23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am almost done with my home mortgage with Nationstar dba Mr. Cooper. My XXXX statement showed an outstanding balance of {$390.00} due XX/XX/XXXX. I immediately sent them a check for the full amount which they cashed XX/XX/20 ( plenty of time before the due date ). Shortly thereafter I received in the mail a check from Nationstar for {$390.00} with no explanation and continued to receive emails that my payment was due. I wrote them a letter on XX/XX/20, including their uncashed check and copies of my correspondence via their secure message center on their website, and my payment history showing their receipt of my payment. 
I have not received any response from Nationstar other than generic replies each time I send them correspondence that they've received it, will check into it and get back with me. 
Well today I received a XXXX statement due XX/XX/XXXX in the amount of {$2500.00} with a {$100.00} late fee. I am XXXX years old and feel they're trying to scam me. Please help. 
I've received emails that state they will charge {$19.00} for phone calls and the calls I've made to them have been very unhelpful as the operator was not knowledgeable and gave misinformation. 
I will attach both the XXXX and XXXX statements and the payment history from their website. 
Thank you, kindly,
Product: Debt collection

On XXXX I Opened an account with XXXX, submitted XXXX payment, my light was never turned on, I consistently called XXXX XXXX sent bank statements showing that I paid them, then in XXXX 2015 I received a call from XXXX stating that they would they would send me a check for XXXX because they own XXXX and my lights were never put on, After receiving the check from XXXX, I changed it, after changing it, I received a letter stating that I owe them XXXX, my credit score was in the XXXX, I called torres collections explaining the situation, they said they would get back to me and never did now this money that they stated I owe is on my credit score.
Product: Credit card or prepaid card

Hello, On XXXX at XXXX I tried to make a {$740.00} payment to my American Express card at the XXXXXXXX XXXX  ATM at XXXX XXXX XXXX XXXX I learned after attempting this that it is not possible. 

The ATM tried to return all of my cash except a {$100.00} got stuck and the ATM ate the money. I watched this clearly happen. The ATM printed a machine error notice ( see attached ), and directed my to contact XXXX XXXX I then deposited the remaining {$640.00} into my XXXX XXXX  checking account at XXXX. 

I contacted XXXX XXXX, and they did an investigation. They notified my on XXXX that they had no record of any errors. 

I contact American Express and they were sure that there was nothing they could do. 

I escalated this with XXXX XXXX on XXXX, and was notified of the same result. Their issue is that because an American Express card was inserted into the ATM at the time they have no record of this actual transaction. They only have a record of the deposit made at XXXX using a XXXX XXXX ATM card ( see attached ). On XXXX I spoke with a XXXXXXXX XXXX manager XXXX who informed me I would have to pursue the matter through American Express. 

I have contacting American Express regularly since XXXX, and they have never returned any of my calls, sent me any letters, or sent me any emails. I repeatedly ask for a supervisor call back, and no one has ever called back. The American Express claim is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly informed XXXX, XXXX, and XXXX of inaccurate information that's being reported on my credit file. The first dispute was sent to all three bureaus on XX/XX/2022. I did not receive a response from my dispute. I also sent a dispute to the company furnishing inaccurate information to the credit bureaus, but still -- I did not receive a response. I repeated this dispute in XXXX of XXXX, and again in XX/XX/2022. Still no response. 
The inaccurate information has prevented me from being approved for a mortgage. I ask that CFPB investigate this matter on my behalf.
Product: Debt collection

Crown Asset Management, a debt collector, is suing me for a debt that I previously requested validation for via a letter sent to them on XX/XX/XXXX. I also filed a copy of the letter with the courthouse since I was being sued at the time and still lived in XXXX. I first learned about this alleged debt from a letter served to my ex on my behalf on XX/XX/XXXX. Prior to this, I was never contacted by mail or phone about the debt and was not given a chance to validate it in accordance with the Fair Debt Collection Practices Act. After receiving the letter, I sent a validation of debt letter on XX/XX/XXXX requesting more information about the debt. Crown Asset Management never responded to this letter, and it has been over six months since I moved to a new address in XXXX and also had my mail forwarded without receiving any reply. 

