23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Upstart received insurance money = no loss, injury or harm for the company. UPSTART has 21 days to remove their information off my Credit Report or they will be receiving a {$300000.00} TORT CLAIM per month for multiple 18 USC 242 Violations, THEFT OF MY PERSON = IDENITY THEFT/PERSONAGE, Administrating Property Without Right, Consent or Contract and for causing I, man Loss, Injury and Harm. XXXX XXXX XXXX is factually a DEAD ENTITY/LEGAL FICTION .... I, man, XXXX XXXX XXXX XXXX XXXX  am a living man... you can not cause a man or woman harm without compensation. UPSTART lost {$0.00}. They got paid, now they need to get the XXXX out of my life or they will be forced to compensate me monthly for stealing my TRADE NAME/TRADE MARK. Who is the man or woman from UPSTART claiming I owe them money? WHO? If no one, get the XXXX out of my life and off my credit report!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Product: Mortgage

In XXXX of XXXX, my mortgage was sold from XXXX XXXX to Mr. Cooper Mortgage. Our first automatic payment was made on XX/XX/XXXX. The following day, Mr. Cooper tried taking a 2nd payment to " ensure their were enough funds ''. They claimed that there was a " online web payment '' made by the customer ( me ). 
XX/XX/XXXX ( XXXX Bank record ) - Payment of {$2000.00} - Payment of {$2000.00} - Return of {$2000.00} We had to call our local bank to let Mr. Cooper know that the original payment had cleared and not been returned. 

The second payment caused an overdraft fee. 

The following month, 3 more payments were deducted from our account. Mr. Cooper continues to claim that online web payments are being made and that they are not responsible. 

XX/XX/XXXX ( XXXX Bank Record ) - Payment of {$2000.00} - Payment of {$2000.00} - Return of {$2000.00} XX/XX/XXXX ( XXXX Bank Record ) - Payment of {$2000.00} - Return of {$2000.00} XX/XX/XXXX ( XXXX Bank Record ) - Payment of {$2000.00} - Return of {$2000.00} XX/XX/XXXX ( XXXX Bank Record ) - Pending Payment of {$2000.00} We have not authorized or made ANY payments to our mortgage provider ( Mr. Cooper ), outside of the Autopayment that is arrainged. 

I've now attempted to resolve the situaion on XX/XX/XXXX via telephone with Mr. Cooper, and XX/XX/XXXX via telephone where we've reached out and called XXXX Bank to resolve any issues of payments. 

I've been unsuccessful and would now like to file a complaint against Mr. Cooper after seeing that there have been multiple lawsuits against Mr. Cooper and their billing practices.
Product: Debt collection

Calling me repeatedly early in the morning or late evening. 
I do not know why they are calling me. 
Attempts to collect debt not owed by me.
Product: Credit card or prepaid card

On XX/XX/21, I stayed at the XXXX XXXX in XXXX, Oklahoma for two nights. On XX/XX/21 my Citi XXXX XXXX  was charged {$290.00} for the stay. In addition to my card being charged, I have had a hold on my credit card for {$350.00} since XX/XX/21. I called XXXX XXXX and they said they released the funds on their end and even checked to see if my card was double charged and they determined it was not. This hold of {$350.00} is going to prevent some of my regular monthly charges from going through on XX/XX/21 and will cause me to incur late fees. 

I called Citi and spoke with a Supervisor and they said they can not do anything about it and the hold will roll off in a month. They stated this is how they handle a lot of hotel vendors. I then tried to increase my credit line to cover the hold and they declined the credit card increase and did not provide a reason. Citi is gauging their customers once again. Do not get this credit card or a XXXX Membership!.
Product: Mortgage

This complaint is related to previous complaints that I submitted to the CFPB on XX/XX/XXXX ( Complaint # XXXX ) and on XX/XX/XXXX ( Complaint # XXXX ). 

