23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I received a letter from Nationstar Moartgage LLC, my current lender on an investment property located at XXXX, XXXX XXXX, XXXX XXXX, CA. The letter from Nationastar states that I could lower my monthly payment by {$160.00} with the same terms as my existing loan, and more importantly, with no costs to me. 

Because of the lower payment, I called Nationstar and talked to a loan specialist called XXXX. Once I started talking to XXXX, then I realized this is a " bait and switch '' scheme. He told me that my current loan is very favorable and can not get me a lower payment with a new loan. He then tried to get me to sign up for a new loan, with either fees upfront or a shorter term for a lower rate.
Product: Credit card or prepaid card

I placed a curbside pickup order through XXXX for 4 dresses on XX/XX/2022. The order was sent to the wrong store. 
I contacted Macy 's by calling their customer service on XX/XX/2022 and was transferred to the store location where the package was sent ( XXXX XXXX, NV ). I spoke with Macy 's representative and relayed my problem. The representative said they would forward my package to the correct store location ( XXXX, NV ). I was told that the package was being sent to the correct store location ( XXXX, NV ) from the XXXX XXXX Macy 's representative through XXXX and would arrive the next day. 
I visited the XXXX store on XX/XX/2022 to pick up the package and the XXXX Macy 's had no record of my package and informed me that my package was already signed and picked up at the XXXX XXXX Macy 's on XX/XX/2022. I had never been to the XXXX XXXX Macy 's nor picked up my order. 
The XXXX Macy 's representative contacted Macy 's customer service and I was informed that Macy 's would process a refund on the missing items and that they ( Macy 's ) would contact me in 7 days regarding the refund. 
I called Macy 's customer service on XX/XX/2022 XXXX am and spoke to an associate XXXX regarding this issue as I didn't receive the refund or any correspondence regarding this issue. After explaining the issue He said that a refund would be issued as the package was considered missing. A refund was issued for only one item of the entire order/package On XX/XX/2022 ( See attached ). 
On XX/XX/2022 I called Macys XXXX. again and spoke with an associate about the continued problem. After explaining the situation she said that the refund could only be resolved by the XXXX XXXX Macys. The associate said that there should be a resolution by the following Monday and that she personally would give me a call with her supervisor to ensure that the situation was handled. Monday comes and no phone call so I call customer service again. 
This individual informed me that the XXXX XXXX Macys declined the refund of the missing package and that the only option available to me would be to make a fraudulent charge claim. Either macys committed fraud or their employees did because the only people to ever see my package was the XXXX XXXX macys employee who signed for and claimed to have shipped my package to the XXXX macys. 
I filed a fraudulent charge claim and received this email. ( see attachment ) On XX/XX/XXXX I called Macys customer service inquiring about the status of my claim and was told that there was nothing to report. As I didnt have any charges on my statement I assumed that the issue was being resolved. Fast forward to XXXX and I receive a statement that I have outstanding charges on the card. 
To sum up : Macys shipped an order to the wrong store Macys signed for me and picked up my order Macys claimed to ship my order to the correct store I received no package/order Macys customer service has dodged or deflected me for 3 months Macys has not cooperated with me nor communicated me
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Report recently, I discovered some instances of late payments on an account for which I have been on time. It is my understanding that that consumer reporting information should be in complete accuracy. XXXXXXXX XXXX XXXX XXXX XXXXXXXX I have attached a copy of my report to this complaint on the following date. XXXXXXXX XXXX I am now requesting to investigate this account and if unable to furnish proof, please update these payments to paid on time. Thank you for understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recieved notification on XX/XX/XXXX from XXXX  about an inquiry of someone using my info throuch J.P.Morgan chase to get a credit card. On XX/XX/XXXX recieved another notification from XXXX  that someone has been approved for a credit card through J.P.morgan chase XXXX XXXX is working on this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts below is not mines. The company has been calling and treating to have me arrested and taking legal action against me. I know their are laws to protect me from this. And how do they contact people who the debt does not belong too? 

XXXX XXXX XXXX Last reported XX/XX/XXXX {$31000.00} Reported balance The account below has an incorrect balance. 

XXXX XXXX XXXX Last reported XX/XX/XXXX {$590.00} Reported balance The inquiries below were not authorized by me. 

XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX   XXXX Inquiry from XX/XX/XXXX Automotive  XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX  Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX   XXXX I Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX   XXXX I Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX I Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Bank
Product: Debt collection

I received a ticket in the mail stating that I used a toll road. The car image was one of my older cars that I had traded-in back in XXXX of XXXX. The picture clearly showed temporary tags. Also, at the time of the image I was at work. I sent a dispute to State Road & Tollway Authority... 
On XX/XX/XXXX We have received your inquiry and opened a case. 
Incoming Correspondence : VIOLATION DISPUTE We have begun the process of researching your inquiry. If you need to provide further information or reply, please do not change the subject line of this email since it is used for tracking purposes. You will receive an email response between 3 to 5 business days. 
Thank you for submitting your inquiry. 
Then I received confirmation that the case was solved. 
On XX/XX/XXXX Incoming Correspondence : Fw : Your XXXX is paid off! 
We want to inform you that the case related to your inquiry has been Resolved. 
Additional Information : * Thank you for submitting your inquiry. 
On XX/XX/XXXX I received a letter in the mail from XXXX ( Professional Account Management ) a collection agency. 
They told me that the account was still open and reporting. I told them that this was harassment and they told me I Need to file another dispute. I spoke with XXXX and a supervisor, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I noticed that TRANSUNION, has an incorrect collection on my report about an old medical bill I paid. XXXX, is somehow using my identity and a medical bill, fraudulently sent to them by an angry medical clerk, whom refused to honor the secondary insurance, but insist I paid her over the phone. She threatened collections. I have  PAY TWICE, to avoid her threats I kept receipts from XXXX  to XXXX. This collection should have never been reported to TRANSUNION, and XXXX immediately removed this peculiar $XXXX  collection, that was paid.Transunion has lowered my score to XXXX, and reported this score to XXXX, and hurt my credit ratings. XXXX has my score well over 680.
Product: Mortgage

XX/XX/XXXX and mutual agreement between XXXX XXXX XXXX and Bank America was made regarding a repayment plan on my loan # XXXX Case # XXXX On about XX/XX/XXXX, I attempted to make my payment however the call center advise because my account was showing in modification status the system would n't process the payment. XX/XX/XXXX I attempted to make a payment of {$2300.00} the system processed it without issue. XX/XX/XXXX, the system declined payment again the Bank canceled the repayment plan. I made several attempts to bring my account current to no avail. XX/XX/XXXX, Filed a complaint with ( CFPB ). express my concerns shortly after Bank of America customer resolution team assigned a specialist : XXXX XXXX whom I forward several financial documents/ Modification applications ... again too no avail. XX/XX/XXXX XXXX XXXX law firm notified me stating Bank America reviewed my concerns and therefore cease the foreclosure process. XX/XX/XXXX I was assigned another Resolution Specialist : XXXX XXXX whom notified me after my second complaint to ( CFPB ). stating she was my dedicated single point of contact that she would resolve the matter XX/XX/2015, Again no communication from : XXXX XXXX. On XX/XX/XXXX XXXX XXXX Attorney for the Bank notified me regarding proceeding of foreclosure hearing on XXXX, I have made every effort too make the loan current and provided documents requested for the modification filed ( XXXX ). Complaints with ( CFPB ). Currently the matter has not been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2022, I have been contesting fraudulent information on my credit report. I've been waiting for an answer from you, but I haven't heard anything yet. The unverified accounts indicated below continue to report on my credit report in violation of federal law despite prior CFPB complaints. Despite my best efforts to resolve this issue directly with the creditor, the XXXX, TransUnion, and XXXX credit bureaus continued to report unconfirmed information in violation of section 605b of the Fair Credit Reporting Act and were therefore found to be acting with willful negligence and in violation of federal laws. I want this information to be checked for appropriateness, accuracy, and completeness. Please give me a prompt answer describing the actions you will take to remedy this issue. I shall be forced to utilize my legal rights and take legal action if I don't hear back. 
TRANSUNION : XXXX  XXXX Balance Owed : {$1000.00} XXXX  XXXX Balance Owed : {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act Account Name : XXXX RXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX 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
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since CREDIT BUREAU 's investigation was done improperly, Credit Bureaus must update the following accounts from my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with this XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 
I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Checking or savings account

I'm writing to file a complaint against navy federal credit union regarding multiple overdraft fees I have incurred. despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. this issue aligns with the recent CFPB findings against navy federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX   XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX used my data & email address I have now on my new cell phone to verify the account I have with them but the email they sent a verification code to does not match the one I verified with the account.
Product: Mortgage

