23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/2019 I closed on the refinance of my home loan.The mortage broker sold my account to a new loan servicer, Amerihome. Along with that I was able to skip a payment to my new loan servicer. I made the first payment to Amerihome Mortgage in XX/XX/2019. Before I could make a second payment, I received word that an escrow analysis had been done and I was approximately {$680.00} short and my payment would be increased XXXX starting in XX/XX/2019. My current mortage payment is XXXX. I want to mention that beforeI refinanced, I had changed mortage insurance due to rising costs and had a rate I was comfortable with. Also my state property taxes decreased this year. So the shortage was not due to takes or insurance increases. According to customer service, the shortgage is due to their requirement that I have an escrow extra reserve. Amerihome states I can pay the amount upfront if I do not want a higher mortgage payment, Otherwise I will pay a {$56.00} higher monthly mortgage payment for a year. I was also informed if I request, I can spread the repayment amount over 4 years. I am wondering if this escrow shortage is vital, how could replacement be dispersed over 4 years? I am wondering also if it is common practice to complete an escrow analysis on a new customer? I feel like Amerihome examined customers escrow who have a lower monthly payment and interest rate and reasoned that there is room for increase. I had a rough period 3 years ago with my mortgage payment. It helped my to refinance to a low interest variable rate for a while. I have now finally refinanced back to fix rate to what I thought was a comfortable payment to have it increased in less than 2 months? During my rough period I had XXXX as loan servicer. I am concerned to discover that they are associated with Amerihome. I went through the closing process, all the costs were calculated before the documents were signed. How could a loan servicer do this to a new customer and more importantly, they should have performed an escrow analysis before buying my account and possibly declined, to help prevent a situation such as this.
Product: Checking or savings account

My name is XXXX XXXX. Im client of Bank of America. 
I have my account XXXX. 

I'm traveling in XXXX and unfortunately on XX/XX/2022 I was robbed in XXXX, where the 2 thieves with physical aggression took my cell phone while I was using it. They blocked my XXXX password so that I couldn't block the cell phone having access to all my passwords and apps. 

Once I had access to my computer, I logged into online banking and changed my password online, and also blocked my debit and credit cards. 

I went to the police station to register the robbery : Report number : XXXX Departamento de Policia : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I told them I have the police report to send XXXX I contacted the bank to notify the robbery. I informed them that any transaction carried out from XX/XX/2022 onwards was not made by me on my credit card or bank account. 


2. XXXX XXXX XXXX XXXX I informed the attendant that 3 transfers were made but those werent made by me. 

1. XXXX XXXX {$200.00} to XXXX XXXX I informed him that I would like to notify that I did not carry out this transaction, the same was done by the thieves, however, the bank would not need to process a possible return of the amount because the amount was stopped in my XXXX XXXX I believe thieves did not know how to use the App. I could return the amount to my bank account myself. 

Resolution by the bank : Claim XXXX was opened to notify that I was not the one who carried out the transaction. They put a temporary credit adjustment in the amount of U {$200.00} and blocked any operation coming from my cash app. 

2. XXXX I informed the attendant that there were 2 transactions through XXXX that were not carried out by me. 

1. U {$10.00} to XXXX I did not carry out this transaction, however, XXXX is one of my contacts. I believe the thieves were learning how to transfer through XXXX. In this case, I could ask XXXX to return the value to me. 
The attendant said It would be better XXXX not to return the amount until the claim was completed. 

2. {$100.00} to XXXX XXXX I didn't carry out that transaction and I don't know that person. Also, the person is not in my XXXX contacts. I never made any transaction for this person. This beneficiary is tied to thieves. 


Resolution by the bank : They opened the claim but did not provide me with the number. They said I would receive it by email or could check it at the center but I have not received. 
No temporary credit adjustment has been made to my bank account and the process has not yet completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute straight to XXXX  ( XXXX XXXX XXXX XXXX about late payments they were reporting on XXXX. I sent multiple disputes to the bureaus XXXX, XX/XX/21. I can not get a response from XXXX  via mail. i can not access their online account. i get notice that they sent me an account message that says they will complete my dispute within 24 hours then nothing. Everytime i send over a dispute, they update the information instead of deleting and they have had more than 10 errors in the reporting. I made payments for the months it shows late. They have late payments showing all 3 bureaus at different times. They show in balance history payment being made XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX but then reported i was 120 days late in XX/XX/XXXX with equifax and XXXX and 180 days late at that point with XXXX.
Product: Money transfer, virtual currency, or money service

The bank I sent the money through said they were unable to refund my even though the XXXX was offered through their application on my phone.
Product: Debt collection

I noticed the following collection accounts on my credit report that does not belong to me. 

