue hardship as I try to navigate around it after nearly 10 years. I have filed multiple disputes to no avail. I am not getting the letters that these agencies promised to send out once they have completed their reviews. They are using XXXX XXXX to verify a bankruptcy when they should be using the courts. Please remove as no law abounds me to have this on my record 10 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Day. I am writing to have the items listed with my report deleted deleted from my credit profile. I am a victim of identity theft and did not make the charges. I ask that the items be deleted to correct my credit profile
Product: Credit reporting or other personal consumer reports

my personal and financial information was compromised without my authorization. 

the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. 

Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full
Product: Mortgage

On XX/XX/XXXX of this year I received a letter from Freedom Mortgage stating that I had a lapse in my homeowners insurance, and that they had purchased insurance to cover the gap. After speaking with my inurance, they confirmed that the policy had not been paid, and Freedom Mortgage was not listed as the mortgage company on the account. Freedom Mortgage representatives in their insurance department argued it was not their responsibility to change the insurance information when they purchase a mortgage. Their Director of customer service seems to think it was their responsibility in the attached email. However, I also refinanced less than 4 months prior to this incident, which probably should have prompted a review of the insurance information. 

Bottom line is my payment was not made on time by Freedom Mortgage and they purchased force placed insurance for my mortgage. It would appear, based on 12 CFR 1024.17 that their actions are in violation of the law. It clearly states that Freedom Mortgage is responsible for making timely payments, and can only purchase force placed insurance if they believe that the property has been abandoned or the policy was cancelled for a reason other than non-payment. 

In my communication with their director of customer service, XXXX XXXX, I informed him they were in violation, and requested they report themselves for this infraction. He declined. 

It would appear these are standard practices for Freedom Mortgage, so I can only assume they have violated this law on a broad scale. Please investigate and prosecute these infractions to the fullest extent of the law. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submit various disputes thru their system, the amount remain the same, even some have more than one status displayed. Ask various representative to explained why they said I have delinquent account when accounts are either closed of in good standing. 

Experian is punishing americans based on the history of the account no in the current status of the account, the credit score should be based and always been on how the account is standing at the day of the report been requested, Experian is dropping on average 100 points is in your history you had an account on a past due even if the account is in good standing, that drop will remain in the score for the next seven years making lenders to be misinformed as they were looking on the numbers, they dont believe that the account are in good standing when a customer will report to them rising interest or not approving credit, or make you look for a cosigner, even having the other 2 showing the account in good standing. 

My claim here is to seek help as this practice should not continue, history of the account shall remain, but credit bureaus shall show how the credit score is at the day, if at the time the credit was pulled and the account is in fact late or the new information hasnt received yet, good, but is the account is in good standing payment are update or account is closed even after been late for whatever agreement was done with the lender and client, credit bureau like Experian should take punishment in their hands. 

Make them fix the calculation to what is today, lenders will review history and add accordingly, but bureaus shouldnt drop point drastically based on the history instead of the current status. 

I have as per them 5 account in deficient, 4 of them has been closed for almost a year and 1 is in good standing and a wrong interpreted by the lender as this one is an education institution as a I am not out of school they shouldnt start charging me the deb.
Product: Mortgage

I am hoping that you may be able to help me settle a consumer matter involving myself and my mortgage servicing company, Mr. Cooper ( previously known as Nationstar Mortgage, LLC ), regarding the handling of my escrow account ( related to loan number XXXX. ) Mr. Cooper did not pay my homeowners insurance policy premium, which led to a lapse in coverage on my property from XX/XX/XXXX, to XX/XX/XXXX. Mr. Cooper did not inform me of this lapse until XX/XX/XXXX, by which time it was too late for me to rectify it. 

I have suffered financial penalties due to Mr. Coopers mishandling of this situation. For one, I could not get the same premium that I was offered by my insurance company in XX/XX/XXXX. At that time, my premium for 12 months of insurance would have been {$1700.00}. However, because Mr. Cooper did not pay the premium, I have a lapse on my record, and my new insurance policy is now {$2500.00}. I would like Mr. Cooper to re-imburse me for the {$810.00} difference in the insurance premium. 

