23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Flagstar bank mistakenly paid the real estate taxes on my property even though the loan agreement clearly states that I would pay the taxes and that there was no escrow requirement for taxes or any other expense. 
I paid the real estate taxes on time. 
Flagstar is increasing my payment to cover the taxes they paid in error. This is 100 % their error, yet they want me to reimburse them for the taxes they paid in error, and which I also paid to the tax collector. 
I have spoken with them 3 times and the first two times was told this would be resolved. Today they called me and said this is the resolution, that I reimburse them via a payment increase for the taxes they paid and have not received back from the tax collector. 
They at this point are unwilling to do anything different. 
My request has always been and still is that they take this off of my account and that they seek a refund from the tax department. The tax department shows an overpayment and they have said they will gladly refund the money to Flagstar upon their request.
Product: Checking or savings account

I deposited an envelope into the mailbox at the corner of XXXX  and XXXX XXXX on XX/XX/2022 and it was addressed to attorney, XXXX XXXX at XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX. Enclosed was a check # XXXX for {$2000.00} for his services. I made sure the envelope was completely in the box and left. After a week, XXXX XXXX called to say the check had not arrived at his office. Since I valued his services, I offered to pay him via XXXX and did that on XX/XX/2022 for {$2000.00}. On XX/XX/2022, I saw in my Ally Bank account app that the check, XXXX, had cleared but for {$5600.00} in the name of XXXX XXXX. I immediately called Ally Bank to tell them that I had been defrauded. They told me they needed to initiate a fraud investigation and that I would need to close the current account. That day, they created a new checking account for me and told me it would take approximately 2 weeks to resolve the issue. A few days later, they froze both the defrauded account and the new account and will not give me any further details regarding whether they will pursue a criminal charge or if XXXX XXXX is a legitimate person or a pseudonym. Currently, I have not been reimbursed for the {$5600.00} and have over {$9000.00} in the checking account that is inaccessible - Ally will not give me further details about how long this will last, other than to say it may be 90 days.
Product: Checking or savings account

My Devit card was stolen and used to make a check deposit, which after it was deposited {$570.00} was wired to a number leaving my checking account in negative. I contact XXXX and I also contact XXXX XXXX support. XXXX reimbursed me due to it being fraud and I didnt authorize until today it was reversed and now theyre stating it was authorized which it wasnt taking away {$570.00} from my checking account again. I asked a chase representative XX/XX/year> if I should file a police report and they told me it wasnt necessary and everything should be good to go and now theyre arent coroporating.
Product: Credit card or prepaid card

My wife and I have a Chase XXXX XXXX credit card. We noticed in XX/XX/XXXX that a high number of XXXX transactions appeared on our credit card statement that we did not see in our XXXX account. After reconciling between our XXXX account and Chase statements, we realized that the fraudulent charges started in XX/XX/XXXX and ended at the beginning of XX/XX/XXXX. The fraudulent transactions totaled about {$3300.00}, representing many small transactions that appeared in low volume initially and then increased significantly from XXXX through XX/XX/XXXX. 

We called Chase and XXXX on XX/XX/XXXX as soon as we identified the fraudulent transactions. XXXX indicated that the order IDs I provided from the Chase statement were from an XXXX account using a XXXX email address, which we do not have. 

Chase investigated the charges and concluded in a letter dated XX/XX/XXXX that a portion were not mine ( {$1100.00} ) but the remainder I had " received benefit from. '' I called Chase about this on XX/XX/XXXX asking for the basis of those conclusions, as all of the charges I reported are fraudulent. The agent responded that this was a generic message included on the letters and she would re-open the investigation. She recommended that I send screen shots of my XXXX account purchases, which I did on that same day. The agent also asked that I have XXXX send a letter stating the the charges made to my account were not mine. I called XXXX and the agent promised this within 74 hours, but I never received anything. [ I followed up again with XXXX on XX/XX/XXXX with the same request and received a generic email that I forward to Chase. I also asked XXXX to provide more specifics on the transactions to Chase can investigate the issue appropriately. ] Subsequently, I received a letter dated XX/XX/XXXX indicating that Chase closed the case and that I was responsible for the remaining charges. 

Some of the transactions that Chase claims I received benefit from have been identified by XXXX as purchased under a different user name with a XXXX account. 

