23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We are homeowners who have lived in our home for decades and have NEVER been late on a payment. Our mortgage servicing was sold by XXXX to Nationstar ( who market as " Mr. Cooper '' in a phony attempt to be " human '' ) several years ago. Our mortgage is due on the XXXX of the month but with the grace period it is actually payable up until the 15th. Needless to say I ALWAYS pay close to the 15th -- who wouldn't? -- and this should be very obvious to Nationstar. However, for at least the last several months, every month on or around the 7th of the month I get an automated call from Nationstar telling me to call another of their 800 # s. When I call I get voice response messages with selection options that more than imply there is some presumption that we are about to go delinquent on our mortgage. 

We are living under enough stress already under the stay-at-home order and other disruptions to our lives caused by COVID. At this point I feel that Nationstar is harassing me, or somehow has singled me out for differential treatment not based on any facts related to our stellar payment record on our mortgage. However, it is impossible to get a human being on the phone to ask them to go away. Are they assuming because I am a woman I will be late? Because I am over XXXX? It is hard to say. 

Please can you make them go away and stop robo-calling me for no reason. If there is a real matter they want to discuss they can send me a real email from a real human being. However, there is none I can identify as we are prompt payers, have no other relationships with Mr. Cooper, nor after this treatment would we ever. Mr. Cooper is a joke. Their treatment of me is harassment. 

As a former banking executive I know that this complaint will have to be handled directly by Nationstar. SInce they have treated me so poorly and make it impossible to get in touch with them directly with ease I was left with no choice but to route this issue to you. Perhaps now they will listen and stop these practices. 

Thank you.
Product: Money transfer, virtual currency, or money service

I have been using the Circle 's cryptocurrency exchange Poloniex since 2016. 
On XX/XX/XXXX of this year, when logging into my account, I noticed a message saying my account was frozen and I am unable to trade or withdraw any of the assets I have on this account since then. 
I immediately contacted their support team to inform them. 2 months later and after sending them many emails, the reply from support was that my account was under review and that I should just wait. 
The problem is that they are not making any progress after sending them many more messages and asking for more details, they just keep telling me the same thing, that my account is still under review ( now 4 months after informing them ). 

The account holds assets currently worth over XXXX XXXX XXXX dollars. 
Not being able to trade or withdraw these assets is obviously a big problem. 

The fact that they could just freeze my account without even bothering to notify me and give me some kind of explanation was shocking to me and I don't understand why it seems like they are not working on clearing this issue. They say they are working on it but I can't imagine that reviewing an account would take so long.
Product: Credit card or prepaid card

On XX/XX/XXXX I called Bank of America because I saw a refund on a payment for {$1200.00} I had made on my XXXX Visa Credit card. During the call they asked me if I had called and if I had an account with XXXX which I do not. We immediately filed a Fraud claim on the acct. From what the agent had said on the call the person who called had enough of my information to get through the security screening. We immediately got a new card issued and placed a passcode on my account. However every time I tried calling Bank of America directly I could not get through and had to use my phone app to get through to the Bank. 
On XX/XX/XXXX I got a letter from Bank of America stating that the refund to my account had been approved. Its been an ordeal and every time I call Im assured it was resolved and nothing has been. Bank of America keeps giving me then run around between the fraud department and the Customer Service dept. Last call on XX/XX/XXXX I was on a three way call between the Fraud agent and the customer service agent along with supervisors. They asked the same questions from when I filed the original claim and assured me that it would be resolved. Today XX/XX/XXXX I called since the refund that I was told would be in my account was not in there. Its been a hassle to get my money back as I had to pay the balance on my card from when all this happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I received a notification from XXXX XXXX  that I had some hard inquiries on my XXXX and XXXX credit reports. I check both reports and discovered that I had 3 on XXXX ( 2 on XX/XX/XXXX and 1 on XX/XX/XXXX ) and 1 on XXXX dated for the XXXX of XXXX. I had not applied or requested any inquiries on my credit. I contacted the finanical institutions that I found numbers for and notified them. I was directed to file a claim with the FTC.
Product: Student loan

