23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My escrow account monthly payment has increased over {$120.00} in a 2 year span. I 'm in the mortgage industry so I 'm not confused, however Nationstar Mortgage is. They are an extremely poor servicer. They 're excellent at obnoxios/unnessary harassment of very good accounts but other than that they are pariahs. Long story short they have butchered my annual escrow analysis ( again ) and now are mandating that I pay an additional {$70.00} a month this year in addition to the {$50.00} increase last year. Yes my taxes have increased moderately but my payment now should be worst case {$900.00} a month and it is now, due to their incompetence, {$980.00} a month starting next month. Contacting them is a total waste of time so I 've resorted to complaining to the CFPB. Again they are excellent at actually reminding you of payment due 10 days in the future but other than that they are a liability as a mortgage servicer to the industry ... .and they do n't give a XXXX. I would like to force them to make an appropriate escrow analysis and correct their foul up.. Ultimately I 'd love to see them barred as a servicing candidate.
Product: Student loan

I participate in the Public Service Loan Forgiveness Program. I am attempting to recertify my employment status as a government employee. I have been submitting PSLF certification paperwork to FedLoan Servicing. They're rejecting my certification because of the way my HR representative completes the paperwork. All required information has been provided.
Product: Student loan

OnXX/XX/XXXX I submitted my recertification for an income based repayment. I uploaded the required documents through the official FedLoan website. A week later, it was denied. When I called back, the representative explained that on their end, reviewing the documents and requirements, there was no reason for a denial. 
The representative stated that they were re-submitting my documents again and attaching a note verifying the documents were complete. Therefore, as this is time sensitive ( due date for accepted recertification is XX/XX/XXXX ), that it should be expedited. 
Called again todayXX/XX/XXXX, and was told no notes or expedited requests could be placed on re-submitting a recertification request. Then, customer service tried to blame me for the denial of my request, even after reviewing the documents I submitted were in fact the documents needed to obtain the recertification. 
I had similar issues with FedLoan Servicing in XX/XX/XXXX, and again this year in XX/XX/XXXX 
A student loan servicer is required to service my student loan. Therefore, when I submit the correct documentation to recertify my income based repayment, and I recieve a denial every year, usually creating a situation where I pay a large sum of money for two months while FedLoan fixes their mistakes ; they are in violation of the agreement and contract they signed with the federal government to service my loan.
Product: Credit reporting or other personal consumer reports

Spoke to XXXX after reviewing my credit reports and alerts with their services. The complaint is not against XXXX. However it is to explain what is happening with my credit reports and the continued misuse of my information. XXXX credit dispute is listed on the report for XXXX XXXX XXXX, which I never applied for a loan, a bank account nor a credit card with this company. I'm not associated with them. The previous complaint on XXXX XXXX XXXX union was also listed on this report and under a separate company listed not as the bank. Which further explains the issues with the financial institution, including ATM disputes. 

Currently my credit card is in freeze mode due to hardship payments during an unemployment time period from XXXX XXXX XXXX. I have been attempting to repair my debt due to this situation, linked to the previous complaint in XXXX ( XXXX XXXX ), explaining no health insurance due to no spouse and the state denial of XXXX during the application process which was also reported on the XXXX taxes for lack of medical care for those months. This included XXXX required proof of identity and several issues with my state and local government to fix these credit damaging issues. This including emergency releases of XXXX funds to cover my expenses at that time, which left me with {$0.00} in retirement after XXXX years of fulltime employment.
Product: Checking or savings account

I received three letters dated XX/XX/18, one for each of my accounts with MUFG Union Bank, Business Checking, and Personal Checking and Savings, indicating that they would be unilaterally closing my accounts on XX/XX/2018. The letters indicate that they must ensure that they are in Federal compliance with the USA Patriot Act and the Bank Secrecy Act, and that after reviewing my transactions, they have decided to close my accounts. I operate a legitimate business and have not made any business or personal transactions that would have triggered this action. I contacted their BSA compliance department, which subsequently returned my call indicating that they could not elaborate as to exactly why they closed my accounts and told me that there is no avenue to appeal their decisions. The BSA compliance department referred me to the office of the President. After several days I received a call from the Office of the President and they would not provide me any specific information as to why they closed my account, simply stating that the account agreement allows them to close the account at any time. By not providing me a basis for their closing of the accounts, I view this as either a false accusation of criminal activity or as simple and blatant discrimination against myself or the nature of my business.
Product: Credit card or prepaid card

