23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We have a home mortgage with Specialized Loan Servicing on our primary residence that they maintain an escrow account for. Every year that Specialized Loan Servicing ( shortened to SLS ) has handled our mortgage there have been accounting errors that have resulted in expensive  shortfalls or sometimes surplus in the account. I have audited the account and every single year there has been an incorrect balance as follows XXXX see supporting documents for statements XXXX : XX/XX/XXXX Shortage in escrow account asked to pay {$1500.00} XX/XX/XXXX Overage in escrow account refunded {$460.00} XX/XX/XXXX Shortage in escrow account asked to pay {$380.00} XX/XX/XXXX Shortage in escrow account asked to pay {$36.00} XX/XX/XXXX Shortage in escrow account asked to pay {$4300.00} The current year shortage is more than 3 times our monthly mortgage payment. When looking at their escrow balance estimate their estimated payment to insurance was {$1500.00} when a balance of {$4300.00} was paid out. This shows that the unchanged values from the year prior were again off by almost 3x the necessary value. 

These accounting estimates are wildly inaccurate and as the homeowner I am expected to foot the bill for their failure to properly account for 2 things that are easily summed. Annual homeowners insurance premium is provided by the insurer and the county tax is paid in arrears so over a year notice is provided if there are changes made. At this point I am being asked to pay the difference in their accounting error due to their negligence. This needs to be resolved and a proper estimate in the escrow account needs to be made. When I attempted to contact SLS in regards to this issue there were no agents available and the call was disconnected. There was a recording playing to try again in 30 minutes which is not an acceptable alternative given no ability to leave a voicemail or email provided. I did also use their customer portal to submit a ticket to have them contact me regarding this issue, but my concern is that they will continue to erroneously calculate the escrow account.
Product: Student loan

Filed previous CFPB complaint but it was not resolved. My account should be put in SAVE forebearance because I had applied to SAVE before the court injunctment. Instead of putting me in SAVE forbearance, MOHELA enrolled me in IBR repayment plan and is demanding payments.

My account is in MOHELA 's transition, so I am not able to access it. When I call in, I am on hold for hours but can not get an answer. When I sent messages using MOHELA 's messaging service, I am just being told to call in and not given an answer.

Previous CFPB compliant where i provided my account information and included a SAVE application filled out since I can not access my mohela account. XXXX.
Product: Checking or savings account

Dear Citizens Bank, I am writing to seek clarification regarding an issue of identity theft and unauthorized account activity under my name. In May, I became aware of an account opened at Citizens Bank without my authorization, which was brought to my attention after a cashier 's check I had issued was fraudulently cashed through this account. 

I initially reported this issue to my bank, XXXX XXXX  and on XX/XX/year>, I personally visited the branch to process a forged endorsement claim. XXXX XXXX submitted the claim to Citizens Bank on my behalf, but despite this, they were not receiving any response from Citizens Bank. During this time, I also contacted Citizens Bank directly to inform them of the situation. It was at this point that I learned from Citizens Bank that an account had indeed been opened under my name in XXXX, and I was assured that an investigation was underway. 

Citizens Bank has since claimed that the forged endorsement claim was only received on XX/XX/year>. However, I am extremely concerned that, according to the bank statements provided by Citizens Bank, large withdrawals from the fraudulent account continued to occur between XX/XX/year>, and XX/XX/year>, even after the issue had been raised. This raises the question of why the account remained accessible to the individual who stole my identity during that time. 

Furthermore, Citizens Bank stated in their response that the account was opened in person and the signature card was signed. I have already submitted my identification documents, including my signature, to Citizens Bank. The signature used to open the account does not match my own, and given that Citizens Bank uses identity cards as part of their verification process, it should be evident that the person who visited the branch was not me, as my photo is clearly visible on my ID. 

