23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In early XX/XX/2023, NewRez, LLC purchased my mortgage from XXXX XXXX XXXX. At the same time, I changed my home insurance provider from XXXX ( XXXX ) to XXXX XXXX. NewRez was notified of this change but failed to update their records. Consequently, they did not make the insurance premium payment to XXXX. 

My insurance agent, XXXX XXXX, reached out to NewRez multiple times in XXXX and was assured that the payment to XXXX would be made on time. However, the payment was never made. On XX/XX/XXXX, XXXX and I contacted NewRez in a three-way call, informing them that they needed to make an overnight payment to XXXX to prevent the insurance policy from lapsing. NewRez agreed and apologized for their mistake. When XXXX inquired why this happened, they explained that they were too busy due to their recent loan acquisitions. 

It is now XX/XX/XXXX, and XXXX has not received the " overnight payment. '' XXXX contacted NewRez and received a check confirmation number : XXXX, and was informed that the payment had been made. However, when I contacted NewRez separately, I was told that an ACH payment had been made with the reference number XXXX. XXXX XXXX says that NO PAYMENT has been received. 

Today, I paid the insurance premium myself since the policy had been canceled. My payment, made via credit card for {$1500.00} ( confirmation number : XXXX ), reinstated my home insurance policy. NewRez now owes me a refund and a very heartfelt apology. 

NewRez loan number : XXXX Grange Insurance Policy number : XXXX My insurance agent is XXXX XXXX at XXXX XXXX ( phone : XXXX ).
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy on my credit report, and noticed i had a fraudulents accounts on my report, please remove these accounts from my report, they are hurting my ability to obtain credit. Thanks you.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX I am an XXXX XXXX XXXX XXXX veteran.I was racially profiled by apple at Goldman each.I had a my Apple Cash locked without being given any reason after it being compromised by fraudulent transactions and apple decided to discriminate me instead of helping and giving a reason then they permanently locked my Apple Cash and restricted my Apple Card permanently. I demand retribution in court or a valid reason for this inexplicable discrimination.
Product: Student loan

I have XXXX loans ( we 'll call them the " XXXX '' and " XXXX '' loans ) with Sallie Mae currently- they 're under the same account, but for XXXX different school years. The XXXX loans have their own cosigners, XXXX who have been making monthly payments on their respective loans. We do not use Sallie Mae 's automatic Bill Pay option, as the cosigners would rather have control of the flow of payments through their own banks. 

Over the past several months, whenever a check was sent to Sallie Mae to pay for the XXXX loan, it was always allocated to the XXXX loan, instead. As a result, my XXXX cosigner and I were notified that a payment was overdue. I 've called them many times over the past months to reallocate these payments, and it would take days for the changes to take effect. Often in the meantime, it meant that a late fee would be charged to the account, never mind that the payment had actually been received. 

In late XXXX, I had come to find out this had happened again when Sallie Mae was asking for the upcoming XXXX payment. I called Sallie Mae to figure out what was going on and reassign payments ( again! ). I had then found out that the XXXX loan has an overflow account- money that was sent to pay for the XXXX loan that has exceeded the scheduled payments due. I then asked that enough money be taken out of the overflow account to pay for any outstanding payments ( XXXX and XXXX payments ) for the XXXX loan, and I was told it would be done. 

Two weeks later, I was still receiving notices of overdue payments. Calling them back ( AGAIN! ), I 'd found out that the " work order did n't go through '' - they could n't tell me why. I asked them to start over, once again taking enough money out of the XXXX overflow account to pay for any outstanding payments XXXX XXXX and XXXX payments ) for the XXXX loan, and they said they would do it. For the next ten days, the balance due on the XXXX loan kept fluctuating- I was told this was to be expected because of the work order. 

I have just finished looking at my loan summary on Sallie Mae 's website ( it is now the beginning of XXXX ), and have been told that, alongside the payment due for XXXX, there is still (!? ) a past due amount on the XXXX loan- and I have once again been charged a late fee. 

I do n't understand what 's going on with this loan anymore. Over the past several months, every time I 've called, each representative gave me different answers to the same questions. I 'm pretty sure at one point, a supervisor outright lied to me about the details of my account ( a representative 's description of my account did not match the supervisor 's, despite them reading the same notes left on my account ). I am still in school, in a very work-intensive program, and do not have the time nor energy to keep playing this game with Sallie Mae. Goodness knows how this affects my credit score, or the credit scores of my cosigners! This has gotten beyond ridiculous.
Product: Vehicle loan or lease

I refinanced with capital one auto XXXX of XXXX. I gave them all required documents documents even had an attorney help me to get a paper notirized by my ex husband. I refinanced so I could remove him off the registration and so I could sell my vehicle. It has now been 8 months and they are saying they have not received the title from the previous lienholder which was XXXX XXXX. After talking to XXXX they told me they released that electronically the week I refinanced. I have called every mo th and week and I still get the same answer and run around. I called them today XX/XX/XXXX for them to tell me they tried to get a hold of previous lien holder and had no luck. In the meantime I went to the dmv and they said that ally bank is listed as my lienholder. Meanwhile I am paying capital one for my auto loan but they have not given a new title to the dmv. I can not trade in my car or sell it since my ex husband is still on the registration. There is no Manger to talk to and they just keep putting in emails saying I will get a call back and never do. Capital one says they don't except electronic titles but there is nothing I can do. I just read under consumer report that many other people were experiencing the same frustration with them saying they don't have the title. Some people have been going through this over a year.
Product: Credit card

On XX/XX/2024, I sent an adverse action letter certified mail to AMERICAN EXPRESS BANK, they received it on XX/XX/2024 & I got the return receipt on XX/XX/2024. I then recieved a response, dated XX/XX/2024 further denying my request and they have misused my credit. I informed them that I, the consumer & natural person, was denied credit by AMERICAN EXPRESS NATIONALBANK when I applied for the Platinum Card. 

Adverse action against the consumer is AGAINST the law according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c & is pursuant to civil liability under 15 U.S.C 1692k You are subject to criminal liabilityfor violating 15 U.S.C 1691 as I have proof that I was discriminated against by AMERICAN EXPRESS NATIONAL BANK due to the response I received. AMERICAN EXPRESS NATIONAL BANK is in violation of 15 U.S.C 1642, U.S.C 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith but credit was not issued. Furthermore, because my social security number ( credit card ) was used & I received NO benefit.
Product: Debt collection

I reviewed my credit report I discovered Affirm Inc, is on my credit report According to 15 U.S.C. 1681b I have never given permission to furnish these accounts to my credit report my right are being violated according to FCRA
Product: Debt collection

Credit Collection Services continues to furnish information on credit file. During the time of service, I was XXXX.
Product: Debt collection

After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the XXXX. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. 
Below are the errors I have identified : XXXX/DOFED XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history
Product: Debt or credit management

On XX/XX/1924, I signed an agreement with DMB Financial who promised to negotiate my outstanding balances with my creditors for a single monthly payment which I have complied with since day one. 
After I signed the documents, they sent me a form that said that I had to tell my clients when they called me, " that I was going through a bad time and that I was trying not to declare bankruptcy, '' but that is not true, I had to tell the truth that I had signed an agreement with them and that from now on, they would be in charge of handling things, in other words, they were sending me to lie.

Ten months later they have only been able to negotiate one of my accounts and for the others, they are sending me messages and calling me constantly and one of them is even sending me to legal. 
I have tried to cancel my agreement because they are not complying, because they say they do not have money to pay my bills and that they are taking my monthly payments to accumulate enough to be able to pay the creditors who agree. But how can they do that if I signed for 48 installments and how are the creditors going to wait all this time to close the case? Please help me
Product: Debt collection

I never had a XXXX phone. I cant afford XXXX XXXX.XX/XX/XXXX they put on my credit report XXXX is all i see for acct number. I need this removed its destroying my life and they said i must pay to delete it even if its not mines or it will ruin to credit. I told them i would call ftc they said so. I dont know what to do.
Product: Mortgage

I started a refinance with Amerisave on XX/XX/2021. I went through signed all the required documents with one of there lending Agents. the next day ( XX/XX/2021 ) I sent them all the requested documents including, but limited to paystubs, W2, bank accounts. Since then the lenders has continuely asked for every single item multiple times again even though they already had the documents, stretching out the closing well past. They have questioned everything including whether I owned the property or not even though they accessed my current mortgage and sent back to me how many payments I had remaining. I Paid off an HELOC account I had on the property and after questioned if it was for the property even though the statement I sent there clearly had the property address on it. and they harassed me and the lender about the HELOC even though I had sent them statements showing that not only was it paid off, I was owed money. I called that lender multiple time they even noted the account about the issue.This harassment was so bad one of their agents stating that that lender is ignoring them and asked if I have another contact for them. They have asked me to submit every document at least twice. I had to repeated tell them that I don't have an HOA, condo XXXX, it's not a PUD and they keep asking again and again. meanwhile over the same 6 week period, one of their agents keeps calling me every 3 to 5 days telling me they have everything and I should receive a closing date soon. I have even received a request while I was on a call from her. At this point I believe they are purposing delaying the approval so that they don't have to payout as much on closing or that I get fed up and cancel the loan.
Product: Checking or savings account

