23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Escrow Review Statement received in XXXX 2017 showing shortage of {$2100.00}. 2 options : pay shortage by X/X/17 to have payments of {$2000.00} or have mortgage payments increase to {$2200.00} beginning X/X/17. ( See attached notification ).
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Payments to cover escrow shortage : X/XX/17 : {$1000.00} ( Total escrow payment {$2000.00} -- {$1000.00} was regular monthly escrow payment ) X/XX/17 : {$1000.00} XX/XX/XXXX : {$110.00} Full mortgage payment of {$2200.00} made X/X/17. In preparation to make XXXX 2017 payment, payment amount had not been adjustment and escrow surplus from XXXX 2017 had not been refunded. <P/> Call to Customer Service week of X/XX/17. Escrow analysis rerun- online payment system would be updated for XX/XX/XXXX payment and overpayment of {$170.00} to be refunded.
<P/> X/XX/17 : Update to payment had not occurred. Called Customer Service and was told adjustment to payment amount would be made, however, update would take place over night in time for X/X/17 payment. Customer service agent XXXX told me that I could not receive a refund by check of my escrow overpayment although I discussed with him that law indicates amounts of > {$50.00} should be refunded. Although it was not my preference, we agreed that he would apply the escrow overpayment to my principle.
This morning, I went online to make my XX/XX/XXXX payment. I found my XX/XX/XXXX payment has been reversed and my account is now showing as delinquent for XX/XX/XXXX payment. ( See account activity statement showing reversal of XX/XX/XXXX payment, account delinquency and all payments to address escrow shortage.
Product: Mortgage

XX/XX/XXXX foreclosure auction saleXX/XX/XXXX XXXX XXXX servicer {$370000.00} owed sinceXX/XX/XXXX due to NO Bank/Mortgage servicer being legitimate! So mo payments made almost 12 years XXXX XXXX dismissed foreclosure XX/XX/XXXXdue to no valud deed mo promissory note!

XXXX XXXX is trying to foreclosure sale auction XX/XX/XXXX so we filed in Superior Court to stop til XX/XX/XXXX granted Lawyer for faye offered loan modification in court to stop sale!

We have had free legal help n now trying to work with XXXX XXXX to help on our behalf for loan modification Faye does not have legsl paperwork!!!
Product: Debt collection

The company has a " copy '' not the original lease documents. The lease does not show my signature on there and no evidence of an drivers licenses this is surely hearsay and is inaccurate. I never lived at this place and I was a victim of identity theft. This needs to be removed off my credit immediately. This is against the law. This is not the original lease nor does it prove anything. My social was not only compromised but it is not even shown on the lease. If this is not taken care of this will go into litigation. Have not supplied proof under the doctrine of estoppel by silence Engelhardt v. Gravens ( Mo ) 281 SW 715 7191 may presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Product: Debt collection

Reviewing my latest credit report, I came across accounts that were added without my knowledge or consent. Please block and remove these fraudulent accounts.
Product: Credit card or prepaid card

In an effort to increase my FICA score, I paid on my Synchrony account ( s ) to bring the balances under or around the 30 % mark. The XXXX card in particular ( XXXX XXXX ) I had a {$3200.00} limit. I have not been late on my payment ( s ) due it's taken out automatically from my checking account on the due date. In the month of XX/XX/XXXX, I made a payment on the XXXX in the amount of {$960.00}. I then made another payment of {$600.00} on XX/XX/XXXX. These XXXX additional payments were made an addition to the monthly payment which had been taken out on XX/XX/XXXX. These payments brought my balance down to {$1400.00}. The second additional payment was made in order to have the account showing at or near 30 % usage. I checked my credit score on XXXX and without receiving notice from the card issuer, they lowered my credit limit from {$3200.00} ( XX/XX/XXXX ) to {$1400.00}. This caused my usage for this card to be at 97 % and dropped my credit score by XXXX points. I reached out to Synchrony and spoke with a representative who transferred me to a supervisor. I explained to her my concern and what I deemed as the company being unfair. I asked her why this had happened, and she couldn't give me a solid explanation. She went back and forth about they had the right to decrease or increase my credit line. When I asked what determined the change, she replied that they look at your credit score and other accounts on your credit report. When I challenged that, saying my credit score was in the XXXX range and all my accounts were and have been in excellent standing, so I don't understand what you are saying. She then went off topic to talk about the expiration of a promotion I had utilized. I became frustrated and figured out that the company was not going to assist me. I feel that it is unfair for them to receive {$1500.00} worth of payments and lower my credit line so my usage can be almost at 100 % and negatively effecting my credit score and report. My husband is an additional card holder, and this has also affected his credit score and report.
Product: Debt collection