After I submitted the first complaint, the company, Specialized Loan Servicing ( SLS ) replied with an unacceptable response and failed to correct the problem that it created. CFPB suggested that I submit a second complaint, so I did so on XX/XX/XXXX. I am waiting to receive a response from SLs regarding my second complaint. 

On XX/XX/XXXX, I contacted SLS directly regarding a notice that I received from the company dated XX/XX/XXXX. The notice was a Notice of Default and Notice of Intent to Foreclose. According to the notice, my mortgage is in arrears. That statement is incorrect. I have never been 30-days past due on my mortgage. 

When I contacted SLS on XX/XX/XXXX, I spoke with a representative named XXXX in the Escalation Department at ( XXXX ) XXXX. After reviewing my account, XXXX confirmed that an escrow account for my hazard insurance was created for me in error by Specialized Loan Servicing and that a portion of my XX/XX/XXXX mortgage payment was applied to that escrow account, thereby reducing the mortgage payment that I made in XXXX. My XX/XX/XXXX payment was then placed in suspense because the remaining funds of my mortgage payment could not be applied. The same processing error occurred again in XXXX of XXXX, when I made my usual, ( and correct ), mortgage payment. The representative acknowledged that I am not in default of my mortgage and that Specialized Loan Servicing will need to remove the escrow account that it created in error and reverse any payments and charges that were erroneously applied by SLS, so that my XXXX and XX/XX/XXXX mortgage payments can be correctly applied. The representative could not give me a date by which SLS would correct its error on my mortgage account. 

When speaking with the Escalation Department representative, XXXX, I requested that SLS provide me with written confirmation that 1 ) The escrow account has been closed and that all fees and payments have been reversed and that 2 ) The foreclosure notice has been invalidated. 

The Escalation Department representative stated that the written confirmation that I requested is not normal procedure for SLS, so I would need to write the company directly to specifically request such written confirmation. For this reason, I am filing this new complaint to request CFPB 's assistance in obtaining the requested written confirmations from Specialized Loan Servicing as soon as possible.
Product: Credit card or prepaid card

I made reservations at a hotel for XXXX XXXX through XXXX I never made it to the reservations but the hotel was entitled to take {$50.00} for breaking reservation they try to take the {$50.00} but could n't because it was n't available but they already had pre-authorization for {$220.00} which after they returned because I did n't take the XXXX days at the hotel when they figured out they could n't get the {$50.00} because it was n't in the account for breaking the reservations and they forced the transaction to go through for {$220.00} then left me negative. I contact my financial institution which is XXXX XXXX XXXX they gave me a hassle today is XXXX XXXX this dispute has been open since XXXX XXXX and still I have no outcome even though they know that the hotel attempted to charge me {$50.00} for the breaking of the reservation and could n't get it and forced the money to go through they did n't give me a provisional credit then and give me anything. My utilities as well as phone were cut off due to this Fiasco I 'm asking for {$150.00} aside from the {$220.00}. Also this card was advertised for budgeting for never being able to go negative if this car went negative and it was never supposed to that 's a classic case of false advertising.
Product: Credit card or prepaid card

on XX/XX/2020 I ordered new set of chairs from XXXX XXXX store. Upon delivery I discovered that chairs were not new and they were damaged. I have called the XXXX XXXX the same day and they told me I can return it to them and they provided me with the XXXX return labels. the product was sent back to them the next day, I have delivery confirmation, but they never credited my account back. i tried to contact them few times, but never got anything besides being transferred all the times and then get disconnected.

so i opened a dispute with my credit card company Capital One and explaine them the situation and provided with the proof of return of the merchandise but they never used these documentation when they contacted the XXXX XXXX and closed the case after XXXX XXXX stated that transaction was valid and they never received the product back
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had a late payment on an account that was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Checking or savings account

In XX/XX/2023, my Citibank checking account which is connected with an accelerated savings account was charged $ XXXX  monthly fee for the first time. We knew from when opening this account and had enough in the combined savings and checking account to avoid any monthly or overdraft fees. We called and asked why this was charged however the representative was unable to answer why this was charged. They were happy to reverse this fee. However, there was no notification as to when this fee was charged and why we were charged this fee. This represents illegal fees without appropriate notification or explanation by Citibank and I am worried about my account and the XXXX of other account holders who are being charged these fees without explanation or notice.
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. 

