23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Newrez manages my mortgage payment and escrow account. This situation started when I switched my home owners insurance policy and I sent all policy information to Rewrez as instructed. I needed that insurance payment removed from escrow because I paid it upfront in full to my insurance provider. They added the insurance provider to my escrow account and paid it again, which sent my escrow account into the negative. Initially, online, I tried to make my monthly mortgage payment and a payment to escrow to bring up the escrow deficient after they paid the home owners insurance policy ( they were told not to pay it ). The payment on XX/XX/XXXX was sent to the wrong bank. There is no way to verify, online, payment sources and that option is not available in their payment portal. I will accept that responsibility of not updating my banking information on payments returned as NSF due to the incorrect banking institution being listed in their system. On XX/XX/2024, over the phone, I made a lump sum payment to cover my monthly mortgage ( {$910.00} ) for XXXX and an escrow payment totally {$1500.00} ; and updated my banking information.This transaction in the amount of a lump sum payment of {$2500.00} was posted to my banking account on XX/XX/2034 to cover the monthly payment and escrow payment. 

Newrez, on the same date I made the {$2500.00} payment over the phone, added {$1500.00} to escrow and then deleted it stating the bank returned this payment, which they did not and applied my monthly mortgage payment for XXXX in the amount of XXXX. These two payments came out of the {$2500.00} they collected on XX/XX/2024. 

After several phone calls, sending them documentation, and hours of listening to nonsense telling me my XX/XX/XXXX payment in the amount of {$2500.00}, which posted as paid by my bank on XX/XX/XXXX was rejected by my bank, they finally applied the {$1500.00} from the XXXX payment to my escrow account today BUT also today I received a call from collections telling me I didn't make my XXXX payment ( made on XX/XX/2024 ) and then tacked on a late fee for a payment posted on XX/XX/2024 and cleared my bank on XX/XX/2024. So I have no idea what they have done with my XX/XX/XXXX loan payment, and neither do they as evident by a collections call today saying they never received the XXXX payment. This fiasco has been going on for weeks, and I'm done. They just keep compounding their mistakes and who knows where my XXXX payment of {$910.00} went to. I can't find any relief.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I received a telephone scam in which the person posing as a XXXX police and prosecutor claimed that I was involved in a XXXX XXXXXXXX XXXX XXXX XXXX  and money laundering case and I needed to be repatriated to my home country. 
In order to not be extradited I needed to submit a proof of funds to the XXXX. So the other party asked me to go to the U.S. BOA bank at about XXXXXXXX XXXX EST on XX/XX/XXXX to remit XXXX XXXX dollars to the other party 's XXXX XXXX XXXX XXXX XXXX account, and to remit XXXXXXXX XXXX to the other party 's designated Industrial and XXXX XXXX XXXX XXXX XXXX XXXX  ) account through the cell phone APP of the XXXX XXXX XXXX 
I found out on the evening of XX/XX/XXXX that this is a scam, and completely lost contact with the other party.
Product: Credit card or prepaid card

I have had multiple accounts from the same company, Upgrade Inc, opened under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the early stages of the Covid pandemic, I experienced an income loss that temporarily prevented me from making an auto loan payment on my active loan with Flagship Credit Acceptance. Through the CARES ACT, I was granted a temporary forbearance, and I have since resumed payments and brought the loan current. However, despite that, Flagship Credit has continued to report to the credit bureaus that my auto loan payment has been late since 2020, and continues to report the account late today! According to the CARES ACT, none of these delinquencies should have even reported to begin with. I have asked Flagship Credit Acceptance to correct my pay history on several occasions, but they never take any action to correct the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXt account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right 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
Product: Debt collection