{$300.00} Bonus Offer Breach of Contract Outlined : ( Mailed Offer for New Customers ) Bank of America Customer- ( My name ) New Account Opening Date XX/XX/19 Met All Requirements XX/XX/19 Per offer : {$300.00} Bonus should have been deposited within 60 days of account opening
Product: Credit reporting, credit repair services, or other personal consumer reports

hi i have a credit score dicline.creditkarma.company.scorenegative
Product: Credit card

My account was locked which meant nothing can go in and nothing can go out but there was a deposit made into the account when it was locked
Product: Money transfer, virtual currency, or money service

PayPal closed my account and is holding my money for 180 days for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be, since I have only ever had one dispute on there. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Product: Debt collection

Navient is repeatedly calling my employer, past employers, extended family, friends, acquaintances, and friends of extended family revealing the status of my loan and my private information to numerous parties each day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled/paid the ATTACHED account with XXXX XXXX XXXX XXXX ( XXXX  ). Some months ago, I disputed this account, to verify all account information, with Equifax Credit Reporting Agency. I have not received the results of this dispute..In fact, it still shows in COMMENTS, " CONSUMER DISPUTES THIS ACCOUNT INFORMATION ''. Because of this COMMENT, I am blocked from disputing it again directly through Equifax.
Product: Credit reporting or other personal consumer reports

I have sent the copy of my social Secuity number and driver 's license multiple times along with a cover letter and have called them multiple times with no resolution in site,,
Product: Debt collection

I am submitting another complaint in response to false and misleading statements made by Portfolio Recovery Associates ( PRA ) in CFPB complaint # XXXX on XX/XX/2021. On XX/XX/2021 PRA responded and had stated they did not use " false and misleading means '' in regard to my address. I have attached copies of the envelopes they sent with the wrong addresses and the dates they were sent. Clearly a violation of the FDCPA. PRA also stated that they did not receive any correspondence from me which is also false. I also attached Certified mail receipts along with green receipts with signatures stating they were received multiple times. PRA also stated they notified credit reporting agencies that the debt was disputed but the debt remained on all three credit reporting agencies and is still reported which is a violation of FCRA 15 USC 1681a ( e ) PRA can not report any factual information. I did receive a response back from PRA on XX/XX/2021 stating PRA did an " investigation '' and sent documents to try and established the debt was valid but failed to provide the information that I had requested. According to 15 USC1681a ( e ) an investigation is interviews with friends and family of the consumer. AS of today PRA has not interviewed any of my friends of family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Lexus Nexus 3 times, spent a lot of time talking to them, and the latest attempt at a phone call resulted in only automated phone purgatory, no agent. I have talked to my insurance agent, and also the insurance company XXXX twice. Again, no one can identify nor resolve the issue. 
The issue is XXXX raised my insurance rates based in part on a credit report from XXXX XXXX. The report sent to me by Lexus Nexus only lists about 20 years of property assessments. They claim XXXX did not request a report. No one at either business can tell me what is in the report that is negative. There should be nothing negative as I owe no loan nor credit card balances, have not made any late payments and have a credit score in the 800 's. I am frustrated having wasted so much time to accomplish nothing with these two companies.
Product: Debt collection

o/a XX/XX/2022 I contacted XXXXXXXX XXXX about some unusual fees and charges on my account and informed them i was disputing those. I never heard from them until I received a letter indicating that my account was transferred to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX  I received a letter from that firm XXXX XX/XX/2022 indicating that they are trying to collect a debit from XXXX XXXX. I returned the bottom portion of that letter to that firm indicating I was disputing the debit. This firm never sent anything in regards to the debit until I was served with a Summons from the law firm ; this firm has followed proper billing dispute procedures under federal guidelines.
Product: Credit reporting or other personal consumer reports

