23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Nationstar MortgageXXXX XXXX, Texas XXXX am writing because of the nightmare we have experienced since Nationstar purchased our mortgage from XXXX 's First 10 months ago. This will be my last attempt to resolve this before I file a lawsuit and register complaints with all of the relevant government agencies. 

We purchased the residence in XX/XX/XXXX and took out a mortgage with XXXX XXXX. We have never had a late payment and always maintained proper insurance. In XX/XX/XXXX our house was completely ruined by Hurricane XXXX. We requested permission and received it to knock down the house from XXXX 's XXXX. XX/XX/XXXX we knocked down the house, gave XXXX 's XXXX all required documents proving the house was gone and they gave us permission to cancel the flood and hazard insurance. 
Nationstar purchased our mortgage XX/XX/XXXX. After a few months, Nationstar asked why we did not have flood and hazard insurance. We explained and sent all the required documentation at least 3 times. XX/XX/XXXX, Nationstar put a charge in my escrow for {$2200.00} for purchasing flood insurance. We immediately called and called and after months of calling, they credited the {$2200.00}. 
We started building a new house in XXXX, XXXX and received the Certificate of Occupancy XX/XX/XXXX. As soon as we received the Certificate of Occupancy, we purchased Flood and Hazard Insurance paid both for a full year naming Nationstar as the Mortgage holder. Now XX/XX/XXXX, I see a new charge of {$2100.00} for Hazard Insurance. We again called and called, resent all of the same paperwork that we did in the previous months and the escrow department told us that they are sorry, the charge will be deleted. It was not deleted in XX/XX/XXXX, I called and they said it is OK, it is set for deletion. It was not deleted in XX/XX/XXXX, I called and called and when I got through, they said it was set for deletion. Now I received my XX/XX/XXXX escrow statement and not only was the charge not deleted, they estimated my XX/XX/XXXX insurance and the same rip-off rate that they are charging me through this company XXXX. Now due to the incompetence of the insurance and escrow departments, my mortgage is {$1600.00} per month when I was paying {$1000.00}. My new payment should be {$1000.00} plus insurance ( {$570.00} for floor and {$610.00} for hazard ) which is {$99.00} equals {$1000.00} plus taxes {$87.00} equals {$1100.00}. Very simple. 

My wife and I are exhausted dealing with this, I tried calling 3 times today and after waiting on the phone for a long time, I was suddenly disconnected. I would refinance with another company, but simply do n't have the time right now. I need Nationstar to remove the charges for the insurance, refund the escrow money and estimate my escrow correctly within 60 days.
Product: Checking or savings account

All my irs refunds and stimulus were put into Bank of America account that Im not on account and I cant get my money contacted bank America and irs both bounce me back to each other all my stimulus and irs refunds were deposited into account not my name I never got
Product: Checking or savings account

I have a XXXX XXXX Checking account. 

I had {$290.00} in it which I wanted to withdraw so I could close the account. So I set up a transfer to my XXXX XXXX  account for {$290.00}. 

Nothing happened. No confirmation and it didn't even show up in the recent activity. It also said there was an error with the transfer when i tried again so I instead used a check. 

I wrote a check to myself for {$290.00} and used the Mobile Deposit feature to get my funds. 

I received the {$290.00} in my XXXX account and called XXXX XXXX to close my account. 

When I called however, the woman speaking said she was unable to do so because I was overrated by {$290.00}. 

Confused by this, I look at my bank statement. The check went through perfectly fine but than the transfer went through the day after and it charged me {$36.00} in fees because I did not have enough funds. 

So I received a total of {$590.00} ( $ XXXX ) as a mistake. 

Eventually, XXXX XXXX took back the extra {$290.00} but still charged me the {$36.00} fee despite the fact that I received no confirmation that my transfer went through. 

If someone does not have enough money in their account, they're probably in a situation where they can not afford the {$36.00} and would rather have a " Transfer Declined '' instead. 

I had to pay the {$36.00} regardless and wrote a check, all because of an error on their behalf. 

They have made no efforts to right this and all I want is my {$36.00} back. 