Additionally, Mr. Cooper charged me for insurance that covered the period when my property did not have insurance coverage. The fee for that was {$1700.00}. I would like them to reverse this charge since they were the ones that did not pay my original insurance premium, which led to the lapse in insurance. 

This is upsetting to me for several reasons. An escrow account is a simple concept. Every month, I fulfill what is expected of me by paying my monthly payment. However, Mr. Cooper did not fulfill their end of the agreement by paying my insurance premium. As such, my house was not insured for a period of nine months. Additionally, I am being penalized through higher insurance premiums due to the lapse. A representative from Mr. Cooper told me on the phone that they did not realize that the insurance policy had lapsed until XX/XX/XXXX. 

When I discussed the matter with Mr. Cooper, they denied that this was their fault. I re-financed my mortgage in XX/XX/XXXX with XXXX XXXX and the servicing of the mortgage was subsequently transferred to Mr. Cooper in XX/XX/XXXX. Mr. Cooper claims that my former mortgage servicer did not transfer the correct insurance information which led to Mr. Cooper not making the payment. However, Mr. Coopers research team explained to me in writing that when my mortgage was transferred, Mr. Cooper received two insurance documents. One was for a policy that ran from XX/XX/XXXX to XX/XX/XXXX ( which was correct. ) The second document was for a policy that ran from XX/XX/XXXX to XX/XX/XXXX ( which was incorrect. ) Mr. Cooper admitted that the second document was not associated with my property and was for a different homeowner. It makes no sense to me that Mr. Cooper would use the incorrect document. Mr. Cooper appears to not have any internal controls in place to deal with this type of situation. I have included a letter I received from Mr. Coopers research department. 

I feel as though I am caught in the middle of two mortgage companies, each one pointing fingers at each other, while I am stuck in the middle. I am hoping that you can help me settle this matter.
Product: Credit card or prepaid card

I purchased XXXX prepaid cards and loaded them with XXXX dollars. They are from ( XXXX ) XXXX from netspend and ( XXXX ) XXXX from XXXX and I have reached out to both companies and all they did was gave me the runner round. I sent in all of the documentation regarding this issue and they said 5 days, and this has been going on for a month now. They asked if the cards was in my possession and told them they was. And the cards that I purchased has another name to these cards. So XXXX of the recipes are fading from being in my wallet. So the cards that I submitted will not be in my name and it will have someone else name on them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING ACT, XXXX XXXX XXXX XXXX XXXX has violated my right under 15 USC 1681 section 602A and 604A section 2 and 15 USC 1666B View attachments below
Product: Credit reporting or other personal consumer reports

Recently checking my credit report i noticed that ive been a victim of identity theft and found numerous credit inquiries i have no knowledge of, here are the inquiries that ive found : XXXX XXXX XX/XX/year>, XXXX XXXXXXXX XXXX XXXXXX/XX/year>, XXXX XXXX XXXX XX/XX/year>, please remove these fraudulent inquiries from my credit report. i also attached my identity theft report as well.
Product: Debt collection

Im not liable for this debt with I C System, I do not have a contract with I C System. They did not provide me with the original contract as I requested.
Product: Debt collection

this is not my debt. i currently have an account with XXXX XXXX but its a prepaid account. i believe this is a case of idenity thieft.
Product: Credit card

This mistaken late payment on my account is causing me considerable distress, especially considering my history of punctual payments. I am appealing you to correct this error promptly by removing it from my account, as it does not accurately reflect my payment habits.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account please investigate the unverifiable account : XXXX XXXX XXXX Balance : {$2.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the Fair Credit Reporting Act, XXXX Account # ending in XXXX has violated my rights. 

15 USC 1681 Section 602 states I have a right to privacy 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for a purpose.

