23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Complaint file against Nationstar Mortgage now called Mr. Cooper. The complaint is about the hazard insurance the lender obtained for the house located in XXXX XXXX. According to lender, they obtained insurance policy with {$1500.00} premium paid and asked me to pay for it. I sent them letter and told them I am not paying as I have complete insurance coverage for the property continously and no lapse or nothing. I sent the policy information provided to me by my insurance agent and confirming that the property is fully covered with hazard policy continously without interruption or lapse ofr that matter. MY insurance agent faxed to lender 's Insurance department the information about the insurance coverage of the property on XX/XX/XXXXbut lender failed to organize their records of receiving such faxed information. Now lender claimed not received the insurance information from my insurance agent, then obtained the policy with the insurer of their choice and now asking me to pay them for the premiums they paid. I sent them a letter to cancel the policy they obtained immediately and I have no obligation to pay them back. The property is fully covered with hazard insurance continuously without any interruption. My insurance agent, again faxed to lender the insurance coverage ( policy declaration page ) on XX/XX/XXXX. I also sent them insurance declaration page and confirmation of continous coverage that my insurance agent sent to me but there seemed to be questionable decision against accceptance of such insurance coverage on this propety. Please do something to curtail this kind of bad practices of lenders and their staff. It is business for them and bad for the victims of so many mortgage borrowers. Lenders ' staff are careless and negligent in keeping organization of borrowers ' communication to them as against mortgage loan borrowers. Thanks for your assistanced.
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 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: Student loan

Hello, I submitted a report on XXXX ( complaint ref # XXXX ) about XXXX student loan otherwise known as XXXX XXXX XXXX ( XXXX ) about reducing my student loans. Recently, I was awarded a short-term payment for XXXX for three months. When I agreed to the short-term agreement terms I was informed by an XXXX representative that I could apply for a long term agreement, which I did. Furthermore, I was awarded the long-term agreement on XXXX, but I was only awarded for XXXX of my loans and not the other XXXX due to my cosigner income. 

To be awarded for the long-term agreement, I submitted documents that show proof of income along with my co-signer and other documents to complete the application. As a result, XXXX granted long term agreements on XXXX of my loans because I did not have a cosigner on the loans. Based on that information, XXXX determined I did not make enough money for the current payment and awarded me the agreement. However, I was denied the long term agreement on my other XXXX loans due to my cosigner, because as the XXXX representative stated " both of our incomes were combined and was determined that we made to much money. '' From my research, social security is unearned income stated, in ( 42 U.S. Code 1382a - Income ; earned and unearned income defined ; exclusions from income XXXX ) and I believe that should n't be applied as a determining factor in my case. When I was granted the short-term agreement I did not have to provide my co-signer income nor his signature to be place on a short term agreement. The short-term agreement applied to all my loans without the use of my cosigner unearned income information nor signature for the approval. 

The information I submitted to XXXX for the Long-Term Agreement had my cosigner income information on the documents that I submitted, but it clearly states social security not source of income due to retirement. I even submitted my co-signer information from the Social Security Office, which states his monthly payments. 

Now, XXXX have decided to use my co-signer information against to increase my payment to XXXX a month, which is only a {$120.00} dollar difference from {$510.00} which I was paying before XXXX. 

I am paying my loans by myself, my cosigner is not paying on any of my loans. Also, I am not delinquent on any of my loans and it 's going to continue to stay that way. I am just asking for fairness and consistency from XXXX. 

Please, can you help me.
Product: Credit card or prepaid card

XX/XX/2021 I was in XXXX. 
I was in the club with my friend when the bartender said our cash is not enough and we have to pay about XXXXXXXX XXXX XXXX XXXX  ( around {$50.00} ) for drinks. 
I gave her my Chase credit card, then She say the transaction was declined. I said it was not possible and asked her to try again, she told me to sign the rejected transaction. 
( I thought the transaction was not completed because I am abroad USA ) Later She asked if I had another card with me. Then I gave her my XXXX XXXX card and My XXXX card. Then she said that the transaction finally passed. It was late at night, so in the morning I only checked my account balance. 
there were transactions on it XX/XX/2021 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021 XXXX I actually authorized a transaction for {$54.00}, but not the others because it will be around XXXXXXXX XXXX  ( {$50.00} ). ] Others transactions of a total of {$2900.00} were never authorized. 
I filed a fraud case with Bank Chase by phone. 
on XX/XX/2021, receive a letter from chase Bank with information, ,I give authorization to the user involved in this transaction ' ( Appendix No. 1 ).

My other two cards have also been charged a total amount of ( {$15000.00} Citi ) ( XXXX XXXX {$9900.00} ) {$25000.00} at the same time, which is impossible to spend and every normal person sees it as a scam. 
Two Banks, XXXX and XXXX XXXX settled my complaint in my favor and I was not charged with this scam. 
I will add that in XXXX the monthly salary is below {$1000.00} So I don't know who was handling this complaint... 
I declare that I will never pay this money and everyone can immediately see that is fraud.
Product: Debt collection

A XXXX  delivered me garnishment papers on XX/XX/21 from Capital One, for a credit card debt for an extremly high balance and my credit limit wasn't even half of the amount they are requesting. 

