23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I purchased a home in XXXX Ga ; closing XXXX XXXX2023 My monthly mortgage was based on credit score, debt to income ratio e.t.c at {$1700.00} per month. 
In XX/XX/2023 I received a noticed from Amerisave loan servicing center indicating that my mortgage have increase in the amount of {$1900.00} ; which is rufflly {$2000.00} a month. 
Being that I am XXXX and on a fixed income ; this change in monthly mortgage payments have made my mortgage unaffordable ; being that I do have other calculated monthly expenses; such as utilities, insurance, food and the expenses of taking care of my family. 
I have spoken to XXXX loan servicing center on more than one ocassion, only to be told that a ticket will be created for some one to call me back with a logical explination. 
I got several calls from the servicing center ; but the reason they all gave me for the increase made no sense ; which was their analysis estimated my tax will increase as well as my home owners XXXX, and pmi I contact the XXXX XXXX Tax office in XXXX Ga, and they said that there have been not tax income estimation done for the year yet, and I also contacted the home owners ins company XXXX XXXX ; who also said there have been no increase. 
I have also tried calling the amerisave Loan office mortgage ; the representatives that help me with the loan process ; can not be reached or no longer works for the office. 
I pretty much emptied out my savings to purchase this home for my family ; with the plan to start rebuilding my savings ; well that plan is out of the window now ; it will take much longer to save.
Product: Debt collection

ARS is in violation of FCRA, FDCPA as well as HIPPA laws! This company has not provided proof that I owe them any debt by way of contract. They also are in violation of the Gramm-leach-Bliley Act for sharing my information with anyone before getting my prior expressed permission or giving me the option to opt-out of third party sharing of any alleged debt/information. They are also furnishing this alleged debt ( account : XXXX ) inconsistently on all 3 credit bureaus which is a violation that can be remedied with an immediate deletion of the account and no reinsertion! This account is causing severe damage to my finances!
Product: Payday loan, title loan, or personal loan

NetCredit sent a notice of adverse action well outside of the window required under CFPB rules. The notice of adverse action should be sent within 30 days of a denied application and I received the notice today, XX/XX/XXXX, for an application for pre-qualification made in XXXX of this year. 

" We are writing to you with information about your application with NetCredit on XX/XX/2019. Due to an internal error, this notice was not sent immediately after a decision on your application was made. As a reminder, you are entitled to a free copy of your credit report that was used in our decision-making process. If you have any questions about this notice, please contact NetCredit directly at the number listed below. 
Date : XX/XX/2019, XXXX XXXX Central Time "
Product: Credit reporting 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. 
Account name : XXXX XXXX XXXXXXXX Account name : XXXX  XXXX XXXX Account name : XXXX XXXX  Account name : XXXX Account name : XXXX Account name : XXXX XXXX XXXX Account name : 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. Ive been working hard on purchasing my first home with my daughter. Being a single father comes with a lot of hard work, I just want the best for my child. Due to all this ive been stuck between a rock and hard place. 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: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I noticed I had XXXX late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on a payment. This account XXXX  account number XXXX PLEASE INVESTIGATE and provide proof with statements showing that these payments were late if proof can not be provided I demand these late payments be updated TO ON-TIME as they should be because I WAS NEVER LATE. This account is not accurate Experian states I was late XXXX however XXXX and XXXX states I was never late. This is a violation of the Fair Credit Reporting Act. 

15.US Code 1681e- Compliance for Accurate reporting.
Product: Vehicle loan or lease

