23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

CFPB Complaint XX/XX/XXXX Re : XXXX XXXX/XXXX/LoanCare After years of research and discovery and many complaints, we had learned that XXXX XXXX took full advantage of holding in escrow monies that were awarded to us after our XXXX  XXXX Company of Texas had issued a settlement check to both the loan holders and XXXX  in the amount of XXXX. 
XXXX held these funds in escrow for XXXX years or 44 months in XXXX amounts-with distributions of XXXX and XXXX. 

It has to be noted that this check had no relationship to the damages our home sustained in the devastating XXXX hail storm-these were personal settlement funds that were also unrelated to any mediated damages years after the storm. 

We also have proof from a complaint with XXXX  XXXX  that the bank had informed them that these funds were related and were claim-related funds that had been added, bringing the initial inspectors ' report of XXXX to XXXX. Since our repairs exceeded XXXX XXXX  XXXX  had placed our project into a new category that required greater scrutiny and inspection, also a 100 % completion rate was needed, in the end, our project reached only 94 % ( after the roof and interiors work ). 
XXXX also contacted the final inspection company to ask them unbeknownst to us that a second claim for flood damage is added to our inspection-still while holding XXXX in escrow. 

By doing so we have been told that this represents both insurance and mortgage fraud. We also reported this fraud to the FBI since it involves funds over XXXX. 
Since these actions of the bank had gone beyond their fiduciary duties and violated our loan agreement we sent a letter on XX/XX/XXXX to enter into arbitration to deal with our complaint that the bank had only their best interest involved and had devised several methods in which they held personal funds for the bank best interests and profit. The bank had no legal grounds to hold these funds in a low-interest of 2 % account in the first place period. 

The bank responded to our complaint on XX/XX/XXXX. XXXX claiming that they had done nothing illegal and that my account loss/draft was handled properly and our previous complaints in asking for 10 % interest were denied multiple times. They did not respond to our request to enter into arbitration. The bank continues to ignore accusations that they had indicated to XXXX  XXXX  inflated repair costs and misdirected these issued funds for years. 

Today we received a letter from XXXX XXXX  dated XX/XX/XXXX that the mortgage had been transferred to them from LoanCare. 

So our complaint is that in order to deal with our more incendiary earlier complaints of fraud the bank decided to get rid of us bypassing our loan clause to a new servicing lending bank. 

In turn, this will not allow us to have our complaints to be heard in any arbitration proceedings. We are still open to any kind of settlement discussions with XXXX but if not we will still submit our complaints to the authorities who handle these issues. 
What the bank did to us was wrong, very wrong but now to 'Sell us Down the River ' is inexcusable and disgusting.
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 Number : XXXX XXXX Account Name : XXXX and 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: Debt collection

Filed a previous complaint XX/XX/2020 for XXXX sending a postdated threat of legal action/lawsuit if I did not pay by the postdated date stating in the threatening letter sent to me. I did go on to make payment arrangements with them on the premise that I was told in a recorded conversation that if I had difficulty making this monthly payment that they would work with me. 
When in fact I did need them to work with me because I was trying to get back into the workforce to be able to meet the payments, I was yelled at by a XXXX debt recovery representative, and also threatened. 
I have now learned they have a lawsuit pending against myself tbrough Zwicker & Associates. I was not served for the pending lawsuit, or informed or sent a summons to this date of today. 
XXXX gave me a phone number to call Zwicker & Associates that is not a working number, and just answers and hangs up, leaving no way to reach Zwicker & Assoc. to try to resolve the matter.
Product: Student loan

Student Loan Finance has been reporting my file to the credit bureaus illegally with 120 day lates month after month. I have tried disputes with the credit bureaus 4 times and nothing has been done. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is falsely reporting to credit reporting agencies regarding my account. Services were provided on X/XX/2016, account has been and is still being paid as agreed. 