Not only am I currently unemployed due to XXXX ( and I just lost a family member due to XXXX ), but I have NEVER been contacted by mail, email, or telephone prior! I never received a bill, statement, or settlementt offer for this debt! I checked my credit reports, and this card shows as a charge off on my credit report over XXXX years ago, plus it is past the statue of limitations. Before I hire an XXXX, I would like to dispute this debt, stop the garnishment/lawsuit, and have it removed from my credit files with all credit bureaus!
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2100.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$19000.00} Late/Open
Product: Credit reporting or other personal consumer reports

I have found a credit inquiry on Equifax and that inquiry is not mine 's. XXXX XXXX XXXX  never extended me no line of credit. I never did any business with them. 

I do not know why they are on there.
Product: Debt collection

I had an account with XXXX and did a Change of Financial Responsibility and the company is attempting to collect a debt. 
They have sent me to a 3rd party debt collector after receipt of my request for verification and validation. 
A debt is a financial responsibility.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX, XXXX, XXXX, and XX/XX/2017 & XXXX & XX/XX/2017 - 30/60/90/120 days late ; I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Money transfer, virtual currency, or money service

I have an account on Coinbase ( cryptocurrency ). I have made prior purchases/transactions for bitcoin and ethereum with Coinbase. I have already sold one of my bitcoins however a 2nd bitcoin I purchased in XX/XX/XXXX is not available for my use/sale at this time. I had received an update this past year regarding concerns of identify/online thefts of cryptocurrency  and I moved my 2nd bitcoin into a vault that required 2 factor email verification. Unfortunately I left the job that the 2nd email was associated with later this past year and no longer have access to that email account. I have emailed Coinbase since XX/XX/XXXX multiple times including this past month on XX/XX/XXXXrequesting they move my remaining XXXX  bitcoin from my vault to my wallet. They assured me they have the capability to move my cryptocurrency  from my vault to my wallet and have emailed me multiples times stating my request has been escalated to their specialists/tech department however its now been almost 4+ months without resolution and my XXXX  bitcoin is still in my vault without access. I have requested multiple times by email that they move the remaining cryptocurrency to my wallet without response and they are no longer answering my follow-up emails ( last one dated XX/XX/XXXX ).
Product: Credit card or prepaid card

CitiBank does not train its support personnel. They exploit overseas labor and do not train them. As a result, I just spent 47 minutes on the phone, during which my call was transferred 4 times, just to find the 5th person also was ignorant of the fact that the Citi AAdvantage card is not eligible for use with XXXX XXXX.
Product: Checking or savings account

Using my Synovus Bank debit card at the end of XX/XX/2022, a transaction was allowed through my checking account without my acknowledgment/agreement. 
I reported the transaction to Synovus who gave me several different answers between their customer service and local branch.

Over the course of several months, I was not kept up with the findings of Synovus, nor was my matter handled properly.

I was NOT alerted my temporary credit was reversed and I was charged for the fraudulent use.

I made multiple attempts at disputing this transaction and Synovus basically told me, too bad.

The level of incompetence with multiple answers and months on end for a dispute that should have been ruled in my favor a long time ago is no excuse for me losing my money I am entrusting this bank with.

Ultimately, all I am seeking is the refund of the {$69.00} to be returned to me. But apparently no one there wants to grant that to me to keep me a satisfied customer. XXXX, I will be more than happy to close my account with them and spread the word about their abysmal customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this credit bureau over 60 days ago, I have not received a response yet. I feel like I am being taken advantage of as well as my disputes are being ignored. As plainly stated in SECTION 611 ( a ) a failure to investigate these items within 30 days gives a reason to IMMEDIATELY remove those items from my credit report. I has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this have caused me. my information was also impacted by the XXXX data breach and may have got in the the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I've been reviewing my credit report since XXXX of XXXX  and have sent many disputes in regard to the closed child support account that is affecting my credit report. The Account is closed and the child resides with me. This is a violation of 15 U.S. Code 1681e and 15 U.S. Code 1681i. They have continued to report this account as verified and correct. I have court documents that support that the account is closed and they still have ignored my request to remove the account.

Under 15 U.S. Code 1681e and 15 U.S. Code 1681i this is account is in violation, it list Child support as a furnisher and this forgery and misleading and affecting my life. The courts do not report these kinds of accounts. 

They also report differently between Transunion and XXXX, one says closed the other states still in good standing and open when calling child support the speak rude over the phone and told me its automatic account that reports every 30 days they cant stop it. When i speak with Transunion they tell me to call child direct when i call support they tell to contact Transunion. There has been so solution between both sources. Even with supported documents which i will upload. 

