23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Since XX/XX/XXXX, over-payment of escrow account, where M & T Bank   refused to credit mortgage account and pay down principal as requested numerous times over the phone. Only attaching a note on my bill, " ... Our records indicate that M & T has sent you a refund check that you have not cashed yet. Check # XXXX, dated, XX/XX/XXXX in the amount of {$220.00} ... '' ; and I just read this, on or about XX/XX/XXXXas I recall, I spoke with someone in XX/XX/XXXX, where they told me they applied this to my principal per a phone conversation back where I exclaimed, this should have been done back in XX/XX/XXXX, and the customer service representative said it was! Again speaking in another phone call in XX/XX/XXXX where M & T, stated over the phone, they had applied the over-payment to principal, yet here it is XX/XX/XXXX -- and the above message has not been removed from my monthly bills. Has monies been wrongfully misplaced on purpose? How many more customers had their overpayments not cashed and given the option to have credit to escrow/principal paid instead? Is this a violation of the FHA/HUD Rules & Reg.? Someone was lied to, and can be backed-up to that effect, including any mishandling of funds, as the amount of mortgage payment should be less than {$1500.00} per month .... Please enforce the correct payment amount, as anyone who studies math, knows numbers do not lie. Escrow is knowable, especially since the numbers for the year XX/XX/XXXX were released and M & T did nothing to correct monthly payment amounts. The false amount placed in escrow by M & T is fraud. Including since they're raising the monthly payment amount they state I am short in the escrow, which is less than the amount they still owe in back principal. The shortage amount for XX/XX/XXXX, was about $ 170+/-, and where M & T raised monthly payment amount this year. Please slap them with a fine per the rules, credit my account back principal, and re-calculate actual payment amount as ESCROW TAX AMOUNTS HAVE BEEN RELEASED FOR THE XX/XX/XXXX-XX/XX/XXXX, and is knowable down to the XXXX, where I should be paying less than $ 1500/month ; M & T is charging, {$1500.00} -- which is more than previous year, and where if principal had been credited as they said they did, what would that amount be today? Per the XX/XX/XXXX bill  amount was {$1500.00}, and where they did not credit the $ XXXXwhich would have been a reduced payment amount. Please credit from XX/XX/XXXX and using the TVM~Time Value of Money equations, recalculate new principal amount with above applied credit and supply a new escrow to establish the correct payment amount due for per month for the year XX/XX/XXXX. Not withstanding anything less than a fine, and a credit of interest per both federal and California State Laws for wrongful mishandling of escrow balances and defrauding monthly payment amounts.
Product: Student loan

I am a XXXX year old and graduated from college is XX/XX/2014. I have been using Sallie Mae which then switched to Navient for my private loans to help pay for school. I had to apply with a co-signer ( my grandfather ) because there was no other way to apply for the loan with out him. Obviously wanting to obtain a college degree, I did anything i could to apply for my student loans. Since graduating college i used a few forbearances to get myself on my feet and start coming up with the money to begin paying my student loans back. They were upwards of XXXX $ total. The monthly payments they were expecting were not feasible for myself at the time. I eventually discussed payment options later that year and was able to receive income based payment plans which started under 300 . I was easily able to pay that and continue living a normal life with some extra money for living expenses. Then my Income Based Payment plans expired and they called to say my monthly payments would increase. I applied again for payment plan and we agreed on around 400 $ and then they increased again to around {$420.00} a month. These conversations for filled with emotion, obviously, because at this point they are taking every little bit of money Ive been saving and draining my accounts because of my monthly payments. The time came last month when i had to renew my payment plan and i was denied because i was able to obtain new money which Im not sure where this new money has come from because i havent gotten a raise. I make XXXX a month after taxes.. i pay over 800 $ in bills to live. Navient is now asking me to pay XXXX $ a month. I dont even have that in my account. They gave me the option to pay XXXX a month. I accepted it, trying to figure a way to scrape by each month. But it was denied. Now i have no way to pay my monthly that they are expecting without a decent payment plan. If they take the money out of my account i will have a negative account. What do i do? Stop paying my loans and go into delinquency? Ive paid my monthly on time and in full for the past 3 years or so. Ive never missed a payment. Im having a very hard time trying to understand why Navient will not work with me and help me out. Thank you. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

on or around XX/XX/2024 I Received a phone call from a gentlemen purporting to be from XXXX XXXX  and requisition that I immediately pay him XXXXto avoid legal action.The initial alert was the mentioning of XXXX XXXX  at which time I do not have, no hav I ver had. an account in that name. I am a victim of Identity theft.So I looked up the detalis and soon realizes I was a victim of Identity theft, I reported the account to the account furnisher with respect to All I then began looking iinto all of the other accounts that were openXXXX XXXX being paid on time. It seemed strange soand as if It had to be someone close o me,. Im requesting that under USC! % 605 B these fraudulent account be removed from my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX am submitting this complaint on MY OWN BEHALF. This is not a third party company. I authorize Equifax to continue their investigation and response to this complaint. I called Equifax today and also submitted disputes for 14 items listed on my report that are inaccurate. The dispute confirmation number is XXXX. The disputed items have not been properly investigated pursuant to the FCRA. There was and have not been ANY interviews conducted pursuant to the FCRA in items sent to companies for response via the XXXX system Equifax is reporting information on my consumer report that I neither consented to nor authorized and that is a violation of my right to privacy pursuant to 15 U.S. Code 1681a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. To further, Equifax you are in violation of the following laws. 
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681a ( 4 ) - ( a ) Accuracy and fairness of credit reporting. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 U.S. Code 1681a ( 2 ) ( b ) ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( 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 ; The 14 items listed on my reports have been disputed and I am demanding they be removed. 
Having a consumer report and items listed on this report is a defamation of my character and the reporting of these items are not benefiting the consumer as the consumers credit was extended as the original creditor in all consumer credit transactions. 

I XXXX XXXX XXXX never gave Equifax any written consent to report ANYTHING to my consumer report. Consent was not given to have my personal identifying information which is identity theft per 12 CFR 1022.3h. Additionally I did not consent to a FICO score and there is no law that states a consumer must have one. I demand this erroneous score be lifted to the highest numerical value of XXXX as the natural person only operates in credit and not alleged debt. 
With my consumer rights being violated I am expecting monetary compensation in the amount of {$14000.00}. {$1000.00} per inaccurate item listed on my Equifax consumer report as pursuant to the FCRA
Product: Debt collection

The debt was paid in 2014 but continues to show as being owed on my credit report
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : XXXX XXXX XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of bogus addresses. 

These addresses were used to open accounts in my name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are the accounts in my name that stems from the identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I have been in XXXX XXXX XXXX XXXXXXXX the last 7 years. My Family has been handling my affairs. XXXX XXXX XXXX XXXX XXXX The only address I have legally used is XXXX XXXX XXXX, XXXX, GA XXXX. I am homeless at this point. With this FTC Identity Theft Affidavit, I am reporting several distinct false accounts that I do not recognize as stated and that are the outcome of identity theft and fraud that are showing up on my consumer FICO credit report.

A copy of an FTC report listing the Accounts opened in my name is enclosed. My consumer FICO credit report now contains fake addresses as a result of these accounts. A copy of your consumer FICO credit report, which includes the aforementioned bogus addresses. The aforementioned accounts and addresses, as reported, are unfamiliar to me. The Accounts and Addresses listed above is the product of fraud and identity theft. I've included a copy of the FTC Identity Theft Criminal Complaints # XXXX as official documentation from the US Federal Trade Commission demonstrating that the Accounts and Addresses listed above are all the product of fraud and identity theft. Also enclosed is a Police Report from XXXX Police Dept documenting these fraud accounts and addresses.
Product: Checking or savings account

Hi, I signed up for an M & T My Choice Premium Checking account promotion for holding a {$100000.00} average statement balance in the months of XXXX and XXXX to receive {$350.00} on XX/XX/XXXX and have yet to receive the {$350.00}. I reached out two times and called the support line numerous times. 

I finally got an answer from an agent that said that I was not eligible for the bonus because it was not transferrable, however, nowhere in the terms did it state that it was non-transferrable. Also, they claim that the promotion was expired, however, the promo expired on XX/XX/2022, per my record and I had applied ( and been approved ) on XX/XX/2022. 

XXXX attachment on this file shows the " current offer '' which is to open by XX/XX/XXXX and maintain the balance in XXXX and XXXX for a payout on XX/XX/XXXX. My offer was open by end of XXXX, maintain in XXXX and XXXX, with a payout on XX/XX/XXXX. 

The second attachment shows that I fulfilled the {$10000.00} balance prior to the end of XXXX. I can supply XXXX and XXXX statements of me maintaining the balance if necessary. 

My account number : XXXX Name : XXXX XXXX XXXX, XXXX XXXX
Product: Credit card or prepaid card

We are not able to have our payment applied so that we can continue to use our card for food and gas. I cant understand why the payment is considered large when its less than {$4000.00}
Product: Prepaid card

XX/XX/year> I sent XXXX {$480.00} on cash app regarding a deposit for an apartment. He scammed me and never helped me. I did report him and tried to get my refund back but cash app couldn't do anything further which is very disappointing. Hoping this time around I can get some better help
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) Experian 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, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX Date Open XX/XX/XXXX Balance {$0.00} and XXXX XXXX XXXX XXXXXXXX. XXXX Date Opened : XX/XX/XXXX XXXX {$0.00}.
Product: Mortgage

Ditech Financial LLC is servicing my mortgage. since XX/XX/2016, my monthly mortgage payment has not been properly issued by Ditech. due to this abnormal action by Ditech, my mortage was past due XXXX times already. I had to call their customer service to ask for correction. despite their promise, the issue has not been resolved. XXXX today ( XXXX/XXXX/2016 ), I just have received a call from a Collection agency, accusing me my mortgage is past due! It 's impossible since I paid full amount ( see the attached payment record from XXXX XXXX XXXX ). I asked the person from the collection agency to transfer the call to Ditech customer service. Ditech customer service person first accused me my mortgage is past due, then, I educated the person to see my payment history. It was totally messed up. please see the below my recent payment history ( also attached ). note that this is not the true payment history of mine and that the Ditech has already modified it. Although the Ditech customer service person said they will be going to review/correct this and update me about it, I am not convinced of it since they already failed the same issue three times in the past three month of billing cycles! 

