23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

i paid off my loan that i had with ocwen. i had a payoff quote good until XX/XX/2018 for the amount of {$120000.00}. They received that amount on XX/XX/2018. At the time, my escrow Balance was {$1600.00}, which i have from my online account and i also have a statement date XX/XX/2018.  Shortly after paying my account off i noticed my escrow fall to $ XXXX, with no reason as to why. No taxes or insurances were paid to make this happen. i received a check from them in the amount of {$900.00}. I contacted Ocwen and the person i spoke with ( i dont know their names because they dont speak very good english at all ) told me that the reason for the difference was that my payoff was actually {$120000.00} and thats why i received less, because i didnt send enough to cover my payoff. I pointed out to him that i sent exactly hat was listed on my payoff letter i received and i also sent it a day early. After looking into that, he agreed that i was correct. So then i asked for a explanation fo the escrow and he couldnt come up with one. i asked to speak with a escalation manager, whose name i also dont know but his extension is XXXX he tried to tell me that i had less in my escrow account than stated everywhere in my online account. He asked for a few days to resolve this and i agreed, but then told me no, i wasnt entitled to any more money. They tried to tell me that in XX/XX/XXXX i had XXXX in my excrow and then they paid my insurance which brought it down, however as stated in the payment history and in disbursement schedule, i had {$2300.00} when they received my payment in XX/XX/XXXX, then the {$1200.00} for my home insurance came out on XXXXXX/XX/XXXX leaving me with {$1100.00} and i made a payment adding {$570.00}. in the end, i had {$1600.00} in my escrow and i am entitled to all of that back. i am requesting they send me the difference in the {$1600.00} and the {$900.00} i have recieved plus interest. At this point my taxes are due which i was using this escrow money to pay for. i dont feel im being unreasonable as everything i have that i am using in my favor, came from Ocwens website. This is the info they have given me! The most recent contact i have is with XXXX XXXX at XXXX, she needs from XX/XX/XXXX until friday the XXXX to look into this which in my opinion is far to long. i can see this within hours. its right in front of our faces
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I demand the below accounts deleted from my consumer report. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 

I demand these accounts be deleted from my consumer report. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Key Bank, I am writing to address a concerning issue regarding our agreement and the handling of my financial affairs. Upon reviewing our agreement, I have come to realize that there are significant discrepancies and breaches of trust on your part. 

I extended my credit with Key Bank in good faith, expecting that my security would be traded on the secondary stock market as agreed upon. However, it has become evident that Key Bank has failed to perform its duties adequately. I discovered that your organization was relying on the assumption of my incompetence, hoping that I would not notice the waiver of my rights to the security interest. 

Despite my initial oversight, I am now fully aware of the situation and am prepared to take appropriate action. I understand that while I may have waived certain rights, you are still obligated to issue my billing statements. Furthermore, I am competent enough to recognize that I must accept my dividend check at face value and return it to ensure proper balance in the books. 

It is unacceptable for Key Bank to tarnish my creditworthiness unjustly. Your actions, including the reporting of late payments, while engaging in security fraud, are egregious and must cease immediately. I remind you of your obligation to adhere to the Fair Credit Billing Act ( 15 U.S.C. 1666 ), which requires financial institutions to adopt reasonable procedures to ensure that consumers receive billing statements. Moreover, under the Uniform Commercial Code ( U.C.C. ), specifically 1-302, any attempt to limit rights and remedies for failure to comply with obligations is unenforceable. Additionally, Key Bank 's failure to send billing statements via certified mail, thereby knowingly committing mail fraud, violates Title 18 of the United States Code ( U.S.C. ) 1341. 

I demand that Key Bank rectify the situation promptly. You have 30 days from receipt of this complaint to update my account to " paid as agreed, never late. '' Failure to comply will be considered willful noncompliance, which is a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), specifically 1681s-2 ( c ) ( 2 ) ( A ). I will pursue further action, including rescission of the waiver of my rights to the interest and a level 3 forensic audit.

I expect prompt and decisive action to resolve this matter and prevent any further harm to my financial standing.

