23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

2018 XXXX and Bank of America are attempting to set a dangerous and unfounded precedent of discrimination aimed at law abiding consumers. Bowing down to pressure from political anti XXXX interests is discrimination against millions of americans based on nothing more than political pandering by anti XXXX groups who wish to harm efforts of law abiding consumers to exercise their Second Amendment rights GUARANTEED in out Bill of Rights. Since when does attempting to manipulate major banks come into play where national policies are concerned in the realm of political law making? These two banks are acting out of bounds for their purposes. Being used by one political group to damage another political group is illegal discrimination period. There is no place in the House or Senate for this type of activity which is heading down a path of precedence that, if not curtailed, has the potential to cause irreparable damage to our nation and allow any political agenda access to banking manipulation for every pet peeve some group may have against another.
Product: Checking or savings account

I called chase to dispute XXXX transactions. Two transactions were fraud and one transaction was canceled on the same day just minutes after purchase because I wanted to use another company 's product. 

XX/XX/2021 - {$280.00} ( reported as fraud by me ) XX/XX/2021 - {$100.00} ( reported as fraud by me ) XX/XX/2021 - {$140.00} ( reported as canceled with the seller on XX/XX/2021 by me and I was informed I would be refunded ). 

The bank disputed the transactions and applied a temporary credit and told me I would be contacted to get further information with their investigation. On XX/XX/2021 the temporary credit they applied was reversed, I called the bank to see why my credit was reversed. The claims representative told me that it has been over 60 days since the transaction happened so they will not dispute it and I should have called within 60 days of the transaction happening. It was very much impossible for me to call in at the time because my family has been dealing with XXXX and XXXX deaths in the family for the entire year of 2021. Also just so you can understand how crazy of a year it's been, locally we are still under a state of emergency, and national we are still under a state of emergency. If they contacted me during their investigation I would have definitely been able to explain that XXXX has been impacting me and my family.
Product: Mortgage

We refinanced our existing mortgage from NewRez to another mortgage company and closed on XX/XX/2020. We have tried numerous times to reach out to NewRez to get our escrow refund of over {$3300.00} and any other over charges. We were left on hold for over 40 mins to then be disconnected. We have done this numerous times and have also left message. We have yet to get a response.
Product: Mortgage

BMO Harris has unnecessary borrower authorization practices. The company mandates borrowers to utilize a personal pin in order to speak to their customer service agents. This is the only creditor I have that requires this. If I forget the pin, BMO Harris subsequently requires me to submit a written letter that must be signed and notarized. This results in me spending money for a notary fee and waiting several days for BMO Harris to process my notarized letter. I am on XXXX  and it can be difficult for me at times to travel to find a notary. The reason for my call was only to confirm if BMO Harris was in receipt of payoff proceeds from the sale of my house and to ensure they have my correct mailing address.

Additionally, I have yet to receive any periodic statement during the time BMO Harris serviced my loan.
Product: Debt collection

Amsher collections made a derogatory remark on my credit report on a debt that is completely false. These are predators who attempt to collect false debts and they make false remarks when they can not collect on these fake debts.
Product: Credit reporting or other personal consumer reports

I need these fraudulent accounts removed from my credit report as they have retained me from obtaining credit.
Product: Money transfer, virtual currency, or money service

Requested wire transfer from my Marcus Goldman Sachs on morning of XX/XX/XXXX to another domestic bank account I own. Money has still not been returned to me as of afternoon XX/XX/XXXX. Customer service is unhelpful in answering why or what is preventing the wire from processing, despite the transaction being approved. 

They will not cancel the wire and send another way, so my funds are stuck in limbo until they resolve. They told me I have no recourse except wait for the wire to process.
Product: Checking or savings account

My financial advisor left Merrill Lynch in XX/XX/XXXX. Since that time no service has been rendered. Despite this, ML has continued to charge a 1 % management fee on the two accounts I hold there. I requested a refund of the charges ; and XXXX XXXX, the VP in charge of the region, agreed to reimbursement, provided I sign a general release and move my accounts to another financial institution. In and of itself, the release seemed unwarranted. She then began demands for a W-9, thus making the reimbursement taxable. This a refund of my own money. It is not any form of compensation, thus my reluctance to agree. 

On XX/XX/XXXX, Ms. XXXX sent notification that ML 's offer had been rescinded because I had failed to act sooner. I was completing a rigorous Master 's program, about which Ms. XXXX was aware, and did not have the bandwidth to deal with her high pressure tactics. After several subsequent emails she gave me until today to settle the matter ; however, she is unwilling to forego the W-9. 

This whole situation has been stressful and time consuming. ML should have reimbursed me as agreed. Their failure to do so has resulted in a significant amount of lost time which equates with opportunity cost.
Product: Student loan

I was applying for a home and when they pulled my credit Ascendium ED Solutions-XXXX is showing my account as being a paid collection. THIS IS ABSOLUTELY WRONG. I have always paid my loan on time. They servicing had changed hands several times and I made sure I kept track of the loan and payments. I was never late.
Product: Mortgage

this complaint shall follow complaint number XXXX XXXX XXXX sold the servicing to XXXX XXXX on and about XXXX according to XXXX XXXX the escrows were never transfered which put the account in a deficite and increased the mortgage balance up {$22000.00} + made several attempts to resolve the escrow dispute. i was told by them that it was my responsibility to make sure that the escrows were transferred from XXXX XXXX to XXXX XXXX that caused the mess that i/we are in currently. facing foreclosure, please if possible stop that action as i currently have refinance in place to take out XXXX XXXX however, the payoff is the dispute, if you could help me drill down the exact figures required to pay off XXXX XXXX because of all the past problems. <P/>made several attempt to bring mortgage up to date and they refused the money.
Product: Mortgage

Summary of Complaints : 1 ) My mortgage servicer Mr. Cooper incorrectly debited an extra {$1300.00} from my escrow account. 
2 ) An inaccurate escrow analysis resulted in an excessive increase in my monthly escrow payments. 

Details : On XX/XX/2022, Mr. Cooper debited {$1300.00} from my escrow account as a disbursement to my insurance company XXXX XXXX. However, this payment was never recorded on my insurance account. I spoke with my insurance agent on XX/XX/2022 and she informed me that Mr. Cooper had sent Foremost a single batch payment ( which included payment for my account and for other unrelated Mr. Cooper customers ) and this batch payment did not include any identifying information such as names or account numbers. She reported that this batch payment had been returned to Mr. Cooper and that Mr. Cooper was aware of their error. 

To avoid a lapse in insurance coverage, I called Mr. Cooper on XX/XX/2022 and explained the situation. The agent issued a duplicate payment of {$1300.00} which was successfully received and applied to my XXXX account. Mr. Cooper debited this duplicate payment of {$1300.00} from my XXXX account on XX/XX/2022 but failed to credit my account for the first returned payment made on XX/XX/2022. 

On XX/XX/2022, Mr. Cooper performed an escrow analysis using two incorrect values : 1 ) My escrow balance was {$1300.00} lower than it should have been and 2 ) my annual insurance premium was incorrectly calculated as {$2700.00} instead of {$1300.00}. I estimate that this miscalculation caused an additional $ XXXX ( $ XXXX months ) shortage payment that I am now being charged. 

I contacted Mr. Cooper in writing on XX/XX/2022 to explain the situation. The attached response promised an investigation but the service ticket was closed and no action has been taken to correct these errors. When I asked for a timeframe for resolution on XX/XX/2022, none was provided and my request was closed again.
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHED To Whom It May Concern, While checking my most recent credit report, I noticed 2 hard credit inquiries, 3 Accounts, and personal identification information that I did not authorize, I am unaware of, and believe to be fraudulently made by the following companies : Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX Account : XXXX Account Number : XXXX XXXX  XXXX Account XXXX XXXX  Account Number : XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report and believe these to be fraudulent. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I formally request that these fraudulent inquiries and Accounts be immediately deleted from the credit file that you maintain under my Social Security number. 

I called all companies involved, canceled or closed any products issued, and was instructed by these companies and XXXX to let you know formally with these instructions included. Ive attached an FTC Report # XXXX and FTC Report # XXXX, as well as my official License state ID, Social Security Card, and Proof of current Residency. If anything comes verified, show me both wet-seal signatures of XXXX, XXXX XXXX, XXXX, and myself and Original Security documents showing true accuracy. 

XXXX has deleted this information but Experian has not. this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. 
My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 

You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of receipt of the notice. 

Experian will be in violation of 15USC 1681n ; civil liability for willful noncompliance and 15USC 1681o ; civil liability for negligent noncompliance if chooses not to do so. 

The reporting of the inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes, and the reporting of this inaccurate information has damaged my livelihood. 


My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX
Product: Mortgage

On a letter datedXX/XX/XXXX, my mortgage company, Nationstar, sent me a letter informing me of a shortfall in the escrow account of my first mortgage. My accounts are impounded. It said that if I took no further action, the shortfall would be spread out in my monthly payments beginningXX/XX/XXXX. I took that to mean that my XXXX statement, due onXX/XX/XXXX, would be impacted to the tune of {$60.00}. This happens all the time and I understand and am happy to oblige. My understanding of this was further reinforced by the Mortgage Loan Statement I received from them with a statement date of XX/XX/XXXX, in the amount of {$1900.00}, my usual payment for the last year. That is the amount I put in to pay on my online bill pay service as usual. <P/>Today I called them to make sure that was correct, and was rather concerned that they said it was not correct. I owed them an additional {$60.00} as of XX/XX/XXXX. When I asked why, I was told that there was a shortfall in the escrow and I owed that money. I understood that and knew it was coming ... next month. And my statement from Nationstar, which is in effect a bill, said that for THIS payment I owed {$1900.00}, dueXX/XX/XXXX. Had I not called them onXX/XX/XXXX at XXXX PDT, I would never have known, until they had already reported me delinquent, that I owed an additional {$60.00}. While I can cover that amount, I have two problems with this : 1. My credit could have been negatively impacted through no fault of my own. 2. This business practice sets up consumers to be abused and harassed for things they did n't do wrong for an extensive length of time. My only saving grace is that I called to double-check. <P/>Personally, I have already begun looking for a new mortgage lender, because this level of incompetence is terrifying in the mortgage world and can potentially effect thousands of customers who may rightly take their mortgage statement at face value, as they should.
Product: Credit reporting or other personal consumer reports

EXPERIAN failed to enter the notice of dispute for the account XXXX XXXX XXXX. Congress states this is a violation of the FCRA.
Product: Mortgage

Chase 's mortgage statement ( XX/XX/XXXX ) states that we must pay {$9500.00} in the coming month and we owe {$9700.00} in escrow. We do not owe this. 

The NOTE and DEED OF TRUST state that : ( 1 ) all payments received by Lender shall be applied in the following order of priority : ( a ) interest ; ( b ) principal ; ( c ) escrow ( see DEED Section XXXX ) ; and ( 2 ) Borrower shall pay escrow according to RESPA within 12 months, either monthly or lump sum ( see DEED Section XXXX ). 

The accounting that follows the NOTE & DEED OF TRUST yields Book 1. There is no late payment, and no outstanding mortgage & escrow balance from XX/XX/XXXX through XX/XX/XXXX. 

Chase has ignored the NOTE & DEED OF TRUST and manufactured the above deficiencies ( see Book XXXX : Chase 's accounting ). Could you help straighten this up? 

Chase has been harassing us. They has made 500 - 1,000 phone calls ; and sent & gt ; XXXX letters of default ; & gt ; XXXX mortgage assistance application forms ; and XXXX or XXXX intent of foreclosure notices. We think Chase has been doing this to numerous homeowners in order to bilk them out of their money.
Product: Debt collection

I am writing to formally dispute the alleged following debt currently associated with my XXXX, XXXX, XXXX and XXXX accounts. XXXX XXXX XXXX XXXX XXXX XXXX {$350.00}. I believe that my rights under federal law are being violated, and I am disputing owing any and all debts purportedly held by these agencies. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to dispute the validity of any debt claimed I owe. Accordingly, I am requesting the validity of these alleged debts as required by federal law. XXXX ) Please provide a comprehensive validation of this debt, including a detailed account of how this amount was calculated. XXXX ) I request a copy of the original purchase order agreement between the collection agency and the original creditor, as proof of the debt 's origin and validity. XXXX ) Additionally, I am requesting documentation that demonstrates the agency is currently licensed and bonded to collect debts in my state. Furthermore, I hereby revoke any and all rights of any debt collecting agencies to communicate with me through text, phone calls, email. I am exercising my right to request that all future communications regarding this matter be conducted exclusively through written correspondence sent certified to my mailing address.
Product: Credit reporting or other personal consumer reports

I HAVE RECEIVED A COPY OF MY CREDIT REPORT, AND I NOTICED FRAUDULENT INQUIRES : 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 XXXX4
Product: Credit card or prepaid card

I had a dispute with a plumber for a rental property in Ga. I overpaid by around {$5600.00} in XX/XX/2019. I contacted Citibank. They told me I would get a credit but then told me my submission was not timely. I then appealed and the bank reopened the file but claim they lost my appeal papers. I have spent 5 hours w the bank trying to resolve the dispute. I am uploading all the detailed letters I sent to Citibank w all of the disputed transactions. 
The bottom line : 1 ) Citibank is not properly handling this dispute ; 2 ) Citi seems to have set in place a dispute mechanism that is cumbersome and does not work : putting aside long holds, the people who deal w consumers can not be heard as they are working overseas and the connections are awful ; 3 )  they send out notices about when a response is due but the letter often arrives AFTER the response date : this happened to me in XX/XX/2019. 
4 ) several times I asked to speak to a supervisor but w no success ; 5 ) legal recourse is impossible because of arbitration provisions and class action waivers : no consumer will hire a lawyer to deal w relatively small disputes and consumers can not join together because of the class action waiver ; Finally Citi seems to have purposely set up a dispute resolution program that is flawed because it serves their financial interest regardless of the cost to the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On credit report it shows that the company put a negative mark saying that there was no payment for XX/XX/2021. Which is now resulting in a lower credit score. Did pay that month. Have letter from company that they did receive the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

My payments are due on 1st of every month After I made a payment and the last day of the month ( XX/XX/XXXX for XX/XX/XXXX payment ) it was due and payment credited, best egg reported me over 30 days late when I paid the payment prior to the new payment becoming due now since they reported this inaccurate my credit drop 65 plus points
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I utilized my rights under various federal laws ( including 5 USC 6802 ) to send an opt-out request to Hire Right XXXX . The purpose of this request was to withdraw any consent, previously given in any form ( written, unwritten, verbal, and nonverbal ), for using and sharing my personal and/or financial information in relation to specific accounts on my consumer report and/or background check report. 

Detailed Legal Framework : 1. 15 USC 6802 ( Gramm-Leach-Bliley Act ) : This statute is a key provision of the Financial Services Modernization Act, which requires financial institutions to provide customers with a privacy notice that explains the information collected, where it is shared, and how it is used. Importantly, it provides consumers the right to opt-out of their information being shared with nonaffiliated third parties. My request to XXXX ( XXXX XXXX XXXX XXXX ) and Hire Right XXXX was based on this right. 2. Privacy Act of 1974 : This act establishes a code of fair information practices that govern the collection, maintenance, use, and dissemination of personal information about individuals that is maintained in systems of records by federal agencies. While primarily applicable to federal agencies, its principles are echoed in the consumer rights afforded under the FCRA, particularly regarding individuals ' control over their own personal information. 3. 16 CFR 313.7 ( Regulation P - Privacy of Consumer Financial Information ) : This part of the Code of Federal Regulations requires financial institutions to provide clear and conspicuous notice to consumers about their privacy policies and practices, describe the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties, and provide a method for consumers to prevent such disclosures by " opting out. '' 4. 15 USC 1605 ( Consumer Financial Protection Bureau portion of the Truth in Lending Act, also known as Regulation Z ) : This section of the Truth in Lending Act is enforced by the CFPB and governs the transparency of consumer credit transactions. The CFPB 's portion includes rules for fair handling of credit reports and ensuring accurate and fair credit billing and credit card practices. It also includes the enforcement of penalties for non-compliance with these provisions. My complaint relates to this law 's provision for enforcing fair and accurate credit reporting practices. Issues Encountered : Despite referencing these legal provisions in my opt-out letter and the ample time provided for the reporting agencies to respond and comply with my request, there has been no satisfactory acknowledgment or action. My personal, financial, and background reporting information continues to be handled in a manner that I believe is inconsistent with these legal provisions.
Product: Credit card

3 months interest free lowes/synchrony financing. 

Paid on time XXXX. 

Loan total= XXXX Synchrony duplicated payments to take over {$800.00} from my account. 

Per credit services- {$490.00} in duplicate payments were due to be credited as of XXXX. 

Despite multiple requests for credit to be issued, it took 5 separate calls over a week for their finance department to contact customer service and do that. This was supposedly done XX/XX/XXXX, with apologies to my experience and statements that it is happening to many consumers. 

However, on XX/XX/XXXX their customer service department reviewed the account and could not find a payment issue.- they have sent me written documentation of such along with maintaining records of the calls Ive made XXXX 

Had they not stolen my money, I would have received a check today rather than a letter that I need to again call them.
Product: Checking or savings account

I noticed yesterday that my pending transactions were going to put my checking account into the negative. It would've been the last largest transaction. This would result in 1 overdraft fee. This morning, the last largest transaction posted first before the smaller. This resulted in 4 overdraft fees instead of 1. The bank has consistently rearranged my  transactions from greatest to least regardless of how they arrived to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have a few Capital One credit cards with your company. I am writing to ask if i can have my credit reporting updated for my account ending in XXXX. I pulled my credit report and it shows late payments starting in XX/XX/XXXX through XX/XX/XXXX. I was in an accident XX/XX/XXXX which caused me to be hospitalized and miss my monthly payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. When i was finally able to return to work XXXX happened and i was impacted by that which then caused me to continue to miss payments ( XX/XX/XXXX and XX/XX/XXXX ). As you can see as soon as i was able to work, i began making my payments on time and only missed one more in XX/XX/XXXX when my contract abruptly ended for Covid. I am asking if you will please remove the late payments from my credit report. I have consistently paid on time since my hospitalization and Covid.