23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Hello Cfpb, I recently filed a complaint towards Citibank and on XX/XX/XXXX they responded to the cfpb report XXXX they responded back stating no funds are owed to me. I had over {$5000.00} in my bank account and on XX/XX/21 citibank withdrew and took my money out HOWEVER THEY ARE NOT STATING WHERE THEY SENT THE FUNDS BECAUSE THEY ARE CLAIMING THEY DO NOT PWE ME MONEY HOWEVER THE MONEY THAT WAS IN MY ACCOUNT BELONGED TO ME. Citibank has took my money and they are NOT TELLING ME WHO THEY GAVE THE FUNDS TO SO I CAN OBTAIN THE FUNDS FROM THAT COMPANY. I do not owe anyone money and Citibank closed my account and on XX/XX/21 adjusted the funds BUT THEY ARE NOT GIVING AN EXPLANATION AS TO WHO/WHAT THEY SENT THE FUNDS TO. I have called them several times and the case officer XXXX was supposed to contact me to inform me who the funds were sent to however they are not cooperating. THEY ARE NOT BEING CLEAR AS TO WHAT THEY DID WITH MY MONEY THAT WAS IN MY BANK ACCOUNT PRIOR TO THE CLOSURE. I do. OT OWE ANYONE ANY MONEY AND THE MONEY THAT WAS IN MY ACCOUNT {$5700.00}. CITIBANK IS CLAIMING THE AMOUNT OF {$5700.00} is not owed to me WHEN IT IS OWED TO ME BECAUSE THAT IS MONEY THAT BELONGED/BELONGS TO ME. Citibank has my money and they are not informing where/who they gave the funds to. I NEED TO KNOW THE {$5700.00} who it was sent to BECAUSE CITI CLAIMS THAT MONEY IS NOT OWED TO ME. There previous response does NOT SPECIFY THE ANSWER I AM SEEKING. All citibank is stating is no money is owed to me. That money belongs to me and i need to know if the money is not owed to me then who is it owed to so i contact that individual to obtain my money!
Product: Mortgage

On XX/XX/XXXX, I reviewed my county 's real estate tax website to determine whether my taxes had been paid. They are due XX/XX/XXXX. They had not been paid, so I checked my mortgage online portal and I paid the taxes in the amount of {$3800.00} to avoid a late fee of close to {$500.00}. The portal showed taxes had been paid to a tax parcel that was not mine in the amount of {$65.00} on XX/XX/XXXX. I contacted NewRez the next business day via phone, which was XX/XX/XXXX. I requested I was advised on this phone call to submit an inquiry with via the mortgage portal and attach the tax bill I received along with my paid receipt. I did not hear back, so I contacted NewRez via phone again on XX/XX/XXXX. I spoke with someone in the tax department that advised me to send the tax bill and paid receipt to an email address. I was also advised they would correct the parcel number associated with my mortgage and I would be sent the money I paid out of pocket for taxes from my escrow account once the issue was reviewed, but it would take until the end of the month. I received an email from NewRez on XX/XX/XXXX. It was a poorly written email and difficult to understand, but I am going to relay what I understood from the communication. Per the email, the {$65.00} paid from my escrow account to a real estate parcel that is not owned by me or my spouse, would be non-refundable. They were able to update my parcel and it looks to be correct in my mortgage portal. The last part of the email covered my request to be reimbursed from escrow, the tax amount that I paid and that should have been paid by them. It stated they would not update any information concerning the tax bill since I chose to pay the bill out of pocket. I did not choose to pay it out of pocket -- NewRez messed up and I was forced to pay it to avoid a late fee. They advised a new escrow analysis would be performed XX/XX/XXXX. I didn't like the wording of the communication, but I assumed they would complete the analysis, find there was an overage ( due to them not paying the taxes ), and return the amount to me. By the beginning of XXXX, I had determined they would not be performing an escrow analysis based on my escrow balance being close to {$6000.00} in the mortgage portal and I made another call to them on XX/XX/XXXX. After being transferred from customer service, then the tax department, and then back to customer service. I spoke with a wonderful associate who filed for my money to be returned. She requested I send the tax bill and paid receipt in again ( for the third time ), which I did. As of today, I have yet to receive a communication from NewRez pertaining to my request to have my money returned and I have no idea if I'll ever see the {$65.00} they paid to the county again.
Product: Credit card