Done in good faith.
Product: Credit reporting or other personal consumer reports

Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


XXXX there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX CODE XXXX XXXX - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. XXXX XXXX CODE XXXX XXXX - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER XXXXXXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Mortgage

On XX/XX/XXXX I noticed my " XXXX County Property taxes '' of {$10000.00} had not been paid by my Mortgager " Guaranteed Rate '' via my escrow account. I called Guaranteed Rate and asked why they had not been paid ( they had no good reason. ) They advised me to email a copy of my " Property Tax '' bill and they put in a work request to the escrow - property tax dept to get them paid. They acknowledged at that time if they were not paid on time they would be responsible for the 7 % Penalty Fee ( {$710.00} ) I made several phone calls from XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX to resolve this issue as we ended up selling our home and closing on it on XX/XX/XXXX. Because the property taxes were not paid, our escrow company paid XXXX County property taxes {$11000.00} through the proceeds of our sale. When I spoke to the " Supervisors '' on XX/XX/2018 & XXXX. They all acknowledged that Guaranteed Rate was responsible for the penalty Fee of {$710.00} and assured me that Guaranteed Rate would reimburse me when the loan was paid off. 
With no recourse in sight and no follow up from the elevation of our complaint with the reps at Guaranteed Rate, We filed a complaint with on XX/XX/XXXX with the XXXX with no response or On XX/XX/XXXX we spoke to " XXXX XXXX '' who follows up with BBB complaints who said he would look into it and call me back by XX/XX/XXXX - Again no call back. We finally called him back today XX/XX/XXXX. XXXX stated that Guaranteed Rate would NOT be refunding me the late fee because 1 ) The account is closed and 2 ) I put a stop on the payment?! ( after a recommendation from their representative who noted that since the escrow would be paying the taxes the next day it made no sense for Guaranteed Rate to make a double payment to XXXX County. The rep again acknowledged and reassured me that since Guaranteed Rate failed to meet their Fiduciary Responsibility we would receive a reimbursement of the Late Penalty. ) Although Im sure Mr. XXXX is sincere in his trying to help me, Im not confident that the Loan Servicing department he is working with is using any common sense in this department.
Product: Credit reporting or other personal consumer reports

Accounts are listed on my credit report as paid ( All delinquent accounts were paid off in XXXX XXXX XXXX XXXX but my credit score has not increased by much. It's sitting in the XXXX. Please help me understand why my score isn't higher. The other two accounts on my report have been paid on time for years.
Product: Checking or savings account

XX/XX/2020 My bank account is at the Apple Bank for Savings ' branch on XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX. The branch is outrageously closed " until further notice '' due to the " pandemic ''. 
This is the 3rd time this year that the bank is doing its disappearing act! 
How on earth can I manage my account & pay my bills if they are closed?? They are ruining MY ECONOMY & should be penalized & pay damages to all customers! They should either open immediately or transfer the branch to another entity that will stay open!! We the people need our finances managed competently & not be subjected to their political agendas which EVERYBODY IS GOING TO PAY FOR IN THE VERY NEAR FUTURE!!! I bet they are hugely compensated by the State - aka citizens ' tax revenues - for doing so!! LET THEM GO & LET 'S HAVE A CREDIT UNION IN THEIR PLACE!!!
Product: Credit card or prepaid card

On XX/XX/2023, a perpetrator impersonating me called Chase customer service and, according to Chase 's fraud department, passed their telephone verification process by providing my full name, credit card number, and mother 's maiden name. Chase then issued via SMS a one-time password ( OTP ) that the perpetrator received ( but I did not! ) and used it to gain access to my Chase.com portal. 

The perpetrator then added my credit card to an Apple Pay wallet ( I do not use Apple Pay ) and they attempted to redeem my accumulated Chase cash-back balance totaling {$1100.00} to a bank account that I do not own. I was altered to both transactions by email alerts that I had previously put in place in my Chase.com portal and I immediately called Chase to report the suspicious activity which, thankfully, Chase was able to halt. 

My problem is this : Chase admits to issuing the OTP at XX/XX/2023 XXXX EST but can not tell me to which telephone number it was sent. Their fraud agent told me that, perhaps, my phone was forwarded ( it wasn't ) or that the SMS had been intercepted by the perpetrator some other way. I contacted my mobile carrier, XXXX, who confirmed that no SMS message was sent to my number at that time. In fact, the most recent SMS message sent to my number was from days earlier. And I, personally, did not request an OTP or did I have any dealings with Chase on that day prior to receiving the email alerts. 

