23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have filed several complaints against Nationstar over the past year because of their mishandling of my escrow account that has led to serious credit reporting problems. Nationstar has denied my allegations and CFPB has failed to investigate my complaints. I now have definitive proof of Nationstar 's lies, operational errors and financial mismanagement which has been fraudulent and malicious. 

I am attaching the records that I have sent recently but represent Nationstar 's lies. The cover page is a copy of a letter from XXXX, my former homeowner 's insurance policy that is the basis of my complaint. Nationstar has denied that it mishandling the processing of my escrow account for more than one year. In fact, Nationstar 's operation malfeasance has been going on for almost 3 years. 

The letter from XXXX is a homeowner 's policy renewal one year AFTER that policy was cancelled and replaced with XXXX XXXX. When I received the policy renewal I called my former insurance company, XXXX, to inquire why that were sending me a renewal. XXXX told the me the policy was still in force and had been paid for by Nationstar out of escrow. A copy of the renewal dated XXXX is attached. Nationstar has denied that it has double counted my escrow account. Nationstar lied to CFPB and to me for more than one year and knew that they had mishandled my escrow and refused to address the problem. 

I paid for XXXX XXXX insurance policy out of my own funds and Nationstar began escrow for XXXX XXXX as well creating a severe negative and erroneous balance in my escrow account. Nationstar has also lied to credit reporting agencies that I missed my mortgage payment. They know that is also a lie! Nationstar must make amends to my credit report, reconcile my escrow account and ensure that all payments and accounting has been reimbursed to me. I will be reporting financial accounting fraud to the SEC and will be filing a lawsuit to investigate Nationstar which may result in a class action lawsuit that may involve CFPB as well given CFPB has failed to perform its most basic duty ... .investigate consumer complaints. 

Nationstar is a corrupt, fraudulent, lying company and I will not stand for this XXXX. I will not stop until Nationstar has been sued, sanctioned by regulatory agencies and hopefully bankrupt because if they can't figure out my simple problem there is a systemic operation problem or outright fraud in this firm. You lying XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi so I just saw a new inquiry on my credit report that I have never authorized to do so. I dont even know who this company is or why they are trying to access my information when I never said they could or have even talked to this company! The inquired on XX/XX/19 The name of the company is informative research XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX should be removed immediately. According to the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1681s2, furnishers of information to consumer reporting agencies must provide accurate and complete information. However, the information provided by these two companies is inaccurate and should be removed from my credit report.

Furthermore, 15 U.S. Code 1681b states that consumer reporting agencies are only permitted to provide consumer reports to those with a permissible purpose
Product: Credit reporting or other personal consumer reports

Request for Deletion of Account from Credit Report Dear XXXX, I am writing to address an issue regarding my credit report. It has come to my attention that my account with you, which was previously written off by your company for tax purposes, is still being reported as having an outstanding balance. As per my records, this account was written off, and I did not receive a 1099 form reflecting this write-off. I believe that this erroneous reporting is negatively impacting my credit score and overall financial health. In accordance with the Fair Credit Reporting Act, I kindly request that you investigate this matter and delete the account from my credit report within 15 days. Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

I opened a credit card with XXXX. I bought XXXX in merchandise with the new credit card and then paid the credit card balance off right away before I left the store ( XX/XX/2020 ). The associate then charged {$10.00} on the credit card without my knowledge and there is no documentation of what I purchased for {$10.00} on the bill. I was unaware that she had done this and Never opened my statements because I believed that I had a XXXX balance. When I opened the statement there were late fees and I had been reported to the credit bureau with a negative impact on my credit score. XXXX credit card is managed by Comenity bank and they say that they can not correct the error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Did not request for my credit to be pull by this company. I need this remove from my credit report. This inquiry is effecting my credit score.  Which I never requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX credit card that is not showing on my credit report. This is effecting my credit score negatively. I have spoken to XXXX, XXXX, Experian, and XXXX XXXX via their customer service teams but they will not help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its been over 30 days and I've reached out several different times. These Companies hasn't responded or opened my request to dispute any of the items I have requested to dispute. XXXX and XXXX   both just opened a dispute today XX/XX/2020, when the initial request and complaint was submitted XX/XX/2020. By Law they are not complying and its not fair I am now Requesting that they remove all unverified items from my credit report. The Law requires them to respond within 30 days. Failure to comply with these federal trade Commission ( see 15 USC 41, et seq. )
Product: Payday loan, title loan, or personal loan

On XX/XX/2022 I paid {$4500.00} towards a loan of {$10000.00} that has simple interest. 
After applying the payment I have a balance of {$4200.00} My monthly payment should decrease and I should not be charged the full amount of interest as my principal was substantially reduced. 

