23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I purchased my home in XX/XX/XXXX where Nationstar became my service provider, now Mr. Cooper with the name change. There was a payment of {$4600.00} for the XX/XX/XXXX property taxes from my escrow account when in the closing costs, that was to be paid for by the seller. This caused for a shortage in my escrow when the Escrow Disclosure provided at closings have me at a surplus, especially since my taxes in XX/XX/XXXX went down to {$4100.00}. According to XXXX County records, they received the payment for the XX/XX/XXXX taxes from XXXX ( the sellers lender ) on XX/XX/XXXX. There were some transfers between the County, Nationstar, and XXXX in XX/XX/XXXX, then Nationstar paid the county {$4600.00} on XX/XX/XXXX resulting on an overpayment. There were more transfers between the 3 parties with the final transfer on XX/XX/XXXX. XXXX was eventually refunded the overpayment because it looks like Nationstar did not accept or appropriate those funds to my account when they should not have made the payment to begin. Based on closing documents and loan termsNationstar should not have paid those XX/XX/XXXX taxes. I believe that I am entitled to a refund of funds in my escrow account, and I have not received them. I placed multiple phone calls to Mr. Cooper and XXXX XXXX, a manager based in Texas, said she was going to provide that refund by contacting XXXX in a conversation I had with her on XX/XX/XXXX at approximately at XXXX XXXX ( CT ). I called on XX/XX/XXXX to for an update on that only to have the customer representative, XXXX XXXX also based in Texas, that they did not follow up with XXXX. Instead, XXXX XXXX just put in a request for more " investigative research ''. A new escrow analysis is required after correcting the escrow accounting error since my property taxes went down from {$4600.00} in XX/XX/XXXX to {$4100.00} in XX/XX/XXXX, while my mortgage payment increased by almost {$400.00}. It makes no sense that my payment increased while my taxes went down. Every time I call I get the same answer from Nationstar ( Mr. Cooper ), that I should contact XXXX for the refund. I have done that and the response from XXXX is that they can not give me information about that property because the loan was not under my name, it was under the seller 's. XXXX did say they are more than willing to talk to Nationstar ( Mr. Cooper ) about those funds and when I tell Nationstar 's ( Mr. Cooper ) representatives, they say that they can not contact PennyMac, so it's a revolving door of not getting the answers or any action on my case.
Product: Credit reporting

Credit Bureau failed to comply with my FCRA section 609 ( a ) ( 1 ) request by not providing the requested information. I sent a letter clearly outlining my request with appropriate proof of identification and payment for consumer disclosure ( please see attached ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, In accordance with the Fair Credit Reporting act XXXX Account # 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 card

XXXX  is reporting in formation incorrectly on my credit report with all XXXX credit company XXXX XXXX and XXXX I sent in ftc report police report even to them they also I called a redisputed the information with the credit company when I have a deletion letter but still validating the debt.
Product: Debt collection

I had an account with Wells Fargo back in XXXX. It went to collections and I paid them off in XXXX for $ XXXX. Now I am getting calls from XXXX ( XXXX XXXX XXXX stating I owe them over {$3000.00}. They are also calling my mom, brother and husband. I searched the number and it is pulling up scam and fraud. They told me they never received my payment and they have sent me two letters about this. I have never received those letters where I reside now. They are stating I am going to have to go to court to dispute this info. They also asked me to call them back at XXXX ( XXXX ) XXXX.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : Action revenue recovery # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my Transunion credit report on XX/XX/XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Consumer Loan

BBVA bank is not allowing consumers to leverage the online payment tool in order to accumulate additional interest payments. I have been unsuccessful in submitting online payments on our prior to my due date. When this had happened I called to attempt to pay online and was told the check by phone fee could not be waived. I expressed I was unable to make the payment online but was still declined the fee waiver. Once the payment was delinquent a collector called indicating she would waive the fee and they wo n't do it when you are current. I told the agent it made no sense and that I would make the payment online. The agent stated a lot of people ca n't pay online. I recently tried to make a payment on my due date and 5 days after to no avail. However now that the payment is almost two weeks late I can play using the BBVA online payment option. I feel this is done purposely for those of us with simple interest loans. Please help me and others that are having this experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX {$14000.00} also XXXX XXXX XXXX {$18000.00} also XXXX XXXX XXXX {$16000.00}, 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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXXXXXX XXXX  XXXX Balance : {$600.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX  XXXX Balance : {$4500.00} XXXX XXXX Balance : {$390.00} XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXXXXXX Balance : {$660.00} XXXXXXXX XXXXXXXX XXXX XXXXXXXX Balance : {$800.00} XXXX XXXX XXXX Balance : {$73.00} XXXXXXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XX/XX/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 Balance : {$860.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX XXXX XXXX {$660.00}
Product: Credit reporting or other personal consumer reports

There are inquires on my credit report that are unathorized and may be fraud related. Please delete them, as I did not give any of these companies permission to pull my report nor did I give Experian, XXXX or XXXX permission to report these. 

