23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

There has always been an issue with the escrow account since I closed on this mortgage nearly 3 years ago. Most recently in XXXX I received my tax bill, noticed an error and contacted my municipality tax assessment office. That issue was quickly and easily remedied and I received a new revised tax bill which I sent to dovenmule. I showed them the proof that the bill they had due for my 3rd quarter was incorrect and they made 2 payments anyway, one correctly and one in excess of over XXXX in overpayment. I told them and they said there was no error. I confirmed with the tax office that they received the overpayment and would have to send it back to dovenmule. I contacted dovenmule with my concern of overpayment affecting my escrow and they assured me that I was not due for escrow assessment. I just received an assessment raising my monthly payment by {$500.00} for a perceived shortage that does not exist. Currently they have overpaid my taxes by over {$2000.00} and they projected tax payouts for XXXX are incorrect by another {$2000.00}. This is the 3rd time that they get my taxes due from a third party and will not accept my municipality tax office as proof of the correct amount due. This is an unnecessary hardship on my family to pay another XXXX because they are incompetent and refuse to see proof of their error. This seems wrong that they can overcharge me and keep my money interest free every year
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit agencies XXXX/Transunion/XXXX stated my accounts were properly investigated and verified as accurate for the 3rd time. I contacted the agency to remove the inaccurate information and update my credit report. they responded with the account is verified the inaccuracies still remain causes harm to my livelihood. They have reported payment dates inaccurate showing XXXX with no 30 or 60 days late. On one account there reporting 3 different payment Example  Ok/30/Ok history on all 3 reporting agencies. I did not give them permission to produce this information. This should be removed because they are violating my rights under the Law

15 U.S Code 1681 - CONGRESSIONAL FINDINGS AND STATEMENT OF PURPOSE

(a) Accuracy and fairness of credit reporting

15 U.S Code 1681E COMPLIANCE PROCEDURES

(b) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I also have the tracking number to prove they where notified by mail 
Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/year> I had cash to deposit at the PNC bank branch location XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX. I arrived before the bank was open so opted to use the ATM to deposit cash. I had a large deposit and was feeding bills in stacks ( I followed ATM instructions on the amount of bills to enter at once and entered less than the maximum each time ). About XXXX of the way through the deposit ( {$2600.00} ), the ATM froze and I waited for several minutes until the ATM completely shut down, kept my debit card and said that it was out of order. I waited until the branch opened and went inside to report. Initially they did not want to file the report, but I insisted that before I left that it was properly documented by the branch of the issue and the total deposited. I provided them all the details and they filed a dispute, while sending me to another branch at XXXX XXXX XXXX, XXXX OH XXXX to get a replacement debit card and deposit the remaining amount of cash that I had of {$1300.00}. I completed both transactions immediately after finishing the reporting on XX/XX/year>. PNC issued a provisional credit based on the dispute to my checking account on XX/XX/year>. On XX/XX/year>, I received a letter from PNC stating that my dispute was found to be invalid and they removed the credit from my account ( Reference # XXXX ). The letter stated to call them if I would like to review the documentation associated with their decision. I called and requested all information and was told that they could not provide anything other than telling me that the ATM balanced. I explained that there had to be video of my deposit, along with the proof that my debit card was never released, as well as the time of the ATM shutting down. They told me that this would not be available for my review. I asked them to re-open the dispute as of today, XX/XX/year>, but currently they have {$2600.00} of my money with absolutely no documentation to prove out their decision to turn down my claim.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1681 ( a ) ( 4 ) : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
I demand a deletion of all personal identifiable information from my consumer credit report except for : Name : Address : XXXX XXXX : Date of Birth : XXXX : Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. Delete all phone numbers. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. Please update and delete all requested personal information.
Product: Credit reporting

I received a response from XXXX after I sent a certified letter to verify this account. They responded that the account is not being reported to XXXX bureaus. Please remove this account from my credit report immediately.
Product: Debt collection

To Whom It May Concern : I spoke to a representative XX/XX/XXXX making sure what I owe to USAA credit card will be handle clearly and smoothly and I am paying in a timely manner. The evidence was recorded as well because if you call them they will mentioned " our conversation will be recorded ''. They gave me option how to pay my credit and I agree with the settlement. I authorized them to deduct my payments thru my checking acct starting with {$55.00} and the upcoming months will be {$75.00} and the last month I will pay is {$110.00}. XX/XX/XXXX I called USAA just making sure what I owe is getting lesser ; I didn't expect what the result was {$730.00} which should be {$540.00} I start paying {$55.00} the month of XX/XX/XXXX and starting XX/XX/XXXX until XX/XX/XXXX I will be paying {$75.00} and then XX/XX/XXXX will be {$110.00} and that will be my last month to pay and I am free from debt to them. I called but they were not answering. I called someone answered and if they gon na transfer me to the department of billing and collection it will ring then after voicemail. This time I should be free from debt to them but they're making a hard time for me. Miscommunication and they should fix this and they're the reason why my credit score is low and may you fix that! I was a member once I deserve to be treated well not deceiving, and you fix my credit score.
Product: Student loan

This new submission is about the complaint XXXX made in 2014 against Sallie Mae, notifying that I want to be part to the suing made to this institution, who gave me the only solution of a forbearance of {$100.00} for one month when I 'm unemployed. Right now, I 'm unemployed again and with medical expenses, which I wo n't be able to continue paying through their collection agency, XXXX XXXX. A letter was sent yesterday. 

I also want to notify that I have called few times to be signed off of a loan I co-signed. They said I was able to be out of it after a year of a full payment by the borrower. It 's been two years, and I was told, that wo n't be happening. Attached the loan I co-signed. 

I also remember, not giving any other option when I stated I was going back to university.
Product: Mortgage

Bank of America comitted fraud in implementing my mortgage. 

Their prior response to my complaint contained false statements. 

XXXX XXXX refused to return any of my 6 voice mails. 

I filed a new complaint and XXXX XXXX called me. During that phone call he refused to provide me an XXXX mail to correspond with him regarding a resolution to my complaint. I told him I would send him a letter. He assured me he would answer my questions in writing once he received it. Once he received it he refused to address a single point in my letter and merely attached a copy of his initial response to the first complaint which contained the misstatements. He refused to answer any of the questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct erroneous reporting in my file listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$35000.00}
Product: Debt collection

This is my second time disputing and submitting proof informing XXXX and their collection companies that this isnt my debt. Yet they keep placing it on my report. This has been going on for years at this point. It is bordeline harassment because as a XXXX mom my credit is my leverage and this is hurting my accounts. I would like this removed permanently. I have attached the same report from years ago.
Product: Debt collection

I have sent certified letters out to them and I am not getting know respond at all. The debt that they are trying to receive have been removed off of my credit report and put back on there. By Law they can not remove debt and put back on there. Once it comes off my report it must stay off. They will not respond to none of my certified letters that I have sent out. Please Help. 
Thanks. 

Account ; Midland Credit Managem Account Number ; XXXX Balance ; {$480.00}
Product: Mortgage

In late XXXX I received Nationstar/Mr. Cooper XXXX Statement for {$1100.00} & balance of {$97000.00} XX/XX/2018, mailed XXXX Check # XXXX, {$97000.00} to Nationstar/Mr. Cooper XX/XX/2018 Nationstar/Mr. Cooper deposited check in XXXX XXXX Account # XXXX XXXX payment of {$1100.00} was due by XX/XX/2018 XX/XX/2018 Nationstar/Mr. Cooper reported my account delinquent to XXXX, XXXX  and XXXX  Credit Reporting Agencies while in possession of {$97000.00}, labeled my Nationstar/Mr. Cooper Account Delinquent and charged a late fee of {$56.00}. 

It took 35 days for Nationstar/Mr. Cooper to refund my {$97000.00}, with additional interest charge of {$8.00} per day, an additional 7-day hold placed on Nationstar/Mr. Coopers check by XXXX before I could access the {$97000.00} and re-start the process. This took a total of 45 days. 


