23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Shellpoint put forced placed insurance on my account despite my lnsurance has never lapsed They illegally charged me semi monthly insurance premiums XX/XX/21 they charged me {$2300.00} XX/XX/21 they charged me {$130.00} XX/XX/21 they charged me {$120.00} XX/XX/21 they charged me {$120.00} XX/XX/21 they charged me {$120.00} XX/XX/21 they charged me {$120.00} XX/XX/21 they charged me {$120.00} XX/XX/21 they charged me {$120.00} For a total of {$3200.00} in forced placed insurance On XX/XX/21 I received a credit of {$840.00} On XX/XX/21 I received a credit of {$710.00} On XX/XX/21 I received a credit of {$1600.00} For a total credit of {$3200.00} Also on XX/XX/21 the same day I received my final credit Shellpoint illegally changed my fixed rate FHA XXXX XXXX XXXX XXXX from a fixed rate to a rears rate then changed my payment from my Reg monthly payment of {$300.00} per month to {$440.00} per month Is this legal??? they give me a credit for their illegally forced placed insurance then increase my monthly payment on the same day That's an increase of {$140.00} per month. 
for the 17 months I have left on my loan They gave me a credit on my account even though I requested a check They illegally changed my payment amount to compensate themselves for the credit they had to give me Can they legally do that
Product: Credit reporting, credit repair services, or other personal consumer reports

Thursday XX/XX/2019 I attempted to contact 'XXXX XXXX to temporarily lift a freeze on my credit report, unable to access my online account ( that I created 2 years ago because I was a victim of their data breach ) I had to speak to a person on the phone and have them do the unlock for 24 hours. They asked me for several items of information to " verify I was the account owner. '' The oil company trying to obtain my credit report told me it was never unlocked and could not access my credit report. Friday XX/XX/XXXX, I again could not access my account online, and had to speak to another 'XXXX XXXX employee ( note : both times the customer svc. person had a heavy, hard to understand accent ) who again asked me the same items of personal information to verify my account ownership. They said it will be unlocked for 24 hours and again, the oil company could not view my credit report. So, the oil company suggested I try 'XXXX XXXX, I attempted to go onto my account that I set up 2 years ago, could not log on with them, so I called their customer service line, began speaking with a very heavy foreign accented person, who was plainly reading a script like a robot, and wanted my personal info. I became suspicious and ended the call. I then tried to access my 3rd credit reporting agency account, 'experian ', not surprised, could not log in. 
XXXXI locked these 3 credit reports 2 years ago, I kept very accurate notes of my user names and pin # 's, so I know my records are correct. 
* I had to allow a company to view a credit report 4 months ago, and it worked fine, no hiccups. 
* * My concerns are : these 3 credit reporting agencies XXXX, experian, XXXX have again suffered a data breach and I gave my personal info to a stranger who's going to use it for identity theft. Why are all 3 agencies unreachable through online log in at the same time??
Product: Student loan

I submitted a request to change my federal student loan to the XXXX plan XX/XX/XXXX. Nelnet never responded to my request. Even after the loan application was changed to " accepted '' on XXXX on XX/XX/XXXX, my prior, much higher, monthly payment continued to show on the Nelnet website. 

I called Nelnet on XX/XX/XXXX and they said I should wait 14 days after the application was submitted through studentaid.gov before checking it's status. I said I had. They said wait another 3 days. Nothing changed on the Nelnet website. 

I called again on XX/XX/XXXX and they said they had sent an email requesting more information from me and couldn't process the loan application without my tax return, DESPITE me giving access to my tax returns through studentaid.gov. So I submitted my tax returns through the Nelnet website. The representative said wait another 14 days. He said that I should be receiving status update emails every 10 days. I've never received a single status email, despite receiving several other emails. 

I checked again today XX/XX/XXXX. Still nothing has changed on the Nelnet website. The automated system said that I should have received a response " XXXX business days '' after the information was submitted. I tried speaking to a representative but the phone was cut off because " Our office is closed '' despite it being within the automated system 's stated open hours for the customer service line. It's been XXXX weeks since my original request. I need Nelnet to change my loan repayment program before my repayments begin. I've done everything they've asked. They are unresponsive and unhelpful. I miss Great Lakes.
Product: Credit card or prepaid card

There have been two instances of predatory practices by Citi / Home Depot on my account. I had two promotional purchases on this card in XXXX. The first, carried a promotional balance of {$1100.00}, with a full payment on XX/XX/2022. I set the payment to be debited by XXXX on that date, which it was. The following statement indicated the payment was missed and back interest charged.. In follow up although XXXX made the debit on XX/XX/2022, they did not post the entry until 3 days later. I called, and Citi corrected the matter, crediting my account. 

