23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have made multiple calls and emailed NewRez regarding their double payment of my tax payment which has caused a significant shortage on my escrow account. Although it is clearly documented in their records that this was double paid on XX/XX/2021. 

XXXX has confirmed on my initial phone call that this was their error and a refund/credit needed to be obtained. I was initially informed this should be resolved PRIOR to my required XXXX payment, but it has not been resolved. 

On each inquiry I receive a brief letter indicating that " we are working to gather the requested information and will forward it to you as soon as possible ''. On my phone calls I am told that I must pay the full payment amount including the additional ( approximate XXXX {$300.00} escrow " shortage '' that shows because of their error. 

I understand errors are made, but I should not have to pay for them while the company take 12 weeks to correct them. I have asked that these amounts as well as any additional fees or interest being charged be credited to my account. I have received no official response on that request. 

I phoned again today and was informed that the new resolution date is anticipated to be XX/XX/2021, which is a good 6 weeks beyond the initial resolution date, for an error I did not make. 

I am hoping CFPB can assist me in resolving this issue and obtaining credit to my account as soon as possible so that I do not need to continue paying and additional several XXXX dollars per month to cover their error. 

Thank you, XXXX I have made multiple calls and emailed NewRez regarding their double payment of my tax payment which has caused a significant shortage on my escrow account. Although it is clearly documented in their records that this was double paid on XX/XX/2021. 

XXXX has confirmed on my initial phone call that this was their error and a refund/credit needed to be obtained. I was initially informed this should be resolved PRIOR to my required XXXX payment, but it has not been resolved. 

On each inquiry I receive a brief letter indicating that " we are working to gather the requested information and will forward it to you as soon as possible ''. On my phone calls I am told that I must pay the full payment amount including the additional ( approximate XXXX {$300.00} escrow " shortage '' that shows because of their error. 

I understand errors are made, but I should not have to pay for them while the company take 12 weeks to correct them. I have asked that these amounts as well as any additional fees or interest being charged be credited to my account. I have received no official response on that request. 

I phoned again today and was informed that the new resolution date is anticipated to be XX/XX/2021, which is a good 6 weeks beyond the initial resolution date, for an error I did not make. 

I am hoping CFPB can assist me in resolving this issue and obtaining credit to my account as soon as possible so that I do not need to continue paying and additional several XXXX dollars per month to cover their error. 

Thank you, XXXX
Product: Mortgage

REQUEST FOR ACCOUNTING! 
U.C.C. 9 210 and other applicable laws. 




Reference accounts # XXXX Dear Bank of America CFO This communication is with reference to the alleged contractual relationship, I have a right to an authenticated record of accounting. I am not requesting a statement of account, for an authenticated record of the accounting. I am hereby disputing the non-performance of fiduciary duty under Federal Reserve Act section 16, and to require that you provide the requested securitization audit information within the time allotted by law, which is 14 calendar-days.

I do wish to thank you for your time in providing this information, which is readily available to you as the custodian of records, and/or the collective entity. Please note that each day beyond the 14th calendar-day of receipt of this communication I will BE assessing a {$33.00} per day penalty for your failure to comply and/or {$1000.00} per month, whichever is greatest. I have the right to this information as indicated by the Uniform Commercial Code : U.C.C. 9-210. REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OF ACCOUNT.

9-210. REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

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

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

On XX/XX/2020, a person name XXXX XXXX from XXXX XXXX XXXX XXXX [ XXXX : XXXX ] called from number XXXX ( XXXX ) XXXX, and said, " We have accidentally placed a temporary authorization on your account and have requested {$620.00} from XXXX Transaction , which will be removed from your account within 3-5 business days, so I need not worry ''. 
a day passes by and on XX/XX/2020, the same person called and said the same things as on XX/XX/XXXX, and requested me to ignore the charge on my XXXX which was requested by XXXX XXXX ( XXXX ). The payment went through and no alerts were sent by Citibank. 
I called the Citibank the very next minute and informed them about the fraudulent transactions. And also changed the password to the online Citibank account. 

Citibank is claiming that these transactions were authorized and hence I should bare the charges. The receiver himself is agreeing on the fraud but Citibank won't do a chargeback. Contacted the merchant and received a guarantee letter from merchant that they will settle the chargeback but the bank won't help with a chargeback. Police Report has also been filed against the merchant but bank won't help at all.
Product: Checking or savings account

I was overdrawn on several times for less than 24 hours and was charged {$35.00} overdraft fees without any window to put money back into my bank account. They took advantage and took my money and said they couldnt do anything and I had to get my balance back to XXXX  Wells Fargo S cost me thousands of dollars of overdraft fees and fees in general over the years.
Product: Credit reporting

I have a child support arrearage dated XXXX at {$11.00}, XXXX. I currently have filed a lawsuit in XXXX Court that my rights were violated in relation to this due to improper service of summons as I was homeless when the judgment proceeding happened and a summary judgment could n't be made this will get started by XXXX XXXX, XXXX. Since XXXX I have been working and paying child support plus 20 % toward arrearage per state law. I was charged prime+10 % interest for this arrearage, which doubled the amount to around {$25.00}, XXXX over 2 years, when I was n't employed and homeless. Despite having the interest turned off after one or more years of on time monthly payments, it is still reporting as the wrong amount, and despite my on time monthly payments through the state, it still is now reflecting as 120+ days delinquent on my credit reports. I have submitted complaints to XXXX and Equifax to get the right amount from the state, but they have not. The state DHS Child Support office tells me the balance is below {$24.00}, XXXX, although the county currently still tells me it is above {$25.00}, XXXX. It is reporting wrong. With no interest compounded since XXXX, and the +20 % payments each month of approx. {$120.00} per month, it should be getting smaller, not larger. I estimate it should be less than {$23.00}, XXXX There are no Public Assistance Arrears associated with this either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried placing a security freeze on the credit files for each of my XXXX children. Experian only placed the freeze correctly for XXXX of my children, and sent me confirmation. The other 3 requests were disregarded as duplicate requests for myself, even though every request had individualized information, was sent in a separate envelope, and contained a written statement from myself detailing the nature of the request. I am unable to contact a live person at the company via phone as all of their numbers are automated, and no email address exists for consumer inquiry, nor is there the option for me to chat online with a representative.
Product: Debt collection

The collection agency, Roberts, Markel, Weinberg, Butler, Hailey ( RMWBH ) XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX ), used unfair practices to collect excessive charges.They did not provide proof of verification. 
RMWBH ignored the statue of limitations. 
They had Charges on their payoff statement dated back to XX/XX/2010. ( See XXV ) RMWBH misrepresented the amount owed. 
I have copies of our invoices of the amount owed. ( See XXW and XXX ).

RMWBH hired people to come to our door Threatening to seize our property. ( See XXO ) Our bank verified that there was no foreclosure on our home.

I called RMWBH many times to dispute this matter. RMWBH staff members would tell me that they do not have the information. They would have someone call me back.

RMWBH continued to delay resolution. And continued to add up their fees.

RMWBH did not verify this debt. I requested a copy of the collection agreement from the XXXX XXXX XXXX  Board and they do not have a contract with RMWBH to collect their debt.

We were deceived and mislead into paying an exorbitant amount of {$8700.00}. 
I have requested a full refund.
Product: Credit reporting or other personal consumer reports

Subject : Incorrect Dispute Comment on Credit Reports Causing XXXX XXXX Harm Dear CFPB, I am filing a complaint regarding my mortgage servicer, PennyMac Loan Services , LLC ( XXXX ), for incorrectly placing a dispute comment on my credit reports, which has resulted in a XXXX drop in my XXXX XXXX. XXXX stated that I filed a dispute under the Fair Credit Reporting Act ( FCRA ), and that the dispute has been resolved. However, I never filed a dispute regarding the information on my credit reports. 

