23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Residential Credit Solutions ( RCS ) forced me to use an escrow account, despite having no legal authority to do so. I request that all funds that were held in the escrow account be returned and refunded to me immediately. It is the only ethical thing for Residential Credit Solutions to do. There was also an overpayment in the amount of exactly {$130.00}, I request that this amount be refunded as well. 

Please see the attached letters from my lawyer, XXXX XXXX XXXX XXXX, dated XX/XX/XXXX and XX/XX/XXXX. These letters clearly narrate and state the abuses committed by Residential Credit Solutions. I have paid my property taxes on time for over ten years now, without ever missing a single property tax payment. I do not see why RCS assumed the responsibility of paying my property taxes, and without my permission or consent. RCS had no legitimate or logical reason to do this. Please see the attached XXXX RCS statements and XXXX of my own bank statements that show the amounts that RCS was charging me in escrow fees. Please note that my monthly mortgage loan payments are exactly {$2600.00}. 

Finally, Residential Credit Solutions informed the Consumer Financial Protection Bureau that they were in fact going to help my refinance my mortgage loan. Please see the attached letter from RCS dated XX/XX/XXXX. They did not help me, they instead transferred the servicing rights to my mortgage loan back to XXXX XXXX XXXX. Please see the attached letter dated XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit one account opened XX/XX/XXXX is reflecting an inaccurate late payment XX/XX/XXXX late and XX/XX/XXXX current XXXX and XXXX and later XX/XX/XXXX on XXXX and Transunion this XXXX is incomplete and inaccurate and in inaccurate balance the XXXX on this card is XXXX as on my report it reflects at XXXX a I have opened a case and was told the information will be updated with XXXX  XXXX for the error on my report the case number is XXXX I have contacted their office of the president and was told that information will be updated and to contact the bureau to dispute it this makes this account incomplete and inaccurate please per FCRA RIGHTS 1 ) 15 USC 1681 ( 2 ) ( a ) ( state 's Transactions and Experiences between the consumer and the person making the report are not included in " consumer Report Please update my report as Paid never late as it violates 15 USC 1681 ( 2 ) ( a ) law by not reporting accurate and complete information I have recent disputed with the creditor and their responds states they report accurate and complete information which is false bc each report shows different late and current payments
Product: Credit reporting

took out a loan from XXXX XXXX roughly two years ago XX/XX/XXXX. This account was created to pay for an XXXX and initiated within the doctor 's office. My understanding was that the account was zero interest for a period of 24 months, at which time the account would begin to bear interest at prevailing credit card rates.I made monthly payments on this account up to and including XX/XX/XXXX. My understanding until very recently was that my account was in good standing and payment status was current. However, only after recently pulling my credit report I learned that I had fallen into default status ( 90+ days past due ). As a result, my credit score has been significantly impacted ( decrease from XXXX in XXXX XXXX to XXXX currently ). Additionally, my account balance has increased from {$5400.00} in XXXX XXXX to {$9800.00} as of this week ( as a result of penalties and retroactive application of 30 % interest ). I never received any correspondence of any kind from XXXX notifying me of a change in account status, interest rate, or required monthly payment increase. Only after calling XXXX proactively did I learn the status of my account ( and only at this point did XXXX begin to contact me in an attempt to collect / inform me of the account status - something I wish they had done six months ago when it went into non-current status ). I had the ability to pay this account in full in XX/XX/XXXX. I also should have been notified of the impending change in interest rate and been given the grace period typically allowed for accounts changing status ( and about to incur retroactive application of interest ). I have spoken with XXXX 's collections/settlement departments in an attempt to settle this account in full XXXX XXXX XXXX principal balance plus a reasonable amount of interest ). Despite multiple calls, I have been unable to find anyone to work with me on settling this as soon as possible. The lack of notification resulted in penalties and retroactive interest which ballooned into an 80 % increase of the account balance over six months. This, in my view, is unreasonable, deceptive and predatory. I have now paid the account in full under protest ( in order to stop further penalties and interest from accruing and further deterioration of my credit score ).
Product: Credit reporting or other personal consumer reports

