23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Our loan was sold from XXXX to XXXX Mortgage XXXX. 
It seems the servicer is double billing use for property tax billing. I have attached examples of the error. We have called multiple times and have yet to get a response to our concern. 
As seen, the documents from XXXX XXXX outline all payments that are to be deferred for the home loan : The total amount of {$55000.00} is stated as including an escrow balance and other past-due amounts to be deferred totaling {$12000.00}, and a principal interest of {$43000.00}. 









Now as seen on the documents provided by ServiceMac we have the same deferred amount of {$55000.00}, only this amount is not listed as the total amount deferred as in the XXXX documents, but rather the deferred principal balance only. This suggests that the escrow balance has not been added even though we can clearly see from the above documents that it has been included in the total amount deferred of {$55000.00}. In addition to this amount we see listed another escrow balance of {$10000.00} : This is clear evidence of an additional escrow balance being added to the total amount deferred. XXXX amount of {$12000.00} which is included in the total amount deferred, and an additional {$10000.00} escrow balance which only appears after ServiceMac takes over handling of the loan. Please see the attached PDF files to verify these findings. We would like a prompt explanation as to how ServiceMac plans to correct this issue as our monthly Mortgage amount is currently being effected by the error.
Product: Credit card or prepaid card

I AM VICITM OF AN IDENTITY THEFT, I HAVE BEEN SCREAMING ABOUT THIS FOR THE PAST ONE YEAR IF NOT LONGER, THIS IS RIDICULUS THIS FRAUDULENT XXXX BALANCE ACCOUNT NEEDS TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY. A THIEF HAS MAINTAINED THIS ACCOUNT AND MADE CHARGES ON THIS ACCOUNT, THE CHARGES AND THE ACCOUNT IS FRAUDULENT, IT IS NOT MINE, DOES NOT BELONG TO ME. 
THIS FRAUDULENT ACCOUNT NEEDS TO BE REMOVED FROM MY CREDIT REPORT
Product: Mortgage

I was contacted to apply for a XXXX FHA Mortgage by my current mortgage holder. After getting the approval I let them know I was going to shop the rate and I did. I found another company who was offering me the same mortgage program for .75 % lower rate. I also let them know I was going to shop that rate back to the original loan originator and they said that wasn't a problem. Fast forward a few weeks and due to the original loan originators unwillingness or inability to match or come close to the same rate I decided to go with the second company but let them ( the original ) know if things went sideways with the second i'd come back for theirs. 

I was told by the original company they were going to close my file down regardless and I asked them not to. There were no further communications from me to them, or them to me. The second company filed for a release of the FHA Case number on Monday XX/XX/2019. Later that day I got an email from the original loan originator asking for additional information from me which I provided. I figured they were positioning themselves in the event something went south with the second company. The FHA guidelines indicate a 3 day grace period to release the case as I was already clear to close once the second company got the case number. 

Today, Wednesday XX/XX/2019 at XXXX this morning I received a call for the original company and was asked if I wanted to release the FHA case file to the second due to a refinance. I said yes. About 10 minutes later I received a call from the original company which I was unable to accept. An hour and I hear from the loan coordinator at the second company indicating i'm still clear to close ; however, the original company still hasn't released the FHA case file. I sent an email to the original company demanding the release, and after a series of unprofessional emails ( which I have retained ) from them denying any responsibility and in effect taking no responsibility for the failure of them to perform under FHA guidelines due to internal processes.
Product: Student loan

On XX/XX/2017 I completed and signed Federal Loan Rehabilitation forms with Pioneer Credit Recovery. It stated that my monthly payment amount would be a certain amount, first due on XX/XX/2017 and on the same day of each month thereafter. I made my payment on XX/XX/XXXX and the Pioneer staff told me that the wage garnishment would be stopped ( Pioneer never stopped it ). The wage garnishment did go through twice -- taking a huge amount of money making me unable to pay my rent this month. I called them on XX/XX/2017 and spoke to at least XXXX different Pioneer staff, including a manager, who stated that I was told that the wage garnishment would stop on XX/XX/XXXX and I was " out of luck ''. I spoke to other staff at Pioneer later in the day and all XXXX stated that I was in fact not told that and to call back tomorrow. I called back today, as requested, and the manager was not available. The staff told me to give my call back number and the manager would call me back. I have been lied to and given the run around since XX/XX/XXXX. Please help.
Product: Debt collection

Good Evening ; I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Consumer Loan

I received a settlement check from my ally car financing company The check was deposited and it bounced in my account for amount of {$430.00} When I called to complain they said to send them proof because on there end it was cashed Which I submitted forms and every time I call them I get new reference new worker and no end result just that check is coming
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO, MY NAME IS XXXX XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNTS IN MY NAME FRAUDULENTLY : ACCEPTANCE NOW OPENED : XXXX XXXX DEPARTMENT OF EDUCATION/XXXX  OPENED : XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX  ) OPENED : XX/XX/XXXX AMT. XXXX XXXX  XXXX XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX  ( XXXX   XXXX XXXX  ) OPENED : XX/XX/XXXX AMT. XXXX XXXX ( XXXX XXXX ) OPENED : XX/XX/XXXX AMT. XXXX XXXX ( XXXX XXXX ) OPENED : XX/XX/XXXX AMT. XXXX XXXX ( XXXX ) OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX  XXXX XXXX XXXX ) OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX XXXX  OPENED : XX/XX/XXXX AMT. XXXX I WOULD LIKE THE ABOVE REFERENCED FRAUDULENT ACCOUNTS DELETED AND THE FRAUDULENT INQUIRIES. 





Inquiry details XXXX  XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX MD, XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Best Regards, XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft and some of my accounts were compromised. After finding out about this, I immediately reported the concern to the credit bureaus. Some of the accounts on my reports are not even mine, some were used fraudulently causing unauthorized charges and negative remarks on my reports. Please delete this account and hard inquiry, they are fraud and not mine : XXXX XXXX XXXX - XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XXXX - XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX. Fraud inquiry : XXXX XXXX XXXX XX/XX/XXXX These accounts were compromised and are reporting late because of unauthorized charges. I need your help in removing the negative remarks on the account due to identity theft. The compromised accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I have attached my generated FTC from http : //reportfraud.ftc.gov/ as instructed by the bureaus. I have also included here my ID, social security card, and proof of address.
Product: Mortgage

For 2 years, XXXX and XXXX, Wells Fargo has not correctly calculated the Escrow shortage or surplus. 

* In their report of Escrow Account History for the period XX/XX/XXXX through XX/XX/XXXX they excluded to include the month of XXXX. Their report listed XXXX then lists XXXX. They failed to include the XXXX escrow payment in their calculation of Escrow shortage or overage. 

* In their report of Escrow Account History for the period XX/XX/XXXX through XX/XX/XXXX, which they ran as of XXXX, they excluded to include the month of XXXX. Their report listed {$0.00} for XXXX but did include an estimate for XXXX. Their failure of not including at least an estimate for XXXX caused the calculation to be an Escrow shortage instead of an overage. 

I called Wells Fargo and even sent them a detailed letter. My last letter to them was in XX/XX/XXXX asking them now that XXXX is over to please recalculate the escrow shortage using actual data for XXXX. They refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ad Astra refuses to VALIDATE this account. I received no documentation validating this debt as legally requested The right of subjugation does not exist for a stranger to the transaction. XXXX XXXX XXXX, XXXX XXXX. This company is required under the FCRA to have properly verified the accuracy of an account listed on my credit report. Where are the documents that you used to verify/validate these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. XXXX 's XXXX XXXX, XXXX Edition, XXXX, defines " Verify '' as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) " To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and " Verification '' as, " Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. '' Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a " Reinvestigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). This is a request for VALIDATION. Provide me proof I have a signed contract with your company. All this has occurred at the end of XXXX and month of XXXX
Product: Mortgage

Freedom Mortgages manages my home mortgage. I pay my mortgage online through XXXX XXXX XXXX. I received a letter dated XX/XX/19 stating Freedom Mortgages had not received the XX/XX/XXXX payment for my home loan and was instituting a {$15.00} late payment fee. My first response was to visit my XXXX XXXX XXXX branch bank on XXXX XXXX in XXXX, WV. My teller, XXXX, assured my XXXX XXXX XXXX had issued a check for the XXXX payment which was delivered on XX/XX/19. This was the first time I had learned that Freedom Mortgages does not accept online payments and required my bank to issue a check each month to them upon my request for the online payment. Upon my return home, I called Freedom Mortgages. Employee ID # XXXX responded to my inquiries about the payment by saying there was nothing he could do. He insisted his company had contacted all mortgage holders to change the address for payments. I told him the message sent in XX/XX/XXXX was addressed to all people who paid their mortgage with a check. I read and discarded the message because I paid my mortgage online. I explained I had received a second message on XX/XX/XXXX which added people who pay online should also change the address. I edited the address on XX/XX/XXXX, and I told the employee of Freedom Mortgages I should think that the XXXX XXXX would be open at least through the end of XX/XX/XXXX. I asked to speak with a supervisor. The employee asked if he couldn't find a supervisor, would I be willing to speak with a customer satisfaction ambassador. I agreed and spoke with employee ID XXXX who said the payment might have been thrown out and requested I pay immediately over the phone. Expressing my distrust of the responses given thus far, I asked for some type of response from Freedom Mortgages to safe guard me in case the check was cashed even though I had issued a second check for XX/XX/XXXX payment. I informed Freedom that my bank would charge me {$35.00} for a stop payment on the " lost '' check. After some time spent on hold employee XXXX returned to the phone to inform me my " lost '' check would be returned to my bank. To my question of when would the check be returned the employee informed me there was no way to determine when and again requested access to my bank account for the XX/XX/XXXX payment. I told the employee when my bank received the check I would reissue the payment. The employee told me if I didn't make the payment by the end of XX/XX/XXXX I would suffer negative financial consequences. I am a XXXX   XXXX on limited income. My finances can't uphold two mortgage payments in a single month. I think at the very least the late fee, the stop payment charge should be shouldered by Freedom Mortgages. I asked that my screen be notated about the " lost '' payment stopping any penalties or effects on my credit. This request was denied and backed up with the threat to my finances. Please help regulate this company. 
XXXX XXXX XXXX XXXX, WV XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I informed Santander of an impending storm and my inability to make the upcoming payment. I reached out again on XX/XX/XXXX to report the flooding caused by the storm, which resulted in two feet of water in my house. I explained that I was exploring payment options but could not provide one immediately due to the approaching storm, Milton. Subsequently, I made a payment of {$930.00} on XX/XX/XXXX. However, a notification on XX/XX/XXXX indicated a XXXX late payment. Following this, I made additional payments of {$200.00} and {$930.00} on XX/XX/XXXX.
Product: Checking or savings account

