23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This is an amendment to claim # XXXX that was submitted on XX/XX/XXXX. In that complaint there were XXXX issues that were of concern regarding the servicing of the my mortgage loan and of the unauthorized disbursements of premiums and taxes. On XX/XX/XXXX I received a call from XXXX, who previously identified herself as a manager in the escrows department in a conversation of XX/XX/XXXX. During that conversation she acknowledged Nationstar was receipt of the documented proof of flood coverage, but the flood line had not been removed as promised.She said there were notes in the files of previous calls regarding these issues and the promises made to resolve them going back months. She informed me that based on our conversation on XX/XX/XXXX and the documents I provided she has removed the flood escrows line but has refused to remove the tax escrows line from my mortgage although she found that I had the escrows shortage in the amount of {$400.00} XX/XX/XXXX but the tax escrows line was not removed as promised. The 2 reasons for the denial of the tax escrows I was told was that ( 1 ) the loan was delinquent ( 2 ) the taxes were late. I believe Nationstar is acting punitively by taking such a hard stance on one of their policies regarding non escrows accounts. The delinquency was caused when Nationstar made the error in increasing my payments. It remained delinquent because Nationstar was negligent in the servicing of the account. Nationstar did not resolve the issue in a timely manner even after showing proof that they were in error. Finally, Nationstar has never provided anything regarding the implementing of an escrows on account that were originated as non-escrows accounts. I agree my XX/XX/XXXX taxes were not paid until XXXX. They were delinquent for 6 months and I had every intent on paying them but Nationstar had already disbursed payment. 

It is customary for " any creditor or company '' to issue a late notice when payments are late. The city of XXXX XXXX did issue send a such a letter. However, the property was not in imminent danger of being sold for a {$360.00} tax bill and Nationstar, being a major lender in home mortgages and serving industry is well aware of the time lines associated with tax sales. 
By taking such a punitive stance it appears Nationstar, who is a leader in the mortgage and GSE servicing industries, is saying it is ok for a major company to to make egregious errors, display poor customer service, and to make adverse decisions without quick resolutions, but the consumer in non exempt and must adhere to all the rules and regulations regardless to whom erred. I believe this has been the a very poor display of customer serivce and of servicing.
Product: Credit card or prepaid card

A cashiers check was sent to TJX Rewards Card in XX/XX/2021. It was cashed, funds removed from my account however never applied to my credit card balance. I called TJX with my bank ( UCCU ) on the line to resolve this issue 7 times. On 2 occasions they said they found the payment and credit my account only to withdrawal the funds at a later time. I paid the balance off with additional funds as I didn't want to be charged for interest. We also have 2 phone recordings where they said they found the funds. The account is closed yet I have a {$6700.00} balance which is accruing interest.
Product: Debt collection

To Whom It May Concern, I am writing to you regarding what I consider to be negligence and a violation of the Fair Debt Collection Practices Act. My spouse and I both received voicemail messages from a debt collector from Recovery Partners on XXXX/XXXX/XXXX regarding a subrogation claim that had been assigned to me. I do not believe that this collection agency should have been contacting my husband regarding this claim. I returned the collector 's phone call and was informed that a claim of {$3200.00} had been assigned to me. The collector disclosed the claim information to me and asked me if I knew a " XXXX XXXX '' or anything about the car accident related to the claim to which I told him I did not. I stated that I was concerned that I had been a victim of identity theft and requested that the collector return my call as soon as possible when he had more information. 

I contacted the collection agency on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX requesting that they disassociate me from this claim immediately. They stated that they would not do that. I emailed the collection agency on XXXX/XXXX/XXXX with documentation proving that the debt was not mine and requested that they cease all verbal communication with me. I also contacted a claims representative from the collection agency 's client for this debt, XXXX XXXX at XXXX XXXX XXXX on XXXX/XXXX/XXXX. She informed me that I am in no way associated with this claim and that my name is not on the police report for this auto accident. 

