23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am writing to file a formal complaint against XXXX, the mortgage company that acquired my loan approximately 7 months ago. I have encountered significant issues with their payment processing system, which have resulted in both confusion and unnecessary financial strain. Despite making my payments on time, I have received threatening letters from XXXX  claiming they did not receive my payments and stating they will contact credit agencies to report my late payments. 

Details of the Issue : XX/XX/XXXX : I made my mortgage payment through auto-pay as usual, and the payment was deposited into XXXX account. However, I later received a letter stating that they had not received my payment and that my account was overdue. I had to send an additional payment while they searched for the original payment. Weeks later, they found the payment and applied it to my account. 
XX/XX/XXXX : I sent my mortgage payment, which was deposited into XXXX account and endorsed on XX/XX/XXXX. However, on XX/XX/XXXX, I received another letter from XXXX  stating that they had not received the payment and that my account was now considered late. This is the second time this has happened. 
XX/XX/XXXX : After receiving the threatening letter, I made another payment for the same month to avoid any late fees or negative impact on my credit. However, I am now being asked to make my XX/XX/XXXX payment as well, leaving me effectively out an entire months mortgage and escrow payment while XXXX  attempts to locate my XXXX payment, which was already taken from my account on XX/XX/XXXX. 

This situation has caused significant stress and financial difficulty for me, as I have to pay twice for the same month while waiting for XXXX  to resolve their internal errors. I am concerned about the impact these errors are having on my credit and financial stability, especially considering I have made every payment on time.
Product: Checking or savings account

XX/XX/XXXX : app told me that I had suspicious transactions for {$480.00}. I immediately looked on wellsfargo.com and saw two fraudulent transactions - one for {$480.00} authorized on XX/XX/XXXX for XXXX XXXX XXXX XXXX XXXX XXXX  and another for {$50.00} for a shipping or moving company. I immediately called the bank to file a claim and cancel my debit card. 

XX/XX/XXXX : XXXX XXXX for XXXX # XXXX for both amounts. 

I don't know the exact dates when I first contacted the bank but here 's what I have : XX/XX/XXXX : Got a letter from Wells Fargo saying that they researched the {$480.00} transaction and found that it was authorized. 
XX/XX/XXXX : called the bank to get information- was told the company name ( XXXX  ) and phone # to contact them ( XXXX ). 
XX/XX/XXXX : called XXXX company two times and each time someone put me through to a voicemail ( left 1 voicemail ). Called third time and the person said to file a claim online through XXXX XXXX -- > claims -- > replacement parts. I didn't do this because I couldn't fill out information for something I didn't buy, and it didn't make sense to do that. 
XX/XX/XXXX : provisional claim reversed - charged {$480.00} again ( didn't see this until XXXX ). 
XX/XX/XXXX : called Wells Fargo again, and got information about the buyer/person who stole the card. They said that the reason it was authorized was because they had my billing address. The person told me the shipping address was different ( I looked it up and it's an apartment complex not far from me ) and a different email address ( didn't give me this ). Said they would reopen the claim. 
XX/XX/XXXX : called XXXX company again and same thing happened as previously, left another voicemail. 
XXXX : checked claims and noticed it wasn't reopened. called bank again and they said they can't refile a claim once it's closed. Said I needed to contact the company and file a claim there. I told them I tried and couldn't get through to anyone. They said they'd file a complaint with the bank and wait to hear 10 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax credit reporting is reporting my account status as a charge off when these accounts have been settled after numerous attempts and disputes over 30 days they will not change the status.     Equifax Accounts.      XXXX    XXXX   XXXX   XXXX   XXXX   ( Settled ) not charge off  XXXX   XXXX   XXXX   XXXX   XXXX  :   XXXX   XXXX   ( Settled ) not charge off  XXXX   XXXX  :   XXXX   XXXX   ( Settled ) not charge off  XXXX   XXXX  :   XXXX   XXXX   ( Settled ) not charge off
Product: Credit reporting or other personal consumer reports

i Have taken action on this matter and they are still reporting according USC 1692 ( b ) ( f ) ( a )
Product: Debt collection

On XX/XX/XXXX at XXXX I returned a call to an attorney named XXXX at XXXX and he stated he was being hired by a company called XXXX alleging they own Citii Bank and that they were trying to get ahold of me about a Vehicle repossession from XXXX. I informed him of the Texas Statute of Limitations on a car loan is 4 years and he said they will go after me for fraud instead. Then he ( XXXX ) informed me that they have gained permission from a federal court to freeze my bank account in 72 hours if I don't comply and told me even after everything is done I wouldn't be able to get another bank account for min 6 months and up to 2 years. I consulted my attorney and he said they are trying to bully me into paying a 12 year old debt and to report them.
Product: Credit card

I added most details to complaint description. I called Capital One customer service XX/XX/year> at roughly XXXX XXXX. I walked through the details of their app issue and the fact that I always pay " last statement balance '' to avoid interest and they refused to make things right even though I selected and paid " last statement balance '' through their app. My payment was on XX/XX/year> and they posted interest charges on XX/XX/year>. There must be legions of other customers getting ripped off by this decieving app functionality.
Product: Debt collection

Portfolio Recovery Associates calls multiple times a day from cloned local numbers. Its everyday, at least 3 times a day at all hours. The numbers are disconnected when I try to call back.
Product: Credit card or prepaid card

I moved to XXXX  in XXXX, 2018. I had my computer taken over after signing up for virus protection. They took money from my premier  checking account that i had with Santander bank for many years I then went into the XXXX branch in Massachusetts. the Manager closed my premier  checking and savings accounts and issued me a plain red card masterdebit instead of the gold premier card I had for many years!!! I never asked him to give me inferior accounts and assumed he would do his job and replace said accounts with comparable ones! now i just noticed a fraud charge on my red card as my gold card no longer works. the bank has discontinued those premier accounts now, but I was supposed to be grandfathered in as I was a XXXX  Bank member for 25 years. I want all my premier checks returned and gold card back like I had for many years!!! the XXXX thieves also stole {$7000.00} which I never received., so I'd like that deposited to premier checking
Product: Debt collection

XXXX XXXX I owed {$1200.00} and every time I paid my amount owed didnt go down and when I called them they always said they used it for late taxes when I always paid more then I had to pay then I received a bill from a collector that I owed {$2100.00} and then I got a letter from another bank saying I owed them and a collector is always calling me
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I used the services of Western Union Business Solutions to make the payment of {$5500.00} sterling to the University XXXX XXXX, in the XXXX XXXX of XXXX XXXX. 
In accordance with the instructions of WU I made the international transfer from my bank XXXX and the bank liquidator XXXX. 
The data that WU gave me were the following : XXXX XXXX : XXXX BANK LIQUIDADOR : XXXX XXXX DEPOSIT ACCOUNT : XXXX NAME : WESTERN UNION BUSINESS SOLUTIONS USA LLC / XXXX / XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX REFERENCE : XXXX XXXX Today, XX/XX/XXXX, the University XXXX XXXX has not received the payment and, therefore, they ask me to do it again. 
I request your intervention so that WU delivers the funds that, according to what they say, are lost. 
Likewise, I request that I reimburse the expenses and commissions that I have had to pay to clarify this matter. 
I have been in communication with WU for four months but they have not given me any answers.
Product: Checking or savings account

My funds were often frozen after I deposited them and I was unable to access them for a long time. My ex husband was allowed to overdraft on my account even though he was removed as an account holder prior. My account was wrongfully charged monthly fees even though I used my debit card more than XXXX.
Product: Credit card or prepaid card

There was offer from American Express Platinum card that adding each additional authorized user with {$500.00} spending requirement will give main card holder XXXX MR points per person. I added 3 users so total of XXXX MR points, but so far I got only XXXX points on XX/XX/2017.
Product: Credit reporting or other personal consumer reports

Over the course of several attempts, I have submitted all required documentation, diligently followed your guidelines, and cooperated fully in the hope of resolving this matter promptly. However, to my dismay, the bureaus have continued to dismiss my legitimate claims, leaving me in a state of vulnerability and uncertainty. Identity theft is a crime that wreaks havoc on the lives of its victims. It not only jeopardizes financial security but also causes immense emotional distress. To have my identity theft claims repeatedly denied, despite my compliance with your requirements, adds an extra layer of anguish to an already difficult situation. I want to remind your bureau that the processes you have established are meant to protect consumers like me from the devastating consequences of identity theft. Continuously refusing to acknowledge my claim contradicts the very purpose of these processes. Account Details : XXXX XXXX. Please delete this account ASAP.
Product: Credit reporting or other personal consumer reports

Recently i did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) accuracy of report Whenever a consumer report agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under the paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation : and ( ii ) promptly notify the furnisher of the information that the information has been modified or deleted from the file of the consumer. 

XXXX  XXXX Date reported XX/XX/XXXX Date assigned XX/XX/XXXX Amount {$590.00} Status date XX/XX/XXXX Balance date XX/XX/XXXX Account designator code Individual account Account number XXXX XXXX XXXX XXXX  Date reported XX/XX/XXXX Date assigned XX/XX/XXXX Amount {$670.00} Status date XX/XX/XXXX Balance date XX/XX/XXXX Account designator code Individual account Account number XXXX XXXX XXXX Date reported XX/XX/XXXX Date assigned XX/XX/XXXX Amount {$480.00} Status date XX/XX/XXXX Balance date XX/XX/XXXX Account designator code Individual account Account number XXXX XXXX XXXX XXXX Date reported XX/XX/XXXX Date assigned XX/XX/XXXX Amount {$770.00} Status date XX/XX/XXXX Balance date XX/XX/XXXX Account designator code Individual account Account number XXXX XXXX XXXX Date reported XX/XX/XXXX Date assigned XX/XX/XXXX Amount {$1900.00} Status date XX/XX/XXXX Balance date XX/XX/XXXX Account designator code Individual account Account number XXXX XXXX Start a dispute XXXX XXXX Date reported XX/XX/XXXX Date assigned XX/XX/XXXX Amount {$2900.00} Status date XX/XX/XXXX Balance date XX/XX/XXXX Account designator code Individual account Account number XXXX XXXX XXXX  Date reported XX/XX/XXXX Date assigned XX/XX/XXXX Amount {$340.00} Status date XX/XX/XXXX Balance date XX/XX/XXXX Account designator code Individual account Account number XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquires on my report that I do not recognize. 
I was alerted today four times back to back that someone had ran my credit, which lead me tp review my entire report. all of my car loans are through my credit union! 

XXXX /XXXX  ( XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) ITS ON MY CREDIT TWICE AT A DIFFERENT DATE. I ONLY RAN MY CREDIT ONCE AND I WAS APPROVE ALREADY. 

also XXXX ( THAT IS IN COLLECTION ) STATED THAT THEY WOULD REMOVE THIS ONCE I PAID IT IN FULL AND NEVER DID. 

PLEASE HELP, IM TIRED OF THIS.
Product: Credit reporting or other personal consumer reports

Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - XXXX - 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX - XXXX - FDCPA XXXX False misleading information FDCPA XXXX furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my XXXX copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

Trans Union, XXXX, and XXXX have 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 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 or 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 if the person knows or has reasonable cause to believe that the data is inaccurate.
Product: Checking or savings account

At XXXX on XX/XX/22 I received an email from Bank of America stating that an Online Application is in Progress. I received multiple more emails from the Bank of America stating, Your application was approved, Welcome to Online and Mobile Banking, We're confirming your contact information has been changed, etc. 

I called Bank of America fraud support when they opened at XXXX on XX/XX/22 and they confirmed an account had been opened under my name from someone at an address in XXXX XXXX XXXX NJ XXXX They stated a checking account was opened as well as a debit card, but nothing was charged to the account yet. They reported the debit card was canceled and they closed the new checking account. They instructed me to contact the credit bureau to report that my identity and social security had been stolen/compromised.
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative. I recently reviewed my Equifax credit file, and noticed an inaccurate item. And according to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure MAXIMUM POSSIBLE ACCURACY of the information concerning the individual about whom the report relates. 

The account : XXXX XXXX XXXX  XXXX is NOT COMPLETE AND ACCURATE. 

I sent a letter asking EQUIFAX to make sure everything is complete and accurate and TO PROVIDE HOW THEY VERIFIED THE INFORMATION. They sent my investigation back and said everything is complete and accurate, but everything is NOT COMPLETE AND ACCURATE, and according to 15 USC 1681i 5, they are suppose to do this : ( XXXX ) Treatment of inaccurate or unverifiable information : ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified, the Consumer Reporting Agency shall ( i ) PROMPTLY DELETE THE ITEM OF INFORMATION FROM THE FILE OF THE CONSUMER, OR MODIFY THAT ITEM OF INFORMATION, AS APPROPRIATE, BASED ON THE RESULTS OF THE REINVESTIGATION of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) PROMPTLY NOTIFY THE FURNISHER OF THAT THE INFORMATION HAS BEEN MODIFIED OR DELETED FROM THE FILE OF THE CONSUMER. 

And according to this law, they are suppose to provide me a DESCRIPTION OF THE INVESTIGATION according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( XXXX ) by NOT LATER THAN 15 DAYS AFTER THE REQUEST from the consumer for that description. 

But AFTER MULTIPLE REQUESTS BY ME, they did not do that as well. Finally, according to 15 USC 1681s-2 they are suppose to : NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THAT PERSON KNOWS, OR HAS REASONABLE CAUSE TO BELIEVE, THE INFORMATION IS INACCURATE.
Product: Mortgage

My house is in a flood zone XXXX I live in XXXX, CA which is a high altitude desert. The only reason why I am in flood zone XXXX  is because there is a creek in the back of my house, which is controlled by a XXXX. This is data that I've gotten from my home insurance company XXXX XXXX XXXX, from the previous owner when the house was sold, and from the company who managed my refinance earlier this year. 

SunTrust, my mortgage provider, claims I live flood zone AE. I have contacted them multiple times, and have forwarded the reports from XXXX and from my recent refinance to prove I am not in flood zone AE. Each time I contact them, they say they need to refer to their specialists which will take 1 week, and then I hear no reply. 

They charged me for flood insurance in my escrow account for {$2100.00} which I paid in full. However my monthly payment has increased by {$300.00} as if I still have an escrow balance and I'm still getting charged interest from escrow ( even though the balance is XXXX ). 

Today was the XXXX time that I've called SunTrust on this issue. After rerouting me multiple times, they eventually tell me to call someone else or that they will call me back. XXXX has asked that I get their flood zone maps in order to resolve this conflict, but SunTrust refuses to give me any documents verifying their claims, and they refuse to give me an email address so that I can have a paper trail of my correspondences.
Product: Mortgage

United Wholesale Mortgage ( UHM ) transferred my mortgage to a new servicer. However, they owe me a escrow refund. The problem is that since they transferred my loan, there is no way to reach UWM via the customer service number. Once their phone system asked me to enter my loan number for verification, the system tells me my mortgage has been transferred and to call the new servicer, then the phone hangs up. Calling back and trying to get someone to pick up the phone by pressing zero does not work. There is no way to get in touch with UWM in order to received my escrow refund. The new servicer ca n't help either as the issue is with UWM.
Product: Money transfer, virtual currency, or money service

There was a cell phone promotion in XXXX and I need to bring my own number there. So on XX/XX/XXXX I want to pay {$3.00} to port out a XXXX number, but Google use XXXX to push me using google pay, and I am not able to use other payment methods like credit card. when I use google pay, it asked me upload driver license, although I have uploaded 3 years ago. During this period, the representative gave me wrong direction and I can't find the place to upload ( the case XXXX ), finally they sent me the right direction on XX/XX/XXXX and I uploaded my license again, but it has been 6 days, still no reply, I still can't use google pay to port out my number. Google is worst inefficient now and using monopoly to keep customers in these horrible inefficient experience. Now the promotion in XXXX has ended, because of google 's XXXX  policy, I can't get my new phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already reached out to the credit bureaus and to DEPT OF ED/NAVIENT and notify them of their error posting of information on my report. I never missed any payment on these accounts. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " accurate '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report.
Product: Credit reporting or other personal consumer reports

These are not my accounts. It is the credit bureaus responsibility to make sure theyre reporting accurate information and going through the proper protocols before putting information on my credit report. The information does not match up to the other bureaus and according to the FCRA you must make sure everything youre reporting is accurate. Im entitled to an accurate report please remove the fraudulent account immediately. Im attaching my FTC report as well.