23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I purchased a home in XXXX XXXX XXXXXXXX4.25 % 30 year through a lender that uses XXXX to sub-service their loans. In XXXX XXXX the XXXX reduced MIP by XXXX basis points. I did a FHA Streamline Refi in XXXX XXXX through the same lender ( MIP reduction plus new interest@3.25 % 30 year ) and Cenlar remained the sub-servicer. Later in XXXX I noticed something was weird with my loan breakdown screen in XXXX. Someone determined that the MIP was being incorrectly collected, issued me a refund check and for the past year, each month they collect too much from escrow and refund some back. Then, this month ( XXXX XXXX ) I receive a statement from XXXX saying that I now have a shortage amount in my Escrow account and that I owe them money ( over {$5000.00} ) within 30 days and my mortgage payment is going up staring XXXX XXXX. I have been calling Cenlar trying to work with them to figure it out, they transfer me to Lakeview Loan Sevicing 's Refi Department ( I have never heard of them but apparently they bought the loan from the original lender ) and Lakeview tells me they do n't know why XXXX transferred me to them as they only originate loans ( they also use XXXX to sub-service just like the original lender does ). Because I can see my old, paid off FHA purchase through my XXXX account as well as the newer refi through my cenlar account, I noticed that besides the MIP error they made, it looks like what they collected for escrow/taxes is much less on the refi than it is on the original purchase. XXXX has admitted on calls with me that there were errors at closing, but says its not their issue. I do n't believe that I should have to pay for errors that the lender/escrow company made. I believe that the loan amount should go up a small amount monthly ( from what I estimate, around {$200.00} to make the tax withholding the same as it was on the original purchase ( as taxes generally do n't change in a 6 month period ) ) to make sure there are enough funds in the escrow account to cover taxes, etc. But with errors by the lender/escrow company and my fully executed loan docs showing what I am currently paying as correct, I should n't have to pay the deficient balance, the lender or escrow that made the error should. Also, my original purchase loan amount was {$3200.00} ( never late ) - since the refi it was {$2400.00} ( never late ) now they are saying that it will go up to $ {$3200.00} staring in XXXX XXXX? How can that be correct? I reduced MIP and interest rate on the same ( if not less ) loan amount and now my payments are the same again? Someone needs to fix this. NOW. I have timelines, names, etc. of who I spoke to at XXXX. What is also interesting is that they say the last notes on the account are from a man, but I only spoke to XXXX women, so I am suspect that they are also changing things on their end because I have been on top of this and trying to get the responsible party for the numerous errors in disclosure/escorw/closing, etc to cover this and make it right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments with XXXX XXXX  formally known as XXXX XXXX  on account number XXXX for a XXXX XXXX XXXX This vehicle was awarded to my ex wife XXXX XXXX XXXX, Social Security number XXXX in our divorce decree. Cause NO. XXXX. 

XXXX XXXX Beginning XX/XX/XXXX, XXXX XXXX XXXX is ORDERED to provide timely payment of any and all debts secured by the XXXX XXXX  XXXX awarded to her herein. IT IS FURTHER ORDERED that at the time that XXXX XXXX XXXX receives her portion of the equity from the marital residence as stated above, any and all debts secured by the vehicle awarded herein shall be paid in full from her share of said proceeds.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I've sent Disputes for unknown and inaccurate accounts on my credit report over 30 days now but there's no response yet. I was a victim of XX/XX/XXXX Data Breach. I demand to deleted all the accounts or I will file a litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Experian failed to comply with the rules under 15 U.S. Code ss 1681c-2 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, not later than 4 Business days after the date of receipt. 

I submitted an ftc report as well as a letter disputing the fraudulent items thats on my consumer report, as well as my id, bank statement, and utility bill. I demand that the following items are deleted and blocked immediately : XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all three companies bureaus XXXX, XXXX, and equifax on numerous occasions regarding my personal credit report wanted to know why my credit score keeps dropping when in fact i never apply for credit and my bills are always paid on time.example signed up with XXXX credit monitoring service, however i'm at a XXXX credit score for 3 weeks, then i check on XX/XX/2018 and my score dropped 9 points over night in addition my score dropped 18 points with XXXX, and 10 points with equifax, so my plight is if all my bills are being paid on time and i never applied for more credit and there is no negative information being reported then why is my score dropping this appears to be an personal vendetta against me for having lawsuits with all 3 credit reporting companies in the past.In addition they are not reporting that i have a mortgage which i signed on with XXXX XXXX XXXX as well. They are also reporting accounts which have been resolved with XXXX XXXX XXXX and ect. Please help me resolve these issues because it appears they have a personal vendetta against me for filing lawsuits against them for wrong doings.
Product: Credit reporting or other personal consumer reports

I just look at my credit report again and according to 15 USC 1681e ( b ) you are supposed to provide MAXIMUM accuracy of my credit report. 

