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

On XX/XX/23 I set up a payment online to pay my mortgage, then I set up another one on XX/XX/23 both payments were for {$760.00} each. My mortgage company ( XXXX XXXX ) received the payment made on XX/XX/23, but they didn't receive the XXXX payment made on XX/XX/23. I disputed the XX/XX/23 transaction with my bank ( Capital One ), and they sent the dispute to XXXX XXXX. Since XXXX XXXX didn't receive the payment made on XX/XX/23 they reverse the payment made on XX/XX/23 and I received that payment on XX/XX/23. Capital One closed my dispute, and they didn't resolve my issue. I have been contacting them and putting disputes about the XX/XX/23 and they kept saying that they already paid me back, which is not true. Where is my money from XX/XX/23? it is a simple math question : XXXX XX/XX/23 reversed on XX/XX/23 ( see attached letter from XXXX XXXX ).
Product: Debt collection

Company say a check was sent by mail and I never knew about or received anything. I repeatedly asked for my signature showing I agreed to it but yet I never got anything showing my signature
Product: Bank account or service

XXXX wires were sent from XXXX via XXXX XX/XX/XXXX to my Wells Fargo Bank Account for a total of {$240000.00}. On XX/XX/2016 XXXX wire in the amount of {$48000.00} was deposited to my account, at some point {$44000.00} was returned to originator in XXXX and the other XXXX have no status. The Bank refuses to give me information regarding the status of the XXXX wires, the originator from XXXX says he has not received those XXXX wires.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, ( a natural person ) I do not owe such debt and this is a clear violation of my rights under Title 15 U.S.C 1692 ( e ). Thru U.S. Postal Service Via certified mail on XX/XX/2021 I sent them a letter to Cease and Desist their fradulent activites and they still failed to do so and still continued to use this false information against me. I also requested that I be provided with validation from XXXX XXXX  and XXXX XXXX  of these alleged debt and it was not provided. I left over 7 messages for a manager with the company and received no responses. They continues to willfully keep the false debt listed on my credit report. They are unable to validate the debt and still did not remove it. This is affecting my life I am undergoing extreme stress and emotional damage due to this nightmare. It is affecting my personal and professional life. I am unable to operate in the financial system properly with this false debt on my consumer report. I deserve justice for the loss of income, troubles, and mental stress this company is causing me by being complicit in violating my federal rights.
Product: Mortgage

LoanDepot is wrongfully double charging me for an escrow shortage that has already been paid. I received an escrow summary from LoanDepot dated XX/XX/XXXX stating I had an escrow shortage of {$220.00}. ( exhibit 1 ). The document stated, if I paid the shortage up front, my new monthly payment would be {$990.00}. If I did not pay the shortage, it would be divided evenly over XXXX mortgage payments, with a new monthly payment of {$1000.00} beginning XX/XX/XXXX. 

I paid the escrow shortage up front on XXXX XXXX. ( exhibit 2 ). However, my monthly payment still went up to {$1000.00} on XX/XX/XXXX. ( exhibit 3 ) In sum, I'm being charged double for an escrow shortage. 

I called LoanDepot to report this in XX/XX/XXXX. I was very rudely told to put it in writing on their secure message center. I put my claim in writing on XX/XX/XXXX and was blatantly ignored by the company .I followed up several times with written messages, but received vague generated responses. Almost one month passed and I called the company again. I was put on hold and nothing was resolved. 

I then spoke with my local loan officer who studied the documentation confirming there was an issue. He directed me to call and speak with a supervisor. On XX/XX/XXXX I was finally able to speak with a supervisor after multiple attempts and being put on hold. After one hour of arguing and explaining the situation, the supervisor confirmed I was being charged double by the company. 

The problem was referred on that day for a call back, but was not resolved. It's been XXXX month since I have been trying to resolve this issue and I've been blatantly ignored. Not only am I being double charged, but the manner in which it has been handled has been extremely unprofessional and morally wrong. I have not been taken seriously and have been blatantly ignored. They are impossible to reach and when you do reach someone, you are passed around, put on hold, and patronized. This is not a trustworthy company. 

