23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The servicing of my home mortgage was transferred from XXXX XXXX XXXX to Carrington Mortgage Services, LLC ( effective XXXX/XXXX/15 ) and their website is reflecting the incorrect payment amount. My monthly payment ( inclusive of taxes, insurance, and PMI ) totals {$3500.00}. However, the only amount that their website will allow me to is {$3900.00} ( which includes late fees ). That is not the correct minimum amount due and, as a result of their error, I am unable to make minimum payment due. I need this resolved ASAP so I can make my payment on time. Their website needs to be updated with the correct minimum amount due ( not including fees ) since its not allowing me to pay any other amount except {$3900.00}. 

Additionally, I still have yet to receive any correspondence from their institution. I had to call in and wait on hold for 20+ minutes just to obtain my loan number. Then when I called back to address the issue with the wrong payment amount, their wait time exceeded 20+ minutes and it would automatically drop the call without allowing you the options to hold. This is becoming a huge nightmare just because they ca n't get their records straight. 

O know the CFPB has implemented very specific regulations for servicers to abide by pertaining to Servicing Transfers and this company is certainly not in compliance! I need help!!!!
Product: Checking or savings account

I had a personal loan with PNC bank. I lost my job and got sick and was behind t payments. I have been customer for 10 years and not ever behind on payments before. My account had maybe {$100.00} in it. So they go into My XXXX XXXX XXXX sons account that stopped being connected to mind in XXXX of 2023, and they took the payment from his account. That was not my account. He is an adult and only his social and personal information is on that account. I opened the account when he was XXXX for college, but once he was adult we werent sent a letter that the 4 years for the college acount was over, and he would now have a standard bank. 
They had absoluetly no right to go into his bank, as he was never on the personal loan application or a part of the loan process, and take the money. 
I called and they claimed a phone was made to make the payment over the phone and that is absolutely incorrect and they could not provide me with who called and when. Then they said their policy is they can take the payment from your account if you are behind. I have an account, but it was only {$100.00}. If they could see my sons account then they could see I had a direct deposit pending for midnight and they could have taken it from me, or they could have overdraft me. I was NOT negative, I just hadnt made a payment. This is absolutley not legal, and completley unethical.
Product: Credit reporting or other personal consumer reports

I contacted the credit bureaus to dispute inaccurate addresses and dates of birth, but they failed to update and change this information after I submitted the documentation. 

Incorrect addresses 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XXXX the XXXX XXXX i received a checkbook with my correct name and address however the phone number on the checks was not correct. The checks came from a bank i have never done business with. I believe that some one has tried to steal my identity. I called TDBank and made them aware that i received checks with all my correct information except my phone number. I did provide the routing # and checking account number on checks and the bank did flag said account.
Product: Credit card

On Tuesday, XX/XX/year>, I received a bill in the mail from Bank of America telling me my current payment due date. This was shocking to me because I knew that this was not a card that I had applied for. I immediately called them to inquire about the card because I had not opened an account with them, nor did I authorize anyone else to do so in my name. They informed me that a student loan was paid off using the card from XXXX XXXX XXXX XXXX, which was applied for on XX/XX/year>. I called the XXXX XXXX XXXX XXXX to let them know that my name and personal information had been compromised and was used to make fraudulent charges. Then on XX/XX/year>, {$7900.00} was charged onto the card using my name. XXXX XXXX XXXX XXXX only supplied me with a partial phone number, and a login name. The next day, I filed a report with the local police department.
Product: Debt collection

Identity was stolen in XXXX. Received letter in the mail regarding {$490.00} charge to Macy 's for which I did not purchase/authorize. 

A stolen driver 's license ( mail fraud ) was used for the transaction in which the credit card was not used by impersonator. I filed necessary paperwork including a police report and received a notice that the investigation was conducted ( without Macy 's ever contacting me during this investigation ) and that I am liable.
Product: Mortgage

I refinanced in XXXX and the old mortgage servicer has not refunded my Escrow balance. 

I've contacted them over a dozen times and each time they claim checks have been mailed, but I've received only two letters from them : An escrow summary ( with no check ) in XXXX and an acknowledgement of a request for investigation on XX/XX/20. If they can send me these letters, I don't understand why a check would not reach me if it had indeed been sent so many times.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act my rights has been violated? 