I contacted the collection agency on XXXX/XXXX/XXXX and the collector stated that he knew that the debt was not mine and in no way associated with me but refused to take my name off of the account. He also stated that he received my email and that he could no longer contact me once this was resolved. 

On XXXX/XXXX/XXXX, the collector contacted me and stated that my name had been removed from the account and that the mistake was made because the client ( XXXX XXXX XXXX ) had given their collection agency my information with relation to this debt. 

I am very frustrated with the lack of due diligence on behalf of the collection agency and unprofessionalism displayed by several collectors I had contact with over the phone. I also do not believe that the collector should have contacted me by phone after I sent a letter via email stating to cease all verbal communication with me ( which he acknowledged in a previous call ). I also do not believe that my spouse should have been contacted regarding this claim. The collectors were extremely deceptive in that they lied about how they associated me with another person 's debt by first stating that the license plate reported in the police report was my license plate ( which I proved was incorrect ) and then stated that XXXX XXXX XXXX informed them that this was my debt ( which the insurance representative confirmed was not true ). I would never want another consumer to experience this deception and I am sure that this agency has broken the law. 

I can prove these facts by phone records and documentation. 

Thank you, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have freeze on my account. I am unable to open any new accounts like a checking account, saving, credit, and car financing. 
Please help me fix this. 
I need to start my life and saving for my family. 
My name XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I made my mortgage payment in XXXX, but that same month my husband had an accident falling off the roof. To stay ahead of the situation, I requested hardship assistance on XX/XX/XXXX. Unfortunately, I never received the form. Despite making numerous calls and sending an email to the CEO with the loss mitigation team copied, I did not receive any response or assistance. 

I made a total of 12 calls between XXXX and XXXX and also reached out to the CEO, yet no one was able to provide the necessary form. The form was finally sent to me in XXXX. 

I believe that appropriate measures could have been taken to address this delay and ensure my request was processed in a timely manner. XXXX XXXX, the XXXX XXXX Escalation Specialist, acknowledged that the delay was due to a system outage and apologized but did not offer a solution.

The delay and lack of action resulted in misreporting on my mortgage account, causing significant stress and negatively impacting my credit score.

I understand that while we await approval from the loss mitigation team, Freedom Mortgage will still need to report my account as late. However, I want to emphasize that I requested hardship assistance in XXXX, yet I only received the necessary documents in XXXX. 

Had I received the forms on time, I would have been approved for a program that could have prevented the late payment from being reported, as I would have been approved before reaching the 30-day late payment mark.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any items in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX DOB : XX/XX/XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX Balance : {$13000.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$250.00} XXXX XXXX  XXXX Balance : {$770.00}
Product: Student loan

On XX/XX/XXXX I submitted my payment in full through Nelnet, who is my loan servicer. The payment made was {$61000.00}. On XX/XX/XXXX I received an email saying that my payment was denied. Following up with this I called my financial institution only to find out that no transfers of money were even attempting to be made. I went ahead and resubmitted the payment only to find that I had accrued more interest in that timeframe. I scheduled a payment for {$61000.00} on XX/XX/XXXX. Since I submitted the payment it still says pending. While the payment was pending I noticed that I had accrued {$24.00} in interest. So I submitted another payment on XX/XX/XXXX for the {$24.00}. The {$24.00} drafted from my bank account, however, the {$61000.00} has not. So I reached out to Nelnet to see what the problem was. After being on hold for three hours the representative told me I just needed to use a different bank account for the {$61000.00}. I am just concerned because I do not want to accrue any more interest while I am trying to pay off the total of my loan. I am just frustrated and feel that this needs to be looked into.
Product: Credit reporting, credit repair services, or other personal consumer reports

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


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, 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.

