23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Mr Cooper transferred a negative escrow balance to my new servicer, XXXX. Please review all prior escrow complaints. I understood the escrow to be corrected, and there should not have been a negative balance. I want Mr Cooper to correct the balance to the correct amount.
Product: Credit reporting or other personal consumer reports

I keep having inquiries on XXXX XXXX  from chase. In XXXX and XXXX. I have called them at least 10 times. They confirmed the inquiries are fraud. Said they will remove and send out identity theft kit. 6 months later. Nothing. Nobody XXXX XXXX XXXXXXXX there. I didnt apply for any accounts there. They have acknowledged. Listen to the recordings. They say they will fix and do nothing!
Product: Credit reporting or other personal consumer reports

I was shocked to discover incorrect accounts on my credit report this morning, and I have no idea how they got there. I checked my credit report like usual, but this time, there were discrepancies that appeared out of the blue. I even refreshed my browser to see if it was just a technical issue, but the inaccurate accounts remained. Because of this, Im requesting a thorough review of the documents Ive sent so I can avoid this kind of worry in the future.
Product: Debt collection

I received a letter in the mail from Credence the letter said it was a collection agency on the behalf of XXXX XXXX. I dispute the account and emailed them my dispute. I also called and ask for signed contact and voice recording of me extending the service. I canceled my mobile service with XXXX and they said i was still being billed for service. I was told by XXXX that they when send it to collection if I dont pay and my credit would be damage. I was on the government assistance program XXXX when the government ended that program i cancelled my XXXX XXXX XXXX  that same month. 

Credence Reference : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was scammed and i lost XXXX to XXXX XXXX and XXXX dollars of this money cane from a home equity loan and was deposited in my wells fargo bank account. According to wells fargo on XX/XX/XXXX figure lending put a recall on my account and wells fargo responded to that recall on XX/XX/XXXX and denied it and wells fargo froze my account on XX/XX/XXXX and closed my account on XX/XX/XXXX and now holding on my XXXX dollars personal money and their reason is there was a recall on my account that they actually denies and not giving me my money back They are refusing giving me my money back that are my direct deposits from my job They are refusing giving me any answers and passing me around between their departments I just want my money that i worked for back
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is not allowing customers any information online, not allowing us to purchase a report and not mailing reports. It's a huge problem. Have been constantly told we can't even get our scores online or in a report. Why? This is a year long problem. Enough is enough.
Product: Checking or savings account

Citibank had a {$600.00} promo offer If you open an account and maintain the balance for 3 months on {$50000.00} that I saw online, I went to the XXXX, Ca branch and asked them for that offer and they happily opened my account. 

I was informed by the branch to keep the balance between my checking and savings account which I did from XXXX XXXX to XX/XX/XXXX. I messaged, called their toll free number and the branch on XX/XX/XXXX and was told it was not coded properly by the toll free and message and was asked to call the branch. I called the branch and spoke with a lady and later XXXX XXXX who said it was coded properly and to expect my {$600.00} bonus on XX/XX/XXXX. 

Come XX/XX/XXXX, I messaged again and called and finally put in a dispute. I followed up on the dispute on XX/XX/XXXX and was told that a letter was sent and the representative read the letter saying it was denied. This is not right and this is fraud!
Product: Debt collection

I open my credit report today and see there is a new collection from a company I have never heard of. I was not even mailed a notice to dispute. No idea what is going on here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to all three major bureaus the date of the last letter to Experian was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. I am questioning the capacity of the bureau in doing their investigation about this matter. Below are the inaccurate accounts that still reporting in my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SSN : XXXX Date of Birth : XX/XX/XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX EQUIFAX FILE NUMBER RE : XXXX  Block Request Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my XXXX credit report, is the result of that XXXX. 

Accounts : Account numbers : Date Opened : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I have attached a copy of my SSN card, Valid IDs, and a copy of my utility bill to prove I am human who has been a victim of trafficking, so I do not need Equifax to say or write me and say they could not verify me or my account.

Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Section 605C ( b ) states that consumer reporting agencies can not provide consumer reports with adverse information about consumers who have been victims of XXXX  XXXX  or XXXX XXXX  if the consumer has provided documentation of XXXX  to the agency. I have attached a documentation of my self-attestation to you XXXX. Survivors do not need to provide additional evidence to prove their connection to XXXX, beyond self-attestation. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 

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

I have a charge off that is still reporting as a charge off. Would like to offer a pay to delete.
Product: Credit reporting or other personal consumer reports

This complaint to JPMCB CARD for allowing inaccurate information and fraudulent accounts on my credit report. As I checked my recent credit report, the inaccurate information and fraudulent accounts are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX.
Product: Debt collection

In accordance with the Fair Credit Reporting Act. XX/XX/XXXX account # 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 an account without my written instruction. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I obtained a conventional mortgage through my credit union. During the mortgage process, I was told that I could take the proceeds from the sale of my existing home and pay down the principal on the mortgage to lower my monthly payments. The original lender did not have a minimum payoff to recast. 