I sent validation request to RS Clark and Associates. Letter sent certified via USPS on XX/XX/2020. Received on XX/XX/2020. RS Clarke Associates sends letter on XX/XX/2020 a balance listed. A second validation request was submitted certified mail via USPS on XX/XX/2020. Letter received XX/XX/2020. RS Associates sends letter on XX/XX/2020 stating 2nd request was a frivolous request.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions was authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees, This issue appears consistent with recents findings by the CFPB which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive & unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my mortgage with XXXX mortgage on XX/XX/2019, their system had issues and when I finally got to pay it was after XXXX. I noticed a couple of days later that a credit monitoring report said I have a payment 30 days late on my mortgage. I called XXXX and was told that it was a mistake and would get corrected by a letter getting sent to the credit beaura. When I called to follow up weeks later I was told because I made the payment on XX/XX/2019 after XXXX it's like I paid in the XXXX. I think this us unfair because 1 the rep told me that it would be corrected, 2 I never knew about if a payment was made after XXXX it was for the next day, and 3 i actually paid on the XXXX which actually is a day before the XXXX. But they will not remove the negative report.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : 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
Product: Debt collection

I am writing to dispute the validity of the debt referenced in the collection account reported on my credit report. I have no knowledge or recollection of this alleged debt, and I am requesting immediate verification and validation of the debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

recklessly putting soft inquiries i opted out of seeing it an all 3 major credit agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX declined me,XXXX fcra, same job 5 years dti lesa THAN 11 % WHAT DO I HAVE TO HAVE 800? THESES COMPANT USING UNFARILY LENDING PRACTICES B/C I HAD MY id THEFT STOLEN.. i VERIFY IN PERSON IT Was me and answered all there question..
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Fraud Statment : I am a victim of identity and I have some fraudulent items on my credit report that dont belong to me. I dont recognize them, nor did I authorize them. I ask Experian to Follow the fraud guidelines and delete and block the following information on my credit report : XXXX and XXXX XXXX XXXX and they have failed to do so.
Product: Credit card or prepaid card

I currently receive credit card paper statements from a particular bank for a specific reason. However, I feel that the bank that has provided the credit is indirectly forcing me to select electronic statements by not allowing me to few my statements online. I have contacted the bank today, XX/XX/2023, and asked why I am not given the option to view my statements online without having to enroll in electronic statements? The representative apologized and stated that he would send me the statement via email within 24 to 48 hours. The other credit card companies that I currently have accounts with does not limit my access to the online statements because I have not enrolled in electronic statements. This bank is not consumer friendly and is not giving the consumer the option to view their statements online without having to enroll in electronic statements. If I need to view a past statement for financial reasons, I will have to wait to receive it in the mail or call them and complain about this matter in order for them to send it to me by email, which is not convenient because I will have to wait as opposed to being able to see it immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company illegally added an Extended Fraud Alert ( Expiration Date : XXXX/XXXX/XXXX ; Date Reported : XX/XX/2023 ) without my knowledge, written or verbal consent to my credit report..
Product: Vehicle loan or lease

I was financed a loan back in XX/XX/year> after not even having the car 3 weeks so many issues started occurring I kept communication with strike Acceptance and also the dealer who sold me the car to let them know the car had a lot of repair Issues I kept getting the run around and even calls ignored I let Strike Acceptance know after spending well over XXXX on repairs and labor on the car that it was nothing else I could do the engine went out I was so XXXX XXXX XXXXXXXX about this I put XXXX down and couldnt drive the car i started experiencing issues within 3 weeks of having the car I was even still making the payments on the car while it was constantly in and out the shop because I was really tying to become a home owner and didnt want to harm my credit well it still effected my credit I called strike to come and get the vehicle after I was quoted XXXX for a new engine would you believe they wouldnt come get it! It was months later before they came and got the vehicle They harassed and threatened me the whole time I was told I had to pay the loan off because they approved it and I owe them the money back they didnt care or have any concerns on how this was all effecting me they just wanted money which I was all out of I had nothing else to give or pay I was already in a financial hole trying to pay and fix a vehicle that I shouldnt have had too especially just after 3 weeks I also had to pay to put a warranty on it since i couldnt get anything situated I put a lawsuit out on the dealer who sold me the car I let Strike Acceptance know of that also they brushed it off as if they didnt care and proceeded to constantly call and harass me about money that I told them numerous times I wasnt paying anything else on a car that I dont have in my possession and thats not even running I won my lawsuit against the dealer obviously the judge ruled in my favor because it was true that I was indeed sold a bad car! The dealer appealed the case so now its ongoing I tried everything to settle this matter before court nothing was able to get accomplished so now he we are back and forth to court I just want these people to leave me alone they are scammers and work along the dealer they have a bad rep where more than one person is saying the same thing about them Im still without a car but Im going keep fighting in court until i get whats rightfully owed to me!
Product: Credit reporting or other personal consumer reports

