23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/XXXX TO : THE CONSUMER FINANCIAL PROTECTION BUREAU What is the complaint about? Nationstar Mortgage Fraudulent Activities/Harassment What type of problem are you having? Fraud, Harassment What Company is involved? NATIONSTAR MORTGAGE Who are the people involved? I act on my mothers behalf and was granted power of attorney. My mom, who is XXXX, was diagnosed with XXXX. What Happened? On XX/XX/XXXX my mother received a letter from XXXX XXXX, Chapter XXXX Trustee informing her the Chapter XXXX Plan was in the closing process and from this date forward to make mortgage payments to Nationstar Mortgage, LLC in the amount of {$1100.00}. Nationstar was ccd and received a copy of the letter. Since XX/XX/XXXX to present, payments in the amount of {$1100.00} have been made to Nationstar. On XX/XX/XXXX, we received notice from our attorneys the Chapter XXXX plan was discharged. On XX/XX/XXXX, we received a letter from Nationstar stating the account is delinquent and listed the default date as XX/XX/XXXX. Nationstar alleges the account became delinquent prior to the XX/XX/XXXX, discharge date. They are making this claim even though on XX/XX/XXXX, they filed a Response to Notice of Final Cure Payment checking the box that they agree that Debtor has paid in full the amount required to cure the default on Creditors claim. I called Nationstar and they insisted the {$1100.00} payments were partial payments and the correct payment amount is {$1500.00}. I subsequently reviewed Nationstars online report which showed they were posting payments of {$1500.00} although the stated amount to be paid {$1100.00}. From XX/XX/XXXX to present, Nationstar has called on a daily basis numerous times throughout the day. These calls continue despite the fact Nationstar received notice we have legal representation. On XX/XX/XXXX, our attorney sent a letter to Nationstars attorney who filed the response to the final cure, and to date, Nationstar has not responded. On XX/XX/XXXX, our attorney filed a Motion to Deem the Mortgage Current and a hearing was set for XX/XX/XXXX. Nationstar did not attend the hearing or respond to the attorneys correspondence. The court wrote its tentative ruling on our motion to deem the account current. On XX/XX/XXXX, our attorney informed me the Court will send the final order to Nationstar. Despite the legal actions, and ruling in our favor, Nationstar continues to call and harass my mom and I daily. I have documentation to support our position, however I can not not share all of it as it is protected by the attorney-client privilege.
Product: Bank account or service

Bank of America received funds from insurance payouts and never notified us. They held the funds for 4 years and hired contractors who did work on our property. No one ever verified the work was done and it was negligent causing more damage to the property. The contractor who did the work went as far as to cover the hole in the side of the house with out making necessary repairs to preserve the property. We are unable to go after the contractors because we did not have a contract with them. Had we been notified of the funds being received we could have made the repairs ourselves and been back in our home 4 1/2 years ago. Bank of America knowingly withheld funds intended for repairs and they call it a miscommunication. We have tried working with the states attorney and they have been unable to get a resolution. Bank of America continues to dodge questions and avoid responsibility.
Product: Mortgage

Since XX/XX/2015 my Mortgage loan with US BANK is not being reported to Credit Bureau. I have contacted the bank several times to get this issue corrected but the bank is not reporting the loan after all this time. I do n't know what else to do?
Product: Consumer Loan

auto loan from ally financial 6yrs agreement, I paid 3yrs without late any month, unfortunately I loss my job late XXXX I lost my job and I did ask the bank to lower or stretch my finance because of loss job the bank said they will take the XXXXlate payment and they will investigate and see where to place me on refinance category, fortunately I have n't had anything from then so I cont inued to hassle and pay my bills for 4 month without late then I called the bank and asked again they said it still under review I should get a notice in the mail 9month later XXXX I asked them again they said in 3month I should receive a call or letter in mail so I continue 7month payment by XXXX XXXX things were not well and I asked the bank again and they kept asking me to keep paying a few months I should qualify for a program, which will be able to cut some interests and month I owe, I did referred them that 4times they have promised me and no results, so they told me how do I make payment on my other bills and how do I pay my rent and feed my self? they did called me XXXX XXXX for a while until I notify the creditor I want to keep my truck if you reconsider about my loan then my loan balance was {$8200.00}, i paid from $ XXXX.so they told me they will take the truck and auctions it and I will be liable a\still for the same amount because they 've made their money last yrs that I paid so later XXXX after they took it and I surrender it they sent me a letter told me the truck was sold {$5500.00} or more XXXX XXXX XXXXmiles snow plow and package was include only plow cost XXXX and truck worth around {$7500.00}, so the letter said it sold XXXX $ and I still owed themXXXX $ then later after 3collection company bought and adjust the numbers it came up XXXX while XXXX they said was XXXX then XXXX then XXXX the in credit profile says XXXX, i have tried my best to contact them on XXXX and they just give me a contact number when I called them I leave messages and no one call back
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I have identified to be inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Called a TD bank rep and they told me that I was not allowed to deposit my own money into an online currency exchange. I demanded they allow me access to my money and they refused
Product: Bank account or service

