23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

When I was in the process of refinancing my house 4 months ago, the mortgage company asked me to pay off my Synchrony bank consumer account. So, the escrow company issued a check to pay off the balance of {$9700.00} around XXXX. 20 days later, my account was still showing the balance of {$9700.00}. So, we called the customer service to check the status and they said our XXXX check might be lost. So, we cancelled the XXXX check and FedEx the XXXX check overnight on XXXX XXXX. Couple days after we mailed the XXXX check, my account suddenly became {$0.00} balance 2 days later ( I think they finally update the record from the XXXX check we mailed ). 
Due to the {$0.00} balance showing on my account, Synchrony bank has returned the XXXX check. 1 week later after I received the returned check, my account balance has been updated to {$9700.00} ( they finally found out that the XXXX check has been cancelled ). Therefore, we FedEx the XXXX check overnight again on XXXX XXXX. I called on XXXX XXXX and talked to XXXX ( account manager ). She confirmed that she has the check and would make it will be cashed. By looking at the back of the check, we are sure that Synchrony bank has cashed the check on XXXX XXXX ( with proof of the stamp on the back of check ). The escrow company 's account also showed that the money has been cashed on XXXX XXXX. 
However, Synchrony bank has never record this payment. I have made at least XXXX calls talked to different account managers. They all said that the record show the check has been reversed ( XXXX XXXX, the time XXXX returned my XXXX check ). No one wants to investigate what 's going on. I even faxed the copy of front and back of the check with Synchrony bank 's stamp on it, but they said it can not prove anything. They asked me to provide bank statement to prove myself. This is escrow company trust account. They can not provide the bank statement to me or to anyone else. Just like Synchrony bank, can they provide their company bank statement to me? Of course not. They try to make thing difficult. 
On XXXX XXXX, when I called them again to discuss this issue, Synchrony bank asked me to pay off my account to avoid late payment record on the credit report so I did. Now I made the payment twice but they still claim that they did n't receive the payment made from the escrow company. They now have extra {$9700.00} in their bank account, but they do n't want to admit it. I do n't know what else I can do to get this issue corrected. For the big bank like Synchrony, they can not find out extra money on their bank account? I do n't believe it. Please help me to get this problem resolved. Thank you very much!
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I have a mortgage with New Rez, LLC who also collects my escrow reserve funds.

I identified an issue with my escrow account when I received a letter from New Rez in XX/XX/2020 informing me of a shortfall of funds in my escrow account. As a result my monthly payments increased by {$430.00}. I then created a spread sheet with all my payments including principle, interest, escrow , County tax payments and home insurance payments. At this point I discovered duplicate Country tax payments. I first reached out to New Rez ( managed by Shellpoint Mortgage  Servicing ) by phone on XX/XX/XXXX with subsequent calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I met my tax collector. I am current with my taxes and they have no record of duplicate or overpayments. I also wrote a letter sent via e-mail to Shellpoint Mortgage Servicing on XX/XX/XXXX. My overpayment of > {$4000.00} has still not been resolved. I keep getting the run around and told my info has been passed along to the tax department. My  last conversation on XX/XX/XXXX I was told my issue should be resolved between now and XX/XX/XXXX. I am more than frustrated. I want answers and I want my money refunded to me. I also want to manage my own escrow account moving forward. You assistance with this issue is much appreciated.
Product: Credit reporting or other personal consumer reports

There I have late payments reported on my credit report that need to be addressed. late payments Under the law, 15 USC 1666B ( a ), I expect my rights to be protected regarding the late payments reported on my credit report. 
( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I never received a billing statement, neither by mail nor email. Additionally, there have been several confusing changes to the account regarding when the payment was past due.
Product: Mortgage

XXXX 2017 Wells Fargo rep XXXX XXXX submitted a refi plan for my home. He stated that the closing costs would be $ XXXX less than what was on the quote. He said that Texas had a rule allowing a max of 3 % of the loan amount in fees but regulations would n't allow him to reduce the fees in the beginning but the closer would update and show the 3 % correctly. XXXX would n't return my calls or e mails so I contacted his supervisor, XXXX XXXX -- -and he told me that he could n't do anything about the 3 % but that he would refund my appraisal fee of {$530.00}. I told him several times that I wanted that in writing and he finally sent me an email in XXXX stating that he would return the appraisal. Nothing after that. 
I received an email from XXXX XXXX VP of Well Fargo National Retail Sales -for a survey -- I responded with all the info and e mails sent to XXXX XXXX XXXX Executive Resolution. I keep getting letters from her delaying the solution. so I decided to contact your organization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX  Account Number : XXXX Delete this account. 

XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX, XXXX, A XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/2023 Delete From My CREDIT REPORT 7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Delete From My CREDIT REPORT 8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2023 Delete From My CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which still appears on my equifax credit report, does not relate to any transaction ( s ) that I have made. Accounts : XXXX XXXX, amount of {$3700.00}, XXXX XXXX, XXXX XXXX XXXX XXXX in the amount of {$8700.00}, are the result of identity. Also the result of identity theft are XXXX XXXX  accounts and they were sent to collections as well to XXXX XXXX XXXX XXXX, Account # s XXXX, AND XXXX amounts {$1700.00}, {$630.00}, {$520.00}, {$460.00}, All the XXXX XXXX   accounts, ( XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. These accounts are also duplicates and also reporting under XXXX XXXX XXXX, XXXX XXXX, {$1000.00} account, -Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. On XX/XX/2018, the companies responded back stating that the disputed accounts, listed in my attachments ; have either been blocked or do not appear on the consumer 's credit report. The other CRA 's have complied and have deleted these accounts, however, after reviewing my Equifax report, they are all still reporting.
Product: Checking or savings account

XX/XX/XXXX discovered a fraudulent pending transfer of {$23000.00} from my Syncrhony high yield savings account. Notified Synchrony immediately but was told that it could not be halted. Explained that this was fraudulent and was told it would be investigated. Since then have received no correspondence by email, test, phone call or mail from Synchrony other than my almost weekly calls to them. Upon these calls have only been told that it is under investigation even when requesting to speak with a supervisor. I don't know if this is normal procedure but am thinking it is not. Any information or action you may give or take would be appreciated. I have filled complaints with FTC and police department.
Product: Debt collection

A DEBT FROM XXXX FOR A VEHICLE I CURRENTLY NO LONGER OWN AND PAID OFF XXXX TO THIRD PARTY CREDITOR WITH NO CONTRACT IN PLACE THIS ATTORNEY CONTACTED ME AND STATED THAT I OWE HIM FOR THE VEHICLE DEBT THAT WAS ESTABLISHED IN XXXX AND IN XXXX THE ATTORNEY CLIAMED HE WAS HIRED BY THE COMPANY I PURCHASED VECHILE FROM IN XXXX HE WAS Documents By typing my full name below, I certify that the above complaint is true and accurate to the best of my knowledge and that any documents attached are true and accurate copies of the originals. * Signature XXXX XXXX Date of Affirmation XX/XX/XXXX COMPANY I PURCHASED VECHILE FROM IN XXXX HE WAS ATTEMPTING TO COLLECT A DEBT AND BEGAN TO GARISH MY PAYCHECK SINCE XXXX FOR THE CAR PURCHASED IN XXXX NOW THAT IM WORKING WITH XXXX XXXX THE NEW DEBT COLLECTOR XXXX XXXX ATTORNEY RUBAN AND ROTHMAN, LLC ATTORNEYS AT LAW AS OF XX/XX/XXXX THE ATTORNEYS STATE I OWE THEM XXXX JUDGEMENT FROM XX/XX/XXXX WHICH WAS ORGINIALLY XXXX I BELEIVE THE STATUE OF LIMITATION IS ONLY 7 YEARS ALSO THE ORGINAL DEBT SECURITY WAS SOLE AFTER PAYMENT AND NONE OF THIS IS BEING REPORT TO THE IRS WHICH IS ANOTHER FEDERAL OBLIGATION AND NOW FRAUD FROM THESE FORERIGN AGENTS ACTING IN DEBT COLLECTOR CAPACITY WITH OUT CONTRCAT THEY ARE OPERRATING IN A CAPACITY OF A DEBT COLLECTOR AGAIN TITLE 15 USC 1692 G ALSO THE SHERRIF DEPARTMENT OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEW YORK XXXX HAS ADDED {$20000.00} NO EXPLIANATION FOR FEES JUST STEALING FROM THE ELDERLY WITH PAST STATUE OF LIMISATION TO COLLECT AS DEBT COLLECTOR HOWEVER MY CLIAMS AND DEFENSE BEGINS WHEN I NOTICED THE FRAUD UCC 3-305 ( 1 ) as for as these debt collectors 18 USC 1001 and 1005 applies WHICH SEC AND FINCEN SHOULD BE NOTIFIED AND IRS for security fraud using tax payer money to get Judgment without giving me the write to face my accuser IM REQUESTING THE REGISTRATION NUMBER FOR THE FORIEGN AGENTS ONFILE WITH THE DOJ AND ALL MY MONEY BACK FOR FALSE COLLECTION SEE ATTACHMENTS
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX  endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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
Product: Checking or savings account