XXXX XXXX reached out via email to discuss a repossession matter over the phone. I dont feel the need to do that, because this matter should be resolved through consumers financial bureau . Again, I have a balance that XXXX XXXX  reported to the credit bureaus that I allegedly owe after the vehicle has been sold at an auction allegedly. By law, the first letter I shouldve received is a notice of intent to sell property. Once the lender has sold the vehicle, I shouldve received a letter called a deficiency notice. This letter is a statement to show proof of the sale, proceeds, repossession fees, the remaining balance fees. This vehicle has been repossessed in XX/XX/scrub>XXXX XXXX  and still I have not received any of these letters. This goes against the FCRA laws, and should be removed off of my credit report for inaccuracy, and no proof of sale.
Product: Mortgage

I fell behind on my mortgage by two months and I have been working on getting caught up. I plan to use my income tax return to do so and the money is due any day now. I sent my normal payment to the XXXX which is serviced by Dovenmuehle Mortgage. They rejected my payment and I have yet to speak with anyone that can actually tell me what XXXX is going on. How can they reject a payment? I am willing to make good on my loan but I will never use the XXXX again because of the experience I have had with the servicer. 

How can this company do this I wondered and then I started doing some research. I get the impression they are targeting veterans like myself by servicing loans for the XXXX and XXXX. I am worried they will XXXX and I do not know how to fight them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Radius global filed a doctor 's bill on my credit report that was never sent to me. I paid the bill and it is showing on my credit report. Isn't there a law that paid hospital and doctors bill shall be remove off credit reports. Why do I have to wait for that can you all see to it that this is removed, the item is paid ref # XXXX
Product: Credit card or prepaid card

XXXX XXXX Bank has discontinued its credit card services. I hadn't used their card because of terrible customer service and their new points system. In XXXX they announced a new USBank credit rewards card. Upon acceptance, XXXX XXXX discontinued all credit services and passed their customer to USBank. I got my USBank card and immediately used it to pay my cell phone bill. I messaged XXXX XXXX to ask them to close the old XXXX account so 2 credit lines would not show on my credit report. I called USBank to make sure my credit was secured and their customer service assured me I had nothing to worry about. A day or two later, I tried using my USBank card at a retailer and the card was declined. XXXX XXXX asked USBank to close my credit despite the fact that was not what I asked. 
I called USBank and they could not explain why my account was deactivated despite the customer service notes showing I wished to use the USBank credit. USBank told me it would take 18 days to try to reactivate the account. I asked how I was supposed to know when I could use the card and they could not give an answer. Both XXXX XXXX and USBank have terrible customer service. All this transpired the last week in XXXX and first week inXX/XX/XXXX. I have an excellent credit rating so I fail to see why this would accur. I have no documentation from US Bank and only a closure letter from XXXX XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act " XXXX XXXX XXXX- Account Number XXXX '', has violated my rights. 

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

Barclays Card is hitting me with 2 hard inquires for XX/XX/2018 and XX/XX/2018. I should only be hit with 1 inquire as both were done on XX/XX/2018. The confusion is it took them 2 days to process the other part. I have spoke to them on the phone back on XX/XX/2018. There customer representative said they would remove one of these hard pulls. I believe it is the one on XX/XX/XXXX. Either way they 100 % guaranteed one will be removed since both were placed on same day of XX/XX/2018. 