15 u.s.c 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make 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. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have an incorrect collection showing on my credit report with the original creditor being XXXX, but reporting as Pinnacle LLC. The original account was supposedly opened in XX/XX/XXXX, and was recorded as delinquent. I disputed the account because it did not belong to me and thought the matter had been resolved. Unfortunately, the account has come back and Pinnacle LLC is showing delinquent with a date of XX/XX/XXXX, pushing the old account forward XXXX Years from the original account date. This is not, nor has this ever been my account and I would like it removed from all of the reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Open/closed Open Date opened XX/XX/2023 Account type Credit Card Status Current Status updated XX/XX/2023 Past due amount - Highest balance XXXX XXXX Monthly payment {$15.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Capital One Bank USA, XXXX, and XXXX XXXX The Account Opened is Capital One Bank USA Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$500.00}. The Account Opened is XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$120.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just want to inform you for the final time in a professional manner. Look, I 've been getting harassed, disrespected, and receiving threatening phone calls that I will be getting sued by your company acting as a lawyer. I do n't take threats lightly and I have contacted the Police to file a report on behalf of this matter, contacted the state attorney general, FTC, BBB to file complaints, I have contacted my lawyer to insist on pursuing legal actions against you. You have not only cause me to fear for my life, you 've caused major damage which I am now XXXX, and I 've been treated unfairly. I am unaware of the accounts. I request each of you collection Agencies and creditor reporting agencies show me proof of verification that you supposedly have in your file. There is no actual copy of the supposed debt that you 're saying I owe, i am unaware of these accounts. 
By law if you 're unable to provide legitimate validation of this debt with the actual contract, you must remove it immediately. You 've violated my rights by harassing me at work, on the phone, you also threatened me to pay a debt that I am unaware of, you have illegitimate debt that you are trying to collect on an innocent civilian. FCRA requires an established process to be outlined and all credit reporting companies are to verify every account it reports on before reporting on it. It violates a major section of the Fair Credit Reporting Act. 609. 

1. XXXX XXXX 2. AmeriCollect 3. XXXX XXXX
Product: Student loan

I received a notice from NELNET of my monthly payment as soon as the freeze on payments because of COVID ended. I believe it was in XXXX of last year. I paid the notified payment with a slightly larger payment amount anticipating that the extra would go directly towards the principal. I continued to do this for XXXX months. 

In XXXX, I was checking my account when I realized that the principal was actually increasing rather than decreasing. If I continued to make the this payment I would have never paid the loan off. I contacted NELNET to find out what my payment schedule would be and to have the situation explained. 

I was notified via email from the NELNET Customer Service Team that my payment amount was verified to be correct. I returned the email with a second question : How many payments will I be required to pay off the loan? 

I received another email from a different NELNET Customer Service Team member stating that I would have a XXXX payments at the verified amount. This is where it gets interesting. 

If you multiply the amount of payments by the verified payment, the total paid will be approximately {$20000.00} short of the full loan amount. I brought this to their attention via email and they answered with a telephone number to contact. 

I contacted this number only to have them tell me that I had to contact the NELNET Customer Service Team for a better explanation. I sent them another email and yet to have a response. 

I can't seem to get them to give me a payment schedule. I looked on the website and it says is that it is not ready yet. 

I checked the interest amount stated on the statements I have been receiving. The verified payment only covers about a third of the interest. The statements are also confusing because each states that the verified amount is applied to the loan and the additional amount is stated but doesn't seem to be applied anywhere. Very confusing statement. 