I need to know why my principal balance on the XXXX XXXX  went up by XXXX XXXX  at the end of XXXX, while interest accumulated simultaneously. Interest can only accrue and then get capitalized into principal, this can not happen simultaneously. There were no notices of adjusting journal entries. Nelnet arbitrarily adjusted my principal. Explain how I went from XXXX in my XXXX XXXX  to a XXXX principal balance while still accruing the same amount of interest over the course of the month. Simply stating how the XXXX repayment plans work is doing the absolute bare minimum and this company, and it's employees, should be ashamed of themselves and the predatory things they do to make it hard on honest people in repayment. Telling me my statements only go back to XXXX  is also not acceptable. These loans were taken out long before that and if they have no basis on how it was accounted for prior to, they have no support that it is still in a good state of honest calculations on their part. Like I said, I will audit my entire loan history but this company is stonewalling me and does not want that. They are dishonest and if they can not provide for a full accounting then they have failed their due diligence.
Product: Debt collection

I repeatedly reached out to XXXX XXXX XXXX XXXX for the removal of a small medical debt. I provided payment and given multiple letters showing it removed and being deleted from credit report. 2 months later it is still reporting as a collection account unpaid. I have the cashiers check from my bank saying it was processed. I am very disturbed that XXXX XXXX XXXX XXXX would not at least show the debt as paid or remove it from credit bureau XXXX as promised in WRITING.
Product: Money transfer, virtual currency, or money service

While using Zelle I had many discrepancies with my account.
Product: Credit reporting or other personal consumer reports

My information was compromised in a data breach and I now have inaccurate information being reported on my credit report.
Product: Mortgage

I purchased my home in XX/XX/XXXXXXXX  and my loan company continues to send me new XXXX Statement containing false tax information resulting in an increase of my monthly mortgage payment from {$1000.00} to {$1900.00}, which I can not afford. In addition, the mortgage company failed to pay taxes for the 2nd half of XXXX which resulted in delinquency charges and interest payments totaling over {$400.00}. 

I have reached out to the lending company on multiple occasions via email and phone without any resolution. I reached out to them via email on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and via phone call on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I have provided the lending company with tax bills from XXXX, XXXX and XXXX which are also readily available through the XXXX of XXXX. I finally received a letter today that the mortgage company has made a slight adjustment and lowered the monthly mortgage payment by {$200.00} however they are still basing this amount on false tax information. 

My XXXX city taxes are {$3400.00} and the mortgage company is claiming that the taxes are {$5300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to report that a fraudulent account is in my credit report, in the pass I had been victim of data breaches in the web, please help me so resolve this issue, I'm sending my ID and SS card as well as FTC report and a Police report to validate my claim.
Product: Debt collection

Please provide me with the written contract between me and Rowland Avenue Management , Inc. A/KA Columbia Debt Recovery , LLC d/b/a Genesis for this debt. If not you must delete of your in violation of the federal and the state Fair Debt Collection Practices Acts.
Product: Credit reporting, credit repair services, or other personal consumer reports

As you can see i have complained about this company 8 times this will be the ninth. Let 's go back to complaints 1 through 7. As you can see they had verified proof that I lived at XXXX XXXX XXXX XXXX XXXX. Guess what the street the address does n't even exist. It was till I did my own research on XXXX XXXX  that I found the street or the address did not exist. Again now after complaints 7 and 8 they are saying I lived at XXXX XXXX XXXX XXXX as verified proof again this is completely FALSE and misleading information!!! Again let me STRESS I want to be crystal clear. lexis nexis stated on 5 different occasions I lived at an address that does n't even exist!!!! Now they are claiming again as verified proof I lived at XXXX XXXX XXXX XXXX. Let me tell you for the 9th time this is FALSE AND MISLEADING information. Again I want to point ot 5 times they said i lived at an address that does not exist. So again I did some homework and guess what the home at the time belonged to a XXXX XXXX and XXXX XXXX.. Not XXXX XXXX . please have this corrected ASAP. They are providing FALSE AND MISLEADING INFORMATION.
Product: Credit reporting

In 2014 I disputed directly with the Creditor XXXX XXXX XXXX XXXX XXXX an account that was reporting derogatory to the XXXX credit agencies. During this time XXXX VP of Operations sent me a letter stating that the account had been corrected. XXXX and XXXX did in fact correct my account to reflect my accounts as paying on time and current. However, Equifax has not. I have submitted numerous disputes and Equifax has not corrected the issue. The reasoning on the disputes states that the information has been verified with the creditor. Even after I have notified them and submitted the letter from XXXX XXXX XXXX they refuse to correct this. I have also contacted XXXX directly and they stated that Equifax has not reached out to them. I would like this matter resolved immediately as possible as this is affecting my score.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 sections 602 a state " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Experian are consumer reporting agencies, and I am the consumer. I have the right to make sure my private information isn't shared which is back by 15 USC 6801 which states " It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its consumer 's " nonpublic personal information. ''
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have been filing disputes with the credit agencies. They are not attaching the paperwork I send according to the FCRA to the disputes I submit and are not sending me copies of the verification process that I request. The people I speak to over the phone don't understand XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries on my TransUnion, XXXX, and XXXX that are not open lines of credit - I request that the CRAs remove these inquires immediately.
Product: Debt collection

On XX/XX/year>, I made an attempt to get the original signature of the agreed upon contract for this creditor. Now I ask for The validation claim according to Debt Collection 15 USC 1692 G. 1. Details on the full payment history on the amount agreed on in the original contract per month. 2 the original signature for the agreement contract for XXXX XXXX. 3. Has there be any insurance claim filed on this Debt. 4. please send me the chain of Title on this Debt. Immediately and mark this collection as closed within 15 days
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING NEGATIVE ACCOUNTS ARE REPORTING NEGATIVELY ON MY CREDIT REPORT : DEPT OF ED / XXXX - XXXX, ALL THREE OF THESE NEGATIVE ACCOUNTS ARE REPORTING 120- DAYS LATE. PLEASE REMOVE THESE ACCOUNT AS FOR THE FACT THAT THEY ARE OLDER ACCOUNTS FROM 2014, NO CHANGES HAVE BEEN MADE, THEREFORE, I NEED TO FIND THE REASON WHY THIS IS HAPPENING TO ME? I NEED REASON 'S SO WHY IMMEDIATELY.
Product: Debt collection

I requested very specific information regarding these alleged debts-proof that Simon Agency owns and is authorized to collect, proof they are authorized to collect in my state-etc. 
There response was false and inaccurate- The original placement dates vary according to what they provided. On XXXX they claim they sent me notice to my current address-they are lying, I did not live there at the time. I have been disputing these false debts since XXXX. They refuse to provide the requested documwntation
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over XXXX days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA XXXX ( a ) b ) by failing to mark this disputed account as disputed XXXX ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating XXXX XXXX per the XXXX opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I received an alert on my credit report at work that there was a hard pull done on my credit report. When I left work I investigated immediately found the credit agency that did it called them got the actual company that requested the credit report contacted them. They and for me that my husband was looking to finance a dump truck through them for his business and since I wasn't owner on the business that they had to pull my credit as well. I never spoke to these people gave anyone permission to pull credit nor do I have any interest and financing any dump truck. When I ask them for assistance with having the inquiry deleted from my credit report they told me it is impossible. I contacted the credit agency they said that it can be deleted through an investigation but in order to start the investigation I need a letter from the company eat that requested my credit report stating that it was never authorized by me to have them pull my credit. They refuse to help me in any way and their suggestion is that quote I have a word with my husband. I will be forwarding their emails in response to my concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found ( XXXX XXXX ) has led me to believe I am a victim of identity theft, as I did not approve any info to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the homebuying process. I have reported the theft of my identity to the federal Trade Commission, please review the enclosed copies of the FTC 's Identity Theft Affidavit regarding this incident. In addition, I have attached a PDF doc reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Product: Debt collection

I have a loan from Regional Finance. Im a XXXX on a fixed income and I can not keep current with my debt. Two months ago I registered with a debt repair organization who will be negotiating with creditors. I get repeated and numerous phone calls from XXXX & other employees @ Regional Finance. I block there phone numbers & they call from different numbers & leave repeated voicemails, Im not trying to not pay this debt. Im making strides to negotiate & repay creditors, but I dont appreciate being harassed by Regional Finance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discharged chapter XXXX should be removed my credit report. I have written letters and called several times to no avail. I am also asking for all inquiries to be removed for all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A TREMENDOUS DROP IN MY CREDIT SCORE. I HAVE ABSOLUTELY NO IDEA OF WHO WOULD HAVE GAINED ACCESS TO MY PERSONAL INFORMATION AND WOULD BE ABLE TO OBTAIN THESE ACCOUNTS AND INQUIRIES. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING SO DAMAGED. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Product: Debt collection

