23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This is concerning our escrow account there has been several mistakes with our escrow being that the mortgage company paid to insurance companies that we did not authorize to be paid when we requested that they paid the third we had been notified then that they had overpaid and they had paid to other insurance companies and of course requested us to pay the money back when we did the mayonnaise was not properly executed to the right accounts or the it was not dispersed into the right accounts and there has been several escrows that has been done since then and every time I call them it seems like it gets worse and worse and I we just feel like our backs against the wall that we've been cornered and either we do as the mortgage company says and we pay what they say will be homeless we have paid back every dime that they we have instructed us to pay back and they still today to say we are behindaccording to our end of year mortgage tax statement we have paid him a {$6000.00} in escrow this year as of XXXX of last year to present date and that we only have {$500.00} in our escrow account every time I call and ask to speak with somebody in the escrow department or in the escrow analysis department I am told they did not take phone calls I can not speak with anybody higher than a customer service representative we are just floored we don't know what to do we don't know where to turn or every other month car payment is different than what it was the previous month and we just feel like they are doing our escrow analysis in the presumption that our escrow is going to be over {$5000.00} this year and there needs to be no more than {$2100.00} in our escrow and I believe they are doing the analysis as projecting it to me over {$5000.00} and I can't seem to get anybody to understand that is not correct we just don't know where to turn and don't know what to do and we need help it is an FHA loan we do pay the FHA mortgage insurance it is also a fixed loan it is not a very veritable like I said I have made several attempts and several phone calls to try to fix the situation and every time I do it seems to get worse I had the first payment that we sent back to them was over {$1800.00} when we sent it back they applied {$1300.00} to the principal instead of the escrow when I called to get that corrected then they applied {$700.00} to principal and I believe {$500.00} or {$600.00} to the escrow they have never applied the funds as we have instructed and they have done whatever it is they wanted to do with that regardless of how we instructed them to apply the funds and we are just in an in desperate need of some help
Product: Student loan

I have been experiencing nonstop problems with Firstmark since 2020. They were failing to apply my monthly payment to all of my accounts leaving some unpaid and overdue. 

Today ( XX/XX/XXXX ), I tried to make my normal monthly payment for XXXX, which is due on the XXXX, about 6 days late - please note, I've been making overpayments every month for XXXX years. My XXXX payment is not due until XX/XX/XXXX. I went onto the website to make my normal XXXX payment ( again, actually an overpayment, which I've been making in the amount of {$470.00} for nearly 10 years even when my minimum has been {$420.00} or less ) and today the minimum amount due includes XXXX 's amount, 24 days early. In other words, I should only have to pay {$410.00} ( minimum amount due, 6 days outstanding ) for XXXX and wait to make my XXXX payment later this month. I should not have to owe XXXX 's payment now. 

I have been dealing with XXXX 's customer service mistakes for 2 years and they have demonstrated a complete lack of competency so that calling them is useless, time consuming, and extremely stressful. 

I respectfully ask CFPB to assist with XXXX 's decision to arbitrarily force borrowers to make their next payment along with the outstanding amount when the next payment is not due yet. The website won't let me make a XXXX payment without making the XXXX payment as well. See screenshot attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've a credit card from XXXX. My XXXX payment information has been continuously being misreported to the credit bureaus for months. Here 're the things that are being misreported. 

1 ) I've only one XXXX XXXX. But on my credit reports, it's showing that I've two XXXX cards, which is clearly false. 
2 ) I've no balance on my one and only XXXX card, everything 's fully paid. I paid the {$99.00} balance on XX/XX/2023, and the ACH debit payment was posted on my account as well. Whenever I login to my XXXX  account, I see that I've {$0.00} balance. But, on my credit reports it's showing that I've a {$99.00} balance for each XXXX card, so it becomes {$190.00} balance for two XXXX cards, which is also clearly false. 

I was supposed to have {$0.00} balance on my one and only XXXX card, instead they're reporting that I've {$190.00} balance across two XXXX cards, with false late payments still being counted. 