I do not believe that Chase conducted a through investigation. 

Moreover, I have asked XXXX three times ( on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) to provide me with information on transactions that were charged to my Chase XXXX account by this other XXXX user. XXXX has yet to provide this information, although it has said on three occasions that my request has been " referred to a specialist. '' XXXX and Chase are not working in good faith to resolve these fraudulent transactions on my account. I am now liable for about {$2100.00} because they had poor controls in place to identify fraudulent accounts and transactions not authorized by me. Moreover, Chase and XXXX are not working to share information to confirm that the charges I reported as fraudulent are indeed not my charges, even though they have a partnership with the Chase XXXX card. I hope CFPB can address this issue.
Product: Credit card or prepaid card

I paid my Old Navy Credit Card in full on XX/XX/2019. Normally, the payment only takes around 3-5 days to process. However, it has been 9 days and my payment is still processing. I contacted the company and was told that it could be another 5-6 days before the payment processes. I have never had this issue before and the company will not move forward with releasing my balance and allowing me to use my card. I have heard from several customers who have this card that once your remaining balance is paid in full, the company will cancel your account. This is unfair practice for those of use who can afford to pay off our accounts.
Product: Mortgage

As part of the process of refinancing my home mortgage, I had an appraisal done on XX/XX/2019. The appraisal came in at a value of {$360000.00}. On XX/XX/2019 I closed on the refinance through XXXX XXXX XXXX, and all of my copies of the applicable closing documents also show an appraised/original value of {$360000.00} from the XX/XX/2019 appraisal, and a date of XX/XX/2019 as the first date a LTV of 80 % would be reached according to the amortization tables and the earliest date at which PMI could be cancelled. On XX/XX/2019 servicing of my mortgage loan was transferred from XXXX XXXX XXXX to Wells Fargo. I contacted Wells Fargo ( several times now ) to cancel PMI now that my LTV is below 80 %, but they refuse and continue to charge for PMI. Wells Fargo claims ( without any substantiating evidence ) that the original value is {$350000.00} and that I need to pay down the principle further before I can request cancellation of PMI. This appears to be deliberate and willful deceit, fraud, and theft on the part of Wells Fargo. I have attached the appraisal, several scanned pages from my closing documents, and the latest letter of refusal from Wells Fargo to cancel PMI.
Product: Debt collection

AmSher Collection Services has furnished an inaccurate on my credit report and never contacted or provided me with any proof that I lawfully owe this alleged debt. I am imploring the CFPB to hold them accountable to delete this account because they never validated or verified this alleged debt in accordance with federal laws. I have attached my cease-and-desist letter which I sent them below. They received it on XX/XX/2021 and pursuant to federal law upon receipt this letter has immediate effect. AmSher Collection Services is therefore illegally communicating and sharing information about this alleged account with several credit reporting agencies. They do not have my consent to do this anymore and may not contact me directly ever as my cease-and-desist letter clarify.
Product: Mortgage

XXXX/XXXX/XXXX went to wells Fargo to refinance mortgage. loan officer submitted application charged a fee for an appraisal {$500.00}. They did not approve my loan based on the income of my grandmother because I was co signed on a property with her. They did request that I prove that I do not make the monthly mortgage payment by providing mortgage statements or bank statements. I provided the required documents and later found out that they would be declining the loan because they felt that my grandmothers income was n't sufficient enough to pay the monthly mortgage on the property. I did speak with there executive office and express that the mortgage refinance was strictly on my primary residence and that my grandmothers income had nothing to do with my loan. After a month long battle they still stuck with there decision to decline my loan based on the income of another individual not related to my loan at all and they would not refund my appraisal fee of {$500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Experian and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX has failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. I need the following inquiries to be removed from my file : XXXX XXXX XXXX  XX/XX/2023
Product: Checking or savings account

On XX/XX/year> without my authorization, your bank went into my account and pulled out {$330.00}. And they did this right before i get my XXXX XXXX from my job each week. This caused overdraft fees. 
I'm sorry but you just can't pull money out of my account without authorization. A letter, email, text, call explain before you do this is the proper way to do business. 

I would like the Over Draft Fees returned to me. 

