23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

How it started ... .. 
I have questions regarding my mortgage ( non escrowed ) account. Ditech established an escrow account by paying a school tax early XX/XX/XXXX - {$570.00}. I have always paid those taxes at the same time every year and never had an escrow during the duration of this loan. After the Escrow was added, I was told I could remove the Escrow by paying the balance of the Escrow ( plus tax and fees ) and drafting a letter stating the request to remove the Escrow. The Escrow payment was made, then I received a letter stating I had an Escrow Surplus and Ditech returned money via a check. I have had over 12 different account managers during the process of attempting to remove the Escrow, and received numerous denials citing " payments have been 30 days late '' or " Funds have been advanced on your behalf ... '' after being assured that the last money pay off the Escrow could be Reallocated and removing the Escrow would not be a problem. I have appealed the denials several times.

My Problem ... I need an Audit of my account.

I believe my payments are being applied to a different account. After GreenTree changed to Ditech my payments have been shown as delinquent by the Ditech computer system. Even though I submit an electronic payment and it is received and posted to my bank account Ditech sends a delinquent letter.

Ditech will not allow me to remove the Escrow. I have never been late in the last year. I was granted a Forbearance due to Hurricane Harvey, and continued to make timely payments to my mortgage. Ditech also added other fees which I paid in full so that I could remove the Escrow.

I need a dedicated Ditech Account manager for the duration of the loan and I need to pay off the mortgage asap because Ditech has been the worse and most stressful experience of my life.
Product: Mortgage

I purchased a home in XXXX where my mortage loan was under 2 lenders. When the housing market crashed and the economy tanked my house depreciated in value significantly. I wrote to and spoke to both lenders at the time, XXXX ( the larger of the 2 loans ) and Countrywide. I hired a local realestate agent who explained the option of a Short Sale and informed me I needed to talk to my lenders. XXXX would allow me to move forward with a Short Sale on the house. Countrywide would not agree and said in order to do such a thing I would have to pay them for insurnce they bought for me for the house at {$30000.00}. I did n't have that kind of money and was expecting to be laid off as the compnay I was currently working for XXXX was financially failing. My assumption was correct and I was laid off. I did receive several Short Sale offers on the sale of my house that were even signifcantly high considering the market but every offer was turned down by the smaller lender, Countrywide. After being laid off I could no longer pay my mortgage and even vacated the house and left it clean and ready for sale hoping the banks would change their mind. XXXX did decide to forclose on me but Countrywide to this day wo n't foreclose on the loan and still shows on my credit report that I am missing a payment everymonth. This house sold in foreclosure for {$69000.00} in XXXX. My short sale offers were for more than double that amount of money.
Product: Debt collection

I disputed an account with all 3 credit bureaus regarding Diversified consultants in which they purchased or inherited an account from XXXX XXXXXXXX XXXX {$580.00} XXXX after I asked the to validate this account and they could not validate, and now I have asked Diversified Consultants to validate this account as well, and they did not validate. But they are still reporting this inaccurate account on my credit
Product: Credit reporting or other personal consumer reports

These companies obtained a copy of my consumer report without my consent or authorization which placed an inquiry on my report which in turn has stopped me from obtaining credit I want them removed immediately or will proceed in legal proceedings XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX XXXX and XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX and XXXX and XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX and XXXX and XXXX and XXXX XXXXXXXX XXXX XXXX and XXXX and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Checking or savings account

My ATM card was skimmed at a Santander Bank ATM machine in a XXXX located at XXXX & XXXX in XXXX Pa XXXX. 
I used the card on XX/XX/XXXX and withdrew {$100.00} at this machine which I have used for over 15 years. 
Someone got my card info and used the card in New Jersey and New York on XXXX XXXX and XX/XX/XXXX and took out the remaining {$1500.00} and left {$17.00} on account. 
The card is a regular ATM card, no debit or Visa included. You can not tap it at ATM. 
It is a XXXX account only. 
The Bank has denied the claim. 
I only use that XXXX machine I am a senior citizen, XXXX and I do not drive to even be in the locations where the card was used. 
Any help you can give me to get my funds back. 
Thanks XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reported to XXXX, Experian and XXXX credit bureaus XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX had a delinquent account on my credit report that was " Included in my XXXX  XXXX bankruptcy '' in XXXX  and the delinquent account should be removed from my credit report. The credit bureaus refused to remove the delinquent account. I contacted XXXX XXXX XXXX XXXX and asked them to remove the delinquent account from my credit report and they have refused. The delinquent account is damaging my XXXX XXXX and this is being done on purpose by the credit bureaus, who are being paid by XXXX XXXX and it is being done deliberately by XXXX XXXX to punish me for filing bankruptcy and to make me pay higher interest for any loans and credit cards I XXXX apply for. It is discriminatory against XXXX consumers because XXXX consumer pay higher interest for loans than their counterparts because of corporate predators.
Product: Credit reporting or other personal consumer reports

