23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been paying back a {$70000.00} loan from Beneficial for over 20 years, and have repaid it more than twice over. 
Now that the loan is almost paid off they keep adding new charges to my loan without my permission every month. Last month it was an insurance policy, over {$500.00}, this month they paid my taxes, which I had already paid, over {$600.00} in new charges, plus they raised the payment with monthly insurance and tax charges. 
I have always paid my own taxes, it seems illegal to suddenly start paying the tax, then adding it to the loan without permission, adding interest, late charges, insurance and whatever else they can think of, especially when it is almost paid off, and could be paid off this year if they did n't add enormous charges every month, and they know I 'm old on a fixed income. 
XXXX, an accounting clerk with the Department of Assessment & Taxation with XXXX County, OR responding on behalf of the Assessor. 
" After further review of both accounts, it does appear that there are, in fact, two duplicate payments from both you and your lender. '' ( my XXXX is divided into XXXX sections, XXXX ) I had applied for the Senior citizen ' tax deferral program, but they turned me down after the first year because I did n't have insurance. 
The XXXX I had before, filed for bankruptcy ( The fellow who ran the business said there were too many claims due to GLOBAL WARMING ) - and according to the insurance lady that took over the office - because I live in a XXXX there is no insurance available. 
Several women have told me that their insurance was cancelled out in this area because they live too close to the " XXXX ''? 
I know you do n't control the insurance industry, but I wonder how it is that no insurance company will insure my property for me, but they will issue a policy for my property for Beneficial 's interest only? 
And if it is insured now can I get the senior citizen 's deferral? 
Is that why they paid the tax? 
Do they actually pay somebody to figure out how they can squeeze the last dime out of old people who are almost debt free? 
Or am I just a conspiracy theorist? 
They do n't have contact info on their bills, no phone, no website and they do n't respond to letters. 
Anyway, thanks for your help.
Product: Mortgage

I contacted Wells Fargo back in XXXX asking to skip one payment due to Covid hardship related issue. Wells Fargo stated they no longer offer a program to skip a payment and advised options that would not benefit me only benefit themselves such as higher interest rate refinance, etc. After filing an initial complaint with the Consumer Financial Protection Bureau, the Executive offices at Wells Fargo contacted me offering me options. They referred me to the XXXX XXXX XXXX XXXXXXXX and I applied. I was in constant contact with Wells Fargo keeping them updated on the program and was approved for Mortgage assistance. The fund paid WellsFargo on XX/XX/2023 funds to bring my mortgage up to date. I was clearly told by Wells Fargo while involved with this program NO negative credit reporting would take place. I found out on XX/XX/2023 Wells Fargo reported me 2 times to the credit Bureau ruing my credit. Wells Fargo mislead me as a consumer and caused harm to me by their actions. I want Wells Fargo to revoke all negative credit reporting done since I was working with the XXXX XXXX XXXX XXXX  and was approved. Wells Fargo needs to be reprimanded for their actions.
Product: Vehicle loan or lease

I am writing to file a complaint regarding Nissan Finance 's handling of traffic citations associated with my leased vehicle. On XX/XX/2024, I was charged by Nissan Finance for two traffic citations. Nissan Finance paid these citations on my behalf and then added the full amount to my bill.

I was not informed of these citations beforehand and received no notification or letters. Nissan Finance reported to the court that they owned the vehicle, which prevented any correspondence from being directed to me, the lessee. As a result, I was unable to contest or defer payments for these citations. 

Had I been informed of the citations, I could have contested them and potentially avoided paying the full amount. Nissan Finance 's actions have left me without any recourse, as they paid the citations directly and charged me the full amount without giving me the opportunity to handle the matter myself. This feels akin to extortion.

When I contacted Nissan Finance 's customer service, I spoke with a manager ( ID : XXXX ) who confirmed this practice. I have also submitted a complaint with reference number XXXX and intend to pursue this matter in small claims court. 