I have screenshots showing I deposited the check first and THAN the transfer went through.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of CFPBs lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has neglected to protect consumers and allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This unacceptable lack of accountability and transparency raises serious concerns about customer safety.
Product: Mortgage

I spoke to Penny Mac loan services today regarding the CARES act. We are currently in forbearace due a covid19 hardship. We would like to place our forbearace amount into a balloon payment at the end of our loan as stated in the CARES act. Penny Mac is  denying us this option.
Product: Credit card or prepaid card

I had an available credit amount of {$30.00} on my last statement, made a total of {$480.00} in payments and had {$72.00} posted charges and {$220.00} of pending charges. I should have {$220.00} in available credit ( I have a {$400.00} credit limit on this card ) but was only given {$170.00} credit. After speaking with several people at Chase via phone who agreed with me, I was transferred to XXXX, who works in XXXX Florida ( her supervisor is XXXX XXXX ) who argued for over a half hour that my available credit should not be {$220.00}. We went over the calculations and she refused to simply add up the amounts. She refused to give me access to my credit saying that I was wrong. I am now unable to pay a bill because Chase is refusing to provide me with the difference of {$170.00} and {$220.00} ( XXXX ). Here is the calculation done two different ways : {$30.00} available credit XXXX purchases + {$300.00} payment - {$52.00} purchases + {$180.00} payment - {$220.00} pending charges = {$220.00} available credit. OR ... .. XXXX statement balance +XXXX purchases posted -XXXX payment posted + {$52.00} purchases posted - {$180.00} payment posted + {$220.00} pending purchase charges = {$170.00} balance of charges $ $ {$400.00} credit limit - {$170.00} balance = {$220.00} available credit. In speaking with several customer service and payment center representatives since then ( XXXX AND his supervisor XXXX in XXXX XXXX to name a couple ), they all refused to provide me with the proper credit. XXXX even told me that {$170.00} should be my available credit ... which is WRONG! That instead should be my balance charged on my card after the pending charges come through. Chase holds onto your money improperly- gaining daily interest on money you pay over your credit limit but not even allowing your access to it.
Product: Money transfer, virtual currency, or money service

To whom it may concern : PayPal closed my account for absolutely no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Product: Credit reporting or other personal consumer reports

A hard inquiry was made on my credit report from a bank that I have never applied to. I believe I may be victim of identity theft or fraud. I received an email stating that my application for an Indigo Mastercard was rejected, despite not submitting an application whatsoever. The email states that this happened on XX/XX/XXXX at XXXX. I got the email later that day at XXXX XXXX Like I already said, I believe someone tried to open a fraudulent credit card account using my information. The email even shows my previous address.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 Stated that I have the right to privacy.

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

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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened a Citibank Savings account online last month. When opening the account, I clearly indicated that " I am NOT subject to any tax withholding '' in the account application. However, Citibank made a very serious mistake by still withholding tax from my first month 's savings account interest. 

I request Citibank to immediately correct the error by refunding the incorrect tax withholding back to my savings account. Meantime, I request Citibank to ensure my savings account is set correctly to " Not subject to tax withholding ''.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Please I need an investigation on this account as it is seriously affecting my credit.
Product: Student loan

Nelnet keeps sending me increasingly aggressive and threatening emails. The last of them, on Thursday, XX/XX/XXXX, states : " [ ... ] continued delinquent reporting, to the national credit reporting agencies. Legal action, including property liens and wage garnishment. Default and the obligation to repay your student loans ( sic ) in full to a collection agency. '' Nelnet has altered, doctored, manipulated my loan repayment plan. They suggest that I am behind in payments after having first placed my loan in forbearance of which I did not request. Thus, instead of the income contingent repayment plan, which I would not be required to make payments, forbearance set me behind in number of years remaining before my loans can be forgiven. Additionally, Nelnet has an extraordinary amount of documentation that I have been sending to them for many years. Nelnet has my official social security yearly forms without interruption at least from XX/XX/XXXX and many others documents, such as the ones proven I 'm receiving EBT ( " food stamps '' ). Nelnet knows as well that my monthly Social Security check is for {$260.00} and they know that my yearly income they have the forms showing it, for I sent them to Nelnet with religious punctuality is less than {$4000.00}. Which means, unequivocally, that I 'm living much lower than the Federal " poverty line ''. Nelnet knows as well that I live in a XXXX XXXX XXXX XXXX for senior citizens with very low income. Nelnet knows also that I 'm XXXX years old, and, therefore they are harassing and abusing an elderly person. Is Nelnet going too garnish the {$260.00} dollar a month of my Social Security ; is Nelnet going to put a " lien '' on my food stamps or perhaps on monthly S.S check?
Product: Bank account or service

I would like to know if a bank has the authority to rearrange transactions in the consumer 's checking account after the funds is cleared in account? Or should the bank provide the consumer with correct, online, account information on all transactions made to the consumer 's account including pending fees?. What is the Consumer Finance doing to stop these banks from charging the helpless consumers from these excessive and unjust fees?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : Dispute of Unauthorized Hard Inquiries Dear XXXX, I am writing to formally dispute unauthorized hard inquiries on my credit report, as per my rights under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681b. Upon reviewing my credit report, I noticed the following hard inquiries that I do not recognize and did not authorize : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XX/XX/XXXX According to the FCRA, hard inquiries are only permissible with my explicit authorization or in connection with a credit application or transaction initiated by me. I did not authorize these inquiries, nor have I conducted any transactions or submitted applications with these entities that would justify their presence on my credit report. 