My wife had been solicited online from a mystery shopper scam. On XX/XX/XXXX I personally took the check {$2800.00} to the branch closest to me chase bank branch location XXXX. The teller XXXX cashbox # XXXX, explained the check may not be available till XX/XX/XXXX but, if you have online banking, you will be able to see if funds are available and you know you can use them.The very next day the funds were made available. We had over seven thousand dollars in the bank and the very next day we had over 10,000 dollars available because of the check clearing! I explained to my wife she could use the funds! She did so immediately to participate in the mystery shopping because we thought it was okay because of the information provided by the teller. We were not desperate for that money because it was evident we had money in bank already.We trusted the expertise of Chase bank being liable verbally and being experts.I arrived home that night from work and the bank had charged us back because the check was no good.My wife contacted the bank manager.XXXX or XXXX said they do make funds available sometime before the check clears. I met with bank manager XX/XX/XXXX and he was high toned and felt they were not responsible in any way with the arbitrarily decision if we see the funds available we could start using them. All the teller had to say was it would not be available to XX/XX/XXXX like it says on the reciept.That was the greater offense.We have banked with Chase bank since at least XX/XX/XXXX and the branches we lived around got to know the people and they would have never treated us like this. They felt some responsibility because they waived the return check fee! I felt they made the money available because we had money in their already and felt if it was a problem it would be on us.I asked XXXX who his boss was and said I ca n't give you his number but XXXX would be calling you.That never happened! Their complaint department called me twice and sent me a letter saying they want to help.I called to this date at least 8-9 times and spoke with two people on different occasion. One person says well it 's a specific person handling your situation. The other time another person says basically the same message and I told her I am going to arbitrators and she says yeah we really ca n't do anything because of fraudsters.
Product: Credit reporting or other personal consumer reports

Equifax has a Bankruptcy on credit when i have never ever filed for bankruptcy
Product: Credit reporting or other personal consumer reports

since XXXX, I have fervently reached out to the consumer reporting agencies as well as the creditors listed on the attached documentation regarding how Ive been impacted by XXXX data breach. Ive informed the consumer reporting agencies of the identity theft as well as provided the consumer reporting agencies with sufficient proof in the form of affidavits, as well as locally filed police reports regarding the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Despite my continuous, dreadful, and unsuccessful attempts to rectify my credit file, the consumer reporting agencies have been negligent and non-compliant to the FCRA 605b and promptly blocking and removing these accounts from my consumer credit profile. I have informed the consumer reporting agencies that the accounts listed on my affidavit are not related to any transactions made by me, and that my request was not made in error. a result of XXXX data breach, XXXX have promptly blocked and removed the account from my credit file, however, Experian and XXXX have refused to do so by stating that they do not block and remove accounts. I am requesting that the CFPB aid me in the removing of these fraudulent accounts from my profile, as I have endured tremendous adversity as a result of this breach. I am also using this final, good faith attempt with clean hands, to support me should I have to seek monetary damages if this final attempt is unsuccessful. attached are the following : XXXX qualification claim that proves I was a victim of XXXX data breach, FTC affidavit, local police report, drivers license, and Social Security card.
Product: Checking or savings account

i transferred {$1500.00} from another account and they froze my account. They asked me to verify myself which i have and i also offered to give the bank info where the funds came from. They took my rent payment and are holding it with no communication to what's going on. i have reached out to them over 5 times and they wont say anything but someone will contact me. We are currently on day 4 no contact. I was told that on Monday ( today ) i would be able to enter a branch and get my funds and the account would be closed afterwards. I called today they said i cant get any of my funds although i went into a branch and verified myself and the funds. They are rude and been hanging up without providing information where my money will be going, Or how i can get my money that was intended for the rent.
Product: Credit card or prepaid card

