23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Loan Servicing Complaint - Loan Servicing Mismanaged Excess Escrow Due To Incorrect Escrow Calculations Excess Deferred Payment Balance Due To Incorrect Balance Calculations Refusal To Correct These Calculation Errors Multiple Attempts To Bully And Coerce Me Into One Of Their Other Loan Programs Loan Particulars Wells Fargo Bank is the mortgagee on a loan with a balance of approximately {$270000.00}, secured by residence my at XXXX XXXX XXXX, XXXX XXXX VA XXXX. Wells Fargo is also the escrow agent for real estate taxes and hazard insurance associated with the property. 
The loan was originated XX/XX/XXXX. Loan payments were suspended under the CoVid 19 Relief and Omnibus Spending Bill beginning with the XX/XX/XXXX payment. 
Every payment required on this loan has been paid in full, on time. 

Real Estate Tax Relief - County of XXXX The combined effects of the Covid economy, personal injury requiring extended hospitalization and rehabilitation, reduced my income such that I was granted real estate tax relief for calendar years XXXX, XXXX, and XXXX ( upon certification of eligibility before XXXX XX/XX/XXXX ). 
In accordance, the County made the following refunds to Wells Fargo as the escrow agent : Calendar Tax Year XXXX Refunded {$5000.00} on XXXX XX/XX/XXXX Refunded of {$5300.00} on XXXX XX/XX/XXXX Calendar Tax Year XXXX Refunded {$5100.00} on XXXX XXXX Implications of Real Estate Tax Relief Tax relief has resulted in an excess escrow balance, an overstated suspended payments balance, and an incorrect calculation of payments due. 

Refusal To Cooperate Bank Denied My Request For New Escrow Analysis. 
Instead the bank tried to bully and coerce me into another of their financial programs. 

Refusal to Refund Escrow Overage Pursuant to the Regulation X 1024.17 ( f ) 2 In the case of escrow surpluses the escrow agent must refund them in 30 days. 
The bank claims the loan is delinquent. The loan has never been delinquent. Suspended payments are not delinquent payments. Suspension was granted by law.
Product: Credit card or prepaid card

Today on XXXX XXXX Chase Bank decided to close my account with out giving me any information as to why they closed the account. The worst part is that my paycheck was arriving to that checking account and thats where all the money I have is an all they say is that I can never open a account with them. They wont let me get my check out so that I can deposit it into my new bank and now I have no money since they have it all and dont give me a time frame when I can get it back.
Product: Checking or savings account

XXXX sent me a refund to a recently closed checking account, when i didnt get my money i called chase bank. Chase bank stated XXXX stole my money and put in a fraudulent report against them after going into a conference call between me, chase bank and XXXX. Chase bank also claimed they did not have my money and sent me on a verbal war with XXXX over my refund. A few days later I get a cashiers check from chase bank that turned out to be my refund from XXXX. Chase bank breached contract with me by lying to me about where my money was which is misrepresentation as well. Chase bank also slandered XXXX by specifically stating they stole my money when chase bank knew they already had my refund on its way to my mailing address. Chase bank couldve told me they sent a check out to my mailing address, instead they slandered a good business with serious accusations and violated contract between me as their client and them as a bank ( chase bank ). All Chase bank had to do was tell me they sent out a cashiers check to my mailing address, they chose to lie to me and violate federal and state law instead.
Product: Debt collection

i written the following companies with a debt validation letter and had no response, The company americollect and XXXX XXXX. I asked them to provide the original contract with my signature, the full payment history, name and address of original debt collector, and proof that they own the debt or have permission to collect. i have not recieved these and i would like them removed from my report!
Product: Debt collection

