23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Good afternoon : In XXXX of 2021, we refinanced our mortgage. 

Our refinance, while botched, resulted in our entire escrow balance paying our estimated taxes and property insurance ( please see attached ) In XXXX, we received a letter ( please see attached ) from the land title company stating that we were short {$2500.00} for our property tax bill as only {$4500.00} was paid after closing ( attached on page 3 shows {$4500.00} was paid towards our property taxes in addition to {$2200.00} towards our property insurance on XX/XX/2021 ). 

In XXXX of 2021, I called Movement Mortgage 's customer service number to let them know and they said they'll get a copy of the tax bill and take care of it. It turns out that your billing department paid the whole {$7100.00} in addition to the entire XXXX XXXX XXXX payment leaving us with around a $ XXXX  deficit. 

The deficit in this case should only be {$2500.00} NOT $ XXXX. As a result of this error, we will have to pay an extra {$1200.00} per month starting on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I reviewed my credit reports and it shows inaccurate and unverified items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681
Product: Debt collection

This has been over 10 years and these people keep contacting me. I have reported then year after year to the FTC, each time a different individual sends me these threatening email. Please see below : CREDITOR : SPEEDY CASH ( XXXX ) CASE NO : XXXX Attention, AMOUNT OUTSTANDING : {$870.00} This Proceeding issued on you Docket No : XXXX with one of XXXX XXXX XXXX Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you so the accounts department has decided to mark this case as a flat refusal and press legal charges against you. 
We have sent you this warning notification about legal proceedings on XX/XX/2020 but you failed to respond on time. Now its high time if you fail to respond in the next 12 HOURS we will register this case in court. Consider this as a final warning and we will be Emailing/Fax this issue to your current employer to make sure they take strict actions against you. Your salary and all your wages are confiscated. 
We will be forced to proceed legally against you and once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and the lawsuit will be the next step which will be amounting to {$8600.00} and will be totally levied upon you and that would be excluding your attorney charges. 
Please let us know what your intention is by today itself so we can hold the case or else we will submit the paperwork to your local county sheriff department and you will be served by court summons at your doorstep. 
This is your last and final chance to settle this case. If you don't take it seriously, we will surely take hard steps against your name and you will be the only person responsible for the legal consequences. 
By electronically signing this Loan Agreement by clicking the " I AGREE '' button below, you are confirming that you have agreed to the terms and conditions of the Consent and that you have downloaded or printed a copy of this Consent for your records. 
IF YOU WANT TO RESOLVE CASE OUTSIDE OF COURT THEN CONTACT TO RESTITUTION DEPARTMENT : - XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 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. 
Please remove these erroneous items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXBalance : {$4800.00} XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Debt collection

collection agency has not provided validation information under 12 cfr 1006.34 but yet they placed a collection on my consumer report.

i have not been given a chance to dispute account according 12 CFR 1006.34 collection agency is violating my consumer rights by using false misleading misrepresentation and deceptive means.

collection agency has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law and they are in clear violation of 12 CFR1006.34
Product: Money transfer, virtual currency, or money service

Complaint Reported By : First Name : XXXX Last Name : XXXX XXXX Email Address : XXXX Phone Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : Nebraska Zip Code : XXXX Complaint Reported Against : Name of Business or Person : Bank of America City : XXXX  State : New York Name of individual with whom you dealt : Bank of America in XXXX XXXX NY Product / Service Information : Date of Purchase or Service : XXXX Method of Payment : Wiring from my bank, XXXX XXXXXXXX XXXX located in XXXX, Nebraska Type of Product or Service : sending my published book to traditional publishing company for final acceptance of traditional company XXXXXXXX XXXX XXXX, which Writer 's Value lied after I checked with traditional company. 
Contacted Business : Yes Amount should be Paid : XXXX Steps Taken to Contact and Fix the Issue : After I found out the Writer 's Value is not providing the service that they promised I went to my bank and dispute the {$3800.00} that I wired on XX/XX/. the disputing date was XXXX XXXX XXXX At the same date, XXXX XXXX XXXX XXXX XXXX XXXX  contacted Bank of America, Bank of America did not respond. Two more times XX/XX/XXXX, XX/XX/XXXX my bank ( Wiring Department of XXXX XXXXXXXX XXXX XXXX XXXXXXXX Nebraska contacted Bank of America for refunding my money, {$3.00}. But Bank of America has chosen to ignore the request of my dispute by not responding at all. Writer 's Value publishing company did not do the service ; so, I disputed it through my bank. But Bank of America is not responding to my bank dispute and ignoring the situation. Since XXXX I have not receive any money. Since Bank of America has chosen to ignore to respond so I have placed this complaint. 