I've previously contacted XXXX about this, and I was told that the correct information will reflect on the report within 30 days from the payment date. So far, it's already been more than 2 months since the payment was made. XXXX has been reporting the false data to all credit bureaus ( XXXX, XXXX, Experian ). This's a major issue and seriously has to be fixed.
Product: Vehicle loan or lease

The company ( Us Auto car sales ) went out of business XXXX of XXXX  & Westlake Portfolio Management took over all payments and finances. My concern is my payments havent been reflecting my principal balance & im paying more in interest since Westlake portfolio took over my payments. I have over 1,
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX Balance : {$820.00} XXXX  XXXX Balance : {$550.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I already filed a complaint over this company, and they said they were going to close this case and take it off my credit reports. Due to it being identity thief. 

I received a letter today XX/XX/2018, that they were going to open an investigation again. the letter was dated XX/XX/2018 2018
Product: Credit reporting or other personal consumer reports

Experian is reporting an account and balance that do not belong to me. The XXXX XXXX  account ending in XXXX is not mine. This account and balance are fraudulent and are a result of identity theft. I have attached all the necessary documentation to support the removal of this account, which has been an ongoing issue for several years. Experian continues to remove this account from my credit report only to reinstate it later. This repeated action is a violation, and I want to reiterate that this account and balance do not belong to me.
Product: Money transfer, virtual currency, or money service

I paid Western Union {$240.00} on XX/XX/2018 for a transfer of {$210.00} to XXXX, XXXX. When my fiance tried to collect, she was denied, without even being given an explanation. The tracking number is XXXX. When I went back to the place of purchase, they called Western Union and told me that I had to send an e-mail with the tracking number and a picture of the identification, current address, and place of birth. after collecting this information from the recipient, I sent the email. after 2 days I still had not heard back from them so I called their customer service. I spent most of the day on the phone with them, being transferred back and forth. I repeatedly asked to speak to a supervisor and each time I was transferred to a line that just rang continually with no response. The last time I called, my tracking number was not even recognized, nor was the phone number that is associated with the transaction, ( yes I entered the right number, I did it twice ). Western Union has taken my money 6 days ago, and when I tried to get it back, was told that I could not get a refund. As I write this, it is Friday, XX/XX/XXXX. So not only have I been defrauded, but this has also ruined XXXX because they told me that this could not be resolved for many business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX is reporting information of institutions that have not conformed and are currently reporting in non-compliance with Gramm Leach Bliley Act statutes. By publishing these non-compliant account ( s ) on my credit profile and distributing them to 3rd parties EQUIFAX is INTENTIONALLY DAMAGING my reputation, infringing on my unalienable rights to privacy and damaging my credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

The below credit check happened on my account but I did not ever contact this bank nor did i apply for a care credit. 

I contacted the bank and they couldn't find application under my name and social Date on report : XX/XX/2019 Institution Information Syncb XXXX, FL XXXX
Product: Money transfer, virtual currency, or money service

I am writing to inform my concerns with Zelle. I had many concerning transfers through Zelle. However they failed to reimburse me or investigate my concerns. I had to close my account with XXXX  XXXX XXXX due to serval discrepancies.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes ( XX/XX/2019 ) by means of a Credit Repair Organization,  Transunion has failed to respond. They have violated the FCRA, it has been more than 30-days. Please see the items below ACCOUNTS XXXX XXXX not mine XXXX/XXXX XXXX not mine
Product: Mortgage

Before and since my scheduled home sale closing on XX/XX/XXXX, I have made repeated efforts to find out why I was charged {$6100.00} by LoanCare in interest aside from the unpaid balance on my conventional loan. I repeatedly emailed XXXX XXXX ( VP of Consumer Communications ) and XXXX XXXX ( Head of Compliance ) and my efforts to understand why I was charged this additional amount were completely ignored. I had a 30 year conventional loan - there should have been no charges incurred in early payoff. This company has been a never ending, unethical nightmare to deal with. This is the 3rd CFPB complaint I have had to file as none of my efforts in dealing with them directly have been successful. I want a valid explanation of this charge and if it was calculated and levied in error, I want a refund processed immediately.
Product: Mortgage

