23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I am a member of the XXXX XXXX and was mobilized to XXXX XXXX in 2018. Federal law requires that credit card companies apply SCRA benefits in these instances. Upon notification of mobilization, I filled out the archaic American Express SCRA benefit application and provided them with my orders. In the application I requested that the benefits be applied to both my Amex Platinum and Amex XXXX XXXX card. They only applied the benefits to my Amex platinum ( applying lower interest rate and did not charge annual fee ), but they did not apply them to my XXXX XXXX XXXX card. For several months, I attempted to request Amex resolve this and refund my annual fee that I was charged for the XXXX XXXX card. Eventually ( in XXXX ) it was determined that I would need to fill out another application to have these benefits applied to the card. I did so, however, they replied that due to the fact that the orders had ended they would not apply the SCRA benefits retroactively and refund my annual fee. This is absurd that they would apply them to my Platinum card and not my XXXX card, furthermore it's insulting that they don't recognize my mobilization to XXXX XXXX as qualifying for a fee refund. I inquired with several colleagues about this and not only did they have apply for SCRA relief for one card, but Amex also applied the benefit to all of the other Amex cards that they hold. Additionally, they were refunded ALL FEEs they've paid in the past. The fact that I am being singled out and not given the benefits required by federal law is insulting. I've now spent 5 full months trying to rectify this and the support that Amex has given me has been awful. I only have the federal government to turn to now to help me with this. 

Thank you
Product: Debt collection

I spoke with a representative about the debt explained I had no knowledge and was told that its not reported as it should be the representative then proceed to tell me the original amount XXXX if I paid it that it would be removed from my credit reports and I would be emailed a paid statement and the collection was no longer on my report I had to give my checking account information they took the payment out and it is still on my credit report and I havent received anything showing its been settled as you see they excepted the payment
Product: Vehicle loan or lease

I am submitting this complaint regarding an issue with my loan servicer related to the incorrect application of interest charges on my account. I have set up automated payments to ensure my payments are timely, paying {$25.00} every weekday, XXXX XXXX XXXX as a way to manage my interest charges effectively. My loan interest rate is XXXX %, and the daily interest accrual on my balance currently amounts to {$3.00}. 

Given that I make a payment each weekday, I expect the daily interest to reset each day to reflect this payment, resulting in a consistent interest charge of {$3.00} per day. However, Ive noticed recurring discrepancies in the way interest is applied. Instead of the daily charge of {$3.00}, I am frequently charged for multiple days of accrued interest, such as {$9.00}, which reflects XXXX days of interest. This pattern suggests Im being charged for periods when no payment was received, even though I have not missed any payments.

This issue raises concerns that I may be paying more interest than I should be, despite my consistent daily payments intended to minimize interest accrual. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter to ensure that the interest on my loan is being accurately calculated and charged in accordance with my scheduled payments.
Product: Debt collection

I requested a Debut validation and they received my written notice onXX/XX/2020 They never responded and still reporting negative account on my credit. I have no clue what it is. Can you verify and report my up date. They are clearly in violation of the fair debut collection act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Omni Financial twice and they did not have any information on the alleged debt but they are still furnishing this on my consumer report. They are unable to provide me with any documents regarding this account for me to validate this debt.
Product: Credit reporting or other personal consumer reports

MUST BE REVIEWED BY A HUMAN HUMAN XXXX XXXX CEASE AND DESIST OF REPORTING UNAUTHORIZED ACCTS CEASE AND DESIST OF IDENTITY THEFT FRAUD CEASE AND DESIST OF VIOLATION OF 1974 PRVACY ACT CEASE AND DESIST OF VIOLATION THE GRAMM-LEACH-BLILEY ACT 18 USC 214 ,18 USC 1348, [ GAAP ] VIOLATION, 18 USC 1028 USC1681G USC 1681s2, 18 USC 1961-1968 RICO, 1681AB2, HJR 192 1933 GAAP DELETE IMMEDIATELY
Product: Vehicle loan or lease

