23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I applied for a modification to my XXXX loan, serviced by Seterus, Inc. seven times since XXXX XXXX with fax confirmations that I supplied all of the supporting documents required. Each time, I was declined for 'failure to provide all of the necessary paperwork/documentation ', which XXXX XXXX XXXX Seterus confirmed was not accurate in XXXX XXXX. 
I was approved for a forbearance for XXXX, XXXX, and was told to reapply for a modification in XXXX, XXXX, which I did. After originally being declined for 'failure to provide all of the necessary paperwork/documentation ' again, XXXX XXXX advised I was approved for a HAMP Trial Modification for XXXX. My obligation was to make payments on time and work with a counselor, which I did. I spoke with XXXX a Seterus representative in XXXX, who confirmed receipt of all payments timely, and who stated he would could take my statement about the counselling, and said he would send notes and questions 'up the ladder ', and was sure the declination would be rescinded, and would ask XXXX XXXX to look into the issues. I formally requested the declination be appealed and looked into again in writing in XXXX, XXXX. 
I have now called XXXX XXXX five times since XXXX XXXX, with no response. I am concerned. She had been a 'voice of reason ' and good communicator through the loan deferment and Trial Modification HAMP processes, yet unresponsive since that time. I wrote to XXXX XXXX and sent her a copy of the counselling report XXXX XXXX, XXXX, and have had no response. 
Since the XXXX XXXX, XXXX letter, I have receive XXXX generic default letters, a privacy statement letter, a letter confirming receipt of my correspondence from Seterus, and a telephone call from XXXX XXXX at Seterus asking 'what I intend to do to bring the delinquent balance current and with the property '. I asked if she had read any notes in my file, she stated she had not, so I told her I to read my file, as I was awaiting a response from Seterus based on my XXXX communication. I no longer am receiving emails advising me that I have messages in my secure online email box at the Seterus website. As I filed bankruptcy, XXXX at Seterus advised that I am not able to login to the Seterus website. Last I was able to see prior to being redirected by the Seterus web site, there are over XXXX messages that I am unable to read in that mailbox. 
This is the same type of lack of communication I experienced with Seterus after requesting a loan modification now SEVEN times since XXXX. We are now in XXXX! 
I have already paid the XXXX and XXXX XXXX payments at the XXXX modified amount, which have cleared my bank. 
I wrote to XXXX again, requesting a status on XXXX XXXX, XXXX. 
I am hopeful that this type of communication is not happening with every loan they service, and am concerned that maybe it is only happening with loans where they have determined that the property is worth more than the loan balance, like mine is. 
Please help me to get this resolved. I am in a very difficult financial situation, and am just able to make the modified mortgage payments. 
Thank you,
Product: Credit reporting or other personal consumer reports

Please be advised that this is my XXXX  REQUEST asking you to remove the unverified account listed below that remain on my credit report in violation of the 15 U.S.C 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that the item is being reported correctly. What this mean is that your company must be willing and able to produce a document in your files that proves the account in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the knowledge of the alleged account and all that has ever transpired for the alleged account, under oath and under the penalty of perjury. You have ignored my request to provide me with the documents that you have in your files that you used to verify the disputed account which means that you are NOT verified or you can not verify my account and under section 611 ( 5 ) ( A ) of the FRCA- you are required to promptly delete all information which can not be verified.
Product: Mortgage

