23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I closed on my condo XX/XX/XXXX... I applied for and received a 30 year fixed rate mortgage of {$130000.00} with 4.5 % interest ... Taxes and insurance were NOT to be escrowed as I'd made this clear and have email regarding my closing as confirmation of this. XXXX XXXX was my first mortgage holder, .. it was later transferred to Dovenmuehle Mortgage. My mortgage payments were to be a fixed rate of {$660.00} monthly ... which I'd been paying on time for just over one year. I've payed my insurance and property taxes directly and always on time. 
On Friday XX/XX/XXXX I received notice that my payments were going up to {$770.00}, related to an escrow account ( which I was not supposed to have ). I contacted a representative of Dovenmuehle Mortgage, XXXX ( XXXX ), to discuss this. She informed me that the company sent in money for taxes of XXXX.. and later they were refunded XXXX.. ( the same amount I'd previously paid ). She said they were still owed {$670.00}. I contacted the XXXX county tax  office and spoke with XXXX XXXX, tax supervisor. She informed me that I was the contact on record, and that no bill went out to Dovenmuehle. They received my quarterly payment first and on time ... but later received a check from the mortgage company and so they refunded them my payment and placed the remainder towards the next installment in XX/XX/XXXX. On my instructions, she did issue a check back to Dovenmuehle Mortgage for the remaining {$670.00}. I'm submitting an email with her testimony that I have been paying all tax installments on time, .. that the mortgage company never requested a tax bill, and that they were being refunded the remainder of the payment ( {$670.00} ) they made. 
I did make another call to XXXX XXXX  XXXX, and spoke with a XXXX ( XXXX ), however, the issue could not be resolved to my satisfaction. She did not have the authority to resolve this, nor was she able to connect me with someone higher up with the authority to correct this, as I had requested. She did say the company uses another agency to look into matters of taxes. 
I do not fully understand why any mistake was made regarding an escrow account in the first place. I do not know if there were errors between the different mortgage companies in relation to transfer of the mortgage. I do not know why the mortgage company took it upon themselves to look for and pay the property taxes without notifying me. I do believe I've done everything within reason to make it clear that I'd be paying the taxes and insurance myself ... and that there is not to be changes in the monthly rate of the mortgage due to an escrow account. I would like to have the situation remedied with my monthly payment of {$660.00} reinstated. Also, I do not want any sort of penalties related to late payments or anything else related to this incident to effect me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is incorrectly posting a 30 last to my credit file. This is been negatively effecting me for more than 8 months now. They have admitted that were wrong and sent the late payment I was forced to pay back ( as see by the documentation that I have uploaded to this complaint ). It is not right and an inaccurate repot of 30 days late they can't send me a refund but continue to post that I was late. P
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft feesI have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

Good day, the errors you are reporting on my credit are causing a lot of problems in all aspects of my life, this is really frustrating. You keep on disregarding my requests to correct inaccuracies on my credit report, this is a blatant violation of my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have supplied a paid in full letter from XXXX XXXX to all 3 credit reporting companies, all 3 came back and reported I still have a XXXX balance and will not correct my reports.. They continue to report late payments for XXXX, XXXX, XXXX Even though I paid balance off on XX/XX/2023 as shown in XXXX XXXX letter..
Product: Debt collection

VALIDATION AND CEASE AND DESIST Re : Name : Midland Credit Management Address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Mi XXXX Account # : XXXX Dear who may concern, I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 

PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. 

Thank you for your immediate cooperation. 
XXXX XXXX
Product: Mortgage

OCWEN FINANCIAL CORPORATION, OCWEN MORTGAGE SERVICING , INC., OCWEN LOAN SERVICING , LLC PHH MORTGAGE CORPORATION, LLC, Account # XXXX Companies listed above have improperly calculated loan balances, misapplied borrower payments, failed to correctly process escrow and insurance payments, and failed to properly investigate and make corrections in response to consumer complaints. Ocwen has compounded these failures by illegally foreclosing upon borrowers loans and selling loan servicing rights to servicers without fully disclosing or correcting errors in borrowers loan files. 

