23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My complaint is about Nationstar Mortgage, which holds the mortgage on my primary residence. I recently set up for online autopay of my monthly mortgage. On XXXX XXXX, I noticed, upon checking my Nationstar online account, that the company charged me twice for my XXXX payment. I notified them promptly via the online correspondence form provided on the website. A few days later, I got a response saying I need to send them a faxed copy of my account statement showing that they charged me twice. I emailed them back and asked if they can just transfer that overcharge to my XXXX payment. Instead, they gave me a generic response saying a customer service specialist will contact me in 5 days. At this point, it 's already the end of the month and my XXXX payment will be due. I believe they are intentionally making it difficult for their customers to receive their refund and they are hoping that they can discourage their customers from demanding them to rectify these mistakes so they are inherently making customers pay extra for the loan interest. If it takes them a split second to charge me twice on my account, and this is their error, it is unethical business practice to delay refunding their customers. They should not be allowed to benefit from using online bill pay service if they are abusing this and victimizing their customers. While this is supposed to be a benefit for their customers, they have used it to steal money from their customers.
Product: Money transfer, virtual currency, or money service

On Sunday ( XX/XX/22 ) I was eating breakfast with my family when I decided to check my online banking, I come to a surprise that I am missing {$990.00} from my savings account. After inspecting my transactions I see an unauthorized transaction for the amount of {$990.00} transferred to an external account. I started freaking out and immediately called the Jp Morgan Chase fraud Department and it turned out that they only opened Monday-Friday. The next day Monday ( XX/XX/22 ) early in the morning I call the Chase fraud department right before work and file a claim, after going through the process of filling a claim I was told that I should be credited with my money within 3-7 business days while the claim is being under investigation. On XX/XX/22 I was credited the {$990.00} as told and I felt so relieved and content. I thought this nightmare was over but noooooo, almost 2 and half weeks later on Thursday XX/XX/22 I decided to check my online banking and see that chase bank has taken my money back because they reversed the claim. I call them once again early in the morning on Friday XX/XX/22 and ask what was going on, well the Chase Bank team came to a conclusion that It was not a fraud because after checking all of my transfer history, they saw all transfers had the exact same IP address, that meant that the transfer was done from my device. I was freaking out and told them it wasnt me, I told them I didnt recognize the account number that the money was going to and that I did not authorize this. They apologized and told me there was nothing to do, I once again say it wasnt me and how I could get my money back. They gave me a fax number and told me to send prove that it wasnt me authorizing the transfer and that this was the only way the claim could be reopened and reevaluated to be able to get my money back. I felt very unprotected, furious, and scared. I felt like I was in a movie because it seemed like whoever did this, had perfectly executed this, because their not giving me my money back and the crooks are keeping it all. I then started some research and saw some articles and videos of victims going through what Im going through right now. I am seeking help to get my money back, because this is a fraud, I dont know how these crooks did this but I am sure not going to let my money disappear from one minute to another.
Product: Credit reporting or other personal consumer reports

Experian, XXXX, and XXXX has the incorrect information on my accounts as far as account balances and late fees.
Product: Credit card or prepaid card

I went into a XXXX XXXX store and asked where to pay my balance and return an item. I returned the items and knew my product was less than XXXX bucks of my balance. I attempted to give the cashier XXXX dollars and she refuse saying the systems shows no balance and mentioned the product I brought was not on sale so item returned at the higher price covering the XXXX cent balance. Either the system or teller was wrong, as Corporate XXXX XXXX said I owed XXXX cents and became 30 days late XXXX XXXX for the XXXX. I never received a bill or notification. I wrote a letter along with XXXX dollar bill and sent it to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX as a prevention method. 
Two customer service reps one XXXX other unknown wrote internal complaint letters on the handling and requested cashier training on clearance and sale return items. 
I am still fighting for a lower Mortgage rate that was hiked because of this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for chapter  XXXX  bankruptcy on  XXXX   XXXX  of  2017. I filed jointly with my spouse. The bankruptcy was discharged o n  XXXX   XXXX  of  2017 . The bankruptcy is still not showing on my credit report with any of the  XXXX  bureaus. It does n't even show that I filed at all. It is already showing on my husbands that it was discharged. I contacted Transunion,  XXXX , and  XXXX  on  XXXX   XXXX  to see why it still have n't reported it. They all tell me, it 's nothing they can do because that are just a monitoring agency. They have n't given me any resources or any other response besides there is nothing they can do since it 's not reporting. I called again on  XXXX   XXXX  once it was  discharged  and was told the same thing. I know the bureaus received the notice because again, they are reporting the accurate information on my credit file. I was told there was no reason to send the documents, because they ca n't correct my credit file because they only do " credit monitoring ''.
Product: Student loan

