23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My issue is a continuous foul up on the Mortgage company ( Mr. Cooper ) and escrow department ( XXXX ) that started XX/XX/XXXX and continues through today XX/XX/XXXX. According to my closing documents my escrow is to my property taxes annually at the end of each year. My spouse is a 100 % XXXX veteran and due to the state of Wisconsin laws they do not do a tax exemption per VA benefits, instead Wisconsin does a tax credit. This means in order for me to get my credit back, we must pay our taxes by the last business day of the calendar year. Also my municipality as well as my county, do not and can not accept electronic payments, payments must be in form of a check. Mr. Cooper as well as XXXX have been notified in writing and verbally by my self and both municipalities of this issue, yet each year it has been sent electronically! This has caused us to miss due dates and financial hardships in the past! ( XX/XX/XXXX ) then someone in the escrow department within Mr Cooper issued an escrow refund to us {$2400.00} XX/XX/XXXX for what I was told was an escrow overage and anything over {$50.00} had to be refunded and I was assured that we would have enough in escrow to cover property taxes at the end of the year, but come XX/XX/XXXX we were short in escrow exactly {$2400.00}. Our taxes were initially paid electronically XXXX but I caught it and they reversed the electronic payment and overnight payment XX/XX/XXXX in the form of a check. Due to the payment mishap we had a deficit in our escrow that Mr Cooper added to our current mortgage/escrow payment causing another deficit ( {$1200.00} ) for the XXXX tax payment which also was paid electronically XX/XX/XXXX {$5000.00} and when I tried to get them to correct it and again explain the veterans tax credit/payment due date , they lied about the payment, when it was sent, how it was sent, refused to provide my municipality or myself check numbers etc. then on XX/XX/XXXX I was told Mr. Cooper mailed a check yet again no check number amount etc is given, yet my municipality has not received payment, So to meet the due date guidelines of the last business day of XXXX being XX/XX/XXXX I just paid the full tax bill myself {$5000.00} and then XX/XX/XXXX a check # XXXX {$5000.00} was overnighted to my municipality ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) now my current escrow account is negative {$6200.00}! Now due to-the negative balance I am being told they can not close my escrow account therefore I am still obligated to pay my P & I payment plus escrow to avoid late fees and penalties as I was told if they received an incorrect payment they would hold it. Due the incompetence, stress from the inconvenience and lack of integrity I have asked on several occasions to correct this mistake made by the mortgage company and escrow group with no action apologies or corrections! An attorney suggested I contact the CFPB as well as my senator office and my veterans office. All of which I have done and still not corrected!!
Product: Student loan

I previously held loans that were serviced by XXXX and then transferred to Aidvantage. When I try to set up an account with Aidvantage, they are unable to locate my information or my loans. I tried to call and speak to a representative but was left on hold for over an hour.
Product: Credit reporting or other personal consumer reports

These companies pulled up my credit report without my authorization and this has hurt my credit and XXXXredit score. I have contacted the bureau and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me XXXX for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  was found to be opened by someone else do to the XXXX  data breach it was deleted from my XXXX credit report because it was fraudulently opened
Product: Student loan

I paid off my loan in full and was issued a refund of {$260.00} ( for overpayment ) effective XX/XX/2023 per their website but HAVE NOT received that amount in my bank account nor via mail/check. I'm tired of their lack of responses to my emails or calls regarding the mishandling of my money. I need them to route that money to my bank account which they had access to as that's where all my payments to them were coming from and they need to send me an OFFICIAL letter that states my business with them is terminated after I receive that refund back. I'm not sure who pocketed the extra refund payment, but it was not received by me and it needs to be returned to me asap. 
Most corrupt student loan company ever.
Product: Debt collection

I do not owe this bill. 
I do not recognize this charge. 
My information was given to this collection agency without my permission. 
In addition, medical bills are not allowed on my credit report. 
This bill is reporting to all three credit reports. 

Company : Account Name XXXX XXXX Account Number XXXX
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 : dept of education/XXXX  Account # : XXXX dept of education/XXXX  Account name : XXXX XXXX Account # XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Contacted Equifax over an attempt by a 3rd party to do a hard inquiry that failed to return a valid response. They confirmed that there is an account present, but are unwilling to provide insight into the process to rectify the situation. The only response provided was to send a request in writing and wait 2 weeks for them to make a decision.
Product: Credit reporting or other personal consumer reports

I checked my credit reports some time ago and noticed I had a public record reporting that was not accurately being reporting and was not authorized to be furnished by myself nor the court that was listed on my reports. I contacted Experian, XXXX, XXXX and XXXX XXXX about the inaccurate, incomplete, and completely forged information that was furnished on my reports. Each company said the court furnished this information, but I contacted the court and they said that they never report private information to the credit reporting agencies. I have attached the court 's letter as proof. THIS IS FORGERY BY XXXX XXXX EXPERIAN, XXXX, AND XXXX. I'VE TRIED MULTIPLE TIMES TO REMEDY THE SITUATION BUT EACH COMPANY FAILED TO UPHOLD THE LAW AND ARE VIOLATING MY RIGHTS AND CAUSING ME TO BE SEVERELY DEPRESSED AND INJURED. I NEED EACH COMPANY TO STOP VIOLATING MY RIGHTS AND PERMANENTLY BLOCK THE INFORMATION ASSOCIATED WITH THIS PUBLIC RECORD REPORTING ON MY REPORTS OR ELSE I WILL SEEK LITIGATION
Product: Student loan