Ava took money out of my bank account for there fees and subscription, however, despite them taking payments they reported my account as late on XXXX XXXX i have tried to speak with reps repeatedly but was only able to talk through email with no resolution. Ava has falsely reported a late payment on my credit report and they should be held accountable. This is the worst company ever. I have closed my account with them, however, late payment is still on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Tinquiry XX/XX/2018 I have contacted all three credit bureaus and disputed this also I contacted company and disputed this inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

I have for now multiple times attempted to resolve these issues with Equifax, however they refuse to do anything. I have sent them a copy of my state issued ID mail from my current address copy of credit report copy of Federal Trade Commission 's Identity theft affidavit for the below listed items. 

XXXX XXXX XXXX Acct # XXXX {$600.00} XXXX XXXX XXXX Acct # XXXX {$1400.00} Unknown - Company not Listed Acct # XXXX {$4200.00} Unknown - Company not Listed Acct # XXXX {$530.00} XXXX XXXX XXXX Acct # XXXX {$720.00} Multiple soft inquiries as well as hard inquiries never acquired are also on my credit report, as well as multiple mispelled names and addresses I have never lived at.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter off around XX/XX/2022 to remove erroneous information i dont want on my credit report. According to the 15 USC 1681, i have a right to privacy. Also 15 USC 6802, No financial institution is suppose to share my infomation with third-party people. 

I believe these are clear violations of my federally protected consumer rights.
Product: Vehicle loan or lease

On XX/XX/XXXX I made a payment in the amount of {$19000.00} to pay off my auto loan from the same checking account I had previously been using the auto-draft monthly payments from. This amount was never withdrawn from XXXX XX/XX/XXXX I received a correspondence that my account was paid in full. However, the money had not yet been withdrawn from my checking account. The letter also stated, " We released your lien, but please wait until all payments clear to transfer the title, '' so I did wait. 

On XX/XX/XXXX I received a document from Chase explaining I needed to resubmit my last payment. I attempted to do so, but the website portal said it was not working. 

On XX/XX/XXXX I called Chase customer service. The agent who assisted me said the payment was returned by the bank - I never received communication from my bank describing a refused payment, and my checking account had more than enough funds to accept the payment. So I asked the customer service agent to describe the transaction details, and the last XXXX digits of the bank account number used by Chase did NOT match the checking account I authorized to pay off the loan. They had used the number of an old, closed checking account I had never used at any point to make a payment on this current loan. This old checking account number is not associated with my active auto loan with Chase in any way. I asked the customer service agent if I could pay off the loan over the phone to ensure no technical error occurred, and the agent said they could only take {$9900.00} of the balance today. I mentioned the extra month 's of interest charges that occurred because of their failure to withdraw money from the correct account and the agent dismissed my concerns. No resolution was reached, nor did I receive an answer about why they had stored and charged an inactive checking account that was never associated with the current account. I checked, and the only option for making payments in the current auto account portal is through the correct checking. 

On XX/XX/XXXX I received an email stating my auto payment was cancelled. I have a regular monthly payment due XX/XX/XXXX. 

I am unsure of how to proceed with safely and correctly paying off my account in full since the website is clearly malfunctioning and the agent will not take a full payment over the phone.
Product: Vehicle loan or lease

Company advised XX/XX/XXXX was being removed from credit profile allow 30 days it went past that I contacted the to follow up XX/XX/XXXX again their reps reconfirmed that XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX were being corrected and should be reflected on my credit profile XX/XX/XXXX they were not I cancelled insurance and additional warranty features representative stated multiple times those would push back payments when they received the lump some check the rep was advised to have been provided a company coaching as she handled improperly and account was messed up from reps removing payments and reposting citing they needed to to remove late fees as their system is old and it is their only way. 

They were showing payments during times where no payments were made had my info mixed with another their system is down often and when I got the vehicle I was advised it could be converted to automatic by XXXX whom I contacted they advised no when I advised during 48 hours we no longer wanted I was hung up three times and transferred place to place saying consult dealer than dealer sent me back synchrony so nothing but the run around
Product: Debt collection

Nationwide XXXX and collection which is also nationwide XXXX XXXX They use 2 different accounts to put on your credit report and when you try to call them with the number they provide on the collection account on your credit report it says its not a working number. To top it off I have no recollection of this account because I went to one hospital and it wasnt the one they said I went to. And while I am trying to settle it with XXXX and nationwide the information that was given to me is not correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # XXXX, 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 consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I looked at my report on XX/XX/2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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. These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not complete and accurate. 