My mortgage servicer ( XXXX XXXX XXXX ) sold servicing rights to Nationstar starting XXXX XXXX 2015. I contacted XXXX and was told that I had no say in the matter, but the only change I would see is the account # and address I send payments to. I called Nationstar on XXXX XXXX to set up my auto bill pay, but was told they did n't have my account info yet and they would be sending me a welcome packet with all the info I would need. I did n't receive this packet until XXXX XXXX. I called Nationstar customer service ( poor description of what they do ) and was basically told there was no way to set up the payment option I need ( the same plan I had with XXXX and my previous servicer ). I am in the military, so I get half of my pay on the XXXX and the rest on the XXXX of every month, so I need half of my mortgage payment to auto draft on the XXXX and the XXXX. Sounds simple ... apparently it 's impossible with Nationstar. I have spent hours on hold and have to explain my situation every time I get transferred to a new person. On XXXX XXXX I received a notice that " your loan is due for XXXX XXXX, 2015 and is in default '' and " unless this delinquency is paid by XXXX XXXX, 2015 we will accelerate/demand your loan and begin the foreclosure process '' pretty sure federal law REQUIRES a 60 day grace period beginning the effective date of servicing transfer. This whole experience has made me extremely uneasy, as I previously stated, I am in the military and XXXX at a time. I received notice of the servicing transfer just after returning from XXXX of these XXXX, what would have happened if it had come just after I XXXX? 
I would have come back to a house in foreclosure because of an unethical practice of transferring servicers without my consent! Is there seriously no protection for XXXX service members from this? Also, PLEASE read XXXX and other reviews of Nationstar Mortgages and ask yourself how they are allowed to continue preying on people just trying to do the right thing. I would do ANYTHING to distance myself from this terrible company!
Product: Credit card or prepaid card

This letter is a formal complaint against XXXX in regards to an account # XXXX. They have repeatedly violated my rights as well as the Fair Credit Reporting and the Fair Credit Billing Acts. Despite the several correspondences Ive had with them, they continue reporting inaccurate and unverifiable derogatory information about me to the XXXX major credit reporting agencies XXXX, XXXX, and XXXX. 
For XXXX, I have requested verification of this debt per my consumer rights pursuant to the Fair Credit Billing Act. They have allegedly verified this account several times electronically to the credit bureaus but never once to me as mandated by law. 

For XXXX, they just refuse to investigate the account, I've actually disputed with the company several times directly who simply refuses to verify the debt I'm requesting that this company is disciplined accordingly for their willful and blatant disregard for the law and also that you REQUIRE them to remove the disputed account in question from my credit reports. This causes serious harm not only to my ability to establish credit and good interest rates, but also to my character as a Professional. 
If there's anything I can send you to support my claim, please do not hesitate to let me know. Thank you in advance for your immediate attention to this very serious matter.
Product: Credit reporting or other personal consumer reports

I want to bring to your attention fraudulent actions being taken by both the original creditor and the collection company. and Credit Bureau. This account is a charge-off, and the original creditor has reported a loss to the IRS while simultaneously allowing a collection agency to collect on the same account. Since the Original creditor has already paid for this account, any further attempts to collect are fraudulent. Additionally, failing to provide me with a 1099-C further supports these deceptive practices. 
I am writing in response to your recent communication regarding the investigation of the disputed charge-off information on my credit report. I appreciate your efforts thus far ; however, I have not received the 1099-C from the original creditor and sufficient information regarding how the information was verified.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( a ) ( 1 ) ( A ), I am entitled to request a reinvestigation of the disputed information. I kindly request that you initiate a reinvestigation into the disputed charge-off as follows : Creditor Name : XXXX XXXX  XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> Amount : {$1000.00} Additionally, upon reviewing my credit reports, I have identified inaccuracies that require immediate attention. The discrepancies are outlined in the attached documents, which include inconsistencies in reporting dates, amounts, and account statuses. I request that you thoroughly investigate these inaccuracies and provide me with a detailed explanation of how you verified the accuracy of this information, including the methods used and the results obtained from the creditor. 
According to the FCRA, you are required to complete this reinvestigation within 15 days of receiving this request. Therefore, I expect to receive your response no later than [ 15 days from the date of this letter ].
Product: Credit reporting, credit repair services, or other personal consumer reports

United Auto credit ran my credit without my authorization, this caused my credit score to go down. On XX/XX/2019 I received a notification from my credit report that they have ran my credit. I did not submit my information nor have I authorized them to pull my credit. I have called their customer service number same day and asked for them to remove the inquiry or send me a letter that they did not have authorization to run my credit, they declined to do so. 
I am seeking for assistance to have this issue resolved as they now have all of my personal information. 

Thank you
Product: Prepaid card

My wife opened a prepaid card for me with Capitol One. She accidentally gave them her social instead of mine. We gave them the opening deposit, an automatic payment from our account. When we went to use the card a few months later we found it had been closed, because of the social being wrong. They would not and have not returned the deposit money despite hours on the phone with them.
Product: Credit card or prepaid card

The problem is about my Chase purchase on XX/XX/XXXX for an amount of {$1600.00} cash plus XXXX points through Chase Ultimate Rewards of a hotel order. 

