23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This is my XXXX complaint for BSI Financial. Per my previous complaint BSI stated my hazard insurance was n't supposed to be in escrow. They corrected that with my previous complaint, and now my hazard insurance and taxes are now in escrow. They are now charging me a monthly escrow amount of {$120.00} for my tax and insurance which is understandable, however they are also charging me a additional monthly shortage of {$190.00}. When I called into BSI Financial I was advised by XXXX XXXX that it is a " cushion ''. I would like to know why I am being charged an additional {$2300.00} as a " cushion '' for my taxes and and hazard insurance when my and taxes and hazard insurance only total {$1500.00} for the year.
Product: Debt collection

XXXX is reporting a collection account to XXXX that is not my account. The account is for someone unrelated to me but has the same last name. I have been trying for years to get them to remove it without any help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I recently got approved for an automobile via XXXX XXXX XXXX XXXX. There are other credit inquiries on my report and I do not approve of. To my understanding no company can report any thing to harm your credit and Ive been accepted for the loan which means it should not impact me in a negative way considering the fact I got approved. Also there are other times my credit was ran for a vehicle around the same time I need all inquiries to come off expeditiously, thank you.
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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX XXXX XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX KS XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX UT XXXX ( 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 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: Mortgage

MIS-APPLICATION OF BORROWERS LOAN PAYMENTS BY WELLS FARGO TO PAY FOR LEGAL FEES-LOAN ACCT. # : WELLS FARGO LOAN ACCOUNT # XXXXXXXX XXXX XXXX ACCT. # XXXX. 

I wish to request that the amount misapplied by Wells Fargo wrongly towards legal fees and expenses disbursements contrary to the compliance requirements of the Real Estate Settlement Procedures ( RESPA ) and its implementing regulation, Regulation X. This also constitutes violations of the Consumer financial Protection Act of XXXX. 
These monies meant for the purpose of principal payments, interest and escrow ( taxes etc. ) payments were not applied ; accordingly, rather used to settle legal fees without any disclosure ( s ) to the borrower at any time.

Wells Fargo had accepted that only the sums of {$3400.00} and {$3400.00} was applied from the loan accounts for legal fees/costs and foreclosure costs respectively ( see Exhibits 1 and 2 attached ). Howbeit, the loan account activity statement provided by Wells Fargo specifically for years XXXX and XXXX, clearly confirms that {$22000.00} was misapplied for legal fees and disbursements ( see Exhibits A and B attached ). 
The New York State Laws states that not more than {$600.00} should be expended to recover any debts from the borrowers loan account ( See Exhibits C attached ) In XXXX, the borrower requested that the unutilized balances in the borrowers loan account including the excess legal fees be credited and applied to the loan principal account which was then in arrears of two-months in the sum of {$8600.00}, to fulfil the requirements of the XX/XX/XXXX modification agreement with XXXX XXXXWells Fargo for the forgiveness of the deferred 2nd principal amount of {$140000.00} conditioned on the borrower not being in arrears of 3 months mortgage payments at any time ( Exhibits 4 and 7 attached ) Wells Fargo did not resolve my concerns nor honor my request; but instead, immediately : 1 ) Cancelled the loan forgiveness of {$140000.00} stating the borrower had violated the terms of the modification agreement and 2 ) Transferred the servicing of the loan to a new servicer, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