TIMELINE BREAKDOWN OF THE {$97000.00} XX/XX/18 Friday : Nationstar Deposits Funds XX/XX/18 Thursday : Nationstar Returns Funds to me ( via XXXX ) XX/XX/18 Saturday : I Deposit Funds, but they are held until XX/XX/18 XX/XX/18 Friday : Total Funds Available XX/XX/18 Friday : Nationstar Receives {$98000.00} The Payoff Amount for XX/XX/2018 was {$98000.00}. 
The Payoff Amount for XX/XX/2018 was {$98000.00} This 42 day time frame of my {$97000.00} being unavailable increased my interest charge by {$250.00}. 

XX/XX/18 Payoff {$98000.00} XX/XX/18 Payoff {$98000.00} = {$250.00} Attachment 1 Nationstar/Mr. Cooper XXXX Payment Statement Attachment 2 Cancelled XXXX Check XXXX Attachment 3 Nationstar/Mr. Cooper Payment Activity Please view the two Posted Payments date XX/XX/18 Attachment 4 Merged Credit Report Attachment 5 Nationstar/Mr. Cooper Loan History Please view Transactions XXXX XXXX Attachment 6 XXXX Deposit Slip
Product: Credit reporting, credit repair services, or other personal consumer reports

21st Mortgage was my mortgage holder on my mobile home loan. The mobile home was a voluntary repossession as of XX/XX/XXXX. 21st Mortgage sold the unit in XX/XX/XXXX with no deficiency attributable to me. 21st Mortgage had spent money to rehabilitate the mobile home prior to sale and therefore those amounts are not my responsibility. The mobile home was sold for more then the amount owed to 21st Mortgage at the time of repossession. Any deficiency should be a charge off or loss to 21st Mortgage who had the option to sell the unit as is and then would have been entitled to any deficiency after sale. 
21st Mortgage is still reporting this as closed, but it is still sending in monthly payment information prolonging the time this will remain on my credit as a negative trade line. I filed a dispute via XXXX to have this trade line monthly reporting be corrected and it appears 21st Mortgage simply just amended the outstanding balance due and did not stop its reporting of monthly payment or lack thereof.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair credit reporting act this creditor has violated my rights : Under 15 U.S. Code1681, SECTION 602 It states I have the right to privacy Under 15 U.S. Code 1681, 604A, section 2 A consumer reporting agency CAN NOT FURNISH An account without my written instructions.

Under 15 U.S.C, 166B Which states A creditor may not treat a payment on a credit card account, Under and open on a consumer plan as late, for any purpose. 

FEB Destiny Mastercard has made 11 reports of late payments On MY credit report. This is covered under the above cited statues. I request the removal of said reporting as it negatively impacts my credit standing.
Product: Debt collection

I am receiving multiple phone calls every day from this company. They never leave a message, but continually call from multiple different phone numbers. 
This company has also called my relatives acting as a court service and left detailed messages on my relatives ' voicemails.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with credit karma XX/XX/XXXX for XXXX XXXX. It is now XX/XX/XXXX. I recently filed a complaint regarding this issue and got an update that my results were in fact emailed to me by Transunion. I did not receive an email. XXXX XXXX still shows my dispute open and when I go to Transunion 's website, I do not see my dispute completed or not. This issue is not resolved. From what I can see, Transunion has taken well over 30 days to complete this therefore it should be removed from my report! I am copying and pasting the message from XXXX XXXX. 

Direct Dispute In partnership with XX/XX/XXXX Estimated Completion Date Status Details TransUnion received your request on XX/XX/XXXX and they are currently processing it. TransUnion normally responds to dispute requests within 30 days, and often within 7-10 days. When the investigation is completed, we will provide you with a response and/or a copy of your updated credit report to notify you of the results. 
If you have specific questions regarding your dispute request or need to submit additional information, please contact TransUnion using the address shown below. When contacting TransUnion, provide your current file number : XXXX. 