Since the company agreed to remove one of the inquiry 's, I just hope they can kindly stick to there word and fix up this confusion. I have been a loyal customer and just want what was promised to me. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit act XXXX XXXX XXXX XXXXXXXX with Marcus by Goldman Sachs has violated my rights.

15 USC 1681 section 602 : states I have the right to privacy.

15 USC 1681 section 604 A section 2 : also states a consumer reporting agency can not furnishe an account without my written instructions. 

15 USC 1666 B : states a creditor may not treat a credit account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several documents highlight the inaccuracies on my accounts and the company has failed to fix these inaccuracies and it is effecting my credit score in a negative manner causing me hardship and hindering me from completing the final step of getting my home loan. I demand that all inaccuracies are REMOVED IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello My name is XXXX XXXX I have been having this problem with equifax for a 2 years now. Every time or month I dispute a discrepancy that they have regarding a car loan account, they would fix it and then it goes right back to the same mistake. 

I had a car loan with ( XXXX XXXX XXXX XXXX ) in XXXX, Md in which at one point was repoed in XXXX of XXXX and then the following day it was reinstated. Every since XXXX of XXXX, Equifax would have this account status as " Repoed ''. To make it confusing it show as Repoed/Reinstate. However, this would drop my drop my score to about 100 points. I have been disputing this with equifax and the XXXX XXXX XXXX XXXX loan company. When I contact the loan company they say that this what equifax want this to put on the status. Every time Equifax get an update from the loan company they believe the account is REPOED. So I got fed up and paid off the loan in XX/XX/XXXX and received the lean release to try to help make it better. Low and behold it still comes up with the same thing. I would dispute this every time and they would fix it and the next month it goes right back to REPOED. I do not know what to do. The last 2 dispute was last month and today. Yet I feel I can not do anything. They have several dispute for the same account for the last 2 years and I've call on a number of occassion.. HELP. What else can I do to tell Equifax to stop this. I never had this problem with XXXX  or XXXX. Any help will do. Thank you much XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX and XXXX have both violated my rights. 15 U S.C 1681 section 602A. States I have the right to privacy. 

15 U.S.C 1681 Section 604A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. 






XXXX XXXX XXXX XXXX XXXX XXXX Collections- summary XXXX XXXX XXXX XXXX XXXX  {$710.00} XXXX XXXX {$710.00} XXXX XXXX Last Updated XXXX, XXXX Payment Status Charge-off Worst Delinquency Bad debt/collection Balance {$580.00} Credit Limit {$300.00} Credit Utilization 196 %
Product: Credit reporting or other personal consumer reports

The following accounts do not belong to me they are fraud. I am a victim of identity theft my info was on the dark web and other breaches. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately.

I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them. I also request that an immediate block be placed on all these fraudulent accounts and blocked from any future reporting i have provided my ftc affidavit for your review.

2. 1. Validation of the debt-that is the actual accounting.

3.

4. Verification of signed Invoice.

5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered.

6. Please provide the original docurse and wet signature if you can't provide these items Delete them. 

Below is the items that need to be blocked from current and future reporting and deleted immediately. 

XXXX XXXX XXXX accnt num XXXX XXXX XXXX XXXX balance XXXX XXXX all other fraud inquiries that are on the report.
Product: Student loan

ECMC keeps hiring third party bill collectors to either put a wage garnishment on my paycheck or to continue harassing me despite the fact they have no evidence to prove I incurred this debt. Every time I dispute with the credit reporting they hire another third-party collector based out of Delaware.
Product: Credit card or prepaid card

XXXX XXXX XXXX charged me annual fees {$40.00} on credit card which I was not aware of. I requested them to refund {$40.00} fees as customer courtesy one time only but they are forcing me to pay.