23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

In XXXX I opened a new business account with Chase Bank. They were supposed to mail me a debit card and a PIN, but I never received it. I deposited 3 checks for {$7100.00} each. The first one on XX/XX/XXXX, the second one on XX/XX/XXXX, and the third on XX/XX/XXXX. On XX/XX/XXXX, while depositing the 4th check, I checked my balance and realized that something was wrong, because there was only around {$20.00} left in my account. I immediately reported it to the bank and they froze the account. All in all the thief spent over $ XXXX over 6 days. I never received any suspicious activity alerts and the bank did nothing to stop the rapid fraudulent spending. There were many consecutive charges for very large amounts at unusual places ( such as charges for {$500.00}, {$600.00}, {$800.00} at the same quick trip on the same day. After a few days of " investigation '' the Bank sent a letter to me stating that they believed the charges were authorized and the money would not be refunded.The only explanation they gave me was that I never filed a police report and that my mail-box was locked so no one could have had access to it other than me. I called them and faxed them letters and documents ( including a photograph showing that my apartment mail room had many mailboxes that were unlocked and left open ), and I also pointed out to them that there were XXXX deposits made to my account on XX/XX/XXXX. They immediately reversed the deposits that I informed them were not mine, and they reinstated the investigation. They returned around {$6000.00} to my account on a temporary basis while they continue to investigate. Yesterday they again denied a small portion of my claim, while they continue to delay a final decision. I told them that I never received the debit card or PIN so none of the charges could have been me. In other words, the claim must be entirely fraudulent or entirely not fraudulent. This is a business account and XXXX has caused significant economic hardship for me and the employees in my company, so I can not afford their delay tactics. Because they have broken my claim into multiple smaller claims they are preventing me from the clear decision I would need to take legal action if necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a car in XX/XX/XXXX and was financed by Capitol Bank. Capital Bank sold the loan to XXXX XXXX XXXX in XX/XX/XXXX. They deferred my payments for 2 months and stopped reporting to the credit bureau. Capitol Bank never reported selling the loan to XXXX XXXX XXXX to the 3 reporting agencies. My car loan just disappeared from all 3 reporting agencies. I found out in XXXX of XXXX when I purchased a vehicle for my daughter and got hit with a high interest rate because my vehicle was not showing on my report. So the company says that the are manually putting in not only my payments bother other customer accounts that they purchased and will be doing bulk reporting. So they have not been reporting for over a year and since I brought it to their attention in XX/XX/XXXX they still have not fixed the problem. They said they do not know when it will be finished and as soon as it's done they will report all payments. In the meantime they sent me a transaction sheet in XX/XX/XXXX. I requested another on in XX/XX/XXXX and never got it.
Product: Debt collection

Looked at XXXX credit report and seen that I had a collection from Transworld System Inc in the amount of {$1500.00}. I immediately wrote XXXX XXXX on XX/XX/2019. In the letter I asked for the debt to be validated by showing the original signed contract within 30 days. To this day no response for above mentioned company. This collection should be on my credit report and should be deleted. I do however will be reaching out to Attorney General 's office and seeking litigation since Transworld System Inc hasn't responded in the 30 days given.
Product: Credit reporting 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX ============================ UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX ===================================================== 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: Mortgage

Hello, I have a mortgage with Bank of America. My loan number is XXXX. I received a property tax bill from XXXX county. My property tax has been decreased significantly. I requested to lower the monthly mortgage payment accordingly. Bank of America instructed me to fax the county tax bill which I already did, but I never heard from Bank of Amerca.
Product: Credit reporting or other personal consumer reports

I sent certified letters to all credit bureaus in XXXX stating I have been a victim of identity theft and highlighted all fraudulent accounts with a copy of the police report included. I received a letter back on the XXXX of XXXX from TransUnion stating " Trans Union at this time declines to block the information you have identified ''. On XX/XX/XXXX XXXX stated in a letter " Please be advised that XXXX, at this time, is not blocking information you named in your request ''. I never received a letter back from XXXX. Additionally, I never received a copy of my credit report from any of them. 

I was able to get one account removed from my trans union report but then it was sold to a collection 's agency ( in the amount of {$900.00} dollars with another being in the amount of {$440.00} ) that is now reporting it to all bureaus. 

There is also an account with the balance of {$2500.00} that I have been trying to get removed with no luck. I'm receiving multiple emails and calls from them weekly for payments. I started making payments just so it wouldn't keep hurting my credit for missed payments until it gets removed. 

I don't know what else to do other than keep trying to pay off these debts that aren't mine that the credit bureaus won't remove so my credit doesn't keep getting worse. I am currently unable to use my credit and had to give up buying a house because of it even though I had an approval letter for a home before the identify theft occurred. 