I seek assistance in resolving this issue, as Nissan Finance 's actions are unfair and have caused undue financial burden. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
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 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 XXXXXX/XX/XXXX. 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.
Product: Credit card or prepaid card

This company keeps putting unnecessarily holds on my money that has been paid to me. I have two cards on file with them, and one is a prepaid Pay Pal card that they issued me. They have held my money up since Friday. It no reason for this except being an unprofessional and lazy company. I need my money.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX : # XXXX AMOUNT {$450.00}., XXXX XXXX # XXXX AMOUNT {$1500.00}, XXXX XXXX XXXX XXXX # XXXX AMOUNT {$0.00}, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Credit reporting or other personal consumer reports

I tried calling experian and got no help in updating my name because there are several different variations of my name reporting on my credit report that's not correct
Product: Credit card or prepaid card

NAVY FEDERAL EMPLOYERS TOLD ME THAT ( MY SECURE CREDIT-CARD ACCOUNT ENDING IN XXXX ) WAS CLOSED IN XXXX XXXX FROM MY BANK STATEMENT IN THE AMOUNT TOTAL {$1100.00}. 

BUT STILL HAS IT AS A OPEN ACCOUNT ONLINE WITH THE BANK AND CHARGING ME INTEREST 18.00 % FOR SECURE CREIDT CARD. HAS BEEN RECEIVING PAYMENTS OF AMOUNT {$20.00} DOLLARS EVER SEEN IN STILL MAKING PAYMENTS TO BALANCE OWED. TRY TO RESOLVE THE ISSUES WITH A MEMBER OF NAVY FEDERAL MANAGER. WHO HANG -ON DOING PHONE CALLING CONVERSATION TO FIX THE PROBLEM. NAVY FEDERAL HAS IT REPORTING AS XXXX OF BALANCE AMOUNT {$100.00} ON MY CREDIT REPORT. 

AS A REMINDER THAT I PAID CASH IN AMOUNT {$1000.00}. TO OPEN A LINE OF CREDIT IN NEVER WAS PAID BACK THE AMOUNT $ 1000.THAT OWED TO ME.

TOLD BY MANAGER OF NAVY FEDERAL THAT ACCOUNT XXXX WAS EXPIRING DUE DATE. THE CREDIT GRANTOR CLOSED MY ACCOUNT AND DID'NT WANT TO RENEW MY CREIDT CARD EXPIRING DATE AND DIDN'T ASK ME OR MAIL ME ANYTHING WHY.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. This account must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I will take legal action against them if they do not validate this account. Please follow the law to resolve this matter as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes on XXXX XXXX XXXX with Experian, XXXX, and XXXX. They refused to investigate, did not complete a proper or timely investigation, did not provide me with results, or verification. I want these accounts immediately removed or I will seek legal action against all 3 credit bureaus.
Product: Credit reporting or other personal consumer reports