What I did file was a complaint with the CFPB about XXXX online payment system, which does not credit payments on the same day they are made. This has caused certain payments to appear XXXX or more days late, which is not the same as disputing an item under the FCRA. 

XXXX decision to treat my CFPB complaint as an FCRA dispute is a significant error and distinction. Under 15 U.S.C. 1681s-2 ( b ), creditors must ensure the accuracy of information furnished to credit reporting agencies. Filing a CFPB complaint about their faulty payment system does not constitute a dispute regarding credit report inaccuracies. By falsely categorizing my complaint as a dispute and placing that comment on my credit report, XXXX has harmed my XXXX XXXX unnecessarily and inappropriately. 

This misclassification of my complaint has caused me financial harm through the unjustified drop in my XXXX XXXX. Furthermore, XXXX actions violate their responsibility under the Fair Credit Reporting Act ( FCRA ) to furnish accurate information to the credit reporting agencies. 

I request that XXXX immediately : XXXX. Remove all comments related to the alleged dispute from my credit reports with all credit reporting agencies. 
XXXX. Take corrective measures to ensure their processes accurately distinguish between complaints filed with the CFPB and disputes filed under the FCRA. 

Their failure to remove these incorrect comments continues to cause harm to my creditworthiness and was done without any basis under the FCRA. I ask the CFPB to investigate this matter thoroughly and ensure that XXXX complies with their legal obligations. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, Equifax, and XXXX in XXXX, and XXXX 2017 to remove in accurate information.
Under the new law effecti e XXXX 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include the information and should be deleted from my credit report
Product: Credit reporting

I had a XXXX XXXX Credit Card that the account was closed in XX/XX/XXXX. I received information from XXXX XXXX on XXXX XXXX, XXXX that included statements that were mailed to my previous residence. I never received the notices.
Product: Debt collection

Asset Care LLC used took a contract to collect debt from me without my permission. I have never had an account with them. I am asking that they remove that unauthorized account from off of my credit immediately in the amount of {$25000.00}, account number XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

FCO Fair Collection Agency Has contacted me several time trying to collect a deb on a property back inXX/XX/XXXX that by the original creditor I am no longer financially obligated, A letter was provided to the collection agency after requesting validation of debt, I contacted this creditor several time including XXXX to request for them to stop calling my office and my family and friends, After speaking with one of the financial complaint officers After scream at me and using offensive language, he advised that he's only job was to make sure this debt was collected and he did not have any time to resolve or canceled or clarify this error. requested original signatures validation of debts and this documentation was never provided to me. 

On XXXX XXXX XXXX was contacted at XXXX by this collection agency demanding and requesting my personal and new home address and telephone number, when the collector was asked about my debts the information was provided without my authorization. I contacted FCO and they continue to treat me over the phone like they did not have record of me contacting them.. 

I submitted proof and all necessary documentation releasing me from this collection account credit B removed this collection twice from my report after investigation was initiated, and they continue with harrasing me over the phone. 

I have communicated to this collection agency that I have file a complaint and they respond was, ( EVERYONE CAN FILE A COMPLAINT WE DON'T CARE BECAUSE THIS AGENCIES NEVER RESPOND )
Product: Credit card or prepaid card