You are not permitted under law to provide or publish my information without my consent 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I've also filed a FTC Identity theft report, to report this behavior to the proper authorities.

12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority. 

List of unauthorized hard inquires : XXXX XXXX  Inquiry date XX/XX/2023 XXXX XXXX XXXX XXXX Inquiry date XX/XX/2023 XXXX XXXX XXXX Inquiry date XX/XX/2023 XXXX Inquiry date XX/XX/2023 XXXX XXXX XXXX Inquiry date XX/XX/2023 XXXX XXXX XXXX Inquiry date XX/XX/2023 XXXX XXXX Inquiry date XX/XX/2023 XXXX XXXX XXXX Inquiry date XX/XX/2023 XXXX XXXX XXXX XXXX Inquiry date XX/XX/2023 Thank you,
Product: Checking or savings account

On XXXX XXXX, 2020 and XXXX XXXX, 2020. {$100.00} was withdrawn from my checking account using an ATM card no longer in my possession and has not been used in over 6 months. I reported this to Wells Fargo and my claim was denied stating that they found the transactions were made by me or someone I gave permission to, Neither of these are true. I escalated the claim to the Executive office and was basically denied for the same reason. The money was taking out of my sons savings account. I have no idea how someone was able to do this and I refuse to just give away {$200.00}. I read that I should only be liable for {$50.00} if reported timely please confirm this to be true or not.
Product: Debt collection

This should not be in my credit report. This collection agency reported this to the  XXXX  credit bureaus and they should not be in my credit report and I do not owe  Pioneer Capital Solution anything I want them provide me of contract a sign with th em.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX  # XXXX XX/XX/XXXX -- {$2300.00} XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX XXXX {$24000.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX {$460.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$93.00} XXXX  # XXXX XX/XX/XXXX -- {$460.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

With inflation of groceries and people not fixing their cars and my boss added my service advisor. My commission check is smaller than usually and keeps getting smaller hopefully with the new year it will get better. This has been going on since XXXX of this year. And I am they only one working
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 XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 seven 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: Credit reporting or other personal consumer reports

I have received a notification that my dispute with XXXX will not be resolved possibly until 60 days! Please show me where that is timely, because it is not! In previous reports filed you can clearly see that XXXX XXXX  is stating they are trying to collect a debt from me but is reporting it as charged off on my consumer report. Excuse me but it can not be both. You are either trying to collect a debt or charge off a debt. One of two things are happening, either lies are being told directly to my face or lies are being reported on my consumer report?? I am asking for fair credit reporting and not information that is misleading in plain view. This is all a violation of my rights per FCRA, 611 ( 15 U.S.C. 1681i ). Section 623 ( b ) of the FCRA says you must notify the provider of my dispute, and if any items are inaccurate, misleading, outdated, incomplete, can not be verified or validated is unfair reporting. I kindly ask that you remove this item from my consumer report!
Product: Checking or savings account

I was given a provisional credit for a dispute. They approved l ( I won ) the dispute but took back my provisional credit claiming the merchant provided a refund. The merchant did provide a refund yes, but it was recharged. Basically what I think happened was that the original payment didn't go through and was refunded and then charged again and did go through. They said that since they save this refund that they took back the credit. Now not only did I have to pay twice for a transaction I didn't even make in the place but I also was overdrafted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX, and XXXX have not bother to investigate thoroughly! If they did, they will know that this happened without my consent, in a totally different state that Ive never visited, by people that I do not even know! 

The police dont want me to keep coming in to file police reports, because Ive already filed one, and they said identity theft happens very often. 