The problem is caused by that we were assigned a room type that is different from what we reserved ( Because I was traveling with a new girlfriend, we paid for 2 bedroom suite ). But during the checkin, the assigned room in the system is a room type : XXXX, one bedroom suite , which was different item and price in the website. 

During my checking in on XX/XX/XXXX around XXXX : I asked for help from Chase Travel XXXX The specialist refused/ failed to provide any solutions and hung up my call... Then, I immediately called the number on my CHASE card, and mentioned my unsatisfying experience. The solution was provided that I can get the cash refund and we can still stay at the hotel after checking again with the bank. 

Now, the dispute team refuses to dispute the transaction and refuse to take any solutions for this. 

Please don't hesitate to let me know if you need anyting. 

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

please delete the following accounts and inquires this is all incorrect I been disputing this accounts since last month but still showing on my credit report i want to delete it now. I'm so stress. 
XXXX  Account Number : XXXX {$14000.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX
Product: Credit reporting

I reviewed my Equifax Credit Report and viewed that they keep reflecting a XXXX that is more than 7 years old. The loan is from XXXX XXXX, 2008. Furthermore, it is reflecting late payments that when I contacted XXXX XXXX XXXX XXXX they confirmed I had no missed payment 's and that my account was always in good standing prior to the loan being paid in full.
Product: Checking or savings account

Robinhood is not responding to me after {$1200.00} was stolen from my account through stolen debit card information. 

The money was taken out as 6 separate cash-back transactions at a grocery store. As soon as it happened I canceled the card and reported the issue to Robinhood. They emailed me back saying that I w
ould he

ar b ack in 1-3 days, but its now been 6 with no response. I've followed up each day this week ( monday, tue
sday, wednesday ), but no response.
Product: Debt collection

Where do i begin. 
this collection agency apparently uses underhanded tactics to try to collect on a debt. It is bad enough that the company that used these people services claim i owed a balance after they messed up my XXXX  work however this debt from since XXXX they are trying to collect on in XXXX. Pressler, Felt & Warshaw is the company. They had a court officer ( mind you i never knew i was sued or had to appear in court until years later after they kept having the court officer levy my bank account, they would have the court officer send my personal information including my social security number to all these banks and hope one would give a response. This is fraud. or it should be considered fraud. I am a victim of identity theft and it has taken years to fix what someone has damaged. By these people sending my information freely to banks this is wrong. all to collect some old debt. I have had to close bank accounts, etc however they are relentless. They come forcing me to make a payment arrangement when i do not feel that i should have to pay for this. It is wrong. with how many criminals they are nowadays, for them to blatently send my information which looks like an old photo copy to people is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

Let 's start with this they were disputed last year and taken off to reappear this s year saying it's new debt for hosptil bills except I've had insurance for 5 years now so a there older then 5 years not new debt but again I disputed last year and won they were dropped now there back again and to top it off the same debt is repeated a few times over the law states 7 years but now since there back their stuck there 7 more years that's not cool the date are in attached. I have also read a lot of reviews on the company and they do this to so many people and the people just bend over and accept it well I will not accept these debts and if they keep showing I'll spend the XXXX XXXX they say I own and sue and go to press just saying. 



Common wealth ... .... My A
Product: Credit card

I completed spending for the " It's in the Cards '' promotion on my American Express XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX points for registering and doing the required $ XXXX spending by the required time. I completed the required spend and did not receive the points in time. I have followed up with customer service on about 5 different chat sessions since XX/XX/year>, the date the points were due to be placed in my account. I have in each case been given the assurances that my points would be provided to me in either 5 business days or 2-3 business days and in each case I have not received my points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report from Equifax and notice that there are some inaccuracies in my file. 

XXXX XXXX - open date is inaccurate ( documentation provided ) XXXX XXXX - open date is inaccurate ( documentation provided ) XXXX XXXX - payment history is inaccurate ( documentation provided )
Product: Credit reporting or other personal consumer reports

I am writing to dispute the actions taken by USAA regarding my accounts, which have resulted in significant financial and personal distress. I was a loyal and responsible customer of USAA for ~20 years, and I have always managed my accounts diligently.