Tuesday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX I received a copy of my credit report and am writing to dispute the following information that appears on my credit report. Please verify or remove immediately the following accounts : XXXX Bank XXXX  XXXX I dont recognize this lender and account. Please remove this inaccurate information from my credit report. The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX XXXX  XXXX XXXX on XX/XX/XXXX I previously disputed this inquiry stating : " I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. '' I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the inquiry for this account, or delete the negative information in this account. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and TransUnion credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX and TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$7800.00} and XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Bank  ( same as Total Bank , Inc )  refuses to report my account  XXXX   XXXX   XXXX   XXXX  as settled in full wh ich it was via    XXXX   XXXX   XXXX   XXXX    (   XXXX   XXXX   XXXX  ). I filed dispute with you for  XXXX  and   XXXX   last year.  XXXX  fixed it, but  XXXX  dispute ( #  XXXX  ) produced NO results  (   XXXX    XXXX   ). Since then I have to dispute this with  XXXX  every month as they take this in and out of my report.  Pls review  my previous dispute (  XXXX  ) - THEY ARE THE SCAM! Pls verify with  XXXX   XXXX .    XXXX   XXXX  says that I have another account with them #  XXXX   XXXX   XXXX   XXXX . I do not remember opening that account and I asked them for the proof of ownership. They refused to provide it again, just like with the account above. I asked for dispute of ownership, sent them their papers but they never got back to me. It is also by  Total Card Services,   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , SD,  XXXX  (  XXXX   XXXX   XXXX   ).      PLEASE HELP ME GET RID IF THIS SCAM ARTISTS. I paid off over  XXXX  in credit card debt and it is all clean except these  XXXX  stupid accounts that I am not liable for.   Thank you  XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, There are inconsistencies on my credit report from debt collector XXXX XXXX int The follow Transunion is showing account as open while XXXX  & XXXX  are showing account closed. This does not meet Fcra requirements as stated in transunion remarks & they are inaccurate.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX ; I initiated a PayPal Pay in 4 loan. I selected a direct ACH transfer from my bank. That option typically takes 1-3 days to process. On XX/XX/XXXX the money was successfully transferred to PayPal and I receive a confirmation. On XX/XX/XXXX I paid my 2nd loan payment. The next Payment Date is now XX/XX/XXXX. On XX/XX/XXXX ; they charged me a late fee of XXXX. On XX/XX/XXXX ; I was paid XXXX by an outside party through PayPal. PayPal removed that money from my balance without informing me and without leaving a paper trail. After that XXXX dollars were removed ; I was left with a XXXX cent negative balance. Upon writing this complaint ; I notice that PayPal has charged another XXXX as a late fee. 


( As a note : I asked for my ACH Transfer to be switched over to my card on the XXXX )
Product: Checking or savings account

I began the process of requesting the return of mistaken XXXX contributions on XX/XX/XXXX. The reason for my request was that I was not aware that being enrolled in XXXX XXXX XXXX  for part of XXXX & XXXX made me ineligible to contribute to my XXXX. My original fax, as well as my follow up fax dated XX/XX/XXXX, included XXXX Distribution of Excess Contribution/ Correct Mistaken Contribution forms as provided by PNC Bank XXXX the Custodian, for years XXXX XXXX {$4500.00} XXXX & XXXX XXXX {$1800.00} ). The amounts requested, the reason ( as indicated by federal law ) and the appropriate disbursement information are clearly listed on each form. 

The chronology of my request is as follows : On XX/XX/XXXX, the date of my original faxed request, I was unaware that funds had to be moved from my investment XXXX account to my base XXXX account to have sufficient funds to transfer. No one advised me of such. 
On XX/XX/XXXX, the date of my resubmitted fax request, I was unaware that having previously opted into the automatic investment option, the funds manually transferred from my XXXX investment account to my base XXXX ( with the intent to resolve the previous issue ) would automatically be moved back into my XXXX investment account, recreating the original problem. No one advised me of such. 
After several phone calls and emails, I learned of the problem and made sure the funds were transferred & auto-reinvest was turned off. 
On XX/XX/XXXX I contacted PNC to inquire. No progress was evident & the associate provided an expedite # XXXX. 
On XX/XX/XXXX, I was able to verify via the PNC website that the funds were successfully & permanently transferred to my base XXXX account in order to provide sufficient funds for the requested return. 
On XX/XX/XXXX I contacted PNC to inquire. No progress was evident & the associate provided another expedite # XXXX. I requested to have a manager contact me and provided my cell phone as the associate stated he did not have access to my original application information. 
On XX/XX/XXXX I contacted PNC to inquire. No progress was evident & the associate stated that no forms were on file to request this return of funds. I explained that I have two fax verifications of the submitted forms, one for XX/XX/XXXX & one for XX/XX/XXXX. I also offered to fax again or email. He declined. I requested to have a manager contact me and provided my cell phone. No manager has contacted me after two specific requests.
Product: Credit card or prepaid card

I closed my Saks Fifth Avenue store credit card around XX/XX/XXXX. I had a credit of {$350.00} and asked them to refund me that balance. 

