23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage contract permits me to pay in advance without penalty. The contract does not limit how far in advance I may pay. I stay paid in advance ( presently six months in advance ) and most often also include extra principal payment each month. 
Nationstar Mortgage has been informing me that I may pay no more than six months in advance. I have repeatedly asked them where in my contract it limits me to paying no more than six months in advance and they refuse to tell me. They always respond that they are sending my request to a research team as my inquiry is complex and I will hear in 7 to 10 days .... yet I never get a response. This month I notified Nationstar that as they can not point out where in my contract it states I may pay no more than six months in advance, and as my contract allows me to pay in advance, that I would be submitting an additional payment to pay seven months in advance and that it should be applied as such. 
On XXXX XXXX, XXXX I paid my mortgage for XXXX XXXX, XXXX and included an additional {$150.00} towards the principal. My next payment should therefore be due in XXXX XXXX. XXXX. However, Nationstar failed to apply the payment toward my due date of XXXX XXXX, XXXX ... and instead on applying the payment properly, left my next due date as XXXX XXXX, XXXX and applied the entire payment merely towards principal with no credit as an advanced monthly payment. 
I contacted Nationstar and asked that this be corrected and that my next due date be listed as XXXX XXXX. XXXX. Nationstar refuses by stating that allowing me to pay more than XXXX months in advance XXXX cause my account to fall into default. This is an asinine and nonsensical reply. 
My contract plainly states that I may make advance payments without penalty. I have repeatedly asked Nationstar where in my contract it limits these advance payments to no more than XXXX months and they have never been able to respond. 
I ask that my XXXX XXXX, XXXX payment be applied towards the XXXX XXXX, XXXX payment due date plus the extra {$150.00} towards principal and that my next mortgage due date be corrected to read XXXX XXXX, XXXX. I also ask that all future advance payments be applied correctly as I intend to have my mortgage paid at least one year in advance, and more if I am able.
Product: Debt collection

Debt was paid however it was never removed as agreed, account is still showing it 's in the collections process. Even after validation of debt was never received. I 've requested the information before. I would like a signed contract, showing proof of original date of service, date of delinquency and service address not an account statement. A statement does not prove who opened the account. Account seems to keep re reporting and being re aged instead of having been removed for several violations. Company stated prior that debt does not have to be validated.
Product: Debt collection

I have received several letters and phone calls in the past, but they were never able to verify the debt belonged to me. I recently pulled up a copy of my credit report and it still remains on my report. If there is no verification and the information that they asked in the past does n't match, then this line item from my credit report needs to be removed promptly Central Finl Control
Product: Credit reporting 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 1681i 5 account name XXXX XXXX XXXX XXXX  Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Debt collection

I have asked numerous times to get a letter in writing about the account in collections. They state they will not  send one until money is paid upfront. I want this closed but will not pay anoyone without proper notification. They call 3 to4 times a d ay and continue to refuse written account information. They state one was mailed however this can not be true based on their continued refusal to mail me anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, A - L FINANCIAL add a derogatory mark on my credit report per XXXX. upon further research, this account was transferred/sold and i am no longer responsible for the account. debtor creditor did not verify this collection. also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA A - L FINANCIAL has violated my rights as a consumer and i'm requesting legal action to remove this account immediately
Product: Credit card or prepaid card