I am retaining legal counsel for repeated violations and repeated breaches of agreement by XXXX. According to my records over the span of XXXX months XXXX violated with the credit reporting agencies reinserting late payments and reinserting fraudulent balances from an another account involved in an account take over numerous times causing injurious damage to my credit profile with several credit reporting agencies. The violations are totaling {$1000.00} per incident totaling over {$10000.00} in damages. I am seeking a law firm who is reviewing and waiting for all documents I can obtain from XXXX. After speaking with legal counsel I was informed that XXXX interpretation of FCRA and USC 15 laws isnt how it works in court. There are strict guidelines DATA FURNISHERS are required to follow. Theses debts and claims are going to be involved in litigation.
Product: Prepaid card

I received an AMEX virtual gift card on XX/XX/XXXX. I first attempted to check the card balance via their website, and have been unable to do so since receiving the card, I've tried everyday for the past 4 days. Attempts to make online purchases following their directions, ( only attempt to purchase from places that require the security code, make sure the cost of the purchase is less than the amount on the card, fill in my own name/address when asked ), has always resulted in the card being declined. I called customer service for assistance, told them their website was down, and that my attempts to make purchases at XXXX, XXXX XXXX, XXXX, and XXXX were all declined. I was told that everything was fine on their end. I asked what is the resolution for when their gift cards aren't working, I was told to continue to try using it at different retailers and at different times, and that if the problem happened again to call back. I then asked for whatever resolution would be offered at that time to be offered to me while I was on the phone, and then realized they had not resolution. Their fix was to keep getting the card declined. In fact, the call ended when I was told, 'the card is good ma'am. '' After that call, I was able to get a {$40.00} food delivery to go through. I figured I would just use the card for food deliveries, but in trying to make another purchase the following the day, the card was declined on multiple platforms, ( XXXX, XXXX and XXXX ). I tried to add the card to my XXXX and XXXX XXXX accounts, declined. I tried to purchase a XXXX XXXX XXXX so I'd actually be able to use the money, also declined. I tried to make a purchase in-store by typing in the card number, declined. At this point there is {$460.00} gifted to me that I am unable to access and I am thoroughly frustrated by their lack of customer support or even concern. Especially since a quick XXXX search shows that many others have found themselves with a useless AMEX gift card. They need to do better.
Product: Checking or savings account

XXXXXXXX XXXX XXXX  closed n transferred my money to Arvest bank. I had a free checking account but with the transfer they opt to put me in an account that charges. I was never was informed that they would charge me. I had free checking so I assumed I would be the same. I never signed up to pay when it was free. They took it upon themselves to take my money. If I signed up for paying is one thing but them to do it should be against the law.
Product: Prepaid card

The company promised free reloads upon initiating my account, but has suddenly started to charge {$3.00} for each reload at any participating location. I received no notice of change in fee schedule and did not agree to nor was aware of unauthorized changes to fees alleged by the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

15. USC 1681 section 602 A state ... .I have right to privacy ... .They violated this 15. USC 1681 section 604 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions.

