23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage loan was purchased Ditech Financials who is now servicing the loan. I have now been with the new lender for about 2 years. During that time, they change the impound payments for taxes and increased my payment amount. I had the account on auto-pay and although did not miss a payment, had two payments that were considered late due to the additional impound fees that were not included. They charged me XXXX dollars in late fees for two months of being " late '' due to not including the additional impound fees, although I made my payments on time. I ignored the late fees and they have not seemed to follow up on them other than sending me constant offers to re-finance with them in which case, they will waive those fees. Last month, I failed to move funds in my bank account and ended up not having the funds in my bill pay to send the mortgage payment. I promptly corrected this and sent the payment in late. I have a ~ $ XXXX monthly mortgage payment and I have just received a letter that have have assessed a ~ {$2000.00} late fee for that late payment. This can not be allowable to assess a greater than XXXX % late fee on a single late payment. Please assist.
Product: Mortgage

On XXXX XXXX, 2016, I made a {$6700.00} Principle and Interest payment to Nationstar Mortgage. The employees of Nationstar Mortgage confirmed on this date, my payment would go directly to Principle and Interest and make my mortgage payment due for XXXX XXXX, 2016. Nationstar Employees also told me starting in XXXX 2016 my payments would now include escrow with any and all past due escrow to be spread out over 60 months. ( Audio recordings confirm these conversations ) Nationstar Mortgage applied my {$6700.00} incorrectly. Instead of the full payment being applied to Principle and Interest as I was told would happen, {$2400.00} went to escrow and {$1900.00} into a " unapplied funds '' account. 

Throughout the month of XXXX, I have talked to several employees at Nationstar Mortgage who have told me they would get this resolved and have all of my XXXX XXXX, 2016 payment applied to Principle and Interest and have the escrow begin in XXXX 2016 as I was told. None of this has happened. 

I am asking for help in having Nationstar Mortgage correct their error and apply my XXXX XXXX, 2016 payment of {$6700.00} to Principle and Interest with escrow beginning in XXXX, 2016 with any past due escrow spread out over 60 months, as I was told. I am also asking for help in having Nationstar Mortgage correct my credit report to reflect that I am current and not delinquent in my payments. 

thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts do not belong to me. They are falsely reporting under my name. I have filed an FTC complaint and also with law enforcement. My next step is a civil suit against all 3 bureaus. 

-XXXX XXXX XXXX {$0.00} Balance Opened XX/XX/XXXX XXXX {$0.00} Balance Opened XX/XX/XXXX Inquiries : XXXX, XXXX, XXXX XXXX, XXXX XXXX
Product: Vehicle loan or lease

We had a loan on auto pay with Wells fargo failed to contact me before sending my auto loan to charge off status and didn't find out until it I got an email from my XXXX XXXX account .... if they bothered to call my phone and leave a message I would have been able to fix such missed payments they supposedly closed the account for
Product: Credit card

I signed up for a XXXX XXXX XXXX Credit Card on XX/XX/23 through a link that said if I spent {$5000.00} in the first three months I would receive XXXX miles and XXXX PQP. I took a screenshot of that promotional offer and still have it ( see attachment ). When I spent the {$5000.00} I only received the XXXX miles but no PQP. I called Chase and they said they were only showing the miles bonus but no PQP. They escalated this to marketing but they said there was nothing they could do. I read online that this exact thing has happened to several other people with this same credit card and intro bonus.
Product: Debt collection

On XX/XX/XXXX of this year, I contacted Resurgent Capital Services company requesting they validate my obligation and to send me the contract showing I owed the debt to their client being " LVNV '' and suspend with all collection activities until they had proof that I owed the debt. They sent me some invoice from " XXXX '' but not the actual contract of this debt. 
They did, however, submit all of the information while the investigation was on going to the varies credit agencies which have negatively impacted my credit score. 
from what I understood, they are collecting a debt for LVNV Funding LLC another debt collection company. I have not had any service or contact with them.
Product: Checking or savings account

