23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Mann Mortgage made an over payment of my property taxes in XX/XX/2021. This resulted in an apparent shortfall in my escrow account, which they want me to make up for with a 12 month shortage spread. In addition, they projected the same error into XXXX. This mistake doubled my escrow payment for taxes from {$2400.00} to {$4800.00} for the coming year. 
As a result of these errors, they want to increase my monthly escrow payment beginning XX/XX/XXXX from {$270.00} ( {$200.00} tax + {$70.00} Insurance ) to {$690.00}. 

In addition, the payments they have projected do not reflect the actual increase in property taxes that occurred this year. According to my tax statement from XXXX County, my annual taxes increased from {$2400.00} to {$2900.00}. My semi-annual tax payment from escrow in XXXX should be around {$1400.00}. Instead, they project a payment in XX/XX/2021 of {$1200.00}. 

I am filing this complaint because I have reached out to Mann Mortgage but I have gotten no response. I called their customer service number on XX/XX/XXXX and spoke at length with a representative. I was told that the matter would be reviewed by the appropriate department and that I would be contacted within 10 days. Having received no communication, I called them again today, XX/XX/XXXX. I again spoke with a representative who told me, " We don't give call backs '', and that the issue " should be resolved by Friday ''. 

This is unacceptable customer service for a product with a 30-year life span. My property is a duplex. I live in one half and I rent the other half. So in addition to being a homeowner I am a small business owner. I need to recalculate my tenant 's rent in a timely manner before their lease expires XX/XX/XXXX. Mann Mortgage 's poor customer service is making that very difficult.
Product: Credit card

This XXXX will never go into default! How is that possible? 
The company is also using my social as the acct number which means any employee has accesses to my full name and social. 
The card has been gaining interest for the last 3 years so its grown to 10 times the money I actually owed. 
Some one needs to look into what this company is doing to vets.
Product: Checking or savings account

I deposited a paycheck into my Bank of America Checking account. I deposit the same check every month via Cell phone and its made available in 1-3 days. I have been with the bank for over 10 years and have no history of over withdrawing the account. 

I deposited a check for {$3000.00} on XX/XX/2020 from my business account at XXXX. The check cleared my business account on the XXXX but BOA put a 7 business day hold on allowing any of the funds into my account. I went into a branch to request a release and they told me they can not tell me why a hold was placed and there is nothing they can do about it. They are holding the funds until the XXXX for no reason they could give me.
Product: Checking or savings account

This is a report/complaint regarding Capital One and XXXX XXXX XXXX. 

On XX/XX/2020, someone broke into the USPS Collections Box and among the mail taken, a check I had written out to someone was confiscated, bleached, and fraudulently re-written to the thief for {$50000.00}. Capital One deposited this check, without confirming it's legitimacy, thus withdrawing {$50000.00} from my XXXX XXXX account. 

I've personally called Capital One and they have refused to accept any information from me regarding this issue claiming unless a police officer calls, they won't listen to me. 

It has been 5 months and I still have not received the money that belongs to my family, which has been stolen from us during this time of economic duress, at the responsibility of Capital One and XXXX XXXX XXXX. 

I have provided 2 attachments. 1. of the original check via the carbon copy. 2. the fraudulent check.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act CFPA ) Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Student loan

I returned money from my loan within 90-days following the distribution of the second half of my loan for year ( i.e. money distributed in XXXX -- & gt ; money distributed in spring, which I then returned part of the money ). However, instead of having that money being returned to the principal amount, Navient handled that refund ( i.e. I had no other option ) so that the money returned went towards interest and repaying off the first half of the loan ( XXXX loan ). As a result of this money going towards interest rather than all to principle ( which should be case given I was returning it within 90 days ), I ended up having to pay more since my principle was higher and accumulating a greater interest over time.
Product: Credit card or prepaid card

I have an app on my phone to track my credit score, called XXXX XXXX. On XX/XX/XXXX I opened the app to see my score and was presented with a " good offer '' on a credit card from Citi ( Citibank/Citicards ). The deal was, according to what I was presented with on the app, I could make up to 4 balance transfers on to the card up until XX/XX/XXXX. There would be 0 % interest on the transferred balances until XX/XX/XXXX. I applied for the card and was accepted with a balance limit of {$1100.00}. 

My first transfer was initially rejected because I went over the {$1100.00}. limit, not having factored the 3 % transfer fee. I spoke to a representative of Citi when it was rejected to find out why, and was told the above. She had said to me I could make more than 4 transfers, " as many as I like '', as long as transferred by XX/XX/XXXX. I allowed for the fee and made my first transfer for the max allowed on XX/XX/XXXX. My plan was to pay that down quickly so that I could transfer more over to the card. I made a payment of {$400.00}. on XX/XX/XXXX. 