15, USC 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector this includes phone calls and letters in the mail ... ... I have changed my number twice.
Product: Mortgage

We applied for a VA loan with Navy Federal Credit Union. We went under contract and had XXXX days to remove a funding contingency. The credit union told us, our realtor and the seller 's realtor that we were approved for the loan. Then one week before closing the credit union changed their decision and pulled back the funding approval. The reason given was we do n't have employment in the state where the property is located. XXXX XXXX is the day we are bound by contract to close on the loan. It is the seller 's intentions to take a our {$4000.00} earnest money down payment. My husband and I have both served this country for XXXX XXXX years of service and never thought we would be treated this way by a financial institution professing to support military members. For a week now we have been trying to get the credit union to help us get our earnest money back and they wo n't even answer our phone messages.
Product: Payday loan, title loan, personal loan, or advance loan

Previous Complaint Ref # : XXXX On XX/XX/2024, I received an email notice re an application for a line of credit which I did NOT request. This same company previously accepted applications ( see above ref number ) under my old address and last name ( note : last name has been legally changed ). This company was instructed to stop accepting applications for name XXXX XXXX. Yet they continue to do so. They previously told me that I need to prove fraud for them to even investigate. There is already a credit freeze on my account. The email address at which they are contacting me is not inactive. I have attached a fraud letter concerning another incident of identity theft from the IRS.
Product: Credit reporting or other personal consumer reports

I have an open auto loan account showing on my credit report through XXXX XXXX XXXX with a balance of XXXX XXXXThis account is closed and should show {$0.00} balance
Product: Debt collection

I have been a resident of the state of Maryland since at least XX/XX/XXXX. A debt collector, Harris and Harris,  has recently contacted my parents in Illinois regarding a debt I allegedly owe to them. When I reached out to Harris and Harris today they advised me they were collecting debt originally owed to the state of Maryland for traffic toll in XX/XX/XXXX and XX/XX/XXXX. At the time of writing this description I have been on hold with MDs central reporting bureau for more than an hour, and will soon have to give up in order to join a work meeting. At no point prior to the contact from Harris and Harris did MD notify me that I had an outstanding toll balance. 

MDOT appears to have attempted to contact me using the address which had originally been recorded for my vehicle. I dispute the validity of this attempt on for multiple reasons. First and foremost, the State collections office ought to have had a better address for me as I had provided a mailing address to MDOT in XX/XX/XXXX, and again in summer of XX/XX/XXXX. When I didn't immediately reply they could've used either of these addresses. I had contemporaneously had a similar problem with the state of Illinois. ( these were both caused by the belief that the lack of rear axle on my motorcycle meant that it did not constitute a two axled vehicle. ) Illinois was able to contact me at my corrected address without issue sometime prior to XX/XX/XXXX. At that time I resolved the issue with Illinois state and have the receipt to prove it. Maryland ought to have been privy to far more of my contact information and thusly ought to have been able to issue a notice which I wouldve been able to receive. 

An additional ground for contesting this debt is that I went to MDOTs central office several times in XX/XX/XXXX and XX/XX/XXXX. According to Harris and Harris that wouldve been after the last date of un-paid toll. During these appointments I repeatedly provided my ID, as well as the registration of the vehicle for which the toll was owed. At no point did any agent of the state inform me I had an outstanding toll balance. Since then I have established an account with the states online tolling system, which also failed to notify me of any outstanding balance. 

At this time my objection is chiefly with the state of Maryland, but Im also dubious of the work put into notifying me by Harris and Harris, as they also were attempting to use my vehicles original address in Wisconsin, as well as my parents contact information, both of which wouldve been long out of date for reaching me by the time they took over the debt. Neither organization has done their due diligence and I think that I am being pursued inappropriately. 

I would appreciate any advice you might be able to provide on how to proceed, and I thank you for your consideration. Please reach out by email or by phone if theres anything I can do to assist. 
Thank you kindly, XXXX
Product: Debt collection

I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you, XXXX XXXX, is attempting to collect a debt from I, the consumer makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. 

XXXX XXXX is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you XXXX XXXX, is furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A.

This is a notice to CEASE and DESIST of illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX XXXX for the accounts opened XX/XX/year>. 

Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you, XXXX XXXX, into the ( FTC ) Federal Trade Commission for aggravated identity theft and Fraud.

If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply. 

