23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Our mortgage was sold to this company in the middle of a loan modification/forbearance process. Once we had sent in all of the needed documents ( twice ) it took a few months to finally hear anything back. I had to call and call to get any sort of answer. When everything was finally settled. At the end of XX/XX/XXXX I was informed over the phone that everything was done and our first payment would be due XX/XX/XXXX. We had decided to go ahead and make a payment in XX/XX/XXXX for the XX/XX/XXXX due date so we would be ahead a months payment. I had to call in to make the payment of $ XXXX, again she confirmed that payment would be for XX/XX/XXXX. In XXXX I went to make XX/XX/XXXX payment and again had to call in because online payments could not be made for our account because something was not completed on their end. I was assured that it should be fixed by our next payment. I noticed a couple weeks after that our account was showing delinquent. I then called again and was informed that she had escalated the issue and it would be fixed. After about a week of not hearing anything I called to check and was told she had gone on vacation and forgot to follow up on the issue. Again she escalated the issue. With one of the conversations with this same person she was very rude talking and yelling over me. I then ask to speak to her manager and had to leave a voicemail. Did not hear back. We have made three payments now of $ XXXX and still are being told we are delinquent. I have tried multiple times to have this issue resolved. Left another voicemail today with her manager XX/XX/XXXX. 

As of today we have made XXXX, XXXX and XXXX 's payments but are being told we have only made XXXX, XXXX and XXXX.
Product: Debt collection

XXXX XXXX XXXX, XXXX is a debt collector. We are trying to collect a debt that you owe to Lvnv Funding Llc. We will use any information you give us to help collect the debt. 
Our information shows : You had a XXXX XXXX  account which has been sold to Lvnv Funding Llc with account number XXXX. 


As of XX/XX/XXXX, you owed : {$160.00} Between XX/XX/XXXX and today : You were charged this amount in interest : + {$0.00} You were charged this amount in fees : + {$0.00} You paid or were credited this amount toward the debt : - {$0.00} Total amount of the debt now : {$160.00} How can you dispute the debt? 
Call or write to us by XX/XX/XXXX to dispute all or part of the debt. If you do not, we will assume that our information is correct. 

If you write to us by XX/XX/XXXX we must stop collection on any amount you dispute until we send you information that shows you owe the debt. You may use the form below or write to us without the form. You may also include supporting documents. We accept disputes electronically at XXXX XXXX XXXX 

What else can you do? 
Write to ask for the name and address of the original creditor, if different from the current creditor. If you write by XX/XX/XXXX, we must stop collection until we send you that information. You may use the form below or write to us without the form. We accept such requests electronically at XXXX XXXX XXXX 

Go to XXXX to learn more about your rights under federal law. For instance, you have the right to stop or limit how we contact you. 

Contact us about your payment options : XXXX XXXX XXXX  Pngase en contacto con nosotros para XXXX XXXX XXXX de Notice este formulario en espaol. 

Notice : please see below for important information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the ongoing victim of identity theft. I monitor my credit bureau reports and have had credit accounts taken out under my name. Ive notified the creditor and credit bureaus as well. The actual creditor is not removing the fraudulent account from my credit report and the credit bureau is ignoring my federal rights under the FCRA section 605b asking that fraudulent information be blocked from reporting on my credit file but instead only resubmitted the information to the creditor who then re verified the information and leaves it in my credit profile as a derogatory account. 
I have enclosed my current copy of my valid police report to substantiate my identity theft case. I have also filed a Identity Theft report with the FTC. It is a XXXX XXXX account through Comenity Bank.
Product: Mortgage

