23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX, records from The Money Source , Inc. ( TMS Inc. ) show they issued a disbursement from our escrow account for {$1000.00} to XXXX County for XXXX property taxes. However, according to the XXXX County Treasurer records, this disbursement was never applied to our parcel. 

In XXXX of XXXX, we were made aware that our taxes had not been paid. So we paid {$1300.00} ( {$1200.00} Original Amt + {$110.00} Interest/Fees ) directly to the county from our personal account on XX/XX/XXXX to bring the property in good standing. 

On XX/XX/XXXX, records from TMS Inc. show they issued a disbursement from our escrow account for {$1500.00} to XXXX County for property taxes. This record is in agreement with the XXXX County Treasurer records, and shows it was correctly applied to our parcel correctly. 

On XX/XX/XXXX, I called and spoke with a representative from TMS Inc. notifying them of the discrepency in the disbursement they claim they made on XX/XX/XXXX to my parcel from our escrow account. I informed them that the XX/XX/XXXX disbursement for {$1000.00} was not showing on my parcel and that I would like to know what happened to those funds from our escrow. They took my information and concerns down and told me to call them back on XX/XX/XXXX to get an update regarding the matter after they had completed an investigation. 

Middle of XXXX : Receive Escrow statement from TMS Inc. stating our escrow account has a shortage. 

On XX/XX/XXXX, I called TMS Inc. to get an update on the matter, and was told that the XX/XX/XXXX disbursement for {$1000.00} was actually applied to an unrelated parcel that has a very similar address to my parcel. They informed me that they would contact XXXX county in an attempt to get the funds back. During this call, I was informed the process could take up to 6 months, and had no guarantees of successfully refunding the incorrectly applied funds back into our escrow account.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still accounts that need to be DELETD. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

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

Circumstances of my life changed and I can not currently pay any of the debt on my USAA credit card for a number of reasons : I have had the same XXXX for 18 years and we tenuously made things work, by agreeing as to who pays for what. 

When my landlord gave a 60 day rent increase notice, XX/XX/XXXX, XXXX had a XXXX and is temporarily staying with relatives in XXXX. Her relatives are helping and XXXX can still split the expenses with me until XX/XX/XXXX, and if I do n't find another professional job, before XX/XX/XXXX I will have to move to a cheaper cost of living area. 

On XXXX XXXX, XXXX, I also underwent XXXX, to save my life. XXXX. 

My circumstances are just information, part of which I gave to USAA and not to give a SOB story. 

USAA said that they would not renew my credit card, even after I am able to pay back my debt to them. 

I had previously let USAA know that I am judgment proof, except for Federal debts. I am currently living on a combined military and XXXX pension and have XXXX XXXX car. I had also previously promised that when I get another professional job, I will take care of my credit card obligation, with USAA. 

Today, XXXX XXXX, XXXX, I received another one of repeated calls from the USAA credit department on XXXX. In order to " get me verified '', the caller wanted to know everything about the XXXX cars I have insured with them, as well as my social security number, etc. These are things that the department of USAA which insures me already has on file. I hope that USAA is not planning to try to seize our cars, that a third contracting party claiming to be USAA, without my knowledge, wants the information that USAA already knows, for that purpose.. 

I asked USAA or the anonymous third party claiming to be USAA, once again, to cease calling and told them that if they want to sue me, then that is their option. The estimated amount of the debt is {$4000.00}. I can not stop them from tacking on late charges and other fees, so I hope that I wo n't end up legally owing them a much higher sum of money and that, it can be negotiated when I am able to repay this obligation. My member number with USAA is XXXX. You may choose to omit this information, if you choose to publish this complaint.
Product: Mortgage

We had our mortgage sold by XXXX to Seterus, They never sent us any information about our mortgage, no statements amount owed or due dates. We called repeatedly and they would not give us any information. Finally we had an attorney call and he got us an address to start making payments to. We have no information on any charges or fees, until yesterday when we got a bill for over 8 thousand dollars due in four weeks. We called and finally a person talked to us and they told us to file for a modification, and maybe we could avoid foreclosure.
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 TransUnion credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 : DEPT OF XXXX XXXX Date opened : XX/XX/XXXX Balance : {$7900.00}, DEPT OF EDUCATIONXXXX XXXX XXXX opened : XX/XX/XXXX Balance : {$5700.00}, DEPT OF EDUCATIONXXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$5600.00}, DEPT OF EDUCATIONXXXX XXXX Date opened XXXX XX/XX/XXXX Balance : {$3600.00}, DEPT OF EDUCATION/XXXX XXXX Date opened : XX/XX/XXXX Balance : {$2000.00}, DEPT OF EDUCATION/XXXX  XXXX Date opened : XX/XX/XXXX XXXX XXXX {$1400.00}, and DEPT OF EDUCATIONXXXX XXXX Date opened : XX/XX/XXXX Balance XXXX {$1100.00}. Please update.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting two separate conflicting accounts on my XXXX, XXXX, and TransUnion credit reports. One of the accounts is showing as in " good standing '' and " Paid or paying as agreed. '' The other account is reporting as " Paid account/was delinquent 90 days past due date. '' On XX/XX/2023, at XXXX XXXX XXXX  I called XXXX on the phone number listed on my credit reports for both XXXX  accounts, ( XXXX ) XXXX. The customer service representative confirmed that XXXX is unable to verify that a second negative account exist under my SSN and name, and that the only account they have in their system for me is paid as agreed and in good standing with no missed payments. The customer service representative then tried to transfer me to their " charge off '' department whom was also unable to verify the existence of a negative account in my name using my SSN. I reiterated to the customer service representative that I have two accounts reporting on my credit reports with severely conflicting information. The customer service representative advised me to dispute the second negative account reported to my credit reports. I have disputed the negative XXXX account in the past with XXXX, TransUnion, and XXXX, but XXXX has verified the information with the credit bureaus as accurate. How can XXXX possibly verify an account that they claim to have no record of? XXXX, XXXX, XXXX, and TransUnion are violating my FCRA rights by reporting inaccurate financial information on my credit report, not notifying me of a negative account in my name, and failing to provide information regarding the negative information on my credit reports when I requested this information directly from XXXX. I want this account removed from my XXXX, TransUnion, and XXXX credit reports immediately. I have attached a copy of my credit reports with both XXXX accounts listed.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  XXXX  of Debt XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit reporting