XXXX XXXX, the administrator of my Lakeview fixed/adjustable mortgage did not adhere to the terms of the Note as they applied a " recalculation '' late in the annual rate change cycle. Initial rate change was effective XX/XX/XXXX. Using XXXX XXXX, XXXX XXXX adjusted rate from 3.625 % to 5.000 % as per terms of Note. XXXX XXXX is negligent in adhering to subsequent terms of Section 4 ( D ) which state " Thereafter, my adjustable rate will never be increased or decreased on any single Change Date by more than XXXX percentage points from the rate of interest I have been paying for the preceding 12 months. '' XXXX XXXX response was the XXXX, XXXX discontinuance of XXXX prompted their use of XXXX to recalculate the interest rate from 5.000 % to 7.500 % which became effective in XXXX! I never received notification of this change although a copy was included with their response to my appeal. XXXX was in effect per the Note at the time of the initial Change Date ( rate 5 % ) which should have been locked for 12 months. The company took the liberty to use this " recalculated '' interest rate and add .750 % more as part of the allowable one-year rate change & still appear to be within the Limits on Interest Changes in Section 4 ( D ) - see above. The new rate effective XX/XX/XXXX is 8.250 %, from 5 % to XXXX. XXXX XXXX 's actions are despicable & unlawful.
Product: Debt collection

On XX/XX/2018 I received a notification from XXXX that my credit report had changed and that a new collection in the amount of XXXX from XXXX XXXX XXXX ( ERC ). I called ERC to find out where this collection came from and after collecting my name and Social Security Number they stated that they could not find it in their system. I was told to send an email with a screenshot of the collection from the credit bureau to them and at that time they could determine the etiology of the debt. I informed them that this was ridiculous since they were the agency reporting me, yet they could not find me in their system. At the same time, I asked them why there had been no attempt to collect this debt as I have not received any correspondence in writing. In fact, I was blindsided with this credit ruining collection. The agent on the phone had no response. After the phone call I attempted to take a screenshot of the collection, but was prohibited by XXXX due to their privacy. Two days later, I called XXXX XXXX on a different phone number to see if they could tell me where this collection was coming from and once again they could not find me in their system from my name and phone number and they informed me to send the credit reporting information to them by email and then they could find the debt. 
Finally, I am disputing 2 things. The first is that there was no effort to collect this debt. I have not received any correspondence by mail or telephone from ERC with an attempt to collect this debt. If they had made an attempt to collect the debt they would have had my name or phone number in their database. The second, is that I believe that it may be an invasion of privacy to request the debtors information from the credit reporting information as a way to validate the debt. In any event, if this debt is mine, I would like to pay it and since there was no attempt to collect the debt, I want it removed from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX  # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX  # XXXX, has violated my rights. 
XXXX # XXXX, has violated 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX  XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX  XXXX XX/XX/2022 XXXX has violated 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 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

This company northwood asset management has repeatedly contacted me and other XXXX party persons not associated with the person they attempting to collect a debt from. When asked to stop and told they can not call us they have threatened and used obscene language and threatened us. When told this is not the number to contact said debtor they insist we must give them information about us and the person they are attempting to contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe my account was hacked
Product: Credit card

I sent a dispute letter to the XXXX XXXX XXXX XXXX Credit Card XXXX, about a purchase I made that was stolen, I included the police report and also sent the letter certified mail and it was delivered XX/XX/2023. 
Despite the XXXX period having elapsed, I have not received any response from the company. The purchase in question was initially authorized, but the subsequent theft has led to this dispute. 
I kindly request your intervention to facilitate a prompt and fair resolution to this matter.
Product: Mortgage

I received a phone calls from someone's personal cell phone who refuses to leave a message but is calling about my mortgage. I also received a threatening letter dated XX/XX/XXXX from TMS The Money Source saying that my XXXX mortgage payment was due XX/XX/2020 and " the total amount due on your monthly mortgage is {$2300.00}. This includes a late fee balance of {$1300.00}. '' First of all, the mortgage company is trying to capitalize on a common misconception. While the grace period is 15 days before a late fee is added, I have 30 days to pay the month 's mortgage for XXXX ( {$970.00} ) before they may report to the credit bureaus and take adverse action. And I have already scheduled the XXXX payment for XX/XX/XXXX. 

Secondly, TMS 's online payment system allows me not to include late fees in my monthly payment. 

Third, I have requested from the mortgage company to waive the late fees due to economic impact from COVID-19, and they have refused to do so. 

Instead, they are abusing their costumers who have been impacted economically. 

I want the late fees waived, the phone calls ended, and the threatening letters to stop, or I will contact the local news and my district representative XXXX XXXX. I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience with this mortgage company.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 an identity thief transferred {$35000.00} out of my Citibank Checking account to an account at XXXX XXXX. Thief then withdrew all funds from XXXX XXXX account. Theft was reported by me to Citibank on XXXX.Citibank conducted a fraud investigation and on XX/XX/2019 declared they would not responsible for refunding me the money, stating XXXX XXXX was responsible. XXXX  XXXX  believes Citibank is responsible for refunding me the money. Neither bank is giving me back my XXXX THOUSAND dollars, instead they are pointing fingers at each other. 
I have filed a report with the FBI, the local police department and the New York State Attorney General. I believe Citiba is trying to offset liability to XXXX XXXX but the legal obligation to make me whole lies with Citibank.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX reported on my credit an account opened XX/XX/22 for the amount of XXXX. This account DOES NOT BELONG TO ME. Please remove from my credit report immediately.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Transunion for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Transunion for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have previously disputed the accuracy of this charge off account with Transunion and provided evidence that the information is inaccurate. However, Transunion has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Product: Checking or savings account

When i moved overseas capital one bank denied me access to online services, wire transfers services, and other important services. they refused to provide me alternatives to access these services thus causing me financial damage. Then, recently they put a hold on my account for no reason making me bounce a XXXX payment on my credit card. I want to put a formal complaint against them
Product: Credit reporting or other personal consumer reports

This is a formal request for the removal of the late dates associated with the disputed items. Despite my efforts to have this inaccurate and incomplete reporting verified by the data furnisher, no resolution has been reached. I respectfully urge XXXX  to comply with the legal mandate outlined in the FCRA and update the account listings in my consumer file. 

After receiving a notice of dispute from me, XXXX informed me that the account had been verified. However, as I knew the information could not be verified, I proceeded to dispute it directly with the data furnisher, as permitted by the FCRA. Despite multiple dispute attempts with the furnisher, no proof or response has been provided. 

XXXX XXXX XXXX and XXXX XXXX  XXXX.
Product: Credit card or prepaid card

after reviewing a statement of my credit card charges I saw a number of charges to XXXX. I knew these couldn't be correct since I don't have an XXXX account nor have I bought anything from XXXX in at least 15 years. 
I called Bank of America and told them about the fraudulent use of my card and asked for a new one. They then checked and found aprox {$1500.00} XXXX charges going back several months. the charges had been small and hidden over several months up until the last month where there was 3-5 charges a day ... very obvious. If the criminals hadn't jumped up the charges to 3-5 a day I might not have seen them.

So BOA started a fraud " investigation '' but in reality they just looked at their contract and saw I only had 2 months to report fraud charges on my card, or two billing cycles as they call it. so that's where the " investigation '' ended and they simply dropped it and said no you don't get this as fraud.

so I called them and they explained this absurd situation to me. I then said well there is at least two billing cycles in there that can be valid fraud. why cant we submit for those two cycles ( XXXX XXXX XX/XX/XXXX )? The person I talked to said no they wont do that because the fraud is all one case dated back to XXXX of XXXX. I was told they wont separate the fraud into two claims. SHE PATIENTLY TOLD ME THERE WAS NOTHING I COULD DO BUT BASICLY PAY THE FRAUDUANT CHARGES AND BE DONE WITH IT.

So they didn't do an Investigation. they don't care that it was fraud unless they can use it to make me pay for charges I didn't make, they wont work with me to separate out the two, by contract cycles of fraud.This is why so much Fraud happens. the trash gets away with it. BOA has no interest in helping the consumer ever since they " transitioned ''. There is no reason not to separate out the charges that are contract viable. They just don't feel its worth their time. So what if it cost a consumer hard earned cash, no problem for them right? And BOA gets to charge more interest on all those fraud charges so it a win/win for them.
Product: Checking or savings account

Today, XXXX XXXX, I am unable to access my pension account from my bank. {$2200.00}. They closed the savings account that the pension normally went into, and they are holding my money, and will not give it to me because it is in a closed account. I need to buy food, get gas, and pay bills. I am in no position to wait, like they are saying have to. They caused this problem and now they wont give me my money. This bank is XXXX.