XXXX XXXX - XXXX XXXX XXXX XXXX, # XXXX, XXXX, Ga XXXX XXXX Account # XXXX
Product: Credit card or prepaid card

XX/XX/2020 purchased tires at NTB and opened an account which was from Citi. 
I never received a card or statement from Citi, so I called on XX/XX/2020 and spoke with collections knowing that I probably needed to make a payment. I told the Citi collections reps about the fact that I never got a card or statement. They said it had the store location as my address which was wrong. i gave them the correct address and said I needed to get the card that was sent to the store cancelled because I have no idea who or where it is. Citi collections ( twice ) told me I have to call customer service to have this done. I have called three times and been on hold 40 minutes, 28 minutes and 28 minutes. I have also complained on their XXXX page and sent them a PM. It seems a lot of people are experiencing this with Citi bank.

1. I need to get the missing card cancelled asap.

2. I need to get a new card and billing statement to check my balances etc. and be able to set up an online account.

3. Citi is not helping or communicating with customers. Only the collections dept. answers the phone. 

What can I do???? 

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

Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. Also, My information might have been impacted by the XXXX data breach and may have got into the hands of the wrong person. 


1 ) XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX 2 ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX 3 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX 4 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 5 ) XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, DE XXXX ( XXXX XXXX XXXX 6 ) XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent letters due to inconsistencies and inaccurate information reporting on my account. I specifically requested for any accounts that were not reporting 100 % accurate to be deleted. I sent a description of each account and the item that was reporting incorrectly. To my surprise, when I reviewed my credit report again, the incorrect items were continued to reflect on my credit report nor has anything on my credit report been updated to reflect the correction. I sent letters again on XX/XX/XXXX informing you that these items should be re-investigated, updated or deleted because no changes were made to my profile. Since then, I continued to send letters to the bureau as well as the creditors requesting validation and proof that this information was reporting correctly, but nothing has been resolved or updated to date. This has been an ongoing issue. I pulled my report again and it is now XX/XX/XXXX and these errors are STILL showing on my credit report. This is a violation of my rights as a consumer and my concerns are not being addressed. The creditors do not have authorization to access the account nor authorization to attempt to collect on the account and the inaccurately reporting accounts continue to negatively affect me. Please remove the following accounts from my credit profile. XXXX XXXX Account Number : XXXX, XXXX  Account Number : XXXX, XXXX XXXX XXXX  XXXX Account Number : XXXX. According to the FCRA, The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). The information provided is NOT correct which goes against the FCRA and must be deleted for inaccurate reporting
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 XXXXXXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022
Product: Debt collection

I have sent multiple letters and proof to Nordstrom Card Services that the transactions on my Nordstrom Debit Card were not mine. 

Disputed transactions : XXXX {$100.00} XXXX {$510.00} XX/XX/22 - {$360.00} XXXX {$44.00} I have written Nordstrom Card Services a formal letter on XX/XX/22 disputing the above transactions but they have ignored my dispute only calling me more and without explanation or proof from their investigators as to why they believe it was me and have referred it to XXXX XXXX to collect the debt whom I have also written a letter to on XX/XX/22. They have continued to call and request this money although I have clear evidence that it was not I or anyone I know who made these transactions. I am extremely frustrated with Nordstrom and how poorly and unprofessionally they have handled this case and how they have treated me. 

Attached are my formal letters, correspondence I've received and my card purchases and payments I've knowingly made.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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: Credit reporting or other personal consumer reports

I am filing this complaint regarding multiple fraudulent accounts on my credit report that are not mine, including accounts from XXXX ( Account # XXXX and related accounts ), XXXX ( Account # XXXX and # XXXX ), and XXXX XXXX  XXXX ( Account # XXXX ). These accounts show discrepancies in open dates and reporting details across credit bureaus, such as inconsistent dates ( e.g., XXXX  : XX/XX/2013 XXXX vs. XX/XX/2013 Experian and XXXX ), erroneous late payment histories, and false collection or charge-off statuses. These accounts were reported without prior written notification, in violation of 15 U.S. Code 1692g ( a ), which requires debt collectors to notify consumers within XXXX days of reporting. The credit bureaus failed to ensure maximum accuracy in reporting, violating 15 U.S. Code 1681e ( b ). Despite my dispute, no validation of the debts was provided as mandated by 15 U.S. Code 1692g ( b ). Additionally, the fraudulent information has not been removed, which violates my rights under 15 U.S. Code 1681c-2 to block fraudulent accounts from my report. These actions also contravene 15 U.S. Code 1681s-2 ( b ), which requires data furnishers to verify and correct inaccurate information. I request an immediate investigation and the removal of all fraudulent accounts from my credit report, along with confirmation that they will not be re-reported. Failure to address this matter promptly has caused undue harm and damage to my creditworthiness. 
these are the accounts and some of them are duplicates : XXXX  : Account # XXXX XXXX : Account # XXXX XXXX  : Account # XXXX XXXX  : Account # XXXX XXXX  : Account # XXXX XXXX  : Account # XXXX XXXX  : Account # XXXX XXXX : Account # XXXX XXXX : Account # XXXX XXXX XXXX  XXXX : Account # XXXX
Product: Credit card

My XXXX was hacked 3-4 weeks ago ( approx XXXX XX/XX/year> ). This led to a fraudulent purchase which my bank ( XXXX XXXX. XXXX XXXX ) is currently disputing. Ive contacted XXXX several times via phone calls and through emailing their customer pleading with them to cancel my account- they still havent closed my account e en though they said they did. Now, I was informed by XXXX XXXX credit that someone requested a credit card under my name via XXXX ( on XX/XX/XXXX ). Today is XXXX XXXX. I dont know where else to go to stop this - can you help?
Product: Debt collection

Genesis Credit Managemt was chosen to collect a balance from a place I rented from back during Covid called XXXX XXXX  XXXX in XXXX WA. I lost my job during that time and couple pay rent so there was a balance that they wanted me to settle on for XXXX. At the time I could not get a personal loan out to pay it off. Two years later they reach out asking for XXXX. They alerted both XXXX XXXX and XXXX to try and alert me when they could have just called and resolved it. They some. Have only called me numerous times and then hang up or they say they will ask if we can find a solution or settle and there is no follow through. They text me from different numbers. When I talked to them last they got a manager on the phone that was extremely rude to me and was not helpful at all. They have a XXXX star rating as is and I can see why based on there lack of professionalism and customer service. They should not be in business as they are shady and dishonest.
Product: Student loan

XXXX XX/XX/XXXXXXXX  I submitted a payment for {$1500.00} to Nelnet for my XXXX payment of {$9100.00} -On XX/XX/XXXX, {$1500.00} was taken out of my bank account and routed to " XXXX XXXX DEPT  EDUCATION XXXX ''. 

-On XX/XX/XXXX I received an email from Nelnet that explained " your payment will not show as a regular payment in your Nelnet.com account. Because you made the payment within 120 days of the disbursement date ( when the loan money was sent to your school ), we will backdate your payment and apply it to your account effective on the date your loan was disbursed. '' -I immediately logged onto Nelnet.com to see this reflected correctly. 
-Later on XX/XX/XXXX, I logged onto Nelnet.com to instead see the {$1500.00} balance added back to my loan. This was with no notification or mention of any kind. My account has been accruing interest on the incorrect balance since. 

-On XX/XX/XXXX I called Nelnet , spoke to an associate ( no name given ) who stated Nelnet never received my payment and the bank didnt give them the money. 
-Upon request, I then spoke to a supervisor named XXXX ( no last name provided upon request ). XXXX stated there have been errors with larger payments not being applied correctly. He assured me this will be corrected within 4-6 days. He stated perhaps closer to 6 days due to recent call influx. He also stated the interest being accumulated daily would be retroactively corrected. He was unable to provide me with any written information or otherwise as of what had happened to my {$1500.00}. 