XXXX XXXX XXXX ... XXXX ... XX/XX/XXXX Caine & Weine XXXX XXXX ... XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ... XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Received a loan for a year {$7000.00} and it turned into an {$11000.00} loan. OneMain Financial made me and snuck in products such as gap insurance and other insurances and other fees that were completely not manageable financially for me to purchase I receive this loan during the Covid time when it began. And then they took pictures on my car. They did not initially upfront, say that they wanted collateral such as that as well. Their shark loans and took advantage of me and a vulnerable time when finances were tight for everyone.
Product: Checking or savings account

To whom it may concern, Over the past few months since the account was opened in XX/XX/XXXX. Regions has not only charged me over {$180.00} in overdraft fees caused by disputes they refuse to actually investigate. The bank also refuses to refund the fraud that occurred in XX/XX/XXXX and XX/XX/2018. I noticed these fraudulent charges on that were multiple duplicates for XXXX XXXX, A XXXX XXXX Bank ATM withdraw for {$400.00} and several other charges including one for XXXX. These charges all occurred after I lost my card, and then it was stolen. I locked it promptly. Called up their XXXX number, was told by the customer service agent, and the manager that they cant assist over the phone. Even though I explained in detail. After this I got online sent a secure message which took them two weeks to respond. I signed an affidavit. They never even investigated. Never placed temporary credits. Regions then proceeds to tell me that I authorized all of these. When I called to ask for proof because I know I did not, they said send them a police report or there is nothing they can do. This is crazy. XXXX XXXX would have gotten on top of the fraud and refunded me. Regions didnt even attempt to investigate and instead just assumes I should be liable. This is very upsetting and I have tried contacting them numerous times without resolution. 

Second issue is I have noticed this month a couple of charges keep appearing twice. I have notified them of this as well to submit a dispute. They also refuse to investigate this.
Product: Debt collection

They repeatatively call out business, no one there when I answer, when we call them back to have reps remove our phone number, the reps refuse to remove our number from their list.
Product: Credit reporting, credit repair services, or other personal consumer reports

When the COVID-19 pandemic first occurred I called the company, XXXX XXXX, when I first lost my job and they told me that the only thing that could be done for me is they would erase late payments. So as soon I as I received any financial assistance I made sure it was one of the first bills I took care of because it was showing up as a late account on my credit report. That was in XXXX. In XXXX the account was up to date. I kept checking my credit report and it has not been updated since XX/XX/XXXX. I have been in contact with them 4 different times and they have given me different answers every time. I called XX/XX/XXXX and they told me there was a freeze on my account and they were going to take it off so my credit would be reported on the XXXX on XXXX. I then received an email XX/XX/XXXX and it said they were not reporting until XX/XX/XXXX. Now they just told me I have to fill out a form to take the freeze off. I also have disputed this with each of the credit bureaus and they told me the information was accurate and nothing about a freeze.
Product: Credit reporting or other personal consumer reports

on XX/XX/year> i summited dispute with all the credit reporting agencies in regards to 3 open accounts on my credit report these accounts don't belong to me and is showing on my credit report. i have sent them information about my account with a ftc report stating that these accounts should be removed. they fail to investigate and remove these account. i have called to try to get this issues resolved but i was hung up on by different reps and 1 supervisor this is not right I'm a XXXX XXXX who just had an XXXX I'm a XXXX XXXX trying to get a place to stay for me and my child. with my credit showing incorrect information on it that does not help my family this is not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX  XXXX XXXX # XXXX. The dates wereXXXX XXXX XXXX XXXX, XXXX  XXXX # XXXX the dates were XXXX XX/XX/2020my income was affected due to the COVID-19 Pandemicshut down. I am in the middle of moving and this alate mark is preventing me from moving to a new apt . I was under the COVID-19 SHUTDOWN.The CARES Act calls these agreements accommodations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is Outrageous!! I am writing to dispute the inclusion of certain collection accounts on my credit report, which I believe are inaccurate and UNVERIFIED. These accounts have violated my rights! ( XXXX XXXX XXXX  ) ACCOUNT # XXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists 18 U.S. Code 8 - Obligation or other security of the United States defined. I owe no debt 15 U.S. Code 1681b - Permissible purposes of consumer reports. I have the right to privacy I have already sent a debt validation request to the collection agencies as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and I have yet to receive satisfactory proof that these debts are indeed mine. Please provide original contract with my signature or I expect these accounts to be deleted within 30 days!!! 


