23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Company : RoundPoint Mortgage Servicing LLC * Pay-Off loan funds were electronically transferred and received XXXX by Servicer.

* Servicer 's stated reception of surplus escrow funds, {$2200.00}, is 20 business days, i.e., approximately one month. 
* On XX/XX/year> Servicer stated a check was cut on XX/XX/year>. While a request for the XX/XX/year> check number was requested, no check number could be provided. 
* No check received by XX/XX/year>. Upon contact with an escalation representative at the Servicer on XX/XX/year>, their representative stated that a stop payment was initiated for XX/XX/year> check with a request to expedite a new check for escrow surplus funds. Check numbers were requested, but none could be provided. 
* No check was received by XX/XX/year>. Again, upon contacting an escalation representative at the Servicer, a check number was requested, but no check number could be provided. 
* As of XX/XX/year> no check has been received. 

In summary, I have no evidence that a check was cut XX/XX/year>. Through three consecutive contacts with the Servicer 's representatives the representatives describe back-office processes as a rationale for delay of getting a check cut for surplus escrow funds produced for mailing. It has now been forty-seven business days, 135 % beyond stated target, since the loan was paid off. Their back-office processes are irrelevant, i.e., unacceptable excuses. This now looks very much like corporate malfeasance.
Product: Checking or savings account

On Wednesday XXXX, I visited the XXXX OH branch location to file POAs for my grandmothers accounts. She has XXXX CDs with US Bank. I provided POA forms and the branch manager said that the information I needed in the POA forms was there and set an appt. On Friday XXXX, I met with XXXX. I articulated that the POA had already been scanned into the system, and she said she still had to provide to Legal. I explained the specific information wanted for the accounts. XXXX took XXXX minutes to make copies of documents she already had on file. She additionally photocopied and submitted my drivers license which Legal told her was not needed. I am an efficient professional that used to work for this financial institution and multiple others. XXXX did not adhere to procedure, was not efficient with my time, provided incorrect ancillary information to Legal, and I felt as though I was discriminated against as I am from out of state. My grandmother has POAs for a purpose. Because XXXX took so long, I had to leave the appointment with nothing accomplished. Now my uncle will have to repeat this entire process at another branch. It was an excessive waste of time, and because I left the appointment, XXXX reached out to all numbers listed on the account trying to contact my grandmother. It was overreach and judgment on her part that was beyond inappropriate. Legal documents are established for a purpose. We now will continue to have to go through a process that US Bank has already caused to take XXXX weeks for us to update accounts appropriately. Its beyond ridiculous. I live out of state and I as trying to resolve this before leaving as we have no US Bank branches in our region. In addition, the IRA department of the bank can not save POAs and you have to go through this ridiculous process each time you ask for information. The IRA Dept advises you to go into the office as it makes the process faster. After XXXX minutes, I still hadnt gotten anything done. Processes and procedures must be updated for efficiency. This is elder abuse and discriminatory because one banker judged a situation from their own perspective. Further, I reached out to the Branch Manager who was helpful, but the regional manager did not return my phone calls. US Bank is predatory, excessively difficult to work with, and not consumer friendly.
Product: Mortgage

To Newrez, LLC, Per your Escalation Department at Shellpoint Servicing, Ive requested duplicative correspondences which only two responses were given. It took them months after duplicative correspondences to receive information that two of my monthly payments were applied to the principal only. Im still waiting for the mortgagee to provide signed documentation of my request to apply two of my monthly payments to the principal only. They have not provided that document yet as well as my signature document whereas the mortgagee can apply monthly payments as they wish. Then you all had the audacity to apply late fees on payments that was missed handle. 
According to your servicing company, Ive made duplicative correspondences on receiving my out of pocket reimbursement ( {$1900.00} ) for paying XXXX XXXX XXXX XXXX. I never told them in the duplicative correspondence that it was an overpayment. The payment was never made by the mortgagee, but by the debtor. Obviously, you know the payment should have been sent from my escrow account and wasnt. 
Why was it necessary for Shellpoint Mortgage Svc to make an account review inquiry on my credit disclosure on XX/XX/year> with XXXX, XXXX?
Product: Money transfer, virtual currency, or money service

Loss mitigation drafts from insurance company sent to Mortgage holder for countersign and return for {$7000.00}, {$720.00} for repairs to property, originally sent in XX/XX/2020, and have had no return or contact from Mortgage holder, additional information regarding work appraisals submitted as requested in XXXX/XX/XX/2020, and still no return of funds as requested, document relieving Mortgage holder of lien against property not returned as account from service provider has been sent to collections. They are responsible for lien/negative credit reporting initiated against complainant.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To whom this may concern, It my with great pleasure I want to inform you that You violated my right as a consumers! Please be awaare that ONLY fair and accurate reporting is necessary for the financial system to function! When you reports inaccurate and unfair credit reporting information, it undermines the public confidence pursuant to 15 USC 1681 ( 1 ).

Please be adviised that YOU have assume a vital role in evaluating my Credit report, you have also make sure that you respect my right to privacy! Since I resarve the right to privacy you shall not report any transactions or experience between myself and the person making the report at XXXX The only way communication ammounts other with common ownership it must be clearly and CONSPICOUSLY disclosed to me. Youre reporting information on without no proof or investiigation prior to these items being reported on my credit report.
Product: Vehicle loan or lease

Chase auto and chase bank has been making my life way more difficult by closing my bank account and increasing my monthly payments on my auto loan. Also there business services closed my merchant account deliberately, making it difficult to make payments. I want significantly lower my payments and or reduce debt as a result of their predatory practices
Product: Credit reporting, credit repair services, 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. 

Account name : # 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 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, credit repair services, or other personal consumer reports

I ran my equifax report after receiving a notice that there was a data breach. I noticed several inquiries that I did not initiate. I contacted those companies and each explained that they do not have my information in thier system and show no record of me. They said I didn't to dispute through the reporting agencies. I called Equifax and after a very long g process of validating my identity they explained there is nothing g they can do and they do not dispute inquires and they can not help. The FCRA doesn't apply and they may fall off or they may not. 

I the FCRA clearly states that if information is incorrect that I very much have a right to dispute it. 

The inquires in question are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

First letter sent on XX/XX/year> USPS CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX disputing multiple inaccuracies and incomplete information on account 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Another letter sent on XX/XX/year> XXXX XXXX MAIL # XXXX XXXX XXXX XXXX XXXX XXXX Regarding the same inaccuracies and incomplete inaccuracies discounted in my previous letter with no re-investigation done on these accounts. I would like these accounts deleted for failure to do an investigations or re-investigation under the FCRA
Product: Credit card or prepaid card

I initiated a balance transfer from a Barclays credit card onXX/XX/19 to payoff my XXXX credit card for {$2600.00}. I did a total of 3 balance transfers that day and the other two transfers to other credit cards went fine but after several weeks of waiting I called Barclays on XX/XX/19because the transfer did not show up in my XXXX account. After they reviewed my transfer request it was determined that I had a typo in the XXXX account number ( they only wanted the last four digits ) so Barclays started case # XXXX onXX/XX/19and said it would take a few weeks to resolve. I called back around XX/XX/2019and they said the case had not been resolved and it could take up to 30 days so I called back Barclays around XX/XX/2019 and they said they would escalate the case to the Settlement Department and to call back in 7 - 10 days. I called back onXX/XX/and spoke to a supervisor who said the case was still pending but they would escalate the case again and for me to call back in another 7 - 10 days and the case should be resolved. I called Barclays again onXX/XX/2019 and spoke with a supervisor XXXX - Operator XXXX  who asked me to send copies of my XXXX statements to prove the balance transfer of {$2600.00} did not credit to my XXXX account as their settlement department said they received proof of payment but didn't provide any explanation or additional information. OnXX/XX/ I sent XXXX at Barclay 's my XXXX, XXXX, XXXX Statements from XXXX as well as a page of account activity throughXX/XX/19proving my account was not credited. I called again today XX/XX/19and the case is still pending and they still can not provide me any kind of an update at Barclays and said it would be another 7 - 10 days. Meanwhile I am making payments to both Barclays and XXXX. I notified Barclay 's that I have filed a complaint with the OCC, Colorado Attorney General and CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was accessed from the Equifax Security Breach. 

Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XX/XX/XXXX through XX/XX/XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers.
Product: Credit card

On XX/XX/XXXX, I got {$99.00} charged by XXXX for XXXXXXXX XXXX and I believed that it was covered under my Chase Sapphire Reserve membership. I contacted Chase around the same time about this charge. I was told by a Chase customer service agent that the charge will be credited back once it is posted and it is on record as well. However, I checked it today and I didn't see any charge to be credited. I talked to them and they told me that this membership is not complimentary after the first year and they will not credit that transaction and did not care about what I was told initially by their agent. I felt that I was provided with incorrect information. Chase Sapphire card is very expensive I pay {$550.00} every year for it and the kind of treatment that I got was not expected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting an inaccurate late payment for the XXXX XXXX XXXX XXXX  account ending in XXXX. A 30 day late payment posted on XX/XX/2022. This is incorrect and supposed to be reported as PAID AS AGREED. Pursuant to 15 U.S.C 1681 a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in EXPERIAN violating my federally protected consumer rights. I did NOT give EXPERIAN written instruction/permission to furnish this inaccurate late payment on my consumer report or file. The inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Credit reporting 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  XX/XX/year> XXXX  XX/XX/year>
Product: Student loan

I have been repaying my student loans since 2010 under either XXXX or Navient. I have had serious issued trying to remove my cosigner from XXXX of my XXXX loans I have with them. I 've submitted all the necessary documents and have paid on-time for over a year, which is the requirement, and they still wo n't release my cosigner. I 'm really unsure what other measures need to be taken to release her. If credit plays a role, I have bad credit because I have so many loans. It 's never ending. Navient is not helpful, and trying to reach them via phone is a nightmare. They do n't really care to help. I 'm not sure what joy they get out of being so rude to their customers, but I guess they can since we 're all stuck and have no choice in the matter! I 've also received emails saying there was a change in my due date - then when I pay on that date, I am told it 's late and that nothing ever changed. Must be using a bad direct email tool or something!
Product: Money transfer, virtual currency, or money service

While moving money from personal checking at XXXX Banking XXXX to a XXXX 's credit card through Synchrony Bank my money was illegally held for XXXX week and not available for my personal spending. I made an online payment to XXXX which was debited and cleared from personal checking account at XXXX Banking XXXX XX/XX/year>. The payment of {$1700.00} was not available to me until XX/XX/year>. I would like to know who had access to said currency and was it used in an investment account while being denied access to me for 7 days. I was denied lawful use of my monies for an excessive amount of time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. Also, My information might have been impacted by the XXXX data breach and may have got into the hands of the wrong person. 

XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX ( XXXX ) XXXX Reported : XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Enclosed are : my drivers license, my social security card, proof of my current address, my Federal Trade Commission Identity Theft Report, and a copy of SECTION 605B of the Fair Credit Reporting Act. I am writing to request that you remove/delete and place an immediate block on the fraudulent information listed below from my credit file within XXXX  days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely removed/deleted and blocked from my credit file. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please remove and block the following information from my credit report pursuant to section 605B of the Fair Credit Reporting Act within XXXX  days. I am requesting that the following fraudulent items be deleted and blocked from my credit file. 

Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00} Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00} Account Name : XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6800.00} Account Name : XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting company is reporting inaccurate information on my account. They are not following the USC 15 codes for consumers. I have called each credit bureau to have them look into the matter. I have asked for original documents for the items reporting on my account they never send them the just say that the account was verified. But as the consumer i am the only person who can verify my identity. The have refuse to remove and update any late payments which are also illegal to report. The can't legally give a consumer the choice to opt into an agreement and not the right to opt out. Legally medical records that are being reported without being verified by me the consumer. I have asked the companies who are reporting these items as well for them to be remove and they refuse to verify, i reported it to the credit bureau and was talked to very rudely and disrespectful. I have not been given any resolve and i should have a good credit score and it is keeping me from being able to live a good life and buy a house. This is defamation of character. They are reporting the wrong address, the have an employer listed who i never gave a written consent to review my personal information this is against the law. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see complaint XXXX Contacted Transunion several times via phone requesting they remove a fraudulent credit line inquiry made on XX/XX/XXXX. On XX/XX/XXXX, sent Transunion a request in writing via email, notifying them of the unauthorized pull on my credit report. Request was sent to XXXX per direction of Transunion representative asking to remove the fraudulent inquiry by unknown party of line of credit with XXXX XXXX. On XX/XX/XXXX, Transunion was provided with a letter from XXXX XXXX detailing their findings and a government issued photo ID to verifying my identity.