I believe Chase may have improperly and insecurely issued an OTP to my Chase.com account which allowed a perpetrator impersonating me to gain access to my secure account and attempt to steal from me.
Product: Debt collection

On or about XXXX my, now wife ( not my wife at the time ) took a personal loan out with speedy cash in the amount of {$1000.00}. Yes was unable to pay the debt and they received a judgement in the amount of XXXX in XXXX ( approx XXXX for the amount owed and XXXX in attorney fees with XXXX percent post judgement interest. In XXXX the company hired an attorney XXXX XXXX. She collected XXXX of the principle balance and which was applied to he underlying debt. Towards the end of XXXX requested my wife call to settle the matter we offered XXXXthe balance of what was owed with attorney fees and XXXX XXXX refused to discuss the matter and informed her she owed XXXX. This is unreasonable in any circumstance. 

Last week this individual garnished my checking that I put my wife 's name on for XXXX. Which I have no idea where she came up with the amount. I have been calling for the last week and a half and she has not answered, returned a call or responded via email. She has sent no verification of debt or anything within 5 business days that expanded to me my rights and what is exempt and or not exempt by law. 

My bank has also reached out to her and she has not responded to them. We have also reached out to the court to get her to respond. It is unfair for a {$1000.00} debt to become a {$4500.00} item ( XXXX plus the XXXX she has already collected ). It is unfair for an agent of a company to misrepresent the amount of the debt and to freeze accounts especially when you have children to feed and bills to pay. She has provided no back up showing how it is possible for XXXX in debt to become XXXX in debt. 

And she has been avoiding the conversation and unduly causing harm and stress in a matter.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. The following personal information is incorrect Former : XXXX XXXX XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX AL XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX MS XXXX XXXX. The following personal information is incorrect XXXX : XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized RESIDENT VERIFY Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized RESIDENT VERIFY Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXXXXXXXXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX OPENED ; XX/XX/XXXX XXXX Thank you for your attention and assistance regarding this matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

Is Equifax just crazy or incompetent? I've tried to get assistance and they keep responding saying they've fixed something I'M NOT COMPLAINING ABOUT!! I WILL TRY ONE MORE TIME, then I will sue. This is the some complaint I opened previously. They have not fixed it. They responded that I need to provide info to access my account. Ive done that EXACTLY 37 times. In XX/XX/2018, after experiencing some identity theft, I signed up for XXXX XXXX XXXX through Equifax. Through some sort of technical glitch, I was locked out of my online credit report. I opened numerous tickets with them from XX/XX/2018 until XX/XX/2018 to no avail. I have tried many times over the past 5 years to resolve it but they can not fix it or are unable to resolve it. I basically gave up until about 6 months ago when I was working to clean up my credit before I applied for a mortgage. I've had tremendous success with XXXX and XXXX, but my credit report is still locked with Equifax, to the point that it can't even be pulled for the 3 credit reporting agency report. It still has old addresses and fraudulent information and is hurting my credit. I have called Equifax 6 times, opened 6 tickets and each time they try the same thing over and over on the phone and then have to " escalate '' to their technical team and I'm supposed to hear back from them in 7-14 days. That's where the issue dies. NOT ONCE has anyone emailed me that they are working on the issue. The latest ticket number is XXXX and no one has called me after 21 days. They don't seem to know what the issue is and it's like they have just given up. I've spoken to at least 12 Customer Service Agents that try the same things but they have no clue as to the problem. They can't even recreate an account for me or unlock it. I need to get into my account and I've been LOCKED OUT FOR 5 YEARS. I have way too many emails and notes on the issue, but they haven't responded to me via email in 5 years. I've included a screenshot of the original emails that went NOWHERE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is showing that I have over 30 inquiries when I didn't authorize and it caused a big drop in my score. I disputed the same problems with XXXX and XXXX, both bureaus fixed the problem. Transunion is giving me a hard time. I reported to that my credit and personal profile been hacked in which I never been a situation such as this.
Product: Credit card

