23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I thank Seterus Inc. for their response. There seems to be areas for correcting their findings and perhaps practices for other accounts.
1 ) Escrow account : Seterus said that they applied my tax refund to in the amount of {$2400.00} back to my escrow account. That, in addition, " there was an escrow shortage of {$440.00} '' as of the date of their XXXX answer to my complaint .... '' Please be advised that you will only receive part/all of this tax refund if there was an overage in your escrow account. '' Here, Seterus received TWO of my tax refunds, one in XXXX, which they accounted for, but also one in XXXX, of the same amount, which for which they did not account in their XXXX response to CFPB. This information was faxed to and made part of my CFPB file and received by Seterus. Therefore, this second tax refund should be sent me as soon as possible.
2 ) The XXXX tracking of my XXXX payment. In XXXX, I sent at least two envelopes by certified mail. Seterus ; answer seems to have mixed up the tracking for the XXXX XXXX and XXXX XXXX mailed envelopes. They have the first page of the tracking number ending " XXXX '' which did n't arrive until XXXX XXXX. But their second page refers to the XXXX XXXX mailed PAYMENT which number ends in " XXXX, '' was waylaid through Tennessee, but still was signed for by Seterus ' agent on XXXX XXXX, 2017, so the payment was NOT late. It looks like they mixed up the two XXXX tracking statements somehow.
3 ) New : on my XXXX statement, it says the Regular Payment is {$1100.00}. But at the top of the statement, it says that the " Amount Due '' is {$1200.00}, presumably including a {$30.00} late fee, IF the payment is late, after XXXX XXXX, 2017. But at the BOTTOM, on the payment coupon, it says " Total Amount Due '' XXXX. Then it says " payment after XXXX XXXX, 2017 is XXXX. But the regular payment is XXXX It looks like Seterus ' error here, could make many people pay a late fee TWICE. If this is compounding the practice over thousands of customers, this error could make a serious error of millions of dollars to the detriment of customers and create a serious accounting problem.Seterus needs to fix this.
Product: Credit reporting or other personal consumer reports

ACCOUNT : XXXX XXXX XXXX XXXX XXXX SHOWING INACCURATE INFORMATION ON MY CREDIT REPORT. THIS ACCOUNT IS A CHARGED OFF AND SHOWS STATUS AS OPEN WHEN IT SUPPOSSED TO BE CLOSED ACCOUNT, INFIRMATION IS INACCURATE XXXX according with the FAIR CREDIT REPORTING ACT. Account number XXXX XXXX has violated my rights 15 USC 1681 SECTION 602 A. STATES I HAVE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 USC 1681 i SECTION 5 CREDIT REPORT INFORMATION HAS TO BE ACCURATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I continue sending mails and dispute to Experian regard these unverified and inaccurate accounts on my credit file. I've attached the items and the reason for the deletion
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section XXXX ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Team - I want to highlight and escalate an issue I am not receiving any help on. 

Bank involved - Chase Credit agency - XXXX XXXX XX/XX/2022- I applied for a XXXX XXXX Chase Credit Card. And there was a HARD INQUIRY on my credit report XXXX XX/XX/2022- I receive a letter to call Chase as they need some information to continue the review. 

XXXX XX/XX/2022- I called Chase ( phone no - XXXX ) and I was told that they just need to reconfirm some details which will NOT lead to a 2nd credit pull. I re-stated that if they need to re-apply/ re-pull my credit file - I DONOT want the card. this was all on a recorded line. 

UNFORTUNATELY- the team initiated a 2nd credit inquiry on my file while i was on the call.

THis is a gross misrepresentation and error on part of the bank- which will impact my credit score and my finances. 



I called XXXX and they say I have to speak with the bank Chase tells me they cant do anything. 

COuld you please help me!
Product: Credit reporting or other personal consumer reports

None of these accounts belong to me. delete it from credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never had late payments with any of these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries are not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2023, I visited a Chase ATM outside one of its branches ( XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) to deposit {$9500.00} cash ; however, the machine displayed that only {$8300.00} was deposited. I canceled the transaction, but only got {$8300.00} back. In other words, the ATM ate {$1200.00}. I immediately talked to the branch manager to try to resolve the issue. After calling a separate department at Chase, she told me they would investigate ; in the meantime, they issued me {$1200.00} " missing credit claim ''. 
On XX/XX/2023, they clawed back the {$1200.00} " missing credit claim '', without providing any specific/meaningful explanation. I visited the branch and talked to the branch manager again ; however, after internal investigation I was told that they could not find evidence that the ATM ate the {$1200.00}. Over the course of the past several weeks, I tried multiple times to escalate, without success. They told me the case ( case # XXXX ) was closed. 
I suspect that the investigation was done by junior employees who either did not care or did not understand how ATM works. This whole situation is completely unacceptable, and I am hereby seeking help from CFPB. Much appreciated.
Product: Debt collection