I applied for the card was approved. No where on the application said {$150.00} annual fee the first year then {$29.00} every year after. 
I called the card people they said its nothing they can do. I asked to speak to a supervisor the same thing. After I used the card and XX/XX/21 I saw the fee. I would have never used the card if I knew their was an annual fee. 
I called them on XX/XX/21 asked them to close the account. They said I had to pay the {$150.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. Take off XXXX XXXX. I have credit freeze and never gave information. 
XXXX. XXXX XXXX has old information. I have XXXX balances on my accounts. 
XXXX. My credit history is XXXX XXXX XXXX and they say I have none. 
XXXX. XXXX says XXXX am late on payments in 2017. I was never late. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I called XXXX and told them I would make minimum payment and they took XXXX say it wasn't enough. That is a lie.I had agreement with them to pay XXXX $ a month until I got out of accident.
Product: Student loan

Loans have been open for over 4 years and they are hard to pay and never get forgiven
Product: Credit reporting, credit repair services, or other personal consumer reports

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604. This action was initiated without any proof from any of the companies reporting. These inquiries are Not Factual since I've never authorized them. The FCRA requires Credit Bureaus to follow up and investigate those inquiries in question or delete. 
XXXX XXXX XX/XX/XXXX TransUnion XXXX/XXXX XXXX XX/XX/XXXX TransUnion XXXX/XXXX XXXX XX/XX/XXXX TransUnion XXXX/XXXX  XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX  XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX TransUnion US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX  XXXX XXXX  XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX/XXXX  XX/XX/XXXX TransUnion
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date XXXX Inquiry XX/XX/XXXX, XXXX XXXX XXXX of Inquiry XX/XX/XXXX, XXXX XXXX XXXX of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am responding to your recent communication regarding an alleged debt you claim I owe. This is not an acknowledgment or acceptance of liability for this debt. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I request that you validate this debt by providing detailed information and documentation regarding its origin and your right to collect it.

Specifically, I request the following : 1. The name and address of the original creditor.

2. A copy of the original agreement or contract that created this alleged debt.

3. Documentation showing that you are legally authorized to collect this debt, including a copy of the assignment or purchase agreement between your agency, the original creditor, or any intermediary parties.

4. A detailed account of the amount claimed, including principal, interest, fees, and other charges.

5. Proof that the debt is within the applicable statute of limitations for collection.

Until I receive this documentation, I request that all collection efforts, including reporting this alleged debt to credit reporting agencies, cease immediately as the law requires.

Please note that I am keeping records of all communications related to this matter. Failure to provide the requested documentation will result in a debt dispute and may be reported to the appropriate authorities for further action.

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit card or prepaid card

I got scammed from a vender selling defective product Online from my US Bank credit card for {$79.00}. Ive contacted vendor many times, unfortunately, never get a response. 

I tried to get help from US Bank credit card Financial institution company to dispute the charge. They were unable to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I went into a dealership to purchase a vehicle back in XX/XX/2017. The dealership asked to run my credit for approval. I asked that they only submit my report once to the most likely lender. The dealership shopped my credit to 3 other bank institutions without my approval. I want these inquiries removed. I did not realize they could be removed until now.
Product: Checking or savings account

We have signed up to opt out of over draft protection .As it was described to us its a service that doesnt allow your checking account to be over drafted past 0.So if the money isnt in the account it doesn't get pulled.FOR Years now, We have to deal the bank not following this .Like they are forcing us to use a form of over draft.The bills we pay dont post or get pulled FOR WEEKS sometimes and the companies we talk to about this Blame it on Huntington. 3 days ago my progressive app said I was paid up Until XXXX So 2 days ago progressive posted a XXXX $ pull summation to our account.which took our balance past {$0.00} to - $ XXXX.I called Huntington and they said dont worry the money isnt available and u have payed out of over draft so your account cant get over drafted so progressive wont be able to pull from your account .I called progressive and progressive said dont worry it was an accident so it getting sent back as non funds is no problem .Today they paid it and when I called to ask I get a completely different story about whats going on like usual with this bank.Im filling with u before I get a lawyer involved and XXXX XXXX .Than Im going to go to social Media and tell everyone I know to pull your money and move banks.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are credit inquiries on my credit report that I did not authorize. I only allowed XXXX to pull my credit one ( 1 ) time and I'm not sure how they were allowed to pulled my credit numerous of times without my consent. I did not authorize the following inquiries and I want them removed immediately. It should have been a red flag with Transunion, XXXX  and XXXX. I want the following inquiries removed XXXX can not provide any infomation or signature stating I agreed to any of the following hard pulls on my credit file XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX  XX/XX/2020
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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: Credit reporting, credit repair services, or other personal consumer reports