INDY MAC WAS MY LOAN SERVICING COMPANY FROM THE DAY I ORGANICALLY BOUGHT MY HOME BACK IN XXXX OF XXXX I HAD SIGHED TO BE IN A 3 YEAR ARM AT XXXX INTEREST RATE AT THE END OF THE THREE YEARS THEY HAD ME SIGN PAPER WORK TO GO ON A FIXED RATE OF XXXX XXXX I WAS INVOLVED IN AN ACCIDENT THAT RESULTED XXXX AND I WAS UNABLE TO WORK FOR THE PAST 4 YEARS THAT CAUSED ME TO FALL BEHIND IN MY PAYMENTS, TIRING HARD NOT TO DEFAULT IN MY MORTGAGE SINCE I HAVE XXXX MINOR CHILDREN SO I REQUESTED A MODIFICATION INDY MAC PUT ME ON A 3 MONTH TRIAL PERIOD STARTING XXXX XXXX IN THE TRIAL PERIOD INDY MAC TRANSFERRED MY LOAN AND PAYMENTS I MADE TO OCWEN. 
OCWEN CASHED MY CHECKS FOR THE NEXT XXXX PAYMENTS BUT NEVER SHOWED ANY CREDITS TOR WARS MY ACCOUNT. 
I HAVE CONTACTED THEM ABOUT THIS ISSUE A NUMEROUS TIMES THEY AVOID MY QUESTIONS AND ASK ME TO REFINANCE EVEN THOUGH THEY KNOW I AM UNEMPLOYED JUST SO THEY CAN COVER UP THE MONEY THEY TAKEN THAT THEY CAN NOT ACCOUNT FOR WHICH IS ABOUT $ XXXX.ADDED XXXX MORE YEARS ON THE LIFE OF MY LOAN I HAD MADE PAYMENT FOR 10 YEARS WITH NO DEFAULT I WAS DOWN TO 20 YEARS LEFT ON THE LIFE OF MY LOAN NOW I AM AT A 40 YEAR LOAN MAKING MY OUTSTANDING LOAN AMOUNT SIGNIFICANTLY LARGER THAN MY OUTSTANDING BALANCE AND NOT SHOWING ME WHAT THEY DID WITH THE XXXX PAYMENTS OF {$2.00} BUT REPORTING TO THE CREDIT BURIALS ABOUT LATE PAYMENT WHICH ARE FALSE SENDING ME A FALSE TAX RETURN THAT SHOW NO PAYMENTS MADE XXXX AND HALF OF XXXX. AND SHOWING THAT I AM BEHIND ON MY ESCROWS. PLEASE LET ME KNOW WHAT I CAN DO. 
THANK YOUXXXX XXXXPLEASE
Product: Checking or savings account

funds have been taking from my account from transactions I did not make to the best of my knowledge from XXXX and CHASE banks to XXXX XXXX and when I made these companies aware of these actions they did not respond in a proper manner
Product: Credit reporting or other personal consumer reports

After recently applying for a home mortgage, I have discovered that certain accounts and inquiries on my credit report are significantly hindering my ability to secure the mortgage. Despite my best efforts to resolve these issues directly with the reporting agencies, I feel that my rights as a consumer have been infringed upon. 

I understand that XXXX, XXXX, and Experian are the primary credit reporting agencies responsible for compiling and reporting my credit history. However, I am disputing the accuracy and legitimacy of the accounts and inquiries listed on my credit report, which I believe are either erroneous or the result of fraudulent activity.

Given the urgency of my home mortgage application, I request that these accounts and inquiries be removed from my credit report within 4 business days. The continued presence of these items on my credit report is directly impacting my ability to secure the mortgage and constitutes a violation of my right to fair credit reporting.

I kindly request that the FTC investigate this matter and take appropriate action to ensure my consumer rights are upheld.
Product: Checking or savings account

I have been banking with Chime at the start of XXXX. Ever since then I had not ran into any issues until XX/XX/XXXX when I had XXXX $ stolen from me from an unauthorize transaction to XXXX. I was able to call them on my XXXX  XXXX at the time but they never responded back to me about the refund in credits. Later in the month of XXXX my Pixel XXXX had been broken and had sent out to be repaired so I haven't had phone service since then and had to connect to customer support via WiFi Calling. I had notified them of the incident and told them of my dire situation. Then on XX/XX/XXXX I contacted Chime about my current balance and if any transactions have occurred on my account since I am unable to login to the app via XXXX lockout. They responded as if nothing was wrong and I had the current weeks paycheck on the checking account. Through a lot and back and forth calling online I was forced to get my old debit card active again to try and access my funds. After failing to get any of my funds out for the next 3 days, I called back Chime to get notified that XXXX $ had been taken from me by an unauthorized transaction to USPS.XXXX. I had filed a dispute once more while on contact with them and they had stated it would take 24hr-48hr to get back to me. They got back to me a few hours later and closed the dispute with no credit given back to me. Then on XX/XX/XXXX, they had closed off my account and credit card thus not having a way to call and respond back to my issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the LISTED ACCOUNT which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance Owed : {$11000.00}.
Product: Credit reporting or other personal consumer reports

I have sent numerous letters to your office about my identity theft situation, but my concerns remain unresolved. I am once again disputing the fraudulent information negatively impacting my credit file. 
Despite my submission of the required FTC complaint, your bureau continues to report this fraudulent account on my credit report. I want to emphasize that I have already contacted the company associated with this account, submitted the necessary documents, and had the account promptly deleted from their records. 

Moreover, other credit bureaus have already removed this account from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting this fraudulent account. 

XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is a credit card that i am paying on but am not able to use anymore. I have been paying constantly on it and they seem to have payments going to wrongs account because they have missing past due. I can no longer make online payments therefore ha e been calling in payments. Past months they been refusing to take my regular payment and its now showing as 120 days delinquent and hurting my credit. I've tried numerous times to speak to a supervisor and been put on hold and hung up on. Called back and no supervisor or manager available. They have told me if I don't make a XXXX payment they will keep reporting me to the agency. MUFG Union Bank NA have violated many laws. 
Section 605, Section 605A, Section 605B.
Product: Mortgage

On XX/XX/2021 I filed a complaint against Citibank where my personal e-mail was used by an individual to apply for a mortgage with the Bank under XXXX XXXX. XXXX. A letter from Citibank dated XXXX " it was an error from the Bank and the Bank has subsequently removed my e-mail from their record ''. However, on XX/XX/2021 I received another e-mail from Citibank again regarding a mortgage application no. XXXX. This is totally in contradiction with the response letter from Citibank where they claimed they have removed my personal e-mail. Therefore, I am requesting Consumer Financial Protection Bureau for assistance in resolving this matter. 
Thank you. 

Attachments : E-mail from Citibank dated XX/XX/2021 Copy of the original complaint E-mail from Citibank dated XX/XX/2021 which caused me to filed the complaint with CFPB. 
XXXX dated XX/XX/2021 from Citibank in response to my complaint. 
Noted documents are not in order.
Product: Debt collection

" Resurgent Capital Services '', " LVNV Funding LLC '' and " XXXX XXXX XXXX XXXX '', all have been sending me Collection Letters, Settlement Letters and Threats of Collection, for a " XXXX XXXX Credit Card '', that I did not possess, with an outstanding balance of {$840.00} dollars ( XXXX ), all of the aforementioned Fraud Companies have also tried to get me to sttle for half of the total amount, they claim I owe, I had fought this " Fraud '' debt as far back as ... 2005? and assumed that it had all been settled through " XXXX XXXX '', till just recently, I have even checked my credit report, and do not see this negative strike? this is from 16 years ago, and I doubt that, I still have my correspondence records pertaining to the settlement? I have requested documents of proof from " Resurgent Capital Services '' and " LVNV Funding LLC '', and have yet to receive any type of documentation, this I feel is " Double Fraud '' and plan to have my bank put a block on these 2 establishments. THIS IS CRIMINAL! 

I have attached the latest " Fraudulent '' demand letter. 

Regards, XXXX XXXX
Product: Checking or savings account

Tuesday XX/XX/XXXX, Virginia XXXX XXXX XXXX issued a hold on both my Checking and Savings accounts due to a misunderstanding in state taxes for the year 2014. On Wednesday morning, XX/XX/XXXX, I received a phone call from Virginia XXXX XXXX XXXX indicating that they had reviewed my 2014 returns ( I filed in XXXX that year ), and that they were sending the release request to Capital One. First release request was sent at XXXX XXXX  Wednesday morning, second at XXXX XXXX, and a third at XXXX XXXX Yesterday, XX/XX/XXXX, I had VA XXXX XXXX send a XXXX release notice to my local Capital One branch where I had a financial XXXX personally hold and view the release notice and fax and email it to the division responsible for releasing the hold. Since Wednesday morning, Capital One has not released the hold on my accounts. Any attempt to call Capital One support, email, or speak to a branch representative ends up in the same dead end, " We can not contact our legal department. '' Both my accounts are still frozen, and I have been forced to rely on my credit cards for payments. No one can give me a status on my accounts, I can't even tell if the XXXX XXXX has received the information to release the hold.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of the accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

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 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 also states a consumer reporting agency can not furnish an 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

Aidvantage is violating my rights as a consumer 15 usc 6802 15 usc 1681 and 15 usc 6801. My privacy information is my business.My student loan are my private information and aidvantage is reporting my private information without consent. I wrote them a letter stating my rights they are violating and ask them for the opt out disclosures to stop reporting my non-public information and then refused and told my they are required to report my non public personal information. 
15 USC 6801- It is the policy of the congress that each financial institution has a AFFIRMATIVE and continuing OBLIGATION to RESPECT the PRIVACY of its customers and protect the security and confidentiality of those customers non-public personal information. My student loans are my non-public personal information.