-As of today, XX/XX/XXXX, Nelnet has not given me any indication as of what has happened to my money. I have been unable to follow-up again directly due to long hold times. This includes being on hold for 2+ hrs until closing on multiple days. 

I have screenshots, bank statements, and can provide additional information upon request.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX
Product: Mortgage

On XX/XX/XXXX we received a letter from Freedom Mortgage Corporation cancelling our ACH payment. Today, XX/XX/XXXX we received an email notifying us they cancelled it because they have transferred the loan to XXXX. That payments are to be made effective XX/XX/XXXX. 

We have not yet received a Servicing Transfer notice in compliance with regulation z.
Product: Debt collection

Debt is from XXXX from a hospital I have never been treated at ( XXXX XXXX XXXX ). I only found out about the debt on XX/XX/XXXX when I checked my credit report and this debt was listed. 

I wrote the collection agency a letter on XX/XX/XXXX demanding debt validation as I had no idea what this was for. They didn't respond, other than to send a bill directly to my address ( I had never received a bill prior ). I sent another letter on XX/XX/XXXX disputing the debt and demanding validation again. They responded on XX/XX/XXXX with a copy of a bill for a XXXX XXXX, who was XXXX ( bd XX/XX/XXXX ) at the time of treatment on XX/XX/XXXX and apparently gave my name as a guarantor. They stated it was the itemized bill I requested. However, I requested a financial document that I personally signed accepting financial responsibility for any debt, and they are not able to produce one, nor did they respond within the 30 day time period that they are required to respond in.
Product: Credit card

I just found a charge on my credit card for {$60.00}. They say it is an annual fee that I have been paying since I opened the account- this is a scam. I had no idea and would never pay for a credit card.
Product: Mortgage

OnXX/XX/2018. I applied for a loan modification so that my monthly mortgage payments is to be lowered to under {$500.00}. I have been asking for this ever since I became a separated divorced low income senior citizen and had my hourly wages reduced.
Product: Student loan

I am not able to make my payments. My interest rates keep going up, which causes my payments to keep going up, even though I have contacted AES ( American Education Services ) multiple times over the years that I can not afford the payments. I have literally been told that I have to just make the payments " or else. '' Even if I paid 100 % of my paychecks I would not be able to catch up on past due payments as there would be less than {$100.00} left at the end of the month after making the base payments. Their website, depending on if I log onto their mobile version or the desktop version, will show me two different total amounts due for the month. One will show the past due amount, which is the mobile, and one just shows the two monthly payments combined and nothing else. I have emailed them at least twice about this issue, and have not gotten a reply to the second email, but on the first time trying to report the issue they stated that I should just know how much to pay even if the website is n't showing me a correct amount. I have been told, repeatedly, I do n't qualify for any assistance in payments. They used to have a 3rd party called XXXX XXXX try to help for people who are behind, but they are no longer communicating with them so I can no longer get assistance that way. My cosigner, who is my dad, can not help me make payments. His job is at risk because I can not afford my payments. When I contacted AES on XX/XX/XXXX, the associate stated my interest rates were ridiculous, and because XXXX, the company that owns XXXX XXXX XXXX, has been found guilty of fraud in a Federal court, she told me to try to go through the fraud process with my loans as I have not been able to use my degree for anything other than clutter. Realistically, I do n't think my loans will be forgiven, even though the company was found guilty of fraud, especially since AES, going by XXXX rules, is n't able to help me even have lower payments to where I can afford to pay for an apartment/gas/food.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report.

1.Please provide a breakdown of fees including any collection costs and charges, 2. a copy of my signature with the provider of service to release my informationto you and 3 3.Cease any credit bureau reporting until the debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that the falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency. 

I have attached a Police Report, FTC Report, and Affidavit.