Account # XXXX : Requesting Ocwen to provide monthly statements from XXXX, XX/XX/XXXX and all monthly statements from XXXX.
Product: Checking or savings account

Our non profit company XXXX XXXX XXXX and XXXX XXXX has a bank checkings account with Bank Of America. 
We have had fraudulent charges/checks posted on the account since XX/XX/XXXX. 

There were three fraudlent charges made between XX/XX/XXXX and XX/XX/XXXX by the same person who we do not know, and while Bank of America returned two fradulent charges, they said we are liable for the 3rd fraudulant charge. We had immediately contact Bank Of America to alert them about these 3 fraudulent charges of {$1000.00} each. 
We submited an ACH form as per their instructions back in XXXX, XXXX. They have not responded or taken any action on letting us know how to reconsider this and they have given NO reason why we are liable for the third fradulent charge. We desperately need help because this theft has occured on a non-profit clinical research organization account.
Product: Consumer Loan

I recently applied for a loan with argon credit corporation for XXXX. I was approved, in a funding status and signed a contract to repay the loan. After a few days they never deposited the money into my bank account I called this loan company where my money was and they said they had a freeze on all loans and they would expedite my request to get my money. They later came back and denied my loan breaking their end of the signed contact and did n't give me my money.
Product: Credit reporting or other personal consumer reports

Formal Dispute of Late Payments and Allegations of Extortion and Fraud - Account No : XXXX The failure to provide me with the legally required billing statements, coupled with the absence of any certified mail to verify receipt, directly contravenes federal law. Given that these statements were never sent or received, reporting late payments to consumer reporting agencies is not only inaccurate but also constitutes extortion and fraud.
Product: Mortgage

My Loan was due XX/XX/2021. I called in to pay with the loan number on my statement.XXXX amount due XXXX The receptionist said the loan did not exist and hung up. I called again and got another person who spent some time with me and said that I owed XXXX. I paid it and explained how did this happen and she said she didn't know. I have attached the statement and have not had any late charges on my credit, On my other loan XXXX I over paid XXXX don't want my credit messed up. Confirmation number ( XXXX )
Product: Mortgage

I have XXXX mortgage loan servicers and I 'm having the same issue with both. I 've already filed a complaint against XXXX, this is for the servicer of my first mortgage, Green Tree Servicing , LLC. 
Green Tree acquired my 1st mortgage when XXXX declared bankruptcy years ago. I declared bankruptcy near the same time, but I signed a letter of intent for both of my mortgages with XXXX at the time ( 1st ended up with Greentree, 2nd with XXXX ) and my payments have been current since XXXX modified my loan under HAMP long before either BK. 
Aside from the initial pain of trying to get any kind of customer service when the loans were acquired, at least they have both improved their accessibility over the years. I did have an unfortunate run-in this year when my payment increased and Green Tree failed to send me a simple statement with XXXX new monthly balance beginning XXXX XXXX, 2015, but that was resolved with XXXX very lengthy and incredibly frustrating phone call to them to figure out why they sent me to collections for what turned out to be ~ {$38.00} shortage. 
My immediate concern is both mortgages are still showing on my credit report as negative because they show closed/discharged in BK. I have contacted both servicers several times to correct the issue. Neither servicer will take responsibility to correct the erroneous credit reporting. Why is this an issue? Because I want to refinance with someone, ANYONE else but the negative marks make me less than a favorable choice for any kind of loan. How are they getting away with this? What other issues are buried in poor management of our mortgages? How do we the consumers fix it?!
Product: Credit reporting or other personal consumer reports

I recently obtained my credit report from all the bureaus and noticed hard inquiries that I do not recognize. I only opened a Chase personal card this year, so the inquiries from previous years and some of this year are unfamiliar to me. 