ACCOUNTS XXXX  XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXXXXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX DELETE THIS ACCOUNT because of violation of 15 USC 1681e ( b ), 15 USC 1681i ( 5 )
Product: Credit card

On XX/XX/XXXXXXXX XXXX XXXX  I ordered a pair of XXXX XXXX sneakers, size XXXX XXXX., order # XXXX. I payed {$42.00} using my Target Mastercard from TD Bank, NA. My order arrived XXXX on XX/XX/XXXX. This package was not damaged, came in a plastic bag which contained the box with the sneakers inside. After opening the plastic bag then the shoe box, I saw one XXXX sneaker I ordered. As I moved the white paper covering the other sneaker, I immediately noticed it was a totally different sneaker, a XXXX XXXX XXXX XXXX XXXX XXXX that appeared to be used. I immediately emailed XXXX of this issue on XX/XX/XXXX than again on XX/XX/XXXX with no response. I eventually emailed XXXX thru there web site but also to another email I found for the company, ( XXXX ) This was a lengthy, in depth email. I then did receive an email back from XXXX on XXXX in which they replied with understanding my dissatisfaction an issue. They provided a return shipping label and ask for pics of the delivery if possible, which I provided back in a email. XXXX further stated to let them know when the sneakers are returned so they can issue an early refund. I printed out the return label, see attached, mailed the sneakers back on Saturday, XX/XX/XXXX and was delivered back to XXXX on Tuesday, XX/XX/XXXX @ XXXX pm. I had also informed my target credit card and began a dispute as well. Since XXXX has received the returned item as of XX/XX/XXXX, to date, XX/XX/XXXX XXXX has not refunded my target credit card nor has Target credited back this amount of {$42.00}. I have provided evidence, pics, cc mailing information, tracking and delivery information to target credit but they still have not credited my target credit card back. I have tried emailing XXXX again as to not crediting back my credit card the {$42.00} but the company is, it appears to not respond. XXXX received back there wrong/damaged or incorrect product but are now not credited back my credit card, keeping my money, {$42.00} and target credit card will not credit back this dispute to me, the consumer and customer my {$42.00} as this merchant, XXXX is illegally keeping, and depriving me of a refund. This would rise to theft and I will forward all related discovery evidence, purchase receipt, refund emails and commissions to the XXXX the New Jerseys Department of banking and insurance against Target credit services, and forward the same to the Federal trade Commission and NJ State Attorney Generals Office for filing a formal complaint of theft against XXXX XXXX. I will also file a formal complaint with the Comptrollers office against Target credit services for failure to provide proper adequate refunds under this situation of theft by a merchant, XXXX even though Target has been notified each step in this complaint, including a phone call with Target customer service support today, XX/XX/XXXX whos representative, also filed a formal complaint to this matter.
Product: Debt collection

I logged on to my XXXX XXXX account today and saw a new account in collections. It was a different collection agency but the same account that had already been removed previously because I didn't take it out. The new company is called XXXX XXXX XXXX who are collecting for XXXX XXXX. They say I opened the account in XX/XX/2017. Which I know for a fact wasn't true because I wouldn't open a new credit card account ( and wouldn't be able to ) when I had lost my job and was being evicted. I call and they tell me that I bought new tires for my truck, which I didn't. The only truck I have hasn't run properly in five years, I am not putting thousand dollar tires on a truck I can't use. It has already been removed as fraud, now they are just harassing me and putting it on each report over again, weeks before I buy my house as well!
Product: Mortgage

my name is XXXX XXXX. I am in desperate Need of emergency assistance. My friend of 18 years XXXX XXXX XXXX is and continues to be abused, punished, tortured, manipulated -- and illegally slowly forced to XXXX I am a XXXX -- currently unable to pay for renewal -- my friend XXXX is an XXXX -- who is a XXXX veteran a XXXX man with 20 years -- and a former postal XXXX of 20 years is being forced to die. I physically went to elder abuse and social services -- to report that his son XXXX XXXX XXXX and his daughter XXXX XXXX XXXX with her boyfriend XXXX XXXX are forcing extreme abuse. They have committed fraud through his home through XXXX and XXXX XXXX -- WHO ARE CONTINUING TO ABUSE ME THROUGH A PROPERTY I OWN IN XXXX AT XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX -- this is severe fraud that property through my XXXX  XXXX XXXX XXXX and XXXX my sister and theft and fraud please help me and XXXX I am at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX being forced to die illegally also through utility and gas control -- the police and courts are involved in the fraud please help severe theft throught phones, mail banking etc,
Product: Mortgage

My escrow was analyzed XX/XX/2023 The Mortgage company has miscalculated my taxes. I pointed out the mistake and they ordered a new analysis. the second analysis has made the problem worse. I filed a complaint with in the company and now they say they are not allowed to speak with any more. The problem is still not corrected and they are saying I have to pay the higher amount or they will report a delinquency to my credit report. I have faxed several request to their office of the customer and gotten no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove this account from my credit report XXXX  the credit reporting agency because this is a mistake, this account doesn't belong to me. You can find the account information below : Identity Theft SANTANDER Account Number : XXXX This is not mine.
Product: Credit card

Despite my attempts to resolve inaccuracies on my credit report, American Express has not taken appropriate measures, raising major compliance concerns in relation to the FCRA/FDCPA. The handling of my disputes has been inadequate and violates the FCRA. Specific issues include Delayed Responses : My inquiries have gone unanswered for an unreasonable time, violating my right to prompt dispute resolution. Inadequate Investigation : The institutions investigations have been superficial, failing to address my specific concerns and failing to respond to the Illinois Attorney General. Non-Compliance with Consumer Protection Laws : The institutions lack of responsiveness and transparency raises serious compliance issues, concerning the FCRA and the FDCPA.
Product: Debt collection

I sent Enerbank dba Regions Bank a certified letter on November 20, 2024 requesting - A copy of the original contract between myself and your company. 
The original application for this account with my signature. 
FULL detailed accounting history on the account and the calculations on how they reached the amount owed. 
Provide verification on any judgments connected to this account. 
Please show proof that the Statue of Limitations has not expired in my state for this account.

Provide the date of the last payment on this account.

I have heard nothing from Enerbank. Enerbank is appearing on my credit reports as a charge off with a balance due of {$12000.00} and reporting me as a late payment every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are not mine and i need them to be removed from my XXXX credit reporting agencies. 

1. Identity Theft DISCOVER FIN SVCS LLC XXXX This is not mine 2. Identity Theft XXXX  XXXX XXXX  XXXX XXXX XXXX This is not mine 3. Identity Theft XXXX XXXX XXXXXXXX XXXX This is not mine 4. Identity Theft XXXX XXXX This is not mine
Product: Credit reporting or other personal consumer reports

Dear transunion & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Code 1681i - Procedure in case of disputed accuracy- bank name or routing not charges that doesnt verify my identity 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Reporting information with actual knowledge of errors 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. 



XXXX XXXX XXXX : These accounts on transunion have not updated last reported day & 120 + 120 with both bureaus supposed to add 150 days instead of 120. This is inaccurate & last payment date can they send a payment from that date not charges & update the comment section on transunion. Or delete & i have 2 different payment received on XX/XX/year> & XX/XX/year> PLEASE SEND DOCUMENTS OF BANK STATEMENTS STATING YOU FURNISHED FUNDS PLEASE PROVIDE BANK FURNISHED STATING MY NAME OR ROUTING NUMBER. No any charges that doesnt verify. PROOF IN PDF XXXX XXXX XXXX : there are no negatives in payment history so there inaccurate & how im late on TU 90 days & late on XXXX 60 days theres no update in comments section & these accounts on TU HAVE NO UPDATE SUCH AS LAST DATE REPORTED. PLEASE PROVIDE BANK FURNISHED STATING MY NAME OR ROUTING NUMBER. No any charges that doesnt verify. PROOF IN PDF 15 U.S. Code 1681i - Procedure in case of disputed accuracy- bank name or routing not charges that doesnt verify my identity 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Reporting information with actual knowledge of errors 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.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
Product: Checking or savings account

I deposited a check for {$77000.00}. These are proceeds from the sale of my home. It was deposited on XX/XX/24. A hold was placed and then released on XX/XX/24. I called Chase to confirm that the funds were good to use and they said yes. I also mentioned that I needed to increase my daily limit for spending, which was done and raised to XXXX. No problem. I went shopping to furnish my new home. I purchased items in person at XXXX XXXX and swiped my card with no problem. I attempted to purchase a item at XXXX XXXX, but it was denied, but then I was able to get it to go through once I tried again. Same for XXXX 's. I was able to get the bulk of what I needed. Furniture has been delivered. As of XXXX XXXX  XX/XX/24, I received a call that my account ( XXXX ) have been restricted and my debit card has been cancelled. I spent XXXX hours at the local branch wherein they called several people and the issue was needing to verify the check through a phone number through the title company, but their system was unable to verify the number. However, several supervisors have touched my account today and they were able to verify the check through the title company. The fact that AFTER they cleared my funds I have a restricted account is completely unacceptable. I have no way to get into any of my accounts, including my child 's, which has nothing to do with this deposit. We can't access anything and I've been dealing with this all XXXX day. I have talked to several supervisors and this is going nowhere. They refuse to approve this transaction and the check has cleared the title company. I personally spoke with the owner of the title company. Also, XXXX told me that the check had passed the 7 day threshold. So now why can't I access any of my funds??????? Please help.
Product: Checking or savings account

On XXXX XXXX I brought {$890.00} dollars cash to Navy Federal Branch XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX Virginia XXXX. After giving the cash to the teller, he put the money into the bank teller cash counting machine. The machine counted the money. The money was deposited into my account and upon receiving my funds receipt the total amount deposited was {$590.00}. I brought it to the attention of the teller and bank manager. The bank manager completed an audit of the machine and said the machine did not make any counting error. I have not repercussion for the approximate XXXX dollars missing. 

I am not convinced the machine audit was done by a human and the counting machine is still making the same mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, NC XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, NC XXXX 4. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. Identity Theft XXXX XXXX I Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. XXXX Account Number : XXXX Please remove it from my credit report. 

11. XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

12. XXXX Account Number : XXXX Please remove it from my credit report. 

13. XXXX Account Number : XXXX Please remove it from my credit report. 

14. XXXX Account Number : XXXX Please remove it from my credit report. 

15. RMP SRVC LLC Account Number : XXXX Please remove it from my credit report. 

16. RMP SRVC LLC Account Number : XXXX Please remove it from my credit report. 

17. RMP SRVC LLC Account Number : XXXX Please remove it from my credit report. 

18. RMP SRVC LLC Account Number : XXXX Please remove it from my credit report. 

19. XXXX XXXX Account XXXX : XXXX
Product: Credit reporting or other personal consumer reports

FTC Report Number XXXX Transunion Credit reports REFUSE TO MARK XXXX XXXX DEBT PAID in full that has been paid. I speak to a lady by the name of XXXX at the phone number XXXX. after speaking with me over the phone XX/XX/24, XXXX  contacts her call center XXXX name XXXX . I finally get to the bottom of this debt. After speaking to the XXXX. XXXX at the XXXX XXXX XXXX. 
XXXX at XXXX XXXX. XXXX tells me over the phone that he can see in the system that the debt shows satisfactory. Now I have been disputing what TU has on my credit file once again because I KNOW I HAVE PAID THIS DEBT! 

I have tried to get TU  to post debt paid XXXX  times frankly, a grand total of over XXXX times NO Exaggerations, TU still refuses to make this debt from the XXXX  from XXXX  to paid in full! Please contract this XXXX by the name of XXXX at the XXXX XXXX. Call center. 
This XXXX man promised that he would email me a letter stating that the debt I owed was listed as XXXX on the XXXX XXXX. company 's end so I could post the letter of the debt showing PAID to TU and the XXXX, your agency. I guess this XXXX thought that this is some kind of joke and its not ... this is the phone number I spoke to this XXXX guy at XXXX XXXX. Call center XXXX XXXX XXXX was the XXXX. XXXX transferred me too. XXXX XXXX today on XX/XX/24. at the XXXX XXXX. 

XXXX XXXX found the paid debt in the XXXX XXXXXXXX XXXX system under my Drivers License number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Driver 's License Document in the attachment.