Truist since the merger has been pulling and moving money from my accounts.
Product: Debt collection

The debt for XXXX was deleted off XXXX from Procollect. I have no knowledge of this medical bill. It needs to be deleted from all XXXX credit bureaus immediately.
Product: Mortgage

On XX/XX/2019 my husband and I signed a contract to close on a home on XX/XX/2019. We had been pre-approved by the lender ( SecurityNational Mortgage Co. ), signed and submitted all documentation needed to process our file, and made all payments to include : earnest money ( {$2400.00} ), appraisal fee ( {$620.00} ), option fee ( {$100.00} ), and home inspection fee ( {$320.00} ). On XX/XX/2019 at approximately XXXX XXXX, I received a text message from my loan officer stating " Hi XXXX- I am working on this but at this point your closing is going to be delayed. I am sorry to share the news, buy, I'm working hard to still get you to the finish line. Question : do either you or XXX have a family member that has a credit card that the two of you could be added as an authorized signers to in an effort to quickly generate a credit score for XXX ''. We were never told we were " denied '' what the cause of delayed closing was, and what are next steps were. We wasted over {$3500.00} of our money for this mess to happen and not only are we owed an explanation but we want our money back. I have all the emails and text messages that clearly state we are " good '', " on track '', " moving forward '' then a day before closing everything comes tumbling down and we are left in the dark. The loan office won't even give my realtor information as to what happened and why. I feel this could have all been prevented but the loan officer was on a weeks vacation the week of my closing and she did not properly handle her part.
Product: Vehicle loan or lease

On XX/XX/year> I went to look at a car from a dealer called Crown Auto Sales I have screen shots between me and the person telling me I was approved through a co-signer program and tricked into coming in. 

The reason that I was looking for inhouse is because I currently have an open auto loan that is in the process of it being paid off through a gap claim. 

When I get to Crown Auto Sales the salesman by the name of XXXX XXXX informs me Ive been approved for a loan and that the car that I have an open auto loan was included as a trade in or can be included as a taxwrite off I inform XXXX that the civic is indeed wrecked and XXXX still in communication with the insurance so it can be totaled out so it in fact was not a trade in and could not be included as XXXX. I voice my concerns and immediately start recording and voicing my concerns on video. He tells me on video that the civic wont be a problem and that it isnt included in the loan. 

I give him XXXX and I XXXX him an additional XXXX since XXXX informed that the whole downpayment must be put down or Id risk of loosing the application and my XXXX payment XXXX handed the keys to the car and I drive off the lot. Within driving the car out I notice that the ac isnt blowing cold anymore and the headlights didnt work either. I text him and let him know and he instructs me to bring the car back and leave it. When I go back to the shop I realize the gate is closed and no one left it open for me per the deal I just made with the salemam. So Im forced to take the car home in those conditions. 

The next day I call the bank and they inform me that the funds for the vehicle have yet to be dispersed and that theres a stipulation on my loan for the total loss on the open auto I have. I inform the bank that I do not have the total loss form yet as the car was still being processed so my loan was denied. I then voice my concerns again with the dealer and they inform me not to communicate with the bank as im not making my case any better by communicating with them and proceed to tell me that the deal is done and I have no choice but to keep the car until they find a bank to finance the loan which they never could. 


All this is occurring while Im having mechanical issues with the car, the sales man then passes me to the owner. The owner then tells me through texts from which I have screen shot to file as proof of this ordeal, that the car had a potential buyer and that if I returned the car to him that day he would refund me the money for my downpayment. 

This dealership has made threats against my life for opening a claim with XXXX XXXX concerning this I have video of the salesman and me informing him that the car was wrecked but was still being processed to make it a total loss. 

I have all the text messages between me and the dealer XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have credit inquiries that were made during the same day and I only allowed one per day. I only signed for one application. I need your help in deleting the unauthorized hard inquiries.
Product: Credit reporting or other personal consumer reports