Going through my credit report I noticed a collection for the amount of {$360.00}. I dont recall owing XXXX, the original creditor any amount of funds. As an insurance company based on Florida law ( FL Statutes, Sec. XXXX ), it is required for the insurance company to cover the cost for windshield repair. Upon contacting XXXX, I was told by XXXX they would not cover the expenses of the windshield cost even with me having full coverage. Knowing the law and after trying to inform them of the law, I chose to part ways with the company. I reached out to Credit Collection Services on XX/XX/2023 by postal mail requesting the debt to be validated record of any dialogue between alleged debtor and supposed creditor. Upon validation, if even possible, my next step was to consult with the agency to see what resolution we can come to and if there is an option for pay to delete. It is now XX/XX/XXXX and I still have no response from the collection agency, and the collection has still been reported on my credit as of XX/XX/2023. Being that I still have no response, I feel that my consumer rights have been violated.
Product: Debt collection

I recently received a collections on my credit report for {$380.00}. I do not know who this is or what the amount is for. I am XXXX XXXX and I will seek any remedy available. I have been receiving harassing calls from XXXX.
Product: Debt or credit management

Went through Lexington Law twice trying to find out if Im eligible to receive any of my money back. My name was XXXX XXXX has since been changed to XXXX XXXX, but I worked with them twice to help me and found out that they were being sued in order for me to see if I qualify to receive any of my money back. I need to do an address and name update. My current address is XXXX XXXX XXXX, XXXX, SC
Product: Credit card or prepaid card

I called today to do a balance transfer on a new Citi Simplicity card that I received. I spoke with someone called XXXX ( I am not sure of the spelling ) and I was told that the balance transfer fee was going to cost me 5 %. I told her that there must be some mistake that I was told that there would be no cost for doing a balance transfer she told me that it was standard for them to charge 5 %. I asked to speak to her supervisor and she transferred me to a lady by the name of XXXX. I told XXXX that I felt like I was tricked into getting this card because I wanted to use the card for a balance transfer and take advantage of the 0 % fees. I also let her know that I was told on the phone by another rep a couple of weeks ago that there would be no fees. It turns out that XXXX wasn't even a supervisor she was only another rep and that she couldn't do anything for me. I asked to speak with her supervisor and she told me that there wasn't a supervisor there. I asked her when her supervisor would be in and she said in 3 or 4 hours. I said to her that it is the middle of the day and there are no supervisors there, then she said that there were no supervisors available. I told her that I would wait, she said that I couldn't do that and hung up on me. I feel violated and feel like I was lied to and deceived into getting this credit card.
Product: Credit card or prepaid card

Fraudulent XXXX charges from XX/XX/XXXX, XX/XX/XXXXay 1 and May 2, 2021 appeared on my Jet Blue Mastercard. On XX/XX/XXXX when I first saw the pending charges from XX/XX/XXXX and XX/XX/XXXX, I called Mastercard and advised them not to authorize the payments. While the XX/XX/XXXX charges were not authorized, the XX/XX/XXXX ones were approved. On my XX/XX/XXXX statement there were other fraudulent Uber charges. In all, they amounted to over {$130.00}. I have called Mastercard several times. They have twice removed the charges and then placed them back on my account. 
When I received my most recent bill,, there were still {$120.00} in unauthorized, fraudulent Uber charges that were never made by me or my son who is an authorized user. What is most disturbing is that the Fraud Investigations agent who I contacted by phone on XX/XX/XXXX, by the name of XXXX, told me that her notes indicate that all Uber charges on my account, totaling over {$130.00} were not valid according to the notes from my previous 5 calls, and she couldn't explain why they were first taken off and then put back on my most recent statement. When I asked for a supervisor, she said none was available and it would take several days to contact one to reach out to me. 
I told Mastercard on several occasions the source of the fraudulent Uber charges. My son made a purchase from XXXX XXXX on XX/XX/XXXX for his XXXX XXXX XXXX graduation. He received a letter dated XX/XX/XXXX from XXXX stating that many students who purchased from XXXX XXXX had fraudulent charges on their credit cards. XXXX XXXX was hacked and also contacted my son to acknowledge this. Despite having this information that I provided both verbally and in writing to Jet Blue Mastercard, {$120.00} of fraudulent charges appear on my latest statement dated XX/XX/XXXX. I have no confidence in Mastercard 's ability to resolve this matter. I also mailed to Mastercard a copy of XXXX 's letter proving the fraud. Neither I nor my son made any Uber charges ever on my Jet Blue Mastercard. All should be permanently removed from my account and I should be reimbursed for at least one that I mistakenly paid with my XX/XX/XXXX statement.