XXXX XXXX has denied my request for reimbursement because Citizens Bank has rejected all of my claims, despite the fact that I have provided all necessary supporting documentation. Additionally, I received a copy of a check payable to the XXXX XXXX District Attorneys Office, with my name mentioned in the memo. I require further clarification regarding this matter as well. 

I kindly request that Citizens Bank provide a thorough and detailed response addressing all aspects of my concerns, as previous responses have omitted key points and lacked the necessary detail. I would appreciate a comprehensive reply that fully explains the situation and outlines the next steps for resolving these matters. 

Thank you for your attention to this urgent issue. 

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

I reviewed my credit report on XXXX XXXX2017 XXXX is retaliating against me because of filed various Federal Retaliation and Discrimination complaints. XXXX credit score is at XXXX? Transunion XXXX and XXXX XXXX. XXXX, Transunion and XXXX suppose to delete all negatives and hard inquiries from my credit report, but they have not done anything.Why? Because of my file various Federal Filed complaints? I am XXXX and Retired and a Military Veteran. Why XXXX and Minorities XXXX and Military Veterans and Military Veterans gets Retaliated and Discriminated by Major credit reporting Agencies?
Product: Vehicle loan or lease

During XX/XX/2019, I had my XXXX XXXX XXXX sent to the repair shop, it had common engine cooling issue. I stated this to my bank, ( Santander Consumer USA ), they agreed to lower my payment and work with me, Later on I also got laid off from my previous job, I do have a new job now as of XX/XX/2019. I did not receive any notice to cure or warning. Without my knowledge my car was repossessed XX/XX/2019, early morning, took my personal items, without a courteous warning. They agreed to work with me, if I make a XXXX payment which I did, then completely deny that. I told them it is still having mechanical issues and I also have invoices from the dealer part store and my repair shop. 

Santander Consumer USA XXXX XXXX, Texas
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I contacted XXXX to inform them of an impending storm and my inability to make the upcoming payment. I reached out again on XX/XX/XXXX to report the flooding caused by the storm, which resulted in XXXX feet of water in my house. I explained that I was exploring payment options but could not provide one immediately due to the approaching storm, XXXX. Subsequently, I made a payment of {$930.00} on XX/XX/XXXX. However, I received a notification on XX/XX/XXXX indicating a XXXX late payment. Following this, I made additional payments of {$200.00} and {$930.00} on XX/XX/XXXX.
Product: Credit card

Review the attached documents. I want the bureau to initiate an investigation into these accounts, as I am never late, but they are erroneously reported as such.
Product: Vehicle loan or lease

I paid off my vehicle with Wells Fargo Auto in XX/XX/2022. The state of California holds my title because the vehicle was purchased there. Wells Fargo refuses to release their lien on the vehicle even though I paid it off over 3 months ago. I dealt with this same problem on another vehicle that I financed with Wells Fargo and it took them almost a year to get me my title. They sent me a payoff letter that says I have to contact the DMV directly to get my title released but I can not do that because they have not released their lien. Only Wells Fargo can have the lien released by contacting the CA DMV directly.
Product: Checking or savings account

Bank of the West again, all they did was steal my money, then just closed my account without warning, or another regard to my banking issues. There so bad that i have pending returns active right now that are going right to there pockets, because they cant be reached by phone at all, they cant be reached by email, and they locked my account so I cant even request a statement or receive and ask for my refunded funds back. I mean who the XXXX dose there bank think they are. Its XXXX and I have no other way to getting a hold of them. they just make up XXXX as they steal my money from me. I hate this bank with every once of hate i have toward a company. They steal your money and there is nothing ANYONE dose to stop it!!!!! So now what, they will respond with a bunch of XXXX, that wont do anything, and they get away with stealing my money again. The owe my XXXX for all the returns that they have keep to them selves. but will i see any of that money ... ... .NEVER!!!
Product: Checking or savings account