I complaint to Attorney General of Nebraska. Attorney General also sent letter to Bank of America about a month ago. but he has chosen to refuse to respond. Attorney General encouraged me to send my complaint to you. 


With high respect, XXXX XXXX XXXX XXXX Phone XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft and I have a lot of inquiries on my credit report that I did not authorize, Due to my fcra rights I will like them removed from my credit profile I have learned now to lock my credit report. I will upload documentation of inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigating these items within 30 days give a reason to immediately remove those items from my credit report. It has been over 90 days so it should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was also impacted by Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit card or prepaid card

I sent US Bank a message / email saying my payment was not allocated to the highest interest rate per law. 

They responded they make payments per statement period vs accurate real time data. 

They reversed my payment so I could make the payment again. 


Withdraw of {$3100.00} on XX/XX/2021. Payment of {$3100.00} XX/XX/2021 ( yes 1 day later ). Interest of {$55.00} on XX/XX/2021. Reversal of payment XX/XX/2021. Repayment of {$3100.00} on XX/XX/2021. 

XX/XX/2021 to XX/XX/2021 statement. Interest payment of {$55.00}. Credit Card ending XXXX.
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed item. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? 
Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

ACCOUNT : XXXX XXXX XXXX.
Product: Debt collection

Automobile that was purchased through the SECU and repossessed 20+ years ago. Credit Union could n't provide me with original copies of information on it and a personal loan in the amount of {$2000.00} for the car and {$480.00} for the personal loan. Total of {$2400.00}. Refusing to allow me to open an account because of this unresolved issue although I meet the eligibility criteria. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to delete this inaccurate information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX : {$2200.00} XXXX XXXX XXXX : {$1300.00} XXXX XXXX Balance : {$1400.00} XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXXBalance : {$1900.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$3800.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$920.00} XXXX XXXX XXXXXXXX XXXXBalance XXXX {$3500.00} XXXX XXXXXXXX : {$140.00} XXXX XXXXXXXX : {$210.00} XXXX XXXXXXXX : {$210.00} XXXX XXXX : {$210.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX : {$1400.00}
Product: Checking or savings account

On XXXX the XXXX or XXXX XXXX, I noticed multiple charges on my account not authorized by me or anyone associated with me. I called in to navy federal credit union to inform me of the charges going back into XXXX. Charges are {$190.00}, {$300.00}, {$360.00} processed XX/XX/XXXX. {$780.00} on XX/XX/XXXX, {$170.00}, {$500.00}, {$510.00} processed XX/XX/XXXX. I let navy federal know of these charges and that they were not authorized by me or anyone associated with me. I proceeded to call in through out the week to check on whats going on were there any progress in getting back my stolen money from my account. They would barely tell me anything, only to tell me it can take up to 60 days and that they have no information. I have all the calls recorded as well. Today XX/XX/XXXX I received a email stating my claim was denied because they found that no error were occurred I immediately called them to ask for more information but was told to call back XXXX because they are closed. Navy federal did no due diligence in investigating these charges, they simple denied the claim because they did not want to be at fault for these fraudulent charges. Only in America where we have laws and and corporations such as NCUA and FDIC that are suppose to protect everyday Americans from thieves and fraudsters, yet the institution where you deposit and trust your money to be held tells you that they found no error occurred simply because they dont want to take responsibility. This is why no one trust banks or credit unions. Ive never done any business or any dealings in any matter with this merchant, yet navy federal tells me theyve denied my claim because no error occurred this is a joke of a company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I went on to a couple car sites and used their prequalified method to see if a Vehicle I like what my rates would be. Long story short these people have shopped my report to Multiple places and now people are calling me to purchase a car. This is violation or my credit report and personal information being shopped to vendors without my consent nor knowledge. Please delete the state inquiries below, 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 I never authorized any of these credit inquiries on my report.
Product: Debt collection

Received 1099-C Cancellation of Debt for the amount of {$4900.00} from Wells Fargo Bank XXXX XXXX XXXX of the form states Wells Fargo made the decision or policy to discontinue collection. Wells Fargo has not contacted me and this debt is not on my credit report ( XXXX ). 