Warm Regards, XXXX XXXX XXXX Without Prejudice All Natural Rights Reserved
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update or remove some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be updated as soon as possible. 
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Product: Debt collection

Within the past few weeks, I have received notifications of a debt attempting to be collected from a company called Harris and Harris LTD. I have no idea who this company is. I have not communicated with this company. I have been a victim of the XXXX breach and I did place a fraud block on my credit report with XXXX, XXXX and XXXX however, this company it has still placed a collection account on my credit profiles and I am not associated with this company. Please remove this debt off of my credit report as I am not linked to this outstanding balance. I have experienced a lot of grief due to the XXXX breach with attempts to utilize my credit and I would like for this to be removed indefinitely.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting multiple collections accounts to my consumer report that doesn't belong to. These accounts were fraudulently placed on my report in which I never gave any of the creditors ( listed in my letter ) consent to purchase my personal information nor did I give them permission to report these accounts to and credit reporting agency. That is violation of my right to privacy pursuant 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. How can I owe a debt if there was never an agreement for me to pay a balance? I have no knowledge of these companies asking me to pay a debt where there was no mutual agreement.
Product: Credit card

Contacted FORTIVA regarding the amount due after making payment. They raised my payment amount from {$44.00} to over {$80.00} a month due to a payment made 2 days after the due date. I contacted their customer service to which I was asked why is your payment late? I live in Florida, not one time did I ask for assistance due to Hurricanes Helene or Milton. My payment was only 2 days late. I was told I had to pay almost {$130.00} to bring my account current. I called and was told your payment will go down based on your balance due How can my payment of {$40.00} a month for over a year go to almost {$90.00} in less than a month on a balance less than {$400.00}. This is wrong. I was told it will go down after each payment. I believe they are in direct violation of the Fair Debt Collection Act. Im looking to hire an attorney. I am needing your advice.
Product: Debt collection

I am writing to dispute the presence of fraudulent accounts on my credit report. Upon reviewing my credit report, I discovered several accounts that I believe to be the result of identity theft or fraudulent activity. I am requesting your assistance in investigating and, if necessary, removing these accounts from my credit report. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests.

The fraudulent accounts in question are as follows XXXX XXXX XXXX XXXX I implore your bureau to take immediate and comprehensive action concerning my identity theft disputes. I insist that you prioritize my case, conduct a thorough investigation, and expeditiously remove the fraudulent accounts and transactions from my credit report. I also request a clearly defined timeline for resolution and regular updates on the progress of my dispute. 

As a consumer, I believe it is my right to have my concerns addressed promptly and diligently. Should your bureau fail to provide a satisfactory response within a reasonable timeframe, I am fully prepared to seek legal counsel and escalate this matter to the appropriate regulatory authorities to ensure that justice is served.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was on a retroactive forbearance for my student loans through  XXXX   XXXX  from  XXXX   XXXX  through  XXXX   XXXX .  XXXX  had reported on all   XXXX   credit bureaus that my  XXXX  payment on several of my accounts was 90 days late. The reporting significantly decreased my  credit score . I filed a dispute with the credit bureaus with documentation, but it has gone no where.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my lender that I was not approved for a home equity loan due to some derogatory items listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Please remove the items as soon possible. XXXX   XXXX XX/XX/2020 {$410000.00}
Product: Mortgage

I was doing the forbearance and then my previous loan servicer sold my loan to BSI financial. At the end of my forbearance ( XXXX XXXX ), I initally wanted to do a loan modification but they gave me the run around and told me I was already behind and that it would take several months to get that approved if I was approved at all. So then I decided to just pay the balance. I set up the first payment of {$4500.00} and they took that payment on XX/XX/XXXX, and the remaining balance was going to be paid a month later. A week ago, I got a check in the mail from XXXX for {$4500.00} and the letter states it was returned for the reason of " Unapplied Funds ''. The next day I got a 45 day forclosure notice in the mail. At this point I have been calling and emailing every day and nobody will return my calls or emails. Then yesterday my credit dropped XXXX points and it shows a major derogatory and 180 days behind on payments. I was in the XXXX 's with a 100 % payment history for several years, and now my credit is ruined. I have all the money to pay them, but nobody will contact me. I am beyond frustrated and I feel like I am being scammed somehow. I did not cash the check they sent me so those funds are still in their account. Please help me ASAP. Thank you!