i am a XXXX of XXXX.Ms XXXX present to my office for treatment on XX/XX/20 for XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX i offered her a XXXX XXXX XXXX for XXXX which she agreed to and signed all the relevant paperwork.ms XXXX treated from XX/XX/20 to XX/XX/20 of which Care Credit funded the treatment to the amount of XXXX ms XXXX then told care Credit she didn't agree to the treatment, after receiving 14 visits with all the daily SOAP signed by her, then Care Credit issued a charge back on my Account and the money ( XXXX ) was withdrawn from my Account I would like care credit to reimburse me in the amount XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX I purchased a new BMW XXXX. I took a loan of {$10000.00} from the BMW Financial Services ( BFS ). With the purchase of my car, I also bought the extended warranty for {$5800.00}. Within a couple of days from the purchase date, I cancelled the Extended warranty. The extended warranty refund was not returned to me, instead I was told by the Finance manager at XXXXXXXX XXXX  ( dealership ) that the money will be applied towards the loan that I have with XXXX. I paid {$180.00} ( principal + interest ) on the loan ( {$10000.00} ) for 4 months ( XX/XX/XXXX- XX/XX/XXXX ). When I decided to payoff the loan on XX/XX/XXXX, the payoff amount given to me by XXXX agent was {$9500.00}. The agent was not aware of {$5800.00} applied towards the principal coming from XXXX XXXX I mailed the payoff check ( {$9500.00} ) which cleared by XX/XX/XXXX. In the meantime, I started to inquire about the {$5800.00} form the dealer. After a lot of back and forth, I received an email at XXXX ( my account ) for a refund of {$5600.00}. The letter was dated XX/XX/XXXX and stated that I will receive this check by XX/XX/XXXX. I lodged a complaint with XXXX XXXX XXXX XXXX XXXX ) on XXXXXXXX XXXX for the partial refund. The dealership sent me a check for {$220.00} because they had sent rest of the amount to the XXXX towards the loan. Since I had paid off my loan, I was told that I would get the rest {$5600.00} from XXXX. I called XXXX twice so far and each agent gives me a different story. On XX/XX/XXXX, one agent told me that the check will be cut on the XXXX and I should receive my payment the following week. Today I spoke to XXXX and he could not tell when the check was mailed to me or anything specific. He offered to cancel the current check and process a new check which would take another 15 days to reach me.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my rights 15 U.S.C 1681 section 602 A. States that 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 an account without my written instructions
Product: Checking or savings account

Wise closed my account without notice ( no email or any communication ). 

I tried to login, account deactivated after years of use without any issues. 

They gave me no reason. 

I read their ToS and it could be only 2 things.

- can't have 2 personal accounts unless permitted < i literally spoke to a rep on live chat a year ago confirming it's OK for me to have 2 personal accounts since they're tied to 2 separate businesses. You can look up chat history to see this. 
- they receive a large XXXX transfer for me since SVB got taken over the FDIC, I moved my money to Wise just for a day to then transfer it to my newly opened XXXX corporate account that morning but by the time I'd access my own money, my account was deactivated without notice!!!! 

Now Wise has declined my appeal for incorrectly deactivating my account And I can't access my funds, getting half-complete answers, and saying it could take 30 days?! to have my appeal processed / funds sorted which is ridiculous
Product: Credit card or prepaid card

XX/XX/XXXX expecting a deposit from netspend/XXXX and did not receive called them only to be told they are having a problem with ACH and are holding payments, XX/XX/XXXX still havent received my hard earned money ( some customers were complaining they havent received theres in over 5 days ) I couldnt imagine, they have no further details they cant even give me a Estimated time I am a single mom with kids I have bills to pay and they are holding my payments! There is a whole forum of a group of people also complaining and they get no response or reason for this hold and how long they will be holding our direct deposits this is completely unacceptable, people are talking about suing, I need reasons for this issue and when netspend/XXXX customers will be getting their money
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX : I did not authorize anyone employed by these companies to make any inquiry and view my credit report. 
This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Inquiry Name : XXXX XXXX XXXX  XXXX Inquired on XXXX XXXX, XXXX Inquiry Name : XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX XXXX  Inquired on XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX  Inquired on XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX XXXX Inquired on XX/XX/XXXX Inquiry Name XXXX XXXX XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX  Inquired on XX/XX/XXXX Inquiry Name XXXX XXXX XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX 2022
Product: Credit reporting or other personal consumer reports

Nothing wasnt done in a timely manner didnt do a investigation and didnt follow through with the steps of the investigation