On XX/XX/XXXX I called Citi so that I could make another balance transfer. The representative I spoke with, XXXX - ID # XXXX, told me that he was unable to make the transfer, that it had expired. Expired? I gave him the XXXX deadline and then he said I could only make one transfer. One transfer? He dug deeper and found the offer and said that it was unusual that it would be rescinded. He filed a complaint on it and told me to call back on XX/XX/XXXX. I called on the XXXX and was once again told the same thing, expired, only one transfer, to check periodically for new deals. Right. Nothing I said mattered. I talked to the next level up, I did not get his name, who said there was nothing he could do, that they had no control over a 3rd party offer ( XXXX XXXX ), and that " the decision was made 3 or 4 levels up the chain. '' I asked who that would be, and he said the vice presidents and president of the company! 

My complaint is Citi rescinded their offer with no explanation, no nothing. I would of never taken the card on a one balance transfer with a low limit, in fact it negatively affected my credit rating. The offer provided to me on XXXX XXXX seemed like a good opportunity to get my credit paid down. I was happy about it. That offer was confirmed to me in a Confirmation Letter from Citi, dated XX/XX/XXXX ( see attached ). I view this as reckless, wanton, callous fraud. Taking advantage of people who put their trust in you, your company, people like myself of modest means up against big, all powerful, greedy banks, well that's just no way to do business. Citicards, Citibank - you should be ashamed! 

Please excuse the marginalia on the Confirmation Letter made during two separate phone calls to Citi. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

City National Bank shows that I owe them money and is reporting that alleged debt on my credit report. I did not authorize the charges on the account, and have no knowledge of them. Although I have requested verification from the credit bureaus and City National Bank, they have failed to investigate and have failed to provide me with any documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I sent CBM collections a letter requesting a validation of an alleged debt they placed on my credit report. On XX/XX/22 They sent back a ledger that was made from their office. Also my understanding debt collectors are required to identify themselves when they attempt to collect a debt as well as note that any information you give them will be used in an attempt to collect the debt, which it is NOT marked anywhere on their " ledger '' they sent me. On XX/XX/22 I sent them a cease and desist and failure to validate the debt and requested they remove the account immediately considering they have violated more than one FCRA and FDCPA laws. 

They have not responded since, not have they removed this account from my report. 
I have included all correspondence as well as my credit report.
Product: Credit reporting 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. 

List of Unauthorized Inquiries : 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 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: Vehicle loan or lease

Dear XXXX XXXX, account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date of birth XX/XX/year> email XXXX address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX once again I request the information that you send me with the 21 days advance notice before posting the delay to my credit bureau and you still have not provided me with any information. If such information exists please send it to me by this means. If not, please remove the information from all 3 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a payoff letter for my auto loan with Ally Financial. A few months later, Ally re-opened my account without my knowledge for a balance of {$15.00} in interest after they incorrectly applied my payment to a different account. This sent my account into charge-off status which is now heavily affecting my credit scores. I was able to dispute with XXXX and XXXX and have it removed by providing a copy of the original payoff letter, but when disputing with XXXX, it was not removed because Ally reported to XXXX during the dispute that the account was accurate. This is incorrect, as Ally made an error and this needs to be rectified.
Product: Money transfer, virtual currency, or money service

A cash app transaction occurred without my knowledge, I was not aware of it until I checked by online banking account and noticed a charge. Went to the app for cash app and noticed it. I clicked on transaction and report as Freud. The transaction came back and said it would not be posted to any accounts. I waited to see if the transaction would drop off of my bank account and noticed it posted. I reached out to cash app and followed there instructions and they denied my request several times. I've attaching screenshots.
Product: Credit card

Due to XXXX XXXX XXXX cancelled or revoke my credit card, Now since my card is cancelled I never I stated or said I could n't be able to meet my financial obligations with this credit card as their letter shows from XXXX XXXX, 2016. Discover has engaged in a collection campaign with early phone calls ( XXXX ) and e-mails. 
I would like to ask the CFPB to further investigate my inquire and to make stop any of these activities since it was not my fault, I believe Discover doing this has broken XXXX or more Federal consumer Laws.
Product: Credit reporting or other personal consumer reports

I am writing to provide a formal statement regarding certain accounts listed on my credit report that I believe to be fraudulent. I wish to make it clear that I have no knowledge of, nor have I authorized, any of the accounts in question. 

The accounts in dispute are as follows : XXXX Account XXXX : XXXX I assert that these accounts were opened without my consent or knowledge. I have not received any correspondence or notifications related to these accounts, nor have I engaged in any transactions or agreements with the entities associated with them. 

I take my financial responsibilities very seriously and have always been diligent in managing my credit. The presence of these fraudulent accounts on my credit report is distressing, as they do not reflect my financial behavior or obligations. 