On XX/XX/year> I seen on XXXX XXXX an offer to refinance my auto loan through Openroad Lending at a claimed 12 %. I submitted the loan application and received emails and phone calls claiming I was approved after receiving notifications that my credit had been pulled. On XX/XX/year> I had a conversation with a loan specialist with Openroad Lending regarding the application I put in and was told my rate was going to be 11.38 % on an undetermined length of time. They stated they needed to contact my current auto loan lender to confirm my payoff amount because they could see I owed more on the car than it was worth but said should have no issues proceeding with the loan. On XX/XX/year> I received an automated phone call claiming my loan was approved and ready to go. I called Openroad Lending where I learned they still hadnt contacted my current lender. After trying to contact my current lender to no avail they said they would accept a screenshot of my online account displaying my current payoff amount. Shortly after submitting the picture to them I received another notification that my credit had been pulled. I did not know that would happen. Shortly after the credit pull I get a phone call from Openroad Lending where they stated I was approved at over 18 % interest. I said that is not what was offered where they then stated I owed more than vehicle is worth which they already knew from the previous week. I feel like i was deceived about the rate to draw me in with an unapproved credit pull.
Product: Credit reporting or other personal consumer reports

I have contacted XXXX  about the inaccurate information on my credit report. I have sent updated information based on my XXXX XXXX  bankruptcy and informed them that y credit states I'm delinquent on accounts all the way back to 2008. These derogatory marks on my credit report are affecting my credit report and homeownership.
Product: Mortgage

We refinanced with Mason Mcduffie mortgage corporation. In XXXX we received a notice saying that are loan will get transferred and theyll let us know more when it does. We never received a servicing transfer notice that tells us it has been transferred and to whom are payments will be going to. So we kept sending our payments to mason mcduffie and the money was taken out of our accounts. We then got a notice from a collection agency months later. We now have several late payment fees and a payment that doesnt show. We are in the process of sending XXXX  ( new servicing company ) proof of payment. But they will only credit one late fee. Which is unacceptable. We are never late on payment. And now Im afraid this affected our credit also. There were several phone calls with mason mcduffie about payments made to them and not once was it mentioned were sending the mortgage payment to the wrong place.
Product: Credit card or prepaid card

Citibank is giving me a hard time to file a dispute against a merchant, XXXX travel that double charged XXXX me for a service on XX/XX/22. I first filed the dispute online but the website didnt provide me the right option for the type of dispute I wanted to file and so I withdrew that dispute since it was not accurate. I tried to file another one online but the system wouldnt let me. I called citicards customer service and they supposedly filed the dispute manually for me and told me I should receive a temporary credit for the XXXX while they investigate. After not receiving the temporary credit, I called them again today XXXX, and I had to ask for a supervisor since the first person had no idea what I was talking about. The supervisor supposedly told me that they had to file it manually on their system under the following dispute number : XXXX, and that I have to wait 15 business days for a resolution and that they wont provide me any temporary credit because they had to do it manually.
Product: Mortgage

After researching the reputation of Mr Cooper, I can see I 'm not the only one who they can not seem to 'service ' properly. They were happy to buy my mortgage from a big bank and _claim_ they 've paid the homeowner 's insurance as required by the mortgage but, like so many others, the check just does n't seem to get there. And without homeowner 's insurance they want to modify the terms of the mortgage? This is a predatory lending practice ... they should not benefit from failing to adhere to the terms of the mortgage ... I PAID into the escrow all year ; they are REQUIRED to pay those monies on behalf of both of us to protect BOTH party 's interests. Clearly there is a pattern and rudimentary research on consumer complaint boards and XXXX show there are internal problems with this company 's desire to do the right thing by consumers who have no choice but to do business with them. 
This mortgage company should be MADE to make it right with all consumers by providing proof of payment ( just like I would have to do showing a franked/processed check & the account it went through ) or they should have to pay penalties and make it right with the insurance companies who are cancelling policies because premium checks do n't arrive or bounce. What can a consumer do? I did n't choose this mortgage company. I am no longer in a position to modify or refi with another lender as I was when I took out the loan decades ago ... I just want to continue to pay as I always have, pay off the note, and keep my home for my children 's sake. Clearly this is all just a money game to them while consumers lives are toyed with while they work hard to keep their homes.
Product: Credit reporting or other personal consumer reports

I asked the credit bureaus to do a verification of everything on my credit, they did and stated everything was accurate. I did a thorough investigation myself and found improper inaccuracies on the credit report even after they did a thorough investigation. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the fair credit reporting act XXXX  account # has violated my rights. 
15 U.S.C 1681 Section 602 A. States that 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. 