List of dates where this hard inquiries made to JPMCB CARD XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

False information on my credit report : Accounts 1. XXXX : {$1000.00} on XX/XX/XXXX Inquiries 1. XXXX XXXX : XX/XX/XXXX 2. XXXX XXXX : XX/XX/XXXX 3. XXXX XXXX XXXX : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I value your help in reviewing my file but I already attach the required documents in my last request including FTC report and a notary with the attorney signed. I will attach it again for you to reinvestigate the accounts in my Chex system file. 
XXXX  XXXX XXXX XXXX ACCT # : XXXX Original Charge Off, Amount : {$1000.00} XXXX  XXXX XXXX XXXX ACCT # : XXXX Original Charge Off Amount : {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1.Account name : XXXX XXXX XXXX Account XXXX XXXX, 2.Account Name : XXXX Account # XXXX, 3Account Name : XXXX XXXX XXXX  Account # XXXX, 4Account Name : XXXX  Account number # XXXX, 5XXXX XXXX  XXXX XXXX Account NumberXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information  relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I found incorrect bankruptcy listings on my credit report this evening, and I have no idea why theyre there. When I checked my credit report as usual, I was surprised to see these errors. I even tried refreshing my browser, thinking it might be a glitch, but the inaccuracies persisted. Im really disappointed and frustrated, and I urgently request that the documents Ive submitted be reviewed thoroughly to ensure this issue is permanently resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested information on a XXXX XXXX account several times for validation of this debt and I have n't received true validation. Please help me They only send back generic information
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX XXXX XXXX XXXX  I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a XXXX  determination letter according to 1022.142 ( b ) ( 6 )
Product: Checking or savings account

On XX/XX/2023, I opened a new Citizens Quest Checking account with your esteemed institution using a promotional code that promised a {$500.00} bonus if I made multiple direct deposits totaling {$5000.00} within 30 days of the account opening. I am pleased to inform you that I have diligently met all the specified requirements within the stipulated timeframe. 

To provide you with the relevant details : Account Holder 's Name : XXXX XXXX Account Number : Citizens Quest Checking - XXXX Promo Code Used : XXXX Despite having fulfilled the conditions outlined in the promotion, I have not yet received the promised {$500.00} bonus. I understand that administrative oversights can occur, and I am confident that this matter can be resolved promptly. 

I kindly request your assistance in investigating the matter and rectifying the issue at your earliest convenience. It would be greatly appreciated if you could provide an update on the status of my bonus and, if necessary, any steps I need to take to ensure the timely resolution of this matter.
Product: Credit reporting or other personal consumer reports

Despite multiple diligent attempts to rectify these inaccuracies, they persistently impact my credit history and financial standing. To provide context, I first identified the presence of fraudulent items in my credit file on [ Date of XXXX XXXX ]. Since then, I have conscientiously followed the prescribed procedures for disputing and removing these inaccuracies, including the submission of supporting documentation and evidence of the fraud. I submitted all necessary documentation to substantiate my claims, which included proof of the fraud and any related police reports. After not receiving any resolution or updates on my dispute, I initiated follow-up inquiries during which I was informed that the investigation was still ongoing. Subsequently, I submitted additional disputes, reiterating my concerns and supplying any supplementary evidence that was requested. Despite my repeated efforts to rectify this situation, the fraudulent items persist in my credit file, inaccurately reflecting my credit history and detrimentally affecting my financial opportunities. Kindly help me remove the following items immediately : XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX  XXXX Balance Owed : {$2000.00} XXXX XXXX Balance Owed : {$590.00} XXXX XXXX XXXX XXXX Owed : {$81.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX AUTO XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance XXXX : {$1500.00} XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX Balance Owed : {$590.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$14000.00} - 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
Product: Mortgage