My mortgage company, Sierra Pacific Mortgage, was late paying my hazard insurance. I called them multiple times leading up to the expiration date to confirm they had paid. Each time they told me the check was in the mail as a batch payment to the insurance company. But because they waited until the last moment to distribute that payment, my insurance company cancelled my homeowners insurance. I was without coverage during a major fire season in California, in an area that was evacuated due to wildfires. I made the payment myself via a credit card. I was charged a fee for having my policy reinstated. My insurance company told me they would reimburse me if/when they received the mortgage payment from the lender. But, they'd need to hold onto my payment ( {$1100.00} ) for 20 days as was state regulation. Meanwhile, my mortgage company  sent me a letter telling me my insurance had expired! If my lender had made the payment in a responsible and timely manner, this would not have happened. Thankfully, I had the ability to charge this onto a credit card. I'm sure there are others who don't have the resources to do so. Sierra Pacific Mortgage 's payment policy negates the point of an escrow account and puts homeowners at risk.
Product: Credit reporting, credit repair services, or other personal consumer reports

M & T BANK ACCOUNT # : XXXX!!! DELETE THIS ACCOUNT IMMEDIALELY!!! 
XXXX ALREADY DELETED THIS ACCOUNT OFF OF CREDIT FILE DUE TO INACCURATE & INCOMPLETE FURNISHING!!! DELETE THIS ACCOUNT IMMEDIATELY!!! 

M & T BANK CHANGED CLOSED DATE TO XX/XX/XXXX ) ON OLDER REPORTS THE CLOSED DATE WAS XX/XX/XXXX. HOW DID THE CLOSED DATE CHANGE? 
THE REAL CLOSED DATE IS XX/XX/XXXX ) I THINK M & T DID THIS ON PURPOSE OUT OF SPITE TO DAMAGE MY CREDIT FILE I HAVE PROOF ON DOCUMENT!!! VIOLATIONS!!! 
XXXX & XXXX ARE FURNISHING INCOMPLETE & INACCURATE INFORMATION ON CREDIT FILE ( THERE IS NO WAY YOU VERIFIED THIS ACCOUNT ITS REPORTING INCOMPLETE & INACCURATELY )!!! DELETE THIS ACCOUNT IMMEDIALELY!!! 
XXXX ALREADY DELETED THIS ACCOUNT OFF OF CREDIT FILE DUE TO INACCURATE & INCOMPLETE FURNISHING!!! DELETE THIS ACCOUNT IMMEDIATELY!!! 


XXXX VIOLATIONS : ( THERE IS NO WAY YOU VERIFIED THIS ACCOUNT ) 1. XXXX THERE IS NO CLOSED DATE 2. NO NOTICE OF DISPUTE STATUS WITHIN 30 DAYS ( DIDNT PUT ANY DISPUTE STATUS WITHIN 30 DAYS OF DISPUTE ) 3. INACCURATE PAYMENT HISTORY IS REPORTING ( NOTHING SHALL BE FURNISHED ON REPORT AFTER CLOSED DATE ) 4. TERM LENGHT : 12 MONTH ( S ) ( TERM LENTH SHOULDNT BE REPORTING ON COLLECTIONS/CHARGEOFF ) 5. PAST DUE AMOUNT : {$3500.00} ( THIS IS A COLLECTION/CHARGEOFF THERE IS NO PAST DUE AMOUNT ) XXXX VIOLATIONS XXXX ( THERE IS NO WAY YOU VERIFIED THIS ACCOUNT ) 1. CHANGED CLOSED DATE : TO XX/XX/XXXX ( HOW DID CLOSED DATE CHANGE? THE REAL CLOSED DATE IS XX/XX/XXXX ) I THINK M & T DID THIS ON PURPOSE MAJOR VIOLATION DELETE IMMEDIATELY ( M & T BANK CHANGED CLOSED DATE TO XX/XX/XXXX ) ON OLDER REPORTS THE CLOSED DATE WAS XX/XX/XXXX. 
XX/XX/XXXX CREDIT REPORT XXXX MAJOR VIOLATION DELETE IMMEDIATELY XX/XX/XXXX CREDIT REPORT XXXX ( M & T BANK CHANGED CLOSED DATE TO XX/XX/XXXX ) ON OLDER REPORTS THE CLOSED DATE WAS XX/XX/XXXX. 