I have an american express bluebird prepaid card that I have part of my paycheck deposited and use for ordering specifically online. I have called repeatedly since Saturday XX/XX/2020 regarding an unauthorized charge of {$45.00} Transaction ID XXXX - " store purchase XXXX New Mem # XXXX XXXX {$45.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX 
I didn't make this charge. i have an existing membership with XXXX 's that is not due until end of the summer and my fee is {$100.00} for the plus account. THIS WAS NOT MADE BY ME AND I WANT MY MONEY BACK, PLEASE!! 
when you call the XXXX it immediately disconnects after this announcement OR it will tell you to hold to be transferred then says " you have reached a non working number '' then disconnects. I called the NY office and was advised by the receptionist that there was a long hold for the customer service number they had been having trouble. i told her it wasnt a long hold time, it just disconnected, she advised there was no one to speak to or a working number. I need my account fixed. I am afraid to go online and cancel the card due to i want my refund for the {$45.00} purchase that i didn't make. can you help me? XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX and my master card says fiserve4 hasn't been pushing my info to the credit beuros for atleast XXXX XXXX maybe more. which mean i have no credit to speak of. i have paid off my house my car and all my bills for XXXX XXXX. my credit should be top notch. but fiserve dropped the ball and i can get no XXXX XXXX from the XXXX agancies and or loans form lowes or others. i need my XXXX XXXX put bakc to its high ranking. than k you
Product: Mortgage

I am unable to pay through their online account system because they claim my account is past due. My account is allegedly past due because they didn't send their " welcome '' packet in time to make a payment. We actually attempted to make the payment when Fay Servicing took over and they didn't let us because the account hadn't officially been transferred my the normal payment date. They will not call me back and I'm growing increasingly concerned they're making it difficult to pay in order to put people further into debt. 

They also have failed to send me a W9 form in their " welcome packet '' but threaten me with fines for not turning it into the IRS. I have multiple properties and have never experienced this treatment. 

Their online portal also does not state how much I have in escrow. This is concerning because my loan was serviced by a different company and was transferred to this one so I'm unsure if they collected the correct amount.
Product: Credit card

I closed my Barclay 's Bank XXXX in XXXX of XXXX. In XXXX XXXX they permitted a recurring charge to post to this closed account. I have refused to pay the charged amount on the simple premise that the day I closed the account was the day I no longer was in agreement with the terms of service. Since I am no longer in agreement with the term of service, I am under no obligation to pay a change that was permitted to post 6 months after account closure. Barclay 's failure to rectify their mistake has now escalated to the credit reporting agencies and is impacting my previously pristine credit rating.
Product: Debt collection

Pinnacle Credit Services is refusing to verify the account. I was sent that the dispute was " Frivolous '' and they do not have to respond to the credit dispute that was sent. Upon calling the company another company named XXXX has the account. Pinnacle reports to the Bureau and diversified handles the account. 
I tried to do a " Pay for Delete '' offer and XXXX will not address the offer by saying they just show the account " paid '' and do not report to the agencies. Pinnacle does the reporting to the Credit Bureau. 
I tried calling Pinnacle Back and they keep transferring me to XXXX by saying they only have the creditor name and my name for the account. 
XXXX is not verifying or addressing my debt and will not let me remove this debt from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America charged off and reporting late payment after charged off. This is a violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

RPM account has violated my right under FCRA. This account is now in civil litigation to violation of my rights by FCRA. Right violated includes, but not limited to, Defamation, financial injury US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan. Also FCRA Section 623 and FCRA Section 604 ( A ) ( 3 ). Protection under the FDCPA was violated Gearing v. Check Brokerage CorpCacace v. Lucas, 775 F. Supp. 502, 505 ( D. Conn. 1990 ). Under these violations company must remove all information on  report until civil litigation is complete.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  Inquiry on XX/XX/XXXX and XX/XX/XXXX I dont recognize this company and this was done without my permission/consent. 

Barclays Bank XX/XX/XXXX I dont recognize this company and this was done without my permission/consent. 

XXXX XXXX XX/XX/XXXX I dont recognize this company and this was done without my permission/consent.
Product: Credit card

On XX/XX/XXXX at XXXX XXXX  I was sent a text from Citi 's fraud department that {$81.00} was attempted to be charged from XXXX. I responded to the text at XXXX AM stating I did not recognize the charge. The account was closed that day and a new card was issued. After further investigation, XXXX separate charges from XXXX were charged for the same amount {$81.00} XXXX for a total of {$240.00}. Citi then issued me a credit for those XXXX charges. 