Contacted BOA many times between.XXXX of XXXX  and XXXX of XXXX about at the time my current financial situation, I even made partial payment at times, I finally was able to make an almost pay off payment of {$19000.00} on XX/XX/XXXX, however even with that payment, they reported me 30 days to the credit agencies.. 
At this point, BOA needs to fix this on my credit report, and remove the 30 days late on my credit report., as this 30 days late posting has effected my credit report in a negative way, losing XXXX points or more on my overall rating
Product: Payday loan, title loan, or personal loan

I became default with a loan I received through Cash Store payday loans. When in default I also was in the process of modifying my current chapter XXXX  bankruptcy. In doing so, I provided the company with the information to contact my lawyer and the bankruptcy number. Never heard from the company for over a year. Then, a collection agency called and mailed me a letter and basically stated that I needed to pay them in full and would not make arrangements other than the debt amount to be paid in full. I informed them that I could not make such payments and asked if they had contacted my lawyer regarding the bankruptcy. Again no further contact from them until they transferred the account ( I assume ) to another collection agency. This collection agency was so rude, yelled at me over the phone, called my references and had them so upset and disclosed so much personal information about me it was ridiculous. Recently someone left a message stating that they was taking the matter to civil court and provided me with a case number for XXXX county. Again, I asked them to send me information in the mail so that I can properly addressed the matter. I was informed that they will not send me any information and that I will just need to wait to hear from my county regarding the civil case. How is it that these collection agencies will refuse to provide me with any information and that the Cash Store continues to transfer my information to several different agencies? I need help to try to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible
Product: Mortgage

I took out a Mortgage with a company named XXXX Mortgage. They sold my loan to Nationstar Mortgage, XXXX XXXX Mr. Cooper. The starting balance of my mortgage was {$370000.00}. The mortgage started on XX/XX/XXXX and the interest was pre-paid through XX/XX/XXXX and did not begin accruing until XX/XX/XXXX. As of today, XX/XX/XXXX I have made payments to Mr. Cooper totaling {$380000.00} and according to their website, my mortgage is still not paid off. My interest rate is 6.875 %, and I have no escrow associated with the mortgage. There are no pre-payment penalties or early payoff penalties for my mortgage. Of the {$380000.00} I have paid to Mr. Cooper, they have assigned {$6200.00} of that amount to interest charges. However, they have only earned 33 days of interest as of today, which is approximately {$2300.00}. It appears I have been overcharged approximately {$3800.00}. I have attempted to call Mr. Cooper several times and am unable to reach a representative. Their automated calling system will not route me to a human. When I try to send a message on their website, I get an error each time. So not only have I been overcharged, I'm not even able to get in contact with the company to request a resolution.
Product: Debt collection

It is my contention that my rights under the FFDCA have been grossly violated for the following reasons : Upon contacting the XXXX XXXX Justice Court with regards to these matters I was informed that a Letter of Settlement had never been issues for case XXXX, which was paid directly to a XXXX at XXXX XXXX by money order. 
Upon contacting the attorney of record with regards to this, the office refused to send a settlement letter and instructed me to contact the creditor. Upon doing so I was referred to the collection agency who has no record of this. 
The attorney of record attempted to garnish the co-signers income, a woman of XXXX years at the time who was on a pension and Social Security, in gross violation of the law and a gross ethical violation under Arizona State Law. 
Upon contacting the creditor and demanding my rights to deal directly with them, they refused in violation of my rights. 
Upon contacting the collection agency and trying to make payment arrangement with one XXXX XXXX XXXX, on numerous occasions, this was denied and I was informed he would only accept the full amount for the settlement amount. 
Upon contacting the collection agency and attempting to pay a [ predetermined collection settlement amount I was informed XXXX of XXXX XXXX had now increased the amount. At this time I was also informed my account had been reported to a secondary agency for renters and a settlements would affect my ability to rent in the future. I was never informed of this. 
Upon contacting the collection agency with regards to the entire amount and requesting a breakdown, I was refused and rudely informed by XXXX that he had this file for years and he knew the amounts. 
Inasmuch as my mother is also listed on this account, she had her attorney contact XXXX and he subsequently chastised me for having an attorney contact him and was told to deal with him directly. 
Upon being told by the XXXX XXXX Justice Court that the second judgement amount had to be paid directly to them, I was informed by XXXX that HE was the one taking all the funds and I was NOT to pay the court.
Product: Credit card or prepaid card

I had a Citicard credit card for years. I always got my statements by mail. I stopped using this card when I got a better offer from XXXX. At the same time I stopped using this card [ but still had it active ], Citicards changed my billing statement to electronic without my knowledge or consent. This led to numerous penalties that I was unaware of. When I finally learned of these charges, I paid the card off completely and ended the account. Then three or more months later I get a call from them telling me I still owed new charges for late fee penalties. 