My lender sold the mortgage to a servicing agency, Servion. Once my other home was sold, I paid off {$11000.00} on the new mortgage with the intent of dropping my monthly payment to {$250.00}. Only after the payment was made, Servion notified me that I would have to make at least a {$20000.00} payment to recast. 

Having a minimum payment amount to recast is predatory lending and is outside the industry standard practice. In addition, I feel the business practices were deceptive in that I was only told of the minimum after making the payment.
Product: Debt collection

XXXX XXXX XXXX hired RentDebt Automated Collections a year after I moved out of my apartment and is trying to say that I owe them approximately {$1600.00}. I gave proper notice to vacate, turned in my keys and forwarding address and never heard from XXXX XXXX XXXX until XX/XX/2019. I never missed my rent payment nor was I ever late paying my rent. And all i've received is a notice demanding money with no explanation whatsoever as to what I owe or why. This is negatively impacting my credit score due to the substancial amount and is preventing me from being able to obtain housing or anything regarding my credit report. 

I absolutely DO NOT owe this apartment complex money. I moved out early due to uninhabitable living conditions that caused major medical problems, resulting in over {$500000.00} in medical bills and ongoing health problems, but I continued to pay my rent up until my lease ended.
Product: Debt collection

NATIONWIDE CREDIT & CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Above company has reported a debt collection amount of {$840.00} to XXXX and other credit companies which has reduced my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

My daughter stole my debit card on several occasions withdrawing from my account at the ATM for a total of {$1800.00}. I contacted Bank of America and filed a claim to get the money back. I also called the police and filed a report with the police. They spoke to her and she admitted to stealing my card and withdrawing the money. My claim with Bank of America was denied for the return of the money because they said by giving her my card one time to use made her an authorized user. They also said that if she steals my card because now she is an authorized user anyone she gives it to to use becomes an authorized user. I tried to fight the decision but failed. They have not provided anywhere where it states that by giving my daughter once to use my card that she becomes an authorized user, and anyone she gives it to. Please help me in resolving this issue. My daughter is going to be prosecuted for the theft.
Product: Credit reporting or other personal consumer reports

Here 's a description of what happened without including personal information : In XXXX, I went through a divorce from my XXXX. Since XXXX, I have been living and working full-time in the XXXX XXXX XXXX XXXX XXXX, XXXX, and currently, the XXXX XXXX XXXX XXXX XXXX ) XXXX 
I recently discovered that an account with XXXX XXXX was opened without my knowledge or consent. I believe that my ex-wife, her friends, boyfriends, or family members may have opened this account, along with several other credit accounts, using my personal information after our divorce. My ex-wife knows my Social Security number and birthdate, but she denies any involvement in opening these accounts. 
I have provided documentation multiple times to substantiate my claim that I have been living and working overseas since XXXX, making it impossible for me to have opened or used this account. I have not had any utility accounts in the XXXX since XXXX. I am currently undergoing a background check for a security clearance renewal, and this account has reappeared on my credit report last month. 
The collection agency, XXXX, informed me that they are not licensed to collect overseas and refused to discuss the matter further since I am currently outside the XXXX as a XXXX. However, they did mention that the debt appears to be from XXXX XXXX. 
When I contacted XXXX XXXX, they simply instructed me to pay the collection agency and hung up the phone without providing any further information or assistance. 
I am requesting that this fraudulent account be removed from my credit report and that the companies involved investigate the matter thoroughly, as I have never had an account with XXXX XXXX and have been living abroad since XXXX.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

These are all the overdraft fee transaction I have had in the past 12 months. only three reversals as you can see. 

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

We had leased a XXXX XXXX and we returned it on XXXX XXXX, XXXX to the dealer as lease had ended. 
On XXXX XXXX, XXXX we received a letter from XXXX XXXX XXXX indicating that we owe {$210.00} in taxes for same car for the period of XXXX XXXX to XXXX XXXX. 
We contacted XXXX and explained that we returned the car previous year and that we should not owe any money. XXXX Said that they would investigate further and then 13 days later on XXXX XXXX, XXXX we received a letter from XXXX XXXX XXXX, a collection company, they said that we must show a return receipt from XXXX dealer for the car, which we did. we also sent a receipt from XXXX County indicating that they will credit the amount of {$210.00} to XXXX for the XXXX car taxes. We also received letter from XXXX County indicating that XXXX finance owe us {$51.00} for the car taxes from XXXX to XXXX XXXX. 
After repeated calls from XXXX the Supervisor told  us " Good luck " if you do n't pay. 
Attached all documents
Product: Checking or savings account

Good morning, with great disappointment I must say your company has humiliated me, treated me with bad intentions, and made a circus animal out of me. I called in for one simple thing that turn into accusations, being treat out of name being called sir multiple times after constantly saying I was woman. I called in because I was told via a XXXX message to call in to finish setting up my business account which turn into something totally different. They interrogated me about my account then told me I had to change my password which I opted not to do then I was refused to speak to business team which I ask for a supervisor whose name was XXXX who has the be most absolute worse employee that could have been hired for a customer service job. He told me he had to change it so when I said no he implied my account wasnt mine so I ask if it wasnt mine and you felt that way why would you be willing to change it then he had no answer. Preceded to tell me that I wont get any help unless I go in a branch and he will make sure of it so he flagged my account. Spoke with another supervisor who said same they cudnt talk me for a fruad hold to go in a branch which come to find out XXXX knew it wasnt any branches 25 mile radius of my zipcode. I call in again another supervisor made me send documents in. I had to send it multiple times with multiple things along with a picture of me with which is absolutely ridiculous. I felt beyond humiliated I am asking for a immediate remedy. I have been in touch with my lawyers which I dont want involved if dont have to be but these practices are unethical discriminatory and completely unacceptable. So what can you do to savage a customer cause at this point I am beyond flustered and refuse to deal with this any longer. All to set up a account to give the company money not purchase ask for a loan credit card simply set up a business acount to build a better relationship to be treated in such dismay I clear with the branch XX/XX/2022 spoke with XXXX I sent in documents various multiple times via mail and via email XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, we been dealing with unsafe discriminatory practices for two months. They keep refusing to help or take me off this block I have sent in passport XXXX XXXX id selfie and went into a branch. Every time I call in I am being called sir and transfer and block out my account this has been the worse experience of my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency cannont furnish an account without my written instructions.

15 Usc 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

Bmo refused to open a dispute for 2 transactions on a credit card account for ach payments not authorized or made by me.

Review statement attached for details.
Product: Vehicle loan or lease

Previously I had filed against XXXX XXXX located in XXXX California regarding a bumper on a XXXX XXXX that I purchased.The bumper was coming off the car and we finally reached an agreement.On XXXX/XXXX/XXXX The air conditioning in the car went out. I just can not understand how a car can have so much trouble in 4 months.I am without a car for 2 days.And if the car was inspected it must not have been a good inspection.reimbursement for loss of use.
Product: Credit card or prepaid card

I filed a complaint against PayPal Mastercard with synchrony bank. They had totally fouled up my account. I had to get you involved twice and I am still having issues. The last payment was for $ 10+ and I sent them a check even though I knew I did not owe it. finally, after your intervention, they mysteriously found the check and applied it to my account after claiming they did not receive it. Here is the RUB : they filed against my credit and drastically lowered it. these people are scum and need to be investigated. I did have good credit and now it has dropped. And they are the only people I have dealt with about money. It has been one dirty trick after another.
Product: Debt collection

I leased a new vehicle on XX/XX/2019 through Mercedes-Benz Financial. I faithfully made payments on the vehicle, but then my husband left me, and I subsequently lost half of my income and had to take on all of the marital debt. I knew I would not be able to afford the vehicle any longer, so I made arrangements to turn it in. I did this in XX/XX/2019, turning everything over to Mercedes-Benz, no damage, everything intact, mint condition. I understood this was a voluntary surrender/turn-in, and my attorney advised me that this was the best option. Soon after ( less than two weeks ), MB Financial began writing me letters and calling me incessantlyearly in the morning before XXXX, and late at night at XXXXabout trying to collect an outstanding balance on the vehicle. I work in the evenings, so this would wake me up every single morning, and as soon as I would decline the call, they would call right back repeatedly. I was unable to block the call because it kept coming up as unknown. My lease was for four years, and the lease payment on this vehicle was {$1300.00}. The vehicle had a gross capitalized cost of {$84000.00}. The agreed depreciation value at end of the four year lease was listed as {$36000.00}, with the original agreed upon value of the vehicle at beginning of lease listed at {$58000.00}. However, MB Financial, even after auctioning off the vehicle was trying to collect from me {$62000.00} ( total amount of base monthly payments over the four year lease ) minus the months that I paid ( XXXX, XXXX, XX/XX/2019 ). The vehicle was 4 months old with less than XXXX miles on it. The buy-out price at the END of the lease was listed as the {$36000.00}. The amount they were trying to collect was more than the price of the vehicle and more than the value of the vehicle at the time they sold it. I have been disputing this debt with each of the credit reporting agencies continuously, and each time, MB Financial responds that it is a valid debt. MB has their vehicle back, theyve sold it, and theyre trying to collect MORE than the value of the vehicle from me on a vehicle that I dont have in my possession. They have been incorrect, unprofessional, pushy, aggressive, threatening, and uncooperative. I thought I was doing the right/best thing by doing a voluntary surrender, but it looks like it didnt pay off well for me. I need something to be done about these people, because they are relentless. Thank you so much for your time and consideration and help. I have XXXX little kids and am struggling.
Product: Credit reporting, credit repair services, or other personal consumer reports

The notes say {$730.00} was written off but I paid it and have the check to prove it. They also told me if they got it by XX/XX/19 it was good. They got it on time.. It seems you are treating me unfairly.