In early XX/XX/XXXX Citi then stated that there was no evidence of fraud and the credits were reversed. I then called the fraud department and again we verified that neither my my nor myself made that charge. We were both sleeping at the time of the charge. The department stated that they used the correct billing address, which is a moot point as XXXX issues virtual tickets. After further discussion with them they stated a XXXX XXXX was used to make the purchase ; in our household we have XXXX XXXX and XXXX  and no XXXX  computers. Finally the e-mail address that the tickets were sent to were unrecognized by us. 

Citi then did further investigation and then today XX/XX/XXXX they state that the dispute is resolved and the credit is reversed, even though their fraud department is the one that alerted me to the fraud, I reported the fraud, closed my card, and got a new card.
Product: Mortgage

Application process for a mortgage refinancing began on XX/XX/XXXX, it took 22 weeks for the mortgage company Quicken Loans, Rocket Mortgage, made an adverse decision. The application process featured these errors : 1. Quicken lost key documents between transfer from the mortgage banker, to the technical team. All key documents were received by XXXX. Property tax documents were filed on XX/XX/XXXX. Mortgage banker XXXX XXXX. 
2. Because in the hand-off they lost key documents on retirement income they tried in XXXX to qualify loan based on rental income ; this led to a request to refile a tax return to restate some expenses tied to a rental property. Technical team leader XXXX XXXX. 
3. The technical team was advised that one of the rental properties operated at a loss, yet they said that if a tax expense was re-categorized as a management expense they could qualify the loan. They were advised that the refiled return would not change the profit/loss bottom line, or tax payable. They reviewed and approved the tax refiling. The IRS approved the filing in XXXX. Around first of XXXX, Quicken reversed its decision and concluded tax refiling was not relevant. XXXX XXXX 4. Mortgage banker ( XXXX ) realizes that pension income material had been lost and starts a new loan process and determines that pension income, plus interest income and other rental income still qualifies for underwriting. New technical team leader XXXX XXXX. 
5. XXXX, XXXX concludes that rental income can't be qualified because of " too many property tax bills '' violates a XXXX/XXXX  rule on 12 properties maximum tied to rental income. The company had the property tax information since XX/XX/XXXX. It took the company five months to figure out this technical rule problem. The company documented itself incapable of accurately reviewing information from the original loan process, in spite of assurances that could be successfully done. A number of items had to be refiled. 
5. XXXX, in an appeal XXXX XXXX ( in an ombudsman 's role ) concludes underwriting may have misunderstood the property tax information or there may be a rule exemption tied to commercial property. The basic issue is that Iowa farm land ( organized as three farms in three different counties ) includes 13 property tax bills. In this entire process, the firm relied on property tax bills, when other farm contract information documented only three farm rental contracts. 
6. On around XXXX XXXX XXXX XXXX concluded that, despite sale of one tract of land, that the rental properties still exceeded the rule amount by ONE. Again based solely on property tax information rather than farm management information ; or legal property abstracts. Loan denied due to this qualification matter. Company was advised that they same material was available five months prior and that a five month wait for a decision was ridiculous. Client has asked for reimbursement for interest expenses tied to absurd 22 week loan timeline.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX  I had gone to an atm I withdrew XXXX XXXX XXXX realized I needed more so I went back to atm withdrew another XXXX XXXX the money was taken from my account but I never received it so I called the bank and explained they told me it could be ten days to investigate filed dispute on the XXXX  called every day to check dispute with no info then I was told they investigated the wrong atm withdrawals and ithey would have to file a new dispute even though I gave them the right info its been eighteen days Im still with out my money and they still havent credit me back
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XX/XX/XXXX
Product: Student loan

Dear Sirs, My account with student loans XXXX has been mismanaged. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt, my loans will not be cancelled. Moreover, the current servicer is now charging interest on these loans which should be in forbearance. 

