23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

LoanCare contacted me via a mailed, written Escrow Analysis on or about XX/XX/22. The document explained that my loan account had an escrow shortage of {$10000.00}. It further noted that I could submit that amount in full to correct the shortage and reverse the resulting increase in my monthly mortgage payment. 

I mailed LoanCare a check for the full amount of the escrow shortage of {$10000.00} on XX/XX/22. The funds were received by LoanCare on XX/XX/22. According to their records, {$7100.00} of the {$10000.00} was labelled as " curtailment '' and sent to the principal. However, the entire amount should have been applied to the escrow account instead. 

I contacted LoanCare initially through their online contact form on XX/XX/22 and asked that the {$7100.00} amount be re-applied to escrow. That request was unsuccessful as I was not recontacted by the company. 

I subsequently contacted LoanCare by telephone on XX/XX/22. I repeated my request and was told that the reversal or re-application of funds would be processed within 5 business days.

I re-contacted LoanCare by telephone again on XX/XX/22 as the re-application of funds had still not gone through. I was informed that the request on XX/XX/22 " was not clear '' and that the request would be submitted again with more detailed description.
Product: Checking or savings account

I bank with any federal credit union and I be getting overdraft fee
Product: Debt collection

I don't recall having a contractual relationship with NCB MANAGEMENT SERVICE Account Number : XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately, I had a late payment 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 date XX/XX/year>2023 Im now requesting you investigate and provide verifiable proof with records showing that I had a late payment if this information can not be verified I demand these payable updates to paid on time immediately.thank you for your understanding and prompt action
Product: Mortgage

Over two years ago I made a loan on a property to a " friend '' from my IRA. The " friend '' stopped paying on the loan and I therefore foreclosed on the property, XXXX XXXX XXXX, XXXX, Ca. XXXX. The XXXX on the loan was taken out by XXXX XXXX and the loan is serviced by Special Loan Servicing phone # XXXX. My escrow co., representative XXXX XXXX sent a Payoff request after the current trust deed with my name on it had been sent twice to Special Loan Services. They refused to release the Payoff statement, and insisted that I needed the permission of the previous owner, the one I foreclosed on because he was over two years in arrears on my loan. This is against the law, according to Cal. Civil Code 2924c ( a ) ( 1 ) and ( c ) and also Cal Civil Code 2904-2905 i.e. When a senior lien against a real property is in foreclosure, the holder of the junior lien has the right to reinstate the senior debt ... etc. which I am certain that your agency is familiar with. Then, after I threatened with the law, they sent the payoff request. However, when I faxed in my insurance co. authorization of the insurance on the property, they said they could not accept it without again the former property owner 's ok. Please straighten these people out_ I paid over {$18000.00} to " catch up '' with the mortgage, which the previous owner stopped paying on over 5 months ago. Special Loan Services refuse to 1. place my name on the mortgage, 2. release any information on the costs to me and 3 allow me access on their website for info. I am the owner now, yet do not have access to information-I have to pay yet they refuse to tell me about the charges. They will not accept my insurance and continue to have the insurance they chose on my loan. Please help me asap. Thank you, XXXX XXXX new owner of XXXX XXXX XXXX, XXXX, Ca. XXXX SLS loan no. XXXX. If you need any specific documents please contact me. XXXX, XXXX XXXX XXXX, XXXX, Ca. XXXX
Product: Checking or savings account

On XX/XX/year> I recieved a text that a fraudulent charge occurred asking if it was me. I called Charles Schwabe fraud dept. talked to XXXX. He noticed a wire transfer request and asked if I did that. No. He assured me he stopped the transfer and locked my account. Later that day my email from Schwabe showed XXXX wire transfers went through. Some XXXX  had taken my money out of my checking account, moved to my brokerage account and wired to XXXX XXXX {$7400.00}, {$9900.00}, {$22000.00}. I called Schwabe and was told an investigator would call me. Eventually the investigator XXXX XXXX said on the phobe schwabe would not be paying me. Something didnt make sense and i must have given my login and password out or some code. I did not. Also charges were made on my credit card again even though it was locked
Product: Student loan

On XX/XX/year>, I received correspondence from the federal government that my loans are being put on an administrative forbearance. This would include an interest rate of 0 % for the forbearance time. According to my student loan servicer website MOHELA, ive been gaining interest every single day since receiving that correspondence. So not only is my account not up-to-date. It is also different than the federal student aid website and if I make any payments during forbearance to help bring down my principal, some of it is going to go towards that interest that I should not even be accruing. I made a payment on XX/XX/XXXX. That half of it went towards interest again that I should not have accrued.
Product: Credit reporting or other personal consumer reports

I have noticed accounts in my consumer Disclosure report from EXPERIAN that has been furnished inaccurately. These inaccurate accounts contain incomplete, false, and misleading information. I am filing this complaint to ensure action is taken regarding this matter.
Product: Checking or savings account