Responsibilities of Credit Bureaus When Identity Theft Is Reported Under the Fair Credit Reporting Act ( FCRA ), credit bureaus have specific responsibilities when identity theft is reported : Investigate Disputes Promptly : Upon receiving a dispute regarding fraudulent accounts, the credit bureau must conduct a prompt and thorough investigation into the accuracy of the disputed information ( 15 U.S.C. 1681i ).

Block Fraudulent Information : If the dispute is substantiated, the credit bureau is required to block the fraudulent information from the credit report within 4 business days of receiving notice of the fraud ( 15 U.S.C. 1681c-2 ).

Provide Written Confirmation : The credit bureau must provide written confirmation once the fraudulent information has been removed from the credit report and inform me of the outcome of their investigation.

I have already taken steps to address this issue by disputing these accounts with the credit reporting agencies and providing necessary documentation to substantiate my claim of fraud. I respectfully request that these accounts be investigated thoroughly and removed from my credit report as per the legal obligations of the credit bureaus.

Thank you for your attention to this matter. If any further information or documentation is needed, please do not hesitate to contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX major credit bureaus are reporting false information about me and my financial status. There are multiple inaccuracies that need to be removed from my report as they do not belong to me. The following is a list of companies and the inaccurate information. 

XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( This account does not belong to me ) XXXX ) XXXX XXXX ( This account does not belong to me ) XXXX ) XXXX XXXX ( This account does not belong to me ) XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX XXXX  XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 
XXXX ) XXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX XXXXXXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX XXXX  XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX XXXX XXXX XXXX EQUIFAX : XXXX ) XXXX XXXX XXXXXXXX XXXX ( This account does not belong to me ) XXXX ) XXXX XXXX ( This account does not belong to me ) XXXX ) XXXXXXXX XXXX ( This account does not belong to me ) XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX XXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX XXXXXXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX XXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX : XXXX ) XXXX XXXX ( This account does not belong to me ) XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX This account does not belong to me ) XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXXXXXX XXXX XXXX  XX/XX/1922 ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) EQUIFAX MORTAGE SERVIXXXX XXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ).
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - {$990.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$2400.00} US DEPT OF ED/XXXX - XXXX - XX/XX/XXXX - {$0.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like for Transunion to update my current address and remove all old addresses from my profile.
Product: Student loan

I have a kind of complicated situation. In XX/XX/XXXX, I began paying Sallie Mae for my student loan. I made regular on time payments till XXXX XXXX XXXX, when my husband and XXXX children began to struggle financially. Sallie Mae gave me an immediate forbearance due to hardship. We filed bankruptcy in XX/XX/XXXX, and barely a month later my aunt died and I was inherited XXXX. Sallie Mae was one of the many creditors who were offered to claim their money. Sallie Mae did so and to my knowledge my bankruptcy trustee paid them in full. I do believe I made a follow up call to make sure of that. During the time from which I filed bankruptcy and time that everyone was paid and my bankruptcy case closed was nearly 2 years due to probate and what not and Sallie Mae kept charging interest and late fees on the account after claiming money already. Is that legal? Now during the last year I've been fighting with them to explain to me how I owe them XXXX. After my trustee gave them the payoff two years later an adjustment was made to my account for XXXX and XXXX which makes no sense to me. And then 3 years later they begin charging late fees again. I wrote them 2 dispute letters and followed up many times to try and get a supervisor to contact me and they told me they were making a decision on my case. I asked specifically to be called and emailed directly with outcome and they didn't do so. I had to call again in which they told me my explanation could be found on my account page when I went there they had not given any explanation just changed my account around to offer a lower payment plan. I could never get a straight answer from anyone ... I am uploading many documents to you in hopes some one can figure out how any of this makes any sense. I have done all I can and now they have forced me into another forbearance or too till I got this figured out which is again in late standing to current. thank you kindly for your time XXXX
Product: Credit reporting or other personal consumer reports

I have submitted 3 different disputes to XXXX, Experian, and XXXX. NONE of them have responded to me. At this point I think they are throwing my disputes in the trash can. There are two accounts with errors on my credit report. I have asked for proof of my 21 day billing statements from the creditors and bureaus. NONE have been provided. I was never late on these accounts. Please help me by ensuring the bureaus do their jobs.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I sent you a request to reinvestigate the information that I previously disputed. I do not allow e-Oscar or any automated method of verification. These information still not removed from my report it is unacceptable and I am getting upset they are erroneous and it is impacting my life my credit rating
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021, i sent a letter to transunion about some incomplete and inaccurate items that there are reporting on my credit report and has not verified them.i sent it usps certified mail w/tracking # XXXX and hasn't heard from them as of yet. 
on XX/XX/2021, i sent a letter to XXXX w/tracking # XXXX XXXX XXXX XXXX XXXX and hasn't been verified, on XX/XX/2021, i sent a letter to XXXX w/tracking # XXXX XXXX XXXX XXXX XXXX about inaccurate information as well with no verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies obtained a copy of my credit report without my authorization : 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 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