They were sending my information to the wrong address, by the time I received the information, it was almost past the 30 day cut off and it was a weekend. I called them the first thing Monday and gave them my information and was told that I notified them in time. I sent her ( XXXX ) the personal and financial information that she requested and she used it against me. Two weeks later they started garnishing my wages for {$500.00} plus a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reached out numerous of times to dispute the inaccuracy being reported on all three credit bureaus by asking for a good will adjustment due to the inaccurate payment history, being displayed and reported differently on all three reports my request was denied
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX shouldn't be reporting on my credit report as they haven't submitted validation of that. They have also stated that this be removed off of my credit report. XXXX and XXXX has removed it but Equifax is still reporting it.
Product: Money transfer, virtual currency, or money service

XXXX  XXXX not refund XXXX chime purchase And chime us actually bank not a purchase any thing account in or open account chimn bank XXXX And transfer XXXX this account. As say chime purchase They do activity first go my husband account and transfer money account and send same day transfer chime purchase I want my money back this capital indent to pay back we go to branch lady name XXXX XXXX hours discus finally she say you already received but the bank XXXX XXXX laying payback my money I mark down this its fraud and snap shot add Please refund my money
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit : Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.
Product: Mortgage

I completed a trial plan after my struggles with XXXX. I was told all arrearage including escrow shortage would be put to the end of the loan. My payments at that time was {$1600.00}. After making 6 payments and keeping the account current I received a communication that after a recent escrow analysis my payment would be going up to {$3800.00}. After being blindsided by this I immediately called SPS. The young lady said she could extend the escrow out 36 months versus the current 12 months. After " I '' helped her with the calculations she submitted it to her supervisor and was immediately turned down. She advised me to fill out an RMA online for additional help. I then filled out the application stating my issue and submitted. The next day I received a denial. I signed up for paperless that is why the denial came so quickly. I then called back, bagging for help. The new agents advised they sometimes extend escrow 24 month, but not for me. Yes, " but not for me ''! She also stated the first agent just wasted my time as they would not look at an RMA for escrow. The new agent asked to take a payment knowing i couldn't afford it. No sympathy, no empathy!!!!!!
Product: Debt collection

Sent healthcare receivables validation letter and never recieved rigjt to dispute letter or validation letter also company violated hippa accessing medical records to collect debt not owed
Product: Mortgage

In accordance with The Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 ( 2 ) states I have the right to privacy ( 15 usc 1681 section 604 a section 2 ) also states that a consumer reporting agency can not furnish an account without my written instructions and 15 usc 1666 ( b ) a Creditor can not treat a payment as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion claims that I send additional information on my current dispute. However, they're attempting to combine two separate investigations with additional 15 days. I never send the same dispute for additional information.
Product: Checking or savings account

I am writing because I was scammed out of over {$20000.00} ( twenty thousand dollars ). My Chase checking bank account was left with a - {$9000.00} ( negative nine thousand dollars ) fee. 

A family friend ( or what I thought was a family friend ) asked to deposit money into my account because her fathers house had been sold out-of-state and she did not have a banking account. According to her, she really needed the money to help pay her bills, take care of her grandkids and generally get her life back in order. I was sympathetic, I understood trying to make it during the pandemic. 

There was money deposited into my banking account supposedly with funds received from the selling of her father 's home, so I thought it was legit. Once I saw the money in my account, I thought it would be fine to give her the funds. On XX/XX/2020, I gave her the funds. 

Two days later, on XX/XX/2020, I get notice my account has been overdrawn by {$9000.00}. Chase tells me, that they will not reimburse the money because I basically authorized a person to deposit funds into my account. But I did not authorize them to withdraw from my account though. I filed fraud charges at the bank, and they assured me that a police investigation would happen, and the person would probably go to XXXX. 

Chase showed me the fraudulent checks and they had my last name misspelled with two XXXX  instead of one. There was other suspicious detail that should have alerted Chase that there was an issue. I remember when my wife went to pay my mother-in-laws Chase credit card bill. Chase would not let her pay because she was not my mother-in-law. My wife had her ID, the billing statement and a check from my mother-in-law and they still would not let her pay BUT they allow someone to overdraw my account with evidently fraudulent documentation to the tune of {$9000.00}! 