I called Wells Fargo Bank, N.A. and was informed that the debt was for the year XX/XX/2012, XXXX YEARS ago. I requested documentation for this debt and the representative could not provide it.
Product: Checking or savings account

I have contacted the bank on multiple occasions last on XX/XX/year> at approximately XXXX hrs for 34 minutes regarding my claims that have been denied and or are still in review and as always, the conversations were unproductive as Bank Of America has cut off my access to statements and relevant documents online due to them, not doing business with the California XXXX XXXX XXXX  anymore. This is hindered my ability to see transactions relating to my account, in addition to being able to claim the transactions that are fraudulent on my account and thats is the reason for denying my claims as there is misinformation that I am not privy to anymore that I cant seem to get access to that may or may not enlighten them as to why they think the claim should be denied. After several conversations about this over the last month, I have become convinced that Bank Of Americas ability to make an accurate determination, on the following claims - Claim # XXXX - Claim # XXXX - Claim # XXXX - Claim # XXXX - Claim # XXXX To be unlikely at best and am requesting oversight from the consumer financial protection bureau to assist in anyway possible to ensure a competent and fair resolution in my claims with Bank of America
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXXXXXX XXXX XXXX Balance Owed : {$460000.00} ; XXXX XXXX XXXX Balance Owed : {$470.00}
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/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 XXXX, Experian, XXXX 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 a personal credit card account opened at XXXX XXXX ( XXXX ) is not reporting accurate and or updated information it hasnt report since XX/XX/XXXX. Accounts Removed Shall BE : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$440.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

This is the third complaint I have filed with you about this company, SLS L.L.C., or Special Loan Services, LLC. This company has so many complaints on the Consumer Services site and all are similar to the complaints I have had with them, including procrastinating on responding to customer complaints which puts extra late fees in SLS 's pockets, not reading correspondence and instead sending it back which also increases time and hence late fees, ignoring customer requests, ignoring California XXXX Laws, and it goes on and on. I have sent certified letters to the CEO and a vice president over two weeks ago and have received no action from the management or from the other people in the company. I have a mortgage, which I received due to a foreclosure and I paid over {$18000.00} wired in via XXXX XXXX to pay the arrears, which the XXXX original mortgage holders, XXXX and XXXX XXXX, accumulated because when they found out I was foreclosing on them, they stopped paying the mortgage to SLS. I contacted SLS and asked, after I faxed them my new trust deed to verify on the property at XXXX XXXX XXXX, XXXX, Ca. XXXX, XXXX XXXX no. XXXX many weeks ago. I also faxed the XXXX XXXX code that supports this action-and they still refuse to put my name or release to me any information on the loan. HOW CAN I PAY THE MORTGAGE ON XXXX, 2015 IF I DO N'T KNOW HOW MUCH IS DUE?? I also had my insurance co. fax info on my new insurance and SLS refuses to acknowledge it because they continue to tack on the cost of their insurance which is expensive. This company is totally money driven, without concern to their customers. Read the complaints filed against them-they all support this. 
All the supporting documentation is included in this email. I feel like no one is listening. 
Please get back to me asap so I can take over the mortgage on this property, handle it responsibly and take care of this business acquistion.
Product: Credit reporting or other personal consumer reports

After reviewing the most recent credit report I noticed that there were several accounts that were added without my knowledge or permission. Signature nor authorization was not given. Here are the accounts that appeared : Names & 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 XXXXXX/XX/XXXX Accounts : 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 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 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 Experian XXXX XXXX XXXX XXXX XXXX Experian 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 Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian 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 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Product: Mortgage

I requested a re-cast of my mortgage from Plaza Home Mortgage in order to lower the monthly payments. I sent an additional XXXX beginning of XXXX and was told if received by XX/XX/XXXX the new monthly payment would begin with the XXXX payment. It did not. I have called numerous times to find out delay and was initially told they were waiting for the deed from the title company. I secured the deed for them and uploaded to them on their website. End of XXXX, still no news. Each time I call the agent puts me on hold to talk to the " back office ''. My last call was XX/XX/XXXX. I was assured the new statement being mailed would now reflect my new monthly payment and the overpayment from XXXX would be applied to my principal. Today, XX/XX/XXXX, my new statement arrived with no change in monthly payment. This is not acceptable. I can not even get them to commit to the new payment amount over the phone.