Every month, when the payment is not received by the due date, the company starts harassing me by calling up to 3 times per day Monday to Friday and up to 2 times each Saturday, up to 32 calls a week. I am never 30 days late ever, but the calls 3 times a day is annoying especially since they do not leave a message and at times will use numbers from other area codes and will not utilize my email and have not honored the the cease and desist letter sent in XX/XX/2023. The company refuses to refinance the current balance unless I want to increase my loan. Company has never honored the split payment, 2 times a month request. There are violating the 7 7 7 rule.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Wells Fargo opened an account in my name in XXXX. This was during a period when I was purchasing a property and subsequently the mortgage company I was working with withdrew the loan. I have to apply for a riskier loan in order to avoid losing the property. The difference in cost between the interest payments is significant and I would like to pursue damages. Please advise.
Product: Credit card or prepaid card

On XX/XX/2020 I called Bank of America about my credit card, because I according online I have a CREDIT BALANCE REFUND DEBIT of {$280.00}, I asked them what is this about? 
They said because the last 3 billing cycles I have had a negative balance, so they were sending me back that money. I said well can't you just cancel that and just re apply the {$280.00} to my credit card so there will be a balance because in the next couple of days I'm going to spend that and the some. The customer service person put me on hold and said they could cancel the check and re apply to my credit card balance so there would be a credit on my balance of {$280.00}. Well today XX/XX/2020 I called to make sure Bank Of America said they would do what they said they would do! The customer service person that I talked to said that they weren't seeing the check canceled for the {$280.00}, I'm like I spent a lot of time with your customer service to fix this issue and your telling me nothing happened??? Right now in my eyes Bank of America has {$280.00} of MY money and not applying it to my credit card balance like its supposed to be ( I paid them the money ) and they are making money on the interest somewhere and meanwhile I have a balance now on my credit card that shouldn't be there. 
Not to mention my statement just closed and it says I owe Bank Of America money, when realistically they owe me money. Why should I have to pay them more money when there should be a credit. I need help getting my money please.
Product: Debt collection

Represented themselves as a known insurance company online, was not aware until apetwork came in the mail.
Product: Credit reporting or other personal consumer reports

I was viewing my TransUnion credit report and noticed XXXX XXXX XXXX XXXX XXXX XXXX XXXX being reported as open in collections that is actually in paid and closed status at XXXX and XXXX. XXXX balances. XXXX. My TransUnion credit score does not reflect the excellent credit factors that you TransUnion is reporting on your platform which ironic to sat the least and a violation of Fair Credit Reporting, i further believe this infraction to demographically and racially motivated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

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. 

U S DEPT OF EDXXXX XXXX XXXX U S DEPT OF ED/XX/XX/XXXX XXXX U S DEPT OF ED/XX/XX/XXXXXXXX 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 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 of 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

XX/XX/XXXX XXXX XXXX of XXXX- I ask them to to try and Qualify me for a car under my Business EIN ( I did not give them my personal SSN ) and It still appeared on my Personal Credit File. 

XX/XX/XXXX This is the same situation as with XXXX XXXX of XXXX. 

XX/XX/XXXX XXXX XXXX - This is a legitimate Inquiry. I applied for a credit card. 

XX/XX/XXXX XXXX XXXX - This is a legitimate Inquiry. 

The below are all Inquiries that I did not authorize : XXXX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX  XX/XX/XXXX XXXX Lease Only XXXX XX/XX/XXXX XXXX XXXX XXXX Experian XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION ''15 USC 1962e ''. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A REPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am not a U.S. Bank customer but made an unsuccessful withdrawal transaction at a U.S. Bank ATM located in the same parking lot as the XXXX XXXX at. XXXX XXXX XXXX XXXX, XXXX, CO. Yesterday XX/XX/2023 at XXXX XXXX. I was making a {$320.00} withdrawal but the money slippped out of my hands and ban into the machine. I called 2 branches, was referred to customer service line, went into the branch on XXXX XXXX XXXX XXXX and spoke to XXXX XXXX XXXX who gave me a XXXX # which was supposed to be the number to their ATM Servicing Co. When I called it was the same customer service number. I feel like Im going in circles. Customer Service told me to contact my bank for a claim. My bank said they cant prove that I didnt actually receive the funds. Im just trying to at least get the number to their ATM Servicing Company. That Company will see that the ATM is {$320.00} over when they balance the machine out and if they review the footage they will see that the money fell back into the slot of the machine. I could hear it drop in the machine. and not onto my hands. It was XXXX XXXX dollar bills and XXXX XXXX XXXX XXXX  The debit card number ends in XXXX. The AID number is XXXX. I will also be reaching out to my base XXXX office to advise on the best way to resolve this matter. Please do not respond with another run around customer service number I need the ATM servicing Company number or someone at USBank security debt to watch the ATM footage. Thank you.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still other account that need to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected. XXXX XXXX XXXX XXXX : {$18000.00}.
Product: Checking or savings account