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to " verify '' the accounts I disputed. Being that they have gone past the 30-day mark and CAN NOT verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to ... '' promptly delete all information in which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you
Product: Mortgage

Loan Depot ( LD ) alleges that I was 30 days late payment on a payment due on XX/XX/2022, and this prevents them from allowing me to assume responsibility for my taxes and insurance. The facts are as stated below : XXXX. I called LD twice on XX/XX/XXXX and XX/XX/XXXX and was told by LD ' automated voicemail program and the customer service personnel I spoke to that my payment was received and credited to my account and that my next payment was due on XX/XX/XXXX. 
XXXX. I also visited LD 's website during this period, and it showed my payment received on XX/XX/2022 this was as late as XX/XX/2022. 
XXXX. I have a statement from LD prepared by LD on XX/XX/2022 and mailed to me confirming that my account was up to date, and my next payment was due on XX/XX/XXXX. 
XXXX. Your records will show that the first time LD alerted me to an issue with my payment made on XX/XX/XXXX was by way of a statement prepared on XX/XX/2022, which is Friday. I saw this statement on XX/XX/XXXX. 
XXXX. I did receive a call on Saturday XX/XX/XXXX, informing me that there was a problem with my payment on XX/XX/2022, I expressed shock that it took 32 days for LD disclosing that there was a problem with an ACH which LD posted to my account online as a payment, not a pending payment on XX/XX/2022. This was despite my making numerous calls to LD and being told my account was up to date that is it was received on XX/XX/2022, and my next payment was due on XX/XX/XXXX. 
XXXX. Notwithstanding, I initiated a payment over the phone on XX/XX/2022, for both XXXX and XXXX mortgage, that is on immediate notification of the discrepancy and the credit was made to my account on XX/XX/2022. 
XXXX. Currently, I have over {$11000.00} in my escrow account that is after LD paid my insurance of {$5200.00}, my estimated property tax is less than {$4000.00} which I told LD I will pay on XX/XX/2022. However, they refuse to apply my monthly payments to principal and interest only. 
XXXX. The reality is that if LD deliberately waited 32 days to inform that they did not receive a payment which they posted to my account on XX/XX/2022 not as a pending payment but as a payment. This is a ploy they are using to prevent me from paying off my mortgage by taking control of amounts they are holding in escrow. 
XXXX. This practice is a violation of the terms of the mortgage which expressly states that I should not be prevented from reducing the principal. 
XXXX. I can produce all the documentation to confirm all statements made above.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I signed a Modification Agreement/Personal Line of Credit with Wells Fargo. On XX/XX/XXXX, I went to pay off this loan and was surprised by an additional {$2300.00} fee. Reviewing our contract, it clearly states that " the Bank has agreed to waive unpaid interest accrued to the Date of this Agreement, and any late charges OR OTHER CHARGES ACCRUED TO THE DATE OF THIS AGREEMENT THAT I MAY OWE OTHER THAN THE PRINCIPAL " ( Section 3i ). Additionally, when writing the check to pay off the loan, I was asked to pay {$46.00} in excess with no explanation/nor understanding of why this amount was added.

Since this transaction, I have tried to get clarification of the additional {$2300.00} and {$46.00} charges. The responses have been conflicting, inconsistent, inaccurate and unsubstantiated. I have resorted to sending written, registered responses via the USPS as we have dealt directly with numerous people at Wells Fargo with differing interpretations. The conditions of the contract seem quite clear and yet, no one seems to fully understand the written terms. With all these conflicting responses, we are now getting notifications that the company has refunded our {$46.00} which, again, is incorrect. 

I am getting no where with this Bank and need additional assistance. Included in this request form, I have included a few principal documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identify theft and did not make the charge. I ask that the following items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. I am also a victim of the XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report again and the following accounts are fraudulent need to be deleted/removed XXXX XXXX and XXXX XX/XX/XXXX. Experian has not provided proof or validity of these fraudulent debts that were opened in my name as I have tried to rectify the situation before
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. 