My identity was compromised in XX/XX/XXXX and my banking information along with my SS # were stolen and subsequently used in three Truist banks in NC XXXX XXXX, XXXX and XXXX ). Four total transactions were completed totaling {$30000.00}. 
Two of the four transactions took place at the XXXX location with in few hours of each other. ( I am amazed that this didn't trigger a question or two from the banker ) One in XXXX and the last in XXXX NC. 
All transactions were targeting my equity line of credit. Two transactions were funneled through my checking account and the other two were direct withdrawals from my equity line. Truist did replenish the funds that were funneled through my checking account ( {$14000.00} ) within 24 hours of my complaint. However, the direct WDs from the equity line have not been resolved ( {$17000.00} ) includes one missed payment and interest. Apparently the direct WDs from the equity line require a different fraud complaint along with an affidavit. My local branch VP helped me complete the required documents and forwarded to the correct division within Truist on XX/XX/XXXX. 
Unfortunately, as of XX/XX/XXXX, Truist ( Equity Line Division ) has not confirm the acceptance of my Fraud complaint nor have they responded to my local branch when my equity account will be corrected. This has been the worst case of negligence involving a serious customer issue that I have ever experienced. I have received more information from the police detectives in each of the cities than Truist has offered. I have a right to know and I need your help to get the information I deserve. 
Best Regards
Product: Credit card or prepaid card

company called Serve sent an AMEX card with bank account and routing number. I did not request this. This kind of marketing or solicitation presents a risk to consumers. It's deceptive and misleading.I still do not know why I received this. No live human is available to answer. i want the account closed.

I would attach a copy, but it has account info on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian keeps listing my XXXX XXXX account as over the limit. XXXX XXXX has no credit limit on their cards. The balance is paid and due monthly. Experian is aware of this and additionally I have disputed this several times to no avail. The effect is a lower credit score and negative remarks on my report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting " LOAN MODIFIED '' on my Experian Credit Report, XXXX and XXXX which is not accurate. This is having a negative impact on my ability to apply for a credit card. I have included a screenshot of the tradeline, my most recent statement from XXXX XXXX, a complete copy of my credit report, and a copy of the decline letter from a separate creditor.
Product: Credit reporting

Hello my name is XXXX XXXX. my investigation is not yet complete, from XXXX, Equifax, and XXXX. they must provide to me the case # with the company who report my name, and also tell them they must give me access to dispute it online at the same time. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for purpose.
Product: Mortgage

I default on my mortgage due to work related injury, and apply for help to Keep Your Home California and was able to get approve for {$39000.00} to Principal Reduction program ( PRP ). To Pay any past due amounts and reduce remaining balance of first mortgage and bring monthly Mortgage to an affordable.. 
So in months later Seterus, INC had send me a Loan Modification to sign and return and Seterus representative call me stating that the only way to get approve for the money founded to my account from " KYHC '' is by signing modification. next day later Seterus Manager XXXX XXXX Call me again asking for the sign modification, And said if they did n't receive with in a week they were going to reject my founded money back to " KYHC '' and the house would be foreclose. So I had filled out Documents to keep my home and have a reduce Monthly affordable payment. I send this documents back to Them sign. On XX/XX/XXXX I paid my mortgage ( {$1700.00} ) upon agreement and they call me back stating that I was short on my payment that my payment was suppose to be at ( {$2100.00} ) So I was short ( {$440.00} ) So I ask to explain how was that possible when I had filled a mortgage modification and I had a principal reduction to bring down my mortgage to affordable payment. and that was not affordable my payment when up {$440.00}, and is not on the documents that I had sign. 
Seterus Representative could n't not give me an straight answer and they got higher Supervisor to assist and She first said that it just gone up So that 's what I need to pay, And I told her to Explain why she said that Property taxes when up and It did n't and than she Said That because of PMI insurance, Then she said because of Shortage on property taxes or it could be something but she does n't know for fact..