15 usc 1681 section 602 states I have to right to privacy.

15 usc 1681 section 604 A section 2 Also states a consumer Reporting agency Can not furnish an account without my written instructions. 

15 usc 1666B A credit or may not treat a payment on a credit card account Under open end consumer credit plan as late for any purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months
Product: Checking or savings account

On or about XX/XX/, I purchased a modem from the website XXXX. When the modem came, it was discovered by XXXX that it was stolen. When I reached out to XXXX, I was told that I did not dispute the claim on time and due to their policy there was nothing that could be done. I even contacted the seller and they read the message with no response. I disputed the information with the bank. Several weeks later, the charge was reversed.
Product: Mortgage

BACKGROUND OF THE COMPLAINT Within XX/XX/XXXX, Specialized Loan Servicing ( SLS ) issued the following payments for real estate property tax, which were made to the wrong property tax authority appraisal county office, XXXX XXXX in the following amounts of {$3900.00} and {$1800.00} respectively. However, the problem here was that the property located at XXXX XXXX XXXX XXXX XXXX TX XXXX is within the boundary of the XXXX XXXX XXXX XXXX XXXX. - See Exhibit A. 

Around or within XX/XX/XXXX, Specialized Loan Servicing ( SLS ) received a refund check from the XXXX XXXX XXXX XXXX XXXX in the amount of {$3900.00}, which Specialized Loan Servicing issued a check to me, XXXX XXXX in the amount of {$2900.00}, and leaving a credit to the escrow account in the amount of {$1000.00}. See Exhibit B. 

Around or within XX/XX/XXXX, Specialized Loan Servicing issued the last of the 2 or 3 erroneous escrow account reconciliation statements stating that there was a shortage balance in the amount of {$3100.00}. - See Exhibit C. Also, within the same month of XX/XX/XXXX, Specialized Loan Servicing received another refund check from the XXXX XXXX XXXX XXXX XXXX in the amount of {$1800.00}. See Exhibit D. Therefore, as per internal documentation provided by SLS, this amount of {$1800.00} was meant to be reimbursed to me, XXXX XXXX. Although, I called SLS and requested to send me the reimbursement check so that I could replenish the escrow account shortage.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 XXXX transactions were made with my stolen cash app card from a merchant called XXXX  the total of the transactions are as follows XXXX. {$100.00} XXXX XXXX XXXX XXXX XXXX I contacted the merchant on XX/XX/2022 and was instructed to file a dispute claim in accordance with regulation E to summarize it once the company acknowledged my dispute they must do a thourough investigation in accordance to regulation E procedure and after 10 days if no resolution I must in fact be given provisional credit while the case is being resolved after one day they sent me a email saying they found no error on those transactions and if u wanted to request the information used to come up with thier answer, was a picture of one of the transactions I disputed which makes no sense on thier behalf not only did they not follow the procedure with regulation E procedures the information they sent me that was used to deny my claim doesn't even explain or can't even be used to deny the claim l, so I need your guys help to make sure my claim is being fairly investigated in accordance with regulation E procedures please and thank you I've never used or heard of this merchant before by the name of XXXX and according to cash app based on my transaction history thier is no error, but if you go thru my transaction history thier is no purchases or history prior to the XX/XX/XXXX transactions that are being disputed so that's also false information thier saying I attached a screenshot of all the ATM withdrawals on my account history the XXXX transaction circled in blue have a different ATM fee than all the other transactions that are shown meaning the XXXX transactions I'm disputing each have a ATM fee of XXXX and all under the company of XXXX  so no other transaction on my history are from XXXX  besides those XXXX done on XX/XX/XXXX so there allegation of prior device and account history of me using that merchant before is false thier fore their resolution with that allegation has no credibility on the business cash app dispute team
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting on XXXX  XXXX Account ( Account Number : XXXX ) Dear CFPB, I am filing a complaint regarding the inaccurate reporting of late payments on my credit report for the XXXX  XXXX account ( Account Number : XXXX ). Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : Under 15 U.S. Code 1681i, Experian is required to ensure the accuracy of the information in consumer files. The continued reporting of incorrect late payments violates this obligation. 
TILA Violations : According to 15 U.S. Code 1666b, creditors must send periodic statements at least XXXX  days before the payment due date. The inaccurate late payment reporting on this account indicates a failure to meet this requirement. 
The following XXXX late payments have been inaccurately reported : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
These inaccuracies are causing undue harm to my creditworthiness and financial standing. 
Desired Resolution : Immediate removal of the inaccurate late payment notations. 
Written confirmation of the correction. 
Please consider this letter as my formal dispute. If this issue is not resolved promptly, I will escalate my complaint further, including filing additional complaints with the CFPB and other relevant authorities. 
Sincerely, XXXX XXXX
Product: Debt collection