Here are the fraudulent debts : XXXX XXXX XXXXXX/XX/XXXX XXXX & XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX Fraudulent Inquiries Made : XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXXXXXX NA XX/XX/XXXX I have contacted a lawyer to take more action against all the companies involved. All three credit bureaus, the collections agencies for harassment and the loan agency for harassment as well.
Product: Mortgage

I have been requesting information specific to my PMI canceling for a significant amount of time. The last request I placed was via email on XXXX/XXXX/2016 asking for a review of my account to determine if my PMI can drop off without ordering an appraisal. I have yet to receive a response other than the PMI dept is still reviewing my account. I received this 'status update ' via a letter on XXXX/XXXX/2016 as well as verbally when I called on XXXX/XXXX/2016 and XXXX/XXXX/2016. When I called on XXXX/XXXX/2016, I spoke with XXXX who advised my PMI had not dropped off yet even though my LTV was around 75 % because I had been paying bi-weekly and my principle had decreased faster than the amortization schedule had detailed. XXXX placed another request in with the PMI dept for their review and promised to call me with their status. I called on XXXX/XXXX/2016 and spoke with XXXX, she advised the termination of my PMI does not consider my account balance but instead goes by my predetermined auto termination date as determined by my amortization schedule created at closing. When I asked her what that date was, she told me that was still under review from my XXXX/XXXX/2016 request. 
I can not seem to get a response on this, and I am paying unnecessary PMI rates on an LTV that is lower that was is required by investors and my closing paperwork. My intention is to refinance with a HARP loan once my PMI has dropped as I am currently paying 6.5 % in interest. This delay is costing me money. 

Additionally, when I called on XXXX/XXXX/2016 I found out my account showed I was late in my payment. DiTech takes bi-weekly payments directly from my checking account, but apparently due to a system upgrade my payment was applied to principle. I received no notification of this late status, and there was no review of payments to determine if the system had incorrectly allocated funds. When speaking with XXXX, she knew the issue right away, which tells me this was a known issue that DiTech took no proactive stance in correcting. XXXX also advised I monitor my account for the next couple of payments to ensure DiTech did n't make the same mistake again.
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. 

Account name : XXXX ACCOUNT XXXX XXXX, Account name : XXXX XXXX, ACCOUNT XXXX XXXX, Account name : XXXX  ACCOUNT # 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: Mortgage

On XX/XX/2021, I paid off my mortgage. I have approximately {$5.00}, XXXX in an impound account with CrossCountry Mortgage ( XXXX sub servicer ), plus applicable interest. I contacted the company for my refund and was told it was mailed on the XX/XX/2021. I have not received it and the statutory time frame has passed for receipt of escrowed funds to be returned to the borrower after closing of the loan. The company has been rude and uncooperative while i attempt to ascertain when i will get my deposit back and what their policy is on potentially lost mail. I have made three suggestions including overnight mail, ach deposit or wire transfer and they are refusing.
Product: Mortgage

Ocwen Loan ServicingWe were behind two months on our mortgage ( XX/XX/XXXX and XXXX XX/XX/XXXX ). We sent an overnight check received on XXXX XXXX XXXX that was signed for.The check was never cashed. Upon calling we were told that they had changed their overnight address and to give it a few days so it could be routed to the correct area. We called back a week later and was told the numbers written in the box of the check did not match the words written in the body of the check. I wrote the numbers and words correctly and assured them of that. I asked they send that check back with an explanation. They said they would but we needed to send another check to their new overnight box which we did and they cashed that one. During that conversation they said that our escrow account was short {$5100.00} and our new payment had gone up {$220.00} a month going back to XX/XX/XXXX. We sent a certified letter ( XXXX XXXX XXXX ) them asking for our check back from XX/XX/XXXX that they did not cash and to provide us with an explanation of our escrow. We also called and spoke to a customer service representative who said she would accommodate this request. It 's seems {$5100.00} is extreme since our property taxed have only gone up {$400.00} for the new year and our homeowners premium has stayed the same from last year. We send another overnight check which was signed for on XXXX XXXX XXXX. We waited for it to clear the bank and on XXXX XXXX XXXX we called and they said they were no longer taking payments from us unless we send them {$11000.00}. 
On Monday XXXX XXXX XXXX I received my escrow projected statement ( which by the way is dated XXXX XXXX ) along with any accounting of my account since XXXX with fees for example service process XXXX/XXXX/XXXX {$420.00}, title report fee {$75.00} XXXX/XXXX/XXXX process service fees again on XXXX/XXXX/XXXX {$340.00}. The list goes on and on all while they denied my modification and then XXXX months later after denial I get an email that " great news your modification has been approved '' I thought it was a scam and contacted my local HUD counselor who verified for me that in fact it was changed from denied to approved. Hence we started making our payments. Ocwen has XXXX checks right now that they have refused to cash and in the interim cashed XXXX. This does not seem right. I have since been sent another modification package. I do n't dispute any late fees since our payments were received after the XX/XX/XXXX due date but I am disputing all other fees and the escrow amount. another modification package also.
Product: Mortgage

Hello, I recently had a loan payed off with Caliber Home Loans. They charged for accrued interest on my payoff thru XX/XX/XXXX. I have proof from my new lender that the payoff wire was sent to Caliber before their XX/XX/XXXX cut off time of XXXX XXXX CST. They owe me {$29.00} one days interest. I spoke to their customer service area on XX/XX/XXXX, XX/XX/XXXX and they insist they received on XX/XX/XXXX. I think there business practices are deceiving and unlawful. Attempting to collect addl unnecessary interest days is incomprehensible.
Product: Debt collection