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

XXXX has been, and is currently, reporting my XXXX store card inaccurately to all three credit bureaus, and to XXXX XXXX who currently holds the account. I have disputed XXXX with XXXX, XXXX, and TransUnion. I have had zero success and they are all still reporting this account delinquent and/or have not provided validation of the debt and its accuracy. I also called XXXXXXXX XXXX  XXXX card services via XXXX ( XXXX ) XXXX on XX/XX/2019 and spoke with a representative who informed me that they do not have any of my account information anymore due to the migration to XXXX XXXX. I asked the representative numerous times to provide my account history, statements, information, alleged missed payments, due amounts, proof that it was closed in XX/XX/2019 and WHY or HOW it was when they did not own this account, and the reps told me that my information wasnt accessible because they dont have any of it on file. Apparently after they sent it to XXXX  XXXX, whom they reported my account closed in XX/XX/XXXX to, the account was no longer in their system. It did not exist. This is a problem as XXXX XXXX only has statements up until XX/XX/2019, is stating my account was closed as of XX/XX/2019, and collected {$160.00} on it this month without me knowing it was a closed collection. I called XXXX XXXX ( via the number on the back of my XXXX card ) and they told me they can not do anything as of right now because my account was reported as closed in XX/XX/XXXX and that is all the data they have from XXXX. The rep from XXXX XXXX told me to call XXXX to see if they could do something about my card being closed and inaccurately reported, but XXXX stayed they no longer have my account information in their system. Additionally, the XXXX XXXX XXXX rep told me that I could just reapply if XXXX   couldnt provide any information. I re-applied for the XXXX card through XXXX  XXXX and received a denial letter with the reason stated as follows : Based on your application information, we observed activity on a prior XXXX XXXX account that is not consistent with our expectations for account usage or the terms of the account agreement. So, I was denied due to the current XXXX card account status that is reported as closed invalidly, as well as incorrectly documented in their system, having no information past XX/XX/2019. This account, the one that wasnt closed at all actually, the one XXXX ILLEGALLY closed this month XX/XX/XXXX when they transferred/dont even have access to or own my account. Im literally stuck with a plummeting credit score,  loss of time spent trying to correct this, and paying for a closed card that has no actual records beyond XX/XX/19 on either end.
Product: Credit reporting or other personal consumer reports

In accordance with the fair creditor reporting act this creditor has violated my wrights. Under 15 USC 1681 section 602 it states that I have the right to privacy. 15 USC 1681 section 604A section 2 also states that consumer reporting agencies can not furnish a account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purposes.
Product: Debt collection

AS Astra sent documentation affirming debt of XXXX however failed. ( 1 ) They failed to validate acquisition price paid and incurred expenses ( my new liability to AD Astra as a debt buyer ) to justify continued collection attempts. This is my right. Otherwise, ( 2 ) this is an active attempt to collect usurious interest as defined by the RICO statue by pursuing of collection posted to all my credit reports impacting my credit score ( 3 ) and Failing to consistently report the same data to all bureaus, date of debt varies as reported to 2 agencies. My new liability is estimated to be less than 50.00. Unreportable in this circumstance.
Product: Mortgage

Client has been repeatedly mistreated during efforts to modify loan, most recently was denied based upon his being divorced and a " successor in interest '' to the original party to the note, his ex-wife. Specifically, modification was denied on basis that property was not " owner occupied '' despite client 's ownership and occupancy, demonstrated to servicer countless times. Second, denial of application based on this " occupancy '' issue is in direct violation of the XX/XX/XXXX amendment to the XX/XX/XXXX mortgage rules under RESPA ( Regulation X ) and TILA ( Regulation Z ) found at 12 CFR 1024 and 1026, which rules were implemented to protect " successors in interest '' to mortgage and property ownership by virtue of divorce decree. Despite this status and the explicit provisions of the rules, client 's modification was denied based on his status as " non-borrower '' ( the so called " brick wall '' ), the repeated request for unnecessary and nonexistent documentation of home ownership and occupancy ( the " treadmill '' ), and have otherwise made the application for modification unnecessarily difficult. The same documentation was requested countless times. When the servicer 's employees would finally acknowledge receipt of a particular document, they would invent inadequacies and demand additional information which bore no relation to the client 's ability to pay the loan or any other relevant factor in evaluating this request. By way of example and not limitation, client is XXXX and submitted personal financial statement. Servicer then requested further documentation to explain the financial statement in detail which was simply designed to make client produce more paperwork, and did not provide any additional information. These requests for " clarification '' were repeated and abusive, and the ultimate denial of the modification was not based upon any of the information repeatedly provided and painstakingly supplemented, but upon the " borrower 's '' non-occupancy of the property in question. Servicer also claimed investor did not offer modification under the circumstances in question, a claim that was never validated or documented. In short, client was completely " run around '' in the process of attempting to modify his loan, and his application was improperly denied.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Complaint Contents : This CFPB complaint has been submitted to request that EXPERIAN , the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint, in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). The following information is deceptive, inaccurate, and false : FRAUDULENT ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Fraudulent inquiries encompass the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Accounts that are fraudulent include : 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. 