I sent an email to Santander notifying them that I had changed hazard providers on XXXX and provided them with a copy of the evidence of insurance and paid in full binder. I received a letter from Santander on XXXX stating that they had received my new insurance information and sent payment to the provider. I called and spoke with XXXX who told me that they would put a stop payment on the check and reimburse my account since it was already paid in full. Once complete, he was supposed to send me an email. I just looked at my account details and something is amiss. My account makes no reference to the funds that were disbursed to my previous hazard provider on XX/XX/XXXX in the amount of {$1900.00}. In addition, the incorrect disbursement to the new provider on XX/XX/XXXX, which was supposed to be reversed, is still present. Also, the refund from my previous provider is noted as received on XXXX amount of {$1700.00} ; however, my agent informed me that the refund sent to Santander was for $ XXXX leading to a {$10.00} discrepancy. I would like my escrow account audited for accuracy, with a full account of debits and credits sent to me. In addition, since I paid for my current hazard policy in full, and Santander has received a refund for my previous policy, I would like an escrow account analysis completed with the overage sent to me. 

I previously submitted this complaint and Santander responded that this does not belong to them. I pay my mortgage on Santander banks website. My statements come on Santander letterhead. When I call, they answer Santander Bank. I know Santander hired dovenmule to sub service for them but they are the master servicer and are ultimately responsible.
Product: Debt collection

This agency refused to delete this debt after several times requesting validation from this agency. No replies no answers. This agency claims I owe money to them from a debt they can't even validate. The statute of limitation in the state of Florida is 5 years for debt collection they also failed to validate. They also failed to show documentation I owe this debt to them.
Product: Credit reporting or other personal consumer reports

Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given to anyone listed below written, unwritten, verbal, and nonverbal per 15 USC 6802. I am invoking my rights under 15 USC 6802 to opt out of the disclosure of my information. 

This is a list of all hard inquires that are reporting to my EXPERIAN, XXXX, AND XXXX which is in violation of my privacy rights under the Privacy Rights Act of 1974, 15 USC 1681 permissible purposes, also 15 USC 6802 and 15 USC 6805 disclosing of personal information. The companies stated below and also XXXX, XXXX, and Experian all broke the law and need to be held accountable for their illegal and unlawful actions. None of the companies listed below were given written consent by me to obtain my information or disclose it. I have attached my credit report as proof of discrepancy on my credit file, all three credit bureaus are reporting different information, some are reporting specific hard inquires and the others reporting the other ones which is in violation of 15 USC 1681, inaccurate reporting on my credit file, the reporting are not matching up and every hard inquiry needs to be removed immediately as they each are subject to XXXX fine per each violation. I have did my due diligence of complying with the law and filing an identity theft report with the irs that has been filed which I have attached a copy of that document as well. 

XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Community capital bank  good XXXX letting them know a application was ran without permission and identity was stolen from email.Representatives kept hanging up the phone.
Product: Mortgage

BEEN FAXING LOAN MODIFICAITON SINCE XXXX WELLSFARGO ALWAYS LIES! HAVE PROFF OF 30 PLUS FAXES. THE WORST UN-ETHICAL, XXXX, UN-PROFESSIONAL, LYING BANK! HAVE PROFF, NEED THE NEW IRS FROM XXXX SEE BLANK FORM INCLOSED ) WAS SENT. NEED TO PUT IN FEDERAL COURT FOR VIOLATIONS AND ESPECIALY THE FDCPA ACT!
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day madam/sir, XXXX XXXX the lender of my vehicle : - original balance of the loan keeps changing - different " original balance '' {$5000.00} lower was reported to the credit bureaus - interest keeps increasing with years with extra payments being made - requested the complete balance sheet, received only list of the payments i made with NO original balance or ending balance and no interest balance - during the first 3 months of Covid-19, since it was allowed by state, I called the company and due to hardship i asked for 3 months delay of payments, they approved it, but still reported 30/60/90 days of non-payment to all credit bureaus ( that's the only months I didn't pay as agreed with the lender ) - XXXX  application provides completely wrong data. It shows I paid $ XXXX, when I paid exactly {$14000.00}. 
- Original balance of the loan was $ XXXX, now they told me it's $ XXXX, How is all of that possible? 
- XXXX  claim I owe them $ XXXX more, since I paid $ XXXX out of {$21.00}, but I paid $ XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX  have started to run files that you copy for customers that hacks into your system or damage your computer