Hello our Friday dispute with American Express serve on XX/XX/year> on my temporary car ending in XXXX. I received the temporary card from XXXX XXXX, but upon getting the temporary car, I was told by the agent that American Express will send me a personalized car in the mail. I also confirmed that they will be sending me a personalized car in the mail when I call the temporary number on the card however I never received my actual physical card. I ended up losing my temporary car which has no type of security on it at all. It doesnt even give you the proper alerts when someone uses your car. Its a temporary car interior car comes. It has no security whatsoever and these guys are refusing to grant my refund because they no error was found when I know an arrow was found someone used my temporary car and authorized over {$2000.00} transaction. I want my money back and they are refusing to give it to me. This company does nothing but scam people out of their money. They have no concern when it comes to their disputes and Im going to report them to every agency I can because I want my money. I did not take these funds out of my account and I would like them back. They need to stop giving their customers temporary cards and make sure that they have actual physical cards. They need to start doing check ups to make sure our customer receive their card callbacks any of that to ensure the security of the customer they do not have any type of security. All I want is for my refund to be granted in my decision on my dispute is turned over and granted in my favor because its not my fault that they did not issue a permanent car on time when I called to dispute my transactions they advise me that I did not even have a permanent card on the way. The agent literally had to put a request in for a permanent card that Im just now receiving today and still nothing is on my card. Still, the dispute is denied and it should not be my fault because yall should have locked the temporary car when I called and told You it was stolen and not in my possession you guys left it unlocked and now someone has access to my money and took all my funds and youre trying to tell me youre not gon na give it back thats not fair to me
Product: Debt collection

Diversified Consultants, Inc. pulled my credit report for no reason. There was a fraudulent account from XXXX that was opened under my name, but they did not collect on it ( another company did ). So they had no permissible purpose to pull my credit. They have a consent order in place from the New York Department of Consumer Affairs concerning their handling of collections, credit reporting, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in addition to complaint XXXX. I had more time to review my credit report and found more errors. Each of the credit reporting agencies are reporting different information. How can this be possible when all data furnished should be the same? This is a charged off account, but XXXX is reporting that I was late once, and the account became a charge off. We know that an account is not charged off after 30 days. XXXX is reporting that the account was a charge off but has exceptional payment history. How is this possible? XXXX is reporting that the account is closed with no payment history whatsoever. There are so many inaccuracies within this account, and I demand that it is removed immediately. I will attach the credit report for reference. Also refer to complaint XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payment accounts for months. Equifax refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP XXXX XXXX XXXX
Product: Mortgage

Flagstar Bank. They autodraft payments. I made balloon payments to pay off the loan. I left a small amount of principle remaining, so Flagstar can auto draft the remainder and close the loan. I discovered through my own research, that payoff required certified transfer of funds. There was no notice from Flagstar, and since the last payment was less than the automatic draft, the bank stopped drafting all funds, again without any notification. On the contrary, I received an email asking if I wanted to save {$1900.00} on refinancing the {$240.00}. That is evidence they know how to reach me. Also, I changed addresses before requesting the payoff amount ( via normal mail -- to ask for an e-mail occurs a {$30.00} fee, as it means loss of interest during transit from the Postal Service ). They sent the notice to the wrong address, and it expired before I could have my bank process it. Flagstar then assessed a late fee on the loan for a missed payment, which was missed as they didn't take it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in inquire letters, and called nothing was resolved. 
XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fcu 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 Dealer 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 Dealer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I had my tax check deposited to my venmo account well I had lost my card so I couldn't get my money out my account, then I don't bank with another bank to do a transfer so my sister gave me her debit card info I tried using it, but it was already linked to her venmo so they froze my account wanted verification. I sent them all my info and my sister 's, then I received a email they was closing my account and in 180 days I would be able to get my tax refund out their venmo account. But I feel like I didn't do anything wrong and they could at least give me my money .it 's my tax return that I was counting to buy a bigger ride for my family of XXXX..if u could help me get my funds back id greatly appreciated it
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX  || Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/XX/XXXX. XXXX || Date of inquiry : XX/XX/XXXX
Product: Checking or savings account

on XXXX XXXX a withdrawal of XXXX was taken out plus XXXX fee charge the next day XXXX, XX/XX/XXXXa withdrawal of XXXX was taken out my account twice the same day i called keybank and file a complaint and they said i would recieve a letter in mail and the denied me of refunding my money cuz they saying i was taking this money the last transaction i took out of my account was XXXX XXXX of XXXX and i have that recipt
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I hope you're well. Accounts below are the subject of this letter. This is on my credit report andaffects me greatly. Identity theft compromised my identification, thus these accounts appear on my credit record. Because they are not mine and I shouldn't be responsible for something opened without my knowledge, these accounts are really bothering me.
Product: Credit reporting or other personal consumer reports

Unknown inquires including a few companies I already had an account with. Looks like someone stole my mail and has been trying to open accounts. 

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
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2020, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX ( the Fraudsters or Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 

Money was transferred from my XXXX XXXX account in the total amount of XXXX USD utilizing PayPal services.
Product: Debt collection

On or about XX/XX/2019, I paid the outstanding balance on my Chase credit card in order to have a zero balance and close the account. Chase accepted the payoff check and even sent me a refund because they said I overpaid. Chase did not send me any new credit cards. I have not used the Chase credit card for at least a year. Chase continued to send me billing statements for charges/services I was not using and did not request. I sent them a payment today XX/XX/2019 under protest in order to stop their system from accruing more illegal interest and charges.
Product: Debt collection

I received a call today from a debt collector from this agency regarding a debt they claim I owe. I initially could not get to the phone in time so I called the number back. I was informed they were trying to collect a debt. I told them that I would prefer not to be called but would instead like to correspond via email or mail and asked for written confirmation of the alleged debt be sent to my home address they have on file. The collector said that the collection calls would continue and insisted on me submitting a post-dated check for the full amount of the debt to which I refused. I again stated that I would only deal with this matter once I received validation of the debt and they again reiterated that calls would continue. In addition this debt collector is This is not acceptable and therefore I am formally filing complaint against the collection agency and again requesting validation of the debt be sent to my address they should have on file. Once received and verified that this is indeed a debt I owe then I will make arrangements to satisfy the debt.
Product: Debt collection

Exeter finance and XXXX XXXX XXXX submitted fraudulent documents through courts and lied about properly serving me at my home when i was out of the city. I send both exeter finance a demand letter and their attorneys to remove all negative courts dockets including court fees and fines and also to remove all negative regarding to do eith this car account from c re dit bureaus. I attached proof showing their illegal tactics and how i forced them to reverse illegal court dockets. This will be my last attempt before i file lawsuit against exeter finance. They need to remove from bureaus exeter finance corp account by XXXX or i will file a lawsuit.
Product: Checking or savings account

On XX/XX/2023 I used a Wells Fargo ATM and made a deposit of {$2100.00} bringing my account balance to {$2500.00}. I received a receipt and what I assumed was my debit card and placed it in my wallet. 

On XX/XX/2023 I called the bank to check the balance on my card and realized that I had a negative balance of {$640.00} on my account. Soon after, I looked in my wallet and realized that the debit card that was returned to me by the Wells Fargo ATM on XX/XX/2023 was not my card, nor did it have my name or card number on it. 

On XX/XX/2023 I spoke to a Wells Fargo representative and she mentioned that on XX/XX/2023 in a Wells Fargo ATM, four different withdrawals had been made. The first of {$2000.00}, second of {$500.00}, third of {$600.00}, and fourth of {$50.00}. I mentioned that I did not make those withdrawals and that the machine did not give me the correct card back. The representative opened a fraud case regarding this issue and told me to wait 10 business days for the investigation. 

On XX/XX/2023 I logged in to my email and there I realized that seven other attempts were made on XX/XX/XXXX in other Wells Fargo and XXXX XXXX XXXX 

I called the bank to give them this information and there a representative mentioned that they had already done a less than 24 hour investigation and they are now closing the case. They mentioned that I must have taken out the money myself and that now on the other hand, owe them {$640.00}. They also told me to just throw away the card that was given to me by their ATM. 

Aside from speaking to the bank, both on the phone and in person on XX/XX/2023 I also went to the police station and made a police report regarding this issue. There the police officer kept the card that I received from the Wells Fargo ATM as evidence and helped me document everything mentioned above. I handed to him a copy of all my recent transactions as evidence as well. 


Wells Fargo does not want to help me, they closed the case and can not explain to me how my money was taken from my account or why their ATM gave me a card that was not mine. I believe a proper investigation has not been made to see if the machine was tampered with in order for me to receive a card that was not mine. Or a proper investigation has not been made in order to see who is the person who took out the money from my account. 

Please help me, I am now retired and that was all the money I had. My retirement check will be coming in soon and it will soon go to pay for the money that was stolen from me and the overdraft fees that Wells Fargo is now charging me as well. 

I needed the money I deposited to pay for my insurance and tax payment and now those charges have been declined by Wells Fargo and now I also have to pay interest with them as well.
Product: Debt collection

My information was obtained illegally. I have never consented to sell my collections or data to a third party collection agency. My information and personal data has been breached. The collections agency has abused my rights and threatened legal action, called phones used for work and not a landline after being asked to remove the phone from their contact and increased said collections. No written letter of debt was provided and no collections agreement statement was provided upon request. The original landlord was in breach of lease when move out was initiated. We toured and signed the lease for an apartment with all wood floors, new appliances and a balcony. When move in day came we were taken to an old apartment with rotting carpet, old appliances and no balcony. When disputed with XXXX XXXX  I was told that the woman who initiated the process was a temp and the apartment we toured, applied and signed for we couldnt have and the number listed on the lease was for the old one ( which was changed ). This collection has been disputed multiple times and has never been marked as disputed. This is a fraudulent case which is trying to illegal manipulate a false charge patent and will not provide documentation when requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. I have files a compliant with federal trade commission because of my knowledge I do not recall any of these accounts. I need this problem fixed ASAP! I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.
Product: Debt collection

XXXX XXXX send a debt to collections that was not true. I have email where they told us to leave the apartment because the apartment was not equipped for us to live in.