23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

To : XXXX XXXX. NewRez ( XXXX ) On XX/XX/year>, XXXX XXXX XXXX approved my XXXX XXXX XXXX and Personal Property Tax relief from XX/XX/year> - XX/XX/year>. 
As per Newrez 's instructions, I mailed a copy of this approval to Shellpoint Mortgage Servicing. At that time, Newrez had paid the County from my escrow account, the amount corresponding to the first semester of Real Estate Taxes on the property. 

In XXXX I had to pay the taxes included in my monthly mortgage payment, which caused a surplus in my escrow account. 
From XXXX to XXXX the value of the taxes was excluded from my monthly payment according to the relief. Now in the XXXX payment, I do not understand why, NewRez includes the taxes in my mortgage payment, having the relief until XX/XX/year>. 

The County reimbursed the funds paid for the first semester, to the XXXX XXXX XXXX XXXX firm on XX/XX/year> according to the information provided to me by the County.

I have not yet received the refund of these funds and the reason you give me is that you do not have the letter of approval for the tax relief. How were the taxes excluded from my monthly payments if you did not have that letter? 

For the fourth time, I am attaching the following documents : 1.- Letter of approval for 100 % relief from Real Estate Taxes for the year XXXX 
2.- Real Estate Bill from XXXX XXXX XXXX confirming the relief from paying Taxes.

3.- Letter to Shellpoint Mortgage Servicing sent by mail, informing them of the approval of the Tax relief. XX/XX/year>. 
4.- Fax sent to the Newrez Tax Department XXXX XX/XX/year>, with the copy of the relief approval letter and the information of the refund made by the County of the tax payment for the first semester of XXXX  made to XXXX XXXX XXXX XXXX made on XXXX XX/XX/year>, for {$1100.00} with check # XXXX. 
5.- Again, the Newrez Tax Department requests that I send them the relief approval letter and I attach the Real Estate Bill of my property for the year XXXX where the XXXX balance for the payment of Taxes is confirmed. 

In this situation, I am forced to pay my XXXX Mortgage payment with taxes included. 

I request an explanation of how it has taken so long to clarify this situation and errors continue to be made. 

Thank you
Product: Student loan

Navient is working my case I am been playing my loans from long time. Couples of years ago they discounted my taxes return to pay my loans and til now I am continue paying the same amount. The only thing that I want is a full investigation. 
Thank you {$30000.00} and I never took a long like that
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 XXXX 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 HAVE BEEN AFFECTED BY THE XXXX XXXXATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The credit lender, Alpheon, failed to provide account information at the beginning of our term, leading to missed payments. I am requesting investigation and correction.

This incident arose due to a failure on the part of the lender to provide any sort of account information, resulting in missed payments. Even upon my most recent phone call with them they agreed they never sent out any email, phone call, or mail with my account information. And that my initial application included all information for them to be able to take my payments and they still failed to enter the information in their system.

Upon my initial application, I provided my bank information with the expectation that it would be used for monthly payments. Unfortunately, I was unaware of any missed payments until receiving a credit alert three months later. Immediately upon notification, I contacted Alpheon to rectify the situation.

During our phone call, I learned that the lender claimed they were unable to send me account information due to an alleged inability to locate my address through the postal service. However, to initially verify my account they gave my address to me, so they indeed did have my address and they were lying. Furthermore, when questioned about their failure to contact me, they stated they did not have my phone number. However, during the same call, they verified my account using my phone number that I called with. So they were using excuses to not take accountability for their mistake on not forwarding me information needed to make payments on my account. 

I want to emphasize that I have a longstanding record of prompt payments and never intended to miss any obligations. To prevent future occurrences, I have set up automatic payments with the lender, even though they already possess my bank information, address, and phone number. And I am looking to make a last full payment to close out the account this month. 

I kindly request your assistance in investigating this matter and rectifying the negative impact on my credit score.

Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

Account # XXXX - Unfortunately during the period that I have held this paid-for and settled account, I was unable to keep up the payments and fell behind. I was going through a rough patch in life. I am a XXXX  mother of XXXX children who was laid off twice and lost everything in a home fire in XXXX of XXXX. I reached out to the Executive Office in XX/XX/XXXX and I was given a call and told that I wouldn't be able to receive assistance. I emailed again in XX/XX/XXXX and there hasn't been a response. I fully respect my obligations with Capital One & I have worked diligently to amend my relationship with you by regaining your trust. This spring, I was laid off a third time from the pandemic as well. A brief look at my current accounts will reveal that I have successfully made on-time payments with my XXXX, Walmart, & Platinum Accounts since my unfortunate circumstances and I made timely payments while I was laid off during the pandemic as well. Ive recently began searching for a new home for my family & it has come to my attention that because of my previous late payments with Capital One that this could hurt my ability to qualify for home loans. As you know, FICO scores are extremely important in the selection of prospective job, home, and car purchasing applicants. In light of my renewed focus & demonstrated commitment to rebuilding my trust with your company, Im requesting that you please give me a second chance at a positive credit rating by deleting the tradeline. This account is over five years old. If you are unable to delete this tradeline, please remove the late payments off the account. This second chance will allow me to pursue the home of my dreams for my family. In the meantime, I have attached the Police Report & XXXX XXXX Letter from the home fire in XXXX of XXXX and the letter of settlement from the collection agency regarding Account # XXXX ( this account has been notated as Paid at all three credit bureaus ). Thank you for your time & I look forward to receiving a favorable decision from your company soon.
Product: Checking or savings account

I notice my account was missing {$1000.00}. I went on line and tried to file a compliant with Wells Fargo through my app ( which don't allow you to pick your real reason on why you want a complaint ) about your money missing. I tried to explain this in so many words that I will never book a XXXX appointment especially in my medical condition. I XXXX the name of the place who falsely took money out my account, even when I visit the wells Fargo office I told them verbally I don't live at that XXXX address, and I moved because the home got broken into and personal information, and things was stolen. which I have a police report, but I see Wells Fargo is very careless with all my claims I put in I notice. they always reject them. I work hard for my money. I've been banking with them about 9 years.
Product: Credit reporting or other personal consumer reports

These accounts should not be reporting any late remarks because the payment has been done on time by my bookkeeper. You should have confirmed it on your records if you have investigated it properly. Please review these accounts and remove the late remarks on my account. XXXX XXXX Date Opened : XX/XX/XXXX {$1000.00} XXXX XXXX Date Opened : XX/XX/XXXX {$2200.00} XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX {$8800.00} XXXX  XXXX Date Opened : XX/XX/XXXX {$3700.00} XXXX XXXXXXXX Date Opened : XX/XX/XXXX {$7200.00} XXXXXXXX XXXX  XXXX Date Opened : XX/XX/XXXX {$15000.00} XXXX XXXX Date Opened : XX/XX/XXXX {$7100.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$15000.00} XXXX XXXXXXXX Date XXXX {$3500.00} XXXX XXXX  XXXX Date Opened : XX/XX/XXXX {$4400.00}
Product: Checking or savings account

I had recieved a letter from Apple Bank telling me that I had an account that was in danger of being given up to the state due to inactivity. Upon receipt of this letter i visited the XXXX branch of Apple Bank in XXXX XXXX, NY and attempted to access the account information. I was able to learn that this was a Custodial account opened at least a decade ago by my mother with me set as the beneficiary to recieve the funds when I became an adult. Now, being XXXX XXXX XXXX the Custodial account should have been transferred fully into my name as per the UTMA ( Uniform Transfer to Minors Act ). However, Apple Bank now refuses to allow me to have any information about the account but will allow my mother to withdraw all the funds even though the XXXX clearly states that the funds should now be in my sole control and that no withdrawal shall be made that does not benefit the beneficiary.
Product: Credit card or prepaid card

I have filed several disputes with the Care Credit and they refuse to honor my dispute for a charge nor investigate it further due to the dentist claiming he provided the services although I'm saying he did not render services. I am currently in the process of an open investigation with XXXX against the dentist and have asked them to hold off payment until it is resolved, which they have refused to do as well as review submitted documentation again.
Product: Mortgage

We submitted our file for loss mitigation review. Our loan has not been modified. We fell behind due to medical issues and an accountant mismanaging my self employed business earnings.I am now on a payment plan wuith the IRS and i submitted this proof of hardship. To top it off, when covid hit, we shut down completely. This has been an extremelydifficulttime for us. On XXXX first we were advised by XXXX XXXX, that we needed to update the XXXX form and that they did not receivemy profit andloss. We resentin the information and got confirmation that it was received by Fay. Since XXXXWeve called continuously and were advised by each and every rep that the file is being reviewed. XXXX were suddenly advised that the file is now just sitting there. The representative also advised that they will not be reviewing the file as its too close to the sale date. All of a sudden they stopped the review of my file? Why when we called in weekly we advised that the file was being reviewed. How do they just stop doing their job?? How has every single representative given us inaccurate information? It is very obviouswhat is going on. Fay Servicing was dual tacking which is illegal.Dual tracking '' occurswhen a mortgage servicer continues to foreclose on a borrower 's home while simultaneously consideringthe borrower 's application for a loan modification or other foreclosure avoidance option.
Product: Checking or savings account