These accounts have led to the appearance of numerous fraudulent collections, inquiries, and accounts on my consumer FICO credit report. I have included a list of the ACCOUNTS/ADDRESSES/INQUIRIES in question, as well as a copy of the consumer FICO credit report that you maintain, which displays the aforementioned fraudulent items. I am unable to identify the accounts, inquiries, and collections that were previously mentioned. I did not open, make, or initiate the accounts, collections, or inquiries that are listed on my consumer credit report, which is maintained by you. Identity theft and fraud are the causes of all of the aforementioned accounts, collections, and inquiries. I have included a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as evidence from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and inquiries are the result of identity theft and fraud.
Product: Student loan

I have 2 private student loans (#XXXX  & #XXXX) that are serviced by Discover Student Loans.  As I did not receive my billing statement in the mail, I reached out to Discover and was informed that a system upgrade automatically changed the billing statement method of receipt (paper to paperless).  Apparently, this system failure happened back in XX/XX/XXXX and impacted my XX/XX/XXXX and XX/XX/XXXX (and conceivably every month thereafter if not for my intervention).  Discover never reached out to me. I never received any phone calls, emails or letters.  Furthermore, and most disturbingly, Discover never did anything to correct their mistake.  Since they knew the error, why not correct it?  Instead, they continue with their dishonest behavior and allow the account to become past due and possibly worse if not for my intervention.  Another deplorable and despicable example of student servicer engaging in BAU.  They should be penalized to the fullest extent of the law!
Product: Debt collection

I have never given permission to furnish the information to Portfolio Recovery Associate. Investigated accounts that you didnt request to be investigated. Majority of the account information is inaccurate, the open dates and last active dates are never matching on any information originally. Due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX Compliance Standards, I would like to request that this account be removed from my credit report as soon as possible.
Product: Debt collection

I have previously submitted multiple requests to your company for the reinvestigation of several inquiries that I believe to be inaccurately reported on my credit file. According to regulations, are you not obliged to complete these investigations within 30 days of receipt? I am aware of instances where companies have accessed individuals ' credit without a permissible purpose, and to date, I have not received verification of these purposes from your company. I am reiterating the inquiries that require thorough investigation : XXXX XX/XX/2022 and XXXX XX/XX/2022. I urge you to adhere to the Fair Credit Reporting Act and conduct a comprehensive investigation into the specified inquiries.
Product: Checking or savings account

I am complaining against Chase bank XXXX XXXX branch in XXXX, CA. It is regarding the recent promotion if you deposited {$250000.00} and leave it for 90 days, the bank will award me with {$2000.00} cash bonus and deposited to my checking account. 
I opened the account and deposited {$250000.00} to my chceking on XXXX XXXX and I fulfill all the stipulation and follow the term and condition as the banker XXXX XXXX instruction . 
and here is the instruction as the banker gave it to me - please see attached after the 90 days lapse, I checked and met with the personal banker XXXX XXXX in XXXX XXXX. And according to XXXX, I was not eligible for the promotion. 
I felt cheated and misguided since I follow all the term and requirement for the promotion. And I asked to speak with the branch Manager : XXXX XXXX, however i was told that she is on maternity leave and noone know when she is coming back. 
The banker was telling me that there is no dispute about why I am not receiving the Cash bonus and Why he had not tell me this prior to XXXX XXXX. I think Chase was taking advantage of myself and Coming from the Veteran family, I felt that Chase is not acting fairly and misleading the client.
Product: Student loan