The second instance was again a promotional purchase with an amount of {$140000.00} with a due date of XX/XX/2022. In XXXX, Citi flipped part of the 12 month " no interest, minimum payment due '' to 6 months term and charged me {$160.00} in back interest. I called and a customer service rep said it was Citi 's mistake, credited the interest back to my account, and stated they would move the time frame back to 12 months. On the next statement I noted Citi charged {$11.00} in interest on the now " revolving balance ''. I called again and a customer service rep told me that Citi had " declined '' the XXXX 's request. Further as I had not objected to the time flip from 12 months to 6 months within 60 days, I had by default " agreed ''! This is absolutely predatory practice, and there is an absolute problem with whatever department heads up Citi 's private label cardio cards which is EXACTLY what the customer service rep told me ... ... .Now they tell me the issue has been forwarded to some " special unit '' and will take 2-3 weeks for them to consider my case ... .....
Product: Checking or savings account

Chase Bank issued a debit card under a name that is not mine. Despite multiple attempts to resolve this error, they have not shipped me a corrected card. This has caused concerns about potential misuse or identity issues.
Product: Debt collection

This is bill os for  XXXX , I had there service for 1 day, I went back the next day and turned in all phones. I cancelled within my 30 days., this account has been deleted from my credit file numerous times, they keep harassing me buy getting other collection agencies to pursue collect money that is not owed, this is against the law. i need them to send me a letter of deletion of all credit reporting agency and to stop bothering me, or i will take legal action.  XXXX  removed from credit file company name : Sources   XXXX   removed  XXXX   XXXX   XXXX  removed  XXXX   XXXX ,   XXXX     XXXX   versified  XXXX   XXXX ,   XXXX   Thank you in advanced
Product: Credit card or prepaid card

For this i am stating a concern i have with a credit card listed on my credit score account, listed on both XXXX XXXX and XXXX that a Kohls credit card account ending in XXXX was opened on XX/XX/19 and reported around XX/XX/19. 

This credit card was received through mail, having a {$300.00} credit limit and this was used by me, or opened by me, at all, and reflecting a balance of {$190.00}. I contacted Kohls Credit Card Company to find out some info they provided me sounded sketchy, as I had this account to be review as fraudulent, providing them with my social, d.o.b, and name. 

I don't know why this has not happened already, there toll free # is XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite informing credit bureaus several times of the case with XXXX  XXXX but I filed before this case several times regarding a fraudulent purchase whereas the dealership in the salesman himself ended up prosecuted and doing time in State prison for ID theft. Is it gainst federal regulations to continue to display negative information on my credit report once credit bureaus have been informed. XXXX  XXXX is quite aware of the incident with XXXX XXXX and the dealership supposedly sold me the car something I am still trying to wrap my head around on how it ever happened.
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. I ask XXXX, Transunion, and XXXX to reinvestigate these accounts : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately : Account Name : XXXX Account Number : XXXX Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Account is fraudulent Account Name : XXXX XXXX Account Number : XXXX Reason : Account is fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for almost three years to have XXXX XXXX XXXX and/or Experian remove this information from my credit report. XXXX XXXX XXXX does not list correct contact information at Experian. It appears through an internet search that both Experian and XXXX XXXX   XXXX have been aware of this issue for years and done nothing, even in response to prior CFPB complaints about XXXX listing this very PO Box in error, or deliberately. In the attachment, please see the Experian report dated ten days ago listing XXXX 's address. Compare that with the US Postal Service rejection letter saying that the XXXX XXXX XXXX " moved and left no forwarding address ''. Now compare that with a letter to XXXX XXXX XXXX provided to me through contacting another aggrieved Experian Customer that also wrote to this address and had the dispute letter returned ... date XX/XX/2016. That person also complained to XXXX and the CFPB about this particular address being incorrect. This is willful negligence on the part of Experian and this is actionable .... possibly class action. Experian, please ask your counsel XXXX XXXX for their opinion before a lawsuit gets filed.
Product: Bank account or service