I kindly request that you investigate these inquiries and provide documentation of my authorization or remove them from my credit report immediately. Please note that inaccurate or unauthorized hard inquiries can negatively impact my credit score, and their removal is of utmost importance.

Attached, you will find the following documents to assist with your investigation : A copy of my government-issued photo ID A copy of a utility bill or bank statement to verify my current address A copy of the relevant section of my credit report highlighting the disputed inquiries I appreciate your attention to this matter and request a written confirmation of your findings or the removal of the disputed inquiries within the time frame allowed by the FCRA. If you require additional information, please contact me at ( XXXX ) XXXX or XXXX Thank you for your prompt assistance. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I filed a formal complaint with XXXX XXXX XXXX  regarding XXXX ( XXXX ) unauthorized credit inquiries that appeared on my credit report. These inquiries, which took place between XX/XX/XXXX, and XX/XX/XXXX, were made without my knowledge or consent. Concerned about these unexplained entries, I requested proof of authorization and questioned the accuracy of the entity names listed on my report. 
In my complaint, I emphasized the critical importance of safeguarding personal information and ensuring compliance with the Fair Credit Reporting Act ( FCRA ). Due to the seriousness of the issue, I escalated my complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for further investigation. 
By sharing my experience, I hope to raise awareness and assist others who may face similar challenges with unauthorized credit inquiries and issues related to credit reporting agencies. 
It is essential to understand that the name of a company must exactly match the name of the registrant as specified in its legal documents, such as articles of organization, articles of incorporation, certificates of formation, or charters. If the company name on a credit report or legal document does not precisely match the registered name, it may not be legally recognized as the same entity. This distinction is crucial because it can differentiate between a legally recognized organization and a nonexistent one, potentially invalidating contracts, disrupting the enforceability of agreements, and complicating legal proceedings. Ensuring the correct legal name is used, especially on consumer credit reports, is not just a formalityit is a fundamental legal requirement that protects the integrity of financial transactions and upholds consumer rights.
Product: Credit reporting or other personal consumer reports

Equifax has included negative information reported by third-party debt collection agencies on my credit file, despite the fact that I never provided consent or signed any application authorizing this agency to report such information. I have requested proof of a signed application or contract, including my valid drivers license, but neither Equifax nor the reporting agency has provided this evidence. This raises serious concerns about Equifaxs compliance with FCRA regulations regarding permissible purposes for accessing and reporting consumer credit information. The unauthorized reporting of this information has negatively impacted my credit score and financial standing, causing undue hardship. I respectfully request that the CFPB investigate Equifaxs practices in this case and take the necessary actions to have this derogatory information removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, account or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX
Product: Debt collection

I have an unverified account from ARS ACCOUNT RESOLUTION. I had previously disputed this account. I have never done business with ARS ACCOUNT RESOLUTION. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that ARS ACCOUNT RESOLUTION provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ARS ACCOUNT RESOLUTION Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Student loan

I have previously submitted a complaint about the payment count for the PSLF program. The results returned as a range of 63-80 payment counts for the individual loans. I do not understand how I can have different payment counts since my loans were consolidated when I graduated in XX/XX/XXXX and began payments in XX/XX/2011. Thank you.
Product: Credit card or prepaid card

I signed up for an American Express XXXX XXXX but can not access the points I have accrued. They are listed on my account page as available and when I call in they say they can be used, but when I try to transfer them there is a hold on them. 

I am trying to purchase an airline ticket ASAP using the points but can not because of this hold. I have called the company several times, been placed on multiple holds, but nobody can tell me what the hold is about nor allow me to use my points, which of course I have earned by meeting the spending requirements and paying the sizable yearly fee. 

Amex should immediately allow me to use my points per the terms of my agreement and add at least an additional XXXX points to my account because I can not use the points that I need to use to book a ticket in a time sensitive manner.
Product: Money transfer, virtual currency, or money service

Cash app has closed my account over a year ago because I disputed a transaction for over {$700.00} and had proof that the store was fraud and even emails from the store itself saying to dispute with my bank and they closed my account because they didnt want to give me my funds back and now they wont give me an account
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX - XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX  - XXXX XX/XX/XXXX {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.