Attached is the documentation supporting my claim. Addresses have been redacted for privacy.
Product: Debt collection

I keep getting phone calls regarding a XXXX XXXX and his debts. I am not XXXX XXXX and to my knowledge he died in 2016. I do not know XXXX XXXX or his family, yet his creditors continue to harass me. The most recent was from Debt Solutions in XXXX XXXX, AZ.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian sent me a letter, stating my dispute was claiming material misrepresentation which is a lie on their behalf. First of all Experian continues to certify a charge off account and continues to report said account every month as derogatory. I do not owe this account. This debt has been discharged in my Chapter XXXX bankruptcy case. Yet Experian continues to attempt to allow the creditor to collect on the account. Discharged debts in US Bankruptcy court are not collectible. Experian fails to comply with the bankruptcy laws. This account has been discharged and it should be marked as such paid and closed. Chapter XXXX bankruptcy. Which was filed on XX/XX/2021. All credit bureaus have reported this account discharged. BESIDES EXPERIAN. Failure to comply with the law will allow me full rights to sue Experian for violating the us bankruptcy laws that protect consumers.
Product: Mortgage

I was approved put in offer it was accepted the sellers were paying all my closing cost then out of nowhere the lenders start demanding payment for appraisal or they were not releasing my appraisal report I refused to pay it the lender then contacted sellers realtor asking them to pay it before a full approval was even complete come to find out. They hadn't even got it to underwriting. They spoke to me very rudely told me the buying of the home takes presidency in my life and were constantly texting me very rude things!
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

There are XXXX identical hard inquiries on my Equifax credit report for XXXX XXXX, 2015 and XXXX XXXX, 2015 for XXXX XXXX. I have contacted XXXX XXXX and they sent a letter stating that XXXX XXXX XXXX does not show any record of requesting a copy of your credit reporting file on XXXX XXXX, 2015.
Product: Checking or savings account

On XX/XX/2019, we ( XXXX  XXXX XXXX ) received a check from our customer and made a deposit onto our bank ( BB & T ) account with the correct checking account number on the endorsement at a Washington DC BB & T branch ( Mailcode : XXXX - Address : XXXX XXXX  XXXX XXXX XXXX, Washington, DC XXXX ). 

After the annual reconciliation, we found out that the check we deposited was not properly credited onto our BB & T Checking account. So we contacted our customer to send us a copy of the cancelled check, which later we received. With the image of cancelled check, we checked our BB & T Washington DC branch, the same branch where we made the deposit. However, Ms. XXXX XXXX XXXX ( Branch Banker Team Leader II ) said, because they destroyed the original deposited check after 45 days, they couldn't not help us. 

Since it's due to their error ( possibly credit to a different account ) and it's all digital, we don't understand why our BB & T couldn't further investigate and made a corrective actions.
Product: Mortgage

I currently have a mortgage with Specialized Loan Servicing. Recently my city tax bill came in and it was incorrect as there was an error on my XXXX taxes. I was to receive a credit from the State of VT which is sent directly to the City of XXXX  XXXX for our property taxes. Specialized Loan Services ( SLS ) had already paid our XX/XX/XXXX taxes but paid too much. They even sent me a check for {$1500.00} since I apparently an overage in my escrow account. This check was received at the end of XXXX. I started calling on XX/XX/XXXX to 1 ) send them a copy of the NEW tax bill and 2 ), request an escrow analysis be done since my property taxes were now paid thru XX/XX/XXXX. I've called each week since then, have been promised a resolution and call back and nothing. They give me an email address to send my tax bill to and then say it was not received. To speak with a supervisor is to wait another 4-5 days. My last call was on XX/XX/XXXX with XXXX - # XXXX who promised me a call back and never called. All I want to do it pay the CORRECT amount on my mortgage but they are asking me to pay more with erroneous monthly statements. I feel my rights are being violated and I now have payment to the city I live in for my taxes thru next year. Nothing is being resolved and I'm at a loss.
Product: Credit card or prepaid card