I submitted proof of insurance XXXX XXXX, 2023 and at the time there was no forced insurance and mortgage payment did not change. The proof of insurance was received successfully. There was a payment made to insurance company and once the proof of insurance was received the payment was reimburse to XXXX XX/XX/XXXX. I submitted proof of insurances and XXXX received the money back from the insurance company but XXXX decided to place forced insurance in XXXX. I received multiple phone calls through out XXXX and XXXX regarding the balance. I explained to them that I did not have escrow account and that I submitted proof of insurance which was successfully received by the company. The agents that I spoke to gave me misinformation and were not aware of what was going on with the account. I have requested for the transcript to be reviewed and I emailed a letter requesting an investigation but I have yet to hear from the company. The emailed was sent XX/XX/XXXX. I asked one of the agents if it was being reported to the credit bureau the beginning of this year and the answer was no which was false. The last conversation ended with the agent telling me that there will be an escrow adjustment and that I will receive a check but I would have to forward that check to XXXX. I found out about the late payments when I was applying for a car loan. The previous car that I bought two years ago I had 5 % interest rate and this time was 13 % interest rate because of XXXX. Almost all the lenders declined the loan application.
Product: Debt collection

On XX/XX/2021 I went in person to XXXX XXXX XXXX XXXX and turned in my written notice to vacate in 60 days to leasing agent XXXX XXXX who accepted my written notice. The notice is uploded and XXXX XXXX even added to the explaination in his own handwriting " moving to XXXX ''. I was instructed on XX/XX/2021 by XXXX XXXX to leave they keys to the apartment in the drop box at the office as no one would be there to collect them on a holiday weekend. I vacated on XX/XX/2021 and I have a video of the apartment the day I moved out. In the fall of XXXX sent me a letter from their attorney stating i owed a few XXXX dollars for vacating without notice. I promptly called the attorney, I believe her name was XXXX XXXX and explained i had the proper documentation and the conversation i had with XXXX XXXX. She told me the company made a mistake and this matter would be taken care of. XXXXXXXX XXXX  has now wrongfully put me in collections AGAIN stating I did not provide proper notice to vacate 2 years later! I have attempted to contact them 3 separate times and the receptionist told me every time that no one was available to speak with me. She assured me someone will call back and no one has ever contacted me. XXXX XXXX has kept improper records resulting in possible damage to my credit. I have also included a dated screenshot from XXXX XXXX website from XX/XX/2021 with my apartment listed for rent in XXXX the XXXX of XXXX proving XXXX had notice I was leaving.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are in violation of 15 us. code 1681i. 

I am victim of identity theft and I have went through all the phases to report the fraud to credit, police, FTC, IRS and the credit bureaus. They did not show how they verified the fraud accounts and have yet to remove the accounts. The account with XXXX XXXX XXXX XXXX  is not mine and is fraud. I want this account deleted and removed.
Product: Debt collection

I do n't know who this company is but they have called me, my employer, former employers, and family members that I have n't spoken to in years as well as my ex husband. They claim that I owe for a payday loan of which I have repeatedly explained to them that I have never in my life taken out a payday loan. They refuse to mail anything showing me documentation. I went ahead and paid {$440.00} in XXXX after they promised to send me a letter showing that all claims against me were clear and I had a zero balance, hoping that the embarrassing calls would stop and now they have gotten worse. I have never received any letters or any documentation what so ever from these people. This company now claims that I have more debt that they refuse to disclose but I MUST pay immediately to avoid a warrant. I have never in my life done anything illegal and this company is scaring me as well as embarrassing me by calling everyone they can find that has ever had any type of contact with me. They refuse to provide an address for their company.
Product: Debt collection

ATTENTION TO XXXX XXXX XXXX! PLEASE READ AND UNDERSTAND THIS MESSAGE AND ITS ENTIRETY. I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$830.00} does not belong to me. This account was fraudulently opened through this company XXXX XXXX XXXX in XXXX of 2016 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Product: Student loan

I was having hardship in paying my loan off and was offered a forbearance option twice not really understanding that it would increase my loan even more. I do n't remember ever being given the option of and income driven based option. I would very much like to see if this would work better for me. I have a direct subsidized/unsubsidized XXXX loan. I graduated with a XXXX degree. I saw on the federal website that the interest rates for undergraduates should be about 3.7 % and unsubsidized graduates should be about 5.31 %. I am not understanding why my interest rate is about 6.9 % for unsubsidized direct XXXX loan. Is this due to the forbearances? Just need clearer understanding of what is going on. I am not a XXXX student and have no desire to get a XXXX degree.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, and I have rights under 15 USC 1681.

- Equifax is governed by 15 USC 1681, and they have violated my rights numerous of times. I demand the accounts listed below be removed because - According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Account : XXXX XXXX XXXX  Account # : XXXX Account : XXXX XXXX XXXX  Account # : XXXX