Dear Sir/Madam, I am writing in hopes to resolve a particular dispute with Scottrade Bank and their affiliates collectively referred to as Scottrade. 

Scottrade maintains that I should file arbitration against them for the purposes of resolving a customer dispute, however, neither Scottrade Bank nor Scottrade Brokerage have confirmed the existence of a valid arbitration agreement and has refused to answer any of my inquiries for details. 

I am writing this letter to address a very specific issue. Specifically, I would like a copy of the full " consumer contracts '' that were formerly signed in order to open a Scottrade Bank and Scottrade Brokerage account. 

Please be advised that I previously requested this information from Scottrade Bank and Scottrade Brokerage but was not supplied with an original account agreement. I signed up for the accounts XX/XX/XXXX, however, Scottrade Bank and Scottrade Brokerage provided me with an unsigned copy of a " consumer contract '' that had numerous revisions from the XX/XX/XXXX version of the contract. 

The contracts Scottrade Bank and Scottrade Brokerage use have " tracking numbers '' in the bottom left margin of the page that indicate the year and date. Therefore, I am kindly requesting Scottrade Bank and Scottrade Brokerage provide me with the corresponding and original XXXX version of the sign contract and not a XX/XX/XXXX version that is materially different. 

Sincerely Yours, XXXX XXXX XXXX
Product: Credit card or prepaid card

A hotel reservation was made in XXXX for XXXX XXXX Maryland. On XX/XX/XXXX, the reservation was canceled and a merchant return for the amount of {$740.00} was sent to my Ollo XXXX on XX/XX/XXXX. Ollo XXXX  is holding the money as a pending and they are telling me it takes 30 days for the amount to post back to my account.
Product: Checking or savings account

I  XXXX   XXXX  deposited  XXXX  checks  XXXX  for {$1800.00} &  XXXX  for {$1000.00} on  XXXX   XXXX   2017 , Both local checks same town,  XXXX  from my wife and  XXXX  from a friend, On  XXXX   XXXX   2017  both checks cleared there accounts and I am still being told by  Citizens  Bank that there not releasing the funds till  XXXX   XXXX  because there is a hold on them even after citizens has the money.   XXXX  Thank you  XXXX   XXXX
Product: Checking or savings account

I had erroneous electronic transfer made from my Citibank checking account to my vanguard account. My account is overdrawn. I called Citibank to have it reversed There isn't enough money in the account to cover the transfer My account is basically frozen. Citibank says it will take time. I need to pay my bills with actual money in my account. I have called have not gotten any action. They say I t will be corrected There should be some kind red flag on unusual transaction. The account holder should be contacted to verify the transaction before it gets done
Product: Vehicle loan or lease

Santander Consumer USA purchased my auto loan from Gateway One Lending in XXXX, 2020. They claim to have sent my new account information on XX/XX/2020 but possibly due to Covid issues I didnt receive the mail until XX/XX/2020. In XXXX I began trying to catch up on the payment that fell behind during the lag time between the sell of my loan to when I received new account information. Santander could not provide me with payment or account info during this lag time but my payment was still noted as past due. 
Their website had inaccurate information & when I asked a customer service representative about the {$1000.00} difference he replied, the website just does that sometimes. 
I had two payments left on a 5 year loan when Santander purchased it from Gateway One. I  made a verbal agreement on the phone to pay off the full balance on XX/XX/XXXX. When I called to make that payment for {$1500.00}. I was informed that the loan had been charged off on XX/XX/2020. I have screenshots of their website showing that the payoff was good until XX/XX/2020. The balance on the website was also inaccurate on that day as it said over {$2000.00}. Again, the customer service rep couldnt explain the discrepancy. He advised me to pay the {$700.00} settlement and I did so against my wishes. I had 5 years of 98 % on time payments & now my credit is destroyed & I have been denied a lease on a home. Because of the final two payments after they bought my loan. 
I requested to have the title held for one week as I was moving out of state, this was not done & now the title is lost. They have promised me a release of lien via email but that was a week ago & it hasnt happened. 
This is a disorganized, fraudulent & predatory company. I hope to see some justice for myself & the dozens of Gateway One customers this just happened to. I read many reviews exactly like my story on XXXX Thank you.
Product: Credit reporting or other personal consumer reports

Dear CFPB, This is no longer a goodwill attempt. XXXXXXXX XXXX keep on violating my consumer laws by reporting this account to my credit. THEY CONTINUE TO UPDATE AND VERIFY THIS UNFAIR AND INACCURATELY REPORTING ACCOUNT. I am writing to formally dispute an account reported by XXXX XXXX XXXX. In accordance with the Fair Debt Collection Practices Act ( FDCPA ) and relevant federal statutes, I am requesting verification of this debt as stipulated under 15 U.S.C. 1692g, specifically regarding the requirements necessary for collections to exist. Ive already listed the methods of verification my last two disputes. 

Under 15 U.S.C. 1692g, a debt collector is mandated to provide verification of the debt upon request. Additionally, the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, reinforces that all necessary documentation must be provided to substantiate the claim. Furthermore, the requirement set forth in Rule 1002 specifies that an original account must be produced to validate the debt in question.
Product: Debt collection

XX/XX/2021, ( XXXX ) .. This company places a collection on my credit report without sending me any information about this debt, I never received a call or a letter. I've been living in the same place for over 5 years. This debt doesn't belong to me and I would like for this debt to be removed. I've never heard of this company called ( AVANTE USA ). I reported this situation to the XXXX XXXX XXXX and I'm in the process of disputing it with XXXX. I believe these collection company 's are preying on people during this covid-19 pandemic. I would like for this collection to be remove and for them to send me proof that this debt belongs to me so I can disputed it Asap! Thank you!
Product: Debt collection

North Shore Agency has sent repeated letters to my home with derogatory statements on them in large boldface print such as : WE WANT TO BE PERFECTLY CLEAR, YOU CAN NOT IGNORE US, THIS IS UNACCEPTABLE!!!

My husband attempted to contact them numerous times regarding the {$69.00} they were attempting to collect. He also emailed them. No one responded. They continued to send derogatory letters to my home for something I had already settled with the original company I purchased from.
Product: Debt collection

The companies are XXXX XXXX and XXXX XXXX XXXX. 
Ive already told them I will pay the rest of the debt, but they are trying to get me to pay an amount of debt that I already paid. 
They are trying to threaten me to double pay, and they have already threatened to seize property that I dont even have in my name. 
They already took me thru a Civil summons which I responded to and I keep responding to them. I have agreed to make payment amount, I could even understand if they needed to add a smaller amount of {$500.00} or less to the balance, but that is not enough for them. They are misrepresenting what is still owed, I have documented proof that I only owe so much left. 
I also found online in regards to LoanMe : LoanMe personal loans may have a low barrier to entry as well as a simple application process and fast funding, but the risks involved are high. The triple-digit interest rates are borderline predatory and can create a serious financial drain. This debt started at {$2500.00} back in 2021, they are claiming I owe {$2200.00} ignoring the fraudulent and predatory interest rate. Although, {$1400.00} was paid from XX/XX/year> to XX/XX/year> with only {$220.00} going to the XXXX is documented proof as part of the civil summons. That means only {$1000.00} is actually left to be paid. I will not allow myself to be doubly prayed on, and XXXX only willing to pay the {$1000.00} as is my right in the state of Kentucky. 
There are also multiple complaints online about both XXXX XXXX and XXXX XXXX XXXX. 
I will be contacting the XXXX XXXX XXXX XXXX. I also have an attorney now, and I will be finding out if they will help me work out a settlement or I will be countersuing.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen in XXXX. I contacted the 3 credit beaureus to place a fraud alert for accounts being opened in my name. I was told any time an application for anything was filled ' that the companies would be required to contact me before opening the account requested. 
On XX/XX/XXXX, XXXX LA ( a self financial company ) opened an account using my information without contacting me to verify my identity. They are refusing to take my call to close the account saying that the request can only be done by email and with a report from the FTC. I completed a report with the FTC, but because their was a typo on my email, I couldnt get access to the report until I waited a certain time and refilled another complaint with them. Equifax is also refusing to remove this account from my credit reporting because I havent been able to get it closed through XXXX LA ( who is still refusing to close the account ).
Product: Debt collection

Alltran Financial LP sent a  letter that threatens to take legal action on me regarding a debt. They claim to be a pre-legal account company and have stated that they will send my account to an attorney.
Product: Debt collection

The debit collector was very rude and tried to put some pressure to pay the debt by saying he will move forward to sue me or file a lawsuit against me when all I ask was how I would know if he is scam or real debit collector. And refused to provide any proof as a debt collector.
Product: Payday loan, title loan, or personal loan

Hello, I dont know how far the email will go or if I can get this resolved but I will try. I close mouth dont get fed. Ive reached out to so many people even corporate and I keep getting rear ended. It should be a crime to charge 181 % in interest on loans. Why is it legal in Tennessee? These loan sharks target people who are suffering rich or poor. My only working vehicle has a 181 % interest loan on it with TitleMax. They never told me the interest rate until after I signed the papers. They never tell me what has been applied to the loan until I go online to see. I paid {$2700.00} on a {$2100.00} loan and still owe {$2700.00}. Ive used TitleMax several times and never had this hard of time paying this off the loan until now. I am trying to get my XXXX  in XXXX XXXX and homeschool my XXXX children, my income can not afford $ XXXX {$400.00} payments and only {$90.00} goes towards the loan. I have reached out to TitleMax general and district manager and none of them would return my calls. It took 3 weeks for them to return my call and they refuse to work out a payment plan so the interest dont keep accumulating. They told me I need {$650.00} to get current and only {$120.00} will go towards the loan the rest is interest. I called them on XX/XX/XXXX to forfeit the vehicle because I can no longer afford the payments. The general manager request that I drop the vehicle off at their office and take a XXXX home. I dont have XXXX money. I already paid the vehicle off and they want me to go out of my way to satisfy them. This should be banned in Tennessee. How can someone charge this much interest? The car is still in my driveway and I cant drive it because the tags are expired and no insurance because TitleMax will not come and get it and let me be done with them!!!!! I would love to keep my vehicle but they will not communicate with me and letting the interest on the loan get higher. Please help and send this email to someone who can help. Ive been in touch with the office since XX/XX/XXXX. I was current until XX/XX/XXXX. The General manager refuse to work with me on making monthly payments he said the District manager said he cant help me. I am on section 8 and my loan payments are more then my rent!!! My car started having problems and I can not afford to get them fixed because of their high interest rate and monthly payments. Im just trying to work this out but its obvious they dont want to nor have they attempted to get the car. Ive paid off over 10 loans with them and its sad that they couldnt work with me so I can keep the car. I am a single mother of XXXX whose just trying to make it and theyre making it impossible for me and Im sure others who are barely making it. There is no interest amount on the statements. I uploaded a statement from XXXX on another loan I had and it shows the interest. 


Thank you so much, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a victim of identity theft been reporting to XXXX, Equifax and This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated. 

{ dispute_item_and_explanation } I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscribers. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is at this moment requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

Some how fraudulent information still auto verified when the merchant account is linked to an address that Ive never stayed at nor is it on my report
Product: Credit card

XX/XX/XXXX, my father was in the hospital for over a month due to a XXXX XXXX. My father asked me to go to Macy 's to purchase a gift for my mother because she was so supportive during his health issues. I purchased diamond earrings using my Macy 's AMEX charge card. 
When my XX/XX/XXXX bill from Macy 's arrived, I gave the statement to my father to pay. Then, the XX/XX/XXXX bill arrived and I still had a balance. I figured my father 's check and the statement crossed in the mail so I did not do anything. 
When the XX/XX/XXXX bill arrived, I immediately called my father to see what happened to the payment. My father told me my mother loved the earrings but thought they were too expensive. He said my mother returned them so there should be a credit on my statement. 
After researching further, I learned that the Macy 's sales associate made the credit to my mother 's Macy 's credit card instead of mine. I immediately called Macy 's to explain the situation and XXXX removed the fees. I was then instructed to call Macy 's credit bureau to fix my credit issue due to this transaction. I spoke to XXXX who said it would take 45 days and should not be a problem. On XXXX XXXX, I received a letter from Macy 's saying they would not fix the problem. 
I am never late on my payments. I would like to remove this derogatory from my credit so I can move forward with my loan approval.
Product: Credit reporting or other personal consumer reports

My experian Credit Report shows a credit card that was charged off by XXXX XXXX There is no account number listed on this credit report. The balance is incorrect and the last payment received is incorrect. XXXX states errors on a credit report must be removed. Experian refuses to take this off my credit report.