23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am writing to formally dispute unauthorized charges imposed on my mortgage escrow account by XXXX XXXX XXXXXXXX due to discrepancies related to wind policies. Below are the details of the issue : 1. Original Policy Terms : According to my original mortgage agreement, a wind policy was not required. Despite this, XXXX XXXX  XXXX applied a wind policy to my account on XX/XX/XXXX, for {$6100.00}. 

2. Duplicate Policy Charges : Two months later, on XX/XX/XXXX, another wind policy charge of {$5900.00} was added to my account. This is perplexing, as typical coverage for such policies spans 12 months. I have not received a satisfactory explanation for this additional charge. 

3. Existing Homeowner Policy : My homeowners insurance policy was actively renewed on XX/XX/XXXX, for {$4300.00}, ensuring there was no lapse in coverage. 

Actions Taken : I have previously contacted XXXX  XXXX to dispute these charges and requested an immediate resolution. Despite my efforts, the company has not provided an adequate explanation or correction. 

The sequence of these charges suggests a potential error or oversight by XXXX  XXXX. I seek your assistance in resolving this matter promptly and ensuring that such unauthorized charges are corrected and reimbursed.
Product: Payday loan, title loan, or personal loan

I applied for loan for XXXX 60 months payment. And then, covid started I applied for payment deferrals for 3 months and i talked to 2 agents saying that theres no extra interest, and i would just pay my extra payments at the of the term. And then upon checking, i saw that they increased my term for 73 months and i called them regarding about it and they said that it accumulated onto my interest when i was in my deferred payment. So where did they get my extra 13 months to pay for them when i just been in deferred payment in 3 months. I was talking to their agent earlier and she keeps saying that because of my deferred payment it went up to like that!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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. 

I told Transunion to reinvestigate this account : Account name : U.S Bankruptcy Court. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly. 

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A Section : 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. 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 information is inaccurate. 

Also, they aren't even in compliance with XXXX XXXX XXXX XXXX. I have evidence to prove my case.
Product: Debt collection

I think some one use my identity and I am being charge for a debt that is not mine and is n't even in my credit report. I never received any mail from this creditor ( XXXX ) this creditor put a lien on my house for this debt 5 years ago and I was never notify or aware until XX/XX/XXXX2017
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violanted my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602. A. Stated i have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any on the following items of information Any other adveerse item of information, other than record of convitions of crime 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 information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX   and XXXX have both completed their research and determined that XXXX XXXX XXXX as not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Debt collection

Here is a copy of the letter I sent to the debt collector : I received a demand for dept on a XXXX account that I closed and XXXX kept open without my authorization. I hereby notify you that XX/XX/2018 is the first demand for payment I have received and require the following : Proof of my agreement to pay the original creditor and history of my conversations on file disputing this claim with XXXX and chat history with XXXX ; A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and the basis for each charge. 

I note you have reported to me to my credit agencies and demand you remove this immediately before I take legal action against XXXX. 

I dispute this charge because I cancelled my account and tried multiple times to resolve this continuing charge from XXXX with XXXX. They could not help me several times because their systems were down but promised to rectify the debt that I did not owe and would call me back if not resolved. I never heard from them and now am taken to collections? I do not owe any money to this creditor. 

Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the trade line from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDPCA and their Fair Credit Reporting Act. 

Aside from verifying the debt, do not contact me about this debt.
Product: Checking or savings account

I opened my account last year as per the rules of the promotion ( attached ) to receive a payout of {XXXX} after direct deposit with promotional code. After receiving my direct deposit on XX/XX/2021, the bank has not honored the promotion unfortunately.
Product: Debt collection

XXXX created a fake transaction about a bad check when I never tried to send them any payment ever They also are trying to charge a late fee likely due to the fraudulent fake check that they made up
Product: Credit reporting or other personal consumer reports

I have filed a dispute on my credit report because there are several inaccuracies and they have not been resolved. There is an account on my credit report, XXXX XXXX, that is not reported correctly. It is supposed to be reported as Paid in Full but it is being reported as Account Paid for Less Than Full Balance. I have submitted documentation that confirms it is supposed to be reported as Paid in Full. Further, there are payments on this account that are being inaccurately reported. There are payments that are marked as missed/late payments after the card was already closed. 

Additionally, this account is being reported on my credit report twice. It is also being reported as XXXX These accounts are the same ( XXXX and XXXX XXXX ) and should not be reported as separate accounts. This is clearly fraudulent and its affecting my credit score negatively.
Product: Vehicle loan or lease

We paid final payoff amount. We have a confirmation number as well. But we want to be sure everything is up to date and completed. We have called multiple time and keep getting hung up on. I have tried multiple numbers and different way to contact and no response. Online it says we are locked out due to failed attempts. But again.cant not get a hold of anyone and keep getting hung up on. If I call from a different number I can get through but sat on phone for over an hour, and no one answers. Its concerning my number cant get through but other numbers ( that are associated with my account can! ) Paid off on XX/XX/23 of {$150.00}. I will also need the title!
Product: Debt collection

Calvary portfolio attempted to sue me in the state of XXXX. They are garnishing my check. I was not notified until after they gatnished my check. I do not live nor own property in XXXX
Product: Student loan

Hello, In XXXX of XXXX, I submitted my final employer verification form to XXXX. 
In XXXX, I received a letter saying my form had been reviewed and there was no change. I called and was told that was sent in error. 
In XXXX I called to follow up and was told I had a canceled review in XXXX but my information was still under review. I spoke with XXXX. 
In XXXX I called to follow up and I was told they aren't sure why it's taking so long ( spoke with XXXX ). On XX/XX/XXXX, I received notification I had reached the XXXX qualifying loans. I called XXXX to confirm and was told this is accurate and I should expecct forgiveness in a few weeks. 
On XX/XX/XXXX, I received a letter stating I was transferring to Mohela. I was told by XXXX that I would not transfer and that my information was sent to Federal Student Aid on XX/XX/XXXX. I also submitted a feedback form to FSA on this date. Received response that i would hear back in 15 days. 
On XXXX my XXXX account disappeared and my loans were transferred to Mohela. I spoke with XXXX at Mohela who told me to resend the form " just in case. '' On XXXX I also spoke with XXXX at FSA who told me that they received my information from XXXX on XX/XX/XXXX ( not XX/XX/XXXX as XXXX told me ). 
Around XX/XX/XXXX I called Mohela and spoke with XXXX who couldn't see my loan information and said he doesn't know why I was transferred and it could take up to 30 days. 
I called FSA again spoke with XXXX who told me my feedback form was " escalated. '' I requested a call back. 
XX/XX/XXXX I received a letter from Mohela saying there was a delay. XXXX said there is in fact a day. XXXX ( supervisor ) said it would not be 10 days but rather 30. 
XXXX submitted another feedback form to FSA. 
On XXXX I received a letter saying I have 120 payments and a second letter saying I don't qualify. I spoke with XXXX who said she herself submitted it to be processed by FSA and to call back once a week. 
XXXX called XXXX spoke with XXXX XXXX Stated it was elevated. first case has a case worker. 
XXXX Spoke with XXXX XXXX supervisor ) at Mohela XXXX She says they are still reviewing for payments or refunds owed. 
XXXX received call from XXXX who said that they have all the information and my loans are in the " direct to discharge '' queue. This could take several weeks. 
XXXX received letters saying I have 124 payments but still don't qualify. Called Mohela. XXXX said Mohela sent to FSA on XX/XX/XXXX and XX/XX/XXXX. 
XXXX attempted to call. Spent 2 hours on hold only to have the call disconnected. tried calling back and recording said they were too busy to take call. sent message to mohela XXXX Called mohela. was on hold for two hours. spoke to someone who said they know nothing. could take 90 more days. Asked for supervisor, was put on hold for 45 minutes and had to disconnect due to emergency call. Sent another message to mohela. 

As of XX/XX/XXXX, I have heard nothing from FSA regarding my feedback cases. I have not had loans discharged. I have not had any response to messages from mohela. XXXX made errors and not mohela is making them. I am very concerned about how this is being handled.
Product: Mortgage

On XX/XX/XXXX I notice a late charge so I call direct to ask why I had a late fee and they told me my escrow was short so they took it out of my payment that then shorted my payment. 
Then on XX/XX/XXXXI received a paper starting my escrow account was short XXXX I called to ask about it and I feel They could answer my questions about it also on my XXXX payment it showed I had a XXXX cent late bee charge I have not called about it due to me calling my accountant on it and she noted I need to report this to you guys.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate case. I am submitting this request as I have garnered additional information from both State Farm and XXXX  which further proves that they are inaccurately reporting the status of a closed/charged off credit card account to XXXX. It also appears that State Farm has chosen not to correct the action, which comes as surprising as the information is black and white. 

The account is being reported to XXXX  as past due in the last 60 days, however, the account was settled for the full amount in XX/XX/XXXX ( 90 days ago ). 

Furthermore, I have been in contact with XXXX XXXX and the representative confirmed that the account is being listed as past due, however, she can not modify the account due to it being closed. 

I have since been in contact with XXXX  and they were able to confirm that the dates of the " late payments '' date back to XXXX and earlier ( five years ago ). 

As you can see this is a discrepency as the account was listed as late within the last 60 days ( XX/XX/XXXX ), even though the late payments are from XXXX and the account was closed out 60 days ago. 

In XXXX I established an arrangement with an attorney to settle the account in payments, making my last payment early, on XX/XX/XXXX. The attorneys office stated the account would close completely in XXXX  XXXX, 30 days after the payment has posted to their account. 

Since making the payment arrangement with the attorney I have consistently made on time payments, even paying more than the minumum amount most months. 

I need confirmation from State Farm directly, as to which payments ( month/day/year of the late payments in question ) State Farm is reporting as late within the last 60 days to XXXX. Additionally, if the late payments were not within the last 60 days ( which they are not because the account has been paid off for 90 days and closed for 60 days ), I need that late status removed from my credit report, as it is inaccurate. 

I am looking to have this resolved within the next 30 days or I will be seeking legal counsel for this matter, as it has been prolonged for long enough.
Product: Money transfer, virtual currency, or money service

I initiated a transaction online using MoneyGram. The Transaction was declined and online profile closed. Customer Support refused to explain why account was closed and transaction cancelled. Every month I send money to family and friends in XXXX, XXXX XXXX XXXX XXXX, XXXX. 

Kindly assist with getting an explanation. Thank you.
Product: Debt collection

Convergent Outsourcing emailed me claiming I owe {$330.00} from a company I do not recall having an account with and then immediately wanted me to pay a much smaller lump sum. Trying to contact C.O. they wanted all of my private info ( SSN etc ) before even speaking about my account. I had a weird feeling about being emailed about this collections account and that it doesnt show on my credit report. After doing some research learned similar situations were found to be scams. Wanted to file a complaint.
Product: Mortgage

I am in foreclosure. In 2006 XXXX XX/XX/2006 refinanced my home fraudulently. I did not request a loan and I did not sign any documents for them or any escrow company. I do not have knowledge of who requested the loan, or received money from the loan. Wells Fargo eventually has my loan and I did fall behind because of loss of income and could not keep up with my payments. I have completed several modifications asking to have my loan payment reduced and to have my missed payments placed in the rear of the loan. They have repeated denied me. This last medication they would not accept the cash payments that my boards paid to rent rooms from me. They said because it was cash I could not prove they paid rent. I submitted lease agreements and receipts. I finally took the boarders money and got cashier checks and resubmitted to Wells Fargo on an appeal and now they have denied me again. I think I qualify for you to review me under the class action lawsuit to XXXX case. I think it is called the Pick a Part Program. Keep Your Home California had approved me for a {$5400.00} payment to bring me up to date with payments. Now that Wells Fargo has contacted them and not me, they have cancelled the payment they were going to give me. They said it was because of the information Wells Fargo has submitted to them. I was submitted payments to Wells Fargo but could not bring it up to date. Wells Fargo returned several payments to me and said they wanted all money that I was behind. I continue to save the money that I have to pay on my loan but they wo n't accept it. According to my property profile the following finance companies are listed for my loan. XXXX XXXX, XXXX, XXXX " XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX ( XXXX times ), XXXX, XXXX XXXX XXXX ( two-times ). I did not sign any documents or these companies. A XXXX XXXX, Senior Loan Negotiator for XXXX DRE # XXXX XXXX, Ca. XXXX, XXXX fax. I now know this was a scam and illegal, he came to my home and said he could save my home and did nothing. He charged me {$1500.00} and I have the receipt where I paid him. We told him he violated SB XXXX and he said take it up with XXXX, because he does n't work for them any more. He drove a XXXX XXXX license plate number XXXX. I have documents to share if you tell me where to email them or fax them to. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX. I also have XXXX XXXX XXXX that has my permission to talk to you, and you talk to her, she has been helping me file paperwork. She is my neighbor.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The fact that this account was considered a charge off and this company never sent me a 1099C as well as 42 USC 408 you are never supposed to ask for a social security number on any loan it's fraud and a violation of XXXX. My information was exposed in the data breach and you need to remove this from my report. Do not to turn my dispute into a 30 day dispute and under section 605b, this needs to be removed within 4 days
Product: Credit card or prepaid card

In XXXX of this year, I filed a complaint with XXXX  regarding a fraudulent charge on my Chase XXXX card. As a brief aside, the charge originated in XXXX of this year. I disputed this charge with Chase in XXXX and they rejected the dispute in XXXX. I appealed their decision as I had a receipt. Another month elapsed without meaningful progress or a coherent explanation for the rejection, so I filed a complaint with XXXX. Days later Chase accepts my appeal and permanently credit my account for the difference between the receipt and the charged amount. Before I can retract the complaint with XXXX, I find out Chase has closed the XXXX account and XXXX has removed the account entirely from my credit report. Chase argued this was my fault because I indicated the credit line itself was fraudulent. As you can see from my documentation, this is not correct. I have spent the summer speaking with the Chase employees below trying to reopen the account and restore the lost chase ultimate rewards points. I'm here because I think they are truly powerless to make this right but have resisted pushing this issue to someone who can fix. At one point, I gave up on this and simply tried to reapply for the card. The system wouldn't accept my application because it is still showing up on my account. The following is a list of people at Chase who I've spoken to this summer. 

XXXX XXXX ext XXXX XXXX XXXX ext XXXX XXXX XXXX ext XXXX XXXX XXXX ext XXXX
Product: Debt collection

This Collection must be error as reported in my XXXX  Credit Bureau. Please provide me with the Validation of Debt and stop reporting it without VOD. Under the FCRA, I request an investigation on the responsibility and the amount of this collection. Please discard this collection for FCRA violations because I do not think it is 100 % accurate.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

On XX/XX/XXXX, I Sent a wire transfer of {$3000.00} to my brother XXXX XXXX. I sent it at XXXX EST under the impression it would be sent same day due to their website stating if wire transfers were sent before XXXX, they would be processed and sent to the recipient the same day. If sent after XXXX, it would be the next day. It's XXXX EST on XX/XX/2021, and the transfer has not arrived to his account. I called TD bank and spoke with XXXX. I explained to her the issue and stated I paid a {$30.00} fee to have this service send money the same day. XXXX does NOTHING to help the situation and tries to provide me with the FED reference number saying the recipient needs to track the money. I told her I did not call for the reference number as it's stated online already. I called to see where my money was at because I paid the bank for the service. If the service wasn't going to rendered, I want a refund and a reversal of my {$3000.00}. I told her I could have used western union service for same day. She said wires take up to 24 hours ; I told her that's not the issue ; the issue is the false advertisement on the banks site that DOES NOT have any small print that tells you how long the transfer can take. It just says same day. Screen shot attached. I told XXXX the call was being recorded due to her inability to assist. she hung up the phone at that time. I am sending the recorded call to XXXX.