My loans have been passed from XXXX XXXX XXXX XXXX XXXX to Mohela to another servicer just a month ago. I am XXXX XXXX XXXX and only receive {$1400.00}. Monthly in retirement. My loans have been passed around in order to confuse me. I was told I should put them in forbearance and that never counted toward PSLF, but my pay was too low to pay the debt just the same. 

Can you take a look at the account this month? I wonder why interest is being added now. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

Ordered a service for a move in XXXX of 2020 which was incomplete. When I explained to the credit card company, they filed a " temporary reimbursement '' then confirmed the merchant shouldn't be allowed to rebill me as I'd provided sufficient evidence. I later received from the credit card company, documents I'd had never been provided by the merchant " XXXX XXXX XXXX XXXX XXXX MN '' claiming I signed additional documents approving an incomplete service. I clarified with the merchant whom didn't bother to come back to finish the service when called or lay down floor protectant ( leaving additional costs to me ) there were additional and inapplicable charges as well as missing items ( owner said, maybe it got lost on another shipment ) the company never fixed or replaced. They also didn't unbox and put everything away as agreed much like leaving with plenty of truck space and not returning to clear out the garage. 
Chase requested new documents every time and even after sending photographic evidence of the cleaners I needed to hire, the refusal of the business owner and corporate to provide insurance information to fix my damaged belongings, the empty promise the owner of the moving company " would fix it personally or deliver it himself '' and pay for the four trips back, they allowed the merchant to rebill. When I asked them why they would do such a thing Chase replied " we can't control the merchant ''. 
Ultimately I paid > {$5000.00} when I was informed the maximum cost by the personnel giving the quite would be {$3500.00} yet was charged for a partially empty truck bed and unloaded at the wrong address outside ( also charged for ) and never assisted to unpack and charged for as well. I asked Chase to contact their insurance company as I even filed a police report due to the movers stealing items and they still allowed the charges to remain. I requested my copies of the repeat filings they asked for from me and verbatim a staff member said " it's probably time to hire an attorney '' when accepting the moving company was allowed to submit forged documents and Chase accepted them.
Product: Credit reporting or other personal consumer reports

Affirm reported to my credit report that i have 9 different accounts that belonged to me. The accounts belonged to my son which has the same name and address as me. The company investigated and concluded that the 9 accounts was mine and refused to remove from my credit report. The accounts belong to my son with different social security number and birth date which apparently do not utilize this information. They continue to report negative information on my credit report. I spoke with their fraud department and the employees barely spoke English language. They would not release any details other they they closed the investigation and confirmed the accounts belong to me.
Product: Credit card or prepaid card

I am responding to your letter regarding the unauthorized use on my credit card from XXXX XXXX. I have contacted XXXX XXXX on multiple occasions and have only been informed that an order was created on XX/XX/XXXX @ XXXX that contained e gift cards. On multiple calls, the representatives indicated that e gift cards are sent out systematically 2-4 hours after purchase. They could only see the email address on file, but could not confirm the email delivery address. Two representatives even informed me that the original email was not sent out as the order contained a ship to store item. XXXX XXXX did agree to resend a new email on XX/XX/XXXX with the e gift cards and XXXX was able to confirm they were already redeemed by another user account. I absolutely did not benefit from this transaction as you indicated in response to me. I am demanding that this {$100.00} charge to my account be removed as I did not make, authorize or receive anything from XXXX XXXX. My understanding is that there is a 100 % guarantee of assurance that unauthorized charges made on account would not be my responsibility. I have reported this to my local authorities and have enclosed the police report. I hope that XXXX XXXX, Chase and the local authorities can identify who benefitted from this transaction, as XXXX has the information but is unable to release the information to me. I am available to discuss any details regarding this case as I do not want to continue to be the victim.
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. 

Account Name : XXXX, Account Number # XXXX, Account Name : XXXX XXXX  I, 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.

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 reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.
Product: Credit card

Discover reduced my credit limit by {$1000.00} as soon as I paid the balance down {$1000.00}. This despite having an excellent payment history with them.