The company IQ Data International Inc is reporting inaccurate information on my credit report which in turn is affecting my credit negatively. Ive never done business nor have I signed any contract with them. On XX/XX/year>, I filed a dispute with the BBB requesting that IQ Data International remove the item from my credit report using code 15 U.S.C 1681 and 15 U.S.C 1692 Sec.809 ( b ) They replied on XX/XX/year> stating that the account is valid. I then replied on XX/XX/year> asking them to verify that the account was mine by sending me the requested information from 15 U.S.C. 1692g. IQ Data responded back on XX/XX/year> with a letter however they didnt send me the information requested. The only information they provided was my name and the balance they claim I owe them. Ive disputed this account with the credit bureaus and it came back as verified as well. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), any information furnished to consumer reporting agencies has to be accurate and can be substantiated. IQ Data also lied and said they have my signature which I never provided to them nor did I receive any documentation with it. I also requested the credit bureau to provide me with the process they used to verify the account which I still have yet to receive.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax/Equifax credit keeps sending me addressed to someone else.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list or accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account number XXXXXXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681 section 1602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : it also States a consumer reporting can not furnish a account without my writing 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 crime which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my identity stolen, this account was opened fraudulently. I have never lived at address on file. I have lived at the same address almost 40 years. I have supplied the company a FTC report and police report and they have not taken account off credit report like they said they would
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have filed a compliant with XXXX, Equifax and XXXX  as I did apply for anything reflecting to this inquiries, and did not authorize or grant permissible for them to utilize my credit report. 

Please remove the following inquiries as they do a line with any account that I have : XXXX XXXX XXXX  All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXXXXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Leasing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Auto Leasing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX USED CA Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX was paid last year in XX/XX/XXXX. They are improperly reporting on XXXX credit report charge off balance XXXX. The balance is {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX Equivax mistakenly removed my XXXX XXXX XXXX credit card from my report because they lumped it in with an actual dispute I NEVER intended XXXX XXXX to be removed now it was put back on and eqiufax will not respond to XXXX XXXX ... that the dispute was a mistake and withdrawn ... so XXXX XXXX can not reopen the account the letter was sent from XXXX XXXX to them on XXXX PLEASE help when I call equifax they say I fail the inf to verify its me that is CRAZY
Product: Debt collection

I have been served. Sued without properly notifying me. I was making on time payments. When I made partial payments, XXXX sent those payment back to me. Per the last statement dated XX/XX/2019 that was attached to the Citation, it states " your account has been charged off. This is your final statement ''.
Product: Credit card or prepaid card

XX/XX/2019-I did a Payment on my credit card account of {$180000.00} XX/XX/2019-Bank of America took {$180000.00} from my credit card account in concept of Refund. 

After few days I called the bank asking about my money and why they did that without any previous information.. The Bank said they sent me a Check of this amount at my home. 

XX/XX/2019 : I received the check, but It was damaged ( USPS broke the check and they gave me a regret for the situation ) I contacted the Bank and explained them the issue. The attendant told me that they can cancel the check and reimburse me the money at my checking account ... It never happened I called many times for the next weeks, explained over and over again to who was behind the phone.. All of them promise me the same.. 

XX/XX/2019.. A XXXX answer my call and he promise to gave me back my money.. Nothing happened XX/XX/2019.. A XXXX answer my call and he promise to gave me back my money.. Nothing happened It's been almost two months since Bank Of America took my money and they didn't give any solution.
Product: Checking or savings account

On Friday XX/XX/2020 I deposited XXXX dollars into the US Bank branch at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NV XXXX. I left the branch with my receipt showing the deposit and my current balance at the time. On Monday XX/XX/2020 I went to the same branch I had gone to on Friday to make a rent payment. I was told then that the rent payment of XXXX I was trying to make would overdraw my account. Knowing this wasn't right I checked my account and the branch had failed to credit my account with the deposit. They had no record of the transaction whatsoever. I produced the receipt showing that they had indeed taken the deposit. They admitted their mistake but didn't credit my account and still haven't. They are claiming it will take 5 business days for this to be cleared up. My account is still overdrawn and it catching penalties daily.
Product: Mortgage

About 30 days ago, my wife put in for a refinance. I put up earnest money for another property because she is refinancing the statute home in her name. The property I am purchasing in my name can not be purchased until the title is clear out of my name. I was told 60 days was standard by Navy Federal, however that seems excessive. Also they cant even give me a hard date so that way I can set a closing days on my new property and Ive called four times and message three times. Please help.

Thank you
Product: Debt collection

Ally produced a forged contract and continue to submit this fake. They are lying and violating many fdcpa laws as well as tila.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, & Transunion credit agencies had refused to remove accounts on my credit report related to fraud and I have sent them proof on several occasions & they still refuse to help me. It has been a couple of months and they still not removing this information from my credit report.