XXXX is obligated by the FCRA to report accurate accounting. Consumer had advised all the inquiries and said derogatory reported was fraud. said company had 4 days according to the LAW to remove such items. FTC Fraud report was filed on behalf of consumer, consumer is requesting XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer XXXX has 15 days to provide me with name of the person spoken to, documentation used, signed application with consumer wet ink signature. I am not asking for a E-oscar report. If XXXX does not have documentation to show these were in fact authorized it must be removed asap. Said company is liable under the SEC to follow certain rules. XXXX commission file number XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX California XXXX XXXX XXXX is securitizing consumer data yet refuses to provide consumer a copy of their Consumer FILE not Consumer 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
Product: Money transfer, virtual currency, or money service

XXXX XXXX Chase Back in 2020, I had a fraudulent zelle payment on my account that I disputed. At the time, I dont think you could dispute with XXXX directly. So I explained everything and disputed it with Chase, who I was banking with at the time. They then decided that it was not fraudulent and there was nothing I could do about it. I am very weary of using XXXX  and XXXX XXXXo this day because there has been no way of getting a refund ever even if the transaction is fraudulent.
Product: Credit reporting or other personal consumer reports

These accounts were not authorized or initiated by me, and it is unjust for me to be responsible for them. I implore you to promptly correct this error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.
Product: Credit reporting or other personal consumer reports

The account that I am disputing is ( XXXX XXXX ) I have disputed this account on several occasions, and I have been told that this account has been verified! I sent in a letter from the courts that this account was dismissed, and they are still reporting this account on my consumer report. This account is outside of the statute of limitations for me sued, and therefore I want this deleted from my report.
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. 
XXXX account number XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX  account number XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX  account number XXXX XXXX XXXX XXXX account number XXXX XXXX account number 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 card or prepaid card

On XX/XX/XXXX, I filed a quality of product/service dispute with Barclays for a purchase made with XXXX XXXX XXXX XXXX on or around XX/XX/XXXX in the amount of {$6500.00}. I attempted to resolve the issue with the merchant to no avail. In fact, on XX/XX/XXXX, I provided Barclays with an email thread regarding my communications with the merchant. See enclosed. MasterCard regulations allow consumers 120 days to dispute a transaction for quality of product/service. Although the dispute with Barclays was filed 115 days following the date of delivery ( XX/XX/XXXX ) - Barclays closed my dispute and alleged that the dispute fell outside the timeframe. See enclosed. Additionally, Barclays never provided a provisional credit.
Product: Consumer Loan

I purchased a vehicle in XXXX and financed it with Primus financing the car was voluntarily repossessed because of an accident that occurred, and so I had to pay the balance of the loan off anyway. So from the time that I repossessed the car until it was paid off this was around XXXX I believed that it was entirely pay off I had a statement from them on the stated how much I have paid but it was upwards towards {$10000.00}. So I thought that it had been paid in its entirety. So now XXXX years later I get a letter that states that I owed them an additional {$270.00}. The letter stated that it was from a law firm in XXXX Maryland, This XXXX, MD XXXX. They are charging me {$1200.00} for lawyers fees and court costs, which brought the total to {$1900.00}. So I want to know how they can do this without notifying me of the {$270.00} which I would have gladly just paid off if they had proved to me that I still owed it. Now they are garnishing my paycheck and I only make {$10.00} an hour and they are now taking XXXX dollars a week out of my check.
Product: Debt collection

I sent a Letter on XX/XX/2023, here is my Certified Mail Number XXXX, to remove an inaccurate account that I do not want on my credit report. According to the Fair Credit Reporting act 15 USC 1681 I have the right to privacy. Also according to 15 USC 6802 No financial institution is supposed to share my information to third party people, much of this information was fraudulent or perhaps even possible identity theft.
Product: Checking or savings account

My savings account was restricted, and XXXX of the transfers I made was cancelled without any explanation. The bank warning stated that if the issue with the restircted account is not resolved within 90 days it will close the account. I tried to contact the bank but the bank does not have any phone service, only online chat and email. I sent a couple of emails and also tried chat but had not had any response. It has been over 5 days now. The bank does not have any willingness to resolve the issue but only wants to close the account. I don't understand this kind of customer service.
Product: Checking or savings account