On XX/XX/year> XXXX charged me four separate {$25.00} dollar fees with no merrit or basis behind them. When attempting to dispute them with my bank, I was told they are unable to be disputed as they are tied to deposits I made. I then attempted to dispute the deposits as the four {$25.00} dollar fees had no merit or basis behind them. When attempting to contact support they purposely disconnected me every time to avoid the illegal practices theyre running. They charge meritless fees, tie them to deposits you made, then when you attempt to dispute the deposit they provide your ip address, email, name, and win the dispute, thus allowing them to collect any amount of money they want from you through these meritless fees. This has happened to thousands of people and I honestly am disgusted at this scam theyre running. I demand my money back and will stop at nothing until this company is held accountable for their unethical practices of stealing money from customers. As you can see in these screenshots, I had sufficient money in my bank account for the deposits, but they still charged me random fees. It is obvious there are managers cooking the books through these fees for extra bonuses.
Product: Debt collection

Several people from this place called my phone and my husbands, claiming to be working for Capital one and XXXX XXXX XXXX wanting me to pay an old Capital one debt. I asked them to send this in writing. They did not. They tried several times to collect money from me over the phone, saying that it was not handled properly and that I owe Capital one a lot of money. They said I have to make arrangements. I was connected to several different people. I am XXXX and would appreciate them leaving me alone when I asked them to. I asked for something in writing and they said they would but instead keep calling up to 5-10 times a day telling me to call immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX, XXXX, XXXX and XXXX XXXX XXXX  are violating my rights under the FDCPA, FCRA, and as a consumer. They have failed to verify and validate information before placing fraudulent information on my consumer report. This is defamation of my character as they are saying I owe an alleged debt that is not mines.This alleged debt is a violation of 12 CFR 1006.34 15 USC 1692g as well as12 CFR 1006.30 ( e ) 15 USC 1692j ( a ), I demand to see a contract with my signature and the fraudulent debt collector in mention along with a copy of the judgment made against me that validated this alleged debt. This alleged debt is also a violation of 12 CFR 1006.22 15 USC 1692f as there was never an agreement between myself and the fraudulent debt collector attempting to collect an alleged debt.I have no contract and/or agreement with XXXX XXXX XXXX XXXX they are acting as a third party attempting to collect a fraudulent debt. They have not provided me with any documentation that contains my signature authorizing any agreement or contract between XXXX XXXX XXXX XXXX XXXX XXXX. EQUIFAX XXXX, and XXXX has not provided proof that they verified the consumer was given the chance for the information not to be shared and the consumer chose not to opt out every time they have received information pursuant to 15 U.S. Code 1681a ( 2 ) ( A ) ( iii ) .they have not provided any proof that information solely on transactions or experiences between the consumer and the person making the report is not to be excluded from a consumer report pursuant to 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). I never gave them consent to furnish anything on my consumer report as described in 15 USC 1681b.They have not provided any judgements made against me or any original notes .This is directly impacting my life as I have been denied for credit because of them.
Product: Mortgage

On XXXX XX/XX/2021, my son, who is authorized to access my account, call to inquire of the PIF amount. He spoke with a " XXXX '' with Affiliate Mortgage Services. He introduced himself and made the request. He didnt easily recall my social security number but referenced a previous email whereby I authorized him to speak on my behalf and access my account. When she wouldnt provide the information, my son called me at work and connected me on three-way. 

After verifying myself, I alerted XXXX my son was authorized and she confirmed he wanted the PIF amount. We both concurred. She then said she needed to get someone else on the line to assist. 

My son and I challenged her by saying she led us to believe she was providing the information. My son spoke up and indicated she had wasted our time and that we needed the PIF amount and if she couldnt provide it the principal amount would suffice. XXXX disregarded us, misled us, was unprofessional, and merely transferred the call to the collections department. The call went to voicemail. We tried calling XXXX back and each time she sent us to her voicemail. 

My account isnt in collections. 