On XX/XX/XXXX, Crown Asset Management filed a motion for summary judgment without providing me with the information I requested in my XX/XX/XXXX letter, which I had filed at the courthouse when I lived in XXXX  XXXX. I discovered the motion on their website and was upset that they had not properly furnished me with the requested information. I also noticed that the motion was addressed to an unknown address, so I would not have received any correspondence from them even though I had given them my address in my debt validation letter. Crown Asset Management 's actions appear to be in violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, and I believe that my rights have been severely violated. I am seeking the removal of the derogatory account from my consumer report as it has had a significant impact on my life.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/2023 XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$130.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XX/XX/2023 XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$130.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXXF XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1100.00}
Product: Mortgage

XXXX XXXX XXXX is servicing my loan. I have been behind on payments since XX/XX/2017. I spoke with them about options to bring my loan current as well as grant me and extension to be able to pay. Everytime I speak with a representative, they tell me something different. They told me I had till XX/XX/XXXX,  thus I asked them to send me this information in writting. They refused. They are lying to me each time I speak with them so they can foreclose.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  XXXX Account Number : XXXX Dates of Late Payments : 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, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax XXXX a late payment reported by XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : I made the payment on time as confirmed by the bank statement attached. 
A clerical error seems to have occurred in reporting the payment, as there is no record of any missed or delayed payment on my end. 
Additionally, the payment records from XXXX  XXXX do not reflect any past due amounts during the disputed time period. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

yes i pulled my consumer report with experian and it seems someone opened a XXXX credit card in my name i reached out to both companies but now it remains on my report as a chargeoff i disputed the unauthorized accounts but got no responses or information regarding my issue i would like for the account to be removed immediately XXXXr card # XXXX opened XX/XX/2019
Product: Mortgage

I applied for a {$58000.00} mortgage on a {$68000.00} low income property owned by XXXX in XXXX, Delaware, on XX/XX/XXXX ; XXXX XXXX a XXXX Agent referred me to M & T Bank - XXXX XXXX, XXXX. Given prior racist practices, this bank was sued and found to have violated the civil rights of minority applicants.As a result, it was required to post grants towards the purchase of low income homes - specifically, this Bank, upon certifying the approval of the mortgage for this unit, was required to post {$10000.00} towards the purchase, thus, reducing the purchase price to $ XXXX..We spoke 2 minutes ; he was to return my call Friday XX/XX/XXXX ; he failed to do so ; he thereafter failed to return several phone calls ; he failed to provide requested information re ; the requirements, conditions of the loan.He was made aware of my qualifications - XXXX Credit Score, No Debt, XXXX Income {$50000.00} ; confirmation of unit would be my primary residence.I was told that with the bank stipend of {$10000.00}, the closing costs I would need to pay would be $ XXXX.I informed him time is of the essence, that I am currently residing in XXXX XXXX, NJ at the Financial /Pandemic Ground Zero, that I had lost everything in XXXX due to Bank frauds, that this property represented a critical opportunity for me that I needed to seize upon.He could care less ; he's a racist this little fellow - I am a nobody, but he is a nobody as well, more importantly, he's on notice, this bank has already been taken to Federal Court and found to be racist.But no, this along with the fleecing of the public in XXXX apparently is not sufficient for this little racist manunderstand, he is going to jump to attention and render the same quality, XXXX on the Spot service he XXXX up to.After ten days of never hearing from this gibberish peddling, cocksure charlatan, I demanded to have another loan office assigned. This second arrogant. cocksure, ethically, intellectually challenged upstart - XXXX XXXX, the first Clown 's Colleague.She pronounced " you don't qualify for the loan? " What loan, what are the terms, with what amount of a down payment, with or without your {$10000.00} stipend, which loan, a fixed, arm, 5 15 or 30 year loan? Please provide an explanation, a term sheet setting forth federally mandated lending terms, conditions, lending guidelines, etc., etc,. etc., This Clowness responded : '' I don't understand what you mean, what documents, information are you referring to,,,? ' '' As I told you, you do not qualify for the loan. " On XX/XX/XXXX - Federal Taxes for XXXX were sent to this same Clowness - in repudiation of the fraudulent, malicious, per se illegal, unlawful intentional effort to deceive, mislead this MINORITY MORTGAGE APPLICANT, that he does not qualify for {$400.00} total housing cost, including HOA, taxes, P & I, when I in fact do.This is deliberate, intentional misconduct designed to deprive me the benefit of the {$10000.00} stipend.
Product: Checking or savings account