I previously applied for a capital one card with help of my home attendant. She stated the card application was denied. Upon checking my credit report I notice a approval for XXXX from capital one with a balance of XXXX. Called capital one to verify account and the phone number used to activate and set up the account was the same one as my home attendant. Which ends in XXXX. I notified my credit card company of fraud and they will keep in contact.
Product: Credit card or prepaid card

To whom it may concern, Commenity Bank has made numerous phone calls to my cell phone using an 'unavailable ' phone number trying to retrieve payment. I have answered a few of said phone calls however, when I do, I usually get no response on the other end. This evening around XXXX XXXX EST on XXXX/XXXX/2017 I  was unavailable and a friend of mine answered the phone for me as instructed. She said " hello '' and the person on the other end who named himself as XXXX advised where he was calling from and for what reason without verifying my identity first. Obviously, said person who answered my phone was not me. In trying to ask why he is telling her all of this information he then tried to tell her she was not on a recorded line and that the phone number showing up on my phone that he is calling from was not listed on the Caller ID as unavailable. Unfortunately for them, it absolutely was. Also, he never stated he was on recorded line and he also tried to advise that they do not abide by the FDCPA. <P/>I would love some clarity on this issue as I am pretty positive that you can not disclose a debt to just anyone unless they verify some type of personal information such as SSN or DOB at the very least.
Product: Student loan

In XX/XX/XXXX, a lump sum payment by the Department of Defense ( DoD ) was made to FedLoan Servicing in the amount of {$31000.00}. As stated on studentaid.gov ( https : //studentaid.govXXXX ) the DoD lump payment exceeded what would have been received over a 12-month period, which would result in 12 payments counted towards the required 120 Public Service Loan Forgiveness ( PSLF ) payments. Since XXXX I have repeatedly tried to get this matter resolved with only a partial number of those payments reflected. To date, only XX/XX/XXXX through XX/XX/XXXX have been counted, while XX/XX/XXXX through XX/XX/XXXX have not counted. 
Following numerous phone calls and escalated case requests, I have come to learn on XXXX XX/XX/XXXX, that the reason XX/XX/XXXX XX/XX/XXXX were not counted was due to the fact that a rule ( not described to me at any point ) is in place where my income recertification month of XXXX negated the remaining DoD Lump sum payments to be counted. I have scoured the Code of Federal regulations, made close to a hundred phone calls to FedLoan Servicing, and reviewed all aspects related to the DoD lump sum payment over the last three years without a single note or rule stating the aforementioned rule. Not a single FedLoan representative mentioned this extremely important rule in the last three years. More importantly, as an XXXX XXXX servicemember, I am not in control or have any ability to influence when the DoD lump sum payment is disbursed towards my student loans. Without any control over those matters, it would seem unfair and dishonest to accept all {$31000.00} by FedLoan Servicing only to curtail the full number of payments that should be counted. 
I have consistently received misinformation and improper guidance from FedLoan servicing over the last three years pertaining this matter and many others for which I will not get into. No phone call is ever the same because the guidance and rules regarding this program has been poorly understood by the service representatives. I am looking for someone to help.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
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 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 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: Credit reporting, credit repair services, or other personal consumer reports

I contacted the United States Bankruptcy Court in XXXX Connecticut on XXXX XXXX, telephone number XXXX and inquired about XXXX Bankruptcys that are on my credit report, XXXX from date XXXX/XXXX/XXXX and XXXX from XXXX/XXXX/XXXX. I spoke with Bankruptcy clerk XXXX XXXX and stated to her this is showing on my credit report with Experian, XXXX and XXXX, Bankruptcy clerk XXXX XXXX stated to me they didnt report any Bankruptcy of any kind with my name on it, XXXX XXXX along with another clerk by the name of XXXX stated the Bankruptcy court do not report to any of these agencys. They stated to me they dont know where the got this information from or how, but that didnt provide them this information. And that this information is incorrect.