The issue with XXXX started in XXXX XXXX. My IDR paperwork FINALLY was processed ( submitted in XXXX ) and the new IBR rate was more than double the previous year ( {$640.00} to {$1300.00} ) This would make sense if my income changed, but it did not. I did file taxes jointly with my husband that year, but again this amount did not make sense. I called and was told the IBR rate was miscalculated - my husbands student loan debt was incorrect by {$80000.00}. Despite, their mistake, I was still told I had to pay this miscalculated amount ( even though this was not my fault ). After many phone calls and hours of questioning, they agreed to apply for an administrative forbearance. This forbearance, I was told, would not penalize me for not being able to pay this incorrect rate, and wouldve temporary until the next month when the correct IBR rate ( {$940.00} ) was processed. During this forbearance, I paid the amount of interest that would be accrued ( {$950.00} ) but my loans capitalized, adding {$15000.00} onto my current principal. Again, I called, and there was nothing we can do. During this time, I was also concerned about this IBR rate  since it was {$300.00} more than the previous year, without any change in my salary. I was told I could apply for a change to the lowest monthly fee, which in this case would be the RePAYE plan. I submitted this paperwork in XXXX, shortly after I found out about it during my first phone call to XXXX. Throughout my subsequent phone calls with XXXX I was told that my monthly payments would be {$940.00} for XXXX and XXXX ( the correct IBR rate ) and then would change to {$640.00} ( the RePAYE rate ) for XXXX. Great. Fast forward to XXXX. My bill for XXXX is now a whopping {$2300.00}. (?! ) Yet again, I have to call and spend hours on the phone explaining the situation and fighting with XXXX. With a XXXX XXXX XXXX XXXX and the holidays, the continued financial hardship XXXX is causing me is putting me over the edge. I have always been willing to work with them and have paid all of my payments on time. Enough is enough. This is negligence and abuse. Please fix this. 

Thank you, XXXX
Product: Credit card or prepaid card

I was told on XX/XX/XXXX that I needed to send in my license, and photos of my physical credit card on file to have my payment profile reviewed re-activated. The case that was opened for that was XXXX. 

A few hours later on the XX/XX/XXXX, I was told that the payment profile is now reactivated. I tried making purchase again with my gift card and was given the same error message that I was told was fixed. 

I went back to XXXX chat once again who open another case and was told once again that the account is reactivated and try again to no avail. I did this at least 4 times, with chat just opening cases, telling me its reactivated then its not. I have even had an agent end chat because she was stating nothing is wrong on the account, and I need to just wait. 

I then went and ask to have my gift card re-imbursed as XXXX is not re-activating the payment profile and I was told the request is denied, however, the account is re-activated, only to try using the card again and the account is still de-activated. 

I am tired of being given the run around by this company, while they are not either reactivating the account or re-imbursing the cards. Either resolve is welcomed but neither is being given by XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to you in the utmost frustration and disappointment regarding an erroneous account that has been consistently reported on my credit file. I am formally disputing this account, which is clearly a result of fraudulent activity. This situation has caused significant damage to my creditworthiness, and I insist on its immediate removal from my credit report. 
Account Information : XXXX XXXX I have attached supporting documents, including affidavits and evidence, which unequivocally prove that I have been a victim of identity theft and that this account is fraudulent. This matter is of grave concern as it has adversely affected my ability to secure credit, obtain housing, and achieve financial stability. It is crucial that you take immediate action to rectify this situation. 
I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which entitles me to a fair and timely resolution of this dispute. According to the FCRA, you have a maximum of 30 days to investigate and respond to my dispute. Any failure to adhere to this timeframe will be seen as a violation of federal law. 
Furthermore, I reserve my right to take legal action if this matter is not promptly and properly addressed. I will not hesitate to seek damages for the harm that has been inflicted upon my financial well-being and reputation.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XX/XX/2019 - A recent class action lawsuit accuses XXXX XXXX of forcing their customers to pay interest on ... affirm these common sense understandings, but XXXX XXXX 's actual practice does not. ... XXXX XXXX XXXX ( XXXX ) XXXX, Case No.