And one more thing according to 15 USC 1681s-2 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.

Check the attachments below.
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. 

Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 did not authorize XXXX XXXX to make an inquiry on my report nor do I have knowledge of this report
Product: Credit reporting or other personal consumer reports

dear XXXX this is a self-attestation that I am victim of XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX XXXX. These fraudulent accounts consist of a an auto loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX XXXX. XXXX, XXXX  XXXX bank XXXX. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has not responded to my complaint to verify items submitted XX/XX/2018. I am very aware that it's their responsibility to keep detail records of my credit file. I am challenging them to do so by disputing and making sure they are reporting information correctly by obtaining original information and reporting only what is provided to them. They did not send the requested documents and they are still reporting the items in question on my report. Right now you I can say the items can not be verified due to them not getting back with me and not providing documents that will give details of my history. I have a right to check a reporting agency to be sure they are in compliance and right now they are not. They did not even answer my complaint.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Credit card

I owed {$29.00} to J.C. Penney ; due XXXX XXXX, 2016. I logged on to my account this morning, XXXX XXXX, 2016 to pay in full and now I owe {$58.00}!? A late fee equal to my total due amount was added. That 's XXXX right? Is that legal?
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 90 days late payment on the dates XX/XX/2017, XXXX - XX/XX/2017, XX/XX/2017. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items are reported on my credit report without my permission, in violation of federal law. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

" The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been fighting an account with Suntrust and the three credit reporting agencies. No one would give me history of the account and I believed it to be past the statue of limitations. I finally received the payment history from Suntrust and even that information has contradicting information. The ledger shows the last payment was made on XX/XX/XXXX which is not accurate. The payment history they sent shows the last payment was XX/XX/XXXX and the cover letter states the last payment was XX/XX/XXXX. I am not in the mortgage industry but doesn't that appear to be conflicting information? This account per the actual payment history and not all the other things generic forms they supplied validates that the account is past the statue of limitations. The account history also shows that starting XX/XX/XXXX the balance never changed up until the last payment. Even when the payments were made why wouldn't the balance ever go down?
Product: Checking or savings account

Bank of America has blocked my online banking since about XXXX XXXX, which has caused me to be unable to pay my bills and transfer money. I have called customer service to inquire about the reason. I was told that the new cellphone number that I updated on XXXX XXXX could not be verified, and could not be used to receive their verification code. They insist that I have to visit their branch to verify my identity, even though I have explained that I am not in the US and will not return in the short term. 

My new cellphone number is currently working well abroad. When I tried to update my phone number on XXXX XXXX, I was able to receive the verification code sent by their system, which is why I successfully updated my cellphone number. I do not understand why they blocked my online banking for fraud reasons. They should have informed me of the consequences of updating my cellphone number in advance, but I did not receive any warning. 

I believe that they have a lot information about me to doing verification over the phone with me rather than ask me to flight to the US.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, Account # XXXX, and TransUnion has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

XXXX XXXX XXXX also shared non-public personal information ( NPI ) to consumer reporting agencies which are non-affiliate third parties without providing me with an opportunity to opt-out and instructions on how to opt-out before they disclosed the information. As a result, XXXX Card Services has violated my right to privacy according to the GRAMM-LEACH-BLILEY ACT ( GLBA ), Section 501 and 502 codified in United States Codes, 15 USC 6801 and 6802 , and codified in 16 CFR 313.7.
Product: Debt collection

On XX/XX/year> I contacted Midland Credit by mail requesting validation of the two accounts they are reporting on all three credit bureau 's. They have yet to respond but continue to call and threaten me with wage garnishment and law suits
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, date of birth is XX/XX/XXXX, XXXX is XXXX. 

AR Resources XXXX XXXX XXXX needs to be removed from my credit for the following reasons : The alleged dollar amount is incorrect. I received correspondence indicating that {$240.00} was owed ( see attached ), then correspondence alleging {$200.00} was owed. 

Nothing is owed and nothing was ever owed. This was paid by insurance. Although not owed, the alleged debt was paid on XX/XX/XXXX ( see attached ). 

Further, paid medical debt that was in collections can no longer be included on consumer credit reports ( see attached ). 

If this is not removed on or before XX/XX/XXXX, I will be filing suit against both XXXX XXXX and AR Resources. 


Thank you for your time and attention to this matter