23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage was sold to Rightpath Servicing ( XXXX XXXX XXXX, XXXX, Tx XXXX ) during XXXX of this year from XXXX XXXX XXXX I had {$1900.00} in my escrow when my loan was sold in XXXX. My homeowners insurance has always came out of escrow. ALWAYS for 20 years. I don't know what happened when my loan was sold but my homeowners insurance was not paid in XXXX of this year when it was due. My homeowners insurance was going to lapse because the mortgage company never paid it despite me and my agent sending in several invoices to them. This has caused me to have to pay my insurance out of pocket for the past two months, which is an additional burden. I have attempted to contact Rightpath for the past 3 weeks at their customer service number of XXXX. A automated person will answer and ask for identifying information, then it will say " let me connect you with customer service ''. Then no one EVER picks up the call. After 20 minutes or so the call will just disconnect. I have 18 screen shots of calling the customer service number for the past 3 weeks and I continue experiencing the same issue. I have emailed Rightpath as well and received a note in my account saying they received my " ticket '' from XX/XX/XXXX yet they have done NOTHING to update my escrow or pay my homeowners insurance. Plus the entire time you can not reach a customer service representative on the phone. My insurance agent has experienced the same issue. I would like to file a formal complaint against Rightpath and I need someone to help me resolve this issue. I do not know where my escrow money is and why no one has contacted me to this date. I did NOT give anyone permission to change my escrow and I have continued making the same payment amount the entire time.
Product: Credit reporting

Trans Union is reporting XXXX judgments on my credit file. They are not mine. I contacted the court and they do n't have any judgments for me. It has been over 45 days and Trans Union is just ignoring my dispute. This is ruining my life
Product: Bank account or service

I was improperly charged overdraft fees {$36.00} on my bank checking account on XX/XX/2017.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected XXXX XXXX XXXX XXXX, MS XXXX ; XXXX XXXX XXXX XXXX, MS XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$2700.00} ; DEPT OF EDXXXX XXXXXXXX Balance : {$51000.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$630.00} ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$11000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance XXXX {$650.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have requested validation of the account that has been attempted to collect debt on from this collection agency and I have not received anything back by postal mail. It has been more than 45 days since the original request was sent. Despite my previous 2 written requests, the unverified item listed still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request on multiple occasions to send me copies of the documents that you used to verify the disputed accounts is evidence that you cant and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you cant verify nor validate after multiple requests via USPS mail and Email is also evidence of your willful disregard of Federal Law.
Product: Credit reporting

no contract with XXXX as this account was sold to action financial services. I contact the bureau and the responded with I need to contact XXXX. I advised them I did contact XXXX and was told no account was found. They advised me it will stay on my report even though I do n't have an account with them and its reporting a negative status on my report monthly keeping me from being able to purchase a home.
Product: Debt collection

THE FAIR DEBT COLLECTION PRACTICES ACT As amended by Public Law XXXX, XXXX Stat. XXXX ( XXXX XXXX, 1996 ) TITLE VIII - DEBT COLLECTION PRACTICES [ Fair Debt Collection Practices Act ] XXXX. Validation of debts [ XXXX XXXX XXXX ] ( a ) Within XXXX days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( XXXX ) the amount of the debt ; ( XXXX ) the name of the creditor to whom the debt is owed ; ( XXXX ) a statement that unless the consumer, within XXXX days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( XXXX ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( XXXX ) a statement that, upon the consumer 's written request within the XXXX day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 
( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXXXXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/2021, XXXX XXXX Balance : {$3600.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$12000.00}, XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX - XXXX ) XXXX XXXX XXXX {$2500.00}, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00}
Product: Credit reporting or other personal consumer reports

My XXXX XXXX has not been updated in a few months
Product: Checking or savings account

I became POA on my mothers acct. that she was the sole owner of.My neice transfered XXXX from the acct.The bank knew my mother was in a XXXX XXXX and she could not have made the transfers.As I look back now ther has been over 7000.00 transfered online from a sole acct to their joint acct.I have medical records and a police report that I have faxed to Wells Fargos fraud team.Some days there were 3 online transfers.And Almost everyday she was transferring money from the sole owned acct.from my mother.She used my moms info SS # to set up an online acct.My mother was XXXX or so.The acts only go back 5 months.Shame on Wells Fargo.XXXX would have froze my acct.or at least called me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion customer service to get inquiries removed for being a victim of their inquiry issue and they did not want to take care of the inquiries by removing them and resolving the problem. I would like the problem resolved ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing inaccurate accounts on my credit report for a year now and the credit bureaus have not corrected the inaccurate the information at all. The last letter I sent out was a certified letter to each credit bureaus. 

I have 8 accounts that are reporting incorrect information on my credit report. Here are the accounts. 

XXXX XXXX I address that the date of last activity is being reported as 3 different dates to each credit bureau. TransUnion XXXX XXXX, XXXX reports XXXX and XXXX reports XXXX. The creditor just verifies the account but why are they reporting different dates to each credit bureau. This is not accurate at all and they have not updated or deleted this account. Law requires the information to be reported correct and it simply is not. This is the same issue with XXXX XXXX, and XXXX account. The date of last activity is being reported as different dates to each credit bureaus. I am so tired of stating this and they are not doing anything about it. 

Now with these 4 accounts XXXX, XXXX XXXX XXXX has 2 accounts ) and, XXXX XXXX the issue is the account status. Some are reporting the account as open which the account should not be reporting as open, and some closed and open to each of the credit bureaus and it is not accurate and the account should be deleted from my credit report. 

Last there is an account with XXXX XXXX  that was an account with XXXX XXXX XXXX XXXX, that was deleted off all three credit bureaus by XXXX XXXX XXXX XXXX and not even a month later added back with XXXX XXXX. The Credit Bureaus did not sent me a letter to let me know that the account would be added back on my credit report. I sent the credit bureau a certified letter to address it and they did nothing about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a TJX Rewards Platinum MasterCard Account Number Ending in XXXX in XX/XX/XXXX with a purchasing amount of {$53.00}. 

I never received monthly statements from the Synchrony Bank. ( Synchrony explained the reason why they sent to a wrong address in detail. I attached their letter ) This bank marked 120 days late payment and charged off the account and sold it to XXXX XXXX XXXX. 

XXXX could find my correct address immediately and started to send letters to collect money. I found out the status of this account only after I received the letters from XXXX. Meanwhile, I never received any messages from this bank before they charged off this account. 

I started the long, painful way to contact Synchrony Bank to correct the mistake they made. they were very nonresponsive, irresponsible and provided multiple wrong information/direction alone the way. Finally, I got a letter from their Senior Specialist, XXXX XXXX on XX/XX/XXXX after I filed a complaint through CFPB. In the letter, she admitted the mistake they made and promised to try to buy the account back from XXXX and send a request to major credit bureaus to delete any derogatory information reported to this account. However, I never received any update from her that if she did successfully buy my account back from XXXX or any payment statement to let me know the amount I should pay. 

I called her back in XX/XX/XXXX at the number she provided to me to follow up after my loan officer notified me that my credit score was only XXXX due to the charge off and late fee which seriously affected the mortgage rate I would pay, resulting a few thousand dollars more each year. 

I called XXXX XXXX 12 times and left detailed messages each time to beg her to fix the problem since XX/XX/XXXX. she never answered the phone or returned my calls. I paid off the balance of {$53.00} on XX/XX/XXXX although I never received any update from XXXX XXXX. I do not owe Synchrony Bank any money now. 

I was so desperate. I called their customer service again and they provided a P.O box and advised me to write a letter that it was the only way to contact Synchrony Bank regarding my problem. They gave a P. O. box number. I questioned the representative that they gave me the same P.O box number a few months ago previously and it turned out that it was a Gap Card center P.O. box. I did receive a letter from them to state that my Gap Card was in good standing although I made clearly that the letter I wrote was for the TJX card issue. The representative said Gap and TJX share the same P.O. BOX. 

I wrote it to the P.O. BOX again. Unfortunately, I received Gap Card response AGAIN even if I made it very clearly that it was for TJX card in details in the letter as if I have dealt with Robot instead of any live person at this bank. 

Then, as if a retaliate, my credit score was dropped 6 points with unknown reason after Gap Card reported to major credit bureaus.
Product: Debt collection

I received calls and letters from the Debt collectors [ National Credit Systems , Inc ] after they added the dept to my credit report as a negative item. I called them to ask for a debt verification letter and sent them mail to remove the debt from all credit bureaus if they could not prove the debt, and they are not willing to do so
Product: Mortgage

Ditech mortgage company lost a wire transfer that was suppose to pay off my mortgage loan. The wire was sent on XXXX XXXX and it cleared on the XXXX of XXXX, however Ditech has no record of the payoff or wire transfer. Multiple times, Ditech has been contacted by both myself and the escrow closer but they were less than helpful and no one knew anything. They have no record of previous phone calls or conversations. They were suppose to investigate this matter almost a month ago but has done nothing. When I received a mortgage bill, I contacted escrow and my realtor right away. I am still getting mortgage statements when I have sold the property almost 2 months ago. Ditech needs to find the missing wire transfer and payoff my account. They lie to me on the phone multiple times and I feel they are theives.
Product: Credit reporting or other personal consumer reports

In XXXX I opened a credit card with XXXX and immediately set up autopay for the full statement balance. Due to a documented technical error in their payment system ( which I have an archived copy of ), my first-ever balance of {$30.00} was not processed despite sufficient funds being available. I discovered this in XX/XX/XXXX when I found a 90-day late payment on my credit report. I immediately paid the full balance that day. 

I contacted XXXX 's CEO in early XXXX requesting goodwill removal. Their team acknowledged the technical error and promised to work with their underwriting bank ( Wells Fargo ) to correct the credit reporting. After over 12 months of follow-ups, they continue to claim they are " waiting for a response '' with no progress. 

This erroneous reporting has caused my credit score to drop by over 100 points. I have been denied several apartment applications specifically due to this late payment. I was forced to relocate to find housing that doesn't require credit checks, causing significant disruption and expenses. 

All three major credit bureaus ( XXXX, XXXX, and XXXX ) continue to show this incorrect late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had credit insurance which negotiated and paid the original account but a collection company refuses to remove the information from my Credit Report and the original account is very old but it still shows it as open and a only 2 years old.
Product: Credit reporting or other personal consumer reports

Transunion reinserted previously deleted acct XXXX. The FCRA lays out specific requirements that have to be met in order to reinsert an account. I was never notified by transunion in writing within 5 business days from the date of reinsertion. This is a violation. Prove that I received notice. Theres no certified mail, green return receipt. Transunion is to certify that the information is accurate. So Im requesting the method of verification as well as the information used to verify the the account is accurate. Due to violations of the FCRA I want this deleted. 

( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 
( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.
Product: Checking or savings account

Sending XXXX in my Wells Fargo account and it never had the confirming messages before. So when issues arrouse it wasnt out of my control
Product: Credit reporting, credit repair services, or other personal consumer reports

Did nothing at all for my credit repair. Never used my third credit report. Only use two credit agents constantly sent my third agency information with it never being add. Supposed to dispute items but made my credit report worse. 
Cancelled after not seeing one thing resolved and was charged for a month after service was cancelled. A waste of time and money. 
I want a full refund. 
Never use XXXX XXXX, no one ever has any answers.
Product: Credit reporting or other personal consumer reports

XXXX has been reporting fraudulent information on me for years. Normally, I would dispute the inaccurate information and request for an investigation. However, they have went even further by reporting false criminal information on me. This false and unauthorized reportings have caused me to lose multiple jobs. I have disputed the criminal information repeatedly. I have made police reports after police reports. Yet, the still report the information as though its been verified. The domestic XXXX XXXX totaling XXXX different occasions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Thursday XX/XX/2022, I contacted Chase Auto to notify them of a late payment due to updating payroll software. The customer service representative allowed me to set up an automatic payment for XX/XX/XXXX. On XX/XX/2022, I received a notification from XXXX regarding a change in my credit score. Chase had reported my account as 30 day past due. I called Chase on XX/XX/XXXX to inquire about the negative report and how it impacted my credit score. I was told that if my payroll was direct deposit to Chase bank that they could remove the negative mark, but by me not having the account with Chase there was nothing that they could do to help me. I was told to contact XXXX for help. I call XXXX on XX/XX/2022, and was told that they were just the reporting agency and they report what the lender sends to them. The customer service representative at XXXX told me to contact Chase again and ask for a supervisor and make them aware of the situation and ask how I can resolve the negative mark. The XXXX CSR also gave my the CFPB, gov website for help. I contact Chase again and spoke with CSR Supervisor # XXXX, on XX/XX/XXXX and was told that there was nothing she could do because the payment was set up to be withdraw after 30 days. I asked if I could pay today and have the negative mark removed from my credit report and she said no because i would still be pass the 30 days due. I asked why did the CSR not notify me of that when I set up the payment and she did not say a word. I have been with Chase for 4 years and I have never been outside of my grace period with a payment. The very first time I have a problem outside of my control and I call in to notify them of the situation, they disregard my concern and efforts to maintain good standing with the company and ruin my credit score. This is not fair to the customer and I want the mark removed from my credit report. This report was a negative impact on my credit report dropping my credit score XXXX.
Product: Bank account or service

Citibank had a promotion for getting XXXX XXXX mileage. 
Copy of promotion will be attached. 
I opened the account on XXXX XXXX 2015. 
I was supposed to make $ XXXX Debit card purchase within 60 days but Bank did not send me card until XXXX XXXX. i asked my banker about it and he said they will give an extension. 
I completed debit purchase by XXXX XXXX and fulfilled other requirements but because of the delay in debit card purchase caused by bank delay I am being punished and I am not getting my XXXX miles.