FIRST OFF ..THIS COMPANY IS FRAUD!!! THEY CANT VALIDATE THE DEBT BECAUSE ITS NOT MINE!! 

XXXX XXXX XXXX is not XXXX XXXX XXXX XXXX XXXX XXXX  accredited. It has a XXXX  rating of XXXX and a star rating of XXXX from XXXX recnt customer reviews. Their XXXX rating is XXXX from XXXX customer reviews. The complaints from these platforms include : Dealing with unprofessional representatives Failure to validate debt after sending a Debt Validation Letter Wrong debt entry to credit report Being contacted for a debt that has been previously paid
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX  are all reporting that I owe a student loan when in fact this is not true and the statue of limitations are expired which is 4 years in the State of Texas. I have sent multiple letters to ask them to verify the " unverified '' information in which I was told that they have investigated and it is in " fact my account ''. This is untrue and incorrect and I need them all to delete this incorrect information from my credit file. I can not get a mortgage for my family because of their error. What upsets me is that they can put incorrect information and say they " investigated '' when I know for a fact that no investigation was done and no proof or wet ink signatures were sent to me. I do not have an MPN for the loans they have on my file. So they need to remove this within the legally allotted time frame which has increasingly expired. I understand that XXXX and others have been sued for reporting incorrect information on peoples personal credit reports and I want my name added to that bunch. I do not want to go to court and sue the 3 credit agencies and XXXX XXXX XXXX XXXX for their mistakes.
Product: Mortgage

I was on planet home lendings deferment program. I signed paperwork for a deferment period XX/XX/2023 through XX/XX/2023 with XXXX payment due XX/XX/2023. 
I called in to make the payment early ( in XXXX ) When I called I told the lady on the phone this is my first payment that is due on XX/XX/XXXX. She took the payment and nothing was said. 

I later found out that they applied it to a XXXX payment that was supposedly due. I was NEVER told of a XXXX payment due, the woman on the phone did not say anything about it. If i actually had a XXXX payment due why was the deferment period not XXXX through XXXX? Also, If I would have just waited and made the payment on XX/XX/XXXX nothing ever would have been said about a XXXX payment. 

My money was miss applied and I need it re applied to XXXX. 

I have gotten no where with the company. They will not take any responsibility for miss applying my payment.
Product: Checking or savings account

On or about XX/XX/2023, check number XXXX in the amount of {$9900.00} was mailed via US Mail and made out to XXXX XXXX was apparently stolen and cashed at a XXXX XXXX  ATM machine in XXXX. XXXX XXXX  called XXXX XXXX to notify them that a check made out to XXXX XXXX was deposited by someone that does not appear to be from XXXX XXXX, and they wanted to confirm. XXXX XXXX called my office advising of this fact and I immediately called my Chase Bank on XX/XX/2023 to restrict my checking account number ending with ... XXXX and replace it with account ending with ... XXXX. Chase Bank Case number is XXXX. 

Four- and one-half months has gone by and all I keep getting from Chase Bank what the status is for the stolen check is that XXXX XXXX is not responding to chase Bank 's constant calls, emails or letters. I called XXXX XXXX, and they gave me very little information about the stolen check. Both Banks simply said to me that it could take 6 to 8 months before a decision is made. In the meantime, XXXX XXXX keeps sending me notices of payment due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX XXXX XXXX a certified letter dated for XX/XX/18. My credit report has an account listed owing {$290.00}. XXXX removed this error with no issues, but Transunion and XXXX have not. I disputed this account several times because I did not open it. My social security number was placed on XXXX by an unnamed individual seeking revenge against me. There were several accounts open without my permission. I completed an identity theft report and forwarded it to XXXX XXXX, along with my driver 's license and social security card. They have refused to remove this error, even after receiving documentation. I am concerned that they will continue to ruin my credit with the continue reporting of fraudulent information.
Product: Debt collection

Id like to file a complaint against Bank of America who I have been contacting for a long time but Im unable to interact with one decent person. Last time I made a complaint thru CFPB against Bank of America, I did a receive a call from someone who was trying to harass me over the phone. And I also remember when I spoke to the debt collection agency regarding my account, and I was told that theres nothing that I have to pay and I should contact the bank. I contacted the bank again and they werent listening anything. They asked me to contact the debt collection agency. Im sick and tired of this entire situation and I fail to understand why am I being harassed by Bank of America when I have made all the dues/payments and I dont owe them anything. 
Once again Id like to inform u the following charges due to which I have received severe harassment by the Bank of America : 1. An interest charge of {$1.00} on XX/XX/XXXX 2. An interest charge of {$3.00} and {$25.00} late fee on XX/XX/XXXX 3. An interest charge of {$1.00} and {$25.00} late fee on XX/XX/XXXX 4. An interest charge of {$1.00} and {$25.00} late fee on XX/XX/XXXX 5. An interest charge of {$1.00} XX/XX/XXXX 6. An interest charge of {$4.00} and {$25.00} late fee on XX/XX/XXXX 7. An interest charge of {$5.00} and {$38.00} late fee on XX/XX/XXXX 8. An interest charge of {$6.00} and {$38.00} late fee on XX/XX/XXXX 9. An interest charge of {$4.00} and late fee of {$25.00} on XXXX XXXX 10. An interest charge of {$3.00} and {$25.00} late fee on XXXX XXXX 11. An interest charge of {$4.00} and {$39.00} late fee on XXXX  XXXX 12. An interest charge of {$4.00} and {$39.00} late fee on XXXX XXXX 13. An interest charge of {$5.00} and {$39.00} late fee on XXXX XXXX 14. An interest charge of $ XXXXand {$39.00} late fee on XXXX XXXX  15. An interest charge of {$6.00} and {$39.00} late fee on XXXX XXXX  16. An interest charge of {$7.00} on XX/XX/XXXX A total of {$480.00} is the amount that the bank is asking me to pay. The amount was reversed but now I have been asked to pay.
Product: Credit reporting or other personal consumer reports

I have disputed an unknown account that appeared from MIDLAND CREDIT MANAGEMENT for {$1100.00} as lacking permissible purpose and being unverified. I contacted the company and have been unable to get them to verify that they possess any evidence of permissible purpose, authorization or verification of the account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX and list of Inquiries. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Bank account or service

I had a target debit card payment go through that overdrew my account {$.00} - XXXX XXXX CENTS and they RETURNED the payment to XXXX and slapped me with a {$35.00} fee. I will also now get a {$30.00} fee XXXX. Their overdraft policy CLEARLY states if your account overdraws less than {$5.00} there will not be a fee. Not only did I get the fee they returned the payment entirely. This is insanity! I am now paying {$65.00} for a {$0.00} mistake.
Product: Credit reporting or other personal consumer reports

I am writing to demand that you immediately remove inaccurate information from my credit report. It has come to my attention that my credit report contains fraudulent information that I have no relationship to. This is unacceptable and I demand that you take immediate action to rectify this issue. Please remove the following items : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX. Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, VA XXXX- This address doesnt belong to me. Remove this inaccurate information immediately from my credit report! 

XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX  XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX  XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive noticed some unauthorized inquiries and 1 unauthorized account on my report. I am wiring to delete the following information in my file. The items i need deleted are listed in the report as well as this persoanl statement. I am a victim of idenity theft and according to the fair credit reporting act legally thrsd unverified unauthrized items must be REMOVED! first is the XXXX XXXX XXXX account XXXX next are the following inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Student loan

On XX/XX/year>, I received a letter from MOHELA stating I would be placed on administrative forbearance due to the SAVE plan lawsuit. This letter stated that my loans would be set at 0 % interest. Additionally, my Loan Details page indicates that all of my loans are at 0 % interest. On XX/XX/year>, I received another letter from MOHELA stating that my loans were accruing interest, despite still being in forbearance, and that they would continue to accrue interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mansions of XXXX XXXX XXXX XXXX XXXX placed the exact same bill with two different collection agencies causing two bad reporting remarks on the credit bureau. I have spoken with XXXX/ XXXX XXXX management on many occasions who states they will correct the problem. The accounts are still placed with two separate agencies. I have requested for Trans Union to  investigate and remove double marking for the same bill and nothing gets done. This has been an issue for almost 2 years now. I am trying to purchase a home and will pay the past due amount but can not pay twice. This should be a credit reporting violation and no one is assisting with resolving the matter.