Several days ago, I attempted to use the Synchrony app to access my Synchrony savings account, ending in XXXX. I received a notice that the account was " restricted '' and that I would have to call the bank to resolve it. I called the bank and the representative asked me several questions about an external account at a credit union account which I had recently linked to this account. I gave the information that was requested and the rep said that the account should be unlocked shortly. It was not. I called back a second time and gave them more information. The account has still not been unlocked and that it is still " under review. '' The account has {$1000.00} in it. I would like the account to be unlocked as soon as possible so that I may access my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please notice, I am the author of this complaint and no 3rd party is acting on my behalf This credit bureau has violated 15 USC 1681i and 15 USC 1681e. 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. All I have been getting are frivolous, XXXX automated responses. No real investigation was conducted after my initial dispute. 

The furnishers mentioned are in violation of 15 USC 1681s-2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

After my dispute of the accuracy of these accounts, the furnishers falsely verified the information to be true instead of deleting the accounts from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax will not remove a business account from my personal credit report, even after they investigated. They also refuse to remove false inquiry information that i have disputed as fraudulent on multiple occasions ....
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 following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX OF XXXX XXXX XXXX : {$2400.00} XXXX/DEPT OF ED XXXX XXXX : {$4000.00} XXXX/DEPT OF ED XXXX XXXX : {$9000.00}
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and Im the consumer submitting this complaint on behalf of myself without any third party being involved. The listed accounts was furnished without my written consent or authorization nor permissible purpose see attached with the identified companies who are improperly furnishing this information to my consumer report without lawful authority or my written consent which is a result of identity theft.XXXX  XXXX opened XX/XX/XXXX amount owed {$12000.00}, XXXX XXXX XXXXXXXX XXXX opened XX/XX/XXXX {$0.00}, XXXX XXXX opened XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XXXX : XXXX XX/XX/XXXX. Incorrect addresses that doesnt belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX My only Address is : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. Any address outside of this one needs to be removed from my consumer report immediately. Incorrect Employment info : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, Retired Pursuant to 15 USC 1681e ( b ) accuracy of a report is required. Pursuant to section 313b of the FACT Act it was enacted to mandate in a manner which consumer reporting agencies & furnishers of consumer information to the CRA 's are complying with the procedures, timelines, and requirements under the FCRA for the investigation. The FCRA does not require furnishers to report to CRA 's but if they do report to them, they must comply with certain provisions of the statute. You have 4 days in accordance with 15 USC 1681c-2 to remove this fraudulent information from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed  XXXX   XXXX   XXXX  numerous of times on my credit report with Experian and  XXXX . It is showing as an repo on my credit. I have asked for debt validation from both CB 's and orginal creditor. I have asked for an copy of the orginal contract. I have called the creditor and was informed that they have no trace of the contract that an agent will request to see if the warehouse has it. That was on  X/XX/17   . On  X/XX/17    I called back and the agent told me she doesnt know why but there isnt a contract on file. This is creating an hardship and I will proceed to sue if this error isnt corrected. Experian and  XXXX  is going against the FCRA by not looking into my disputes.
Product: Debt collection

My information was illegally obtained and used. I did not give concent to this or have any knowlegde of it. Someone has been illegally been using my information on multiple accounts.
Product: Credit reporting or other personal consumer reports

I got a copy of my credit report, and I saw a lot of incorrect information, so much so that I believe I am a victim of identity theft. There were incorrect addresses, employers, and inquiries that I never made. There is also a CHILD SUPPORT ENFORCEM account # XXXX I don't know anything about it. I have never given my social security number out, just to my employer. 
These violations fall under 15 US Code 1681 and 15 US Code 1681b ( FCRA ). The law clearly states the following : 15 USC 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Meaning that if you do not have or have not gotten any written instructions from me ( the consumer ) to furnish an account on my report,. It should not be there. That is a violation. I never gave written instructions to furnish any of the following accounts :.

Secondly, according to 15 USC 1681,. The law clearly states :.

1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent on fair and accurate credit reporting.