DIVISION OF CHILD SUPPORT ( XXXX )
Product: Credit reporting or other personal consumer reports

Experian was contacted in XXXX and XX/XX/XXXX of 2024 stateing the information was incorrect The violations were also reported to the CFPB. The companies responded and deleted the accounts. XXXX as well as XXXX also deleted yet Experian replied on XXXX XXXX that the accounts had been verified..
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX , GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$590.00} ; XXXX XXXX Balance : {$690.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian Dispute Information Center Dear Experian I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with 15 USC 1681i ( a ) ( 5 ) ( A ) : XXXX. XXXX - Account # XXXX Delete this account because you are inaccurately reporting : the date of the last activity, even This account was charged off on the following date [ XX/XX/XXXX ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the complete of your re-investigation. 

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

Upon Review my credit files, it showed a Collection from XXXX in the amount of {$210.00} reappear in my credit files which have already been settled in the past. This account was mistakenly reported by XXXX and I have reached out to settled with the creditor. I have no association with XXXX XXXX as I am a customer with XXXX.
Product: Checking or savings account

In XXXX my stimulus payment was deposited into my brinks mastercard account. they end up closing my account. i was told they returned the money back to the IRS in XXXX, XXXX i contacted the IRS filing paperwork and forms trying to recover my funds.Come to findout this year XXXX, XXXX XXXX XXXX still had my money. i contacted brinks they said 10 business day i would have it. 10 days came and went i called them they said IRS had a hold on the funds. I immediately called the IRS they said that was not factual. i called brinks back and told them about my conversation with the IRS and they said they would mail my funds to me. 10 days later no funds returned to me. i called brinks they said they sent my money to the IRS on XX/XX/XXXX direct deposit. i called the IRS they said they had not recieved my money. The IRS told me wait till XX/XX/XXXX. I called and foundout brinks still had the money. i have called brinks multiple times since and have gotten a different story every time. i have recorded conversations with supervisiors making unfactual statments and admitting to do nothing but lie to me on the phone. i am being now told they sent {$600.00} of my {$1400.00} stimulis payment to the IRS and the {$750.00} would be released. Everytime i call now they sayits being processed and sent. when i dont get it i call back and am being told the IRS is reviewing it again that they stopped the process. i cant take this anymore i dont know what to do. im fustrated i have been diagnosed with XXXX and XXXX and this situtation is really messing up my mental state of mind. please help with this situation.
Product: Credit reporting or other personal consumer reports

The account XXXX XXXX  account is not being reported by the 3 major credit bureaus accurately & in complete fashion. There are multiple inaccuracies such as ; the date that this account was originally opened, the last payment made is inaccurate, claiming that my payment was late, I have tried to resolve this issue with the credit bureaus but I haven't had any success. The Bureaus refuse to remove this alleged late charge and have been reporting my information inaccurately causing my credit score to drop and impacting my financial life negatively. I would like for the 3 credit bureaus to report this account as paid on time instead of paid late.
Product: Debt collection

I'm unaware of this debt, I didn't have an opportunity to dispute this information, If in fact youu believe you gave me proper notification, then please send me the certified receipt with my name on it, my signature
Product: Credit card or prepaid card

I have called 5/3 3 times over this issue, and spoken to 2 agents in their live chat and they still refuse to fix this. I closed my credit card which still has over {$7000.00} in debt on it about a month ago. The card ends in XXXX. When they closed it they make COMPLETELY inaccessible. Cant look at it at all on the app, and can only look at some things on the 53.com site. They make it so I literally cant see when theres knew interest charges, or late fees which Im horrified may happen because they make it IMPOSSIBLE to pay the monthly bill on. They tell me I can pay the bill by sending a check. I dont have any checks cause this isnt 1995 and so I wouldnt get the checks in the mail for the next month. They say I can pay at a branch. How archaic. ALL the branches are only open by appointment and I am across the country no where near a branch for a funeral and wont have acces to a branch for AT LEAST ANOTHER MONTH.

This is pathetic. WHY in gods name would you make it so I CAN NOT PAY YOU!

This is to 1 ) make you finally reopen the account apparently so I can give you money. You want money dont you? MAKE IT ACCESSIBLE 2 ) to prevent any late fees due to you inaccessibility and inept why of doing things Ive done credit cards with every major card in XXXX, XXXX, and XXXX XXXX. No one has ever stonewalled me from paying them like this
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in reference to XXXX, Experian and XXXX XXXX. I recently paid off nearly {$5000.00} in credit card debt. The card was never late and the account was paid in full. According to the credit simulator, my score should have increased 55 points, but it only increased 2 on one report and 1 pont on another. While each of the three CBI will argue that the simulator is for educational purposes and every case is different, the practice is misleading and deceptive. On information and belief, my credit scores are being artificially suppressed in an act of retaliation for my complaints. I am seeking the assistance of the State Attorney General.
Product: Money transfer, virtual currency, or money service

A girl online approached me and asked me to invest in XXXX XXXX so i did. 
I used XXXX and crypto.com and the funds transferred to a scam platform called XXXX. 
After a while i was able to withdraw some funds but i lost most of my money. I was not using a stop loss. 
Then she manipulated me into investing some more and i did but then i wanted to withdraw my funds but they accused me of money laundering. Scared me into thinking i had to pay a penalty of 9 %, XXXX XXXX dollars. 
The money was transferred from my wallet XXXX to XXXX utilizing crypto.com services.