Wells Fargo has closed my personal, business and credit accounts for the reason of " business decision ''. I am not involved in fraud, illegal activity and/ or etc. 
Furthermore, they have frozen {$1400.00} of my credit card cashback rewards.
Product: Credit card or prepaid card

I believe Wells Fargo makes the payment process very difficult and tedious in order to generate late fees. I don't think their process is intuitive and their technology is outdated. Setting up recurring payments is notoriously difficult.
Product: Debt collection

I have called this Company Blakeley Witt & Associates to pay the {$380.00} that shows that we owe on my XXXX Credit report. When I called the company today @ XXXX they are saying that we now owe {$550.00} and that the amount goes up every year and that it will go up again in XX/XX/XXXX. This is fraudulent. This credit report was pulled today. Verified with XXXX Credit Rep. This {$380.00} has been reporting to this credit bureau since XX/XX/2012. We would like to pay {$380.00} but nothing more because we are going off what is reported. Have been declined for a place due to this ONLY thing that is stopping us. Orginal Creditor is Estates of XXXX. now called XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2020 I attempted to get my credit report online through XXXX  XXXX XXXX ( " XXXX '' ). I was denied access to it online. I had given them my correct information. I then called their telephone line and again gave them my same information, which it accepted. I was told it would be sent within 15 days. It has been well over 30 days and I have still not received said report. I chose to get a report from only one of the agencies ( Experian ) so as to be able to request from the other two ( 2 ) at a later time. However, again on XX/XX/2020, I called " XXXX '' expecting to be able go speak with someone about not receiving the report, but there were no options to speak with anyone nor a prompt asking if you had ordered and not received your report. Therefore, I went ahead at that time and ordered a report through them from XXXX, which understandably, has not been received yet. Also, no correspondence has been received from XXXX or any of the reporting agencies stating there were any issues. Thank you in advance for your assistance with clearing up this matter.
Product: Mortgage

I have a Home Equity line at Flagstar. They sent me a letter stating I can longer use it. Because of a change in my credit report I went under XXXX score. My score is XXXX. That was never mentioned or stated when I closed on it. Also I wrote a check for XXXX before they sent the letter that they put a stop payment on. Bouncing other checks and I'm getting fees for bouncing checks and my credit union froze my account. I never missed a payment
Product: Debt collection

Delete this account since you can't demonstrate that it belongs to me, despite the fact that you're reporting it without any supporting evidence. Please give proof that my rights have not been violatedand that this account should be shown on my credit record. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Debt collection

This account has been persistently popping up on my report since XX/XX/2022, and is a result of identity theft. I have already submitted my Identity Theft Report to XXXX through the CFPB XXXX. 

I first noticed this account in XX/XX/2022, at which point is started fighting it. It was being reported by Credence Resource Management. 

After disputing and proving that it was identity theft, the account was removed from my report. THEN XXXX sold it to XXXX XXXX, who attempted collecting on it. I again submitted an identity theft report, along with additional documentation proving that my identity was stolen and being used. 

The XXXX XXXX went off my report about 2 months ago, and XXXX is now trying to collect AGAIN through Credence Resource Management who is calling me telling me I owe them for XXXX. 

I demand that XXXX THROWS OUT THIS ACCOUNT AND STOPS HARASSING ME OVER AN ACCOUNT THAT I HAVE THOROUGHLY PROVED TO NOT BE MINE. 

All contact regarding this matter should be sent to XXXX XXXX, my attorney will handle it from here.
Product: Credit card or prepaid card

XXXX XXXX is an account holder of many services from USAA, but she has recently passed away. However XXXX has passed away as of XX/XX/XXXX. There are 2 insurances withdrawn from XXXX, there is an outstanding debt on a credit card, there is also a " subscribers '' account. I go on to her online portal and attempt to work with someone regarding her situation and they are not helpful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to work with the 3 credit bureau and they still continue to report in accurate information and provide no proof of executed contracts with my signature. This inaccurate account and you nor the creditor has not provided any contract with my signature to prove that I own this account or opened this account. Who validated this? This account shows that it is in collection, however the payment history is reflecting OK and still showing as an OPEN account. How is that possible, please delete as I will pulling my legal team to review as this is reporting incorrectly and by law it needs to be DELETED.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute negative and erroneous claims that werent resolved. I respectfully request a review of the circumstances and request that this matter be resolved in a fair and just manner. 