Unauthorized cash withdrawals from my Citibank savings account occurred on XX/XX/2023. There were two fraud withdrawals : first of {$1000.00} from ATM and second of {$5000.00} from bank teller all in cash. After the first withdrawal of {$1000.00}, I immediately went to a branch and notified a banker at the branch. While I was physically present in the branch and talking to a banker, the second fraud withdrawal of {$5000.00} was done at another branch. The savings account was immediately blocked and the transaction was disputed. I also filed a police report at a local police station. However, Citibank has denied my dispute of the {$5000.00} fraud transaction twice on the grounds that it was not fraud. Citibank has the video evidences of me physically present in the branch and of the person impersonating me and committing the fraud at another branch. I have also provided Citibank with the name and information of the banker who was with me while the second fraud of {$5000.00} happened. Citibank has enough information to prove this is an unauthorized transaction but is refusing their responsibility to investigate the fraud case fully and to refund me the lost amount of money due to this fraud.
Product: Credit reporting or other personal consumer reports

This month alone TransUnion took XXXX points from my credit score for using money credited to me. Money that I have not been late on, all my payments are XXXX percent on time. I feel like Im under personal attack by the credit bureau. This is ongoing, always taking large amounts of points from my credit score without cause.
Product: Vehicle loan or lease

I purchased a vehicle online from XXXX XXXX XXXX on XX/XX/year> and the dealership titled the vehicle in Florida and I live in Georgia. I contacted the dealership and they said that it was Florida law to do that. I immediately contacted Florida DMV and was told that it is the responsibility of the LIEN holder to submit for the transfer. I contacted Santander consumer usa title department on XX/XX/year> and was told that the process takes 2-3 weeks. The temporary registration expired on XX/XX/year> and I wasn't able to legally drive the vehicle. My local tag office issued me a one time temporary registration on XX/XX/year> that expired on XX/XX/year> and Santander Consumer USA has still not transferred the title. I was informed by Santander Consumer USA 's XXXX department a couple of weeks ago that I should contact my State Attorney Generals Office for additional assistance and I did. As of this date the registration is expired and Santander Consumer USA has not transferred the title to Georgia from Florida. Any assistance from your office would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, In XXXX oXXXX XXXX, I filed a dispute with the credit bureaus about the illegally reinserted collection account : XXXX XXXX account # XXXX I did some reading about credit reporting laws and under the FCRA ( A ) ( 5 ) ( B ), all reinserted accounts must be given a five day notice from the credit bureaus or it must be promptly deleted. and from my understanding if a consumer finds errors on their credit report, they have a right to have them fixed. I got this information from the FCRA.. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX. 
Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX. 
Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I am unemployed and a single Mother. The debt is over 5 years old, they have seized my checking account and declined a settlement that I offered. Child support funds were in the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XX/XX/XXXX, I filed a complaint against the credit bureaus to delete the Bank of America accounts opened in XX/XX/XXXX. I am a victim of mixed files and Bank of America sent me correspondence dated XX/XX/XXXX. In the correspondence, BOA is saying that they did an investigation and concluded that, " YOUR CREDIT FILE MAY BE COMBINED WITH SOMEONE WHO HAS A SIMILAR NAME. PLEASE CONTACT THE CONSUMER REPORTING AGENCIES LISTED BELOW TO HAVE THIS CORRECTED ''. So I did. I sent them a letter dated XX/XX/XXXX, and even filed a complaint against them with the CFPB and uploaded a copy of the letter from BOA which I am attaching to this complaint. Obviously, XXXX didn't care to investigate. They refused to delete this account that belongs to someone else. As a furnisher, it is your responsibility to correct this ASAP.
Product: Credit card

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly
Product: Credit reporting, credit repair services, or other personal consumer reports

This Is my XXXX written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXXXXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquires were just posted to my credit report. I contacted XXXX XXXX for a auto loan and the XXXX dealer took my information from that credit report and submitted a deal to like 30 banks. These inquiries I did not authorize. 

Transunion Inquires Inquiry details XXXX Inquiry from XX/XX/2018 Finance XXXX XXXX Inquiry from XX/XX/2018 Credit Union XXXX Inquiry from XX/XX/2018 Finance XXXX  XXXX XXXX  Inquiry from XX/XX/2018 National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/2018 Automotive XXXX XXXX Inquiry from XX/XX/2018 Finance XXXX XXXX Inquiry from XX/XX/2018 Bank These are the XXXX   Inquiries Inquiry details XXXX XXXXXXXX Inquiry from XX/XX/2018 Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 All Banks XXXX XXXX XXXX Inquiry from XX/XX/2018 Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/2018 Auto XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 All Banks
Product: Debt collection

I was n't living on campus at the time nor did I resign a lease to stay there during the time expressed on the fraudulent lease the manager signed my name there are numerous complaints of illegal activities in their office and its student housing they should be shut down because there are hundreds of students they have taken advantage of which is why I moved to begin with
Product: Checking or savings account