The Money Source told me over the phone multiple times that enrolling into their Home Loan Modification Program would not affect credit reporting. This got approved in XX/XX/2022. The trial payments started in XXXX of 2022. They filed Non Disclosed to the credit bureau as agreed from XXXX, and XXXX of 2022. Then randomly slapped a 90 day late tag in XXXX dropping my score roughly XXXX points. In contacting them about it they said that is not how it works and it wont be fixed, even if the employee who have you that information is incorrect we will not fix your credit report. So I confirmed if you are acknowledging your company gave me the wrong information, that person would simply be talked to, and you would still let my credit report be negatively effected they would still let my credit report be negatively effected they replied yes. I asked for the record calls to be reviewed, which they never told me they reviewed them. I can again to confirm if it was done days later and they said yes, it was deemed correctly handled. Yet they reviewed calls from XX/XX/XXXX. And all calls I requested to be reviewed at the start of the application process where back in mid XXXX, and they denied reviewing what I asked them to review. Im not having my finical reporting be jeopardized do to their negligence and in fairness absolute disregard and disrespect towards their customers well being. Attached Loss Mitigation timeline, and credit reports. Disputes have been made numerous times with all credit bureaus. But The Money Source just tells them the information is correct.
Product: Payday loan, title loan, personal loan, or advance loan

I keep receiving emails from CashNetUSA. I never applied for a loan. I know I havent applied for any loans being that I am going through bankruptcy as of now.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 1st endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX PL XXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX UXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX PL XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX Balance : {$4400.00} XXXX, XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX I Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX XXXX CARD Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit card or prepaid card

they keep charging me for dispute i keep making and they wont credit my card even though the merchant even said the accept the refund and agree to charge back see attachment
Product: Mortgage

I started contacting Loancare mortgage company in XX/XX/XXXX about failure to pay my county taxes from my escrow account. I have contacted them 6 times only to be given dates for it to be paid but none of the dates were met. Taxes still have not been paid.
Product: Credit reporting or other personal consumer reports

I am writing this complaint because there are inaccurate accounts being reported from EXPERIAN that are not complete and host inaccurate payment information. I wanted to ensure that EXPERIAN reinvestigated my account with no delay.
Product: Checking or savings account

We purchase a company 2 years ago acquiring the XXXX number with the business. After purchasing the business, we uncovered fraud by the sellers and sued them. They countersued. We are currently in the early stages of litigation. Before and after the purchase the company is banked at Wells Fargo. Today, XX/XX/year> we received the attached letter from Wells Fargo that the opposing counsel had requested records and there were released as of XX/XX/year>. Our attorney was never notified by the opposing counsel of any subpoenas and there are no court records of them requesting or being granted such records. The request was made on XX/XX/year>. Wells Fargo mailed this notice to us on XX/XX/year> and we received the letter on XX/XX/year>, one day after Wells Fargo released ALL our banking information without our knowledge or permission.
Product: Credit reporting or other personal consumer reports

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

List of Unauthorized Inquiries : XX/XX/XXXX XXXXXX/XX/XXXXXXXX XXXX - 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: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Request for Reinvestigation of Credit Report Dear Experian, I am writing to formally request a reinvestigation of my credit report due to inaccurate information that I believe has been reported. I have recently reviewed my credit report and found discrepancies that do not reflect my true credit history. 

Specifically, I am referring to the account with XXXX XXXX XXXX, which I have confirmed was reported to all three credit bureaus on XXXX XXXX XXXX This account is crucial to my credit history and should remain on my report until XXXX. However, it appears that this positive account information is missing from my Experian credit report. 

Under the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), I understand that consumer reporting agencies are required to ensure the accuracy and fairness of the information they provide. As such, I kindly request that you conduct a thorough reinvestigation of my credit report to rectify this error and reinstate my positive credit card account. 

I have attached supporting documentation from XXXX XXXX XXXX confirming the reporting of this account, along with any other relevant correspondence. I trust that you will address this matter promptly and provide me with an updated copy of my credit report reflecting the correct information. 

Thank you for your attention to this issue. I look forward to your prompt response. 

Sincerely,