Specifically, the nature of the noncompliance charge and the related allegations of negligence seem to have been based on incomplete or inaccurate information. XXXX, XXXX & equifax both has incorrect reports on my credit profile. 

To the best of my knowledge, I have fully complied with all relevant standards and regulations. 

I kindly ask that you reconsider the details of the claim, as I believe that the circumstances surrounding this situation have been misinterpreted. 
I look forward to your prompt response and a resolution to this situation Thank you for your time and attention to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the incorrect information. The company received the information from XXXX XXXX indicating that the late payments were reported in error. The company only removed the two thirty day lates. They did not remove the 60 day late although XXXX XXXX indicated that the payments were posted incorrectly. I was not late in XXXX or XXXX so there is no way that there was a 60 day late. I applied to refinance my house after I was told everything had been corrected. I was denied. I want the incorrect information removed, the inquiry removed, and my credit rescored.
Product: Mortgage

On XX/XX/2020, I remitted payment to my loan servicer, Dovenmuehle Mortgage , Inc. via XXXX XXXX XX/XX/XXXX. Attached please find a ledger showing both the XXXX mortgage payment, and the XXXX mortgage payment. Thereafter on or around XX/XX/2020, I received notice that Dovenmuehle Mortgage , Inc. transferred the loan to XXXX XXXX. At the time of the transfer, I was not in default or delinquent in my mortgage loan status. 

On XX/XX/2020, I refinanced my mortgage with XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, thereby paying off the mortgage loan owed to Dovenmuehle Mortgage , Inc. and its successor in interest, XXXX XX/XX/XXXX. 

Dovenmuehle Mortgage , Inc. failed to deposit the XXXX mortgage payment. Dovenmuehle Mortgage , Inc. further failed to forward the XXXX mortgage payment to XXXX XXXX. Irrespective of the XXXX mortgage payment, both Dovenmuehle Mortgage , Inc. and XXXX XXXX  were paid-in-full as a result of the refinance on XX/XX/2020. 

On XX/XX/2020, Dovenmuehle Mortgage, Inc. caused a derogatory trade line mark to be placed upon my credit. As a result of the derogatory mark, my credit score dropped from XXXX to XXXX. 

Please note the following violations of law : 1. Dovenmuehle Mortgage , Inc. had no legal authority to report to the credit bureau on XX/XX/2020 as it was no longer the servicer of the loan, and the loan was not in default. 

2. Under Federal Law, neither Dovenmuehle Mortgage, Inc. nor XXXX XXXX  were permitted to treat any payments as late during the 60-day period following the transfer from Dovenmuehle Mortgage , Inc. to XXXX XXXX  on XX/XX/2020. See 12 CFR 1024.33 3. Dovenmuehle Mortgage , Inc. and its successor in interest, XXXX XXXX, were paid-in-full during the refinance on XX/XX/2020, and therefore the reporting to the credit bureau on XX/XX/2020 was defamatory and I suffered damages in the amount of {$130000.00}. 

Lastly, neither Dovenmuehle Mortgage, Inc. nor its successor in interest, XXXX XXXX have refunded me for the mortgage payment of {$1100.00} that is an overpayment due to the refinance. Both banks were required under federal and state law to refund the overpayment and have failed to do so. 

The collection and billing practices of both banks needs investigation. If the banks do not have sufficient policies and procedures in place to avoid reporting to the credit bureau during the 60-day loan transfer, and do not have policies in place for the transfer of mortgage payments from one servicer to the other servicer, and do not have policies in place for the refund of overpayments, the banks need to be sanctioned.
Product: Checking or savings account

i filed a dispute several months ago and i have not received any correspondence regarding the dispute of a debit card transaction dated XX/XX/2020 in the amount of {$29.00} from a vendor named XXXX  XXXX. The bank has not resolved this issue and unable to see any progress on the case when i call. Case number is XXXX