Inaccurate credit reports directly impair the efficiency of the banking system, and Unfair credit reporting methods undermine public confidence, which is essential to the continued functioning of the banking system.

( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Debt collection

Discover continues to report incorrect data on my credit report. They have placed my credit card as a charge off. They are reporting a past due amount which is a violation. This is a violation of my consumer rights. I demand that the accounts be deleted off my credit reports ( XXXX, XXXX and XXXX ) Immediately.
Product: Credit reporting or other personal consumer reports

I contacted XXXX XXXX XXXX for 100 % VALIDATION and 100 % PROOF OF CLAIM and did not receive a response to the below listing on my credit report. 

XXXX XXXX XXXX Last reported XX/XX/2023 XXXX Open balance 12 NAVY FEDERAL CREDIT UNION Original creditor
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXL XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXN XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Debt collection

THIS COMPANY HAS CALLED ME NUMEROUS TIMES ABOUT A DEBT THAT I DON'T FEEL I SHOULD HAVE. THEY SAID I SIGNED A CONTRACT WHICH I DID NOT. THEY SHOULD REMOVE THIS DEBT, THEIR EQUIPMENT HAS BEEN RETURNED UN OPENED.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information contained in a background report that your company provided. I recently obtained a copy of my background report and discovered that it includes incorrect information regarding a debt associated with XXXX. This debt was the result of identity theft and has already been investigated and removed from my credit report by Experian. 

To address this matter, I submitted a police report and an identity theft report, which led to the debt being deemed invalid and subsequently deleted by Experian. However, this same erroneous information remains on my background report, which is both misleading and harmful to my personal and professional reputation. 

Additionally, I would like to highlight the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian for failing to ensure the accuracy of consumer reports and conducting sham investigations of consumer disputes. This underscores the critical importance of complying with federal laws and maintaining accuracy in reporting. More details about the lawsuit here : https : //www.consumerfinance.gov/about-us/newsroom/cfpb-sues-experian-for-sham-investigations-of-credit-report-errors/ Enclosed, please find the following documents to support my dispute : 1. A copy of the police report ( labeled as Exhibit A ).

2. A copy of the identity theft report ( labeled as Exhibit B ).

3. Documentation from Experian confirming the removal of the disputed debt ( labeled as Exhibit C ).

4. A copy of the relevant background
Product: Checking or savings account

Our business bank account was closed by XXXX XXXX corporate back office due to our non-profit 's CA XXXX status being suspended in XXXX. This was discovered when a change of ownership on the account was made XX/XX/XXXX. At that time actions by the non-profit had already been made to correct the status. Wells Fargo Corporate office refused to wait for the process to complete. The account was frozen with no transactions allowed by a Wells Fargo applied extension that was incorrectly classified as HOLD account instead of XXXX banking. At that time a request to close the account and disburse funds was made. Initially the request was refused. Reason given was HOLD extension was in place. The request to disburse funds was ignored till XXXX  XXXX was contacted XX/XX/XXXX. Surprisingly the account was closed XX/XX/XXXX prior to expiration of extension. Check cut on XX/XX/XXXX. 

Ultimately, all efforts to clear our tax status with CA XXXX, the one Wells Fargo is willing to accept, are delayed due to the banks continued disregard for the consequences, to its customers especially, caused by their decisions. Their callous actions caused the checks written for tax return fees to be rejected. Delaying restoration limits the ability to fund-raise effectively. 

Currently, we are a restored non-profit charitable entity with both the IRS and the DOJ of CA ( Attorney Generals office ). The IRS letter granting restoration status was provided to a Wells Fargo representative handling the case on XX/XX/XXXX, prior to the account 's closure. 

Rhetorical question : If the Federal and State AG 's office recognizes a non-profit 's status and grants all charitable rights, wouldn't it make sense that those agencies ' approval would be enough to resolve the bank 's CA XXXX concerns?
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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