I believe my student loan account under Navient has some student loans on my account that were never disbursed to me from The XXXX College I attended the school on grants but never took out any loans from this school I believe they are on my Navient account
Product: Mortgage

XXXX XXXX foreclosed on my duplex for a loan that was paid off and released XX/XX/XXXX. 
XXXX subordinated to a mortgage on my duplex XX/XX/XXXX. 
This mortgage was released XX/XX/XXXX. 

The recorded deed of trust has no exhibit A showing the legal description. 

XXXX XXXX subordinated to a second mortgage released in XXXX. 
The final XXXX XXXX loan should have been released in XXXX instead of the second release of XXXX XXXX XXXX. XXXX  transfer to XXXX paid off the mortgage assigned to XXXX XXXX in XXXX. XXXX transferred to XXXX XXXX for ... ....? Nothing.
Product: Mortgage

XX/XX/XXXX received letter from Huntington Bank indicating could no longer make bi-monthly payments on home equity loan (my primary mortgage) effective XX/XX/XXXX; letter dated XX/XX/XXXX, taking 6 days to receive. Have automatic payroll deduction to them every 2 wks, approx 1/2 mortgage payment. Payment to be sent XX/XX/XXXX, fulfilling XX/XX/XXXX obligation. However, won't get paid again until XX/XX/XXXX, 8 days after next full mortgage payment due. Huntington told me they would give 15 day grace period for XX/XX/XXXX; after that, full payments due XX/XX/XXXX of every mo. I have multiple problems with this: received viturally no notice; I live on a budget, unlike your disconnected director, Mick Mulvaney. I have 6 days to re-budget for full payment, even though won't get paid again until 8 days after due date. Asked if I could change due date, Huntington refused. Change not discussed or authorized with me, is nothing short of payment demand, and a change to the loan re-payment plan I originally agreed to. Now I either have to pay extra every mo, or make a principle only payment monthly in order to get previous benefit of bi-monthly payment. This is wrong; makes me think it is a result of Trump admn dropping previous consumer banking protections. Happen to be paid 8 mos ahead on my mortgage because of benefit of bi-monthly payments, and will continue to pay extra, but how many other Huntington customers cannot or will not? This change will discourage them from using the benfit to reduce their mortgages ahead of term. Not currently in a position to change mortgage companies, if I was, would drop Huntington. This activity seems on par with XXXX XXXX changing mortgage terms without customer knowledge. Doubt there will be resolution of this in my favor - return to bi-monthly payments, or that the CFPB even cares.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I am seeking assistance Im removal inaccurate information listed on each credit agency This may be result of theft that include to my wallet that was stolen around XXXX XX/XX/2021. These debtor accounts are new I have never done any business with this company nor do I have any debtors of these creditor or address listed on XXXX, XXXX and Experian credit agencies reporting new accounts open in XXXX .XXXX  XXXX XXXX XXXX XXXX XXXX and other personal loan is fraudulent accounts XXXX XXXX XXXX also multiple named XXXX, XXXX and XXXX XXXX Fraudulent addresses XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX MD XXXX -All fraudulent personal information added to my credit reports. Any or all data input regarding this address is not valid and without my knowledge or consent. Thank you
Product: Credit reporting or other personal consumer reports

Subject : Request for Description of Investigation Process - Disputed Accounts on my Credit Report TRANSUNION Dear Sir/Madam , After TRANSUNION completes its investigation into the account related to the letter sent on XX/XX/XXXX, which is written in this complaint, please I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights Below are the details of the disputed account. 

XXXX  XXXX I recently reviewed my credit report and noticed an account that was not reporting accurately, I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action I kindly request that you provide a description of the procedure used to investigate and verify this account. If you can not update payment on time, please provide the required information. I appreciate your prompt attention to this request and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending Act.
Product: Debt collection

I sent certified letters to Jefferson Capital Systems on XX/XX/2019 and again on XX/XX/2019 informing them this was not my account and requesting any proof they have to support there claim. There has been no response from the reporting company. XXXX, XXXX and XXXX claim they have " verified '' the account and have not provided me with there proof either.
Product: Debt collection

Icsystem.com created a fake transaction about a bad check when I never tried to send them any payment ever They also are trying to charge a late fee likely due to the fraudulent fake check that they made up
Product: Credit card

PayPay Security called me to ask if I had opened a Pay Pay Credit account with them. ( I give them credit for this step-although the phone call almost felt like a scam, I was leery to give info. ) She informed me of the credit being opened in my name and I asked what the last 4 of the credit card was used to do this. She refused to give me numbers but would confirm any of the last 4 that I gave her. None matched according to her. She asked several times to confirm my email- I ignored this request.