This is a VERY SLICK SCAM, and I realize how hard it will be to catch them at it. But it is clear they could easily make millions of dollars running it. And I am sick how the Republicans are trying to end or defund you guys. There is absolutely no way for me alone to do anything about this and it is too small of amount to even try. But I suspect it is criminal fraud. good luck trying to catch them! 

The reason I have not included my account number is that I ended this account some months ago and threw away my cards. I am not a great record record keeper but probably could get my account number from the bank where I wrote my checks from. Citicards will only give me my last 4 digits on the phone. I am happy to help with more details if you want to pursue this. I fully realize how hard this will be to catch them. They can say I gave approval to do electronic statements and it is my word against theirs. There is no way I would have approved that as I do not trust emails to not end up in the junk file and me missing them. As I said, I just have a small hope that this complaint will start an investigation into this petty fraud which would end up with them making millions of dollars in fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I wrote All three credit reporting bureaus ( EXPERIAN, XXXX, XXXX ) asking to provide verification of accounts with incorrect amounts, open dates and closed dates. The letters along with a copy of of my credit report were sent certified mail. I havent received a response from either bureaus about an investigation being opened nor closed. Attached is a copy of the letters that were sent.
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 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

This is a continuation Phase II for Specialized Loan Servicing ( SLS ). My first reference complaint # XXXX where documents were submitted for review. 

On XX/XX/XXXX, SLS admitted to making and error concerning an overpayment of an imposed Hazard Insurance with inflated interest and late fees. SLS has the refund check that they refunded back to me in the amount of {$1100.00}. I was told Customer Resolution in Loss Mitigation at XXXX XXXX XXXX ( exhibit # 1 ) and he stated that {$1100.00} was applied to me escrow account number XXXX. XXXX said that SLS would apply XX/XX/XXXX credit of {$230.00}. Then there would be a credit balance of {$570.00} which would be applied to XX/XX/XXXX mortgage payment leaving a balance due of {$46.00}. I called and had {$140.00} reapplied according to the agreement made to clear up all monies due. I personally am not in agreement that I owe SLS any back payments since they finally admitted to the error. Per agreement I sent {$140.00} on XX/XX/XXXX ( exhibit 2 ) titled reapplying mortgage account to release the monies out of my escrow account. They accepted my payment and then turned around and took it agreement off the table. SLS sent me a notice of Intent to Foreclose on XX/XX/XXXX ( exhibit 3 ) stating that I owe {$1300.00}. SLS continues to stress me out causing my XXXX ( XXXX ) by trying to foreclose on my home after they made the agreement on XX/XX/XXXX. I am a XXXX point Veteran suffering with ( XXXX ) and a credit score below 500 because of SLS. Upon sending the Notice of Intent taking the original agreement off the table I paid {$700.00} via telephone on XX/XX/XXXX ( exhibit 4 ) for XX/XX/XXXX mortgage payment. I have been battling with SLS for almost 3 years. I could not afford to pay SLS {$970.00} for 12 months. They keep stating that they don't have any documentation from me to justify all this harassment which is not true. I've sent countless documents to ( XXXX ) and ( XXXX ). I continued thru out this battle to pay {$690.00} which is my mortgage monthly amount before they forced Hazard Insurance ( {$810.00} ) on me erroneously. Then the federal shutdown happened. Now my XXXX statement reads that I owe SLS {$1900.00} ( exhibit 5 ). I never had a problem for over 20 years with XXXX  XXXX XXXX before they sold me account to SLS. As I have stated before that SLS has no disregard for mortgages and finances of people. How does Consumer Finance continue to let SLS throw us out in the street and treat us like dogs? There are countless website testimonies about how SLS operates. Does the same people that continue to harass me take our homes for resale value and profit from forcing us out in the streets and messing up our credit scores so that we won't ever be able to buy again with bankruptcy for 7 to  10 years? 
Sincerely yours, XXXX XXXX XXXX
Product: Credit card

I went online to USAA to get a secured credit card during purchasing the secured card online USAA 's system charged me twice and set up two secured credit cards when I was only trying to get one. I had to take time out of my busy work schedule multiple times to try and resolve this issue. After speaking to multiple customer service reps I was told this issue was resolved. Only to find out that not only has this affected my credit, the thing I was trying to repair in the first place, but now they are trying to charge me for the additional card that I never wanted in the first place for which they told me the issue was resolved. I tried to make a formal complaint to the executive office at USAA I called XXXX with executive resolutions 5 or more times and never received a call back for any resolution. This bank refuses to return my calls. This has put my ability to repair my credit and use my VA home loan for purchase of my families first home to a complete STOP!
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