Due to their many errors, I did not receive a check from them until about XX/XX/XXXX. I had to call at least 5-6 times to get the check and repeatedly tell them the correct address.

About 6 weeks after I cashed the check, they began contacting me to collect {$350.00} in charges. Every time I called, I had to argue yet again that closed my account in XXXX and do not owe them any money. Each time they tell me I am correct. 

Then it starts over again a month later and I have to argue with them again. In XXXX I finally got them to write a letter stating that I do not owe them anything. Now we are in XXXX and it has begun again. Again they say it's their computer system. 

I want my name erased from their systems and to never hear from them again!
Product: Credit reporting or other personal consumer reports

Collections can not be reported as late or open. 
This is a major FCRA violation. According to code 15 USC 1692g. Please have collections removed immediately.
Product: Credit reporting

I fought this medical debt over a emergency XXXX w/my insurance for 2 years, it is now paid in full by me, but there are several things wrong in the details. 1. This account was NEVER verified EVER with me, I asked for it via dispute XXXX times & received canned response that it was.they claim calling and inquiring about it counts as verification.2.delinquent date is listed as XXXX, WHEN I was still in the hosp I was already delinquent? 3. terms are listed as 1 month? there was no terms.4.It lists a high balance for credit limit, being a medical bill there was no credit limit.XXXX.all kinds of extra comments listed,XXXX of the credit agencies even list it as a charge off/repossession, a much worse listing than medical debt.5.All XXXX credit agencies have different dates of first reporting.6. was threatened by XXXX XXXX XXXX after paying the debt that if i contested it further there would be trouble for me, and in fact updated the info on full payment so it now looks like a fresh debt, causing max damage to my scores. 

I would like to know how you can be treated for an unexpected medical bill the same as someone who say runs up a credit card, or defaults on a car note. My other XXXX bills/trade-lines are paid, always are. But because I was sick and needed help that XXXX time I should be punished after the fact, and for XXXX more years as well? ( Until 2019 ) In FACT it will cause it to update & cause my score to drop further. Why should a minor medical bill make me unable to have a home loan? How this is fair is not the question, it should be how this is legal is what I want to know. Where is the incentive to get people to pay their bills if they will still be punished regardless of it?
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion recently to dispute unauthorized inquiries on my credit file. The following inquiries were for mortgage solicitation according to Transunion but they couldn't produce proof of my permission for the following creditors to access my credit file. I also stated that these inquiries were excessive from the same company in a short period of time! Also the remaining mortgage companies would not be contacted if the credo report was used since it includes all three reporting Bureaus. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX The following inquiries is unauthorized and not tied to an open accounts are closed accounts on my credit file. 

XXXX XXXXXXXX. XX/XX/XXXX The following accounts dates of inquiry are incorrect and has been changed. The XXXX XXXX was tied to an account when I moved into my current apartment in XX/XX/XXXX. 

XXXX XXXX XX/XX/XXXX These are included with the class act lawsuit currently with Transunion!
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent disputes last XXXX regarding those unknown and inaccurate accounts Ive found on my credit report. It's almost 30 days now but I haven't received any response yet. I demand to DELETE ASAP those accounts or I will file litigation.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX ( XXXX ) wrongly denied my application because it claimed that I had previously received mortgage reinstatement from XXXX. My mortgage statements did not show that Shellpoint had received any money from XXXX. My attorney sent a XXXX for XXXX and Notice XXXX XXXX under RESPA to Shellpoint on XX/XX/year> requesting information about my account and for Shellpoint to either correct a misapplication of funds from XXXX or miscommunication with XXXX. The letter also requested account information that I need in my appeal to XXXX for mortgage reinstatement assistance. Shellpoint did not respond to the XX/XX/year> letter. My attorney then sent another RESPA letter to Shellpoint on XX/XX/year> requesting the same information and correction of errors. Shellpoint has not responded to the XX/XX/year> letter, even though it has been well over the XXXX business days that they have to respond.