I filed for bankruptcy in XXXX, Firstmark is still charging me late fees and requiring payments during bankruptcy. They say Nelnet requires this.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear credit report agency, I am writing to dispute the accuracy of the information contained in my credit report. According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to delete inaccurate information from credit reports -XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I demand these accounts be deleted from my hard inquieres their unauthorized inquiries If you continue to report this in my credit report it will only compound the legal consequences you will face. I urge you to do the right thing Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

In early XX/XX/XXXX I received notice my mortgage payment would increase from {$1300.00} to {$1300.00} because my escrow account had insufficient funds - this made sense based on an insurance company change and a check that was sent to me. At the time I didn't understand why I was receiving the check and should have called the mortgage company, so again this increase for XX amount of months was understandable because I deposited the check and should've sent it back to be deposited into escrow. I believe the issuance of a check to me was a mistake by the then servicing company of the loan. 

In XX/XX/XXXX I received a notice from the new company over my mortgage, New Rez Financial, that stated my mortgage would be increasing from {$1300.00} to {$1500.00} because of insurance and tax changes. My insurance rate for the year increased only about {$120.00}, or {$10.00} per month, so a {$190.00} increase is outrageous. I called the county where I  reside, XXXX County, and they stated an increase of that amount is out of the ordinary. When I contacted New Rez Financial they were unable to explain exactly why the amount increased like it did, other than pushing the explanation off on XXXX County and saying " your taxes went up ''. 

I need a detailed description and breakdown of why New Rez Financial is attempting to raise my mortgage payment ( starting XX/XX/XXXX ) by so much money. I'm already paying {$35.00} more per month over the course of the last 12 months and an increase of an additional {$190.00} is not acceptable.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax continue to report incorrect information on my consumer report. The account listed as XXXX XXXX  has several inaccuracies which means this account could not have been properly verified. Furthermore any account that is terminated with a balance due the balance should be refunded to the consumer so how is the credit bureaus reporting this account as a collection and charge off. 

High Balance : {$350.00} {$0.00} {$350.00} Last Verified : XX/XX/XXXX - -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX - - Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Credit Limit : {$200.00} {$200.00} {$0.00} XXXX Treatment of credit balances ; account termination. 
( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number.

( b ) Account termination.

( 1 ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge.

( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is imperative to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bday is XX/XX/XXXX. TU has it as XX/XX/XXXX. Ive sent numerous complaints to them & XXXX & heard NOTHING back. Oddly enough, last year XXXX XXXX I was an ID theft victim 3x- no doubt, my bday was listed as being on the XXXX then, too. Tho, I filed my XXXX taxes with a XXXX from XXXX & everything went pretty much fine BUT this would DEFINITELY explain why I dont have credit history, despite paying off a car from XXXX XXXX XXXX XXXX that was financed in my name 2 years early & having the same cell # for 20+ years & not being late for one payment. Now, I cant change my DOB for some reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been out of the country do doing mission work. I came back and found out my bank account have been closed from XXXX XXXX   XXXX XXXX is reporting that I have a loan that I owe on my credit reports. My bank account was compromised why I was overseas I never took out a loan I need a signature showing I took out this loan so I can find out who took out this loan in my name. This is not my loan so therefore this needs to be there late at from my credit reports. I have asked XXXX XXXX  for a signature they told me they could not provide me with one if they can't provide me with a signature I need this removed from my credit reports today
Product: Credit card