Urgent Complaint Regarding Missing Funds and ACH Deposits Simple/BBVA/PNC Transition Dear Consumer Financial Protection Bureau , I am writing to formally complain about the handling of my Simple Online Bank Account , which was backed by BBVA USA and later acquired by PNC Bank. Following the transition, I have been unable to access my funds or locate incoming ACH deposits from the U.S. Treasury ( IRS ), as detailed below : 1. - I was a customer of Simple Bank, whose accounts were serviced by BBVA USA. Simple Bank closed its operations around XX/XX/XXXX, and customers were informed that their accounts would transition to BBVA USA while maintaining the same routing and account numbers. 
- At the time of closure, my account had cash, which I initially wrote off as a loss after BBVA USA claimed no record of my account during a subsequent inquiry.

2. - Upon reviewing my IRS transcripts for XXXX and XXXX, I discovered multiple ACH deposits ( amounts and dates available ) that were sent by the IRS to my Simple/BBVA account 's routing and account numbers.

- These deposits were not returned as undeliverable, according to my IRS records, yet I never received the funds.

3. - I contacted BBVA USA and PNC Bank multiple times but was informed that there were no records of my Simple Online Bank Account, despite BBVA USA being the servicer of those accounts.

- My Simple Bank debit card was inactive and destroyed during the time of these missing deposits, further confirming I could not have accessed or withdrawn these funds.

4. - In XX/XX/XXXX, I IRS told me that they had to initiate a trace on the missing deposits. However, they have not provided any resolution or explanation for the missing funds.

5. - As a long-standing customer of Simple Bank with a clear paper trail of my account activity, I demand that the involved entities ( Simple, BBVA USA , PNC Bank , or the IRS ) locate and return my funds immediately. 
- If no action is taken, I will file police reports and consider legal proceedings for fraud, theft or mishandling of my finances. 

**Supporting Documentation** : - IRS transcripts from XXXX and XXXX showing the ACH deposits. 
- Proof of my Simple Bank account details, including the routing and account numbers. 
- Correspondence with BBVA USA, PNC Bank representatives and the IRS regarding this matter. 

This situation has caused significant financial and emotional distress. I urge your office to investigate this matter urgently and hold the responsible parties accountable. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage company has tried to run my equifax credit report 3 different times and comes back with an error saying no data found I spent 2 hours today on the phone and 1 hour the previous two days
Product: Student loan

Hello - I previously attempted to pay off my student loans in full on XXXX. Aidvantage failed to process the payment 4 separate times, eventually requiring me to transfer my funds to another bank in order to finally complete the transaction on XX/XX/year>. During the 1-month timeframe, additional interest accrued on my account which was due to technical issues cause by Aidvantage. My payment on XX/XX/year> was for the amount I attempted to pay on XXXX ( {$61000.00} ), the remaining balance in my account is the aforementioned accrued interest due to Aidvantage 's technical issue. I would like that amount due erased from my account and my loans being designated as officially paid in full. Please contact me at the following there are any additional questions : XXXX ( XXXX ) XXXX Thank you in advance for the help, XXXX
Product: Credit reporting or other personal consumer reports

in XXXXXXXX XXXX XXXXXXXX, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items
Product: Prepaid card