I have a mortgage for a condo in XXXX XXXX IL. My mortgage was initially through XXXX XXXX, it was sold to Mr. Cooper powered by XXXX XXXX in XX/XX/XXXX. My mortgage gets raised every year to due to an escrow shortage, but it appears to me the increase in price is wildly disproportionate to the actual tax and home owners insurance increases. I am unclear how or why I ever fell into an escrow shortage, as I have never once missed a mortgage payment. This year in particular, the mortgage raised by {$1900.00} for the year while my home owners insurance went down and taxes have only raised by {$41.00} so far. I am also observing some discrepancies between statements and I'm unclear where those are coming from I initially called my mortgage provider regarding this issue on XX/XX/XXXX and spoke with XXXX. She told me that the mortgage had gone up because they had it marked in the system that the second installment needed to get paid in XXXX, when it actually needed to get paid in XXXX. She noted that change and told me the escrow payments should drop. on XXXX I observed the payments hadn't dropped so I contacted my mortgage provider again. On this day, I spoke with XXXX. XXXX told me that XXXX was misinformed, she stated that there were XXXX main issues. I initially fell behind because the tax rate was calculated incorrectly when I first signed the mortgage, so there wasn't enough getting put in the escrow to begin with. Another issue is that my account wasn't meeting a minimum balance requirement. She could not explain to me what the minimum balance requirement was, how that was calculated, or when or how I fell below that. I am still confused about what that is. 

In reviewing my statements today to write this complaint, I also observed a discrepancy between my XXXX escrow statement and my XXXX escrow statement My escrow statement in XX/XX/XXXX stated my final end balance for XX/XX/XXXX was {$1900.00}. The XXXX XXXX statement says that the starting balance for XXXX was {$1400.00}. There is nothing documenting where those {$500.00} in funds went. 

I also observed a weird discrepancy between the tax bill I pulled from the and the escrow statement. The mortgage statement states that they paid {$2000.00} in taxes in XX/XX/XXXX, but the tax statement from XXXX XXXX XXXX says they received {$1800.00} in XX/XX/XXXX. 

I would like a third party professional to review my documents, help me understand the escrow calculations, and explain the discrepancies I am finding please.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



CLOSED ACCOUNTS : XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/2023 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Subject : Complaint Regarding Chase Banks Handling of a Dispute for Non-Delivered Item Dear Sir/Madam, I am writing to file a complaint against Chase Bank concerning a dispute I filed for an item I never received. The item in question " XXXX '' was scheduled for delivery to my home on XXXXXXXX XXXX. However, I did not receive the package. After realizing the item had not been delivered, I contacted the company multiple times via email to resolve the issue, but I received no response. 

As a result, I submitted a formal dispute with Chase Bank, explaining the situation. To my dismay, two weeks later, Chase denied my dispute, citing the tracking information, which indicated that the package had been delivered. When I called Chase to discuss the matter further, I was informed that even if the item had been stolen from my property, they are not responsible for items that go missing after being marked as delivered.

I find this response unacceptable. I should not be held responsible for an item I never received, whether due to theft or any other reason beyond my control. Chases refusal to assist, despite my efforts to address the issue with the seller and provide all necessary details, leaves me without any resolution or compensation.

I kindly request that the XXXX XXXX XXXX assist me in addressing this issue and helping me hold Chase accountable for not protecting their customer from a loss. I am seeking a fair resolution where I am not held responsible for a product I never received. 

Thank you for your assistance in this matter.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX AV XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX & XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$650.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$7200.00} XXXX  XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to express my deep concern and disappointment regarding the persistent challenges I am facing in removing fraudulent items from my credit file. Despite multiple attempts to rectify this issue, the fraudulent entries remain, adversely impacting my creditworthiness. As outlined in my initial complaint, I reported unauthorized and fraudulent items on my credit file to XXXX Credit Bureaus. Subsequent to that, I have made additional attempts to dispute and rectify these inaccuracies. However, to my dismay, the fraudulent items persist on my credit file, causing ongoing distress and financial implications. I understand the importance of a thorough investigation in cases of fraud, and I appreciate the efforts taken to maintain the integrity of credit reporting. However, the prolonged presence of these fraudulent entries is not only detrimental to my financial standing but also a source of great frustration. I kindly request that you escalate this matter and conduct a comprehensive investigation into the fraudulent items on my credit file. I have consistently provided all necessary documentation and information to support my claim, and I believe that the resolution of this matter is long overdue. It is my expectation that XXXX Credit Bureaus takes immediate and effective action to rectify this situation. I request clear communication regarding the steps being taken to address this issue, and I insist on receiving a specific timeline for the removal of the fraudulent items from my credit file. I am asking for your assistance to remove these fraudulent items in my credit file : 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 Opened XXXX. XXXX, XXXX Balance : XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : XXXX XXXX Opened XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$16000.00} XXXX XXXX XXXX Opened 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  Opened XXXX. XXXX, XXXX Balance : XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : XXXXXXXX XXXX XXXX Opened XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have a mortgage with USAA, which is being serviced by XXXX. I have attempted to make extra payments on my loan in hopes of lowering my interests and shorten the terms of my mortgage. Rather than applying all payments towards my mortgage, USAA through XXXX, does not apply payments as they are received. Instead, my money is placed into an unapplied account. This means USAA applies only 12 of my 13 payments, which does not lower my interest or shorten the life of the loan. I have complained about this process with the CEO of USAA and other executives. I ca n't up and move my mortgage, which USAA knows. USAA also will not change the servicer of my loan. This prevents customers from paying off the loan sooner and keeps money in the banks pockets.
Product: Credit reporting or other personal consumer reports

Credit report from XXXX and Experian either has not been updated or reported accurately from XXXX to these two credit bureaus. XXXX has been updated accurately showing this mortgage from XXXX has been closed and satsified as of XXXX
Product: Credit reporting or other personal consumer reports

I started a dispute with Equifax credit agency for inaccurate reporting. I provided them with proof of the errors but they refused to remove the extremely deceitful account from my credit report. This is unacceptable
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a Citibank credit card for years, account number XXXX XXXX XXXX XXXX. Unfortunately in XX/XX/XXXXI ended up in a divorce. The Courts gave me ALL of the marital debt, at the same time I lost the job I had had for years. I used up all of my savings and resources by the middle of XX/XX/XXXX. I contacted Citibank NUMEROUS times in an attempt to work out some kind of payment plan but no agreement could be reached. Finally I gave up and turned my account over to a consumer debt settlement company and In XX/XX/XXXX, began making monthly payments upon acceptance of the {$9900.00} settlement of the {$28000.00} balance. At that time my account correctly showed that you had charged off my account or at least XXXX as a loss and my credit report correctly reflected this. 
However, Citibank continues to show this every month on my credit report statement and this is not the true reflection of my account at present. Citibank agreed to a settlement and I am paying this settlement as agreed. I respectfully requested numerous times that you simply reflect accurately the current state of my account. As recently as XX/XX/XXXX of this year Citibank continues to report my account status as delinquent 90 days+.
Product: Credit reporting or other personal consumer reports

I have disputed several delinquent accounts that are in collections on my credit report. My information was stolen by hackers in several data breaches. My credit has been bad ever since.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX, and I have tried numerous times for this fraudulent account to be removed off of my credit. I sent in packets with my police report asking for information in reference to this account and I haven't yet to received anything back. I have reached out the agency who stated I have there debt as well but I have not received any information back. This account is on my XXXX credit report and is stopping me from purchasing my home. Please help and assist in removing this fraud collection account on my credit report. 

Account Company : National Credit Systems Account Number : XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX Thanks, XXXX
Product: Debt collection

XXXX XXXXComenity Bank failed to give me proper validation of this debt. 

I mailed XXXX XXXXComenity Bank a debt validation request on XX/XX/20 certified mail # XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

YOUR COMPLAINT I am filing a complaint against XXXX, Transunion, and XXXX XXXX XXXX XXXX. I have contacted them on multiple occasions and a quick fix is done, but it reverts back to either reporting another persons information or not at all. Specifically with XXXX, after removing again someones information they state had a name similar to mine but a different social security number now approximately 2 months ago, XXXX has decided to completely stop report my credit score completely. Because if they actions as stated above I have been denied credit and charged higher interest rates. I have been denied credit and have paid higher interest fees because of their misreporting and may take legal action if it is not remedied immediately. Include a copy of your drivers license, social security card, proof of address, and the attached screenshot. Please let me know if you have any questions. XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX  XX/XX/XXXX, and XXXX XXXX XXXX XXXXXX/XX/XXXX. Please remove these things off my credit report they do not belong to me. Highest Regards, XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX allerted me that a Capital One CC was opened in my name by someone that I did not apply for, it was approved on XX/XX/22 and mailed out to someone on XX/XX/22, we notified Capital One on XX/XX/22 and it was cancelled by their fraud dept.
Product: Debt or credit management

Yamaha motor finance and one of their dealer ships ( XXXX XXXX XXXX XXXXXXXX GA ) have managed to get me again and put me and my family in a tough spot for making the mistake of giving them a second chance. Purchased a XXXX : Yamaha grizzly 700 ATV Ended up coming to a deal and figured they would not make the same mistake twice. I own and made on Time payments on ATV until it was picked up by a employee of XXXX XXXX on an agreement to sell the unit back to the dealer. We came to an agreement on numbers and I ended up selling the unit to them. They failed to send the check in time for payoff and they failed to send the check to the correct address for payoff and has negatively affected my credit once again. In XXXX I bought a Yamaha r1 and it took until XXXX of XXXX for it to come off of my credit and Yamaha to admit their fault I trusted that they had learned from the mistake before and I could do business again with them I was wrong. Pay off was sent so late that it dropped my credit score and constantly I am having Yamaha call me to make payments on a unit I no longer have. The level of disrespect and embarrassment they have put me through over these years is unacceptable. My credit is important to me and my family and not once but twice has Yamaha ran me over and not cared about nothing but the dollar that they already have in this situation.. I was declined on two different applications because of this nonsense and would like for it to be handled immediately Yamaha financial services should not be allowed to do business how they want when they want there are rules for a reason I made my payments in good faith and let them pick up the unit in good faith.
Product: Vehicle loan or lease

I had bought a car from US Auto Sales l. I have been honoring my end of the contract and they have not. My vehicle is not operational and has not been operational since the company went out of business. I really need this matter resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, and I hope all is well. While reviewing the credit profile to XXXX/XXXX/XXXX, the number of uncertain tradelines continues to be placed when the debt is unknown to the credit profile. XXXX XXXX XXXX hired a third-party collection Enhance Recovery XXXX to report an item on the credit profile. The continued actions have violated the Federal Credit Reporting Act.

With continued failed practices, this is a violation of the law, which decreases my credit the score and creditworthiness.
Product: Credit card

I called Capital One last month to pay off my account in full. The customer service rep gave me a figure, I paid it and intended to close the account. This month I got a new bill, with the interest amount accrued during the billing cycle before I paid off the card. I have since paid this ( very small ) interest amount and closed my account. I believe the customer service rep should have provided the total of that additional amount due when I called last month, especially since I informed him I intended to close the account. In my experience, Capital One takes every advantage to squeeze fee income from its customers. It would n't surprise me to learn that not disclosing the accrued interest is a company policy, based on some behavioral economic or algorithmic calculation, to take advantage of customers who think their account is closed so that Capital One can impose a late fee over some piddly interest amount - in my case it was {$2.00}. Capital One will never again be in my wallet. 

PS : When I called the Capital One customer service rep this month to learn why I was being charged this additional amount, I also asked what federal regulator I should contact to complain about the company 's service. After putting me on hold for several minutes, she came back on the line and said she could n't find out what federal regulator I should contact but did suggest I file a Better Business Bureau complaint. Capital One customer service reps do not know the company they work for is regulated by the Consumer Financial Protection Bureau and can not tell a customer that - really?