I called on XX/XX/2022 and spoke with a CSR, who agreed with me about the simple interest. He then told me I still owed 35 payments at {$410.00} which is the original installment payment. 

In my contract it states that it is simple interest and if I prepay, it will accrue daily. 

They are not holding their end of the contract up. 

I told him I wanted to file a complaint and he said he would for me. 
I asked who he would file the complaint with and he said against the company for me. 
Which is XXXX, so I XXXX and found this website to file myself
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 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, states a consumer reporting agency can not furnish an 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 conviction and crimes which antedates the report by 7 years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX. I have fraudulent accounts reporting on my consumer report. I will be filing a civil suit for these violations. On XXXX  I sent my FTC Report and my FL license to XXXX, XXXX, and Transunion.
Product: Mortgage

I'm writing this letter because I believe I have been taken advantage of .I was ble to purchase a home but was a difficult process. 

Copious documents and letters were requested throughout the process which I supplied. I was still being asked to render documents that were already submitted to the loan officer. I eventually had to seek legal counsel to craft a letter on XXXX XXXX, explaining my divorcee decree was legal and all economic issues were resolved. Eventually I was told I was approved XX/XX/XXXX, I went to settlement. I was told everything was a go. The day of settlement I was there for 3-4 hours waiting Eventually i was told a settlement would not take place today. No explination was given to me nor my realator. I was told they don't know what went wrong. I called them on XX/XX/XXXX, Monday and was told that XXXX XXXX  updated the system and they didn't know how to get around it. In the meantime the loan officer XXXX XXXX from Equity Resources spoke with the owner of Equity Resources Inc. 

I was quoted me a number of 5.25 % interest which was significantly higher that the original 3.5 % and PMI I asked why was the rate so high? I was told because they are going to finance the loan since they couldn't get it via XXXX XXXX and becase, " he is the owner and he can do what he wants '' Yes, I had choices but I already gave up my apartment and was stressed from this process. If I didn't take it I would have to start the process over again which was night mare or I could take the deal which wouldn't take place until XX/XX/XXXX. 
I was also told in 6 months I could refinance .Which brings me to today. 

On XX/XX/XXXX, I received a phone call from Equity Resources, XXXX XXXX another loan officer from the XXXX PA office explained he was given my file an told to call me .Mr. Kiss told me my current rate was to high 5.25 % and I would be doing them a favor by refinancing my loan. Equity Resources knew this rate for the loan ws to high to begin with but tld take it or leave it. I was trying to get a lower rate at the beginning of this process which caused me to craft this letter. I would appreciate advice on how to proceed in this matter, but also want this to be noted in the files. 

Thank you
Product: Mortgage

I wish to file a complaint against Freedom Mortgage Company. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, NJ XXXX United States Lender NMLS ID : XXXX The companys handling of my simple request for a payoff of my deceased mothers mortgage has been despicable. I have provided the company with the documentation requested including death certificate and letters testamentary showing me as the legal and only executor of my mothers estate. It feels very much as though, for some reason, the company is stalling. Interest is, of course, accruing as this process drags on. Their total and complete lack of compassion is astounding, nay repugnant. I have spoken with no fewer than five of their employees including a supervisor and I still have received no information regarding the payoff amount. I actually spoke to one Freedom Mortgage representative who told me that, DESPITE THE FACT THAT SHE WAS AT THAT MOMENT IN POSSESSION OF AND PHYSICALLY VIEWING ALL OF THE REQUIRED DOCUMENTS, my request for a payoff amount of the loan would have to go to yet another department. The company has caused us to miss the closing date of XX/XX/XXXX and now threatens to cause us to miss the new scheduled closing date of XX/XX/XXXX. 

I appreciate any assistance you may be able to provide.
Product: Money transfer, virtual currency, or money service

I opened an account with Cryto.com on XX/XX/XXXX, I made 2 deposits totaling {$900.00}, I also made 3 purchase. Then today I was notified that my account was deleted and no refund was due. Ive contacted them and they said that due to their terms and conditions they did not need to give me a reason for this. I would certainly like my money back
Product: Debt collection

I cancelled my cable service with XXXX XXXX XXXX XXXX and was told I would receive a final invoice for the pro-rated amount, I never received the final bill from the original creditor as required by law. Suddenly, I received a debt collector notification in the mail. Had I been sent a final invoice, I would have paid it. Now, it was illegally forwarded to debt collection service who has put a derogatory remark on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquries are not mine. 
XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It occurs that my credit report has been compromised. Again, I was going through my files & noticed these items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any information or items which were found to be opened due to identity theft. The disputed items do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items. XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Product: Credit card or prepaid card

This is in regards to Comenity Bank 's XXXX XXXX card. Their entire system and call center is down. I cant log in, see a statement or pay my bill. Gives you errors. Its been days. I've tried calling but at first said it couldn't go through due to technical issues. Now it says their system is down and hangs up on you. 