I HAVE ATTACHED PICTURES AND SCREENSHOTS OF MULTIPLE INCONSISTANCYS REGARDING THESE ITEMS AND THE CREDIT BUREAUS STATEMENTS SAYING THEY HAVE VERIFIED WHICH THEY OBVIOUSLY DID NOT THESE ARE ALL INCONSISTENT. 

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting or other personal consumer reports

Im submitting to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an id theft report. find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

On XX/XX/year>2024 I attempted to withdraw {$1000.00} from my Ally Checking account at a XXXX XXXX ATM ( XXXX XXXX XXXX, XXXX XXXX XXXX, CA ). The ATM displayed an error, " We can not help you at this time '' and did not disburse the cash. I tried another XXXX XXXX ATM and the same error was displayed. 
The next day I saw that the {$1000.00} charge was on my account and lodged a complaint with Ally Bank. 

On XX/XX/XXXX, Ally informed me that 'The merchant provided documentation that shows the transaction was authorized ' and that they were not refunding the {$1000.00} ( {$1000.00} with bank fee ).
Product: Credit reporting or other personal consumer reports

Per 15 USC 1681 B I am requesting XXXX, Equifax, and XXXX to show proof of transactions on my XXXX  and XXXX accounts that I was ever late. I previously disputed and requested them to validate the inaccuracy of information reporting on my account and they have failed to do so.
Product: Mortgage

There has been no response from Seterus since XXXX/XXXX/XXXX XXXX XXXX. to my answer concerning missing documents. 
I officially began this journey for a loan modification XX/XX/XXXX, that is XXXX months ago. XXXX, XXXX, and now Seterus have followed the same script that must have been developed by XXXX. Lost documents, bogus loan modification offers, numerous requests for new loan modification applications ( XXXX by Seterus in 10 months ), input of incorrect figures to produce negative NPV statements, just to name a few, the list is extensive. I have XXXX large XXXX ring binders with documented behaviors. It is apparent that they have no fear of the behaviors listed in the enclosed document datedXX/XX/XXXX posted by CFPD. 

My question today is how are XXXX, XXXX and Seterus allowed to ignore the agreements they signed with Dept. of Treasury. Given the Stabilization Act of XX/XX/XXXX and the accompanying Home Affordable Modification Program Guidelines issued XX/XX/XXXX by Dept. of Treasury, the CFP Bureau should be able to bring pressure to resolve the continued bad behavior towards borrowers asking for loan modifications. 

I have enclosed a NPV statement in accordance Modification Program Guidelines also I am uploading the latest set of documents sent by mail to Seterus for your consideration. 
Request for loan modification documents dated XX/XX/XXXXSeterus denial documents dated XX/XX/XXXX received my me XX/XX/XXXXLetter from me disputing their denialAll documents listed below are available thru XXXX search. 

XX/XX/XXXXCFPB Rules Establish Strong Protections for Homeowners Facing ForeclosureNew Rules Prevent Servicer Surprises and Runarounds for Mortgage Borrowers1 -- EMERGENCY ECONOMIC STABILIZATION ACT OF XX/XX/XXXX2 -- FINANCIAL AGENCY AGREEMENT for a HOME OWNERSHIP PRESERVATION PROGRAM under the EMERGENCY ECONOMIC STABILIZATION ACT OF XX/XX/XXXX with Fannie Mae entered into with Dept. ofTreasury, XXXX/XXXX/XXXX. 

3 -- Home Affordable Modification Program Guidelines issued XX/XX/XXXX byDept. of Treasury. Pay particular attention to the portions as it relates to NPV, pages XXXX and XXXX, also Net Present Value Model Parameters on page XXXX. 