I have been with RushCard for about 3_4 years now all of a sudden beginning XXXX of 2015 there has been an issue with me getting my funds into my account here it is again XXXX XXXX and again the same problem no funds from my job direct deposit been calling since XXXX XXXX no answer I have no money and XXXX kids what am I suppose to do mean while I did n't even receive an email or nothing please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted the accounts listed below & they told me I've never missed a payment, yet XXXX, XXXX and TransUnion refuses to fix the accounts from being listed late. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do XXXX, XXXX and TransUnion 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to correct these damaging negatives from my profile. 
DEPTEDXXXX  XXXX Date opened XX/XX/XXXX Balance {$19000.00} XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$790.00}
Product: Debt collection

I have been called 2 - 4 times daily, including weekends by Transworld Systems since XXXX XXXX. They refuse to talk to me unless I confirm my information is correct. I told them, you called me, I do not know who you are and refuse to give you any information. They immediately become aggressive, and tell me they will not remove my phone number without first confirming my information and that if I want anything from them then I have to confirm my information. They refuse to remove my phone number or send me correspondence through writing unless I confirm my information and I refuse! They leave and empty voicemail, which fills my voicemail box before the end of the week. I can not delete them quick enough and have missed numerous important calls because my voicemail box is full from there blank messages. They continue calling from different numbers starting with XXXX. Several have claimed to have already contacted me via writing, I have no idea what they are calling for as they refuse to tell me unless again I confirm my information. If they have contacted me via writing, then they know my information and do not need me to confirm it. I believe this an attempt to collect a debt from XXXX XXXX XXXX XXXX XXXX, whom has already told me that I have no debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

It shows a 30 day late payment on my credit report for my XXXX credit card on XX/XX/2021. Autopay was set for this account and I was never notified about this late payment. This is materially inaccurate and is causing financial hardship.
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report, dated, and found an entry that reports payment transactions. According to the FCRA, payment transactions are not allowed to be included in the credit profile as they do not represent an extension of credit or a debt obligation. This reporting violates the FCRA in the following ways : Inaccuracy : The entry inaccurately reflects my credit history by including payment transactions that do not pertain to any credit or debt-related obligation. 
Misleading Information : The inclusion of payment transactions misleads potential creditors and lenders by suggesting that I have a credit history or debt obligations that do not exist. 
FCRA Compliance : The FCRA explicitly states that credit reporting agencies, such as TransUnion, are required to ensure the accuracy and fairness of the information they report. Inclusion of payment transactions on my credit report is a clear violation of this requirement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been mailing letters requesting that items on credit report be verified with detailed information sent to me, as well as other information that were reporting inaccurate to be removed, and lastly I have gotten no response from them in regards to my requests. I have not been notified when an investigation was launched yet alone if it was completed. This problem has existed since XXXX of 2020. It frustrating because the inaccurate information and unverified accounts are causing mishaps in my finances.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 accounts on my Transunion Report that I have disputed and requested that these accounts be verified and each time, the response is " verified '' but no documentation or explanation of their process on how they verified the information. These accounts are NOT mine and Transunion is reporting inaccurate information that is defaming my name and credit ability. 

1. XXXX XXXX XXXX XXXX opened XX/XX/2017 for {$1100.00} 2.XXXX XXXX XXXX XXXX ( Collection Account ) with XXXX XXXX XXXX as the original creditor for {$430.00} These are not my accounts and should be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sent letter outside the deadline period of the 30 days to providing the promissory notes from XXXX University original signatures. The letter is post dated On XX/XX/XXXX and only provides promissory note from XXXX XXXX.
Product: Student loan

I was in deferment or forbearance for dates it shows late. I'd also like to see the original contract with signature for loans but this was never provided. It shows I owe {$270000.00} for student loans. Therefore I think this is quite reasonable to expect a fee breakdown. Id also requested a copy of letter letting me know loan was was sold and a copy of the actual letter indicating it was sold. Also please show how amount figured. They didnt show proof I was late and not in either deferment or forebearance.I didnt take original loans with Navient. I want proof of everything they gave me a fee for or reported as late.