I paid off the lease in full on XX/XX/XXXX as I was planning on selling the car to the local XXXX dealership. After I paid the lease off the dealership said I would need to wait for the title and that it would be better to reverse the final payoff and they would take the car in on trade. They called on XX/XX/XXXX for me and requested that the final payment I made of {$25000.00} be reversed. I authorized it over the phone and they told me they would send me a check within 21 days. I called Mercedes Benz Financial XX/XX/XXXX and spoke to XXXX who told me they mailed me a check on XX/XX/XXXX to my home address. I checked with my local post office since that was too long for mail to take and was told that it was not in that days mail. I called back on XX/XX/XXXX and spoke with XXXX who told me again that they showed the check was mailed to my home address on XX/XX/XXXX and after I told her I had not received it she said that I could request a new check and that they would overnight it to me but we agreed to wait until Mon XX/XX/XXXX to see if the original check showed up and that she would call me to see at XXXX. She never called me the entire day and I still do not have the check so I called back again on XX/XX/XXXX and spoke to XXXX. I requested to speak to a manages as it was my XXXX call and I was getting no resolve and they owe me a considerable amount of money that frankley should not be sent regular mail ion the first place. I them went through it all XXXX XXXX again and she put me on hold and came back and told me that the money is not due to me and that they sent it to the local dealership on XX/XX/XXXX, I checked with the locak dealership and they have never received the money. I formally ask Mercedes Benz Financial to return my money in the amount of {$25000.00} immediately via overnight to my home address as this is unreasonable and at this point they are saying they gave it to someone else.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report 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 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding inaccurate information on my credit report. After a thorough review, I noticed several late payment entries that I believe are incorrect. Over a month ago, I sent correspondence disputing these entries and requesting validation, but unfortunately, I have not received a response or satisfactory resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a client of XXXX XXXX XXXX for more than 4 years. I don't escrow funds with them. I pay for my insurance/taxes out of pocket. In XXXX of 2021, XXXX XXXX XXXX decided to send XXXX XXXX more than {$3000.00} for insurance. I have always paid my policy out of pocket. XXXX XXXX has emailed, mailed and faxed the copy of my proof of insurance many times. XXXX XXXX they haven't recieved it. XXXX XXXX Mailed back a check in XXXX to refund the amount they sent. XXXX says it was cashed, then not cashed. XXXX XXXX sent proof of payment via email, fax and mail. NO response. XXXX has sense taken all my monthly payments and applied them to the negative escrow balance from the check they sent to XXXX XXXX. They have sense reported me to the credit agencies for 30 and 60 days late. I have made my monthly payments every month since the start of all of this. They have all my funds and haven't applied them to my payment. XXXX XXXX resent the check with a letter stating errors and omissions that it was their fault and the check was returned. STILL NOTHING. I have put in over 50 hours trying to resolve this over almost 5 months. My credit score was a XXXX and is now XXXX because of this. I have been penalized for NOTHING I did. It wasn't my fault they sent funds and I have been left trying to resolve, have negative credit reporting and have spent more than 50 hours of my work time handling a situation that should never happened. I have talked to hunderds of people at XXXX and still no resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to dispute with XXXX Trans Union & XXXX on many occasions trying to get my personal information removed & they refused to remove it. And account to 15usc1681 I didnt give anyone written permission to furnish anything on my credit report.
Product: Debt collection

National Credit Systems ( debt collection company ) attempted wrongfully obtaining a double amount of my initial debt owed by posting the same charges of {$500.00} and {$1500.00} from the same company two times : 1 ) XX/XX/21 ( 1st time the {$500.00} and {$1500.00} amounts posted ) and 2 ) XX/XX/21 ( 2nd time the {$500.00} and {$1500.00} amounts posted ). As per the itemized list of charges provided by the debt collector via email ( documents that can be provided upon request ) on XX/XX/21, I owed a total amount of {$2000.00}. I then made an initial payment of {$50.00}, bringing it to {$2000.00}. However, on XX/XX/21, there was a change on my XXXX credit report, stating that there was a new posting of the {$500.00} and {$1500.00}, which had been already claimed by the same company and debt collector that I was working to pay off. This " new '' debt posting brought my cumulative debt total to {$4000.00}. This is a breach in my rights as a consumer under the FTC laws and guidelines and would like for the National Credit Systems, as well as, XXXX XXXX XXXX XXXX, to both be investigated in this fraudulent, unlawful scheme as my rights have been breached.
Product: Student loan

bait and switch company. They presented me with a 4.75 % rate when I pre-qualified. Then once I hard checked and my credit score went down ( meaning its harder to get a better rate from a competitor ) they then raised their rate. They said for mine it was because they couldn't verify all of my income ( $ XXXX ), which was a lie because I showed my offer letter, vesting schedule for stocks, planned ( guaranteed bonus ' ), stock XXXX XXXX account, pay stubs, and had employed for more than a year. 

HOWEVER, the illegal part was that when I went in and created a new application, with the lower $ XXXX income, I received a lower APR than they offered me on my hard checked application ( greater than .8 % difference ). The know that they are bringing people in at a lower than realistic rate, then increasing the rate once they hard check because they've impacted their credit negatively after. 

Put in a formal request from SoFi and ask how many of the original rates are honored for individuals and what percent are increased. You'll find out how they are bait and switching hard working students with student loan debt. HORRIBLE COMPANY.

Check the screen shots. I adjusted the income from XXXX to XXXX on my new application, and received a lower rate than they offered me after the hard check. It's a ploy to get more people to do the hard credit check and commit. After that, they raise the rate! 