2. NO NOTICE OF DISPUTE STATUS WITHIN 30 DAYS ( DIDNT PUT ANY DISPUTE STATUS WITHIN 30 DAYS OF DISPUTE ) 3. NO PAYMENT HISTORY IS REPORTING ( HOW DID YOU VERIFY, ITS NO HISTORY SHOWING ) 4. TERM LENGHT : 12 MONTH ( S ) ( TERM LENTH SHOULDNT BE REPORTING ON COLLECTIONS/CHARGEOFF ) 5. PAST DUE AMOUNT : {$3500.00} ( THIS IS A COLLECTION/CHARGEOFF THERE IS NO PAST DUE AMOUNT ) 6. PAYMENT FREQUENCY : MONTHLY ( EVERY MONTH ) ( SHOULDNT BE REPORTING ON COLLECTIONS/CHARGEOFF )
Product: Mortgage

On XX/XX/2020 I requested a payoff amount for my home mortgage loan and when I called Wells Fargo on XXXX XXXX to check on the status of my recorded request, I was informed that they do not have it and to submit another request for your payoff amount. I informed the supervisor on duty that your company is in violation of 15 US code 1639g and to correct the issue. The supervisor was unable to correct it but instead informed me that they will escalate it and make a complaint on my behalf to management.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account for XXXX XXXX  XXXX # XXXX is on my credit report and it is incorrectly reported. After 2 investigations with the credit bureau 's the accuracy hasnt been corrected. The following is incorrect on the reporting... 

1. ) It is rated every month as C/O. It should only have been marked C/O on the first month after the first 120 day late. 

2. ) The following dates are incorrect on several reports, the Date of Last Activity, the Date Reported, the Date Opened, Closed Date.
Product: Debt collection

I am reporting a fraudulent credit card account that was opened in my name without my authorization. I did not apply for, open, or use this account, and I believe I am a victim of identity theft.

Details of the Fraud : The credit card account was opened on XX/XX/XXXX by CITIBANK NA. 
The account appears on my credit report with a balance of {$1700.00} that I did not incur. 
I first became aware of this fraudulent account on XXXXXXXX XXXX XXXX when I reviewed my credit report/received a notification. 

Actions Taken : I have reported this identity theft to the FTC at IdentityTheft.gov, and my FTC Identity Theft Report number is XXXX I have also contacted the credit bureaus ( XXXX, XXXX, and XXXX ) to place a fraud alert on my credit file. 
I have reached out to XXXX XXXX to dispute the fraudulent account, but they have not resolved the issue.
Product: Checking or savings account

I am an attorney first licensed to practice law in California on XX/XX/XXXX. 

On XX/XX/XXXX, I opened multiple bank accounts with Citibank, including a personal checking account ( Citigold which is now CitiPriority ), a money market account, a business checking account ( CitiBusiness ), and an attorney trust account ( CE CONTROL IOLTA ). All accounts were opened with the assistance of Citibank account officer XXXX XXXX at my local Citibank branch : Citibank, XXXX XXXX XXXX, XXXX XXXX, California XXXX. 

Before and at the time I opened my accounts, I was promised ( a ) by Citibank account officer XXXX XXXX and ( b ) by the Citibank web page titled " Business Solutions for Legal Professionals '' that I would receive " No monthly maintenance fees on CitiEscrow or standalone IXXXX  ... Waived monthly service fee on a checking account ... No monthly maintenance fee on business checking account ''. The " Business Solutions for Legal Professionals '' web page can be accessed on Citibank 's web site by visiting this online address : XXXX XXXX XXXX XXXX. This web page still exists and still makes the same no-fee representations and promises it made in XXXX. 

Citibank waived fees for my accounts ' first month. However, thereafter, Citibank has charged me {$30.00} per month as a monthly service fee on the checking account, despite their oral and written promises not to do so. 

I have had a checking account with Citibank for the past 61 months. I have been charged a monthly service fee of {$30.00} per month for the past 60 months ( because the fee was not charged the first month ). {$30.00} per month x 60 months = {$1800.00}. 

Citibank must be required to ( a ) honor its repeated promises to me, representations to me, and continuous advertising of " Waived monthly service fee on a checking account '' by repaying me the {$1800.00} it has taken from me and ( b ) never charge me another monthly service fee on my checking account ever again. Citibank 's dishonesty, false advertising, and unfair business practices must be corrected. 

NOTE : If necessary, I can provide all bank statements since account opening that reflect the monthly service fees.