I am making payments which are more than the interest accrued but have no idea when these payments will pay the loan off completely.
Product: Mortgage

WellsFargo did not pay my county taxes on time. They did not alert me that they 're may not have been sufficient funds in my escrow. This caused me to have my credit report show a lien placed which looks like I did not pay on time.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I received a fraud alert message on my phone for {$2500.00}. Upon replying no to the message, I received a phone call from Capital One customer support number, which I verified before proceeding. I did not disclose any personal information on the phone call, as the rep repeatedly told me they would not ask for any. I was informed that the money had been transferred via XXXX, and as it was a third party app, the only way to retrieve my money would be to send it back to myself. I proceeded to add my cell phone number and email address to a XXXX account via my Capital One app and sent {$900.00} to my personal phone number. Once sent, I received a notice that the transfer was successful to another individual named XXXX XXXX.
Product: Mortgage

I 'm trying to do a short pay on the property deeded in my name, the original loan was in my ex husbands name ; so I 'm trying to get the loan in my name. My ex husband was the victim of predatory lending and the mortgage on the home is what lenders call " upside down '', when my ex husband left he filed bankruptcy on the loan and I started paying it so I would n't lose the home. At one point it went into foreclosure because of the monthly payment and I was unable to pay it. I would like to get this mortgage in my name and not have to worry about it going into foreclosure again. I was working with the previous servicing company that serviced the loan and the loan was transferred to another servicing company. The current company has been giving me the run around on the loan, I have submitted all documents they have asked for an even proven that the property is not worth the VPO value determined by an estimate they obtained. The servicing company tells me that the variance is determined by a third party vendor of theirs but will not supply me with the name, they have refused to tell me who now holds the actual mortgage on my property and that I have to deal with them. I 'm not allowed to speak with their underwriters or anyone within the company other than their customer service agents. I 've tried numerous times to go through their resolution department to no avail. I finally decided to do some research on my own and found out that this particular company was fined in the past by the Federal Trade Commission for unfair business practices that caused numerous people to lose their homes. I have a XXXX son and I have lived in this home with him and modified it for his use since XXXX. The previous serving company had come to an estimated value of XXXX XXXX and I 'm willing to pay that, the current servicing company is in no way willing to take XXXX XXXX when I 've submitted document proving its value to on be worth that amount and even offered to show them the correspondence from the previous servicing company. The current company is wanting XXXX XXXX more. I 've asked them to justify to me how they can determine the property is worth more than the previous servicing company. Their customer service agents do not forward my estimates when I turn them in and then I 'm told the final decision has been made. Honestly, I think the company is trying to push me into a foreclosure, they contacted my ex husband and tried to talk him into signing a deed in lieu so they could put the house on the market and sell it. I honestly believe this company is trying to sell my home out from under me using whatever means possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

My purse was stolen ( XXXX police report number XXXX ) and my identity was used fraudulently to apply for multiple accounts. This crime resulted in over 40 fraudulent inquiries, personal identification information, employment information, and other inaccurate information on my credit reports from all credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. Please remove the late remarks immediately. 
XXXX XXXX Date Opened : XX/XX/2018 Balance : {$370000.00}
Product: Credit reporting or other personal consumer reports

That on XX/XX/2023 I sent a written notice to Capital One Auto opting out of credit reporting. Capital One Auto has yet to respond to my demands.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear [ ExperianXXXX XXXX ] Customer Service , I am writing to formally request the correction of inaccurate personal information that is currently present on my credit report. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws, and I am seeking your assistance in rectifying the discrepancies promptly.

My personal information is as follows : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX  XXXX, CO XXXX Date of Birth :XX/XX/XXXX Last 4 of Social : XXXX
Product: Student loan

I worked for a qualifying employer from XXXX and have submitted the ECF multiple times. Fedloan Servicing is only giving me credit for XXXX. I have contacted them about this repeatedly over the past two years. The old excuse was it would take a few months to update. The current excuse is that USDOE does the payment count for TEPSLF. I submitted a request for reconsideration with Federal Student Aid last month and have heard nothing. The NYS AG filed a lawsuit against Fedloan Servicing and the agreement states that borrowers are entitled to a recount of payments. After waiting on hold for over two and a half hours today, the representative claimed that I can not request a review or recount, which is in violation of the lawsuit agreement. I want my payments recounted and I want credit for XXXX. I believe I would qualify for PSLF if my payments were accurately counted.