4 -- Copy of NPV evaluation results derived from data extracted from loan modification denial on XXXX/XXXX/XXXX by XXXX XXXX. XXXX pagesSincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I previously filed a dispute with Equifax. After resubmitting several requests for dispute, it was resolved. On Friday, XX/XX/2024, I contacted Equifax to send an updated report to a creditor who has received my report in the last six months per the information stated in the Investigation Result report. The specific language in the investigation result report states : - If there has been a change to your credit report as a result of our investigation, or if you have added a statement to your report, you may ask Equifax to send an updated credit report to those who have received your report within the last 2 years for employment purposes or within the last 6 months ( or 1 year, where applicable ) for any other purpose. ( see highlighted words on pg XXXX the attached documentation ). The representative advised me Equifax does not send creditors reports, and the creditor must request on their end. I read the statement to the representative twice. I asked why is this statement on added to the investigation result report if Equifax does not send an updated report. The representative repeated the same information like a robot. I am beyond aggravated and disgusted with the amount of complaints I have submitted, and the credit bureaus lack of investigation skills to handle disputes.
Product: Debt collection

Since XX/XX/2017, I told my auto loan company that I have had some medical problems and was not able to work anymore. I kept getting repeated phone calls. I have requested for lower payments also forgiveness for at least a year until I could get back to work. I would get constant calls from a dept collector asking for the full amount of money. No matter how many time I asked to talk to their manager to see what other options I have, I never received a call or any type of letter in the mail. The only letter I received in the mail was from debt collector asking for full payment. They also said in the letter that there would be judgments out against me if I dont send them the full payment of {$11000.00}. 
Like I said I have tried multiple times to talk to management to find out what other options I had. 

XXXX XXXX , XXXX  was involved along with XXXX XXXX XXXX  XXXX.
Product: Checking or savings account

Last year I set up overdraft for my checking account. They set it up in reverse to protect my savings instead, not As I instructed. Yesterday they returned a electric bill payment. When I asked them about it they told I never had it set up for checking, it was the other way around. I remember clearly when opening the savings account I added the overdraft protection for the checking. Now they are going to charge me a return fee and the electric company will charge a return fee. USAA said that they could look in to it, and might be able to reverse the fee, but because of their mistake Im out of pocket for the fees and have a late payment on my credit score. I feel cheated!
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Transunion will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX  Account Number XXXX
Product: Checking or savings account

Navy Federal Credit union. 

I have a checking account with them, I deposited a check that was endorsed to me and signed by XXXX XXXX in XXXXXXXX XXXX XXXX. The check cleared and the funds are in the checking account. The funds are still not being made available after all this time. The bank requested verification documents from me, I sent in my ID and that was fine, I am unable to get a hold of the XXXX XXXX. The check was put into my account by them though and none of this was said before they did this. I get regular emails stating my account balance with them is {$7700.00} and I am being paid interest on this balance. The time the bank should be able to hold these funds has expired and they refuse to do so. I asked about closing my account getting the account balance they said that was impossible as well. I want the bank to release my money since enough time has passed. I have also illegitimately been denied access to my funds this entire time by this illegitimate unfounded concern. 

I would like the bank to unfreeze my checking account so I can access the funds in it that I'm collecting interest on, and possibly be compensated for being denied access to my funds all this time period.
Product: Student loan

My loans are part of the Income-Driven Repayment plan. I received confirmation that my renewal for this plan was approved on XX/XX/XXXX. I could not get information of what the required payment actually would be until XX/XX/XXXX. There is no reason that information could not be made available sooner to help plan for increased payments. My monthly payment increases by {$230.00} and is due XX/XX/XXXX. That is a 50  % increase to adjust for within one payment cycle. It is very difficult to replan finances in that high amount within 4 weeks and is very frustrating knowing that information could have been made available when Navient knew it months prior but withheld.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ; XXXX XXXX Balance : {$10000.00} ; XXXX XXXXXXXX Balance : {$290.00} ; XXXX XXXX XXXX XXXX XXXX XXXX