My Hyundai lease expired XX/XX/18 and I bought the car at the end of the lease. Hyundai charged me a {$400.00} disposition fee when I purchased the car but told me they would refund it and to expect a check in the mail. I did receive the check in the mail for a refund of the {$400.00}. Shortly after I received an invoice for {$400.00} from Hyundai for a disposition fee. I called them to tell them to clear it up and they told me they had no way of communicating with the Hyundai dealership to verify that I purchased the car. I told them that this was a customer service fail and they needed to fix it on their end and they refused. I also now realized that I am being charged interest on the {$400.00} since they rolled it into the new loan for the purchase. I am sure most people just pay the fee again and don't question it. This is a fee that I have paid once, have had refunded to me, and is now trying to be collected again. Do not just pay this without questioning it.
Product: Mortgage

Ive been in forbearance, I called the mortgage company to start payments XXXX XXXX.I finally got a job after this XXXX they said they were deferring my forbearance payments and start payments again on XXXX XXXX.they said someone would come to my house to sign paper.I agreed it gave me a extra month to start payments back up. nobodys contacted me this was on XX/XX/2021 .so I called back on XX/XX/XXXX, lady said they couldnt find anyone to come to my home to sign papers .then she said would have to have my ex-husband who Ive been divorced almost 4 years he is no longer on the deed I got the house in the in the divorce.Hes an XXXX man I have no idea where hes at so then she began to tell me then I could not do the deferred payments and then I would have to have {$13000.00} by next month or I would go into foreclosure.they did not state this on XX/XX/XXXX, I sent over court papers from the divorce and deed signed off .I want to keep my house, and agreed to start payments on XXXX .she told me today there was no way around this find the ex or lose house .rocket mortgage
Product: Debt collection

In accordance with the fair credit reporting everything has to be 100 % accurate on my credit report. I contacted credit acceptance on XX/XX/2022 for a debt validation response however credit acceptance failed to respond back to me. attached is the letter. I also contacted XXXX with multiple debt validation letter in which on XX/XX/2022 XXXX stated my account was properly investigated from the dispute of Credit Acceptance Corporation XXXX XXXX XXXX In which i submitted the debt validation verification on XX/XX/2022 but how is that possible if the open date is inaccurate, the last date reported is inaccurate, the date last active is inaccurate, the date of the last payment is inaccurate these are multiple violations and this is a ground my removal under 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 : according to fcra any furnished info can not be used without my written instructions. Also the credit acceptance and experian is taking or took more than 30 days to my debt validation investigation letter from that I submitted to Credit Acceptance Corporation and XXXX.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am filing this complaint regarding Equifax Information Services repeated failure to ensure the accuracy of my credit report and their inability to address disputes properly. I initiated my dispute with Equifax on XX/XX/XXXX regarding the matter. As of this date XXXX XXXX, XXXX the items have not been removed as they have failed to investigate and validate the information properly while keeping my information on the report. I also have found my information has been associated with the data breach. The Engagement number for the Equifax Data Breach Settlement is XXXX As a consumer, I am entitled to accurate credit reporting under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, yet Equifax has failed to meet this legal standard. 
Specifically, Equifax has reported inaccurate personal information and unauthorized hard inquiries, including : Incorrect Personal Information : Names : o XXXX XXXX XXXX XXXX XXXX Addresses : o XXXX XXXX XXXX XXXX  WA XXXX o XXXX XXXX, XXXX, WA XXXX Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXX via Dealer XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX my efforts to dispute these inaccuracies, Equifax has failed to investigate or validate the information properly. These actions violate their obligations under the FCRA. Moreover, the CFPBs lawsuit against Equifax highlights systemic failures in verifying consumer credit data, which further undermines confidence in their processes.

Equifaxs negligence has caused me financial harm, including a lowered credit score and lost opportunities. I am requesting the CFPB to : 1. Investigate Equifaxs practices related to consumer disputes and inaccurate reporting.

2. Require Equifax to remove all unverifiable or inaccurate information from my credit report. 
XXXX. Impose appropriate penalties to ensure Equifax complies with federal consumer protection laws. 
Attached to this complaint are : A copy of my credit report with disputed items highlighted. 
Documentation of my prior disputes with Equifax. 
Thank you for your attention to this matter. I trust that the CFPB will act to ensure Equifax is held accountable for its obligations under the law.