I received a mailed promotion from Commerce Bank in  XXXX  for a credit card with a {$150.00} statement credit after spending {$500.00} within 3 months. By  XXXX   XXXX , I had reached over {$500.00} in spending. As of  XXXX   XXXX , I still have never received the {$150.00} credit.     I have called Commerce Bank multiple times over the past few months inquiring when I would receive the bonus. Every representative sees the promotion associated with the account, but they tell me to continue waiting. When I called after 2 months, they told me to wait another month. When I called after 3 months, they told me to wait another month. I feel like I 'm getting the runaround and they will never get around to giving me the credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Experian should not be reporting the XXXX XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account did not appear on my previous credit report however, it is appearing now. This account does NOT belong to me and is reporting in error. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of an account that has a collection/chargeoff that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I hope you're doing well. I need to report an error I found on my credit report. It says I made a late payment, but I actually paid on time. It's important that credit reports are accurate, so I'm reaching out. 

I've attached a copy of my credit report with the supposed late payment date ( XX/XX/year> ). Can you investigate this? If you can't find proof of a late payment, can you fix it to show that I paid on time? 

Thanks for your help and quick action on this.
Product: Debt collection

In XXXX, I had a 6 month free trial of XXXX XXXX which I assume automatically renewed on XXXX XXXX, XXXX without my knowledge for an amount sum of {$49.00}. Let me also say that I did not receive any bank statements from XXXX XXXX at my billing address at the time, so I was not aware that I had accumulated any debt or else I would have paid it back immediately. 

I was contacted on XXXX XXXX, XXXX by a debt collector who made me aware of the fact that I now owe {$300.00} and some change. After calls to XXXX XXXX, they informed me that the excess money owed to the debt collecting agency came from late payments on the account. I called XXXX XXXX, XXXX party debt collecting agency, and they have no knowledge of the initial charge on the account. They also stated that they would be willing to settle for {$210.00} but I declined since the original amount was {$49.00} and they did not send a statement to my billing address to inform me of the amount owed originally. I contacted XXXX today, XXXX XXXX, and they granted a refund to my XXXX account for the XXXX $ since I did not use the prime service at all. Meaning, I should n't be in debt at all since the original amount I owed was a non-intentional and XXXX has recognized this and refunded the original purchase to the XXXX XXXX XXXX. I have attached an email verifying that XXXX has refunded the initial amount due to their error.
Product: Credit card

Billmelater charged me a late fee of {$35.00}. When I called in to make the payment in XXXX the system told me the payment was due so I made it. I had already made a payment earlier that month. So, when I went to pay this month they said I was past due and charged me a late fee. My payment was made XXXX day before the cycle date. This ended up being the XXXX payment I had made for the month of XXXX. They refused to waive the late charge.
Product: Credit reporting or other personal consumer reports

I requested a detailed account of all late payments listed on my credit report from Affirm and XXXX. Affirm did not respond. I have filed multiple disputes with XXXX regarding the XXXX to XXXX accounts from Affirm on my report. XXXX continues to update the derogatory information with new dates, stating that Affirm has confirmed it. I can only access alerts and have been unable to view my credit report since XXXX.
Product: Checking or savings account

Chase bank claims to have sent a document to verify my SSN around the opening of my account yet have not attempted to reach out in any other way notifying me to expect this document. On XX/XX/20 Chase bank restricted my account which I only found out after going in to the local branch on XX/XX/20 to apply for a credit card. I was informed that I would not have access to my funds at all and to fill out a form that would be sent in wherein my account would be unrestricted in two days with the possibility of it being completed the next day. I signed my name on the document and verified it with the associate in the branch who then sent it off. The next day XX/XX/20 I contact the customer support number and get transferred to the compliance department to check on the status of the application where I was informed that the document was missing information and that I could in fact actually retrieve funds in the interim while the document was being processed if I go to a branch. That same day I leave work early to go back to the local branch and was assisted by the branch manager who had me fill out the form again with all the information this time and was informed that there was still a two day processing time before my funds would be released and that I would have to go to another branch to get the interim funds which would be closed when I arrive. Due to this I had to go retrieve funds the next day. 

On XX/XX/20 I go into the other branch an was able to pull a requested {$50.00} from the account on the branch managers approval. 

On XX/XX/20 I call the customer service number and was connected to compliance again only to be told there is an outage with the system that handles those requests and that my account will not be available until next week XX/XX/20 at the earliest. 