Please assist me with regulating XXXX, XXXX XXXX, and XXXX, to correct these issues,. 
Because these accounts do not belong to me!
Product: Checking or savings account

On   XXXX   XXXX   XXXX  , I 've received a letter from  Social Security Administration  that I was not eligible for my  SSI  monthly check, because between    XXXX   XXXX    to    XXXX   XXXX    I have had more than {$2000.00} in my  JPMorgan Chase Ba nk account, allegedly.  ( Docs attached ).      Turns out, that only on    XXXX   XXXX   XXXX    I became a co-owner of my husband  XXXX  's account, number  XXXX . Then on    XXXX   XXXX   XXXX   , I signed my name out and  XXXX  returned to be the sole owner on that account.     I called Chase Bank a few days ago, twice, an d two differe nt customer service reps have run my SSN through the system and found out that I have had no history whatsoever with Chase Bank! Which is strange because I did have a joint bank account with  XXXX  between  XX/XX/XXXX  and  XX/XX/XXXX ! Nonetheless, it makes the case even stranger based on  Social Security Administration  claiming that I used to have thousands of dollars in my so-called Chase Bank account. If so, what happened to all my money??     M y SSN  is  XXXX   XXXX   XXXX  by the way.
Product: Credit card or prepaid card

I just received my credit report and noticed unauthorized accounts that shouldnt be reporting on my credit profile. This has been a rough time during this pandemic times
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unverified accounts listed on my credit reports I had previously disputed this account. I have never done business with these companies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that I be provided verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request a Cease and Desist of all further communications and collection activities and provide the verification of the purported debt for the following : 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: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and discovered a lot of billing errors. mistakes in billing under U.S. 15. Code 1666 ( b ) the creditor 's failure to appropriately reflect a statement, a payments made by the debtor, or a credit extended to the debtor. a computation error or other accounting mistake made by the creditor on a statement. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor didn't send me a statement 21 days beforehand. I demand to see specific documentation from the creditor 's bank accounts proving that I failed to pay and were considered past due because these are obviously billing errors. Below are the list of the disputed accounts. 
XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$36000.00} XXXX XXXX XXXX XXXX Balance Owed : {$64000.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$15000.00} XXXX XXXX XXXXXXXX Balance Owed : {$12000.00} XXXX XXXX XXXXXXXX Balance Owed : {$11000.00} XXXX XXXX  XXXX Balance Owed : {$26000.00}
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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: Checking or savings account

I ordered a dna test from XXXX and never received the product. It was in XXXX of 2023. They refuse to return my XXXX dollars and I can not get a live person any time I try to call my heritage. I requested an appeal from chime who did the appeal and still denied me my money. On top of this they refuse to let me see my account history and they changed my account totals after I had already printed out the statements. Someone changed them. They treat my phone calls as a joke and do not take me seriously
Product: Credit card or prepaid card

i have a complain on here like 6 mths ago bout dis company XXXX credit card and they agree to move the late payment and close my acct remove on XXXX  credit bureau but still is on my XXXX  report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without instructions, 15 USC 1666B : A cred payment on a XXXX XXXX open end XXXX XXXX XXXX. 
ran for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I received the following alert from XXXX For a Hard Credit Report Inquiry For a TD Bank Installment Loan or Bank Account. 

I have never had an account with this bank and have never applied for an account with this bank. TD Bank and XXXX  have been notified. And I need this Inquiry Taken off my Credit Report. 

A Police Report Regarding this Issue was filed with the XXXX XXXX  XXXX Police Department.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to Equifax 3 times regarding this matter and they still have not corrected the problem and this issue is affecting my credit. I am in the process of refinancing my current auto loan and it is not being approved because of a past auto loan that was paid in full since XXXX, but showing open with Equifax. Equifax is currently reporting this account as open and with a monthly payment of {$380.00} which is not accurate. I don't know what else to do and I am very frustrated with this issue and need your help. I need Equifax to correct this issue as soon possible. I have attached copies that XXXX XXXX  provided showing the account has been closed with NO MONTHLY payment. Thanks.
Product: Money transfer, virtual currency, or money service

starting back on XX/XX/2023 to XX/XX/2023 I have been looking for ways to invest my money since I have hit a rough patch financially. I have reached out to multiple agencies on XXXX and XXXX to help me. I have invested a total of {$2500.00} of my money and I have been scammed by these individals. I have filed the following FTC, gov claims XXXX, XXXX, XXXX and XXXX I have also disputed them with my bank Chime it was denied since i used XXXX. I have reached out to the FDIC and they have sent this to Office of the Comptroller of the Currency XXXX XXXX # XXXX but this crimes can not contiue and more innocent people get the money stolen. the last company stated that they are from FEMA and were helping with rental assistance and I reached out to them for assistance and they scammed me out of {$940.00}.
Product: Credit reporting or other personal consumer reports

My information was involved in a breach and most if not all of the inquieries in my report should not be there. I received notification my information was in the breach offering me a {$100.00} settlement but I dont want settlement money I just want my credit report wiped clean.