I deposited my paycheck from work on XX/XX/2023 with USAA. I noticed there's a hold on my funds. When I called customer service, they said the hold is there until XX/XX/2023. 9 days for me to get access to MY money is unacceptable. When I deposited with chase, I'd have everything by the next day. USAA is suppose to be for Military and Veterans but this doesn't help when we can't have access to our money.
Product: Money transfer, virtual currency, or money service

Cash app automatically cashed out money sent to me so they can take a service fee charge but I did not have that authorized nor did I want the money automatically placed in that account. I had turned it off and cash app did not recognize this and automatically charged me a fee and sent money to my bank account. I was supposed to have {$1000.00} and cash app took a fee and only deposited {$1000.00}. I did not want this service and Im only asking for a refund and the amount to be returned to the cash app account, but they refused and their customer service is awful.
Product: Credit reporting or other personal consumer reports

Transunion has placed a fraudulent account on my credit report and has failed to provide where they are receiving this information the following account needs to be removed if it Can not be verified : XXXX Transunion continues to send credit reports which is not a verifiable way to prove the debt belongs to me
Product: Credit reporting

I recently quoted with XXXX. I provided accurate information to XXXX in order to obtain auto insurance to replace my current policy with XXXX XXXX, which ends on XXXX XXXX. I was quoted $ XXXX/month for 6 months under terms that provided for several liability coverages, and also included {$200.00} deductibles for comprehensive and collision. 

Upon entering my license, XXXX stated they they found additional information in my reporting file from LexisNexis, and increased the rate to approximately {$1100.00} for a 6-month policy term. This rate was increased from about {$690.00}, a total increase of almost {$500.00}. 

XXXX indicated that the increase in the quoted amount was due to the LexisNexis report signaling that I have failed to continuously maintain insurance for the past 6 months. This is untrue ; I have maintained continuous insurance for over 2 years on various vehicles and my current policy does not expire until XXXX XXXX. 

This inaccurate information is going to cause me damages of approximately {$500.00} over the next 6 months. I want LexisNexis to correct the inaccurate information about me in their file, and for XXXX to honor their original quote, which reflected the accurate information that I provided them.
Product: Credit reporting or other personal consumer reports

This is my new attempt to notify you that I was harmed by incorrect credit report details and I submit to dispute these items in my file resulting from this matter. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any information in my credit file that resulted from the inaccuracies in my credit profile. 
Experian : 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 Balance Owed : {$5700.00}. These items are unknown to me. Also, the information you provided on these items are DELETED from other bureaus and I have doubts about their accuracy and the reported history on these items are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to rescind.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX bank has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

XXXX was using XXXX  XXXX  for their store credit card. On XX/XX/2020 they moved their store card over to Citibank N.A. We received a notice in the mail that they were moving the account and we were to use the new website to set up our account. In order to set up the account we needed the new XXXX Credit Card. So we call Citibank N.A. and they said that the account was closed. We asked them who closed the account and they stated that the account was closed by XXXX XXXX. We then called XXXX XXXX  and they said that they didn't close the account it was just transferred to Citibank. We have been going around and around with them. We have no where to make our payments too. XXXX  wont take them and Citibank won't take them. If we don't make the payment they will put a negative mark against our credit.
Product: Vehicle loan or lease

My dispute has not been resolved. No one is looking into the way the payments were applied or allocated. Instead they are only validating that I recent a default letter. 

As of XX/XX/2022, my account was completely current. The payment history shows that my account was not even 30 days late. Theres also late fees that were removed as a courtesy that has been applied to the account as well an mysterious insurance rebate termination. I will resume consulting with an attorney at this point. 

As representative from the redemptions department by the name of XXXX reviewed my account with me. We were on the phone over 2 hours. She saw something on the account that raised a concern. XXXX as well as a team lead reviewed the account together and both were in agreement that something has went wrong! I was told that the account department would be notified as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act.The lists of accounts below have violated my federally protected consumer rights to privacy and confidentiality under law 15 USC 1681. 

XXXXDEPT OF ED : 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 XXXXXXXX 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 1681 c. ( a ) ( 5 ) Section states : No consumer reporting agency may take 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 more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any 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

In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 
Under 15USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

These inquiries need to be removed. I have no knowledge of them, and they were conducted without my permission.