23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage loan servicer, NationStar Mortgage, blindsided me by applying principal payments to my mortgage without any notice. This came on the heels of an interest rate increase, and the two combined make my payment 150 % of what it was previously, which is a significant increase and causes a financial hardship for me. 
Apparently, my note was interest-only for 10 years or XXXX payments, so they are within their rights. However, I would expect a reputable loan servicer to make sure their customer was aware of this type of increase well in advance. To expect a consumer to remember a change 10 years after signing the note is not reasonable. 
Furthermore, at NationStar 's behest, I have been paperless for a while. Each month, I receive email notifications of payment due and paid ; these have been the same for so long, there 's no reason to look at statements without being alerted of a change. I have my notifications set to alert me via email of changes in escrow, interest, etc. In the past, I have been notified of interest rate adjustments via letter and/or email so I know to expect them. In this case, I did NOT get any type of alert about the interest rate increase, and I also did not receive an alert about the application of principal payment. 
When I started investigating, I found a XXXX interest rate change announcement buried in my online Billing Statements ; apparently a notice in Billing Statements does NOT generate an alert to the consumer. In XXXX, they confirmed the interest rate increase and also inserted the principal payment. Again, there was no alert, and therefore no reason to review the online Billing Statement which has been consistently the same for so long. 
This practice seems incompetent at best and underhanded at worst. To add insult to injury, they consistently and annoyingly solicit me to refinance my loan ... and this is after I have already spoken to one of their loan officers who admitted they are unable to help me because they do not have access to accurate info on my property. They claim this is a " problem '' in Texas, so my question is, why do they keep bothering Texans with advertising and solicitation?
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : 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
Product: Credit reporting or other personal consumer reports

I am reaching out to inform you that I was shocked to discover that this account was still reported on my credit report, despite my expectation that it had already been disputed and resolved by the credit bureaus. I can not accept your decision to dismiss my identity theft claim as an error or misrepresentation of material fact. I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved, yet you continue to report this account that is unknown to me. 

XXXX XXXX XXXX XXXX. 

Please remove this account with all haste. Thank you for your attention.
Product: Checking or savings account

HSA bank mistakenly process my payment as a contribution adjustment instead of distribution, which affected my HSA tax form. I wrote a check to XXXX XXXX check # XXXX in amount of {$5000.00}. HSA bank mistakenly paid only {$50.00} on it on XX/XX/XXXX. XXXX XXXX contacted HSA bank regarding the issue, and HSA paid to XXXX XXXX additional {$4900.00} on XX/XX/XXXX. However instead of processing {$4900.00} as distribution, XXXX entered it into records as contribution adjustment and reduced amount of my contribution for XXXX by that exact amount {$4900.00}. It is affecting me because now I can not claim full tax break due to reduction of my contribution showing. I have contacted XXXX multiple times, they only have an option to be contacted by phone. They instructed me to email different form multiple times, but every time it turns as not processed, because they acknowledge that there is no such form in their system to fix such type of error, their own error. Hours and hours on the phone wasted. Stay away from this bank. They dont even have any physical address. They have foreign phone support which is barely understands XXXX, its a nightmare. I need my tax for corrected to reflect {$9300.00} contribution for XXXX. Please help me with that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a current victim of identity theft. FTC report number XXXX. XXXX, XXXX, and Experian continue to report fraudulent activity to my credit profile. The following accounts and inquiries are reporting due to identity theft, and need to be blocked and deleted. XXXX 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. I am a consumer in pursuant of 15 USC 1692 a-3 failure to delete requested acconts will result in violation in pursuant of 15 USC 1681 ( b ) ( d ) ( g ), damages will be sought in pursuant of 15 USC 78u-2.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX, a person named XXXX from LightStream contacted me regarding a {$5000.00} dollar loan.

I was interested in the loan at a 10 % interest rate. 

He said the fee was a {$100.00} dollar gift card from XXXX which I sent to him. After he received it, he said the gift card numbers were defective but they would apply for a refund. 

He asked me to purchase a {$100.00} card from XXXX which I did. 