This agent needs immediate remediation and the company should be investigated for potential CFPB and OCC reg violations. THe agent needs to understand there is a proper way to address customers, to provide proper information, and not misled, insult, or be disrespectful.
Product: Credit reporting or other personal consumer reports

I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury and defamation of character. I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit, which is needed during this time in pandemic. This is not only affecting myself, but my children and family as well. 
Accounts XX/XX/XXXX DEPT OF ED/XXXX XXXXXXXX {$23000.00} XX/XX/XXXX DEPT OF ED/XXXX XXXX {$2700.00} XX/XX/XXXX DEPT OF ED/XXXX  XXXX {$3700.00} XX/XX/XXXX DEPT OF EDXXXX XXXX {$7400.00} XX/XX/XXXX DEPT OF ED/XXXX XXXX {$2300.00} XX/XX/XXXX DEPT OF EDXXXX XXXX {$2300.00} XX/XX/XXXX DEPT OF EDXXXX XXXX {$1800.00} XX/XX/XXXX DEPT OF ED/XXXX  XXXX {$3000.00} XX/XX/XXXX DEPT OF ED/XXXX  XXXX {$3600.00} XX/XX/XXXX DEPT OF EDXXXX XXXX {$3900.00} XX/XX/XXXX DEPT OF EDXXXX XXXX {$3800.00} XX/XX/XXXX DEPT OF ED/XXXX XXXXXXXX {$930.00} Inquiries XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX TRANSUNION XXXX XXXX XX/XX/XXXX XXXX XXXX via TRANSUNION XXXXXXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTRANSUNION XXXX XXXX XXXX XXXX XXXX TRANSUNION 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is denying my rights under FCRA to file an online dispute, credit report and credit score. 

When I go online to their website to file a credit file dispute it denies me to file an online dispute. 

I am being disenfranchised as being refused my privilege to log into their website. 

All consumers expect me have the privilege to log into their website without any Red Tape.
Product: Debt collection

XXXX XXXX XXXX XXXX sent a bill for over {$2000.00} with zero explanation, it only says miscellaneous charges. {$88.00} was indicated as the final energy charges. I have requested a full complete itemized receipt of charges including : dates, addresses, energy charges, etc. from 2 collections companies and from XXXX & XXXX themselves, no one will provide this information to me. Over the years I have blindly paid whatever charges XXXX & XXXX arbitrarily alleged that I owed as I needed service and they are the sole energy provider in my area. This time I have chosen to dispute as my bill was not behind nor am I no longer required to utilize their service. The VP from XXXX & XXXX called me last year and promised to provide me with the requested information and I have never heard from them again, until today, when I spoke to XXXX at IC Systems, who also refused to provide me with documentation of debt and refused my request for a manager. I will not be paying this erroneous charge to XXXX & XXXX. I will have this gross error removed from my XXXX, if it means suing XXXX & XXXX is my only option.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report goes down every time you apply, really! 
XXXX XXXX XXXX XXXX send all thier junk advertisement to me in mail. Then I apply, they deny, was going to transfer balance from XXXX  cause of thier XXXX ups. Mostly caused by in my opinion by staff reductions.they didn't allocate my payments as I wanted, now last month they did but still not for month before. The bank spent lots of money trying to get me tp apply for thier credit card. So why deny and reduce my credit score, big old scooge for sure like XXXX XXXX! Stay away from XXXX XXXX, know first hand they are deceiving and dirty! 
Get that hard check off my record by XXXX  XXXX XXXX. 

Then amazon credit application denied by chase. Already have card with chase.

Site said, get XXXX dollars from Amazon and 12 months free payment plan with azmazon card. Got denied by chase. So Now I put it under my XXXX XXXX. The purchase. 
In XXXX, I will transfer XXXX  balance to XXXXr. Those applications should not bring my score down, its a gimmick by card companies and banks. Get that credit denial off my record, it was better deal, free XXXX dollars and no interest payment plan. Big business advertisement. We get punished? What's wrong with the America. Get chase credit check off my record! Chase represenative told me go to credit bureau, ok, so I did!
Product: Credit reporting, credit repair services, or other personal consumer reports

RE ; XXXX XXXX XXXX XXXX ORIGINAL CREDITOR INFO : 12 SPEEDY CASH  3 CONSUMER NAME : XXXX XXXX XXXX, Kindly dispute this collection information away from my account and report. I'm a diligent XXXX  and hardworking as I was also a victim of identity theft when my car was stolen in XXXX  last XXXX with everything loss and I faced huge financial hit with struggles. 
I hope that you will deeply consider my request and prove once again, why company name is heads above the rest. I look forward to your reply.