I checked on XXXX and it looks like MANY OTHER PEOPLE have the same issue with the company. this means its a deceptive trade practice! 

https : XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to obtain a full disclosure report with XXXX from LexisNexis since XX/XX/2017. After 5 calls to customer service I have yet to receive a copy of this report. I've spoken with several agents who assure the report will be either mailed or emailed within 7-10 days.
Product: Money transfer, virtual currency, or money service

Money Gram Transfer Issues - funds were never made available to the receiver on the disclosed date of availability. 

I made a money transfer through Money Gram on XX/XX/2022. According to the receipt, the transaction completed on XX/XX/XXXX and the fund will be available on my receiver account on XX/XX/XXXX. My receiver never received the money. I filed a complaint and I waited almost 90 days for the resolution. On XX/XX/XXXX, their investigation team made a conclusion that the error in fact occurred. Conclusion After completing our investigation, we have determined that an error may have in fact occurred with your transaction. We apologize for the delay in the funds being made available. Our records show that the transaction was successfully received on XXXX XX/XX/2022. As such, you are entitled to a refund of the transfer fee paid with this transaction, which was $ XXXX.They only refunded me the transfer fee which is {$0.00} because it was my first time using money gram and they have {$0.00} transfer fee promotion for the first time user. 
I was not happy with the resolution. I emailed their customer support and when called, they have put me on hold, transfer me to one department to another and told me that my case was closed. There is nothing I could do and to put another complaint and wait another 90 days. I put in another complaint on XX/XX/XXXX and never received any notification regarding the complaint except the confirmation email saying theyve received my complaint. And it has been 15 days since. I call again today and was put on hold, transfer from one department to another department again and again. I asked them to transfer me to the resolution department but my request got denied. I emailed them but no response back. I can not get to anywhere. This is frustrating.

I called and emailed them saying this have a proof of both me and my receiver bank statement from the month of XXXX. Money Gram took my money out but my receiver never received the funding. Their customer support can not help me with anything except putting me on hold and repeating the resolution. I would like to put a complaint against Money Gram. I believe I am not the only customer that being ripped off my this company. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union Corp., XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.
Product: Checking or savings account

Wells Fargo closed my account without letting me know they also was letting people send money from my XXXX  account
Product: Debt collection

The debt was paid off, however they are still reporting it as in collections. They say they have no record of payment. I did n't know I never received anything stating it was paid, as I paid it over the phone.
Product: Bank account or service

I took a loan against my 401 ( k ) for the purchase of my home. I made a principal reduction payment, using the bank 's specific form, having selected the " principal reduction '' box. My sizable ( to me ) check was cashed on XXXX/XXXX/16 and as of XXXX/XXXX/16 the payment still has not been credited to my loan. 
When I called to inquire, I was told that it would n't be until XX/XX/XXXX before I heard back. ( That 's a week at minimum of the money not earning interest in my own bank account and not detracting from interest on my loan. ) I was also told that there were a number of different avenues to resolution, including the possibility of having the payment applied to the principal. I then asked the phone rep to check my XXXX/XXXX/16 payment, which had not been applied to the principal, rather it was applied as " pre-payments '' ( another option on the bank 's form ). I 'd previously assumed I 'd just checked the incorrect box, but due to the mis-handling of my current payment I believe the bank mis-appropriated that check also. 
I 've had numerous issues with this servicer that date back to the " how to '' call I made before making the decision to take this loan - I was mis-informed about how to make payments, full loan terms were not disclosed and not found on servicer 's website or in the loan docs. Now I can add what equates to grand theft to the list. 
I was told that my payment was sitting on a desk with a note on it that said " unprocessed. '' No, my check was absolutely processed, money processed right out of my own interest-bearing account to my 401 ( k ) servicer 's account. They likely have cost me additional interest since my XXXX/XXXX/16 payment as well.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$140.00} Late/Open XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} Charged off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$150.00} Late/Open XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5200.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX
Product: Checking or savings account

Since I have opened my account I have been plagued with issues such as the inability to properly access my account online or by phone. My account locks out and I attempt to follow the self-service steps to perform a password reset and I am told that I must call for an authorization code. Only to be met with a message that they are closed. I call in when they are open and am continuously met with a minimum 38 minute hold time and often the representative that answers is unable to assist or service my account. They then proceed to transfer me back to the IVR/menu and I have to go through the prompts and then be placed on another hold for over 38 minutes. Tonight alone I have spent over 2 hours combined on hold with no resolution to my problems. I've voiced my concerns to the bank and no one is interested in resolving my issue. The WRONG phone number is listed on my statements and when called direct me to a client managed department with no wait. They attempt to pull my account up and always transfer me back to the main menu where I have to manually input information to be thrown into a general queue with a magic wait time of at least 38 minutes. This is highly unacceptable.