This debt shows in my XXXX account. I have a screenshot showing I paid the original account ( utility company ). I have disputed this many times with XXXX including the detials and the screenshot and LJ Ross will not delete the collections account and they have updated the collections account to show that it was paid before they were assigned the account. I called the number listed in my XXXX account for this business and it was disconnected. I called the number I found online for LJ Ross and left a message asking for call back. I left a message on XXXX occasions. No return call, no letter. I am asking for this collections record to be deleted from my account. I have already submitted a complaint against XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violations XXXX XXXX  XXXX # XXXX Kelen v. Nordstrom, Inc. 
United States District Court, S.D. New York. 
XX/XX/XXXX 259 F. Supp. 3d 75 ( S.D.N.Y. 2016 ) On XX/XX/XXXX, XXXX opened an in-store credit account with XXXX. XXXX XXXX  XXXX. XXXX claims XXXX made unlawful disclosures to her with respect to the fees for ( 1 ) payments returned by the consumer 's financial institution, and ( 2 ) late payments. The Court describes, in turn, the bases for these two claims. 
1. Failure to Properly Disclose the Fees for Returned Payments XXXX 's account-opening disclosure contained a table summarizing key account terms ( the " Schumer Box '' ) and a more detailed explanation of the account terms ( the " Cardholder Agreement '' ). Id. 13 ; see Dkt. 24 ( " Def. Br. '' ) at 9. The Schumer Box disclosed that the fee for " Returned Payments '' was " {$25.00}. '' SAC 14.  The Cardholder Agreement also disclosed that the fee for payments returned by the consumer 's financial institution was {$25.00}. Id. 15. 
XXXX {$18000.00} report lates in August 2019, not accurate reported to the company, still on my credit bureau. Please remove, thank you. 
Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USA Juan Aguiar et al v. BBVA USA et al ( 2:20-cv-02156 ) Courts > California Central District Court Filed : XX/XX/XXXX Judge : XXXX XXXX XXXX Nature of Suit : Other Statutes - Consumer Credit Cause : XXXX Fair Credit Reporting Act Parties Matched : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Bank of Amer Koorndyk v. Bank of America , N.A. et al ( 2:17-cv-00903 ) Courts > Nevada District Court Filed : XX/XX/XXXX Judge : XXXX XXXX XXXX XXXX XXXX Nature of Suit : Other Statutes - Consumer Credit Cause : XXXX Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

ACCOUNTS ARE STILL ON MY CREDIT REPORT AACOUNT # XXXX FOR THE AMOUNT {$150.00} AND HAVE NOT BEEN REMOVED. ACCOUNTS OPENED UNDER MY NAME AS A RESULT OF IDENTITY THEFT. I SENT THE POLICE REPORT TO XXXX AND NOW I AM SUBMITTING THIS FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Product: Checking or savings account

I had an account with Webster Bank subsidiary, XXXX XXXX XXXX Account closing fee was not disclosed prior to opening account. XXXX XXXX Charged me {$25.00} to close the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX