23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a mortgage for my home in Maryland with RoundPoint Mortgage Servicing. 

On XX/XX/XXXX, {$100.00} was deposited in my Escrow account as " Interest on Escrow. '' In XX/XX/XXXX, I received a 1099INT form from my mortgage holder confirming showing {$100.00} interest earned on my escrow account. Given receipt of this 1099INT form and confirmation in my online account information, I included this interest income when I filed my calendar-year XXXX taxes and thus paid taxes on this income. 

While checking my mortgage status in XXXX, I noticed that a debit had been made from my escrow account on XX/XX/XXXX, marked as a " Miscellaneous Disbursement, '' in the amount of {$100.00}, with no other explanation for this debit. 

I called the mortgage servicer on XX/XX/XXXX to ask for an explanation. Their phone representative said that the interest payment of {$100.00} on XX/XX/XXXX was " an erroneous deposit for Maryland mortgages '' and was thus deducted from my escrow balance. No other explanation has been offered. In XXXX ( the year my mortgage originated ), I was paid interest on escrow, and there was no indication that I would not be paid interest in XXXX. According to Maryland Code 12-109, interest shall be paid on escrow accounts. 

The servicer seems to imply that the interest on escrow was a mistake, even though a 1099INT form was issued. There has been no other communication from the servicer that I should either ignore the 1099INT form or that interest may or will not be paid in the future. 

This could result in large overpayment of taxes by anyone with a mortgage with this servicer, as receipt of a 1099INT form means the filer has to include that income in his/her tax forms.
Product: Debt collection

The original debt of {$130.00} was not only paid discharged, this collections agency has reported the wrong date/year to the credit bureaus, resulting in a negative collections entry of {$160.00} on my credit file/report at the credit bureaus and a removal date of XX/XX/XXXX. This suggests that the original date/year of delinquency to be XXXX. This is incorrect. I have contacted the company multiple times to inform them of the status of this debt, but they refuse to acknowledge the information I give, and they refuse to take action.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRCA Violation credit card CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXXY XXXX FRCA Violation enquiries XXXX Mortgage Reporters Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX Mortgage Reporters Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Unions Inquiry date XXXX XX/XX/XXXX Removal date : XXXX XXXX XXXX Bank Credit Cards Inquiry date XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Unions Inquiry date XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Bank Credit Cards InquirXXXX XXXX XXXX XXXX XXXX, XXXX Removal date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date XXXX XXXX XXXX, XXXX Removal date : May 2022 700 XXXX XXXXXXXX Automobile Dealers, Used Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Unions Inquiry date XXXX XXXX XXXX, XXXX Removal date : XX/XX/XXXX FRCA Violation address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a issue with unrecognized addresses appearing. I also have a few name variations on my file that are not correct. my full and correct name is XXXX XXXX XXXX XXXX please remove any other variations of my name. The following addresses are not mine please delete : XXXX XXXX XXXX XXXX, OH XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX There is a error account from FCRA XXXX, XXXX, XXXX, XXXX # XXXX, XXXX XXXX   # XXXX, XXXX XXXX # XXXX. 
Chapter XXXX bankruptcy XXXX.
Product: Credit reporting

I submitted a dispute regarding the retention of a tax lien on my credit report that has been paid and released. Because Equifax continues to report the lien although it lists the lien as paid/released it continues to be a derogatory notation and negatively impacts my credit score. Both the IRS and the Records Department stated that they Do Not report to the credit agencies and this old debt has nothing to do with Equifax there is no one to discuss the matter with ( IRS ) or ( XXXX XXXX XXXX XXXX I have no recourse and am at the disposal of Equifax and it has No stake in this matter and only serves to be a noose around my neck. 
The other CRAs have deleted this derogatory information and there is no reason that Equifax should not delete the information as well.
Product: Debt collection

I have repeatedly asked for the signed application fro the year this account was open and have been refused this information This company bought the debt from another company.
Product: Debt collection

I was contacted yesterday, XX/XX/XXXX, by a company named XXXX XXXX XXXX XXXX claiming i was going to be served papers today, XX/XX/XXXX, on an account that went delinquent in XX/XX/XXXX if I did not agree to take action immediately. Since XX/XX/XXXX, I enlisted in the XXXX XXXX in XX/XX/XXXX. During my service, I underwent an investigation to obtain a security clearance and was forced to take care of all debt on my credit report. To the best of my knowledge, I had 3 accounts that I called and settled. None of those accounts were this account that I'm being sued for. I was able to obtain my clearance meaning my report was cleaned up and I was out of delinquency in all accounts. I got out of the XXXX in XX/XX/XXXX and have since then purchased two vehicles and a house. None of these transactions reflected a delinquent account with US Bank. I was unaware of this 'delinquent ' account until yesterday and feared being sued in court. I agreed to set up a payment plan with the first payment being withdrawn from my account in 2 weeks, XX/XX/XXXX. I do not know what to do at this point. I feel as though this is a scam to collect an expired or time-barred debt. 

Original account number : XXXX Original Creditor : US Bank Total Balance : {$1200.00}
Product: Checking or savings account

I opened a Citibank account and about two weeks later I was in a car accident and I in my wallet and phone and everything was lost. I was in the XXXX  for two weeks after that and the bank said within two weeks someone tried to deposit fraudulent checks in my account and then take it out at the bank, but I was in the XXXX  They had a fake ID, so I tried to ask the bank can I give you the information from the XXXX XXXX that I was there for two weeks while all this was going on and they said no theyre closing my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple disputes to have my personal information corrected. 

My only name is as listed : XXXX XXXX My only address is as listed : XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX My year of birth is :XX/XX/XXXX My only employer : XXXX XXXX XXXX XXXX XXXXXXXX. 

All other alleged names and addresses need to be remove expeditiously.
Product: Payday loan, title loan, or personal loan

I received a letter dated XX/XX/XXXX affirming that a loan that I initiated in XXXX of XXXX ( due to be paid off in XX/XX/XXXX ), was now paid in full with NO PREPAYMENT PENALTY!!!!!!!!!
Product: Payday loan, title loan, personal loan, or advance loan

I did a refi installment loan in XXXX of 2022. Although I made double payments and an extra payment, I was charged a {$30.00} late fee and NSF of {$10.00}. I called in to question and was told a bunch of lies. The rep claimed I was late over 2 years ago, and they now want to charge me a late. She claimed that I was charged lates previously and this is not reflecting on their portal. It is very shady and deceptive to hide fees and show payments and how it is applied with interest paid down or accrued.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These are not recognized
Product: Debt collection

Hello, I have called to speak with Finance System of Toledo on several occasions starting XX/XX/XXXX. During the initial call I spoke with XXXX XXXX and explained to XXXX that an account from XX/XX/XXXX was on my credit report and I am unsure what the account is. XXXX goes on to tell me that the account is paid and what it is from. I explained that I have never received any notification of this account in the past and that I am unaware of the account. XXXX said " No worries he would send over a request to have the account removed from my files '' which it is only listed on XXXX. I called XXXX to let them know they will be receiving notification to remove the account. I called back later that day to double confirm the deletion and a lady representative stated XXXX did send the request and it will be removed. I called again XX/XX/XXXX to confirm again because the account was still listed on my XXXX report and was transferred to XXXX XXXX and he confirms that the request was sent and it would be removed soon. On XX/XX/XXXX I checked my XXXX report and noticed Finance System of Toledo is still listed on my report. I called XXXX and they stated they they never received the request to delete but in fact they received information to keep the account listed and recommend me to contact the agency. I called and was transferred to XXXX XXXX and explained the situation again. This time he stated that he sent information stating the account was paid. I explained the account was already listed as paid so that request would n't have been requested and reminded him that he stated he was sending a request to delete the account. XXXX says " oh yes that request was sent and I will have our department resend it ''. I called XXXX to update them on what was stated. I then call Finance System of Toledo to confirm this " special department '' that handles deletions and the female rep stated there is no such department. I explained I am very confused and quite irritated with the lies XXXX XXXX and the other reps that confirmed this deletion. I asked to speak with a Supervisor. No Supervisor was available so I left a message for a XXXX. XXXX returned my call at XXXX EST on XX/XX/XXXX and stated she does not see any notes from any of the reps I spoke with and she would need to look further into the issue because she has no call history for me. I am done with getting the runaway from Finance System of Toledo and am willing to take the proper legal steps if the account is not removed.
Product: Bank account or service

Bank of America refuses to transfer my mother 's IRA to another bank. We decided to move it from BOA because they refused to do a change of address or a direct deposit of the required IRA monthly withdrawal of funds. The checks, good for only 90 days were repeatedly mailed to an old PO box we wanted to close out and three times we had to ask for new checks to be issued because the checks had expired by the time we received them. For no valid reason, BOA failed to direct deposit the checks despite my filling out the forms. It even took a month for the forms to arrive within the same town. XX/XX/XXXX I asked XXXX XXXX Bank to initiate papers to have the IRA transferred to them from BOA. BOA has dragged their heels and refused to transfer the funds despite repeated phone calls. BOA has a reputation for being extremely slow to release funds or respond to requests. We feel they are a shady and questionable bank. We want the IRA transfer to XXXX XXXX to be done immediately and for BOA to relinquish all hold and illegal use of the IRA money without permission. We believe without outside intervention they will string us along indefintely, ignoring the transfer request and continuing to illegally benefit from the funds while depriving my mother from their benefit. I am her legal guardian of person and estate and BOA has had these papers since XXXX 2013.
Product: Debt collection

On XX/XX/XXXX ( via USPS Return Receipt # XXXX XXXX XXXX XXXX XXXX XXXX Creditors ' Discount & Audit Co received a request for validation from me for two alleged medical debts. CDA not only failed to validate the inaccurate debts but also accessed my medical information without a HIPAA Release Form. Furthermore, CDA failed to document a current business relationship between them and the alleged original creditor. I've disputed these inaccurate tradelines with the major bureaus several times, of which CDA consistently verified these erroneous debts. I've filed two separate disputes with the credit bureaus ( # XXXX, XXXX ) to no avail. In the midst of these disputes with the Credit Reporting Agencies , Creditors ' Discount & Audit Co went on to change both account numbers without notification or explanation. 

I've never done business with Creditors ' Discount & Audit Co. There are no documents bearing my signature of any services or products rendered to me from CDA. 

CDA is in gross violation of the Fair Debt Collection Practices Act and Health Insurance Portability and Accountability Act, and according to these laws, they must remove these invalid accounts from my credit reports. 

In an honest attempt to solve this issue amicably, I've allowed CDA to ruin my credit far too long. I trust they'll finally govern themselves accordingly. 

Thank you, XXXX XXXX CC : Illinois Attorney General, XXXX XXXX XXXX, US Department of Health and Human Services
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was in deferment but XXXX XXXX XXXX reported it past due and after reporting it past due changed the loan to current.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received an email saying that I have created a profile money lion. I have never even heard of the this company. I called to speak with customer service which they were not helpful at all. They kept trying to get me to disclose information XXXX. full name and last 4 I did not provide any info because I felt it was a scam. The service rep said that the account was created and the only way for me to stop the account was to provide Information to stop the account. It did not sit well with me so now Im here trying to stop fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts on my credit file that I did not open. I'm not sure how these companies allowed someone to open accounts without my consent. I would like for the several companies to please provide CFPB and myself the applications used to obtain credit and along with a copy of the identification that was used. XXXX, Transunion and XXXX has reported this information to my credit file in error. The account are as follows : XXXX/XXXX/XXXX XXXX/XXXX/XXXX, XXXX XXXX, XXXX XXXX ( 2 accounts ), XXXX XXXX XXXX and XXXX XXXX XXXX. Also there are many inquiries on my credit report as well please remove them as well from XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX.
Product: Mortgage