He said I would receive the XXXX dollar loan into my banking account last Thursday. I gave him my banking information. 

Shortly after I sent that gift card, his phone number of XXXX stopped working and it still isn't working. I would appreciate any advice you might have regarding LIghtstream. 

I believe this person is doing this constantly. Thank you for your help. 

Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

OnXX/XX/XXXX, I called XXXX customer service regarding to an issue with airline fee credit and membership fee refund. They opened an investigation with reference number XXXX. I talked to XXXX whose employee ID is XXXX, he promised to call me on XX/XX/XXXXto let me know the investigation results. I got nothing from him on the XXXX, so I called on XXXX and was transferred to his voice mailbox. I left a voice message and asked him to call me back but got no response from him since then.
Product: Debt collection

I do not have an account with First National Bank of Omaha ( FNBO ). Since XXXX XXXX XXXX, I have received emails from XXXX addressed to another individual with a similar name, specifying a " FNBO Visa Card '' and last 4 digits of the account number. The email states that the account is past due and shows the amount due. 

I am not the cardholder. I have never had an account with FNBO. I called FNBO on XX/XX/XXXX at at XXXX and attempted to clarify this with the Fraud team. The person I spoke to assured me that the email was fraudulent. I pointed out that it used their real number, and the email envelope information comes from a FNBO domain. I forwarded the email to XXXX at their request. 

The individuals I spoke to on the call were unable to locate the account for this individual and assured me this was not a real email. However, the emails continue : XX/XX/XXXX : email received stating missed payment XX/XX/XXXX : email received stating account is past due. I replied to this XX/XX/XXXX : XXXX XXXX emailed me and asked me to call XXXX to discuss a XXXX XXXX Account. 
XX/XX/XXXX : email received stating " YOUR ACCOUNT IS 2 PAYMENTS PAST DUE ''. I forwarded this email to XXXX XX/XX/XXXX : email received stating " Action is needed regarding payment '' XX/XX/XXXX : email received stating " You can stop this from getting worse '' XX/XX/XXXX : email received stating " ACT NOW, GET BACK ON TRACK '' XX/XX/XXXX : email received stating " YOUR ACCOUNT IS 2 PAYMENTS PAST DUE '' I know their emails are violating regulations and they have dismissed my attempts to notify them of the problem. I have worked in the financial services industry for my entire career and I know the internal controls at FNBO have failed here. Please engage them to correct this issue.
Product: Mortgage

We was hit hard by Hurricane Michael and our home got destroyed. We have been working with the insurance, contractor and mortage company. We received a quote from the roofing contractor and it was approved by the insurance company so we contacted the mortage company to receive the deposit. The mortage company informed us we need a completion date. Since there have been millions of houses destroyed the roofers will not even put you on their list until you give them deposit. We informed mortage company of this and they did not care. So no money and no completion date. We had to pay the deposit out of pocket to get on the list for a completion date for mortage company. They finally sent a check. Now 6 months after storm our contractor is ready. We send all info to mortage company all approved by insurance. Contractor need 30 % to start which is {$35000.00}. Mortage will only cut half and says we need a inspection. The roof is all that is done and was inspected by county but that's not good enough. I asked if I could pay for an inspection and was told NO. It has been 7 days and no phone call from inspection company for inspection. I was told on Friday it would be 5-7 days but my wife was told today 8-10 days. So we are paying for a house we cant live in. Paying for a second place to live and we can all live together for the last 6 months. But mortage company get to draw interest off my month while I sit here and wait. How fair is this? If they are worried about fixing house they are more than happy to come to XXXX XXXX and fix it if they dont trust me to do it.
Product: Credit reporting or other personal consumer reports

There are inconsistencies reporting on my credit report, I've reached out to all agencies regarding the matter and have not received a response. I asked that a thorough investigation be conducted requesting for original signed documents with correct dates. 


Account info Account name XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Joint with XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Status Closed. {$13.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance {$0.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment {$0.00} Original balance {$29000.00} Highest balance - Terms 72 Months Account info Account name XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Joint with XXXX XXXX XXXX Date opened XX/XX/XXXX Status Collection account. {$13.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$13000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$13000.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX record until XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX
Product: Credit card or prepaid card

Paypal chose to suspend my account because they issued a dividend to me on XX/XX/XXXX and then withdrew the dividend on XX/XX/XXXX, so 100 % a paypal error. This was a dividend of {$2.00} so they are showing a negative balance because of their error. I immediately initiated a bank transfer to send them the negative balance, but this takes 3-5 business days. The only option to replenish the funds faster is through an instant transfer which carries a {$3.00} fee. 

Paypal is acting as a predatory institution. All I want is use of my account that is now shut off because of their error.
Product: Debt collection

I have received multiple collection calls from One Main Financial for a person that used to have my work phone number. I told the collection agency that I am not the person they asked for, and to stop calling my work phone number. They informed me that they would put down that the number is not valid anymore, but I have since still received at least 4 calls.
Product: Vehicle loan or lease

Received auto loan with high interest rate from Santander Consumer USA XXXX for a 2016 XXXX XXXX. Made XXXX XXXX monthly payments for over 4 years. Original Loan amount was {$33000.00} and made over {$40000.00} in monthly payments. when I got payoff of loan and tried to work with company to resolve with account being paid in full. I went to sale the vehicle and suddenly car was repossessed from Santander Consumer Usa. I called repeatedly and was given the run around about the situation. They then sold the car for $ XXXX and now are telling me owe XXXX balance on vehicle. This would make the XXXX XXXX {$40000.00} in payments plus the XXXX received at auction plus the XXXX they saw now I owe {$76000.00} for a basic XXXX XXXX! In addition, I can't get another vehicle because they reported on my credit report as such. This kind of predatory lending has to stop as it is affecting consumers. I lost my job as a result of no car. I tried to resolve before the repossession. Additionally the attorney general have gone after Santander XXXX XXXX and has forgiven the loans and given titles to vehicles and removed the accounts from credit reports. I am asking that this account be removed from all XXXX credit reports at a minimum as this is unfair business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did reach out to XXXX XXXX several years back However since I started disputing the error with all three credit bureaus now the issue has because worse. I did not open nor request for a XXXX XXXX credit card. My next step is to file a law suit. I made several attempts.XXXX XXXX is being Negligent on this matter. 
It has paid {$180.00} XXXX in fines for unethical sales practices that included opening around XXXX XXXX fake accounts without customer authorization. ... An investigation by the bank 's own board in XXXX blamed top management for creating an " aggressive sales culture '' that led to the phony accounts.XX/XX/XXXX
Product: Debt collection

Due to the fact that my problem does n't truly exist in the drop down menu I will explain it myself in detail. I sent a XXXX XXXX Validation letter with HIPPA requirements to CommonWealth Financial. I had my Personal Financial Consultant XXXX XXXX to speak on my Behalf with them as well. I sent a legal authorization form to them as required. This account is a medical account that was in their office and I sent the letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case the debt was never validated by CommonWealth Financial. Therefore, by the FDCPA and Texas FDCPA Law which state that a debt collector must be register with the State of Texas in order to collect a debt in Texas. Also, that no Debt Buy can hire another debt collector to collect for them in Texas my debt should be removed off my credit report and out of the office of CommonWealth Financial.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. Their being reported by 3rd parties.
Product: Credit reporting

I have disputed XXXX with Transunion yet they continue to " verify '' that the information is correct. I have disputed the company one time already with CFPB yet they did not reply so I 'm wondering how could Transunion get verification if CFPB could not. This company in question is a payday loan and in my state of NC I have found that they are illegal. So I am requesting the steps of verification that Transunion took and I am requesting that the company provide proof that there is a contract and that the contract is legal since I have found that payday loans are illegal in the state of North Carolina.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a real person Im a living human being I have a right under 15 US 1681 XXXX XXXX XXXX and Experian is govern by 15 USC 1681 and they violated my rights numerous of times I demand the counselors to be allowed to be removed from my Derogatory marks XXXX XXXX California XXXX check cashing XXXX XXXX according to 15 168 I have the right to privacy I did not give Written permission to furnish these accounts
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute & Demand for Method of Verification Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Dear TransUnion Legal Department, This letter serves as my formal dispute and legal demand under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). I am disputing the accuracy and validity of the following accounts and inquiries that continue to appear on my TransUnion credit report, despite my previous dispute filed on XX/XX/XXXX. 