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? I understand that you probably are getting thousands of this type of letter every day and may find it hard or impossible to work on them all. So, I am giving you another chance to do what is right. You are in VIOLATION of my rights as a consumer as clearly stated in Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), that you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. And so, I request to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or removed immediately. XXXX XXXX Late Payment {$920.00} XXXX XXXX Late Payment {$0.00} XXXX XXXX Late Payment {$75.00} XXXX XXXX Late Payment {$0.00} XXXX XXXX Late Payment {$0.00} XXXX XXXX XXXX Late Payment {$0.00} XXXX XXXX Late Payment {$520.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Collection {$78.00} XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Collection {$310.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Collection {$11000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Collection {$730.00} XXXX XXXX XXXX Charge-off {$630.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to submit disputes to Equifax, for the ones I have submitted successfully, I am unable to view the results because their website has been down for over 6 months. they are unable or unwilling to send me the copy of my dispute results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested an investigation with Transunion into the accounts listed below. After getting a response from TransUnion that the accounts were " verified '', I requested a method of verification and did not receive a response. 

Accounts in question : XXXX XXXX  {$1000.00} Account # XXXX XXXX XXXX {$610.00} Account # XXXX XXXX XXXX {$540.00} Account # XXXX XXXX XXXX XXXX {$44.00} Account # XXXX XXXX XXXX {$530.00} Account # XXXX XXXX XXXX {$390.00} Account # XXXX XXXX XXXX {$530.00} Account # XXXX I look forward to getting this issue resolved asap. 

Regards, XXXX XXXX
Product: Debt collection

I was told to fill out forms for fraud, yet they werent fully submitted by the representative at the time. Ive re filled out the forms and re-submitted them with a notary and police report of the incident and its still reflecting on my credit report.
Product: Debt collection

On XX/XX/2022 A company opened for the two amount of {$1500.00} - {$1000.00} a collection I never signed a document They are violating my rights of the FCRA as a consumer saying that I owe this debt to the collector I dont know who they are and have not written consent from my end Also they have not verified that I owe this debt to this alleged company Please have this removed from all three credit bureaus XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Several online disputes have been sent to Equifax directly through their site as well as the CFPB portal. These disputes have included the FTC report, a copy of my DL and lease. Yet, Equifax has repeatedly refuse to remove the once deleted XXXX XXXX XXXX account from my credit report. Additionally, they report that the fraudulent account has been verified by the data furnisher but have failed to provide me with such proof as required per FCRA regulations. Therefore, I am demanding to have this account removed from my credit report because it is a direct violation of my consumer rights to list fraudulent information on my credit report. PLEASE DELETE IMMEDIATELY!
Product: Student loan

I applied for XXXX through the gov website. The application has been sitting in Mohela 's queue unprocessed for almost XXXX months now. I have sent XXXX messages XXXX and XX/XX/24 through their website asking them to get on with processing it only to get useless canned responses and no action.
Product: Credit reporting or other personal consumer reports

Under reviewing my Consumer Reports, I discover some instances of late payments on my account for which i have always maintained timely payment. I just recently looked at my credit report and noticed that some accounts have late payments during Covid-19. However i talked to these creditors below and i should not have any missed payments. Account Name : XXXX  XXXX Account Number : XXXX These issues align with the violations detailed in the CFPBs lawsuit against Experian, including inadequate investigations and improper reinsertion of inaccurate information. These errors have caused significant harm to my financial well-being. Reinvestigate and update payment on XX/XX/XXXX to on time. Delete 30 days late from credit report due to violation of 15 USC 1681s-2 ( F ) Reinvestigate and update payment on XX/XX/XXXX to on time. Delete 60 days late from credit report due to violation of 15 USC 1681s-2 ( F ) Reinvestigate and update payment on XX/XX/XXXX to on time. Delete 30 days late from credit report due to violation of 15 USC 1681s-2 ( F ) ..1. Failure to Conduct Proper Investigations : Experian failed to perform meaningful investigations as required by the FCRA, instead relying on uncritical acceptance of furnishers responses. I demand the immediate removal of these late payments of my account and request : 1. A full investigation report for each disputed account, including verification methods and furnisher contact information. 2. Written confirmation of permanent removal of these late payments accounts. 3. An updated credit report reflecting these corrections. Failure to address this promptly will compel me to file complaints with the CFPB, FTC, and state attorney general. Please respond in writing within 30 days, as required by the FCRA. Sincerely, XXXX XXXX