An automatic payment was scheduled for XX/XX/XXXX. During the transition of my bank, the routing and account numbers were changed resulting in a bad draft payment. The same day, I made an electronic payment from another bank ( after moving the cash around ) and it cleared my account the same day. Since XX/XX/XXXX, we've opened 6 cases for research which has amounted to nothing except threats that we are behind on our mortgage ( which, we aren't ) and the staff is not helpful at all. Every week we call, they tell us it'll be another week. One representative literally told us nothing was done with our case and they just closed it. We conferenced in a representative from our bank who provided the trace number so they could find the money on their end but still, no credit to our account. We're going on 4 months here and someone else probably has my payment attached to their account!
Product: Mortgage

Santander Bank failed to settle Federal Complaint under The Consumer Credit Protection Act in connection with vi0latioin of The Fair Credit Report Act by Santander Bank. Santander Bank wrongful course of action Is as stated be unfair billing, not providing license to collect a debt, and not providing a validate OMB control number under the Paper reduction Act of 1995. Escrow account is increasing at the same time the payments for the mortgage are increasing.
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX PHOENIX FINANCIAL SERV XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me PHOENIX FINANCIAL SERV XXXX Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Debt collection

company will not let me pay the {$500.00} which should be the amount of this debt. 
I tried multiple times to pay the debt but LVNN is charging XXXX which is more than owed.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify your bureau that I have been a victim of a data breach that has compromised my personal and financial information. As a result, I am requesting the immediate blocking and deletion of the accounts listed below in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts were opened without my knowledge or consent and are a direct result of the breach.

Please take the necessary steps to block and delete the following accounts : XXXX. XXXX XXXX - XXXX - XXXX : XX/XX/XXXX - Amount : {$40000.00} XXXX. XXXX XXXX XXXX - XXXX - Opened : XX/XX/XXXX - Amount : {$57000.00} XXXX. XXXX - XXXX - Opened : XX/XX/XXXX - Amount : {$7200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Opened : XX/XX/XXXX - Amount : {$51.00} XXXX. XXXX XXXX - XXXX - Opened : XX/XX/XXXX - Amount : {$9500.00} XXXX. XXXX XXXX - XXXX - Opened : XX/XX/XXXX - Amount : {$37000.00} XXXX. XXXX XXXX - XXXX - XXXX : XX/XX/XXXX - Amount : {$29000.00} XXXX. XXXX - XXXX - Opened : XX/XX/XXXX - Amount : {$17000.00}
Product: Credit reporting or other personal consumer reports

Company continues to furnish fraudulent information to my account. Company has been sent ftc report along with several notices via priority mail but continues to furnish the fraudulent information. This company also continues to furnish fraudulent personal information/addresses along with the accounts. This is a direct violation of 15 USC 1681. Please remove this account from my report immediately. 

Account # XXXX Address : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There is information on my credit reports that I did not authorize or open up on XXXX, XXXX and Equifax. I received an alert that my identity was potentially compromised, and my social security number may be on the dark web. The Social Security Administration. When I finally got access to my credit reports, I found accounts on them that do not belong to me or have access to. I contacted the credit reporting agencies to challenge the validity of the accounts, and I have not received a response yet. It has been over 45 days now. There are multiple inquires on my credit reports, there are addresses that I have never lived at or can identify the location of, there are places of employment that I have never reported or worked at in my credit file. Also, there are home addresses that I have never lived at or used to apply for any credit. THE ACCOUNTS THAT ARE IN QUESTION DOES NOT HAVE MY CORRECT NAME ON IT. I contacted the credit reporting agencies on XX/XX/year>.
Product: Mortgage

I purchased a house back in XXXX with an XXXX/XXXX/XXXX loan. The loan was mainly an interest only loan. In the XX/XX/XXXX my wife and I divorced and neither one of us could afford the house and it went to foreclosure and was sold on XXXX/XXXX/XXXX. Since that time frame roughly XXXX years the XXXX mortgage company SLS has continued to show their portion of the loan on my credit account and are not cooperating with resolving this issue. They have never sent any legal notification that they were pursuing payment for their portion of the loan.
Product: Debt collection

Fraudulent application was submitted to Affirm Inc in my name and my identity was used without my consent to obtain goods and services. I have made several attempts to call and file a dispute to Affirm Inc but no luck. They turn me down claiming information is matching and did not close my case. This issue was reported to the credit bureau XXXX and I'm working very hard with trying to dispute this information.