( I should note that she informed me to contact any other accounts with emails - change all of my passwords- and monitor my account. I already use a secure password manager application, so unless the security breech is with them, I am not understanding how anyone broke into my passwords. ) She then proceeded to give me the phone number for XXXX  XXXX  that Pay Pal Credit is affiliated with. She told me to ask for the fraud department and told me to tell them that " this application was made without my consent as well as any charges on the account. '' I did this right away. However, XXXX said that there were no credit cards associated with the account because it is it's own credit account. THIS IS WHERE THINGS FELT FISHY. I was told they would freeze the account and alert the credit bureaus. I was given a confirmation number xxxxxxxx and told the account was opened yesterday XX/XX/2024, and canceled as of today XX/XX/2024. I was given a direct phone number of XXXX to call. I will get something in the mail in 7-10 days. ( I was also asked for a phone number and mailing address by this company. ) Then, she asked if I knew XXXX ( which is my husband ) because an account was also opened in his name.
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than XXXX XXXX days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX  ; XXXX, XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX  Balance : XXXX ; XXXX XXXX Balance : XXXX ; XXXX XXXX XXXX  XXXX Balance XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX  Balance : XXXX ; XXXX XXXX XXXX  XXXX XXXX Balance : XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : XXXX ; XXXX XXXX XXXX XXXX Balance : XXXX  ; XXXX XXXX XXXX XXXX Balance : XXXX XXXX  XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX  XXXX XXXX XXXX Balance : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : XXXX  ; XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX  XXXX XXXX XXXX  Balance : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX : XXXX. XXXX, XXXX ; XXXX Inquiry XXXX XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 : Tried getting TransUnion annual credit report. Went thru all the steps ; answered all the questions ( 6 or 7 I think ), and it didn't load. My name was at the top as if I was logged in to see/print it but no report there. 

Message on screen said " We are experiencing technical difficulties '' and to " try again later or to request by phone call ... Alternately to request your Free Annual Credit Report by mail ... to download the request form. '' I shouldn't have to jump thru any more hoops. It showed me I was basically logged in, so if they have my confirmed identity info and are having 'technical difficulties ' then they should just say on the screen : " We will mail your report to your current address. We apologize for the inconvenience. '' Since they don't do that, now I need to take MORE of my time 'later '.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Been a victim of Identity Theft, every since my Personal Information was Stolen from the Bureaus Data Breech my life has not been the same.. this is very ruff for me at this time. I Never had open any of these Accounts nor did I give anyone Authorization to open Accounts using my personal Information. all of these Accounts is related to fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

Didn't recieve enough information to verify debt : In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019 I requested XXXX XXXX XXXX to provide verification according the FCRA section 609 ( a ) ( 1 ) ( A ) - through the physical verification with an original signed consumer contract to which they have repeatedly responded with nothing more than a statement that shows a balance of {$1600.00}. Not what they are required by law to use to legally verify a debt.They continue to be in violation of section 611 non-compliance and have caused severe damage by contuing to report to the 3 credit agencies.
Product: Debt collection

XX/XX/2022 : I received a letter from CMRE FINANCIAL SERVICES INCXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, which attempted to collect {$220.00} to XXXX XXXX XXXXXXXX XXXX XXXX. In fact, I never visited that medical group and there was no bill or any evidence indicating that I had any business with either entity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I also demand you to produce a contract between you and I, consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf. 

In the absence of any such documentation bearing my signature. I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my social security number. 

Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611. 

Best Regards, XXXX XXXX XXXX Mack Agent/Beneficiary Without Prejudice, All Natural Inalienable Rights Reserved
Product: Checking or savings account

Dear Sirs : I hope that you are doing well. Im writing this email to address a dispute, I filed with Chime ( The XXXX on XX/XX/year>. There are 12 charges that were taken out of my Chime checking account ending in XXXX XXXX that were unauthorized. 

Chime closed my debit card due to unauthorized charges by XXXX. They refused to credit me back the {$230.00} unauthorized charges. I asked Chime moving forward to block any transactions from XXXX moving forward to protect my account. I havent used XXXX in almost a year. I gave Chime proof. I would like the {$230.00} credited back to my checking account.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my credit report was ran because I'm in the pre-approval process of purchasing a home and I had a negative trade line from AC Autopay which is not mine in the amount of {$8400.00}. I contacted them at XXXX XXXX to dispute this on XX/XX/XXXX-XX/XX/XXXX and spoke with XXXX , XXXX, XXXX and the supervisor XXXX. I asked them what is the process of having this trade line removed in which they responded there was no problem since the loan was paid in full. I then again informed them that this was not my loan and that I need the negative trade line removed. On XX/XX/XXXX I sent them a priority next day mail XXXX  XXXX XXXX to AC  Autopay XXXX XXXX XXXX., XXXX, Colorado, XXXX in the package I made sure to include the Identity theft report, FTC # XXXX, credit report, drivers license, social security card, Notice to furnish of information and the dispute letter. On XX/XX/XXXX the package was received and signed by XXXX XXXX. Today, on XX/XX/XXXX XXXX stated that AC Autopay can't nor won't help because the loan is paid in full and the title was already given.