Date Description Amount Current Principal Balance XX/XX/2016 Reallocation {$810.00} {$100000.00} XX/XX/2016 Payments {$1700.00} {$100000.00} XX/XX/2016 Payments {$0.00} {$100000.00} XX/XX/2016 Payments {$83.00} {$100000.00} XX/XX/2016 Payments {$1600.00} {$100000.00} XX/XX/2016 Payments {$780.00} {$100000.00}
Product: Money transfer, virtual currency, or money service

ON XX/XX/2023, bank of America has closed my bank account. I still had XXXX $ remaining inside the bank account that has not been returned to me after they closed my account. They told me they were going to do investigation to decide whether my money was obtained through fraudulent activity. I complied with this investigation and send them documents of my money source, my XXXX transaction records, my currency exchange details with the third party who send me money. 

This investigation lasted for 3 months, until XX/XX/2023, today, Bank of America send me an email, said they found my money were obtained through fraudulent activity and they refused to return me my money. In this email, they did not said how did they reach this decision, and how are they going to deal with this XXXX $ if they are not going to return it back to me. And if they determined this is fraud, who was the person XXXX fraud? Who is the victim? I ask these question because I know it is not a fraud and I can provide them documentations to prove that, but I don't know whether they considered it or not. 

In fact, it was money send through wire transfer from my parents in XXXX, in XXXX currency. I was exchanging this currency with another student I knew from school. And each time I send him XXXX currency, he XXXX  me dollars through online banking. We went on multiple transactions back and forth like that and the total amount is about approximately {$10000.00}. I don't know how can this activity be decided as fraudulent and I need that money from my parents to support my own life as an international student. 

They are looking like they just going to take money from my bank account using their authority.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash XXXX  ( Block , Inc. ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically, cash app failed to timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute and resolution process was unfair and deceptive, as they did not comply with error resolution requirements under Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit card

RE : Elan Financial Services Cardmember Services XXXX. XXXX XXXX XXXX, ND XXXX I had the worst possible experience with Elan Financial Services. I needed to exceed my credit limit this one statement cycle, because an immediate payment was necessary to a travel agency for a trip booked within less than 90 days. 
Elan rejected it, because it caused my credit limit to be exceeded. 
Understood. 
However .... 
After spending hours, almost the entire day of XXXX XXXX, 2016 back and forth on the phone with them being given false promises, complying with their every demand and going out of my way to accommodate their unreasonable requests ( like faxing the last two years of our taxes ), they still did not allow a credit card payment to go through. I even gave them the routing number and account number of my online savings and offered to pay what was already posted for that month + what the new charge would be - immediately, before the new charge even posted. 
They would n't even allow me to do that! 
I had no recourse. Furthermore, I was strong-armed into applying for a permanent credit line increase, which I neither need nor do I want. They were, in essence, messing with me. 
BTW, I have never carried a balance in my life and I 'm XXXX years old. Our credit rating is exemplary. 
So, I 'm having a hard time letting this rest. My first question to legal counsel here was about whether Elan Financial Services had the right to require faxing of my tax forms. He said that he had never heard of that, but that a credit card servicing organization is, technically, a creditor, so maybe they do have that right. In regards to your question below, I neither hired an attorney nor filed legal action - yet. I paid for counsel and my lawyer advised me to file a report with the CFPB. 
I posted the payment to another credit card before day 's end, but that lost me points in cash-back, hence the {$110.00} that I am claiming as damages. That 's all I 'm claiming ; however, further damages are to my XXXX score because of an unnecessary hard pull, which has no intrinsic value attached to it, I guess, but the cost in terms of my time and aggravation is over the top. 
I ca n't even begin to describe how rude and disrespectful they were to me. 
Thanks for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I recently contacted Experian, there is a bankruptcy and wrong name on my credit report. 

I DO NOT HAVE A BANKRUPTCY AND MY NAME IS NOT XXXX XXXX
Product: Mortgage

PNC will not allow me to make my XXXX payment, either through processing the auto draft that they have been using for the past months since they took over from BBVA, or by any other means. Customer service can not explain why. My account shows a payment due currently and there is literally no way for me to pay it. There is no eta on when I will be able to pay my mortgage.
Product: Student loan

Initial loans of 1996 placed in forbearance while I was in XXXX XXXX at XXXX XXXX, the XXXX XXXX XXXX, and XXXX  XXXX University. I have all my documents.
Product: Debt collection

I sent a validation letter on XX/XX/2020 and mailed it certified. I tracked the letter and noticed that Credence received it on XX/XX/2020. On XX/XX/2020 I realized I had not received a response so I called to request removal of this negative remark on all three of my credit reports. The request was based on the Fair Credit Reporting Act, which says companies have 30 days to investigate disputes and if they can not verify the information within the 30 day time frame, they must delete all of the disputed accounts from my report.