Action Status : 1. The Branch Manager at USbank XXXX XXXX  XXXX has stated that he has also reported this case to the authorities in his bank as well and the fraudulent person 's account has been flagged. 
XXXX. The case has been assigned to Detectives in XXXX and XXXX XXXX. 
3. The case has been reported to the originating bank, Central Pacific Bank in XXXX. I have a contract with a construction contract called DISTINGUISHED DEVELOPMENT in XXXX XXXX. I provided a payment to this company through checks written on Central Pacific Bank for {$6200.00} and {$1500.00}. A fraudulent person, Case : XXXX XXXX, intercepted the checks and created a company called DISTINGUISH DEVELOPMENT as well as a bank account at USbank with that name. He was able deposit those checks into his own bank account, hence stealing the funds. The bank did not properly check the name on the check to see that it was different and allowed the transaction! The entire purpose of a trusted bank in this function is to check to see that the payee and the payable match! I would like my funds to be returned to me from USbank.
Product: Credit card

Finco services/ current bank was alerted that I received a fraudulent transaction from XXXX XXXX and requested to freeze my account. They froze all accounts except the one that XXXX took from and didn't even try to get me a refund after I asked.
Product: Debt collection

The event begin occurring as of Thursday, XX/XX/XXXX, at XXXXam. 

A lady, who identified herself as XXXX and calling from a blocked number, indicated that she was a representative from the XXXX XXXX XXXX dispatch office. She then proceeded to ask me if I was home and if XXX was my home address. I told her no, and asked what this was in reference to. She mentioned she was in possession of legal documents to deliver to my home and that XXXX XXXX  XXXX were the legal entity. I then requested for the XXXX XXXX XXXX phone number, and she gave as XXXX. 

I immediately call that number and was greeted by an individual named XXXX. He mentioned a case number, in addition to the amount that was apparently in question. He said that XXXX XXXX XXXX was suing me a credit card amount, dating back to XXXX. He began to become irate when I questioned him about the statue of limitations which I thought was odd. He also indicated that if I had the means, I should just make a payment to him over the phone. This was also a red flag, as I was then asked him why would I do that if the office I called was a law firm? Is it standard practice for law firms to collect payment 'FOR ' entities they represent? I then asked if he was a credit debt collector or law firm, and he replied law firm. I then requested to speak with his lead and he hung up the phone. I called the number back and this time he had a very nasty attitude and indicated that I could not speak to anyone above him, and in fact the reason he gets paid the big bucks is to handle 'individuals ' like me. We ended the call, and I proceeded to call my local precinct. 

I was told by the precinct that no one makes phone calls to individuals from the dispatch office, and neither does the Constable 's presiding office make phone calls to request confirmation of one 's address in order to serve any legal instrument. 

I've also since called the XXXX XXXX XXXX bank to confirm understanding of what was told to me about a particular account, as there is no such card on my credit report. The representatives confirmed that the account is no longer with XXXX and there is no active litigation in process with the company the loan was sold to. 

I have since contacted the Federal Trade commission and all 3 credit bureaus to place alerts on my SSN. However, I'm concerned that these black market cyber pros will take my SSN and try to do something harmful.
Product: Checking or savings account

In XX/XX/2018 I filled out form in order to open an account at Suntrust Bank considering I was about to start work and needed an account to receive my wage. 
As per the teller information, my account was opened. They gave me my bank details and copies of documents related to the account opening. I also made a {$100.00} deposit. 
When I started working on XX/XX/2018 I gave my Suntrust Details for my employer for Direct Deposits purpose. 
In the other hand, my debit card never arrived. I got in touch with the Bank on the first week of XX/XX/XXXX and was informed that my account had been closed. Ive never received any explanation about that. 
For my Surprise, for the time being my deposit was not returned. 
Suntrust cancelled my account and never returned my money. 
I would like to file a complaint to get my case solved and my money returned.
Product: Prepaid card