Your failure to conduct a proper reinvestigation and failure to remove or verify these accounts constitutes a willful violation of federal law. The Consumer Financial Protection Bureaus lawsuit against TransUnion ( CFPB v. TransUnion, Case No. 1:22-cv-01880 ) confirms that your organization has engaged in repeated misconduct, including failing to properly resolve consumer disputes. 

Disputed Accounts ( Require Immediate Deletion or Verified Documentation ) : XXXX XXXX  Acct # XXXX XXXX XXXX  Acct # XXXX XXXX Acct XXXX XXXX XXXX XXXX  XXXX Acct # XXXX XXXXXXXX XXXX XXXX  Acct # XXXX XXXX XXXX  Acct # XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX  Acct # XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX DEPTEDXXXX Acct # XXXX Unauthorized Hard Inquiries ( Must Be Deleted Immediately ) : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Legal Demand for Verification and Action : Pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am demanding that TransUnion provide, within 15 calendar days : The method of verification for each of the above-listed items ; A complete description of the reinvestigation process used; All documentation received from furnishers that supports continued reporting of each item.

If you are unable to verify any item or inquiry listed above, the FCRA requires you to delete them under 15 U.S.C. 1681i ( a ) ( 5 ).

Failure to Comply Will Result In : Formal complaints filed with the CFPB, FTC, and New Jersey Attorney Generals Office ; Legal action for willful and negligent non-compliance under 15 U.S.C. 1681n and 1681o ; Demand for statutory, actual, and punitive damages for failure to protect my consumer rights.

This letter is a final warning. TransUnion must comply with its legal obligations under the FCRA. If you fail to respond in full, I will initiate all available remedies.
Product: Credit reporting or other personal consumer reports

There were XXXX requests for opening a credit card in my report that I don't recognize, I contacted this company to remove these requests, but they didn't help me XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XXXXXXXX XX/XX/year>
Product: Debt collection

On XX/XX/2021 Biltmore Asset Management, LLC, DBA Complete Verification contacted a third party trying to verify my identity. This collection agency deceitfully acted as employment verification entity to receive information on me. The front desk receptionist DID NOT verify my date of birth nor the last 4 of my SSN as requested by the agent of Biltmore. 

I called ( XXXX ) XXXX and reached Biltmore Asset Management, LLC which is classified as a collection agency. The representative advised me that she could not address any information regarding the account.

Due to this I request that Biltmore Asset Management, LLC and any other Name entity that they may use to do business -- cease all attempts to try to reach me or contact any third party that may represent my interest. This includes but not limited to employer, personal cell, mail, email, company phone.

Do not contact me. The company that is requesting information can reach me by US MAIL only.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the week of XXXX the XXXX, I called Experian to correct wrong names and addresses that Ive never lived at. 

I was told that they will not remove the incorrect addresses or incorrect names.
Product: Vehicle loan or lease

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have a loan with WESTLAKE FIN. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX Credit Bureaus are reporting this company to be the owner of the debt when they are not! This account was transferred or sold to another company. I tried contacting XXXX Credit Bureau requesting a complete payment history with this account for me to review the exact date on which the charge-off was posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Please REMOVE this account immediately.
Product: Debt collection

I keep getting calls from this place but i have no idea what this debt is. It has to be identity theft. I never applied for or got this money ever. I have no idea what they are talking about and they have sent it to collections. 
DRS Original creditor : XXXX  Balance details 0 % paid off Balance {$2600.00} Balance updated XX/XX/XXXX Original balance {$2600.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$2600.00} past due as of XX/XX/XXXX. 

Your statement Contact info Name DRS Address XXXX, NY XXXX Phone number ( XXXX ) XXXX