Back on XXXX XXXX, 2016 someone someho stole my debit card. I had only {$180.00} in my account. By the time the thief got through I was {$1300.00} overdrawn. I filed a complaint immediately, the bank sent an affidavit which I filled out and returned. Then I called Card Services. They told me this would be settled in 5 to 10 business days. So here it is, XXXX XXXX and I 'm still waiting for my money. They claim they already returned {$800.00} one day and {$200.00} on another. But nowhere in my bank statements are these reflected. I 've called several times and half the time I get told to call their claims department. I 've also called claims a bunch of times, stayed on the phone on hold for a half hour, using up my cell minutes, and no one ever answers. Sounds like the bank is scamming me. Am I ever going to get my money, or am I being ripped off twice? Any help you can give will be gladly welcomed. Thanks.
Product: Credit reporting

I have sent Experian numerous requests to investigate, verify and remove accounts that do not belong to me from my credit report and they are not responding.
Product: Vehicle loan or lease

Purchased home in 2009 had loan with Wells Fargo many years but extra pmt made was never reflected towards principal. Finally refinanced out of Mtg loan with them. I also financed a new car with them they added an insurance on their own causing me to have lates on credit. This ruined my credit for years and I was unable to fix for a while.
Product: Vehicle loan or lease

I'm having problems with keeping up with the payments and it's because of how payments are being allocated. Told twice by a supervisor that my total payment went to interest not principle which cause the account to go in pass due status. XXXX cost about $ XXXX book value charged XXXX and paid about XXXX and still have a XXXX balance. Help me understand that in legal terms please. Now after about twenty-five {$400.00} payments I'm block on my account because I'm 23 days pay due. Which is schedule to come out my bank account. My fear is next it's repossession. I also see a suit from the Attorney General XXXX XXXX New York alleging the same conduct against other consumers.
Product: Mortgage

On XX/XX/XXXX, I contacted MMS Mortgage company to apply for a mortgage loan to purchase a home. The representative assigned to me was XXXX XXXX. Mr. XXXX sent us an application to fill out per XXXX and my husband and I submitted all documentaion that was requested. Mr. XXXX stated all information received was accurate and we were told not to send any more proof of income. We were sent a preapproval letter for a {$320000.00} for a FHA mortgage pending verification of all documents, appraisal of property, verification of funds and underwriting criteria as we were told we didn't qualify for a conventional mortgage. After receiving this approval letter, we went out and found a home for XXXX but turned it down due to inspection. We found two other homes in the XXXX XXXX area and Mr. XXXX changed our criteria to purchase any home over and over. Anytime we brought this to his attention on any home we wanted to purchase, Mr. XXXX always gave us information on why we were not able to purchase the home due to HOA fees or taxes on the property. We were out looking for homes with our Real Estate agent in the market of {$300000.00} and he would call Mr. XXXX and he was told everything was a go to move forward. Recently Mr , XXXX changed our approval from {$320000.00} to {$130000.00} stating we had given him the wrong figures and he based our preapproval on wrong figures, but we submitted all documentation requested. I callled Mr. XXXX 's supervisor, Mr. XXXX XXXX, on XX/XX/XXXX, when talking with him he stated Mr. XXXX did not follow procedure properly and that he would go over our application and submitted income to verify accuracy. Mr. XXXX called back on XX/XX/XXXX and stated he came up with the amount of {$220000.00} that we could be approved for. Mr. XXXX asked if I wanted to be referred back to Mr. XXXX or another representative, and we requested another rep and that was XX/XX/XXXX, and we have not heard back from the MMS mortgage company since that call. We have went from {$320000.00} to {$290000.00}, down to {$130000.00} now back to {$220000.00}. This company does not follow up in a timely manner as we have been waiting for a response since the XXXX and no call. MMS Mortgage I believe initially did not take our application seriously as there is no way we would have had so many different amounts given to us.
Product: Credit reporting or other personal consumer reports

I am filing a formal and urgent complaint against XXXX XXXX regarding their obvious disregard for the Fair Credit Reporting Act ( FCRA ) and their failure to properly validate and verify an account listed on my credit report. 
XXXX XXXX XXXX
Product: Credit card

ACCOUNT HAS PAST DUE HISTORY. ACCOUNT WAS CLOSED AND PAID AND NO PAST DUES SHOULDVE BEEN ON THE ACCOUNT AT ALL.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
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 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 XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I have a balance with Bank of America and I made the payment in a period of XXXX  years they keep charging me late fees and they raise the interest rate without my contest
Product: Debt collection