15 USC 1681 Section 604a Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( e ) Indication of closure of account by consumer If a consumer reporting agency is notified pursuant to section 1681s2 ( a ) ( 4 ) of this title that a credit account of a consumer was voluntarily closed by the consumer, the agency shall indicate that fact in any consumer report that includes information related to the account.

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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.

I am requesting that this account be moved from my credit report due to SEVERAL consumer laws being violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my final attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX PLANET XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt or credit management

I enrolled in their program last XXXX 2016 regarding debt consolidation with a monthly fee and one of my creditors sued me.I am attaching my state court complain that has more details.
Product: Debt collection

In the XXXX my husband contacted Hunter Warfield collections in regards to an account that appears on our credit report. The company referred him to their legal department ( XXXX XXXX ) stating they are only the ones that control this account.My husband spent two days attempting to contact XXXX XXXX. He was eventually able to get a hold of someone via email. The company refused to settled and stated that the judgment amount was 9277.82 as of XX/XX/21. We do not have a Judgment on us at this time or any previous time. The wording used in the email defining this as a judgment was misrepresentation. I contacted the company on XX/XX/21 offering a settlement via email. They again refused to settle out .I requested validation of the debt. In return I received a copy of a lease and a letter stating the account and that as of XX/XX/21 the debt is 6475.91. The company misrepresented the amount owed and the fact that there was a judgment against us.
Product: Mortgage

Ocwen Loan Servicing keeps force-placing insurance on my account, which creates a negative balance in my impound account. They then sent me a notice that I am XXXX or more days past due. I contacted them and they " resolved '' the issue. Several months later they again force-placed insurance, again creating a negative impound account balance and I was forced to pay an additional {$180.00} ( that I did not owe ). They increased my monthly payment from {$1300.00} to {$1400.00}. I called multiple times with no resolution. I am still waiting for them to credit my impound back for the unwarranted force-placed insurance. I was told they would email me the escrow analysis and I have yet to receive it. I have provided them with my insurance binder several times for the time period they keep saying I had no insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violations remove the fraud alert i requested 60 days ago
Product: Credit reporting

The credit bureau did not perform a proper investigation of the public record that is on my file. I contacted the courthouse, and they advised me that they do not verify directly with the credit bureaus and that they do not have a file on me at my name and address and entire SSN number. So, I need to know how did they verify the inaccurate bankruptcy that is on my file? If it is through a third party, then that is in violation of the FCRA. I need for them to verify this with the courthouse. 
Furthermore, I asked them to perform another reinvestigation of the items on my credit report in accordance to the FCRA, Section 611, part B, subsection ( iii ). Please see the attached letter. They never sent me information that was required. This letter was sent to them certified.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has lied to the CFPB and Experian  credit rating agencies about the status of my account. XXXX states that my account was late. On two occasions XXXX incorrectly handled my homeowner 's insurance policy resulting in errors in calculating my escrow account which resulted in changes to my mortgage payment amounts. Given that I automatically pay my mortgage through my checking account XXXX 's mortgage payments are paid in time. 

However, XXXX has created a statement that was never sent to me that states they notified me of the error in their account. On the first occasion in 2018 Nationstar paid from escrow a duplicate payment for one home hazard policy. This occurred again in XXXX after repeated calls and notifications from me that I had paid the insurance policy in full directly with the insurance company. 

CFPB nor Experian  have adequately investigated the fraud and lies at XXXX. I am enclosing additional documentation from my account that shows the duplicate payments and if CFPB would like to see the malfeasance at Nationstar I would suggest a more comprehensive investigation into how XXXX is using inaccurate escrow calculations and false statements to steal money from homeowners and lock homeowners into high fee mortgages through fake credit reporting in collaboration with Experian and potentially other credit rating agencies for a fee. 

This is abhorrent in intolerable and should not be allowed by CFPB to continue. Now that we are in a pandemic crisis a financial disaster will be exploited by firms like XXXX and Experian. Experian and XXXX will contribute to the longest financial failure in this country as the true business practices are uncovered in this pandemic crisis and CFPB has a role to play to address and uncover the fraudulent business practices of these two firms.