Does Chase have zero liability? And this person lives in the same city I live in, I want to expose her so she doesnt hurt anyone else. I could have lost my home, vehicle, or anything over this amount of money. I withdrew money from my 401K to help with house repair expenses, my XXXX children and to cover other losses experienced from COVID 19 and now I have nothing to show for it. Most weeks, I work 7 days per week ; it's just not right. I dont know what to do. What are my options? 

I have all of our communication and evidence that shows her intent to defraud.
Product: Mortgage

See there response below response i got with no phone number or email to contact comptroller of the currency. 

XXXX XXXX : After our review, we found that the best agency to help you with your issue is Office of the Comptroller of the Currency. If you would like to submit your complaint with Office of the Comptroller of the Currency, contact them directly at or call.
Product: Credit reporting or other personal consumer reports

I checked my credit report recently because I was released from XXXX and I needed to find somewhere to live only to find out that my credit report had open accounts and inquiries on there that I did not authorize due to me being XXXX and it was impossible for me to do some myself. I reached out to these companies only for them to keep on verifying information and tell me that they say its accurate. Im trying to figure out how its accurate I have proof of XXXX Proof that I file a police report prove that I filed the FTC report still only to not get help or get the item removed from my credit report, this is my final attempt in trying to fix this issue and if this can not be fixed, Ill be seeking legal action against the company For damages and defamation I will also attach supporting documents. I reached out to this company to send me a fraud packet. They never did so. They only send me letter saying that they will not remove the items. This item has been stopping me from signing somewhere to live in. Im pretty much XXXX  and the weather where I live at is about XXXX now. What this company is doing is illegal and theyre violating my rights as a consumer and also violating the US 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX accounts by Bank of America that show a status of " CONSUMER XXXX ''. I did have these accounts but I am not now, nor have I ever been XXXX.
Product: Checking or savings account

I opened a Citizens bank account in XXXX. According to the bank 's policy, I should be rewarded with a {$400.00} bonus. But the bank only gave me a reward of a {$300.00} bonus.
Product: Mortgage

Document detailing the Timeline of events from loan application to closing and most recent payment has been uploaded below.
Product: Checking or savings account

I opened an account with Suntrust and transferred {$3000.00} from my spouse XXXX account om XX/XX/2020 shortly after Suntrust sent me a letter saying the account was closed for fraud. I was never contacted by Suntrust directly to ask. Suntrust did not send back my {$3000.00} I have called twice and both reps have told me suntrust is holding my money and will not say why or let me talk to an agent who can explain. I need my {$3000.00} from suntrust ASAP, as well as compensation for lost interest ( 4 % apr on XXXX for length of time money was held, currently 60days x XXXX cents a day = {$26.00} dollars ) and the opening bonus that i would have been eligible for of {$400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit acceptance is being reported as a collection on all 3 of my credit bureaus, this was NEVER a charge off/collection. This was an auto loan with monthly installments. I paid it off in full XX/XX/2020 with no remaining balance. This account should NOT be considered a charge off/collection account. I have sent two letters to credit acceptance with NO response from them so I am asking for your help. I had XXXX in XXXX and got behind in this auto payment but always paid it so its really disheartening that they have put it under a collection/charge off because this was never the case. I paid it weekly and then paid it off. Thank you for looking into this as I am trying to purchase a home for my family of XXXX with my XXXX being in XXXX. I really need this deleted off my credit bureaus if possible. 

Credit Acceptance XXXX XXXX XXXXXXXX XXXX, MI XXXX XXXX XXXX - account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX, XXXX have violated my consumer rights with reporting fraud accounts on my credit report. I tried countlessly to report the issue with them but they keep send letters back in XXXX saying the accounts is verified. I sent letters back asking their method on verifying the account, i also ask to send me the original document stating how I owe these frivolous accounts. but no response. I would like these accounts deleted from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

A series of parking tickets were accumulated by my wife through XXXX  XXXX University in the fall of XXXX. These tickets were eventually brought to collections. It is important to note that this debt did not originate from a contract, and according to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  should not appear on my credit report. Starting in the spring of XXXX and through the summer this issue had be disputed to the three major credit agencies, XXXX XXXX  and XXXX. However, all three did not apply the XXXX XXXX XXXX XXXX and the hit to my credit was not removed.
Product: Student loan

Issues regarding total disability discharge. There is a conflict of interest as the Department of Education has contracted the review process for the total disability discharge to a student loan provider, Nelnet. 
They are also my loan servicer and told me I could not apply and my circumstances didnt quality ( which was wrong information ). 
I can't contact anyone at the Depr of Education, or someone " neutral '' to ask questions regarding their answers ( which is incorrect ). How can I trust they will follow the law and I'm not being denied merely because they hold some of my loans? 

I can't reach the Department of Education, all numbers I've tried redirect me to private third party " certified consultants '' who tell me to go on the Dept of Education website for clarification.

Where is my protection and help from Nelent and why can't I contact anyone give me assistance in overseeing the clearly unethical behavior of Nelnet and the Department of Education?
Product: Credit reporting or other personal consumer reports

This is the second complaint I have filed against MOHELA. 

I am a full XXXX v XXXX class member. As a full XXXX v XXXX class member who is in the the automatic discharge group. I was due total and complete relief by a federally imposed deadline. Please know what I just said a federally imposed court deadline of XX/XX/XXXX. This is not my deadline. This was a deadline that was imposed by a federal court. This is verifiable by legal documentation I am enclosing with this complaint. Full relief entails discharge of all of my student loans, removal of all student loan data from my credit reports, and refund of all monies paid to any service or including prior service servicers at the time of this writing, MOHELA has done nothing. In fact, MOHELA has fought my complaints. And verified information to the credit bureaus after the relief deadline in blatant violation of the settlement Furthermore, they have updated my student loan balance with interest increases after the settlement deadline. They are destroying my credit. In fact yesterday my XXXX XXXX score dropped XXXX points XXXX because of the interest increase on the student loan they are not supposed to be reporting. They must remove these accounts from my credit report. There is nothing to discuss. There is nothing to debate. They have no discussion they have no excuse. There is nothing up for debate. I am a full class member I have proof I am a full class member I have the settlement documents. There is nothing to discuss. They were required by XXXX XXXX to remove these accounts they failed to do so. I am demanding you get involved you force them to remove these accounts. From my credit report, because they are reporting them in violation of the law to my detriment. This is unethical. 
As they knew, I was a XXXX XXXX XXXX member as they put me in for a XXXX as a result of this settlement. They were aware of the deadline and chose to ignore it. Furthermore, I have received a federal job offer. This job, Offer requires a background investigation. This background investigation requires a credit check. The erroneous information MOHELA is reporting causes me to appear as a liability. MOHELA may cause me to fail this investigation. They have been aware of this for months because I informed them of writing of the possibility I may receive this job offer. I received the offer on XX/XX/XXXX. The harm I am suffering is no longer speculative. Its real. Its present. You must uphold the law you must force them to remove this information. They were required to remove these loans from my credit report by XX/XX/XXXX. They failed to do so. There is nothing else to discuss. I am not subject to any other lawsuits currently pending or surrounding borrower defense they can not use that as an excuse. XXXX XXXX XXXX is a settled federal lawsuit. I have attached the full text of the lawsuit as well as my notice. Thank you.
Product: Credit card

I am writing I was charged with an interest charge of XXXX for a late charge. The payment did miss on the day then was put in the same day. Per chat they would only credit me XXXX XXXX, there was an incident with goldman a year ago that they wouldnt let me pull money from my savings account and I think it was tied to this. I am asking that I be credited the XXXX on my account. 

Case number with Apple / Goldman Sachs is XXXX
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT EVERYTHING HAS TO BE 100 % ACCURATE ON MY CREDIT REPORT AND UNDER 15USC 1681 E ( B ) AND 15 USC 1681i ( 5 ) THIS ACCOUNTS ARE IN VIOLATION OF NOT REPORTING 100 % ACCURATE. I noticed several inquiries had been made and where not for permissible purposes which is a violation of FTC law XXXX [ XXXX ] and therefore should be removed immediately. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX ONLY XXXX IS XXXX XXXX XXXX XXXX MI XXXX PLEASE REMOVE AND UPATE ALL OTHER ADDRESS XXXX 

AS A CONSUMER I REQUEST TO KNOW ALL THESE STEPS YOUR AGENCY TOOK TO ENSURE THESE ITEMS ARE 100 % ACCURATE UNDER 15 USC 1681I ( 7 ) A METHOD OF VERIFICATION - DESCRIPTION OF REINVESTIGATION PROCEDURE.