XXXX XXXX  Bankruptcy Case Number # XXXX, has violated my rights. 

XXXX XXXX Bankruptcy Case Number : XXXX, has violated my rights. 

XXXXXXXX XXXX XXXX  Account Number : XXXX, has violated my rights. 

XXXX XXXX Bankruptcy Case Number : XXXX, has violated my rights. 

XXXX XXXX  Date of inquiry : XX/XX/XXXX, has violated my rights. 

. XXXX XXXX  Date of inquiry : XX/XX/XXXX, has violated my rights. 

XXXX XXXX Date of inquiry : XX/XX/XXXX, has violated my rights. 

XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX, has violated my rights. 

. XXXX XXXX Date of inquiry : XX/XX/XXXX, has violated my rights. 
XXXX XXXX Date of inquiry : XX/XX/XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.
Product: Credit card or prepaid card

I have filed a complaint with American Express regarding their XXXX miles promotional offer based on which I applied and received this credit card. It has been 6 months since I had the card and I still do not have the miles even though I met the criteria in the first month. I was told there was an " issue '' they are investigating and that I will receive a final answer by XX/XX/XXXX. Of course, this did not happen and every time I contact them they say wait more. Last time I spoke was with a supervisor named XXXX via chat on XX/XX/XXXX at XXXX XXXX central time ( chat ID : XXXX ) and he said the case was still open which strange because I was told before it was closed. He also said that there are other customers who have the same issue. This was the first time I heard that and they never want to say what the issue was. I asked for legal department contact information and he said they do not have one. This is clearly fraudulent advertising and what makes it more appalling is that they continue to send me emails with the same add.
Product: Credit reporting

I pulled my credit report XX/XX/XXXX and saw that there were late payments that were not mine. Since then I have written XXXX letters to all three bureaus who are reporting the incorrect information. Experion has not responded to any of my letters. XXXX and XXXX sent me XXXX letters promising the information was updated or new information could be found on my report. However, there was no update on my credit report from either bureau. XXXX last letter was in XX/XX/XXXX and they have n't responded since then. 
XXXX 's last letter was XX/XX/XXXX and they have n't responded since then. Also- whats really upsetting is that all three bureaus had deleted the incorrect information on XXXX of my accounts listed as : XXXX XXXX account # XXXX and now the late payments are showing up again! XXXX specifically deleted this information in XX/XX/XXXX and in XX/XX/XXXX it showed up on my account once again. This is really ruining my credit. I 'm always on time. Please tell the bureaus to delete the incorrect information once and for all! 
The other accounts that are showing incorrect late payments are as follows- XXXX XXXX XXXX account # XXXX, is only showing up in Experian. XXXX and XXXX already did research on this account and deleted the errors. Please ask experian to do so as well. 
XXXX XXXX account # XXXX, all XXXX bureaus are showing incorrect late payment status XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair this inaccurate account in my file. 

XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

I am attempting a transfer money from my Marcus Goldman Sachs account to  my XXXX account ( processed through XXXX ). This transfer drained my account as I was intending to close my MGS account. After initiating the transfer this morning I received a phone call from someone at MGS saying that they could only process a portion of my transfer because the final {$2000.00} had a " security hold '' on it. The CSR stated that because I had deposited that money in the account in XXXX ( 3 months ago! ) there is a " security hold ''.

I asked why there was a security hold and was told that this is simply their policy. I asked for how long the security hold was and the CSR told me that he could not give me a definitive answer, just that it would be between 3 and 6 months. 

I asked for solutions instead of problems he said that the only way for me to get my money was to transfer it back to the originating bank. Unfortunately that bank ( XXXX XXXX XXXX ) no longer exists. 

Please help me get my money transferred to XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX SANTANDER/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

By obtaining my XXXX consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ). 

I have not initiated any transaction with SANTANDERXXXX XXXX XXXX Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with SANTANDERXXXX XXXX for review or collection. 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 

Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Best regards, BY : XXXX, XXXX XXXX FOR : XXXX XXXX XXXXPrincipal WITHOUT RECOURSE cc : CFPB
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint regarding the inaccurate reporting of multiple late payments by NORDSTROM/TD BANK USA to the credit bureaus. According to their records, several payments are being reported as late, but in reality, these payments were made on time. This misinformation has been unfairly damaging my XXXX XXXX and causing unnecessary stress as I try to maintain accurate credit records. The presence of these false late payments on my credit report is not only misleading to potential lenders but also a direct reflection of negligence in maintaining accurate reporting standards. I have taken great care to meet my financial obligations on time, and it is deeply frustrating to see my efforts undermined by such errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a loan from Santander Consumer USA back in XXXX and the vehicle loan was paid off in XXXX! I had a late payment twice and it is still on credit report after 5 years that the vehicle was paid off. I was delinquency XX/XX/XXXX and XX/XX/XXXX that was 7 years ago! I think it should be dropped from my credit report bye now! XXXX report!