I PURCHASED A JACKET FOR {$100.00} FROM MACY 'S ( ORDER # XXXX ) ON XX/XX/year> AND RETURNED IT IN STORE ON XX/XX/year> BECAUSE IT WAS TOO SMALL AND I RE-ORDERED IT IN A BIGGER SIZE ONLINE. I AM INITIATING THIS COMPLAINT BECAUSE AS OF TODAY XX/XX/year>, I HAVE NOT RECEIVED MY REFUND OF {$100.00}. I CALLED MACY 'S ON XX/XX/year> AND WAS TOLD BY A REPRESENTATIVE THAT MY REFUND WAS PUT ON A GIFT CARD IN WHICH IT SHOULD NOT HAVE BEEN BECAUSE I MADE THE PURCHASE WITH MY DEBIT CARD ; THEREFORE, THE REFUND SHOULD HAVE BEEN RETURNED TO THE ORIGINAL FORM OF PAYMENT. THE REPRESENTATIVE FURTHER STATED THAT SHE WOULD TRANSFER THE REFUND FROM THE GIFT CARD TO MY DEBIT CARD. I WAITED A FEW DAYS AND WHEN THE REFUND HAD NOT BEEN CREDITED BACK TO MY DEBIT CARD BY XX/XX/year>, I CALLED MACY 'S AGAIN AND WAS TOLD BY A SUPERVISOR NAMED " XXXX '' THAT THE REFUND SHOULD POST TO MY ACCOUNT BY FRIDAY XX/XX/year> AND THAT HE WOULD CALL ME TO VERIFY THAT IT WAS. ON XX/XX/year>, I WAITED UNTIL XXXXXXXX XXXX FOR XXXX 'S CALL AND WHEN HE DIDN'T CALL ME, I CALLED MACY 'S AGAIN AND SPOKE WITH ANOTHER SUPERVISOR NAMED " XXXX '' WHO DID NOTHING TO HELP ME. HE TOLD ME TO WAIT UNTIL THE END OF THE DAY FOR THE REFUND TO BE POSTED TO MY DEBIT CARD, BUT HE COULD NOT STATE WHAT HE CONSIDERED TO BE THE END OF THE DAY. HE OFFERED NO RESOLUTIONS OTHER THAN FOR ME TO WAIT AND IF I DIDN'T GET THE REFUND, CALL MACY 'S BACK THE FOLLOWING DAY. I AM APALLED AT THE FACT THAT I RETURNED AN ITEM TO THEM 2 WEEKS AGO AND I STILL DON'T HAVE MY REFUND WHICH SHOULD HAVE BEEN POSTED TO MY ACCOUNT WITHIN 2-3 DAYS AS IT USUALLY IS.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I discovered more proof of late payments on an account for which I have always maintained timely payments. Its also been more than 30 days with a previous case open. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX XXXX, account number : XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence, demonstrating the lateness of these payments. And the correct information with 100 % accuracy across all 3 credit agencies. If unable to furnish such proof of 100 % accuracy across all credit agencies, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.
Product: Student loan

The servicer is Nelnet for the student loans by me XXXX XXXX loan number XXXX and my daughter XXXX XXXX account number XXXX. They are ruining both of our credit scores by not allowing us to make payment in full. 
I have power of attorney from my daughter to handle the student loan debt and have communicated with Nelnet on behalf of both us via certified mail that we wished to make payment in full under the following conditions : 1- That we receive a certified and true itemized bill showing the original amount loaned and by who? 
2- Confirmation if the loan has been sold or converted to a Student Loan Asset Backed Security ( SLABS ) and who the true current creditor and owner of this debt is. 
3- That once we make payment in full to the verified true creditor, that we will receive our original promissory note with original signature, so we cam destroy it and prevent anyone else from making the same claim in the future. 
All of my certified mail to the CFO of Nelnet repeatedly requesting that he provide me this info so I can make payment in full, have not been answered. I also explained that under Florida law and UCC commercial law, when a person makes a certified statement to make tender payment in full, and such payment in full is rejected by non-response or acquiescence, such debt is considered non verifiable and discharged. Regardless of my several written certified mail attempts to make payment in full, this collection agency and its CFO, have purposely denied me the right to pay the true creditor and continue to harass and financially harm me by destroying my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

pursuant to 15 usc 1681 ( a ) ( 2 ) I contacted the company and asked why was a initial investigation done before reporting my information, I never received a call letter or anything pertaining to my dealing with any of the information they have already reported which has caused adversity in my life.

pursuant to 15 usc 1681 ( a ) ( 4 ) They never exercised their grave responsibility with fairness and impartiality which show a no respect for my consumer rights to privacy and they knowingly broke the law by not follow the standards set by congress.

I also asked why are they still reporting accounts that has been closed. I have called and tried to get them to remove said account removed and they refused I talked to a worker named XXXX XXXX XXXX said '' they don't have to investigate before reporting they just go by what the creditor say and that is good enough, that goes against said code.