I was shocked when I reviewed my credit report and found late payment on the dates below : 90 days past due as of XXXX 60 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies made " hard '' inquiries on my credit report WITHOUT my consent or authorization ; XXXX XXXX  1. XXXX XXXX XX/XX/2022 2. XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/2022 3. XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2022 4. XXXX XXXX XXXX XX/XX/2022 5. XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 6. XXXX XXXX XXXX XXXX XX/XX/2022 7. XXXX XXXX XX/XX/2022 8. XXXX XXXX XXXX XX/XX/2022 9. XXXX XXXX XXXXXX/XX/2022 10. XXXX XXXX XX/XX/2022 11. XXXX XXXX XXXX XXXX XXXX 12 XXXX XXXX XX/XX/2022 13. XXXX XXXX XXXX XXXXXXXX XXXX 14. XXXX XXXX XXXXXX/XX/2022 15. XXXX XXXX XXXX XX/XX/2022 16. XXXX XXXX XX/XX/2022 17. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XX/XX/XXXXaccording to XX/XX/XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Equifax in reference to the reporting of an account listed on my credit report. I disputed the account and asked for the account to be verified with proof of if the account was valid or not. These inaccurate accounts were disputed XX/XX/2020. Today is now XX/XX/2020 and still I have no received any update or results from my dispute.
Product: Debt collection

This is an ongoing issue that originated with XXXX after I closed an account in person. The account was not properly closed, which was a bank error resulting in charges to myself. I made relentless attempts to resolve this matter, and now the debt has been forwarded to a collection agency.
Product: Mortgage

I started the process to refinance my current mortgage. The closing lawyer attempted to obtain the payoff statement, but they would not provide that statement for 4 business as they claimed they are behind. The lawyer informed me I could obtain the information sooner. I called and spoke to a representative on XX/XX/XXXX who said she could request I receive the payoff statement in 24 hours if she requested an expedite through a supervisor. I called back on XX/XX/XXXX, my closing date on the refinance, to determine the payoff amount as I had not yet received the payoff statement. I was told that it had not yet been generated, but still could be done today. I asked to speak to a supervisor and was told that one was not available and could call me within 24 hours. They also told me that there was no one within the company that could help me with this inquiry.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

RECENTLY, I HAVE REVIEWED MY CONSUMER REPORT AND NOTICED THAT TRANSUNION ARE ALLEGING THE FOLLOWING ACCOUNTS ARE ( **CHARGED OFF/CLOSED** ) WITHOUT HAVING FURNISHED ANY SUBSTANTIAL PROOFS OR EVIDENCES OF YOUR CLAIM. ACCORDING TO FEDERAL LAW, IN ORDER FOR TRANSUNION TO REPORT THIS ACCOUNT TRANSUNION WOULD HAVE HAD TO VERIFY AND VALIDATE ALL ALLEGED DEBT. AS OF ( XXXX ) THE FOLLOWING ACCOUNTS HAVE NOT BEEN VALIDATED. AS A RESULT OF THIS THEY MUST IMMEDIATELY BE REMOVED FROM MY REPORT AS I DO CHALLENGE THEIR VALIDITY. PURSUANT 15 USC 1681B. 
ACCOUNTS LISTED BELOW Account Name : 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 PLEASE CONSIDER THIS LETTER AS AN INITIAL COMMUNICATION DEMANDING ANY EVIDENCE OF MY OBLIGATION TO ABOVEMENTIONED ACCOUNTS. AS A REMINDER, ANY ACCOUNT THAT YOU CONTINUE TO REPORT WITHOUT BEING ABLE TO VALIDATE IS A DIRECT VIOLATION OF MY RIGHTS LISTED THROUGH THE FDCPA AND FCRA BOTH TOGETHER AND SEPARATE.
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 process 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, and I seek appropriate redress for all violations
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List account below has violated my Federally Protected consumer Rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 section 604A.

It also states a consumer reporting agency can not furnish an 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 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: Credit reporting or other personal consumer reports

I am writing to bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlines I 15 U.S CODE 1666 ( B ) under the billing error category : ( 4 ) The creditors failure to accurately reflect a payment made by the obligator or a credit issued to the obligor on a statement.

( 5 ) A compilation error or similar accounting error made by the creditor on a statement It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to be render any ramifications of late payments regarding the linked accounts. Am in pursuit of concrete evidence from the creditors bank records that will support the assertion I failed to make a payment, resulting in an erroneous designation as late- a sign of an invoicing error- therefore.

I humbly request that the subsequent entries be promptly updated on my consumer report to reflect their current status as follow : paid as agreed.

Also as you can see in the picture below there are multiple errors which is a violations all XXXX creditors has to report the same thing therefore my credit need to be updated YOU HAVE A LOT OF INCONSISTENCIES