In this time my account was restricted I have had rent due, I have bills pending to be due and likely pending a late fee should they not be paid of which will report negatively on utility accounts and mar an otherwise perfect payment history I have had with these companies.
Product: Debt collection

I am being billed for something medical taking place in XX/XX/XXXX!!! This is my first time being billed and they used my maiden name and old address, two things that have been legally switched. The bill says nothing about what the service was for and this is the first attempt from the original company to collect. When I call the number listed doesn't even mention the company name. EOS-CCA number is XXXX with an invoice date of XX/XX/XXXX. This does not seem legitimate at all.
Product: Mortgage

I was trying to get reviewed for a loan modification on an FHA loan with Quicken Loans. They were helpful at first, then stopped responding to me and moved to set a foreclosure date. In order to save my home I filed bankruptcy in federal court prior to the auction. However, Quicken Loans and law firm XXXX XXXX XXXX moved forward with the sale anyway in violation of federal law. I have since tried to get information and updates and to get the sale rescinded but have not been able to make any progress or contact with Quicken. 

My wife and I bought this home in XXXX with an FHA loan. We made our payments as agreed with no problems until our roof caved in a couple of years ago. At the time I was only working part time and it cost {$7000.00} to repair the roof ( it was an urgent repair ). Due to this fact I struggled and fell behind on the mortgage. Last year I reached out to Quicken to try and get reviewed for a modification or plan to help me catch up. I was approved for a small reduction to {$710.00} a month. We began making this payment, but then had a problem with my wife 's XXXX check and missed a payment. Since that time their agents have refused to work with us and refused to accept our payment. We were immediately pushed into foreclosure and a sale date was set for XX/XX/XXXX. I filed bankruptcy prior to the sale and under federal law the property should be protected from foreclosure. Then I was contacted by XXXX XXXX XXXX XXXX XXXX and was told that my home had been sold. 

I believe that Quicken Loans with the help of XXXXXXXX XXXX XXXXXXXX has not followed HUD and FHA guidelines and denied access to programs such as loan modification, partial claim, special forbearance as well as repayment plan options. Also, they were required to send out Occupied Conveyance paperwork prior to conducting any type of foreclosure action and this information was never received. 

We are trying to get an update on the status of our home from Quicken Loans. I was under federal bankruptcy protection when they allegedly conducted the foreclosure sale and they are required under federal law to rescind the sale. I have not gotten any updated information from them so I am not sure of my current status. I want Quicken to work with me and put us into one of the government plans available so that we can save our home and resume making payments. I am hopeful that your organization can get involved and get to the bottom of this.
Product: Credit card or prepaid card

TD Bank failed to correctly examine the documentation we provide to them about the dispute. This fact was discovered when we talked to a rep with the Customer Complaints department at TD Bank who was trying to get all the facts of the case after we complained to the Chairman of the bank. The dispute was regarding the movement of household goods through XXXX XXXX XXXX. The company did not deliver all the goods and delivered some goods with significant damage. TD Bank agreed with the false statements XXXX XXXX XXXX made in response to the dispute and did not verify the facts with us. We submitted almost 100 pages of documentation in two separate letters and responded to all the requests made by TD Bank in a timely manner. The time given to us to respond was less than 10 days every time including the time it takes to receive regular mail. While they ignored all the facts and details, their final response to us said they determined no billing error occurred and they rand out of 90 day window to resolve the claim. They failed to examine the all the facts in the 90 days and now are putting the blame on us. The total estimated of the damages is about {$21000.00}. The credit card charge of {$7700.00} we are disputing covers only one third of the damages we incurred. We didnt sign on any receipt which showed we received all the household goods as expected in the same condition as they were packed so how is that charge valid? TD bank was negligent in examining all the documentation we provided in a timely manner and now their excuse is that 90 days have passed.
Product: Credit reporting or other personal consumer reports

I noticed WFBNA CARD and XXXX  furnishing illegal information on my consumer report. There is a late payment reflected on XX/XX/year>. Congress states that late payments are excluded from being reported per 15 U.S. Code 1681a. Therefore, this furnishing is a illegal and bearing on my credit worthiness.