23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a standard 30 year mortgage with Citizens. Citizens assumed the mortgage about 1 year ago. I am current on all my payments -- in fact, I regularly pay about XXXX months in advance. 

MY ESCROW ACCOUNT IS SIGNIFICANTLY OVERFUNDED. Despite at least five phone calls to the Citizens escrow department over the period from XXXX to XX/XX/2022, the issue was never resolved. 

The ESCROW STATEMENT sent by Citizens to me ( dated XX/XX/2022 ), has an OBVIOUS ERROR on the table on page XXXX of the statement. The computer or person populating the statement ERRONEOUSLY assumed ( for some obviously wrong or possibly bad faith reason ) that there would be {$0.00} of payments to the escrow account in the ( at the time future ) XX/XX/2022 and XX/XX/2022 periods. The statement therefore ERRONEOUSLY calculates a starting shortfall that needs to be made up with an additional {$150.00} / month top up escrow payment by myself over the coming year. The math is OBVIOUSLY, and simply, wrong but Citizens has never corrected it or generated a new escrow statement. When I made my phone calls to Citizens in XXXX and XXXX, THESE TWO ESCROW PAYMENTS HAD ALREADY BEEN MADE, so I can only assume that the Citizens escrow department is either completely incompetent or acting in bad faith. No one ever responded knowledgably, or helpfully, to my concerns. They either ignored me completely or forwarded me to another phone rep that they indicated -- probably dishonestly -- was a manager. 

Not only should I not be contributing {$150.00} / month additional money into the escrow account, but several thousand $ should be refunded to me immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been EXTREMELY frustrated with MACY 'S credit card services. I have paid on time in the past without any issues. But this time my bank account information has changed along with my address, email address and phone number. I had not used MACY 'S credit card for several years now. But when I tried to pay my credit card I was on an HOUR hold with a phone agent and once she got on the phone she said " hello '' and abruptly hung up on my as I was saying hello. I called again but this time asked for a manager only to be abruptly hung up on by the manager after waiting for another hour and a half. I am furious at this point. All I wanted to do was update my accounts and pay off my card and I am waiting on these long hold times and dealing with agents who simply want to hang up on customers simply trying to pay off their card. Since I couldn't log into my account I tried to find another method of updating my online account. Unfortunately the only method to do that is to call and update my account with a phone agent. Well you see how that is going. Needless to say I did try to pay off my card in the stores or so I thought. I wanted to continue using the credit card in the future and I wanted to update my address information at the store so that I can get the bills and pay off my card online. Unfortunately the lady said they couldn't update my address information. So I had thought I paid off my card and had planned on calling in later to update my address information. I guess I was wrong in assuming that. Since I could not get an agent on the phone easily to update my address information I was not getting any alerts to pay my credit card off so I was under the assumption that I had paid my card off at the store. The only way I found out that it wasn't paid off was when I started getting credit alerts about the delinquency reporting by MACY 'S. I reported these incidents to MACY 'S executives and after their investigations they said it was my fault for NOT updating my contact information. That's the problem I have been having this whole time. I couldn't because they ONLY way to do that is to deal with their phone representatives who are difficult to get and keep on the phone. So how exactly am I supposed to update my contact information if they won't give me the method to easily do that?
Product: Debt collection

Since XXXX i have called XXXX XXXX to get this resolved by explained to them that this person : XXXX XXXX XXXX is not related to me. They told me that they were going to place my account on hold and no longer send me bills nor send me to collections. They did send me to collections and now I have this on my record I would like to get this taken care of because this is not my debt and is fraud. 

I have Called 4 times and been told the same thing they went to their lead and said that everything was taken care of and that I should have nothing to worry about. This is not okay I'm very upset. I've been trying to work on my credit and this is just bring it down even more. I want to know what else I can do.
Product: Debt or credit management

They were to have canceled a XXXX XXXXr account and stop taking from my checking account but they continue to take money and send the same email when I request they stop and refund my money. 
Email from XX/XX/2024 yet they continue to take money from my account : However, your XXXX account has been canceled, so no further payments will be taken. If you wish to set-up a new XXXX account, you can do so here XXXX XXXX  XXXX. XXXX is a fantastic stepping stone towards seeing the benefits of an improving credit score, without the responsibility of taking on a big financial commitment. You can find out more about XXXX here : XXXX  Transform Credit can still help you access funds of up to {$10000.00} with the help of a cosigner. You can always access your application here XXXX XXXX XXXX XXXXXXXX If you need help, please let me know. 

Many thanks, XXXX, Transform Credit
Product: Debt collection

An account for a five year old debt was randomly added to an existing account Im currently settling with this firm with no notice in XXXX of XXXX. I asked for verification of debt and they sent that. Since then in XXXX Ive sent several emails to them to start negotiating a price Im willing to pay to settle the new debt account. They just keep sending me verification of debt paperwork. When I call Im on hold and am randomly hung up on after 30 minutes and get no response from a request to call back. I believe they are purposely ignoring me so they can take me to court for the full cost of the debt and say I ignored them. This is very unprofessional.
Product: Mortgage

Bank of America sent me a letter in XXXX XX/XX/XXXX stating they reached an agreement with the Federal government and through this program they have forgiven part of my loan and that the forgiveness would be effective XXXX XXXX. The letter also stated that even if I was selling my house or paying the loan in full, I was still eligible for the forgiveness as long as the sale or payoff was completed after the forgiveness was processed. I call Bank of America shortly after receiving this letter and was told and assured by a Bank of America staff member that the forgiven part of my loan would be effective and processed on XXXX XXXX, XX/XX/XXXX We are selling our house and we set our escrow closing date after this date based on the information provided by Bank of America. Shortly after XXXX XXXX, our escrow requested a payoff from Bank of America and was given the original payoff amount. I called to find out why the payoff was n't reduced and the Bank of America staff member told me it still had n't processed but that I was n't eligible because I was selling my house. I spoke to her supervisor and was told the same thing. XXXX staff members told me that Bank of America is not in the business of giving away money and that my loan did n't qualify for the forgiveness because I was selling my house and not maintaining my loan with Bank of America. After I read the letter I received from Bank of America to them, they advised me they would have to research the issue but could take up to a week to get an answer. Finally, they agreed that my loan was eligible for the forgiveness after numerous followup phone calls and that my loan forgiveness would be processed by XXXX XXXX and that there was nothing they could do to expedite the processing. I called back to get help from another department that works with the Department of Justice and was told my loan was set to be processed by XXXX XXXX. Now it is the end of XXXX and they are telling me that ca n't give me a date it will be processed. I have been mislead and lied to by several Bank of America staff members and due to their processing delay the buyers of my home are threatening a potential law suit and the sellers of the home we are buying are threatening to cancel the sale if this issue does n't get resolved quickly. The delay, lack of response and misinformation by Bank of America has put me and the parties involved in the sale of our house in a financial bind. We need my loan forgiveness processed immediately before further expenses are incurred and the possible cancellation and law suit if this processing delay continues.
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL 5USC55SA!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : XXXX XXXX XXXX XXXX This complaint is being sent to you in response to you reporting inaccurate an incomplete account on my credit profile with the credit reporting agencies.

This is not a refusal to pay, but a notice that your claim is disputed.

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you claim that I owe you. I am requesting proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged medical service ; the name of the patient ; and proof that there is some contractual obligation which is binding me to pay this debt.

Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.

The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual.

Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. 

Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any HIPAA authorization.

Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of, or verifying of this account on my credit reports.

In the event of noncompliance, I reserve the right to file charges and/or complaints with the XXXX on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX  and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of Florida medical privacy rules .
Product: Bank account or service

My account was subject to fraudulent activity which resulted in my bank accounts being submitted to check system.
Product: Debt collection

RE : SYNCB / JC PENNY I contacted the bureaus, and proved to them that I am victim of Identity Theft. An ID Theft Report was sent unfortunately these companies erroneously validated the account listed above.
I contacted SYNCB JC PENNY they claimed that they sold the account to XXXX XXXX and the no longer had any records about the account I was told to contact XXXX XXXX. They  Requested the account be deleted.
I am a victim of Identity theft and I am requesting that the following inaccurate items to be immediately investigated. I pulled my credit report recently on X/XX/17 only to find several addresses and accounts that do not belong to me. Please advise them to remove that account from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

none of the three credit reporting companies at XXXX actually reports credit score - NONE! 
Experian is asking for a {$1.00} with {$25.00} per month unless I cancel service. XXXX claims they can not deliver report online, and XXXX does not display credit score either and is asking for some kind of subscription as well? 

What is the point of the free annual report again?
Product: Mortgage

I had taken a home equity loan with Citizens One. This year the loan came due. They told me they were going to foreclose on my house if I could n't pay them XXXX. I was never late or missed a payment. I have been trying to modify this loan for a year this month. I have been through the process 5 times now. My home is worth XXXX. Because of a divorce and other issues that are coming to an end this month I could not come up with XXXX. Please help! I can make payments as I always did and do n't want to lose my home I 've had for 27 yrs. Because of this the have trashed my credit. It 's clear to see on my credit report. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my THIRD time disputing negative accounts on my credit report. I am not an attorney or third- party rep, there are accounts on my credit report that does not belong tome and believe that this is an act of fraud. I have a legal right to dispute the following accounts : XXXX XXXX  XXXX # XXXX XXXXSANTANDER CONSUMER USA # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, has 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 a account without my written instructions.
Product: Student loan

I defaulted on a XXXX XXXX loan. I started receiving correspondence from US Department of Education with debt total of lil over XXXX. I started making payments of 2 to 3 hundred a month while working over XXXX XXXX XXXX. I take the winters off and haven't made payment since XX/XX/2017. I just received a letter from XXXX XXXX , XXXX stating amount due XXXX. I do believe my balance with The US Department of Education should be around 3,500.00. So who is in charge of my debt? I'd like to finish paying this off when back on XXXX XXXX this year but don't quite understand where I stand and who to pay. Please help me understand. Thanks
Product: Credit card

XXXX Capital One card. 
My balance is mostly under special promotions with no interest for 6 months. 
I called to have a payment be allocated to cover a {$79.00}. non promo standard rate. They stated they could not apply payments to a specific balance and read to me exactly what was on my statement. 
Credit Card Act of XXXX????
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly sent proof and documents stating I was a victim of fraud and identity theft to each credit bureau. The documents I sent in have been a police report, ftc report, and proof of identity such as my I.D and social. Accounts will be removed temporaryily then it'll reappear without any notice. This is in violation of FCRA XXXX XXXX XXXX XXXX Not my account XXXX  XXXX XXXX Not my account XXXX XXXX- Not my account Texans Credit Union- Not my account ACCORDING TO 15 U.S. CODE 1681B ( 2 ), NO ACCOUNT CAN BE REPORTED TO YOUR CONSUMER CREDIT FILES WITHOUT YOUR EXPRESSED, WRITTEN CONSENT 15 U.S. CODE 1681I ( A ) ( 1.A ) THAT ONCE YOUR PROCESS OF DISPUTE BEGINS, REGARDLESS OF THE STATUS OF THE ACCOUNT, THE ACCOUNT UNDER INVESTIGATION MUST BE REMOVED UNTIL THERE IS A FULL AND COMPLETE INVESTIGATION.

I WANT THESE ACCOUNTS REMOVED ONCE THE PROCESS BEGINS UNTIL INVESTIGATION IS COMPLETED
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forwards consumer-provided evidence to furnishers to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts and any reparation 's for the hardships this issue has caused, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy federal, XXXX and XXXX all stated that account number ending is XXXX was accurate as well as complaint. After looking further into my credit report I noticed that All 3 Failed to provide me with the utmost accuracy and compliance that I needed in my credit file as it affects my every day life. 

Account Number XXXX XXXX Navy Federal Credit Union Date of First Delinquency IS MISSING Creditor Classification IS MISSING Navy Federal also states that they closed my account which isn't true. I asked them to close my account. It makes me look unworthy of credit when it states untruth as they state. 
LATE PAYMENTS ARE INCORRECT because I don't have a DOFD to even start where the late payments begin. Please Remove late payments and Mark paid as agreed or Delete from my Report Section 607 ( b ) of the FCRA provides that [ w ] henever 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.In some cases, such as when certain account or other information fields on consumer reports are logically inconsistent with other fields of information, a consumer reporting agency can detect the logical inconsistencies and prevent the inaccurate information from being included in consumer reports it generates, thereby avoiding the consumer harm to individual consumers that can result from reporting such inaccurate information.In addition to provisions authorizing Federal and State enforcement, [ the FCRA contains two provisions relating to civil liability to consumers for noncompliance. Section 617 provides that any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the consumer 's actual damages, and costs and reasonable attorney 's fees.Section 616 provides that any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to actual or statutory damages of up to {$1000.00} per violation, such punitive damages as the court allows, and costs and reasonable attorney 's fees.A violation is willful when it is inconsistent with authoritative guidance from a relevant agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I put in a dispute on XX/XX/2018 thru XXXX XXXX for TransUnion and they are still processing it.
Product: Credit card

Received JCP Credit Card with a mere {$150.00} limit. Used it a few times over XXXX months or so. My credit score was XXXX. Just by using the card, because the limit was so low, my credit score dropped to XXXX. Then I had late payments to JCP because they would n't accept debit or credit card payments online or by phone! They ONLY accept checking account numbers and bank routing numbers online or by phone. Said I could visit XXXX of their stores to make payment - uh - I shop online and never go into their stores any more! After many discussions with JCP they finally accepted debit card payment by phone today ( not until my credit score was dinged another XXXX points lower ) but charged me more than {$80.00} in late fees. You 've got to be kidding! NO ONE gives their checking account and bank routing number for online payments because hacking is too prevalent. Use of a debit card draws funds from checking without exposing the entire account to fraud. If something goes wrong the debit card can be killed. Who does JCP think they 're fooling and why are they making it so difficult for consumers to pay their bills and charging late fees when we do n't want to provide the newly demanded information? Maybe it is just a way for them to collect a lot of late fees. Maybe they 're about to go bankrupt. Insisting upon direct bank account info as the only phone or online method of payment should be illegal! Call their payment line. Listen to the recordings. You will hear that checking account and routing information is required now. No options for plastic or money orders etc. This is a recent change by JCP. How dare they penalize me for declining to provide my direct checking information! How dare they hurt my credit score because I refused to give them direct access to my bank! I want all of my late fees reimbursed NOW.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, Equifax and XXXX and they are still stating these are mine without properly verifying. Some of these items are more than 7 years old. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Account Opened Amount XXXX  XXXX XX/XX/XXXX $ {$4000.00} XXXX/XXXX  XX/XX/XXXX {$1700.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX  XXXX XX/XX/XXXX {$540.00} XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$2800.00} XXXX XXXX XXXX XX/XX/XXXX {$800.00} XXXX XXXX  XX/XX/XXXX {$230.00} XXXX  XXXX XXXX XX/XX/XXXX {$1400.00} Hard Inquiries XXXX  XXXX  XX/XX/XXXX