Upon discovering unauthorized transactions on my USAA credit cards. I immediately reported these fraudulent charges to USAA, and after an investigation, final credits were issued in my favor due to the fraud. However, to my surprise, over a year later, USAA reversed these credits without warning, charging me back for the fraudulent charges. 
Following this, USAA took drastic actions against me, including restricting my online access, closing all my accounts ( except my auto loan, which was initially not accepted for payments ), and refusing to send me billing statements. Furthermore, USAA reported all my accounts negatively to the credit bureaus, despite the fact that these issues were caused by identity theft and not by my actions or negligence. This is supported by the FTC affidavit, police reports filed, as well as the culprit being prosecuted for the fraud. 

Despite claiming the information being reported is accurate, USAA has now sent me checks for the disputed amounts for my credit cards and auto loan. However, I am deeply concerned that USAA has refused to correct the negative reporting to the credit bureaus. This inaccurate reporting is damaging my creditworthiness and reputation, despite my innocence in these matters.
Product: Credit card or prepaid card

Regulation Z, Section 1026.53 requires payments in excess of the minimum be applied to the highest rate portion of the outstanding balance first. 

Citibank applied my payment in excess of the minimum to the lowest rate balance. It is required to go the the highest rate. I have been overcharged interest as a result. They have refused to address the mistake. 

On my XX/XX/2023 statement, the standard purchase balance was {$1800.00} On my XX/XX/2023 statement, the standard purchase balance was {$4100.00} The standard purchase balance, which is the highest rate portion of my balance ( 22.74 % ), actually increased. The payment was incorrectly applied to the lower rate balances My payments on the XXXX statement exceeded the minimum amount due by more than {$10000.00}. 

New purchases were {$3900.00}. 

The overall card balance decreased by more than {$6000.00} I attempted to resolve this through a series of phone calls with citi. Their representatives seem to be reading from a script that they are unwillng to deviate from. This results in answers that are not addressing the actual issue I am seeking to address. 

In a XX/XX/XXXX phone call, Citi representative XXXX admitted the mistake but said he needed to involve a supervisor to correct it. I was connected to XXXX who put me on hold, then disconnected after several minutes keeping me on hold. 

The net excess payment was applied to my lowest rate balances. It is a violation of reg z and needs to be fixed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  is reporting the wrong mailing and residential address to the credit bureaus and other entities. Consequently, my mail, packages, credit card information and credit cards are getting sent to the wrong address. I reported the issue with my address to the company last year. I was told it would be taken care of, but nothing was done. A few months ago, I filed a claim with Experian asking them to remove the address from my credit report. According to Experian, XXXX keeps reporting the address as correct, so Experian will not remove it. I spoke with someone again at XXXX this morning XXXX about this issue. He stated he would change the address in the system, but this is the same thing I was told last year and nothing was done. As a result, I don't trust that this issue will get rectified without outside help. With my mail, packages, credit card information and credit cards being sent to the wrong address XXXXXXXX XXXX  negligence in not correcting my address is putting me at greater risk for fraud, if it hasn't already happened. Additionally, I have filed claims with XXXX and I also filed a police report thinking that I was the victim of fraud.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX  to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Docket Identifier XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Student loan

Today, XX/XX/2018, I was unable to delay my monthly Student Loan Payment due to internal processes present within my Loan provider, Navient. Due to financial hardships as well as with an irregular pay schedule I was unable sufficiently satisfy monthly payment. When calling the provider to put a stop/delay the automated payment, they explained that it was too late to delay the payment ( even tho I called before the payment scheduled payment date ).
Product: Bank account or service

Hi I was informed on XXXX that i had XXXX bills at my moms house My niece who i havent spoken to for years got my ss # and tried to establish numerous accounts XXXX in particular allowed her to use it montgomery ward for XXXX for a small netbook i found this out my tracking the package an the post office in turners falls told she called an asked her to hold it for her i told them i 've been scammed an told them i will pick it up with the police to send it back as of now case is ongoing Her name is XXXX i meet with the detectives monday am i did credit card check an she tried numerous times