There was XXXX unauthorized transactions on my American Express for XXXX card over the course of 3 days. I was given a temporary refund and then it was taken back out of my account because according to American Express the transactions were authorized and I needed to contact the merchant. I called to get information about contacting the merchant and was told that they would email the information to me. However when they did email it I could n't access it because the link expired in 24 hours. I called over 5 times to request that information again and speak to a manager. I was told that I would get a call back and the information resent each time and I never received the information or never ever received a call back. American Express then discontinued the American Express for XXXX card and I 've been trying to contact American Express since XX/XX/XXXX when the card was discontinued. The American Express for XXXX card phone number is discontinued and I 'm not able to get any information. This has been going on since XX/XX/2015.
Product: Credit reporting or other personal consumer reports

TransUnion has failed to fulfill their legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against TransUnion, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes or Allow disputes with all the creditors in question to be submitted. These failures align with my experience where TransUnion has neither corrected or removed the item despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed account as TransUnion inaction violates federal law and my rights as a consumer.
Product: Credit card or prepaid card

XX/XX/XXXX I received a CC from Capital One for a CC I never applied for. I called the fraud dept and they were very difficult to deal with as i was hesitant to provide my personal info due to multiple times of identity theft. I told the rep I want the card closed immediately as this is not a card I want or applied for. I ran a credit report today, and it is reflected on it but does not appear any action on it has occurred. The rep told me they will open a claim but would not confirm they would close the card! 

Captial One makes it extremely difficult to find an address pertaining to fraud as I wanted to send a certified letter to them to put them on notice to cancel the card. IMO they are violating the law and I am suspicious they may sent me the card to attempt to get me to activate. Looking at the poor reviews online it would not surprise me. 

The card # is XXXX XXXX XXXX XXXX Any additional info you might need please contact me
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently applying for a mortgage. I initially applied for a mortgage on XX/XX/XXXX then again on XX/XX/XXXX and XX/XX/XXXX. All applications were within the 45 day period. However, Transunion and XXXX  lowered my score by 50 points based solely on these inquiries-no other credit factors explain the drop in the score. Both companies are violating the 45 day rule.
Product: Debt collection

The company Keynote Consulting INC is asking me to pay {$10000.00} for a debt that I do not owe, this debt belongs to my husband XXXX XXXX which we have been separated for XXXX XXXX years. I did not give no one permission to use my name for no purpose like co/sign. at as you examine the document take a good look at the document and you will see that my name has been forged electronically under my maiden name. I've attached my Id to show you how my name is spelled and written, I contacted consumers credit union and Keynote Consulting Inc about this matter constantly about this, but the specialist was only concerned about payment Iam a very sick woman I've been diagnose with XXXX 14 years ago and Iam fighting for my life every day ; therefore, the last thing I need is to have my identity stolen. this is not my debt and Iam not associated with this debt by no means, this debt belongs to my husband, he is responsible for this debt, please reach out to these company and have them to delete this off my Credit report. 
Please and thank you.
Product: Credit reporting or other personal consumer reports

Upon reviewing my TransUnion credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Product: Consumer Loan

I purchased a Tractor in     XXXX   2016     and have been making monthly payments of {$1300.00} every since. I had an ez-pass that I did not know was n't working. As a result I incurred a lot of toll fees that were sent directly to my lender, Cresco. The lender, Cresco then sent those fees to me with an extra {$30.00} attached. Cresco said the {$30.00} fee was their fee for paying my tolls.   On top of all that, just this month, I received more tolls ( {$900.00} plus ) which I paid directly thru ez-pass. Now  Cresco  is asking me to pay again. They said I have to pay them because they have to dispute my payments with ez-pass I explained to  Cresco  that these bills have already been paid and they are still asking for more money and will take this money directly out of my account. They could also repo my tractor if I do not pay, so I have paid everything and am looking to be refunded.