15 USC 6802 Obligations with respect to disclosures of personal information Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
I was not provided with a clear and conspicuous disclosure. 
Aidvantage is Tarnishing my reputation I wanted to get a car but by aidvantage putting my non-public personal information on my consumer report without my consent my score drop XXXX plus points. I am XXXX and sad because of there actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquires that I did not authorize.
Product: Student loan

As of XXXX my credit report shows that I have a balance of {$160000.00} across XXXX student loans, but MohelaXXXX  says I have a balance of {$80000.00} across XXXX student loans. Upon googling, I have seen that other borrowers are having the same issue with credit reports showing duplicate accounts due to the transition at Mohela. This is honestly reprehensible. As a borrower of federal loans, I have no say in who my servicer is. I have tried to resolve the issue directly with Mohela with no luck. I am a first-time home buyer actively applying to mortgages to be able to close on my first home. This is a really really really unfortunate situation to be in, and I had nothing to do with this mistake. Please help me ASAP clear this duplication from my credit report so that I can obtain a mortgage.
Product: Credit reporting or other personal consumer reports

Hey I just looked at my credit report and I see that Transunion, XXXX and XXXX is continuing to report inaccurate information on XXXX account XXXX  The date of activity is wrong across all three credit buraus. Transunion shows it as XX/XX/XXXX, XXXX shows it as XX/XX/XXXX, XXXX shows it as XX/XX/XXXX. 

How can this be wrong if all XXXX credit buraus get the same information from the same data furnisher? I demand to delete this inaccurate account from my credit file. According to FCRA, I have the right to have XXXX XXXX accurate credit file. I have sent letters to Transunion before telling them that this account is inaccurate and they still continue to report it inaccurately. That is willful non-compliance
Product: Checking or savings account

Opened a performance saving account in XXXX XXXX followed the instruction deposited {$10000.00} and over for 90 days, didn't receive the {$100.00} bonus. I called the rep, was told I used to have a money market account with Capital one that was closed long ago. I am not qualified for the bonus because of that. When I opened the saving account I read all the fine prints carefully and didn't see anything regarding the previous Money Market account. And the website took the promotional code showing the promotion was taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

GIVE ONE MORTAGE COMPANY PERMISSION TO PULL CREDIT AND NOW I HAVE SEVERAL UN AUTHORIZED HARD CREDIT PULLED AND WANT REMOVED, FRAUD
Product: Credit card or prepaid card

Synchrony bank owes me {$270.00} in refunds on accrued interest payments for mishandling the allocation of my monthly payments towards promotional " no interest '' if PIF purchases. 

Initially I was told via phone that my automatic payments were going to my oldest promotional purchases first. Later I was told over the phone that my monthly automatic payments were not being paid towards my oldest promotional purchases as I had called and requested every month since automatic payments began, but instead distributed across all of my promotional purchases in random amounts. 

This was an intentional act on Synchronys part in order to cause my promotional purchases to default so they could collect interest. 

At no point should any of my promotions have gone into default. Each one was set to be paid in full before the promotions expiration date. Synchrony was willfully negligent in distributing my payments. 

I called Synchrony again to try and resolve the issue on XX/XX/2023. They were uncooperative and said they had no record of phone calls. A supervisor refused to share phone records and told me to subpoena them if I wanted them. I have my cell phone records that show phone calls to their XXXX phone number that last anywhere from 15-30 minutes. These records show outgoing calls I made every month where I request allocation of my payments to older promotions so they would not default. During these calls I was assured each time my payment was being distributed as requested and my promotions were in good standing with no chance of defaulting. 

I have paid my remaining balance to Synchrony bank in full minus the {$270.00} in accrued interest they are requesting. 

Synchrony broke their agreement to distribute my payments to the promotions I requested and is obligated to remove any interest accrued on this account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Experians XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX To Whom it may concern, I just recently looked at my credit report. I wanted to make that everything is 100 % correct and accurate. Can you reinvestigate the accounts listed below? 
Under Section 15USC 16812 ( F ), The account is not complete and accurate. Re-investigate and update. I talked to these creditors, and I should not have any late payments. Payments were made within reporting cycles. 
Once you have reinvestigated and deleted this account, please send me a copy of my updated report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, XXXX and Experian operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 
XXXX XXXX XXXX Balance {$730.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX Balance - XXXX  XXXX XXXX Balance {$140.00} XXXX XXXX XXXX XXXX Balance {$170.00} XXXX XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Balance {$140.00} XXXXXXXX XXXX  Balance {$95.00} XXXX XXXX XXXX  XXXX {$2000.00} XXXX XXXX XXXX Balance {$18000.00} XXXX XXXX XXXX XXXX Balance {$170.00} XXXX XXXXXXXX XXXX Balance {$730.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX  {$140.00} XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXX XXXX XXXX  Inquiry XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX