23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Ladies/ Gentlemen, We were shocked when we received our XX/XX/XXXX Mortgage statement that showed an increase of our monthly Escrow contribution of {$350.00} per month. We requested that PNC bank close our escrow account and they responded with a consent form that demands {$830.00} as a closure fee. We never signed any documents with PNC as we originated this Loan through XXXX XXXX XXXX. XXXX gave the Servicing of the Mortgage to PNC in XXXX, XXXX. In our letter of XX/XX/XXXX to PNC, we requested that PNC explain the fee demand and also notified them that they owe us a refund for {$920.00} for the monthly tax contributions of {$180.00} for the months of XXXX through XX/XX/XXXX. The taxes for the year XXXX  were paid in full as of XX/XX/XXXX. ( They also owe us for the monthly Insurance contribution ) We enclosed the Townships Tax statement for XXXX XXXX XXXX along with their own PNC Annual Escrow Account Disclosure Statement dated XX/XX/XXXXXXXX  as proof that they in fact owe us these funds. The letter also requested that they explain these discrepancies so that we could execute the Escrow Account Closure Consent form in Good Faith. Their letter dated XX/XX/XXXX does not address our request for clarification nor acknowledges the refund due to us. The letter once again demands the closure fee of {$830.00} and states that they do not accept On Account Payments. We paid the XX/XX/XXXXXXXX  Mortgage Invoice at their branch office with a check that showed the separate Principal and Interest dollar amount in the advice section. ( All Documentation and pertinent copies are readily available for your convenience, in case of technical difficulties ). We Thank You very much for your assistance regarding this matter as this has caused us a lot of stress during the Holiday Season. Sincerely,
Product: Debt collection

XXXX ( XXXX XXXX XXXX This is a very urgent message our office is made several attempts to contact you we are awaiting your return call today this is in reference to a matter that was issued with our processing department for final recommendation please call the office back immediately so that you may speak with a live representative who is handling your file thank you and have a great day I called them they could validate the debt and told me that they would take legal matters to sue me and that could garnished my wages. They said a loan I took out 2010 I wasnt in the states while in military. So this a complaint they also called from several with same messages.
Product: Credit reporting or other personal consumer reports

I have made a complaint of my inaccuracy could be reporting on my late payments on my XXXX and Transunion account. I submitted a complaint into your but the dates I had on there was the wrong dates for the accuracy and I looked at my reports and I seen the different dates of the accuracy of the reporting of my credit report and Im resending you information on both of the credit reports that are an accurate dates of late payments and I would like to remove this off my account because discount never was late And the transaction XXXX XXXX and Im sending you a new copy of the dates that was in accurate on my credit report
Product: Bank account or service

To whom it may concern ; I recently sent a complaint via the CFPB against Navy Federal Credit Union, Case # ( Case number : XXXX ). I received a phone call from a representative from NFCU, XXXX XXXX on Tuesday, XX/XX/2017 @ XXXX. He left a voicemail to which I immediately called him back and we subsequently spoke for 35 minutes concerning my issues with his institution. He stated that he would either be calling me back later that afternoon or at the very latest the following morning, Wednesday XX/XX/XXXX to discuss his findings and the next steps accordingly. At this juncture, I have yet to hear back from him or anyone else re [ resenting this institution. I am extremely concerned that this account is now 54 days past due and I am in desperate need to try and resolve this before the 60 day mark. This means that I now only have 5 more days to rectify this situation or else NFCU will report a 60 day late to the ( XXXX ) credit bureaus ; XXXX, XXXX and XXXX. As noted in my previous claim and the conversation I had with XXXX XXXX, NFCU has already reported a 30 day and I fear extreme penalties with not only NFCU but additionally my other creditors accordingly. 

This is simply yet another example of how not one single person re [ resenting NFCU has carried out what they stated they would do. All the while, me the customer is paying for it via XXXX, financially and soon to be ever more so credit worthiness. I feel that this is unacceptable and simply do n't understand why no one seems to care enough. I would have thought that at the very least if the only motivational factor for the bank would be for them to get paid for the outstanding debts I have accumulated, they would at least rectify these concerns. I would appreciate someone calling me back today regarding both of the cases so that me and my family along with NFCU can hope to take the next steps so that we can all go back to some form of normalcy defined as no delinquent payments and 100 % visibility within my accounts. I can be reached absolutely any time @ XXXX. 

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

I changed my address I did not receive any statements in the mail. On top of that they trashed my credit score over a small amount of money. When I worked extremely hard to sustain my scores. Its not fair I got no statement in mail. I changed my address with the manager XXXX XXXX. In XXXX pa My mother pays my bill because she holds this card. Its not fair I got my credit trashed with out being warranted of the statement that I never received.
Product: Checking or savings account

XX/XX/2023 Dave Inc Have never deposited any money into my bank account they continue to withdraw from my bank account and my bank doesn't have any deposit into my account from Dave Inc and I request a full refund.
Product: Mortgage

On XX/XX/2021, My wife, XXXX, and I emailed XXXX XXXX at Citizens Bank NA inquiring about their medical professional mortgage program. This began a series of emails in which XXXX indicted that we qualified for this program and that our rate would be between 2.875 and 3.0, given our credit scores, home price, and loan amount. On XX/XX/XXXX, we completed an online loan application with Citizens. On XX/XX/XXXX, XXXX emailed us a few times including an email that offered the opportunity to lock in the rate of 3.0 with .25 points. We asked him to lock that rate in, and he confirmed that he had. We asked for a loan estimate, and he sent us what we believed to be a loan estimate ( but it was in fact a " pre-application cost estimate '' ). On XX/XX/XXXX, as part of our loan shopping process, we realized XXXX had not sent us a loan estimate, so we requested one over the phone. He told us that he could not give us one for at least 7-10 days because we first had to put in a formal loan application ( which we already had, since we had provided the 6 necessary pieces of info ). He said he could not provide us a loan estimate, but he did send us a rate lock agreement. XXXX told us we could not have more than one mortgage application open at a time, and he told us that it was illegal for another lender to " beat '' another lender 's rate. He discouraged the mortgage shopping process. 

We called the Citizens mortgage broker line to dig deeper and spoke with another loan officer. He told us that they intentionally ( and unethically ) don't ask for the address of the home in the application to avoid triggering XXXX ( a loan officer with another lender actually overheard him saying it because he was on the phone with my wife at the time ). While we didn't provide the address in the application ( because there's no place to ), we did provide it on XX/XX/XXXX along with our home purchase agreement. So, our application on XX/XX/XXXX ( or at least XX/XX/XXXX when we provided the address ) included all necessary info and should have triggered XXXX and entitled us to receive a loan estimate. 

We would like to receive the loan estimate that we are legally entitled to receive, including the terms outlined in the Rate Lock Agreement we were provided.
Product: Mortgage

I have made multiple phone calls regarding deferment XX/XX/XXXX - I spoke with XXXX regarding Loan Modification and I was told that the new APR would be around 2.75 % but the loan will be extended to another 30 years. She confirmed that the forbearance ends XX/XX/XXXX. 
XX/XX/XXXX - I spoke with XXXX who told me I need to sign the expense statement and provide a copy of most recent paystubs within 30 days XX/XX/XXXX - I spoke with XXXX. We discussed the OPTION of DEFERMENT as I DECLINED the loan modification that was sent to me because the APR is STILL > 4 % plus the loan is now 40 years. IT DOESN'T make any sense whatsoever. XXXX confirmed that the forbearance ends XX/XX/XXXX XXXX - I spoke with XXXX. he said there are no other notes in the system. He said he will escalate the situation to a supervisor and to call next week to follow-up XX/XX/XXXX - I spoke with XXXX who said EVERYTHING IS SUBMITTED but there is no decision yet and they haven't reached final terms. He confirmed that the forbearance ends XX/XX/XXXX XXXX - I spoke with XXXX who transferred the call to XXXX. She said the case has been escalated on XX/XX/XXXX for deferment review but the case is closed XX/XX/XXXX. She was not able to find out why. She couldn't get a hold of a supervisor so she asked me to call next business day. 
XXXX - I spoke with XXXX from loss mitigation who said THERE ARE NO NOTES AT ALL REGARDING DEFERMENT. He " advised '' me to sign the loan medication sent before so they have something in writing that I declined it. I don't understand why when 3 other people before him confirmed that the deferment request has been sent! I asked to be transferred to a supervisor but NO ONE IS AVAILABLE. 

Every time I ask to speak with a supervisor no one is available. NO ONE ever called me back to give me update. Their Customer service line doesn't have an option to speak with anyone unless you pick the option for payment with an agent. No one seems to be available to help me and I am getting very anxious since forbearance is ending soon. I can not pay > XXXX at one time to get the account current.
Product: Debt collection

Company calling themselves XXXX XXXX XXXX. Have contacted a 3rd party person, regarding a debt they claim I owe. They have given information to this 3rd party to include last 4 of my social security number. They then threatened to have someone come to my employer and serve legal papers on me. 
These calls occurred XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019. I contacted their office on XX/XX/2019 and requested they cease communication with the 3rd party. However, the calls continue to the 3rd party cell phone. 

Upon contact, was able to determine they are a debt collector and are attempting to collect on a tertiary debt. The claimed debt is at least 5 years old and outside any legal Statute of limitations for my state. Asked for address to mail a cease calling letter and they refuse to give an actual name or address. 

The phone number they leave to call back to is : XXXX
Product: Mortgage

So i applied for a morgage loan and the loan officer named XXXX was not very good with communication. Ive never met her she did everything through emails. I had to call several times till i finally got to speak with her over the phone. She wouldnt give me details of what was going on with my loan. I didnt know if i appproved or if i didnt and she told me about three different loans sonot sure which one she got me. I repetedly asked her about closing cost and told her i need to know cz i dnt have that kind of money if it was to high. She said it would be about 4500 or less them she drew up a conyract and said i needed XXXX XXXX for closing then it changed on another email said i needed XXXX, XXXX and i told her i didnt have that kind of money but i would try my best to get it and how long i had .she said not till XX/XX/XXXX and i said ok good. I sold everything i had that meant allot to me and i call her three weeks later and she emails me and sais she canceled it but then again never spoke to me about it ever ... im left with nothing ... this was suppose to be a first time good oppurtunity fo my family and a furst time home buyer and i feel like i was treated unfairly and completely cluless to it all of what was going on
Product: Debt collection

XX/XX/XXXX2018 : I called to inquire about a collections amount on my credit report. XXXX XXXX was whom I spoke with. He refused to tell me the original amount I owed, and whom I owed the money to. Thus, refusing to validate the debt. XXXX also informed me that his company does not own my debt and is just collecting on behalf of the original business. The way they make their money is from the interest on the debt. If they do not own my debt, how can his company charge me interest? Seems fraudulent to me. I was told that he could not provide me with the details of my original debt because medical records do not have to be held for the amount of time that has passed. XXXX became angry when I began to question his reasoning. He then told me that he indeed knew who I owed money to, but he wasn't going to tell me because he didn't want to, and he doesn't have to. These people should not be in business. They are clearly extorting people out of their money and threatening them with a big mark on their credit score. People will pay these thugs because they don't know any better. I need this off of my credit score completely ; like it never happened. It is upsetting to know that this company has access to my social security number. I appreciate any help I can get with this. Thank you.
Product: Credit card

To whom this may concern : In XX/XX/year> Synchrony Bank lowered credit limits and then ultimately closed 2 active retail cards ( Sweet water Sound and Lowes retail cards ) that were in good standing. There were no changes in my credit profile or employment status to justify them to lower limits and close them. 

2 charge offs were reported to the credit bureaus which tremendously lowered my scores and credit worthiness. I paid off all balances of closed accounts in full. Synchrony Bank reported them as " Charge Off Pays as Agree ''. I've made numerous attempts to get them to rectify this issue which is affecting my purchasing power for loan accruement such as Mortgages, Auto loans, loan for my daughters wedding etc. From my research Synchrony Bank is notorious for closing active accounts in good standing.
Product: Mortgage

This debt was included in a Chapter XXXX Bankruptcy and the loan was not reaffirmed nor would the Judge of the Bankruptcy grant a reaffirmation because of the balance. They tried to do a loan modification with me and put me on trial payments, I have {$4800.00} sitting in a Suspense account that they have not applied to my account that i had with them. I have asked that funds be returned to me from U.S. Bank Home Mortgage and they are refusing to return the funds to me. This debt was discharged in my Bankruptcy back in 2012. I spoke with a guy named XXXX I was told that they call him XXXX, who was very rude about the situation, and point blank told me that I was n't going to get the funds back from U.S. Bank and they I should have never sent them in. U.S.Bank is in litigation in the United States District Court for the XXXX District of Florida Case No. XXXX, for charging people for placing Hazard, Flood, Flood Gap, or Wind place Insurance policies on Consumer 's residential property.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding fraudulent items associated with my account or the activities despite multiple attempt. I believe these items are fraudulent, and I request their immediate removal and resolution. 

I trust that Credit Bureaus takes this matter seriously and will conduct a thorough investigation into the fraudulent items in question. I expect a prompt and diligent response, and I reserve the right to take further legal action if the issue remains unresolved. 

Despite my persistent and genuine efforts to rectify this issue in accordance with the Fair Credit Reporting Act ( FCRA ), these fraudulent items continue to tarnish my credit report. This situation is detrimental to my financial well-being and overall quality of life. 

Please acknowledge receipt of this complaint in writing within the specified timeframe and provide a contact person and their direct contact information for further communication. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$0.00}.
Product: Checking or savings account

Teller at this location is not trustworthy. 
My Debit card number was stolen. 
I use this Debit card only for withdrawals at this Bank location. 
The Debit card number was stolen and misused. 

Truist Complaint Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent XXXX LETTERS previous letters to you, all by certified mail requesting that you remove inaccurate information from my file and you have failed to do so.Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. 
I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Product: Credit card

I have contacted the fraud department on several occasions and have repeatedly stated that these are not my accounts. Up Until XXXX/XXXX/2015 they still have refused to remove these accounts and I am being bothered by harassing call regarding me delinquent account. 
XXXX : Processed Date XX/XX/XXXXDate Reported XX/XX/XXXX-XXXXProcessed Date XX/XX/XXXXAccount Number XXXXCreditor Name XXXX Type Home Electronics Sales and ServiceAmount Delinquent $ XXXXPayment Status Late 60 DaysCreditor Preferred Contact OtherAddress XXXX XXXX XXXX XXXX, SD XXXXComments Statement added because consumer was a victim of true-name fraud : # XXXX # IFCRADelinquent Account : A delinquency has appeared on your credit report. 
Here are the details of this alert. 
XXXX : Delinquent Account : One of your accounts has become delinquent. 
Here are the details of this alert. 
Processed Date XX/XX/XXXXDate Opened XX/XX/XXXXAccount Number XXXXCreditor Name XXXX XXXX XXXX XXXX XXXX , SD XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All three of the credit bureaus appear to be sending out very negative information, possibly unsolicited, to credit card companies. This caused my credit limit to be lowered. I have never missed nor been late with a payment and had been making good headway into the debt. The credit limit was lowered on a XXXX XXXX XXXX card causing the utilization to shoot up to 94 %. This is going to negatively affect other cards. I feel this is being done maliciously and with intent to hurt minorities during Covid. I  have never missed nor been late with a payment.
Product: Student loan

This is my 3rd time submitting a complaint about how Fedloan Servicing has handled my payment count, with the most recent complaint being submitted in XX/XX/XXXX, which was not completely resolved. I contacted FedLoan Servicing to request they correct my payment count for the payments that I made in the " Paid Ahead Status ''. Paid Ahead Status occurs when a person pays more than the minimum payment required in any given month. However, in the past when payments were made in this manner, the following month would show a lower payment needed to ensure the payments amount is satisfied. I have nine months where I previously made a higher payment, resulting in my account being in " Paid Ahead Status ''., and then the following months showed a lower balance/payment that was needed. I paid the lower amount in nine different months, which still made my account current. These payments are now supposed to be counted in the TEPSLF payment count. However, Fedloan Servicing has not applied these payments towards my TEPSLF payment count. The months needing to be added are the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX - this is according to the documents that Fedloan previously submitted to me ( see attachment ). Please correct this and have the payments applied so they will count towards the TEPSLF program. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed A copy of my consumer reports with XXXX, Transunion and XXXX and have noticed an account from XXXX has reported as charged off and reported A balance. Back in XXXX I had A XXXX television and sound tower financed threw XXXX XXXX and with the purchase I had insurance with covered the items I leased in the event they where stolen.. On XX/XX/XXXX my home was broken into and the items I leased from the above company was stolen. As A result I filed A police report and informed them immediately that I no longer had the items. I was informed I would have to provide A police report to have the account paid by the insurance and closed out as paid in full. I first submitted the report the incident report on XX/XX/XXXX and was contacted later and informed they could not use the incident report and needed the actual police report. I then reached out and informed them the police had informed me I would have to wait on the report via mail and after I received it I would send those documents. On XX/XX/XXXX In sent the police report via mail and called to advise it was on the way. On XX/XX/XXXX I called again and was informed they had not received the report. This time I went into the local XXXX XXXX XXXX in which XXXX XXXX is located and provided them A hard coppy of the report and was informed it was be uploaded to my file. 3 Years later I am reviewing my report and notice the account has never been updated as paid in full and instead is listed as A charge off. This is illegal and A violation to FCRA to report inaccurate information. then reached out to XXXX XXXX On tuesday XX/XX/XXXX via phone explained this situation and he informed me to email him A copy of the report and he would foward it to the correct person. He informed me I would hear something back within 48 business hours and I have not recieved any sort of update A week later. Ib ahev subnmitted A dispute with the consumer reporting agencies ith this information coming back as verified although it is truly an account that should not be on my credit report. I have attached the copy of the police report below along with the communication I have had with XXXX at XXXX XXXX.
Product: Prepaid card

This is now called Flagstar. I cant get my account number but its the last XXXX of the card. Its for XXXX XXXX. This is for a family leave. After my brother XXXX, my sister in law was stealing and XXXX I have start to make complaints back at the end of XX/XX/2024 now the are saying XX/XX/XXXX I have to wait 45 days, they made every excuse then postponing the progress, I ask if I can speak to the fraud department or have the number so I can go to police station and have a cop help me. I have XXXX small children and now we are homeless. I have been hung up on and hours and hours to talk to someone. Which clearly shows Im not the only person this is happen too. Now all the state funding is going to this for every Jersey resident. I sign theft affidavits