All I can do is see what I owe in their Easy Pay link. But my balance is WAAAY too high at over XXXX (! ) Dollars. I cant freeze the card, I cant tell what eraneous charges were made, if I've been hacked or cancel the card because I'm completely locked out! 

Even if I wanted to pay this balance thats clearly wrong, I cant as the payment just pinwheels then errors out! 

Never have I ever gone through anything like this in my life with a cc company. This is beyond ridiculous!
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one said they would remove late payments if I verified with my bank the reason my payments werent through. Once is did that and got back to them and told them it was because the payment account I was using to pay them was non transactional they said there was nothing they should do. Even though technically I did initiate the payments in time and was being charged late fees all the while.
Product: Credit card

For the past XXXX months, Synchrony Bank holder of the XXXX credit card has been charging me interest despite the fact that Ive been paying my new balance in full. 

I have a promotional balance thats on deferred interest. I auto pay $ XXXX mo to cover that purchase. 

I then paid an additional $ XXXX month to cover the new charges on my card that are slightly under the {$45.00}. 

I have to call XXXX every month to have my auto pay reallocated to the promotion. 
When they do this, they put generic charges on my card and then credit them. However, because the reallocation is done in that manner, its always wrong and XXXX charged interest and I have to fight with them to have the fee reversed. 

In XXXX, I had a {$20.00} charge and the payment was due in XXXX. I called to make the payment and ask to have the {$65.00} reallocated. I was told I had to pay {$95.00} to ensure that I was not charged interest in XXXX ( On my XXXX XXXX ). 

I told them that I did not make $ XXXX of new payments so I did not have to pay $ XXXX on top of the {$65.00} of auto pay that they already took. 

I was told that in order to avoid interest, I had to pay that. I refused!! I only made a new purchase of $ XXXX and that I was not going to pay $ XXXX on top of the {$65.00} that they already have. 

They are purposely charging interest that is not owed. And then there is a fight to get it reversed. 

They need to stop stealing from the consumer!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX and XXXX credit report, A credit collection agency is reporting a Two debts ( {$720.00} & {$280.00} ) that was included in my bankruptcy as collection accounts and money that I still owe. XXXX is reporting this as being included in my bankruptcy with {$0.00} being owed.
Product: Debt collection

I was a victim of identity theft and noticed a collection from XXXX XXXX XXXX I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against XXXX XXXX in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made.

The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report.

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 9. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 10. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 11. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 12. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 13. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXXUnauthorized inquiry by Identity Theft
Product: Money transfer, virtual currency, or money service

I sent an international wire transfer from Chase bank branch ( in XXXX XXXX ) to XXXX XXXX XXXX ( XXXX ) on XX/XX/2022 in the amount of {$50000.00} USD. It was promised to be delivered on XX/XX/2022 but it was never received by the receiver bank. I called many times since XX/XX/2022 and at first Chase told me that record showed it was delivered and ask me to call the receiver bank. Both bank push me back and forth and I finally got a confirmation in writing by XXXX XXXX  that the {$50000.00} of fund was never received by them. XXXX received a payment direction for {$50000.00} but no fund was given from Chase, therefore XXXX sent declined the instruction and sent back the payment direction to Chase. I then follow up with Chase, it was a very difficult to communicate with them as their wire investigation department will not take phone calls and only secure message. And the secure message they sent are very brief, every time they tell me they will look into it and will take 3-5 business, and repeat. Now it's already more than a month and they still can not give me my {$50000.00} USD back. The wire investigation department did confirm that XXXX have rejected the request and Chase will refund my money but it have been more than 2 weeks and money wasn't sent to my account. I went to Chase branch, call the customer service line but they will redirect back to Wire Investigation Department which is only available through secure message but they are not helping me. I need to get my {$50000.00} USD back, Chase can not take my money just like that!
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give Experian oral or written permission to furnish the information that is on my consumer report. This has caused undue stress upon me and my kids trying to find a home and I am a Veteran with XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I realized my information was leaked in a data breach and there are a lot of inquiries that I did not authorize on my credit. I don't know what they are for but i didn't authorize anyone to check my credit. Please remove these as they are bringing my score down!
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts were previously deleted from my credit report as reported on Consumerfinance.gov website, Equifax has reinserted these fraudulent accounts and this has caused harm to my credit standing. Im asking to have these accounts removed as previously reported to the CFPB. 

XXXX XXXX XXXX {$14000.00} XXXX XXXX {$1200.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00}