I have combed through my email and there is not one regarding this dispute. I found many of their newsletters but that it all. I can not even start a new dispute on transunion 's website which to me means one is still open or their website is broken! I have included a screenshot of that.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I got collection record in my XXXX XXXX  report. It was {$110.00} amount they reported as a collection but I was not even informed before they did this and other person from XXXX XXXX   called and I already paid them money. I don't know why did they put it for collection. I want to dispute on this collection record.
Product: Money transfer, virtual currency, or money service

I am a victim of identity theft or fraud, amount totaling in {$13000.00} was charged to my debit card without notice or authorization. The first 2 transactions were on XX/XX/XXXX, one for {$3000.00} and another for {$4000.00}. The next transactions listed were made today, XX/XX/XXXX for {$1200.00}, {$1100.00} and {$3800.00}. I was unaware of these charges until my bank notified me via email that my account was declining. It's possible my identity was stolen or XXXX XXXX was hacked, I have no clue how this occurred, but all I know is that was my entire net worth and I need this to be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Despite the multiple previous written requests, the DISCOVERBANK account still remains on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE USE MY NAME TO GET MEDICAL ATTENTION ALSO OPEN UP FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting

I pay that account on time and on my credit report show the account stay open
Product: Checking or savings account

On XX/XX/XXXX, I sent {$10.00} to someone named XXXX XXXX through XXXX, He did not receive it, I searched for XXXX Customer Service phone number on XXXX. The following number popped up as XXXX XXXX customer service : XXXX XXXX XXXX. I called that number and believed I was talking to XXXX. I asked about the {$10.00} I sent to XXXX XXXX and the person on the line said, he needs to first confirm my identity. He asked me about Chime, XXXX and XXXX. I told him I have Chime and XXXX. He then proceeded to install a software called XXXX on my cell phone, He did a lot of transactions remotely controlling my phone quite fast without my knowledge, Later I found out he was buying XXXX  under XXXX XXXX XXXX, etc. I had {$700.00} in my Chime account and removed {$450.00} and $ XXXX under a name XXXX XXXX XXXX He also used a debit card I had at XXXX and withdrew {$480.00} and {$10.00} form XXXX XXXX  in XXXX ( XXXX XXXX XXXX ), even though I only had {$25.00} credit there. He called me from XXXX XXXX XXXX a total of 6 times. I answered to one or two calls. After this conversation, I realized that the person on the other line was a scammer. 
All along, I thought I was talking to XXXX. The person even asked to take a picture of my drivers license ( front and back ) and profiles of me ( left and right ). After I hung up, I realized that he was not part of XXXX. I immediately called Chime and told them about the problem of the {$700.00} he removed from my Chime account leaving me with a {$0.00} balance. I talked to their fraud department and asked for their help. They told me they can not do anything for me. I then went to our local XXXX Police Department and filed a report in person with XXXX XXXX XXXX ( XXXX XXXX XXXX ) She assigned a case number XXXX XXXX XXXX  to my case and recommended that I get new drivers license, report the incident to my banks, and take my phone to XXXX to wipe it clean from any XXXX. I followed her recommendations. I now have new checking and debit card numbers and froze my XXXX, XXXX and Chime accounts I would very much appreciate your help in resolving this issue.
Product: Checking or savings account

On XX/XX/XXXX, i was notified that an external account had been linked to my checking account. As this was not my doing, I immediately called Chase to inform them that this action was not performed by me and that I believed my account had been compromised. They stated they would begin an investigation. I have documentation from Chase stating as such. 

On XX/XX/XXXX ( XXXX transactions XXXX for {$240.00}, XXXX for {$240.00} ) XX/XX/XXXX ( XXXX transactions XXXX for {$240.00}, XXXX for {$240.00} ) XX/XX/XXXX ( XXXX transactions XXXX for {$490.00}, XXXX for {$490.00} ) XX/XX/XXXX ( XXXX transaction for {$490.00} ) Money was transferred to that same external account. 

I disputed these charges, as they were not authorized by me on XX/XX/XXXX. I was told they would investigate and also have documentation stating as such. They informed me that those transfers had been completed from my mobile banking app and that account repair was necessary to secure my account. They at that time removed the external accounts access to my funds. 

Funds were returned to my account the next morning, with a letter that the funds were temporarily given back while they completed their investigation. 

On XX/XX/XXXX, Chase denied my dispute, stating that the charges were authorized. After contacting chase, an appeal was filed. 

XX/XX/XXXX, Chase again denied my appeal and the case was closed. 

These transactions were to an account that I had expressed was not me, Chase told me they were looking into it, and still allowed that account to take the money, then proceeded to deny my dispute for these charges.