Reporting late payments and that I owe a debt not owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request to the Mortgage company and to all three credit reporting agencies to fix the credit report status of the home mortgage loans. I have been in forbearance status since XX/XX/2020 due to Coronavirus. I have been unable to receive a much-needed loan to help my XXXX  due to this reporting being negatively listed on my credit report. I have reached out every month to get this fixed with no results. I have requested my report to be correct numerous times. I was denied SBA loans because of these negative reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had 4 loans that was in default and showed as default with the US Department of Education on all 3 credit bureaus ( Equifax, XXXX, XXXX ). Please note that these loans was consolidated into one loan with XXXX XXXX, under account number XXXX.
Product: Credit reporting or other personal consumer reports

I purchased a new car with Ally Financial. In XXXX, XXXX, we went to make our first payment on the new car. Ally returned out money 4 times. We tried calling, talking to them, sending in the payment it it kept getting returned with no explanation. After the 5th attempt, they said we were attempting to pay online incorrectly. Nothing was wrong with our method of payment, the money was there and somehow it was rejected on our first payment. Ally claimed we needed to set up a profile after our 5th attempt.

This has effected our credit so majorly, that we called again and Ally told us they would remove the late several times and still have not. This was not something that should never have happened to us, I have never been late on anything in my life, and this was ridiculous. We have made out payments on time ever since. This should have never happened to us.
Product: Credit reporting or other personal consumer reports

My rental application was denied based on information from Screening Reports Inc . When I inquired a copy of records, I was advised to contact XXXX. XXXX stated that the record wasnt on my credit report, but agreed to send a copy of records.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion Please Vaildate the correct balance and Please DELETE THIS INACCURATE INFORMATION YOUR COMPANY IS REPORTING ON A CLOSED XXXX XXXX ACCOUNT THE CREDIT REPORT STATES MY BALANCE IS {$5600.00} But i have a certified letter from XXXX XXXX which I will attach XXXX STATES THAT THE BALANCE IS PRINCIPAL BALANCE IS {$5600.00} & INTEREST BALANCE IS {$1200.00} so the total balance should be {$6900.00} which is highlighted in the letter PLEASE DELETE FROM CREDIT REPORT IMMEDIATELY.
Product: Mortgage

My name is XXXX XXXX and I have a mortgage loan with Mr Cooper I recently changed my insurance company and my insurance company forwarded the invoice with the premium amount of {$2000.00} to them in return my mortgage company sent a check for {$2800.00} to them which is higher than the premium they demanded. My insurance company returned the check back for {$2800.00} to them. My mortgage company for the second time sent another check for {$2800.00} still higher than the initial demand my insurance company requested for. The consequence of this is that my mortgage company increased my monthly mortgage payment from {$1500.00} to {$1500.00} after they did their escrow analysis based on the increased premium they paid to my insurance company on their own error they made twice. They say they would decrease my monthly payment after they receive the difference in refund from the insurance company. The question at this stage is why should I bear the brunt based on their error? Why did they not do the analysis based on the normal premium of {$2000.00} and {$2100.00} for their own error. I think this is unprofessional and unethical.I spoke to one XXXX a supervisor and she stood on their ground that I would pay that increased premium until they get the difference in refund. I think I am being taken advantage of because I have their money
Product: Debt collection

I am writing to dispute a fraudulent account that is being reported by Sezzle on my credit report. I have no knowledge of this account, and I did not open or authorize it. I believe this account is the result of identity theft. I request that Sezzle cease reporting this account and remove it from my credit report as soon as possible. 

I am currently taking steps to protect myself by completing the identity theft report and a police report. Please provide confirmation that this account will be removed from my credit report. 

This is for the accounts XXXX and XXXX Both are listed on my credit
Product: Debt collection

I, XXXX XXXX, entered a consumer credit transaction with Synchrony Bank. A consumer credit transaction in which a finance charge was involved. 15 U.S. Code 1605 defines a finance charge to be the sum of all charges. Consumer credit transactions do not require the exchange of federal reserve notes. Synchrony Bank has taken federal reserve notes every month since the initiation of consumer credit transaction. Synchrony Bank did not disclose all that was supposed to be disclosed to me during the consumer credit transaction like the opt-out option for third party communication pursuant to 15 U.S. Code 6802. Synchrony Bank have willfully and knowingly participated in abusive debt collection practices to I, the consumer which pursuant to 15 U.S. Code 1611 is a crime and shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.